23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received a charge on my debit card from Experian for a recurring amount of {$24.00}. I attempted several times to contact them and was unable to speak to a representative due to their IVR system putting me into endless loops. After several attempts and after going through many loops in the IVR system I was able to reach a representative that could not find where I had signed up for their service and could not find where Experian was charging my debit card. I was asked to get the 23 digit transaction code from my bank, which I did, then had to go through the same lengthy call process trying to work through the IVR. Institutions should not be permitted to use IVR systems that prevent consumers from talking to a human.
Product: Debt collection

Additional information for CFPB complaint # XXXX about PAYPAL CREDIT, XXXX XXXX XXXX XXXX and XXXX XXXX. 

On XX/XX/2018, PAYPAL responded to CFPB by stating that the complaint does not belong to them. 

However, as per information from PAYPAL the account was charged off and transferred to XXXX XXXX, XXXX See attachment.
Product: Debt collection

Glasser and Glasser law firm contacted me regarding a {$6000.00} debt from XXXX XXXX. They stated a court date was imminent, leaving me with insufficient time to prepare legal representation. After requesting and receiving the summons, I attended the XXXX court date and was instructed to arrange payment. Despite numerous attempts to contact the firm, my calls were not returned. I initiated {$100.00} payments while trying to establish a formal plan. Subsequently, I received a second summons for a garnishment hearing. This resulted in my bank account being emptied shortly before Christmas, creating the impression of non-compliance. At the second court appearance, I again attempted to discuss payment arrangements, but the firm remained unresponsive. The court clerk acknowledged the firm 's unresponsiveness to both myself and the court. I believe the firm 's deliberate avoidance of communication is causing undue stress, and I anticipate further actions, such as wage garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts multiple times, but they are still reporting. They came back as verified, but I did not receive proper documentation stating who they spoke with, and what documents were provided to validate I am responsible for the accounts, showing my signature. I have attached a document showing XXXX  has deleted the accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY STUDENT LOANS WERE CONSOLIDATED IN XXXX BY XXXX. FEDSTUDENT LOANS RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXX. I AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. FEDLOAN IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE XX/XX/XXXX.
Product: Student loan

I am on XXXX as a result of XXXX established XXXX XXXX, 2009. My benefits have been actively garnished by Texas XXXX since the end of last year, and I applied in XXXX of this year to have it dismissed when I learned that I was eligible to do so, and I included a copy of my original paperwork and current printable proof of benefits provided online by XXXX. In late XXXX, I received a letter from Nelnet ( and XXXX ) instructing me that my loan application for dismissal was denied because I had not provided them with the required paperwork. To my knowledge, I had provided Nelnet with the proper paperwork. I called them and was informed that I must provide them with additional paperwork/paperwork which does not exists, or a written letter from my doctor proving I am XXXX. I called XXXX and was told that XXXX provides paperwork upon request specifically for this purpose / that I am not the first person to encounter this problem. I received the promised paperwork from XXXX, and I immediately forwarded it the following day electronically to XXXX. Today I have received another letter from Nelnet once again stating exactly the same thing : that my application has been rejected because I have not provided them with the required paperwork. At this time, they are still taking funds from my permanent XXXX benefit every month, I have provided Nelnet with legitimate paperwork from XXXX that should be above and beyond what should be required to prove my permanent XXXX status, and yet these organizations are still refusing to acknowledge the legitimacy or sufficiency of the official paperwork that I have provided to them or to dismiss the loan. Is there anything that you can do to help me, or advise me in this? Thank you.
Product: Mortgage

At the end of XX/XX/XXXX our mortgage was sold. It had been with XXXX XXXX and it was sold to something called Mr. Cooper. We have never been late on a payment in over 20 years. We are very close to being finished with our mortgage. We got XXXX information about how to pay our mortgage from Mr. Cooper. My husband called XXXX and was told there was a 60 day grace period. Then within a week or so this Mr. Cooper place started calling my husband at work telling him our payment was late. He did n't even have any information at that point on how to pay or who to pay. We finally got paperwork from them and he set up on an online account and paid the mortgage. He continued getting robocalls at work. He has been getting one to two calls per day from this company. Yesterday I called to confirm that they had indeed received the payment. After being forced to listen to a recorded message telling me that anything I said on the phone would be used against me, I talked to an agent who claimed they had received the payment. Today ( XX/XX/XXXX ) we received a letter saying we were overdue on our payment and that we owed them double the monthly payment. In addition somehow they appear to have added {$1000.00} to our escrow account which stands now at close to {$10000.00}. I am outraged by this treatment. We have never had any trouble with any mortgage provider until this Mr. Cooper thing happened. We are about to just pay off the rest of the mortgage so we never have to deal with Mr. Cooper again. I wanted to write this complaint in case other responsible customers are getting these harassing calls and letters from this company. I think they need to be investigated for their practices. Are they even within their legal rights to call my husband every day at work harassing him for a payment that we have already made? How long once a mortgage is sold do consumers have to make a next payment to the new servicer?
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX ) XXXX on Monday XX/XX/XXXX at XXXX XXXX   XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion. 

