23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a customer of XXXX XXXX, formerly XXXX XXXX. The company engaged in misleading, sordid tactics to obtain customers. In XXXX of XXXX a salesman lied to my family, reporting that XXXX XXXX is a subsidiary of XXXX XXXX. That they had been around for over XXXX years, which instilled false trust in me concerning the stability of their company. They were sued by XXXX XXXX and had to change their name to XXXX XXXX within a year. I was talked into buying a solar system for $ XXXX, well above normal pricing. But this included an too-good-to-be-true warranty that I thought was worth the extra money. But, the system performed at less than half of what was promised. The company was inundated with lawsuits for fraudulent activity, and ended up having to file bankruptcy. My warranty can no longer be fulfilled. They in no way fulfilled their part of the contract. And the contract could not be fulfilled through normal means as they also stated we must pay the entire tax credit amount back to them within XXXX year or we would lose our low rate. No normal family makes enough money to be able to collect the full tax credit in XXXX year. I am working with lawyers to take claims to arbitration. My lawyers filed a letter to inform them of this. 
Beyond this, XXXX Attorney Generals ( including Indiana ) notified the lenders XXXXSunlight Financial that they should cease collections. 
Instead of ceasing collections they securitized the accounts and we, the consumers, are being collected upon by the assignee trust 's collection agency despite claims of cancelling as a matter of right. Allowing this behavior eliminates the usefulness of the FTC XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report last night and noticed that there was a new collection that appeared on my account from XXXX. XXXX, XXXX XXXX ( XXXX XXXX ). It shows the date it was opened as XX/XX/2024 and shows a balance of {$280.00}. I have never done any business with this company, and have not received a letter stating that I owed a debt to them. Nothing was mailed to my place of residence prior to after this was added to my credit report. I have received XXXX correspondence as to this collection. By law, they are required to send correspondence informing me of the debt and giving me an opportunity to request additional information regarding the debt. This was never done. I have not received an original agreement between me and this business. I have not received a bill or any account statements showing payments or proof that this is my debt.
Product: Credit card or prepaid card

My card is declining whenever I try to use it as a debit but goes through as credit. Today I'm trying to make an online purchase and the bank keeps blocking it " for my protection '' ( according to the payfare representatives ). I've spoken to several representatives and I've verified my account info several times over to prove it's me. I eventually asked for a supervisor and was transferred to who I later found out was NOT a supervisor so I asked for a supervisor again. This time I was told the supervisors are busy assisting other callers and was refused further help. So other customers are more important then me? Instead of unblocking the transaction, the representatives just keep repeating " this transaction had been blocked for your protection, please use another card, I will be disconnecting the call '' and then they hang up on me. Well my hard earned money that I worked for is on this card, this is the card that I use for fun purchases, and the bank does not have a right to hold it hostage! Stop blocking my transactions and actually provide your customers with service.
Product: Mortgage

everbank claims my escrow account is XXXX short for this coming year.
they are proposing  to raise my escrow by XXXX per month and an additional XXXX
on addition to the XXXX.
THIS IS NOT NECESSARY.   SOLUTION:
simply increase monthly excrow to XXXX
this will ;eave more than enough to pay taxes in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXXnder USC 1681g, delete this within 15 days.
Product: Consumer Loan

For some unknown reason, Toyota Financial services canceled my online payment account. They were never able to explain why, but admitted it was their fault. I had been making online payments for years, but suddenly, I could n't, and was told that I could not reopen the account. This was in XX/XX/2016. One agent told me I could pay over the phone, using XXXX XXXX. I did. The same happened for XX/XX/XXXX : I paid over the phone. In XX/XX/XXXX, I took the time to try to get to the bottom of the problem because it was inconvenient. I was told I had XXXX accounts. I spoke to many representatives, often being on hold for long periods of time, only to be disconnected and have to tell this rather involved account all over. 
I found out that the payments I made over the phone had disappeared, and no one could tell me what happened. They informed me that I would have to go to my bank and get a merchant report to show that the money was indeed taken out, something my credit union never heard of. I spent countless hours on the phone and running around. I was told that because it was their fault, it had not been reported to a credit agency. I found out yesterday that it had. Even though they finally sent letters saying it was resolved, it has not been. Just yesterday, I was told that my account was past due again. It was n't and had not been. 
I was harassed on my job and tried to clear it up, but soon after that lengthy call, another representative called me at work to tell me my car was about to be repossessed. Each time that a representative could see from the account that I was indeed telling the truth, I was told that it had not been reported to a credit agency, but that was a lie. I have all of my receipts that demonstrate when the payments were made.
Product: Credit reporting or other personal consumer reports

