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

XXXX unlawfully charged my Discover card for {$75.00}. When I contacted Discover about this issue and to not honor XXXXXXXX XXXX  said fee, I was ignored and the said amount paid.
Product: Debt collection

I have spoken with the same lady twice about this so called debt. She has insulted my intelligence stating I know nothing about the law and about how collections work. She stated she can call me whenever she wants and say whatever she has to in order to get me to pay the debt. I've asked her why is she so rude and condescending when that will never work to make someone pay anything she is saying is owed. I've asked several times for her to stop calling me and it appears she is the one to always contact me. Late at night around XXXX whilst just being rude. It makes my XXXX XXXX XXXX  and for me that is super dangerous for me. Please help me with this super rude company. XXXX XXXX is the company name.
Product: Mortgage

We have received several delinquent notices from XXXX County Taxes. This was supposed to be paid out of our Escrow account. We can not make our mortgage payment because of these tax bills and unable to make mortgage payment because of a decrease in employment, Health care premiums and costs. I would like Guild to pay the XXXX County Taxes and I would like a modification on our home as outlines in FHA insurance rules.
Product: Credit reporting or other personal consumer reports

I REQUEST UNDER THE FDCPA THAT THE CREDITOR PROVIDES VALIDATION 1. NAME AND ADDRESS OF THE ORIGINAL CREDITOR AND THE CURRENT CREDITOR. 2. VERIFICATION OF THE DEBT AMOUNT YOU ARE SEEKING TO COLLECT, INCLUDING EVIDENCE THAT A CONTRACT EXISTS CREATING THE AMOUNT YOU CLAIM IS OWED. 3. DOCUMENTATION OF ALL ASSIGNMENTS SHOWING THE TRANSFER OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 4. PROOF THAT THE ORIGINAL CREDITOR SECURITIZIED THE DEBT. 5. DOCUMENTATION SHOWING THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. DEMANDING UNDER THE ( FDCPA ) AND YOUR OBLIGATIONS AS A DATA FURNISHER.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was suddenly unable to make any transactions on CashApp, but I could send money to other people. They stated it was due to unusual or suspicious activity. It also says I have insufficient funds, but I have more than enough money in my account. Then on XX/XX/2020 I could no longer send money to anyone. I stated that my card was lost/stolen but now I cant even order a new one. It says my account cant be activated. I attempted to reach out to CashApp on XX/XX/2020 and still havent received a reply. Theyre just holding my money and not giving me any customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, is not stating that monthly payments are being paid. I negotiated debt, and my balance is showing incorrect amount I owe and not being paid. I have statement/bill which, shows new amount owed and being paid. 
The original creditor was XXXX XXXX Bank I can upload statement. 
XXXX is balance owed, not close to XXXX. 
XXXX XXXX refuses to make changes on credit reports.
Product: Debt collection

I saw a collection on my credit from Pro Collect. A debt that I do n't owe. I sent for validation from this collection agency and they did not send me anything. It is now four months since I sent for validation. Pro Collect is not bonded to collect in my state. This is a time barred account. They are continuing to re age this account. This agency is in violation of the TEXAS FINANCE CODE AND THE FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit report Compnay keeps adding to my profile and not removing
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been paying monthly payments in the amount of {$33.00} toward loan balance of {$2300.00} per agreement to XXXX XXXX University since XX/XX/XXXX. Requested Equifax investigate incorrect reporting. The amount showing on my credit report is {$4400.00} and this is incorrect. Also Equifax is not reporting that account is being paid on. Please see documents verifying loan balance and verification of payments made since XXXX on the XXXX of {$33.00} per credit card statement.
Product: Debt collection

My wife and I are sellers to a condo in XXXX. 
We have seller representation on our side and the buyer chose a title company, Orion Title & Escrow LLC and their partner law firm, XXXX XXXX XXXX. 
It was agreed that the title company ( Orion Title ) would order the HOA estoppel to obtain the HOA account information. 
My wife and I signed a an authorization form allowing Orion to access the HOA account.

