23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Validation notice dated XX/XX/XXXX does not have whom the debt is owed nor the date of service. 
Notice 2 dated XX/XX/XXXX is threatening to report to the credit reporting agencies. This notice is 30 days from the original validation notice. I did not receive the 1st notice until XX/XX/XXXX due to the holidays and have the letter to mail to this company regarding validation and I received the 2nd notice last week. This can not be right even with the new rules that will be in effect. Thank you for your timely response.
Product: Credit card

sent payment on XX/XX/year> called on XX/XX/year> payment inquiry stated did not receive it they started a investigationXXXX investigation completed unable to locate payment .I stopped payment on XX/XX/XXXXcost XXXX dollars.made payment online on XX/XX/year> .they tried to cash the check on XX/XX/year>. when I made the payment on XX/XX/year> the check was not there.tried multiple times to collect the XXXX dollar payment but was denied.company Apple Card
Product: Mortgage

I started with Norcom Mortgage when I bought my house & they are either doing bad business or very unorganized. They A ) have sold me back and forth from there XXXX, XXXX branch & their XXXX branch.. & currently sold me to a company. B ) My town taxes are with my monthly mortgage & they did n't pay them till I got a bill from the town so payments were late, that happened XXXX. They didnt pay my home insurance through XXXX which is within the mortgage, & this past yr XXXX sent me info in the mail saying they were not being paid so they dropped me. Come to find out they were paying through XXXX which I havent been with for a while. I think they should be audited..I dont know how many other clients they are messing with their money & credit. Everything has been paid but late, my last straw was them now not transferring over my last payment to new Mortgage Company & getting letters in the mail saying I could be penalized.
Product: Debt collection

XXXX XXXX XXXX has mailed me to letters about two check I wrote that did not clear and I still owe money. I contacted both companies and my bank. I was informed my my debt was payed. My first letter, was a debt from XXXX/XXXX/XXXX XXXX XXXX XXXX for {$200.00}. My second letter, XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX  XXXX for {$50.00}. I have tried to call there place of business no one answered the phone. My dentist secretary also called and did not get an answer either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 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
Product: Student loan

I attended XXXX University from XXXX. The company made promises of job placement that never happened.
Product: Credit card

I just received an Amazon.com Rewards credit card from Chase bank with my name on it without ever applying, authorizing or in any form requesting this account from anyone. 

I called the number in the back of that credit card and asked them to cancel it and they argue that they can only temporarily cancelled. 

I have other account with Chase and also an account with amazon.com so I am suspecting that any of this two companies might have taken my personal information from such accounts to created this new credit card account. This situation seems to me an obvious fraud that a financial institution or a public company take our personal information and create accounts without the customer 's consent.
Product: Credit reporting or other personal consumer reports

I requested account verification, informed them my was data breached. Told them account was not mine.
Product: Credit card or prepaid card

I applied for a store card and got a {$500.00} credit limit less than a year later they dropped it by about 50 % a year later they dropped it by another 50 % it was actually several different times but it has dropped down from XXXX to {$130.00} the last one was roughly a drop of XXXX or XXXX dollars. Every time I talk to these people they tell me that they did this in regards to my credit score which by all accounts has done nothing but go up and every time they drop my limit it drops my score I need not say why. Over the course of the 3 years I have accumulated XXXX to XXXX XXXX dollars more credit from other creditors whether new accounts or increased accounts I have yet to have one go down other than this account and one other tied to the same creditor
Product: Student loan

Mohela has been so difficult to work with. It is near impossible to get ahold of them and often when you do the person can't help. You should be able to request a new loan servicer. I want to repay my loans, I want to be organized and keep my credit high, but it is impossible to get ahold of anyone. I am on the wrong repayment plan. XXXX says my application for XXXX is pending because Mohela won't approve it until the courts make a decision, but still expect payments from me. That is completely unfair.
Product: Credit reporting or other personal consumer reports

XXXX, a financial institution and furnisher of information, along with XXXX AND TRANSUNION, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX, XXXX, AND TRANSUNION being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX, AND TRANSUNION do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX, XXXX, AND TRANSUNION are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX, XXXX, AND TRANSUNION have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted transunion to remove inaccurate late payments on my credit report several attempts and transunion XXXX  reporting it as updated with no investigation.
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 : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Auto trakk never followed the law when it came to my voluntary repossession. I never received an intent to sell, I didn't know the location of the car or anything. I don't believe the amount on my credit report is accurate at all. Also, the account is closed and the last 2 months ' payments were updated as payments made., which I never made a payment. I believe they're doing this so the time of starts over. I've disputed this account 3 times for inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these unauthorized charges and accounts on my credit report. I have been back and forth with the companies and no resolutions. Please remove all fraudulent accounts from the credit report of XXXX XXXX, and Transunion. 

