23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX. Company called repeatedly both during and after business hours from different phone numbers beginning around XXXX XXXX. 
XXXX. Company would reach voicemail and leave no message. 
XXXX. When I finally answered the unknown number, Company would not provide information about the Company, but demanded information, including PII from me. Company did say that they were part of XXXX unknown to me. 
XXXX. I initially refused to provide unknown Company with personal information, and asked for Company to provide partial information to verify that they had me as the proper contact, and to reduce the threat of fraud. Company refused. 
XXXX. I asked to speak to manager, who validated that they do not provide information until they verify my identity. Company would not provide type of business, or any other information on demand. After working in compliance, I knew that this seemed like a violation. 
XXXX. Despite feeling wrong to do so, I felt so much pressure that I provided enough personal information to the company that they told me they were a debt collector. 
XXXX. Company could not tell me where the debt originated, or from what purpose. 
XXXX. Company told me that I owed a significant principal balance, and that I was overdue. 
XXXX. Company told me that if I did not make a payment they would report negative credit. 
XXXX. Despite feeling uncomfortable, I decided to pay the amount they demanded to avoid negative credit impact. 
XXXX. Company required additional PII, including social security number and then payment information. 
XXXX. I paid 'past due ' balance, verified address and contact information, despite never knowing where this loan originated. I can not find the charge to my account -- anywhere. It is either mislabeled, parsed into smaller payments, or never happened. 
XXXX. Company never provided reasonable information despite asking, demanding, escalating my issues, and representative admitted to knowing that the order of events did not make sense. 
XXXX. As of today, Company claims I owe {$2800.00}, claims I am {$150.00} past due, and has submitted negative credit reportings creating a very significant XXXX point decline in my overall credit score. 

I made the payment, and never had a clear explanation of where the loan originated from, or the circumstances under which I assumed any type of financial relationship with SIMMSXXXX. Since providing all PII, I am now receiving bills with late fees, with nothing more than dollar amounts. The bills do have notices of CFPB protections. Most recent paper bill arrived XX/XX/22, with a notice that payment was due XX/XX/22. The bill also includes a notice that states I may owe more than what is reported on bill day-to-day. 

The payment methods of this Company were deceptive, exclusive, aggressive, threatening, and confusing.
Product: Vehicle loan or lease

My monthly payment of {$300.00} for my lease was on XX/XX/21 with a XXXX  day window to make a payment - I have never made a late payment to XXXX and have always been a loyal customer to them. At the time, my XXXX  goXXXX XXXX  with XXXX and I was responsible to care for XXXX and our XXXX. A few days later I got XXXX myself and was very XXXX. Not long after that, my XXXX got it too. We went to my XXXX house to have some help and to be taken care of and at the time, unbeknownst to us, XXXX had sent a letter to our apartment saying our payment was almost due. On day XXXX I received a call from XXXX saying my payment is over XXXX days due ; while I was still on the phone with the rep. I made the payment. Meaning on day XXXX the payment was made and received by XXXX. 
Despite my families XXXX of the XXXX, XXXX immediately reported me to all credit bureaus and DROPPEDMY SCORE XXXX POINTS! This could not have come at a worse time as we are on the market for a house and a good credit score is vital. After calling them numerous times to sort this out with me, they repeatedly refused to help me. I called to ask to speak with the manager and was told all managers were in a meeting and I would get a call back. I never did. I was yelled at over the phone and received awful customer service. I normally wouldn't take the time out of my day to submit a formal complaint, but I had to make an exception for this. Every representative I spoke to was robotic an unpleasant over the phone. They offered no help and no explanation other than " we have to report you and we can not help ''. I am ashamed to be leasing from XXXX and do not plan on being a customer of theirs in the future.
Product: Credit card or prepaid card

I have tried to make my payment for my comenity bank credit card for the past few days. I tried on XX/XX/22, XX/XX/22, XX/XX/22 and now today XX/XX/22 ( which is the due date ) the only response I receive is that they are undergoing a system update that is taking longer than expected. I tried to pay it online and over the phone with no success. I cant get through to talk to anyone either. I am very concerned that my payment will be considered late now and that it will effect my credit in a negative way.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

DEAR TRANSUNION LLC & ALL REPORTING SERVICES According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a Fraudulent account I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
1. XXXX XXXX XXXX IT HAS BEEN RE-AGED AND IM NOT AWARE OF THIS BALANCE SO PROOF OF CONTRACT WITH MY SIGNATURE AND ORIGINAL DATE OR REMOVE.
Product: Consumer Loan

