23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Franklin collection sent me a settlement offer. I asked them to validate the debt. They did not. I then asked them about a settlement amount and they said XXXX, and I could pay it in 2 payments. I am in the process of buying a home and figured i should jus pay to have this collection deleted asap, because it was stoping me from closing, I let franklin know that and that was a huge mistake. After I made the first payment they reported me to the credit bureau as a collection not paid, after we both agreed on the XXXX. On XX/XX/18 i called them to payboff settlement and was threatened by 2 workers over the phone. And was call a XXXX XXXX XXXX XXXX.They also said they would no longer do a pay to delete for me, and that my settlement offer was no longer valid, because i didnt make the 2nd payment 2 weeks from the first payment. They never told me it had to be 2 weeks later, i was told in order for them to not put it on my credit report i had to make the first payment 2 weeks after the first payment they it in to the CB as a collection item. I have made several attempts to talk to a supervisor. Franklin collection service inc is not even authorized to Collect debt in Wisconsin where I live. This same account has been reported to my credit report 2 times and has been previously removed by othercollectionagency 's once they verified that this is not owed by me I spoke to a supervisor and he was not helpful when i told them to verify it.
Product: Checking or savings account

I attempted to make a purchase at this location, but was overcharged for a purchase.
Product: Student loan

My student loans are currently under Mohela. I applied for XXXX and was notified on XX/XX/XXXX via email from Mohela that my loans had been forgiven, a letter dated XX/XX/XXXX. The same day, XX/XX/XXXX, I also received a letter from Mohela stating my loans were in forbearance. I called Mohela and they told me to disregard that notice, and that the processing for my refund would take up to XXXX business days. I received another forbearance letter XX/XX/XXXX in which I did not inquire about. On XX/XX/XXXX, I called to check the status of my refund and spoke with XXXX. He told me he was putting an accounting task on my account for them to process as my refund had not been processed. I called again on XX/XX/XXXX and XXXX with XXXX who said there was still no activity on the processing of my refund and she put in an escalation request which would take XXXX business days. On XX/XX/XXXX, I called again and spoke with a different XXXX who told me there was still no activity for my refund and it could take up to XX/XX/XXXX to receive. I asked to speak to a XXXX as XX/XX/XXXX is beyond the 90 days of processing and there had been an escalation request submitted which means it should come even before the 90 days. She transferred me to XXXX, a XXXX with the resolution team who told me they are working on it. Today is XX/XX/XXXX and I still have not received my refund. I want what is owed to me. There is no reasonable explanation as to why any processing would take this long. If I were late on my loan payments, I would be responsible for late fees, interest and daily phone calls about where my payment is, so I expect that same urgency when it comes to giving me my money, instead of the delay and run around I am receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Lexington Law ) Hired them to monitor and to dispute any questionable collection claim. 
They started billing me monthly immediately around {$100.00} a month. 
They had disputed several ( 3 ) negative credit reports. 
Several months later I applied for a VA Home Loan. 
The lender of the VA Home Loan, XXXX XXXX XXXX XXXX had informed me that the VA regulations don't allow for a veteran to have any collections items in dispute in order to proceed with the VA Home Loan. 
I had contacted Lexington Law informing them of this issue and that I needed them to immediately remove the items in dispute with the collection companies. 
Lexington Law stated that they would have the items removed from dispute, and that my fees would be lowered because they would be doing less work now on my account. It went from {$100.00} to {$17.00} dollars a month. 
Now the lender of my VA Home Loan just stated to me that the collection items were never removed from dispute. Now my VA Home Loan that had been approved and the home they were financing is in jeopardy. 
I had just called Lexington Law to inquire what was going on. They were very rude and disrespectful and gave me a lot of double talk to try and confuse me. 
I feel they misled and deceived me. 
( misrepresentation )
Product: Credit card or prepaid card

Chase wrongfully reported 30 day late fro XX/XX/XXXX. Payment on XX/XX/XXXX and posted on XXXX for the total of {$400.00} was paid for the amount due in XX/XX/XXXX {$200.00} and XX/XX/XXXX for {$200.00}. Chase DID NOT POST PYAMENTS CORRECTED AND AS REQUESTED. INSTEAD OF APPLYING THEM FOR 2 MONTHS THEY POSTED IT ALL FOR XXXX, AND NEVER CALLED EMAILED OR CONTACTED ME IN XXXX FOR THE PAYMENT THUS I ASSUED IT WAS ALL PROCESSED CORRECTLY. Later I can't to find out they reported a 30 day late damaging my credit for XX/XX/XXXX. I have been arguing with Chase trying to resolve this matter to no avail ... Please help correct this injustice. 
I spoke with XXXX in the CBSU on XX/XX/XXXX at XXXX ET - the call lasted 1 hour and 1 minute. The CBSU does not provide employee numbers or Last Names and said that the call date and call time in conjunction with my account number would be sufficient as the account notes are clearly documented.. I also spoke with XXXX in the CBSU this morning XX/XX/XXXX at XXXX ET for 28 minutes. This call was also recorded. I'm also attaching my bank statement which shows the XXXX payment being withdrawn from my account on XX/XX/XXXX. 

