23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has contacted me several times to collect on 2 accounts that are listed on my credit report as derogatory items. 
They have indicated that the original creditor is listed as XXXX XXXX and that they have purchased these accounts. 
I have requested Verification of the original debt, as I do not believe that these are my accounts, as I currently have 2 XXXX XXXX Credit Cards That Are In good standing. 
They have sent me a letter verifying that these accounts were purchased from XXXX XXXX, and that they have the right to collect them. 
To this date, I have NOT Received verification that the original debt purchased belongs to me. 
They continue to call, even though I have asked them not to contact me again without verification of the original debt
Product: Credit card or prepaid card

I have been a Capital One customers for many years. The account ( My Quicksilver card ) in question I have had for two years, paying off my balance as I went. In XX/XX/2020 they decided to grant me access to credit limit as soon as I made a payment. In XX/XX/2020 they placed a hold on my account causing me to call in to speak with an agent. They advised the need to validate my bank account and to ensure all the payments have cleared since I made multiple like I always do. We called my bank to ensure all payments were cleared so they could remove the hold, which they did. I asked how could I avoid this in the future, did I do anything wrong? They advised no keep using the card as normal, which I did. XX/XX/2020, they placed a 26 day hold on my account which expires XX/XX/2020. I called and no one can tell why the hold was placed and no one can removed it. They covered the general criteria of why a 26 day hold would placed on my payments. The agent confirms my account did not meet the criteria and she couldn't tell me why it was placed. Spoke to a supervisor they said the same thing with the added if you make multiple payments in a billing cycle they can place a hold on your account, but for two years I have always done that. They need time for the payments to post, which I find it odd they need 26 days for payments to post to the account. I was told in XXXX I am a great customer, have access to your credit line when you hit submit on a payment. In XXXX, hey we have to validate your payments from your bank account, but don't worry now that we have done just keep using your card the same way. Now in XXXX, we have placed a hold for 26 days, we won't tell you why, the computer does it automatically, and no one can remove it. 

I am being treated as a criminal, the terms and conditions have turned into a weapon against me, and there is no way for me to fix it because Capital One doesn't want to fix it. On top of the that, my other Capital One card which I use in the same fashion doesn't have a hold on it. I have had that card for less time, they both have the same credit limit, but the Quicksilver is a rewards card. I was told to use my card as normal but being punished because Capital One is afraid to pay XXXX to XXXX cents of rewards to me, a loyal customer. I can say that with certainty since my other non rewards card doesn't have a hold at all.
Product: Credit card

I am getting harassing phone calls from morning until night. I explain to my account holder that I was lay off at my job, for about 6 to 8 mths.But my company called me back to an new department. And can they please work with me until I get back on my feet.First I needed to find me somewhere to live because I was living in a women 's shelter. I am paying them something but not the full amount, l asked if they would wave some late fees to help me but that was a NO! All the robo calls is stressing me completely out XXXX separate numbers back to back from morning to night.Last call tonight was at XXXX.Please stop the harassing phone calls.
Product: Debt collection

Exeter Finance, XXXX call me everyday, sometimes several times. They leave voice messages for someone trying to collect a debt. I have called them and told them this phone number has been mine over 14 years and they have wrong number. Please stop calling. They say they will remove, yet continue to call me everyday. 

I have never borrowed money from this company.
Product: Debt collection

I have not received All of the answers to all of my questions! First I want to know why my Payment was not excepted in XXXX of 2022? I had until the XXXX of XXXX to make my Payment. I called XXXX & XXXX of XXXX, Why did XXXX XXXX XXXX not accept my payment, Not transfer me when I had told them I had a problem with the name on the account and the payments were not behind, they did not pass on my information, they would not do anything in XXXX? Why wouldnt they transfer me & why must I repeat this again? Did you read my letter! Didnt anyone understand what I wrote! I stand by my first letter and all my letters and now I am saying I will do a deposition, swear on a XXXX in a Court of Law, Take a Lie Detector Test and Testify! My son too! I remember it all now. XXXX XXXX XXXX XXXX XXXX want to take my home. Your company assumed I owed this money & I did not! You customer service Representatives did not pass on my inquiries and did not do their jobs. You show Bank XXXX XXXX XXXX & tell me about 3rd Party Lawyers, lie about what I said dates, money amounts, and payments I made! I asked you what I want and I was not late and when XXXX took my account you did not do the work! You blame it on me! Your wrong! I stand by it all and I was unconscious in my accident and XXXX awake now! XXXX serious. I want my answers and you are refusing me and my XXXX documents! Now you are talking about the condition of my house! I talk with your representatives many times about this, no one cared? I have not been downstairs in 2 years. Each copy was XXXX cents. Its on the XX/XX/XXXX statement if you add it and you ruined my life and Im going to tell you your omsbudsman hasnt called me in 8 days, why? Never called me back? I never got my point of contact or my modification answers. I have a lot more to say! 
Ill write back because its my right. You cant steal my house because you are wrong and you hurt met my son and I. You also said you dont work with 3rd party Lawyers, why? I be waiting to hear back from you ASAP! Have a Nice Day. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX, XXXX, XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX  did their part and either updated or deleted where XXXX  has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and XXXX  on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Colorado XXXX-XXXX  on account # XXXX original creditor XXXX XXXX who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. XXXX  is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under XXXX XXXX. They violating Fair credit reporting act and should be held accountable
Product: Mortgage