Thank you, XXXX XXXX XXXX 3. After a few weeks I received notification as " UPDATED ''
Product: Bank account or service

I have yet to received chip-enabled debit cards for any of my bank accounts. The banks that I deal with for my business and personal accounts -- - XXXX -- -- are postponing the issuing of chip enabled debit cards for customer accounts. The banks have chosen, for their own protection, to replace credit cards with chip enabled technology, but are in no hurry to do so for debit cards. This places bank customers at higher risk and exposes customers, like myself, to loss of funds for what can be a considerable period of time if there is unauthorized use ( because of the way that the banks drag out investigations ). I believe that the failure of the banks to protect customer funds by issuing chip enabled debit cards simultaneously with or prior to replacement of credit cards is unfair and unreasonable. I believe that the CFPB should pursue this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX On [ XXXX XXXX and XX/XX/XXXX ], XXXX XXXX took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit score, which in return affected my chance in renting apartment and financing a car later on.
Product: Debt collection

I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING HE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATIONS OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Product: Debt collection

A collection report from Consumer Adjustment Co was reported to the Credit Bureau in the amount of {$8900.00} for an alleged debt owed to XXXX XXXX XXXX XXXX. This company has not attempted to contact me except for by text message and they only stated this is CACI please give us a call they never stated that it was an attempt to collect a debt. So I thought it was spam and deleted it/reported it as junk to my service provider. I have never spoken to a live person, and never received a letter in the mail with debt validation or a right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information being reported are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX. Please send me copies of results of your investigation, in the event you believe that the disputed items are accurate. in the absence of such documents, correct or remove the disputed information on my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report
Product: Vehicle loan or lease

For a second time, I took the XXXX XXXX to another car dealership. He told me that I would have to replace tires on the vehicle and was surprised at the amount the loan was for, and asked if the loaner even looked at the XXXX XXXX Value, I told him no, that it was done with a loan application which I never saw. He said that in order to obtain a loan of close to {XXXX} the loaner would have to ask the mileage, condition, mileage, look up the XXXX XXXX Value, etc. 

He said the vehicle is only worth around {$XXXX}, so I can`t refinance, or even trade this in as there is more than the vehicle is worth, so I`m stuck with a vehicle that needs three new tires, the driver`s door needs to be reset, there is paint covering up a mar on the front, and isn`t worth the amount of the loan. Well Fargo Auto Finance, he said, should have asked all of these questions before granting a loan of this amount.

I`m also being charged for two months ' of payments on it, which comes to {XXXX}. I just got back to work, so I have next to no money. Being a XXXX XXXX XXXX, we don`t make a lot of money, and Wells Fargo Auto Finance should have known this. Clients pass away, and we have to wait to get new patients.

I don`t believe Wells Fargo Auto Finance asked for any of this information on the vehicle before granting the loan.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX around XXXX. XX/XX/XXXX I received a letter from AllianceOne a debt collector for XXXX XXXX XXXX XXXX stating that as of XX/XX/XXXX I owed {$2900.00} from an account I originally had with XXXX XXXX XXXX. 

XX/XX/XXXX I sent AllianceOne and XXXX XXXX XXXX XXXX all my bank statements from XX/XX/XXXX thru XX/XX/XXXX totaling {$3200.00} explaining that I did not owe that debt to them or XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX reported the outstanding debt on my credit report. 

On XX/XX/XXXX I wrote XXXX XXXX a letter disputing the debt. I sent them all my bank statements as well. They sent me a letter back on XX/XX/XXXX stating the following : Investigation Results- Verified as Accurate and Updated. This debt remains on my credit report.
Product: Credit card or prepaid card

XXXX disputes 2 charges in the amount of {$95.00} and {$2.00} Bank of America violates laws by refusing to dispute certain charges on XXXX XXXX XXXX. 
XXXX disputes 2 charges in the amount of {$95.00} and {$2.00} and asks for immediate permanent credits or he will take boa to small claims court which is not precluded by any agreement and which right he has not renounced. 
On XX/XX/XXXX, records reflect that claims were initiated online for a transaction from XXXX XXXX XXXX in the amount of {$95.00} and {$2.00} that posted to the account on XX/XX/XXXX because no goods and no services were provided at any time. In addition, account was charged the associated Foreign Transaction Fee in the amount of {$2.00}. 
Boa ignores disputing charges for which complainant will sue boa in small claims court unless these charges are reversed because neither goods nor services were provided. 
XXXX XXXX asks for immediate permanent credit of both and all finance charges and stop calling finance charges interest charges in order to deceive consumers. 
Boa fails to treat customers as people but is too big to fail. but boa continues to fail because it has no incentive to change. Perhaps boa should fleece third world customers as it would be easier since English is poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in updating/correcting some of the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Mortgage

