23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXXXX/XX/year> Source Receivables Management , LLC XXXX XXXX XXXX XXXX NC, XXXX Re : Request for Debt Validation and Assignment Contract To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including proof that you have the legal right to collect on the debt.

Account Number : XXXX Amount Owed XXXX XXXXXXXX} As part of the debt validation process, I request that you provide the following : The complete details of the debt, including the amount owed and the dates of the debt. An original copy of the contract bearing my signature.

A copy of the assignment contract or any document showing that the original creditor has legally assigned the debt to your agency for collection.

A detailed statement of the account showing any payments made, interest added, or other adjustments from your agency as well as the original creditor Proof that your agency is licensed to collect debts in my state ( if applicable ).

Please note that I request this information within the 30-day period allowed by law, and I am exercising my right to dispute this debt until the requested validation is provided. Should you fail to provide proper validation, I will expect that this matter be resolved in accordance with the FDCPA, including cessation of further collection efforts. 
Thank you for your cooperation. I look forward to receiving the requested documentation. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a large payment on my Truist credit account and I talked to representative and representative told me that there was over-payment on the credit card account and they could credit my checking account. I asked if there were going to be any interest charge on my account soon-and I was told that account has {$0.00} balance there shouldn't be any fees charged, therefore, I agreed and representative transferred money. Later, I was traveling and didnt receive statement, it turns out Truist bank charged my credit card interest and later I got charged late fee {$28.00}. I would like Truist bank, to provide chat / recording file, plus refund my late fee {$28.00} and also provide calculation of interest charged. 
Please see relevant statements attached. Please let me know if you need any additional info. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021.
Product: Debt collection

I sent Toyota Motor Credit a letter via certified mail on XXXX XXXX, 2016. I have the only response that I received was further derogatory reporting on my Credit Report. I never got any for of response to my letter, which is attached and the exact same letter was sent again on XXXX XXXX, 2016. Twice I 've sent this letter! 

I 'm prepared to file a lawsuit for violations under RFDCPA and Title 15 Section 1666 of the US code.
Product: Debt collection

Stellar Recovery, Inc. reported a collections account to the XXXX credit bureaus in XX/XX/XXXX, identifying XXXX as the original creditor. When I called Stellar for information on the debt, I was told it was a debt from XX/XX/XXXX in the amount of {$440.00} and previously had a high balance of {$520.00}. I then called XXXX and spoke to XXXX other people, XXXX claiming I owed {$27.00} and another claiming I owed {$720.00}. This is a debt from 5 years ago, and XXXX never contacted me saying that I owed anything! I ca n't verify if the debt is valid because the companies tell me different amounts. I was in the process of purchasing a house when this was reported on my credit and I lost the sale and the pre-approval from my lender. The collection agency is completely misrepresenting my current position as a borrower by reporting the debt as new in XX/XX/XXXX, yet saying telling me the account became delinquent in XX/XX/XXXX. To top it all off, my wife just had a false collections account reported by Stellar Recovery removed from her account. How can they be allowed to do this to people?
Product: Student loan

There are three loans on my credit report that have the same opened day as my real loans. The account number, lenders information and term length are not the same. The debt amount is off by a few dollars. 
The name of the lender is listed as the Department of Education but the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Does NOT belong to them. Its belongs to XXXX, a software company. 
I have called the department of education but they do not do anything because they dont look past the fact that I do have loans with the same start date. Borrowers Defense denied my claim despite proof from my student loan account records showing an amount for twice my student loans. The financial records show double the amount but my XXXX only list three which is correct. I wasnt charged at an interest rate of 100 % in a time span of XXXX ( which is when they appeared ).  They do say that the loans are from being transferred as a result of defaulting. They were on deferment as I was having an economic hardship. I was in the midst unemployment which resulted in an eviction. The default was a surprise. What they ignore is the fact that last year alone, disbursements were made for about {$30000.00}. I only owe {$14000.00}. Two of the loans were issued for a year I never applied to. I attended XXXX XXXX XXXX and was told to give one of the financial aid workers my application and they would help but I didnt hear back from US Dept of Education. Even my statements listed another company as the lender. The school said I would owe them. I also reported this but no one has ever taken it seriously despite proof. Is it not illegal to ask someone to pay a debt that was fraudulently acquired or isnt theirs?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX sent my Debt to a collection agency XX/XX/2018 even though I had settled this Debt with XXXX XX/XX/2018. I filed a complaint with the XXXX  and on XX/XX/2018 I spoke with XXXX executive office. They said even though we agreed on a settlement they would not remove from collections unless I paid an additional {$37.00}. I paid that amount and they said it would be removed in 60-90 days. To this date it still hasn't been removed. I have disputed it with Experian showing the letter from XXXX they would have it removed and Experian still hasn't removed it.
Product: Vehicle loan or lease