I had a auto loan with Wells Fargo Dealer Services for a XX/XX/XXXX XXXX. I traded the XXXX in for another XXXX and the trade-in dealer requested a payoff quote from Wells Fargo on XX/XX/XXXX. I had a payment due to Wells Fargo by XX/XX/XXXX for the XXXX. After completing the transaction for the new vehicle the XXXX paid Wells Fargo over {$40000.00} for the payoff on the XXXX on or before XXXX XXXX, XXXX. On XX/XX/XXXX I get a call from Wells Fargo saying that I had a past due balance of {$46.00} that was 20 days past due. My next payment would n't have been due until XX/XX/XXXX. I told the Wells Fargo servicing rep that she received a payment of {$40000.00} in XX/XX/XXXX and there is no way that I have a balance past due. If the payoff was short that is XXXX thing but nothing is past due. She advised me that they do n't count the {$40000.00} payment that came in on the loan when considering past due amounts which is totally ridiculous. The rep at Wells Fargo 's name was XXXX and her ID was XXXX. She was rude and refused to answer my questions or pass me to someone who could have further dialogue about the incorrect past due balance. She intentionally made false statements in her communication with me in an attempt to collect the remaining {$46.00} dollars outstanding on the payoff of the vehicle.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 a secured loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), an collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( private ) and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( # private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

ERS in XXXX New York collection agency calls my parents home everyday. They ask them to quit calling everyday and they continue to call. They told mother it was a legal issue. She was recovering from a XXXX XXXX and they continued harrasing her every day. She had another XXXX XXXX and passed away last month. They still continue to call and harass my sick  father now. Every day they tell them I am XXXX years old and don't live there. My father even gave them my number and they still call them. I called them today and they told me it is not illegal to contact them repeadetly after asking not to call.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from " XXXX '' offering a 0 % introductory APR for 6 months for the PayPal Cashback MasterCard. 
I applied the same day and was approved. 
For my surprise, the first statement came charging APR. 
I called the number that is on the card : XXXX. Apparently this number is from Synchrony Bank. They told me to contact PayPal, since not was showing in the system.

I messaged PayPal through the Help Center and they informed that I needed to contact the same phone number that is on the card, that is from Synchrony Bank.
Product: Debt collection

Thank you for your recent contact dated : XX/XX/2019. 

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle with XXXX XXXX XXXX XXXX The vehicle was traded in. XXXX XXXX XXXX XXXX XXXX late payment on my credit which would not be possible because it was traded in and paid off. I later found out that XXXXXXXX XXXX XXXXXXXX did not place a proper lien on the title when I initially purchased the car nor did they respond to the payoff request from the dealership, so the check had been issued but the bank didn't acknowledge the payoff, thus reporting in a late payment being reported to my credit in error.
Product: Money transfer, virtual currency, or money service

I wish to submit a complaint. A Bank of America customer representative informed me that I could deposit a check not in my name, provided that the person named on the check endorsed it alongside me, assuring that it would clear after a brief hold. However, Bank of America rejected the check despite it being issued by their bank. The other individual named on the check contacted Bank of America XXXX, the check 's source, and was advised that it should clear in my account, which did not happen. I request a written explanation for this denial. If there is no policy supporting this denial, I request that the funds from the check be deposited into my account.
Product: Vehicle loan or lease

I established this loan in XXXX and have always made my payments through my bank with electronic bill pay. On XX/XX/XXXX, I sent two payments that have never been applied to my account. I have been reported to the credit bureau as being delinquent since XXXX and they harras me continuously even after I have sent them proof of the payment. I have contacted them at least ten times regarding this and each time I am told the supervisor is unavailable and they will call me back and it never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing XXXXXXXX XXXX XXXX. Did not receive any mail notifying of any account. Tried contacting company by phone only get recording. Not My account.
Product: Debt collection

Hi, XX/XX/XXXX I sent a Debt Validation to a collection agency the name Jefferson Capital systems LLC, asking to verify an account that I am been receiving calls and letters from the agency. 
This was my request : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. 
I attached the letter that I submitted with the Proof of Received from the Company.. 
Also I attached the respond of the collection without validation of what I request as you see is just piece paper with out my signature. The mention that status of limitation is until the laws allow them to do it, they did not sent me any proof that I agreed to pay the collection or agreed to sold the account, did not send me that they are license on my state. 
But they did a false statement at the credit report showing that past due on the account was the day that I contact them. XX/XX/XXXX when the document shows different date XX/XX/XXXX, also the open account date shows XX/XX/XXXX when the document shows XX/XX/XXXX. Balance shows {$3100.00} the documents shows {$3300.00}, the phone number on file does not belong to me. 
Please note that I never accepted that I own this account. 
If you please investigate the issue I really appreciate all that I mention to you I attached the documents.
Product: Credit reporting or other personal consumer reports

I was in VA Covid Forbearance with my mortgage for all of XXXX. In XXXX of XXXX, I was approved for a VASP loan modification on my home through Carrington Mortgage Services. Therefore I technically missed no scheduled payments and have followed Carringtons instructions every step of the way. Ive now made a trial plan payments as instructed for XXXX & XXXX, with XXXX being the last one before theyll move forward with processing the new loan modification. My latest XXXX reports showed a XXXX point ding on XXXX XX/XX/XXXX for delinquent amount I am also currently XXXX to XXXX until XX/XX/XXXX. This has become a nightmare scenario. How does the reporting work? Are they legally required to report that to you? Are the credit score companies the ones requesting it? Or is it just at random from month to month? Does that big of a negative credit ding seem correct/appropriate to you and am I to expect to come home to an ungodly awful credit score because of this VA home loan modification? Please & Thank you for any help or answers you can provide.
Product: Debt collection

