23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have 3 credit card accounts that I accumulated late fees due to XX/XX/XXXX XXXX making my payments late. Two of these waived the fees and I thought that meant it was WAIVED period. I then deducted the fee amount and paid the balance required for the month. I contacted all 3 and the 2 I tried resolving said, even though I said I was never told such, the fee and interest to boot is applied to my balance thereby increasing my next month 's payment substantially. These 2 accounts are one with Walmart and one with XXXX XXXX. Synchrony Bank at this time is looking into the Walmart account. The XXXX XXXX is XXXX who specifically said only 1 waiver a yr can be. I sent a letter to their dispute office ( md. ) on XXXX and never received a response. I spoke today with them and there are no phone # 's to reach anyone, I was told to do what I had to. I have several traumatic XXXX XXXX and receive limited income on the 3rd of each month and mail all bills the same day or a few days ahead, but dated the 3rd. If an individual is consistent and I also changed all payment due dates as well to avoid any issues in the future, and can not pay a late fee, how can they then pay an additional one plus interest that these companies decide will be added to the balance, but still increase a person 's monthly amount due. I never in my life heard of such a thing, if a courtesy was given a late fee was removed PERIOD, I am not sure what this type of thing is that is being done but it scams people out of more money and they are not giving their consumers any courtesy. I find this to be not quite fair or above board. I would like some assistance please as my ability to afford such is simply not there. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

TO WHOM IT MAY CONCERN, I HAVE RIGHTS WHICH YOU CONTINUE TO OVER LOOK! You the credit bureau are also a debt collector! And are in violation of my rights as a consumer! The FTC will be made aware of this also! For your deliberate abuse and malicious intent to not scrutinize the law carefully, I will be forced to take Federal Action! If I've told you ONCE I shouldn't have to tell you over and over again! This is my LIFE are you really doing your JOB? " SCRUTINIZE 15 USC 1681 ( a ) ( 3 ) ( 4 ) very carefully ''! You must not know who I am, and how much power I actually have! 28 USC 3002. The United States is a Corporation that I am not a citizen of, BUT A CONSUMER and also an administered agent according to 15 USC 1602 ( o ). Now the term Consumer means any natural person obligated or " ALLEGEDLY '' obligated to pay any debt. 15 USC 1692a ( 3 ). Under the FDCPA I want you to Validate any debt you say I have on my CONSUMER REPORT! There is abundant evidence of the use of abusive, deceptive and unfair debt collectors. Which you happen to be one of! There are no laws in place for debt, the only law is to protect me the CONSUMER from debt! 15 USC 1692g ( c ) ADMISSION OF LIABILITY. The COURT can't say I owe it if I say I don't! So who else can say I do ... YOU? NO ONE!!! PROFF THAT A DEBT COLLECTOR CAN NOT VALIDATE A DEBT. I am the original creditor and consumer, security interest secured my obligation. The term credit card means any card or other credit device existing for the purpose of obtaining money! So my social security card is also a credit card, with an INDEFINITE amount! 15 USC 1602 J. TRUTH AND LENDING OPEN END CREDIT PLAN! Social security cards belong to the social security administration. I give it back to them at there request. So there for I'm just an administered agent, I DON'T OWE ANY DEBT! 18 USC 8 will provide that information to you. Again, REMOVE ALL DEROGATORY MARKS FROM MY CONSUMER REPORT AT ONCE! REMOVE ALL XXXX  XXXX {$680.00} {$580.00} {$550.00}. REMOVE XXXX XXXX  {$2600.00}. REMOVE XXXX XXXX {$1100.00}. REMOVE XXXX, XXXX XXXX XXXX {$910.00}. REMOVE XXXX XXXX {$230.00}. REMOVE XXXX XXXX XXXX {$7300.00}. REMOVE ALL XXXX XXXX {$280.00} {$240.00} {$290.00} {$240.00} E.T.C. SO LET IT BE WRITTEN, SO LET IT BE DONE!!! P.S THIS IS NOT A GAME ... THANK YOU FOR YOUR CLOSE SCRUTINIZE OF THIS MATTER!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i & 1681e. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be. available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with me full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters. from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. You are rejecting my letters and I have stated via mail & phone with your XXXX representative about my letters are created by software. You are not abiding by the US LAW. Process Attachments and Delete the Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX  account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX bank have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.
Product: Checking or savings account

This is a continued complaint from me from prior incident with usaa. My checking account was hooked up with usaa and XXXX  to make direct payments on my credit card since XXXX with representative XXXX my account has been over are normal expenditures for 2 years I want the money taken from my checking account back. It amounts to an outrageous amount since argument with rep. 2 or more years of stealing from my account
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and they are holding the money that I made legally for no reason. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history will reveal 0 chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$1000.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account.
Product: Debt collection

I am writing to address the presence of inaccurately reported fraudulent accounts on my credit report and to request their immediate and aggressive removal. I have been the victim of identity theft, and it is perplexing why the other credit bureaus have promptly responded to my requests while yours seems to be unresponsive. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I was in the remodification process with my previous mortgage company, XXXX. My loan was sold to SPS. I was not aware of this until I recieved a letter nearly 6 weeks after the purchase. As soon as I was aware, I reached out to SPS to let them know I was in the remodification process with XXXX, and to see how I could proceed. They told me that they would continue to process, and that the could use the information and forms from XXXX. That was the case until late XX/XX/XXXX, when they told me that I would have to start the process all over, using their documents and paperwork. 