Company stated in prior complaint tat They no longer handle account. Account has not been removed from all credit bureaus. Legal counsel has been contacted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX, Account Number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have had a Netspend prepaid debit card with no overdraft for a couple years with no problems. Recently at time when my account balance was {$0.00} Netspend claims I purchased XXXX XXXX stuff and they approved a purchase and made my Card balance - {$190.00}. Normally they text me on all transaction but not on this one so when I deposited {$100.00} two weeks after the incident I was surprised to find my {$100.00} unavailable and my account negative another {$99.00}. Only after calling customer service I was informed of the fraudulent transaction for {$190.00} with XXXX XXXX two weeks earlier so I filed a dispute. 
I never ordered, downloaded or used anything on their web site and I couldn't have if I wanted to with no money on my card. The purchase shouldnt have ever been approved if there are no funds. Netspend did an investigation and mailed a letter to me saying that they contacted XXXX  and they said their evidence that the purchase is valid is because they have my financial info that I gave them for my XXXX  wallet account and should be confidential. Having that info is no proof. They said the second thing that is proof is that I went on XXXX " XXXX  '' and downloaded games and virtual currency which not true either and different for their first claim that it was a purchase from XXXX. All of that is irrelevant because anytime there are no funds all transaction are not approved. I disputed the fraud in writing and informed Netspend I never downloaded anything or used anything from XXXX but they are saying I must pay it. 
There are blogs I've found many many people that are having the same problem with XXXX that they never ordered from them but have charges. I don't have a credit card its a prepaid debit meant to never have debt. I don't even have the {$10.00} overdraft. Nothing like this has ever happened in the past and I wonder why they paid this transaction are trying to make me pay it. 
When I contact Netspend they say there's no number I can call to talk to Netspend Dispute Resolution Department and they are the only ones that can do anything about this issue. They also can not give me a phone number to contact XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my XXXX time writing to CFPB, you contacted experian and they didnt fix the problem, I have XXXX incorrect negative information on my experian report. I submited more than XXXX disputes in the past to remove those XXXX negative items and still they didnt remove it and all the accounts have incorrect information, wrong address, wrong amount
Product: Credit reporting or other personal consumer reports

Transunion was, according to their own report, required to remove XXXX XXXX XXXX as a closed account since the statue of limitations requires it. I have been unable to get through to them by phone and filing a complaint, or even getting my credit report, is impossible since they always have server problems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2023 EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN COLLECTIONS ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 
I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT BUREAUS, AND I HAVE IDENTIFIED SEVERAL COLLECTIONS ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE COLLECTIONS ACCOUNTS LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THESE ACCOUNTS, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

2. REMOVAL OF INACCURATE COLLECTIONS : IF THE ACCURACY OF ANY OF THE IDENTIFIED COLLECTIONS ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION.

I WANT TO EMPHASIZE THAT THE ACCOUNTS IDENTIFIED AS BELONGING TO THE THIRD-PARTY DEBT COLLECTOR WERE ACQUIRED BY THEM AND DO NOT HAVE ANY CONNECTION TO ME. I HAVE NEVER CONDUCTED ANY BUSINESS TRANSACTIONS WITH THIS DEBT COLLECTOR, AND THESE ACCOUNTS DO NOT REPRESENT ANY VALID FINANCIAL OBLIGATIONS ON MY PART.

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE.

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion initially verified my new account. But it now says invalid information. Runaround with numerous telephone numbers, forms, etc. Unable to process password changes.

It appears this company is unable to fulfill its stated mission of freezing accounts after huge data breach of ss numbers. Deliberately being obtuse.

This appears to be an going problem the company has. Federal government must step in and force changes to TU 's practises.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

On XXXX XXXX, 2017, I called Navient as my payment was due. I work and live in XXXX and have been able to previously set up reoccurring payments through my foreign debit card since I can not pay through an international bank. This call was meant to set up a new round of these reoccurring payments via a debit card.
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While we were setting up the new payments I was informed that I was 2 payments overdue. I asked if they could see why since I was covered until the XXXX XXXX payment. They said they could only see that the payment did not take.
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While processing the order to set up the new reoccuring payments and pay for the 2 overdue payments, they state my card would not go through because their system was viewing my debit card as a credit card and would not allow the payment. Apparently 2 months prior they decided they would not longer accept credit card payments which is why I was two months behind even though I was not informed my card would no longer be accepted.
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Since I have been working and living abroad for the past five years, using my foreign debit card was the only way I could make payments on my loan. They are now telling me that it is not an option only because their system deems my debit card as a credit card.
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They have given me no feasible options to correct this and given the time to find any sort of solution I will now be three payments behind and have to deal with those fees.
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It seems counter-intuitive that they refuse to help someone who is trying to pay back their loans just because they work and live abroad and do not have access to a XXXX XXXX account.
Product: Credit card or prepaid card

I have closed my Chase credit card by paying the entire amount which I owed in the amount of {$300.00} on XX/XX/XXXX, that amount was withdrawn from my bank account as well. However the company attempted to withdraw money which was an autopay from my account every month since then and attempting to Charge me. I did call my bank, XXXX XXXX XXXX XXXX, and stopped this payment. 