I just couldnt afford the car due to the recent events of financial issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened from someone stealing my identity. I have notified Equifax and they have added the fraud alert on my credit report but did not delete the accounts that was opened. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received anything from these companies or give them permission to open any accounts. Please delete XXXX XXXX XXXX, several DEPT OF EDUCATION/XXXX and several XXXX. I have never been a college student & these accounts are not mine. Someone applied for things in my name from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX & XXXX main these should be deleted as well. Thank you for helping me get this matter taken care of. 
I submitted this request on XX/XX/20 complaint XXXX & recieved a response that they believed that it was not me that sent the complaint. I am sending this complaint again in hopes of having these accounts deleted.
Product: Mortgage

XXXX and XXXX XXXX CFPB complaint against Community Loan Servicing formerly Bayview Loan Servicing Loan number ending in XXXX COVID forbearance was requested and granted in XX/XX/XXXX. XXXX of XXXX we were able to resume payments, but we were not able to pay the arrears. XXXX was laid off due to COVID and the 2nd forbearance was granted in XX/XX/XXXX. 
We believe the offer presented XX/XX/XXXX was not fair and did not meet the XXXXOVID relief guidelines. The letter stated forbearance would end soon. We were not given 30 days notice of the end of the forbearance. Letter attached A letter was dated XX/XX/XXXX stating forbearance would end XX/XX/XXXX. The letter was received until XX/XX/XXXX. 
A letter was dated XX/XX/XXXX showing our payoff balance and interest was being charged during the forbearance. 
A letter was dated XX/XX/XXXX stating forbearance ended XX/XX/XXXX and if we wanted to extend, we had to reply by XX/XX/XXXX. XXXX attached. 
A letter dated XX/XX/XXXX was a loan modification proposal. We believe this proposal is not fair. 
We are having difficulty contacting CLS. We were not given a dedicated agent to handle our mortgage issue. We worked with XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX. XXXX did speak to XXXX on XX/XX/XXXX @ XXXX XXXX  and requested the forbearance continue. XXXX stated there were 700 days remaining on the forbearance. XXXX asked about the partial claim option and XXXX stated he did not know the anything about the COVID waterfall. XXXX XXXX, HUD certified housing counselor, was on the call. XXXX emailed the company and XXXX XX/XX/XXXX requesting they remain on forbearance. 
We have made mortgage payments in XX/XX/XXXX of {$620.00} and XXXX {$600.00}. We have less than {$8000.00} to pay off our mortgage. We are asking for fair repayment plan according to the COVID Relief guidelines.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my husband and I purchased an automobile at XXXX in XXXX XXXX. We authorized XXXX XXXX to pull credit. They mistakenly pulled the credit for XXXX XXXX twice through XXXX XXXX. My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with XXXX and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize XXXX credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. 

On XX/XX/XXXX, I only authorized XXXXXXXX XXXX to pull credit. XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and COAF were not authorized to pull my credit. The auto dealership, XXXXXXXX XXXX XXXX  XXXX somehow submitted the application, which was intended only for XXXXXXXX XXXX, to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. 

On XX/XX/XXXX, I visited a dealership to purchase a recreational vehicle. I authorized XXXX XXXX to pull credit. I did take a loan out through XXXX for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through XXXX prior to me authorizing the credit application with XXXX. An unauthorized credit pull was made by XXXX to and shows up through a XXXX Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. 

These unauthorized credit inquiries recently caused a denial of credit through XXXX due to too many inquiries. My credit score is above XXXX and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for reasons stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.
Product: Credit reporting or other personal consumer reports

I sold my house XX/XX/year> and I have my credit drop XXXX points due to mortgage saying they never got the loan and etc.
Product: Checking or savings account

On XX/XX/2024 I transferred {$1000.00} to mt fiancee 's XXXX  XXXX account from my XXXX XXXX Social Security Benefit debit card. 
when my fiancee 's XXXX XXXX statement arrived XXXX weeks later, the {$1000.00} transfer was not accepted by XXXX XXXX. the money never arrived in my account and no record of the transfer or deposit is on my XXXX XXXX statement. 
I called XXXX XXXX several times and was told they could do nothing to help me. 
I contacted Comerica Bank, which manages the XXXX XXXX debit card for the Social Security Administration with no help from them either. 
I also contacted Social Security and was told they could do nothing. 
I would like to have my money returned.
Product: Consumer Loan

Over the course of 4 months i have been consistantly misinformed and charged for for the misinformation. I was told i could get a cheaper insurance through the company and when doing so I discoverd it was not approved for my state and they could not send me any verification or even receipt showing that i had paid insurance. when i tried to get it resolved they informed me that i had a lapse in insurance and now my premium has gone up. in addition to this, when I called to pay they could not even give me an amount to pay, fluctuating between {$750.00} up to {$1200.00}, my orginal payment was {$280.00}. when I inquired about this it took XXXX transfers and speaking to the supervisor to finally get the right information. Now I have all these racked up fees and they have offered me no solution or anything for this misinformation.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I was contacted by XXXX XXXX about money they said I owe, I asked them to produce my signature about this, I was not provided this ( XXXX ) is the amount
Product: Mortgage