I got started on this in XX/XX/XXXX, knowing that there was a sale date for my property soon. It had been a long time since I started the remodifciaiton process. The original housing agency I was working with ended up closing, which forced me to do this on my own with XXXX. 

SPS said to get my packet in before the XX/XX/XXXX, and they could postpone/stop the sale until my remodification packet was reviewed. Even if it was n't correct or if they needed additional information, they could get that later, but that it was most important to get it in. I did, and spoke to someone at SPS on XX/XX/XXXX who told me that paperwork was sent to the attorneys to postpone the sale. Since XX/XX/XXXX I spoke to SPS on several occasions as they needed different paperwork and documents. 

On XX/XX/XXXX I received a letter via mail that my property had been sold on XX/XX/XXXX. This was baffling to me because I was told the sale had been postponed, and because I had spoke to SPS multiple times since then. On XX/XX/XXXX I spent the entire day talking to SPS, HUD, my Housing Agency ( Transitions ). On XX/XX/XXXX, my final call with SPS, I was told they were putting in an escalation to have the sale resended, as it should not have been sold, and because my remodification was still under review. Additionally I was informed that XXXX sold it, and bought it, so it was still with SPS. I was advised to call every few days to check for updates, which I did. I was originally told that it would take 10-14 days for and update or action. On XX/XX/XXXX I was told that it would actually take 4-6 weeks. When I called on XX/XX/XXXX it was as if the escalation never took place. SPS told me the escalation to resend could not move forward without HUD 's approval. HUD made clear this was an issue with SPS and they could and should resend it and allow the remodification to be reviewed. Both HUD and my Housing Agency suggested I contact you, the attorney general, and an attorney as they felt like SPS had n't gone through the correct process, and had not communicated with me, and sent me around in circle. 
Additionally, SPS has NEVER, EVER reached out to me. I have never, ever spoken with my assigned relationship manager. They only communication I have had with SPS is when I call them, even though I have made perfectly clear that my number is and independent, private number where they can leave a message. SPS has never reached out to me. And, I get conflicting information every time I called.
Product: Debt collection

I had two collections added by Common Wealth in XX/XX/XXXX. I did not receive a letter notifying me of the collection accounts until XX/XX/XXXX after the accounts were added to my credit reports. ( attached ) I sent full validation requests to validate the debts on XX/XX/XXXX and have not received proper or any validation of the following debts. The debts are both scheduled to fall off in XXXX and XXXX of this year, but I am challenging their violations. I did not receive notification of debts being added to my credit reports until after they had been added, in addition, this creditor has not validated the debts. I am submitting this dispute for those violations in order to have these debts removed.
Product: Debt collection

The company is billing me for the amount that the insurance company considers a discount and the amount is not owed by the patient. The patient paid the {$150.00} hospital deductible at the time of service and that was the only amount owed. Paid in full to XXXX XXXX in XXXX XXXX. The EOB confirming this information will be attached to this complaint.
Product: Debt collection

This cause of action is for damages based upon Portfolio Recovery deceptive conduct and efforts to collect a debt, Portfolio Recovery failed to comply with the fair debt collection practices act ( FDCPA ), section 15 U.s.c 1692c, governing communication between a debt collector and consumer without my prior consent from the consumer, caused I, XXXX XXXX to be subject to deceptive and unfair debt collection practices by way of causing my reputation to be defamed due to Portfolio Recovery extortionate means to collect a debt. I am bringing this notice to Portfolio Recovery attention to demand that you immediately cease all communication with me regarding the alleged debt you are attempting to collect, and to inform you that you are in violation of the fair debt collection practices act 15 U.S.C 1692c by way of governing communications between a debt collector and a consumer without the prior consent from the consumer, and in violation of 18 U.S.C 892 by way of gaining extortionate means to collect a debt by extortion of credit. Under the FDCPA, debt collectors are required to obtain prior consent from consumers before communicating with them regarding a debt. You have failed to obtain such consent from me, and as such, your attempts to contact me are in violation of the law. I demand that you immediately cease all communication with me regarding this debt, and that you provide written confirmation that you will no longer attempt to contact me through any medium, Furthermore, you have violated 18 u.s.c 892 by attempting to collect this debt through extortionate means. Specifically, I believe that you have threatened to harm my credit score or take other actions that would be harmful to me in order to pressure me into pay this debt. This behavior is illegal and unacceptable, and I demand relief and that you cease such practices immediately. If you fail to comply with my demands, I will be forced to take legal action to protect my rights. I reserve the right to seek damages and other remedies under the law. Please confirm in writing that you have received this letter and that you will cease all communications with me regarding this debt. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Student loan

In XXXX XXXX XXXX I was placed on the SAVE plan through StudentAid.gov and my loan servicer, EdFinancial. 