XXXX XXXX XXXX is charged me for a television service that they falsely advertised and did not hold up their end of the bargain. I was signed up for all three services with them telephone, television, and internet. With this bundle package they were suppose to issue me a gift card for the first month of service and signing up with them for {$150.00}. I co reacted them on numerous occasions about the gift card to cover my first month of services and they never issued or acknowledged my complaints or concerns. I canceled the contract and they charged me and attached it to my credit report. I didnt have the service all of 2 months. I also paid the amount they were requesting to have the mark removed from my credit report and its still there almost 5 years later. My contract was canceled because I felt they lied to me and mislead me to order their services and didnt follow through with their obligations.
Product: Credit card

In XX/XX/XXXX, I disputed fradulent charges by XXXX on my credit account that occured in XXXX. These charges were fradulent because I did not receive the services for which the charges were for. There were two fradulent charges for the same exact reservation for {$1200.00} and {$1000.00}. 

As of today, XX/XX/XXXX my billing dispute is still not resolved after countless calls, emails back and forth, collecting of evidence, and more. 

Furthermore, I recently called Citibank this week and they told me it is too far past the date of the transaction to continue the dispute, when it has been actively been disputed since XXXX. Every request for information or evidence from Citibank, I have responded to. 

It is absolutely ridiculous for a dispute process to not be resolved after almost XXXX  months from the transaction date. As a consumer, I did everything in my power to ensure this process went as smoothly as possible. Citi Bank has totally failed me as a customer, and made me lose trust in them, as they did not appropriately protect me from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau refused to removed a wrong credit charge by XXXX XXXX from my credit report. I have addressed this issue with XXXX through Judge Advocate General ( JAG ) of the United States XXXX. I closed the account that I opened and paid it off when I was going to go on permanent change of station. XXXX XXXX had fraudulently used my information to open several accounts without my knowledge and they want me to come and pay for the accounts which I did not owe. 
Other credit bureau have removed this information from my credit report but Experian has refused to remove it.
Product: Credit reporting or other personal consumer reports

I have sent a dispute to this company in XXXX and in XXXX and received no response from the credit bureau. I contacted some of these companies directly and they have removed the account off my credit report and closed the accounts that do not belong to me. I sent this information along to the credit bureau and they refuse to remove it off my credit reports. I also sent a dispute back in XXXX all via mail and receive no response or updates from the credit bureau. They are reporting incorrect information that they refuse to remove and this is a violation of my rights.
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 XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number: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: Mortgage

We are trying to close a line of credit that we never used or had a balance on. We have called XXXX to cancel so Huntington will not charge us {$60.00} fee to renew. We dont want to renew. They make us wait XXXX minutes now for the third time to try to cancel. The last mortgage agent was extremely rude and put us on hold XXXX minutes to speak with his supervisor we finally just gave up. Please help us. We want to cancel our account we are afraid they are going to hurt our credit because of the renewal fee. The account was open for XXXX years and has expired. It should be cancelled and we should not be charged
Product: Mortgage

Navy Federal denied me right to my credit after a hard inquiry was place on my credit profile which proves there was a draw on my account. This constitutes as discrimination and unauthorized use of my social security credit card. Furthermore Navy Federal has the ability to use my application as collateral and reap income according to Federal Reserve 16. This application was given as accommodation for I was denied therefore not receiving any accommodation so NAVY FEDERAL is in violation of UCC 3-419 & UCC 3-303 .
Product: Mortgage

In early XXXX of XXXX  I changed my home owners insurance to XXXX. 

XXXX XX/XX/year> I received a notice from XXXX that mccue has yet to pay my insurance bill. I then contacted mccue and asked for an explanation. 

Late XX/XX/year> mccue never answered XX/XX/year> I received an email from XXXX stating that for a second time mccue has refused to pay my insurance bill. In XXXX they will cancel my policy. 

In a clear violation of our mortgage agreement mccue is refusing to pay my insurance premium.
Product: Credit reporting

Transunion has mailed a paper copy of report in response to CFPB # XXXX.In their response, regarding inaccurate/incomplete reporting of FIRST XXXX XXXX # XXXX that the date of first delinquency is " reporting '' as XX/XX/XXXX.SEE ATTACHED REPORT, THE DATE OF 1ST DELINQUENCY IS NOT REPORTING. 
also the amount of payment received on XXXX/XXXX/XXXX, the date of last payment was {$12.00}, not XXXX, as reported.THE PAYMENT TABLE does not portray the date of 1st default, or subsequent delinquencies or that the chargeoff date is 180 days from the first default. 
BY THIS INCOMPLETE /INACCURATE REPORTING BY TRANSUNION , my credit is not fairly and accurately portrayed in violation of FCRA. 
IN ADDITION, THE XXXX DOLLAR BALANCE, PAST DUE, AND HIGH BALANCE IS FRAUD BY THE CREDITOR.THAT AMOUNT IS EXCESSIVE AND ILLEGAL ACCORDING TO THE XX/XX/XXXX CREDIT CARD ACT.IT IS EXCESSIVE BY LAW RELATING TO ALLOWABLE PENALTIES AND INTEREST BY @ XXXX DOLLARS.