DENIAL OF GUARANTEED VA LOAN TO COMBAT XXXX VETERAN : I wish to report that I was denied my request for a guaranteed home loan on XXXX XX/XX/2022 by navy federal cu. I was approved and then disapproved ( as stated by the underwriters ) that I was not qualified. Reasons provided were income debt to ratio and failure to meet occupancy. I am not certain how a barrower can " Fail '' the occupancy test without actually moving into the property. Secondly, the bank loan officer continued to ask personal questions regarding my purchase. I requested validity to the questions ( in writing ), but neither the loan officer or the underwriters responded to my request. The loan officer repeatedly called me and would NOT respond to my questions in writing. This event ( denial ) occurred exactly one week before closing on the home. I am sure that this matter is a violation under the Fair Housing Act. I will be submitting this memorandum to my Congressman and Senator. Additionally, I am seeking Counsel and will be filing like complaints with the VA and HUD. I eagerly look forward to hearing from your office. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX )XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act these XXXX  accounts depreciates my value. 

I demand they be removed. This includes : XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I received information that my loan has been sold to Wells Fargo. When trying to log in online, it is requiring me to consent to a Online Access Agreement. A number of things in this agreement do not make sense and i am trying o get clarity on what they mean. I have called the number on the document and they keep placing me on hold after i talked with three representatives on XX/XX/2020.
Product: Student loan

Navient is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but XXXX and XXXX has not.
Product: Credit reporting

I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low ( EXPERIAN ). All three reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( XXXX, XXXX, and experian ) had three different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.
Product: Credit card

I bought a TV from BestBuy on XX/XX/XXXX in the amount for {$960.00}. The TV was broken when I opened it and I went to return it. They said it could not be returned because the TV was broken which makes no sense because that is why I was returning it. I would not expect it to be legal for a retailer to sell a consumer a broken TV which is exactly what they did. It was a horrible experience and the people at Bestbuy were extremely unprofessional. I opened up a dispute with Chase Credit ( Credit card because I charged the TV ). Chase took my information and told me that Best Buy has 90 days to respond. I followed up many times which can be verified through Chase as all calls are recorded for " quality control '' purposes. Finally, in XX/XX/XXXX, I received a letter from Chase stating that the dispute was denied. I called and asked why and was informed that the depute was denied because I did n't respond to a previous letter which they said they sent. I never received a letter that they are referring to I told the representative from Chase that and asked them to resend it and they said they ca n't and they closed the case. I escalated this by emailing XXXX CEO Chase Credit Card Services ( XXXX XXXX, NY XXXX ) at XXXX and called XXXX explaining this and he never contacted me. Instead I got a call from their office and they took my information and several days later told me the same thing that there is nothing they can do. This is absolute fraud that Bestbuy can sell a broken TV and even worse that a credit card would allow such a thing. Under law Consumers are protected from banks being able to commit fraud and I would like kindly ask for assistance in resolving this matter. I informed Chase that I will be canceling my Chase accounts immediately if this is n't resolved as well as changing banks as we do bank with Chase. Please note that I have been a Chase customer for many years and this is the first time that I have had any issue whatsoever and I have close to an XXXX credit score. They said my credit will be ruined if I do n't pay for the broken TV and that is not fair so this needs to be fixed please. I can be contacted at XXXX Thank you XXXX
Product: Debt collection