Several days later, we received the estoppel letter from Orion, but they hired a 3rd party service to access the account without our authorization.

Several phone calls were placed with the title company who stated they did not believe the HOA account contained NPI. 
A conference call was set up with the related attorney and title company. The attorney also believed the HOA account info was not NPI.

During this call, I explained why I felt it was NPI and requested they asked their party to delete the records. 
The title company and attorney stated they would not accommodate this request. 
I feel this complaint is the next step because of the inactions from the title company and law firm not believing the HOA account info is NPI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : 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  these items above should be removed from my report immediately. 
Please note : I have included in this package a copy of my driver license, copy of proof of address, copy of my SSN, FTC report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

2 inquiry that are incorrect and they don't belong to me.

1. credit accepta nce date XXXX XXXXXXXX XXXX XXXXXXXX  I don't have accounts with this companies. I already try to dispute them, everything is correct. As things that are listed on my personal credit report.
Product: Credit reporting or other personal consumer reports

I submitted a dispute into Experian reporting unreported/unverified information on my public record on XX/XX/23 meaning that Experian 's deadline to respond was XX/XX/23 but Experian did not respond until XX/XX/23. This is a violation and as a result these items must be removed per FCRA.
Product: Student loan

My daughter asked her Grandmother to co-sign on XXXX XXXX loans. The loans were sold to Navient. XXXX did not finish school because of the expense. She instead started working for a very large corporation who is paying her salary plus bonus. The only salary that XXXX can commit to is {$20000.00} per year. Her loan payments are {$600.00} per month. She tried to renegotiate, she tried to get her interest rate reduced but they turned down every request for assistance. She has a very good credit history with Navient. 
The problem is her Grandmother is XXXX XXXX XXXX and this company calls her 8 or more times a day starting on the day the loans are due. XXXX pays her loan payments with a paycheck that at times does not fall on the due date. They have told a XXXX XXXX XXXX women that the only way they will stop harassing her is if she gets a lawyer to send a Cease and Desist letter or give them her credit card number. XXXX does not have a 30 day late on her credit report. 

We have gotten a lawyer and we are sending a letter to this company. I do n't know what else can be done about the harassment of a co-signer. They said that legally they can start call her at XXXX and continue up to 8 times a day through XXXX. Its takes several days after a payment is made for the calls to stop. This is a XXXX XXXX XXXX women who is too afraid to not answer the phone and they know it. 

This story about student loans and Navient is a very common story. There must be a way to get this company to stop the harassment. No one requests to do business with them. People who take out student loans with the government are not given any notice or warning that the the loans will be sold to this company. 
Something must be done to protect people against this kind of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

InFebrurary2019IwaslookingtopurchaseatruckandIgotapreapprovalfromXXXXXXXX-thetruckthatIwantedwasatXXXXbuttheywouldnotacceptXXXXXXXX'approvalandstatedthattheywouldgivemeabetterinterestratesomycreditreportwashitwith15inquiries.GotanapprovalandfinanceditthroughXXXX.IwashavingtomanyissueswiththedescrepancyofmynameandtheinterestratesthatwasagreeduponandtryingtogetthevehicleregisteredbecauseXXXXhadsomeoneelse'snameontheregistrationandittookthemalmost4monthstostraightenthatout.IdecidedtogoaheadandpayoffthevehicleinXX/XX/2019intheamountof{$28000.00}.OnXX/XX/2019IreceivedaletterfromXXXXXXXXXXXXXXXXstatingthattherewasforceautoinsuranceputonfromXX/XX/2019-XX/XX/2019.OntopofthatXXXXthensendsmepayoffnotificationonXX/XX/2019thatIstilloweabalanceof{$170.00}whichIpaidimmediatelyonXX/XX/2019withconfirmation#XXXX.