Inorder to understand why Chase is attempting to withdraw money again which is an amount of {$400.00} as of XXXX, XXXX, I did speak to multiple representatives and they all provided me different answers. None of the representative was able to explain where this > {$400.00} coming from. On XX/XX/XXXX when I payed off the balance and closed my credit card, the representative I spoke with had clearly informed me of no further charges exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX my minimum auto payment was withdrawn from my account in the amount of {$120.00}. On XX/XX/XXXX I paid off the entire current balance of {$3200.00}. A day later I logged into my account to verify my {$0.00} balance only to find that after my payment in full was made and accepted I was charged interest in the amount of {$86.00} and a new statement was issued. I made contact multiple times and was told they wouldnt do anything and I owed the money. They said it was a charge I made on my account and not interest as stated on the account. They have no clue what they are doing. I also find it interesting that when I use the drop down menu the activity nothing is in order or shows up as it should. When I use recent activity it doesnt show all transactions on XX/XX/XXXX. This company is not being honest and ripping me off!
Product: Debt collection

Ocwen Loan Servicing , LLC continues to send mortgage account statements on property that has been foreclosed on ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX / XXXX County, NC XXXX ID XXXX ). 

Deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX of where the XXXX XXXX XXXX XXXX , XXXX foreclosed on home and grantee is XXXX XXXX, XXXX for {$3500.00} recorded XXXX XXXX, 2012. 

Then deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX. 

Then deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX XXXX, XXXX XXXX, XXXX XXXX to Grantee XXXX XXXX. 

Ocwen Loan Servicing has been made aware of the sale by myself sending them deed book and pages of the sold home.
Product: Student loan

Since XX/XX/XXXX  I have sent my first inquiry to bankmobile that I can not login to my account due to not knowing my password. It is now XX/XX/XXXX   and i have not been able to recieve my funds from financial aid. They will not create a new account for me, send me a check or allow me to recieve my funds through my existing bank account or update my profile information that I have confirmed by phone with a customer service representative. Bankmobile said they are not able to update my information until i send them a completed CAVID form which consists of name and address change which is irrelevant to me and my problem. I still have the same name and address the form also wants me to send a identification document so i sent 2 print outs of my ID and the updated email and phone number and informed them of my new existing bank account i have access to. The form and documents were to be mailed out to a po box which i felt was weird. Bankmobile at XXXX XXXX XXXX called me at my updated phone number just to tell me they arent able to update my information till i send them a clear picture of my ID to be able to update my information which is suspended for too many failed password attempts.I will foward you the email from me and bankmobile. I am very unhappy and do not understand why they cant just email a new password set up link to my phone number or email that i can access, I took a student loan out this year because of my living situation and i am in very much need of this money that i shouldve got in XXXX i dont believe my college should partner with this third party bank for our financial service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i was notified on that XXXX XXXX XXXX has reported account as a Charged Off account as I tried by mail and phone call to resolve this issue with them they have still denied me the 1099c that I requested that they filed on my behalf In accordance to IRS law a charged off is considered a certificate of indebtedness which is income and INCOME IS NOT TO BE FURNISHED ON A CONSUMER CREDIT REPORT I have asked for removal of this furnishing that is effecting my consumer report and also my life I have also requested a statement of accounting and or settlement of accounting and they have refused to send over that copy and copy of original contract
Product: Money transfer, virtual currency, or money service

Mr. XXXX XXXX at National Link was hired by XXXX to disburse payments from the proceeds of a home loan used to purchase one half of an inherited home. Mr. XXXX at National Link did not call to verify the payoff amounts on the loans in a timely manner and as a result some accounts were overpaid and XXXX was underpaid ( by {$1.00} ) causing XXXX to return the check to National Link. National Link nor Mr. XXXX let us know the check was returned ( had to find that out from the credit bureau that the payment was marked as late ) and I had to call him to have the check re-issued and sent overnight. National Link ( Mr. XXXX XXXX stopped payment on the first check and re-issued a second check, but again did not check the payoff amount and the check was sent short and was returned again. None of this was made know to us over a 2 month period, even though I had repeatedly called and asked what was happening with the account. Mr. XXXX seems to believe that he has no responsibility to us or the creditor he was to have paid to ensure correct funds were disbursed. Now XXXX has turned the account over to collections and damaged our credit scores and refuses to correct the action as they say it was National Links responsibility to let us know and National Link ( MrXXXX XXXX XXXX XXXX refuses to correct the actions as they say it was XXXX 's job to let us know. I was able to get National Link to send me the check made out to XXXX and have gone today and paid off the loan plus the additional penalties and have submitted a dispute with the credit bureau in hopes to reduce some of the damage these two institutions have done to us.
Product: Debt collection

XX/XX/XXXX to XX/XX/XXXX Americans CarMart XXXX # XXXX Nothing was done to fix the problem with CarMart or XXXX XXXX