23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who these people are. I got a notification on XX/XX/XXXX from my XXXX app stating that I had a new collection from Jefferson Capital for a XXXX XXXX bill for {$200.00}. I have never received any previous notification from this company. I work hard to keep all my contact information up to date on my credit reports, which show my current phone number and address, yet these people have not notified me in writing or validated that this is my debt. I have had XXXX for over 5 years so I have no idea what they are referring to. It is so disgusting that these collection agencies just get to do what they want and ruin people 's credit. I sent them a certified letter that arrived last Thursday XX/XX/XXXX, and yet here they are today adding this garbage to my XXXX report despite me stating in the letter I was disputing this and to tell the 3 bureaus that.
Product: Student loan

At the beginning of the year, my loans were being service by MOHELA. I was told repeatedly I had to recertify by mid XXXX or my payments would increase. I submitted an application to change to the XXXX plan on XX/XX/XXXX. On XX/XX/XXXX, It was announced that income recertification for XXXX would be pushed back until XX/XX/XXXX. I called Mohela on XX/XX/XXXX at XXXX to cancel my application to switch my plan. I was told the application would not be processed. On XX/XX/XXXX, I received notification that my application was processed and accepted despite being previously told it was cancelled. My payment went from {$99.00} up to {$2100.00}. I sent a notification to Mohela on XX/XX/XXXX ( attached ) stating that this was done inappropriately and I would like to be reverted back. I never received any reply regarding this specifically only an auto generated response stating my account was deliquent by 2 days ( which it was not as I was on auto pay at the time- a screenshot of this is also attached ). I followed up by called MOHELA on XX/XX/XXXX at XXXX and spoke with XXXX XXXX She stated my account would be placed into forebearance and she had filed an internal IDQ to have my plan reverted back. I called to check in this on XX/XX/XXXX and XX/XX/XXXX and both times I was told it was still in process. I had administrative forebearance extended until XX/XX/XXXX. I received notification that my loans would the transition to Ed Financial beginning in XXXX. I attempted to reach MOHELA regarding this issue again prior to transfer without success. Once my account was fully transferred I spoke to a representative at Ed Financial on XX/XX/XXXX regarding this matter. She stated that she would have to escalate this and a supervisor would be calling me within XXXX hours. I never received a call back. I called again on XX/XX/XXXX at XXXX and their dedicated loan XXXX team would be looking further into this and I would have information within XXXX business days and they would call me directly. This never occurred. My most recent conversation occurred on XXXX. I let them know I never received information or a call back from either encounter. I was told MOHELA still has not sent them detailed information from my transferred account so they are still unable to assist. They also stated they are unable to place me on administrative forebearance at this time. MOHELA has not supplied them with the information to rectify this situation and Ed Financial is unwilling to place an administrative forebearance on my account while this is investigated resulting in my current balance ballooning every month. I have made my previous payment amounts from my original payment plan out of good faith. I am unsure where else to turn to rectify this.
Product: Prepaid card

On XXXX I purchased an American Express Pre-Paid Gift Card at a XXXX XXXX XXXX in the amount of {$150.00}. I attempted to make an online purchase with XXXX, and the purchase was declined. I then attempted to make another online purchase for the same Item with XXXX XXXX, and that purchase was decline. I then again attempted to use the American Express Pre-Paid Gift Card at XXXX again, and again that purchase was declined. 
I checked my balance online with American Express ( amexgiftcard.com/balance ) and it shows the card is active for {$150.00}, and with 3 pending purchases, but the card was declined. American Express is not releasing the money, but charged me {$.00} per each pending purchase. 
I have made purchases with One XXXX XXXX XXXX XXXX ( visa ) with no problem. 
I called American Express customer service support ( XXXX ), after going through a barrage of automated puzzle, I was able to talk with a real person. I was told I had to use the card in person or try another merchant. I dont want to use the card in person, I purchased the card for online use. I did try another merchant with the same, negative results. They told me to wait 24 hr before using the card again, I did that with the same negative results. I called customer service again and got the same response. Customer service was no help. 
So now, I am stuck with a {$150.00} American Express Gift Card that I can not use. This is either a scam or false advertisement. Its frustrating and stressful. 
I JUST WANT MY {$150.00} REFUNDED TO ME, SO I CAN PURCHASE A GIFT CARD I CAN USE!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XX/XX/2022. I have accounts on my report that I don't recognize but they still haven'tt removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an extended fraud alert with Experian that states to contact me for extra security however the phone number is wrong & theres no way to update this. Now Ive been denied for place to live & cant correct the problem this ridiculous cause you should be able to do it online or at least by live representatives
Product: Prepaid card