When originating my mortgage in XXXX of XXXX, I waived my escrow account requirements and was going to pay them on my own, out of pocket. My previous lender servicer, XXXXService Mac , who will be referred to as XXXX XXXX had paid the property taxes for my parcel when they became due or past due. On XX/XX/XXXX the servicing was then sold to XXXX XXXX who will be referred to as XXXX XXXX with an escrow shortage. And a forced escrow account which increased my payment ~ $ XXXX XXXX XXXX informed me that the property taxes were in fact not paid and that I was delinquent XXXX. They setup an escrow account to collect for the allegedly owed property taxes ( {$15000.00} ) that were paid by XXXX XXXX already. Now my escrow account is double short ( ~ {$25000.00} ). My payment has gone up from ~ $ XXXX to over $ XXXX. 
When contacting XXXX XXXX multiple times about this, they informed me that the taxes were paid to the wrong parcel leading to interest charges from county as well. XXXX XXXX did not provide with clear explanation for each property tax payment made and advised to wait up to 90 days for it get resolved/researched XXXX XXXX meanwhile I have to continue make escrow payments for taxes that were made in error to incorrect parcel making my escrow account go XXXX negative. I called and spoke with XXXX XXXX  XXXX  times and did not get any clear information on the resolution, neither managers or supervisors provided a clear path to get his resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

In XX/XX/XXXX, my account with Home Depot consumer credit card by Citibank XXXX. was closed. I had called to see what I can do and it was explained to me the account was closed. No notice from them but on their site to make payments. I called at the end of XXXX to set up an autopay for the remainder of the balance for {$100.00} on the XXXX of each month. Spent XXXX mins on the phone setting it up and was even told that the last payment was going to be slightly more but I had time to change it if I wanted to. I explained that it was fine to keep it where it was and that when I get to the end of the pay back I would make an extra payment if need be. The XXXX, read me all the fine print about the autopay and I agreed to it. First payment came out on XX/XX/XXXX and that was it. XXXX today when I received a collection notice from XXXX XXXX XXXX. I called to explain that I had an autopay set up and wasnt sure why I received this letter. They told me to call Citibank back and try to figure this out with them. I called Citibank back and was told, autopay was cancelled. I asked by who ... .they dont know. I asked them to review the recorded conversation. They wouldnt do that. I asked to speak to a supervisor, was told there was nothing they can do. So now I have been sent to collections on something that I took care of XXXX months ago. Not once did the XXXX from Citibank look into the matter just kept telling me its out of their hands. I asked why no letter was sent, was told they dont do that. I asked again, why was it cancelled ... .and she did not know. Now I am sent to collections and have this reflected on my credit report on something I actually set up to pay.
Product: Checking or savings account

My previous complaint was : opened an account with Marcus by Goldman Sachs on XX/XX/XXXX, on that date I also deposited {$150.00} into the account. On or about XX/XX/XXXX, I attempted to deposit additional funds into the account, only to find that my account had been locked. I have called this company every business day since then trying to resolve the matter. I have given them every possible piece of information I could in order to prove my identity to them, but they claim they can not unlock the account, nor can they tell me the reason the account was locked. Additionally, I have not been allowed to cancel the account or access my funds. That complaint was closed because Goldman Sachs sent me an affidavit of Identity. Since then, I returned the document that was requested, signed and notarized. Goldman Sachs then closed my account with no warning and without being prompted to do so. When I called and asked why it had been closed they stated that they did not know why it had been closed. Additionally, they have still not unlocked the account or given me access to my money, claiming that they did not have the aforementioned affidavit.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I got a notification from XXXX that there was a change in my Equifax score. When I checked what the change was it was unclear to me because everything looked good that was reported that changed. As I further investigated I noticed that some old accounts that I previously disputed and got removed had reappeared out of nowhere. I didn't get anything in the mail and it didn't even appear as something new on my credit karma or credit monitoring. According to the XXXX XXXX XXXX XXXX ( B ) ( i ) ( XXXX ) ( XXXX ) that is illegal and a violation. It happened in XXXX too but I submitted a complaint and the information was deleted. I am angry that it is happening again. My score dropped XXXX points! I have submitted a complaint before this one, then ordered a report. Equifax is also in violation of XXXX XXXX XXXX ( XXXX ) there are no comments of my dispute
Product: Prepaid card

my birthday is fairly close to XXXX, as such i've received XXXX Amex giftcards between XXXX and XXXX, where normally ive been able to add said cards to my digital wallet. that has not been the case with these. inconvenient, but fine because the assumption wass i can just use the card # 's and enter them manually for an online merchant. this is not the case. the merchant will pre authorize an amount ( an amount that never drops off ) and decline the purchase asking me to contact my issuer. Ive contacted Amex XXXX times about the inability to add the cards to XXXX XXXX, the pre authorizations that dont drop off even after 30 days, and being unable to use the card at online merchants that accept AMEX. Each time their solution has been to " keep trying ''