23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

- My employer XXXX contributes {$170.00} a month towards the principal of the debt ( I am responsible for interest ) - Since XXXX, only part of this {$170.00} is being processed ( {$90.00} in XXXX, {$100.00} in XXXX, {$98.00} in XXXX etc ) despite it saying {$170.00} is being sent on the XXXX XXXX - I have tried paying the balance XXXX times, it doesn't accept my payment. I get an email " participation in XXXX has been removed '' and on Mohela 's website it says " Payment reversal '' - As a result of the full {$170.00} not being processed and my payments being rejected, the interest has compounded ( I tried paying {$390.00} on XX/XX/XXXX, it was reversed, back on XX/XX/XXXX my payment was {$9.00} ) - I have emailed Mohela twice, tried calling them earlier this week. Was put on hold for XXXX hours, the agent was in training and couldn't help me so she redirected me to a different agent. The wait time was XXXX hours ( it was XXXX ). When I filled out their online form, it says it " doesn't accept requests at this time '' After reading this resource, I see familiar issues ( call deflection scheme, XX/XX/XXXX payments not being processed, backlog of XXXX requests ) https : XXXX I'm not really sure what else to do at this point, this has been extremely frustrating
Product: Debt collection

Just looked at my report and see this account I there never had a right to dispute letter and never was notified of the debit in question I did have uscell but it did n't work in my area so I cancelled itunder fair credit report act I must have right to dispute letter before posted on my report this had broken the fair credit act
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please delete/remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX XXXX : {$110.00} XXXX  XXXX XXXX XXXX : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$130.00} XXXX  XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$200.00} XXXX  XXXX XXXX Balance : {$100.00}
Product: Vehicle loan or lease

I had car loan with Ally Financial. It was for XXXX XXXX XXXX, which was paid off in XXXX. I have received the refund check in the amount {$280.00}. I misplaced the check, which means I did not cash it. However, I called Ally Financial and requested from them to re-issue the check. They promised to mail XXXX in, and made sure they have my current address of XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX. They failed to mail the check. So I called today again XX/XX/XXXX, and after speaking with the representative she advised that I need to be transferred to bankruptcy department. I asked why, since I did not file for the bankruptcy. I was unable to understand what she said due to poor XXXX. However, after she tried to transfer me, someone hung up on me. Ally never attempted to call me back or anything. Can you please help me getting my money bank, and making sure that my old and current accounts are not flagged for something I did not file for? 

Thanks Sincerely, XXXX XXXX
Product: Debt collection

I was sent a collection letter for a vehicle that was impounded for unknown reason. I told them I sold the vehicle years ago and submitted the bill of sale to the dmv. The actual date i sold and sent the bill of sale to the XXXX department of motor vehicles was XXXX XXXX and they insist i owe them for the storage of this vehicle. This company continues to call my place of employment after being told not to call. I wrote a demand XX/XX/2023 for information letter and they sent just a receipt from the towing company. Date of response XXXX XXXX with no supporting dmv lien documentation. I also sent a cease and desist letter On XXXX XXXX, 2023 that was ignored and they continue to send me collection letters with a treats to take legal action. I then received an additional collection letter date XXXX XXXX with more lclaims of legal action.
Product: Mortgage

I requested an escrow waiver agreement from my mortgage provider and learned there would be a {$510.00} fee attached if I no longer wanted them to collect the monthly escrow fee. When I questioned XXXX XXXX at Aimloan ( XXXX ) I was told this is standard procedure. Is this truly the case?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX ( a ) ( i ) ( A ), Can you please reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX acct XXXX   XXXX, XXXX XXXX  crXXXX XXXX  acct XXXX   XXXX, XXXX XXXX  XXXX XXXX acct XXXX  XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX  XXXX acct XXXX XXXXXXXX, XXXX XXXX XXXX XXXX acct XXXX  XXXX, XXXX XXXX XXXX  acct XXXX XXXX, XXXX XXXX acct XXXX XXXX, XXXX acct XXXX  XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX  acct XXXX XXXX, Hard Inquires : XXXX XXXX XXXX , XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX , XXXXXXXX XXXX , XXXX XXXX/ XXXX ,  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX iXXXX XXXX , XXXX XXXX XXXX , XXXX FXXXX 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 XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX ,
Product: Debt collection

FRAUDULENT use of my identity UCC CODE 1681 ( a ) ( b ) Late payments of prepaid account
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX placed a inquiry on my credit report and I did not apply for credit from XXXX ever! 

On XXXX SYNCB/AMAZON XXXX  , placed a inquiry on my credit report and I did not apply for credit from SYNCB/AMAZON before . 

On XXXX XXXX XXXX placed a inquiry on my credit report and I did not apply for credit from XXXX XXXX before. 