Yes I had two Bank of America credit cards and they were both stolen and I cant seem to get into the account and report it so I can get it canceled and get new cards sent to my new address. It looks like someone was charging my card and I would really like help on disputing those transactions and how can I get a new card and find out what is my remaining balances on those cards thank you
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Below are the accounts in question : Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name : XXXX Date Opened : XX/XX/ Reason for dispute : Identity Theft/Fraudulent Account Amount : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We had phone service since XXXX and were never late with a payment. Around XX/XX/XXXX our service stopped working. We called XXXX and told them we didn't have service but instead of fixing service we want to cancel. The next month we received a bill for service we did not have. We called again and were unable to get the issue resolved. The following month another bill arrived for service we did not have. After several months we finally got the point across but XXXX insisted we pay for all the back months for service we reported as non-operational. We said no, explained why so the bill ( {$110.00} ) went to a collection agency. When the agency called we agreed to pay for 1 month sent a check and the matter was closed. Experian only had XXXX and XXXX on our credit report so it looks like we got servc ie and NEVER paid a single bill. We had phone service since XXXX, paid every bill ON TIME until the dispute. Experian only showed our XXXX account XXXX - XXXX when we had the dispute.
Product: Debt collection

I had two accounts with XXXX. I closed my ohio account XXXX. This left only my Indiana account XXXX. I received communication from XXXX that I had a credit of {$130.00} on my Ohio account. I called and spoke to a representative and asked for the money to be transferred to the Indiana account. The representative stated the money could be transferred. I then received a prepaid credit card in the amount of {$130.00}. I am going to assume the money could not be transferred to the account in Indiana. The Indiana account is paid current, and the Ohio account was never delinquent or missing a payment. At the later part of XXXX, I received a call from XXXX XXXX XXXX stating they were trying to collect a debt. I asked for who and they said they did not know the company they were collecting for or any information on that company. I asked to speak to a manager and was sent to a voicemail. No return call. Within a week I received another call from them stating they were collecting for XXXX. I told them I had no delinquencies with XXXX and asked for XXXX tel # to contact. They stated they could not help me with that. I then contacted XXXX and spoke to 2 different people. One was a rep and the other was a collection manager. Both stated that they would take care of the situation and not to worry about the account as they seen where their error was. I did not hear anything from XXXX or XXXX again. At this point, I had not received any communication on that particular account stating it was past due. So when they stated that the account was taken care of, I did not think about it till yesterday XX/XX/XXXX. I received a call from a XXXX XXXX that stated he was calling from Credence Financial Recovery regarding the delinquent XXXX account. He said it was delinquent and would be reported to my credit bureau at any time. He continued to ask how I was going to pay my debt. I advised I had not received any communcation in regards to this account and that I do not owe the debt. He again stated how was I going to pay. I told him again that I have never received any communication and I need to see something in writing. He stated the letter will say the exact same information. I told him so be it, but i wanted something in writing. I am still waiting for the letter but they did state it would take 2-3 days to receive. My complaint is that I do not owe this debt. XXXX told me twice it was taken care of and did not send any communication to this account, XXXX stating they did not take care of it, nor they were sending it to collections. My confusion is they communicated an overpayment, sent a pre paid credit card and then sent me to collections with no communication nor correspondence. I received nothing from XXXX, XXXX XXXX nor Credence Financial.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, Has violated my rights. 