The first account is XXXX XXXX XXXX reported a balance of {$0.00} opened on XX/XX/XXXX. 
The second account is XXXX XXXX opened XX/XX/XXXX balance {$670.00} The third account is XXXX  XXXX opened XX/XX/XXXX balance {$750.00} The fourth account is XXXX XXXX XXXX opened XX/XX/XXXX The fifth account is XXXX  XXXX  XXXX XXXX opened XX/XX/XXXX balance is not at {$0.00} The sixth account is XXXX XXXX XXXX  opened XX/XX/XXXX balance is {$180.00} Please remove immediately from all XXXX credit reports these were not authorized.
Product: Student loan

I borrowed " originally '' {$25000.00} - I deferred for 10 years - being a single mother raising XXXX children I could not afford to provide the care they needed and pay my student loans. In XXXX, I started working for the XXXX XXXX XXXX XXXX XXXXXXXX, full time. I applied for loan forgiveness, as it was my understanding working for a non-profit company/State or government company would allow for loan forgiveness. I applied for loan forgiveness around XXXX ( maybe earlier ). I received a letter that I " did not qualify ''. I have contacted my lender ( AES ) and they told me my loans are not eligible for loan forgiveness. By XXXX, when I could " almost '' afford to start repaying my loans, my new balance was greater than {$60000.00}. I did receive a few deferments in my early years of repayment but now am told I do not qualify for deferment. I left working for the XXXX XXXX XXXXXXXX  in XXXX and started working for the XXXX XXXX XXXX in XXXX, where I continue to work full time. I am a XXXX XXXX and I worked through the pandemic and while I love my job, working for XXXX XXXX XXXXs not a huge salary. I just put in a new application for PSLF and after filling this out a message came across the screen that " this program ended in XXXX of XXXX. I am frustrated and can't seem to get the answers needed to make this ridiculous loan amount affordable. I have MORE than paid back what I borrowed in XXXX and honestly, will never live long enough to pay this loan off. In the almost 20 years I've been paying on this loan it has only dropped a few XXXX dollars. This makes no sense to me. I really need some help and have no idea how or where to get it. You are my last option at this point. I don't understand how with all the billions of dollars being forgiven by our current political administration, how I, with a 30 year loan, that I have paid on for the last 20, do not qualify for any graces. Any help you can provide would be so greatly appreciated! 
Respectfully submitted, XXXX XXXX ( XXXX XXXX - loan name )
Product: Checking or savings account

There was XXXX dollar or something dispute i did with the bank. than i took XXXX us dollar out of atm. next thing i know is for all of certain bank account as been closed I called them they told XX/XX/XXXX account was closed. I got a notice saying due to violating of agreement. But they have failed to inform me what part did i violate i do not believe i have violated any agreement. Due to closing of account and my fund not being available to me for long time it has caused me tremendeous stress and affected my life. I believe US BANK closing of my account Unfair, Deceptive, Abusive Acts and Practices. Being a customer i have the right to know what actually did i violate and its my fund if they want to close my account they do not have the right to hold my account for 10 to 20 days who will take care of stress and effect it has caused me. I am already facing hardship in life and this has added extra hardship to my life. The way of closing my account was unfair. I want my account to be REINSTATED if not possible want to know exact answer not vague answer why it was closed and also want to be compensated properly as due to their system closing my account and i not being able to use my own money it has effected my life and also given my stress. I want my account to be reinstated and also get compensation for holding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. Equifax / XXXX XXXX Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. 
In the amount of {$250.00} There was no written form of communication contact or signature for this accused debt at all. Stating that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information and signed contract with my signature.A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX XXXX can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.
Product: Bank account or service

Bank of america had agreed to stop reporting negative remarks to the XXXX major credit reporting agency 's. The account is closed. I contacted bank of america in regards to this issue as they are reporting every month to the credit reporting agency 's with XXXX remarks which is affecting my credit score in a negative way. I was told when I spoke with corporate office for bank of america that at my request being the account is closed the negative remarks will no longer be reporting. However upon checking my credit reports they are still reporting every month.
Product: Checking or savings account

On XX/XX/XXXX, I called OptumBank customer service to reissue a new XXXX card in replacement for one that had expired. I was told I would be sent a new card, and I did receive it not long after. 