I would like to assert that the payment I was required to make on XX/XX/XXXX included both XXXX and XXXX 's payment for XXXX - and I would like Chase to prove ( or disprove ) that. I firmly believe that there is a bank error in the crediting of my payment and that I was clearly under the impression that my XX/XX/XXXX payment include the XX/XX/XXXX payment for XXXX and the XX/XX/XXXX payment for XXXX ( paid early ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a party to Experian Data Breach Class Action, Claim # XXXX. I am a DIRECT victim of Experian Data Breach and have nine ( 9 ) HARD INQUIRIES that I dont recognize. I have spoken with Experian with no help from Experian. I noticed the hard inquiries that I do not recognize and I am supposed to be protected by Sec 611 Fair Credit Reporting Act with 5 day notification letter of reinsertion of data on my credit report which never happened. I will list the HARD INQUIRIES : and Date of inquiy : ( # 1 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, date XX/XX/XXXX, ( # 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, date XX/XX/XXXX, ( # 3 ) XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX date XX/XX/XXXX. 
( # 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX   date of inquiry XX/XX/XXXX, ( # 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, date of inquiry XX/XX/XXXX, ( # 6 ) XXXX XXXX   Unspecified inquiry date XX/XX/XXXX, ( # 7 ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX UT XXXX, date inquiry XX/XX/XXXX, ( # 8 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, date of inquiry XX/XX/XXXX ( # 9 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  date of inquriy XX/XX/XXXX
Product: Vehicle loan or lease

Recently, I was denied an extension of credit by Capital One Auto Finance On XX/XX/2022, I applied for pre-qualified Capital One Auto Financing. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer pursuant to 15 U.S. Code 1691 ( c ). Capital One Auto Finance assumes civil liability pursuant to 15 U.S. Code 1691e. Capital One Auto Finance has violated my federally protected consumer rights : 1. 15 U.S. Code 1642 2. 15 U.S. Code 1681M 3. 12 CFR 1002 Since the letter Capital One Auto Finance sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, Capital One Auto Finance is also criminally liable. Capital One Auto Finance should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice collect actual damages for said violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple fraudulent accounts, collections, and inquiries that have appeared on my consumer credit report, all of which are the result of identity theft and fraud. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent items be blocked from my credit report within four business days of your receipt of this complaint. 

The fraudulent and inaccurate information includes the following : Personal credit card at XXXX XXXX  ( opened XX/XX/XXXX ) Auto loan at XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ) Account at XXXX XXXX  ( opened XX/XX/XXXX ) Account at XXXXXXXX XXXX ( opened XX/XX/XXXX ) Fraudulent inquires at XXXX XXXXXXXX and XXXX  These fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my credit report. I do not recognize these accounts, inquiries, or collections, and they were not opened, made, or initiated by me. 

As evidence of identity theft, I have attached the following : A copy of my FTC Identity Theft Criminal Complaint ( XXXX XXXX XXXXXXXX A copy of my consumer credit report highlighting the fraudulent items A list of unauthorized hard inquiries related to these fraudulent accounts Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to investigate these fraudulent items, block them permanently from my file, and cease any collection activities related to them. 

I expect prompt action on your part to remove these fraudulent accounts, inquiries, and collections. Additionally, I request a description of the procedures used in your investigation, as well as any documentation from creditors related to these accounts. 