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 items of information, other then 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: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS OPENED FRAUDULENTLY. I NEVER RECEIVED ANY FUNDS SENT TO MY ACCOUNT. THIS ACCOUNT IS UNDER LITIGATION. THE ACCOUNT WAS OPENED WITH UNKNOWN EMAIL ANDUNKNOWN BANKING INFORMATION. THIS ACCOUNT DOES NOT BELONG TO ME. I DID APPLY FOR ALOAN THROUGH THIS CREDITOR SEVERAL MONTHS BEFORE THIS ONE WAS OPENED FRAUDULENTLY. THAT ACCOUNT WAS PAID IN FULL AND CLOSED IN GOOD STANDING. I BELIEVE THAT MY INFORMATION WAS LEAKED AND EXPOSED BY THE COMPANY. I REQUEST THAT THIS ACCOUNT BE COMPLETELY REMOVED FROM ALL CREDITOR REPORTS AND ALL CREDIT BUREAUS.
Product: Mortgage

I am a XXXX in XXXX, Texas and this complaint is on behalf of myself and my client as well. 
My client was applying for an FHA mortgage with a company called Skyline Loans. The mortgage broker was XXXX XXXX, XXXX # XXXX. The problems were many, but the notable few were as follows : 1. Very shortly after requesting a preapproval from the lender, he mentioned to my client that he recommends the agent ( myself ) to pitch in a non-specific amount into closing costs for a reason both I and my client are unaware of. He then asked me for this amount -- an unknown amount. This was of course an odd request of the client. 
2. I then emailed XXXX to ask why and if this was necessary and a typical practice of his company. This email was met with a general lack of respect and professionalism. I have the emails to prove this. 
3. After this email conversation with XXXX, and after the house was well into contract, XXXX then offered alternative representation to my client with agents he knew that would gladly pitch in some still unknown amount to his closing costs. This of course was not well met with the client, and of course, myself. 
4. I never once mentioned any problems I was having with XXXX until after the deal was closed to my client. However, Shortly before closing date, my client called me late at night and complained to me for quite some time about the general lack of professionalism he received from his mortgage broker ( XXXX ) and that the promises he was assured of in the beginning and even throughout the process have not been kept, and the structure of the deal had even worsened significantly. The client felt there were blatant misrepresentations and told me he " has the emails and text messages to prove it, '' which he very much does. 
5. He once again told the client that the agent would need to pitch in parts of the commission towards closing costs to secure the deal. This is just days before closing. I called XXXX the next morning to alert him of the client soon the make a decision about switching lenders and BEHOLD, suddenly there was a forgotten large amount of lender concessions to apply to the deal that had been conveniently forgotten about. 

The deal closed, but the obvious self-interest at the expense of the client and general lack of professionalism are enough to form this compliant in hopes to alert any member of the public about this broker 's business practices.
Product: Debt collection

Dear CFPB Representative, I am writing to formally submit a complaint regarding AMEX, who has failed to send me a copy of the 1099-C form for Credit charged off in the amount reported of {$8000.00} XX/XX/year> and {$3700.00} XX/XX/year>. Despite my repeated requests for this documentation, AMEX has neglected to fulfill their obligation, which I believe constitutes a violation of the following laws : XXXX XXXX XXXX ( XXXX ) XXXX : This statute requires creditors to report the cancellation of debt, including issuing a 1099-C form to consumers when a debt of {$600.00} or more has been canceled. 

Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from engaging in unfair or deceptive practices, including failing to provide necessary documentation related to a debt. 

The absence of the 1099-C form not only jeopardizes my ability to accurately report my income to the IRS but also raises concerns about potential fraudulent business practices and tax avoidance by AMEX. The failure to issue this tax form has significant implications for my tax liabilities and indicates a lack of transparency in their operations. 