On XXXX XXXX XXXX placed a inquiry on my credit report and I did not apply for credit from XXXX XXXX before.
Product: Debt collection

On XXXX I sent to XXXX XXXX XXXX  via mail with return receipt a letter stating all communication to be done through XXXX. Also asking for debt validation. I received a response from them. No further communication has been done because I dont owe them this debt I have no contract with them. In XX/XX/XXXX i made a dispute with XXXX about incorrect data reporting on this account. On XX/XX/year> at XXXX XXXX I received a phone call from their office. They are In violation of my consumer rights. I called them back just to verify that the telephone number was indeed their number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital One business credit card that is improperly reporting to my personal credit. All business credit card companies do n't report your business credit to your personal credit. That is why there is XXXX XXXX XXXX XXXX for business and FICO for personal. My business is totally separate from my personal and the two should not be intertwined. I have a real estate business that requires me to hold large amounts of debt for sometimes months at a time, then the cards get paid off when a home sells or I refinance. Having a large balance does not affect my paydex score since you do n't get penalized for having high balances on credit cards with business. You do, however, get penalized when it is a personal card. I had excellent personal credit ( XXXX ) and was wondering why I received an e-mail one day from my credit monitoring service stating that my score significantly dropped. I could n't figure out why until one day I pulled my credit and saw that my XXXX was through the roof! Capital One was reporting my business card on my personal credit! This has adversely affected me on the personal side and has not allowed me to get the best rate and terms on my personal loans. I even got denied from an online lender which never happens! When I called Capital One and told them to stop reporting my business to my personal credit report they were extremely rude about it. Their answer was that they can pretty much do whatever they want. My answer to them was just because they have n't gotten sued yet over this does n't make it right. These people need to be stopped! If they do n't comply there will be repercussions. This is wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is XXXX because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and XXXX  because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Product: Credit card or prepaid card

Recently I would say about 2 months ago american express lowered my credit limit on both of my accounts about XXXX dollars total and they lowered to an amount which made me XXXX dollars from the new limit of credit when I called and inquire about why I was told because I was making the minimum payments a month which make no logical sense to me. I feel american express purposely tried to put me in a financial crisis for paying the minimum they set a month I have never had any missed payments due to them lowering my credit limit on both my personal and business credit accounts it has put me in a financial situation now im way over my 30 % and now the minimum payment have went from XXXX dollars to XXXX dollars. I am currently in the process of finding a lawyer because I will be be taking legal action against this it was no reason for my credit limit to be lowered placing me agian over my 30 % and now it's affecting my XXXX XXXX
Product: Credit card or prepaid card

I CLOSED THE CREDIT CARD ON XX/XX/2019. ON XX/XX/2019 A MERCHANT REFUNDED {$480.00} TO THE CREDIT CARD. THE CREDIT CARD COMPANY SAYS IT HAS NO RECORDS SHOWING I EVER HAD THE CREDIT CARD WITH XXXX  CREDIT CARD NUMBER, EVEN THOUGH IT SHOWS UP IN MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

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

This collection is showing as inaccurate on all three of the credit bureaus. I do not appreciate this information showing as incorrect.
Product: Student loan

I have 4 student loans that i literally have no knowledge of so i called the department of nelnet and was told to fill out fraud docs and nothing happened im sure these are not my loans i never XXXX  XXXX XXXX in order to get college loans so they are not mine... so i filed a bankruptcy and they were included in my XXXX Bankruptcy discharge and they were taken off my credit report and i was so happy but for some reason they keep jumping back on my credit report since XXXX has now made easier to have federal student loan debt discharged in bankruptcy and because the loans aren't mine why do these loans keep coming back?
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I'm urgently requesting your intervention to expunge the fraudulent inquiries from my credit report. These inquiries were not authorized by me and are causing significant distress. It's unfair for me to be held accountable for them, given that I didn't initiate or approve these accounts. I urge you to promptly address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX # XXXX Open XX/XX/XXXX and Paid Off XX/XX/XXXX company sent Tile I Traded car to XXXX XXXX XXXX 4 months later company place account back on repost as late pay or closed or paid in full or charge off 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also States a consumers reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : No Consumers reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) ( XXXX ) 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Checking or savings account

In the week of XX/XX/year>, I logged into my https : //app.juno.finance account and saw a message that " Cash services are temporarily unavailable due to issues with our banking service provider. '' Looking through their help articles and chat they said that ACH services are not available. 

I just want to withdraw my remaining cash deposits, and close my account. 

I messaged support on XX/XX/year> asking if closing my account would allow withdrawal of my money, and in what timeframe. I do not require ACH, a paper check to my address on file would be enough. 

Later that day I received a response : " Please be informed that closure requests can not be processed at the moment due to ongoing interruptions in our services. As a result, account closure requests are temporarily suspended. While we actively collaborate with our banking services provider to restore these services, we understand the frustration this situation may cause. 

Currently, we won't be able to send you your funds. I apologize for any inconvenience. '' I don't find this acceptable ... these are cash deposits in a bank account ( FDIC insured per Juno ), and not, for example, crypto that need to be sold. 

I just want to withdraw my remaining cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX   XXXX {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$64000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX CARD XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX CARD XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

A legal firm that represents the credit card company has served me papers thru the sheriff 's department notifying my right to have exemptions designated. I 'm guessing as payment. Is n't there a statute of limitations for credit card debt?
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Credit Collection Services XXXX XXXX XXXX XXXX, MA. XXXX File Number : XXXX XXXX XXXX RE : XXXX County Mutual Balance {$270.00} Dear Credit Collection Services, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act, the following accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 states I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit card

I made an ebay purchase on XXXX XXXX 2015 through paypal to the XXXX for {$370.00}. Paypal billed my paypal account associated with ebay AND my paypal credit card account. Discussions with paypal go something like this, they say to call paypal if I call the credit card section and vice versa. I suspect this is the tip of the iceberg and I am not the only one being cheated our of my money. I felt when I talked to the XXXX arms of paypal the system was rigged to never refund anyone any money.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per XXXX XXXX XXXX XXXX ( a ) ( XXXX ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under XXXX XXXX XXXX XXXX ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.