Failure to comply with my request within the legal timeframe will compel me to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of your progress in resolving this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a debit collection notice from Aldous & Associates, XXXX XXXX, XXXX, UT, XXXX, for a balance of {$190.00} ( account # XXXX ) on behalf of XXXX XXXX XXXX, a fitness gym, located in XXXX XXXX XXXX, Florida. The debt collection letter claims I defaulted on an installment contract with the Company. I was formerly a client of XXXX XXXX XXXX with no installment contract who paid on a month-to-month basis. I discontinued visiting XXXX XXXX XXXX several months ago, so I was surprised to receive a debt collection letter for a debt that I do not owe. I contacted Aldous & Associates by telephone on or about XXXX XXXX, 2016, and attempted to explain that I was pay-as-you-go customer of XXXX XXXX XXXX that did not have a contract, but the representative became hostile and verbally abusive and kept yelling and screaming that I owed them money with or without a contract with the fitness center. I informed the representative that I did not owe the debt and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported to XXXX  XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX has refused to do this. The followings are the fraudulent account : XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern, I have disputed Nicholas Financial with XXXX  and XXXX, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute Nicholas financial has came back as verified. Nicholas Financial has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for Nicholas financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by Nicholas Financial company regarding validating the debt.
Product: Credit reporting or other personal consumer reports

FCRA Violations Not MINe Not my XXXX XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$8900.00} Status Account charged off. {$9400.00} written off. {$8900.00} past due as of XX/XX/XXXX. 
never late on car payments XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$17000.00} never late on these credit cards XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
never lived here XXXX XXXX XXXX XXXX, TX 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/year> and shows a balance of {$280.00}. I do not know what this is for. This company has not sent a letter to my current address stating what this debt is for and the amount of the debt. To date I have not received any correspondence as to what this is about. They have not sent anything stating who this pertains to, the amount of the debt or any original contracts showing the creditor. This appeared on my credit report today without any communication as to what it is for. If I would have received something in the mail regarding this debt, I would have asked who is the original creditor, the original balance owed, statements, and original contract. This is a clear and intentional violation of the Fair Debt Collection Practices Act. To date I have not received any written communication regarding this debt, nor have. A debt collector must provide written notice that details the following : 1. The amount they think I owe 2. the name of the creditor 3. How to dispute the debt in writing To date I have not received anything along these guidelines, or I would have promptly responded disputing the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I suffered hardship during XXXX and applied for hardship with Wells Fargo. In XX/XX/2021 we came out of forbearance and applied for a hardship modification. My XXXX died and that caused a loss of income that assisted in paying the mortgage note. Wells Fargo will not give me definitive terms on what is being offered. I qualified for XXXX assistance terms under the most recent XXXX XXXX XXXX. At this point XXXX is telling me I either need to accept or decline that offer. i have no documentation on what the offer is. How can a consumer make a informed financial decision if they do not know the terms they are rejecting or accepting. XXXX is being difficult to work with and will not provide documentation of our options.
Product: Credit reporting 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 Account XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by LVNV FUNDING in the amount of {$430.00} owed to XXXX XXXX XXXX. I was unemployed for some time and could not make the monthly minimum. However, things have changed and I am willing to pay the full balance owed ( {$430.00} ) to have the trade line deleted and a new account opened with XXXX XXXX. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please e-mail or mail a signed and dated letter to the address attached to this complaint or attach the letter to the complaint. After receiving it, I will send you a payment of {$430.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Product: Debt collection

Over 10 years ago, we had an issue with an account with XXXX. We used an account with them to purchase a computer for our daughter, but it was paid off within a few years. Then, we started getting collection calls and letters about charges on the account we did not make. It took us over XXXX years to finally get the account off our credit report. 

Last month, we received notice the account had been " sold '' to a collection agency. We immediately reached out to let them know that this account was well over the statute of limitations and had been deemed not to be ours a decade ago. 

Today, we got a letter from Credit Control LLC demanding payment even though their letter indicates the debt can not be collected and is past the statute of limitations for a lawsuit. This is predatory debt collection as we proved XXXX years ago we did not owe this money.
Product: Vehicle loan or lease

I recently had a conversation with a representative from Santander concerning a deferment with XXXX and/or XXXX car payments. 

I was directed to the loan officer there and she questioned me about why I needed a deferment and why was I not able to pay my bill. She went to say I had been late 7 other times during the possession of my vehicle. She wanted to know why, and then she asked me why my husband could not make payments. She then asked me why to keep my car if I am not able to pay or how was I going to keep something that was making me unable to keep paying for it. I replied, dont worry I am not losing my car, then I hung up. I called to try to be proactive and the representative was so mean and horrible in how she spoke to me. 

Right after our conversation, I received a letter that was typed on XX/XX/XXXX, stating XXXX and XXXX payments must be made by XX/XX/XXXX or repossession. I attached a copy of the letter.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off my entire credit card balance. This was XXXX day before the due date. XX/XX/XXXX is the due date for the balance. On XX/XX/XXXX, Comenity Bank charged me {$19.00} for a finance charge. I don't think this makes sense because I had already paid my entire balance on XX/XX/XXXX. How can they charge me interest on a {$0.00} balance?