I have never gone for international service and I am charge for wrong charges which was clear and explained in XX/XX/2015. And I see its yet to get close. 

its harassment.
Product: Credit reporting

I have XXXX credit cards from XXXX XXXX and XXXX that are not being added to my credit report. The XXXX XXXX card has been open for 11 months. They have confirmed that every month they report my account to Equifax, but equifax does not update my report causing my score to reflect a low score for several months now. They have said to talk to the credit card company instead of taking ownership of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and collectors, but I continued to be harassed. XXXX responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of XXXX. 
I am also a victim of the XXXX  BREACH.
Product: Vehicle loan or lease

On XX/XX/2021 I called Bridgecrest requesting a deferment. I explained I lost my job back on XX/XX/XXXX and had used my savings and stimulus payments to keep things going as long as I could ; however, I had gotten a part-time job making {$8.00} an hour. She asked me point blank, " What about your stimulus payment of {$600.00}? What did you do with that? '' I told her I had other bills to pay besides a car loan and I'd used part of that to make the last payment. I was told she could push the payment until XX/XX/XXXX, which is when another payment was due. I told her I wouldn't be able to make both payments ; they'd be lucky if I could pay the one due on the XXXX on the XXXX. She did not give me any information on deferment, state that it had to be approved, or that she was submitting the request. 

I was paid on XX/XX/XXXX and opted to make the car payment because I need transportation to and from work instead of putting food on the table. I do not live in an area that has public transit. So that left me with the payment that was due on XX/XX/XXXX. I called Bridgecrest again on XX/XX/XXXX, again requesting deferment. I read the FAQ on their website " Skip a Payment '' and understood that " Payment extensions are a service that may be offered to qualifying customers. This form of payment assistance requires account review and approval. '' I insisted on deferment and requested 3 payments be deferred to give me time to hear back from GA Unemployment and find full-time employment. The man wanted to know if I could make a payment then and there. I told him no. He wanted to know when I could make a payment and how much. I reiterated my request for deferment. He stated he put in the request, but could not guarantee it. I pointed out until this past payment all my payments had been on time. I had paid for 2 years ( minus this last payment which was pushed to XX/XX/XXXX ) on time. Most payments received before the due date. 

This morning ( XX/XX/XXXX ) I had a call from XXXX which my phone identified as a spam caller, but I answered anyway. I was on the line for about 20 seconds, repeatedly stating " Hello '' with no response before I hung up. I searched the number and found it listed as XXXX Collections. I called Bridgecrest Customer Service at XXXX and the man answering wanted to know if I wanted him to process my payment over the phone for a {$3.00} fee. I told him I wasn't calling to make a XXXX  payment. I wanted to know about my request for deferment and he said it was denied because I have an income. I told him, " Let 's do the math. {$8.00} an hour times an average of 20 hours a week comes to {$170.00} times 2 since I get paid bi-weekly comes to {$340.00} a paycheck before taxes are taken out. My rent alone is {$750.00}, electric {$200.00}, gas {$50.00}. Oh and groceries. So my math comes to {$680.00} a month before taxes - doesn't even cover rent. But you all seem to think I can make the car payment. '' He said I have income and can pay the car payment and have until the end of XXXX to get payments made before they begin to repossess the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 fraudulent inquiries on my credit report, that I reported it to XXXX XXXX XXXX, yet XXXX  XXXX XXXX  is not removing this fraudulent inquiry. The followings are the fraudulent inquiries : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XXXX / XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal 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 for 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 you 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.
Product: Mortgage

Mr. Cooper bought my home loan. Monthly there has been issues with my online payments going through. I called and was told not to use autofill because it would not work with their systems ( agent had same issue ). I have never had an issue with any other company using autofill to make payments. I deleted my payment method and manually enter my account information. I made a payment on XX/XX/2023. They reversed it without notification and charged me a {$50.00} NSF charge. I called XXXX XXXX  who does not have record of any NSF charges on my account. Mr. Cooper refuses to refund the fee because they say it is either user error or XXXX XXXX  causing the issue. Mr. Cooper wants a letter saying my account is verified. They are using the exact same account number when it goes through the second time. The fact that they are pulling from the same routing number and account number should prove that the issue is on their end. In approximately XXXX  years of dealing with different banks for home loans I have never had an issue until I had to deal with Mr. Cooper. I would like them to sell my account to a more reputable banking institution. Customer service was unhelpful and actually escalated a situation by being sarcastic and dismissive.