In XXXXXXXX XXXX, I submitted a Borrower 's Defense claim through StudentAid.gov. 


I was incorrectly placed on Administrative Forbearance through my loan servicer, EdFinancial. Even though my paperwork in the attached video below clearly states I requested to NOT be pplaced on Administrative Forbearance. 


On XX/XX/year>, I called ( and recorded ) EdFinancial and spoke with a representative who told me that this was a clerical mistake and that the interest that had accumulated on my account would be waived. 

On XX/XX/year>, I called ( and again recorded ) EdFinancial and spoke with a different representative who told me that the interest would not be waived. 

I have been given misinformation multiple times from this loan servicer that has now affected my financial situation.
Product: Debt collection

I am disputing this medical debt that is not mine with local company, Carter-Young. I have tried reaching out to them s few times to resolve this situation. The last attempt to clear this misunderstanding was via mail requesting proof to show proof that this medical bill is mine. They responded via mail with a single patient ledger and nothing more. This is not my debt and I would like it removed from all three credit bureaus immediately.
Product: Credit card

On the XXXX of XXXX XXXX, I was informed via email about the closure of my cred.ai account. In pursuit of clarification, I promptly sent four emails that very day. On the subsequent day, the XXXX of XXXX, I dispatched a formal email, explicitly requesting a response within a 24-hour window. Regrettably, I received no correspondence in return. After the stipulated time had passed, I issued a follow-up email detailing my intentions going forward, which also went unanswered. 

Subsequently, I lodged an official complaint with the XXXX XXXX XXXX ( XXXX ). After a fortnight, they replied, claiming to have sent an email on the XXXX of XXXXXXXX XXXX However, I have no record of such communication. While they suggested I could seek information via a phone call, I emphasized, through the XXXX  my preference for a written explanation. As of now, I am yet to receive any form of communication from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified letter to Experian that was delivered on X/XX/17 challenging collection accounts on my report. Received no response from Bureau.
Product: Credit reporting or other personal consumer reports

In accordance with The fair credit reporting act Total number of XXXX DEPT OF ED / NELNET accounts Closed on XX/XX/2020 has violated my rights 15 u.s.c. 1681 section 602 A states I have a right to privacy. 15 u.s.c. 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions. This company was unable to furnish me with my original contract these accounts should not be reporting I have never attended school or signed up for any loans for college these accounts are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX Suntrust DBA Lightstream XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Portfolio Recovery Services has continued to pursue me over a credit card debt that along with many other was discharged in a bankruptcy proceeding. I have disputed the {$660.00} claim numerous times through the credit bureaus and PRS continues to provide false statements as to the validity of the debt. I am trying to buy a new home and at the advisement of my lender, decided to pay the debt in order to bolster my credit rating. Even though I have paid the debt in full ( which I believe strongly to be bogus ), they have not properly reported the collection as " closed '' to the credit bureaus and continue to report it as an open balance of {$660.00} and continue to call me to pay the debt. I recently read that this company ( Portfolio Recovery ) was ordered to pay back XXXX of dollars due to unethical practices, which lead me to file this complaint as I believe I am also a victim.
Product: Credit reporting or other personal consumer reports

Recently I filed a complaint against Nordstrom/TD bank about a charge off showing on my credit report here with the CFPB. The company responded and their response is still a clear violation. Nordstrom 's response states they are reporting all information accurately to the 3 credit bureaus but I found several inconsistencies myself. Thoses inaccuracies include : 1. Nordstrom is reporting diff last activity dates to all 3 bureaus ( so in other words they are reporting different information monthly to 3 separate parties how is that accurate? ) 2. Dates the account was opened is consistent on 2 bureaus but diff on 1, is that accurate?

3. Under notes for XXXX it says charged off as a bad debt. XXXX says Unpaid balance reported as a loss by creditor and XXXX says Consumer disputes after resolved and charged off. Nordstrom says I don't qualify for a 1099-C, cancelation of debt form, because the balance is still owed- Then why are they reporting to 1 party that they wrote it off as a loss? Does that mean they got a tax break for it or filed a claim with their insurance company? It sounds like charged off means canceled by IRS definition and Nordstrom is deceptively trying to still collect money from me they recovered and I'd like to know if that is the case. Also, ALL notes reported to each bureau say something DIFFERENT so contrary to what Nordstrom believes they are NOT reporting accurate information they are reporting information damaging to my character and deceptive to any potential lenders. 

Then under monthly reporting they are consistently reporting to ONE bureau this is a Charged off account EVERY month. How many times can an account be charged off? 


Under the FCRA if any information is not 100 % ACCURATE it must be removed. I am demanding Nordstrom remove this account from my credit