I believe that this situation warrants investigation for tax fraud, and I am considering reporting these activities to the IRS for further scrutiny. I kindly request that the CFPB take appropriate action regarding this matter, as it affects not only my financial well-being but may also impact other consumers facing similar issues. 

Thank you for your attention to this important matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  XXXX, has violated my rights. I was never late in XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I request to have this account updated to paid on time.
Product: Vehicle loan or lease

I tried giving this company the benefit of the doubt, but they are still harassing me over a mistake that they made. I sent the bank showing that there was never a return to sender for insufficient funds on my account. They lied and said there was. Also their argument is that if they didn't receive the last payment of {$610.00} then I should've contacted them and sent it to them. I started to them on numerous phone calls that I never knew that they didn't take an automatic payment out of my account because I received my title and a letter stating that I fulfilled my settlement agreement with them. Instead of them recognizing that they made a mistake, they are persistent in making seem like I made the mistake. In reality, they are completely wrong for not taking the automatic payment from my account. I had well over {$2000.00} in my account the entire month of XXXX so it's not my fault they didn't take the automatic payment. I don't control how they take the payment out so therefore I'm not at fault for that. Instead of them realizing they were wrong and admit, they are calling me harassing me about owing them {$7000.00}. The amount of the entire loan. This is unfair business tactics and I shouldn't be subjected to this type of harrassment. In fact, it doesn't make any sense of my behalf to NOT make the very last payment on a settlement agreement. It makes no sense at all. Instead, they are trying to force me to agree to paying them {$7000.00} the remainder balance of the initial car loan. I feel they need to be reported to You and the XXXX for unfair and dishonest business tactics. I also wish you would subpoena them for the recorded phone conversations that they have on file, so that you can hear, what all was said.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against PenFed Credit Union foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Protection Bureau, I am writing to formally lodge a complaint exercising 15 U.S.C 1681s ( b ) against PenFed Credit Union regarding their handling of my auto loan account, specifically concerning the sale of my debt to a collections agency and the improper disposition of my collateral, a XXXX  XXXX XXXX XXXX. 

To provide context, I had an auto loan with PenFed for the aforementioned vehicle. Unfortunately, due to unforeseen circumstances, I was unable to continue making payments. The vehicle was involved in an accident and subsequently declared a total loss. I had insurance coverage with XXXX XXXX XXXX, which was prepared to settle the claim for the vehicle. 

However, instead of reaching out to XXXX XXXX to resolve the matter, PenFed took the following actions that I believe are illegal and unethical : 1. **Sale of Debt to Collections** : PenFed sold my debt to a collections agency without properly notifying me or allowing me the opportunity to address the situation with my insurance provider. This action has severely impacted my credit score and financial standing. 

2. **Sale of Collateral** : PenFed sold my XXXX  XXXX XXXX XXXX without my knowledge or consent. I have documentation that includes a notice of deficiency and a notice of their plan to sell the property. Additionally, I have a receipt from XXXX XXXX and XXXX, which confirms that they picked up the vehicle, and a police report detailing the incident. 

3. **Unjust Expectation of Payment** : After selling the vehicle and applying the sale proceeds, PenFed is now expecting me to pay a balance on a vehicle that was totaled. This expectation is not only unreasonable but also places an undue financial burden on me. 

I believe that PenFeds actions violate consumer protection laws and regulations, and I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau investigate this situation and take appropriate action against PenFed for their improper practices. 

Enclosed with this letter are copies of the following documents for your review : - Notice of deficiency - Notice of plan to sell the property - Receipt from XXXX XXXX and XXXX - Police report I appreciate your attention to this serious matter and look forward to your prompt response. Thank you for your assistance in protecting consumers like myself from unfair and illegal practices. 

Sincerely, XXXX XXXX