We have been working or a Short Sale for Select Portfolio Servicing for a Loan for XXXX Bank Loan No. XXXX for XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX. We had an approval letter that expired on XXXX/XXXX/2015 we asked for an extension on XXXX/XXXX/2015 with a credit toward closing cost and provided how the roof has no life left and the plumbing needs to be all re done. 
We were told on XXXX/XXXX/2015 that it would be XXXX business days. Then we were today XXXX business days. We were contacted by a lady named XXXX from XXXX on XXXX/XXXX/2015 asking for changes to the HUD and saying we should have approval by Friday XXXX/XXXX/2015. We called each day and then on Friday we called and were told by XXXX XXXX at EX XXXX that a manager would contact us by XXXX EST. Ofcourse, this did not happen, we called back to be told by XXXX XXXX a Manager that the file for extension was declined on XXXX and that us resubmitting on XXXX/XXXX/2015 is too close to the short sale date of XXXX/XXXX/2015. I have had many files with XXXX and know this is how they do this. I advised them on a recorded line that they were going to pull this game. 

This is not working for the homeowners or for the best interest of the economy. You have a ready willing and able buyer to purchase a run down property and make it habitable and the Banks are not willing to proceed. 
The Offer on this property is XXXX with a Net to the Bank XXXX XXXX on a Loan amount of XXXX. I would say the numbers work on this.
Product: Credit card or prepaid card

Capital, one sent me to collections and placed a lien on me i was never served and paperwork or sent any letters. SS # XXXX XXXX XX/XX/1956 card ending in XXXX i have tried to resolve the matter with their collections department but they weren't willing to work with me.
Product: Debt collection

On XX/XX/XXXX, I filed a report with the XXXX Police Report that my drivers license and social security had been lost in between XX/XX/XXXX at a house I rented that non of the XXXX XXXX XXXX accounts were mine including satellites tv, internet and landline phone. 


I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX threatened to sue them and with their fraud division at below address on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX They sent me a letter of apology for the inconvenience stating that the accounts had been removed, no impact on credit and to keep open to their services should an opportunity arise. 

Here we go again after more than two years. There should be a class action suit against XXXX XXXX XXXX and their collection agencies who they sell their accounts that were already removed and communicated to the victims.
Product: Vehicle loan or lease

I applied for a car loan on XX/XX/XXXX at Drive Time. I went in signed papers provided my ss card, drivers license, bank statement and utility bill. I was contacted 2 day later that I had to fill out another ssa identity form online because the first one didn't take by fax. I stated no. I called the dealership and was told they were still waiting on approval and the was XX/XX/XXXX. 
2 weeks later I received a letter in the mail stating they could not proceed without additional information which was already supplied. I called Drive Time number which was provided in the letter asking if the could change my location to purchase a car, they did. 
I called the Drive time location on XXXX XXXX and spoke with a gentleman by the name of XXXX. I was told he would request my information from the other location. I waited another week. I was told evthing was processed, however they couldn't accept my bank statement from XXXX XXXX and I needed to provide another bank account statement or another utility bill for identification. The last conversation was I needed to provide an updated electric bill because the original was now out date from the original contact date of XX/XX/XXXX. I stated that if I provided that information that it will be another 7 days to process, which now will be no good as it will 45 days from the initial signing of the application. I was told if that happens I would need to do another application.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting incorrect information on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION XXXX Original creditor XXXX XXXXXXXX XXXXXXXX  Balance {$530.00} Balance updated XX/XX/year> XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$700.00} Balance updated XX/XX/year> XXXX XXXX XXXX Original creditor XXXX XXXXXXXXXXXX XXXX XXXX Balance {$990.00} Balance updated XX/XX/year> I'm not liable for theses debts. I do not have a contract with the collection agency trying to collect. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

CRAs failed to update my report with new XXXX XXXX card. XXXX XXXX notified them on XX/XX/24 per my conversation with XXXX on XX/XX/24. It's impacting my credit score and mortgage approval. Please investigate and correct this ASAP. 
On XX/XX/24 @ XXXXXXXX XXXX  MST I spoke to XXXX XXXX & she said the new XXXX  credit card is not showing up yet. 
On XX/XX/24 @ XXXXXXXX XXXX I spoke to XXXX XXXX XXXX & discovered today when checking my score that XXXX XXXX ( XXXX ) is not showing up on cr report. XXXX told me on XX/XX/24 that XXXX new credit card was on my report. She commited fraud & BROKE THE LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from Transunion that indicated that a credit inquiry was made by your company on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I requested validation by certified mail several times and it was removed from all credit reporting agencies except Transunion.