However, I also received a check within 9 days of this phone call with the balance of the account ( approx. {$3200.00} ) with a notation that the account was closed. 

When I noticed this activity this month ( I did not notice the check in a pile of unopened mail, assuming it was simply about my new card ), I was told via phone agents that I actually had called twice on XX/XX/XXXX, once to order a new card, and once to close the account. 

Which is baffling, considering I did no such thing. I was told two different reasons why this supposedly occurred : one representative said I did so and requested a check rather than use ACH to close the account. Another representative said I called to cancel and perform a rollover. 

In any event, this is patently untrue. I know well the tax implications of taking a distribution from an XXXX, and thus I would not close the account. 

I would like my account re-opened and the funds re-distributed to my account. I have not cashed the check Optum sent for this distribution. 

Given this absurd history, I may well close the account this year just to get away from Optum, but that will be after I make proper distributions on my own for qualified expenses. Thanks, XXXX
Product: Vehicle loan or lease

3 months after I bought the car it broke and I had to fix it because the finance company Afs Acceptance wouldnt fix it. Its XXXX XXXXXXXX which cause me not to be able to make my payments and I was keeping contact and all. They didnt have to look for me or wonder whats going on. And I still have the car they dont want it back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, and 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 instruction
Product: Debt collection

I moved from XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I contacted XXXX XXXX XXXX to notify them of this move and to find out about the transfer of service. I was told they did not offer Internet Service, Only XXXX XXXX. I wanted to have bundled services ( TV + Internet ) which they could not offer. Because they could not offer Internet Services, I was told that I could terminate my current services in XXXX without an early termination penalty, which I did. After moving, XXXX XXXX XXXX started sending me a bill for {$400.00} for the early termination charge, which eventually went to a collection agency, XX/XX/XXXX, XXXX XXXX XXXX XXXX. I disputed this claim and the debt disappeared from my credit report and I thought they had withdrawn their request for payment. On XX/XX/XXXX Diversified Consultants of XXXX XXXX began a second attempt to collect this debt. Again I Disputed the claim ( Report # XXXX ) but the Dispute results provided by XXXX  favored Diversified Consultants claim. I called Diversified Consultants to try to resolve this claim but was met by a representative of the company that only would tell me over and over again that I owed the {$400.00} and to pay it. I called XXXX XXXX XXXX and found that the debt had been recalled by XXXX XXXX XXXX, the dispute had not been closed in my favor. XXXX XXXX XXXX improperly charged me an early termination penalty and never provided me with a clear statement of why I should pay this charge since they could not offer similar services in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get inquiries removed from my XXXX report that I did not authorize for my credit report to be pulled by XXXX XXXX XXXX Bank on XXXX, XXXX XXXX on XXXX, Capital One was supposed to be a soft pull on XXXX, And on XXXX Capital One did a hard inquiry when it should have been a soft one.
Product: Vehicle loan or lease

I purchase a car for son from XXXX XXXX used car I was finance with credit acceptance for amount that I was not aware about and now I can not afford it I try over and over to refinance this balance but unable to please help me
Product: Money transfer, virtual currency, or money service

I sent money to the incorrect person and they stated they could not recover the money.
Product: Credit card or prepaid card

Due to illness, I cancelled a trip that I paid for using my Chase Visa Card. This card provides travel insurance in case of illness. I submitted the claim for {$7100.00} on XX/XX/2022 and promptly supplied all of the various requested documents to Card Benefit Services which manages the claims process. I called and emailed a dozen or so times and have been advised that no additional inform

ation or documentation is required from me, but the claim is still being processed. It appears that Card Benefit Services/Chase Visa makes every attempt to delay or not pay claims, perhaps hoping that some people will give up on chasing their claim payment.

Card Benefit Services has arranged their claims review and processing to be as difficult and time-consuming as possible. Contacting Card Benefit Services to inquire about the status of the claim payment results in a run-around response, with no other avenue for a claimant to obtain a proper response or satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute letter to all 3 credit bureaus for XXXX XXXX   XXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of XXXX verifying the account all they did was add late payments and ruin my score more!