DespitethenightmareIwentthroughwithpurchasingthisvehicleIamintheprocessofpurchasingahomeandmycreditreportisshowinga60daylatepaymentstatuswitha3creditbureausforXX/XX/2019.

WhenItriedtoaddressthisissuewithXXXXnooneseemstobeabletogivemeananswerorrectifythisissue.The3creditbureaussaidthatIhadtocallXXXX.
Product: Money transfer, virtual currency, or money service

Lost money with the company on unauthorized transactions and wasnt able to dispute or resolve issues XXXX multiple times up too 2000 $
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint has not been corrected and you ( cfpb ) have closed the complaint Village Capital & Investment LLC ran a credit inquire on me and my wife without us applying for credit, actually we cancelled the contract once we realized who was involved and we refused to deal with Village Capital & Investment LLC. I received a letter from XXXX XXXX XXXX - Compliance Representative for Village Capital & Investment LLC, on XXXX XXXX, XXXX claiming that all inquiries would be removed. Today I received a letter from XXXX XXXX that Village Capital did not run the report themselves but had " XXXX XXXX XXXX '' run the report for Village Capital & Investment LLC on XXXX XXXX, XXXX, with all three credit reporting agencies for them and those hard inquires have not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing the XXXX XXXX XXXX collection on my Experian report. The company has neglected to provide the information to support the verification that this account belongs to me. I am a victim of identity fraud and Ive submitted the proper documentation to support that. XXXX has yet to provide the documents to me that they are using to verify that this account is mines. I have not signed a written contract nor have I entered into an agreement with them. Please remove this collection from my report. 

Thank you, XXXX
Product: Debt collection

On XX/XX/XXXX, I called Hunter warfield to ask if they would settle with me so i can closed the account. The debt is from rental property where my father and I reside, unfortunately we had to leave a two months early because we were upset with the management. When the property manager renewed our lease in XX/XX/XXXX, she accidentally left my dad who was the main income off the lease. I just had a baby and was nit working. Well when we left early, the rest of lease contract went on my credit and only mine. I have an XX/XX/XXXX child who is XXXX and anotherXX/XX/XXXX who is XXXX. I am not working cause of covid and virtual learning with my oldest but unfortunately my car choose to die on me. So I called hunter war field and asked them if they would settle? The gentleman said {$1000.00} but when I told him my situation he was willing to take $ XXXX {$700.00}. But he first said, we should try to dispute this since this should nit be just your responsibility and he would call me that Tuesday to let me know if it went through. No call. I left Vm after Vm then finally a man calls me telling me the rental property is saying my dad did not live there which was a lie by the property and if I can get receipts of checks he paid rent and any other evidence, that will help my dispute. So XX/XX/XXXX I emailed them everything I had. XX/XX/XXXX I received a call from a hunter warfield debt collector stating it does not matter what evidence I provide, I was the only person on lease therefore its my responsibility. He was very pushy and rude. He said I need to pay half of the debt which was {$790.00}. Unfortunately with XXXX and unfortunate circumstances I couldnt even do anything. He said they are offering this once and he can split two payments but it must be paid by XX/XX/XXXX. There was no way I could and I needed to talk to my dad and fianc first to see if possible but when I ask the man fir an hour, he wanted my debit card and they would arranged two payments. I said I cant afford {$790.00}. He was very pushy and kept trying to make feel like I had no choice and this was it for any help from them. He would not allow me an hour to speak to husband and dad a d kept going on and on that this was it for offers and I need to take responsibility. They are trying to help me but I am the one who contacted them first to settle. I finally got aggravated because he made feel threaten, I told him that I need to speak to a lawyer to know my rights. Abd he said well now you brought up lawyers, we are done.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts on my credit report due to my status as a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these accounts be blocked and deleted to prevent further unauthorized use of my personal information. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$3900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$190.00} Inquiry to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XX/XX/2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are Capital Accounts LLC, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit card or prepaid card

This is in reference to my Comenity XXXX  Mastercard.   Phone Number on file XXXX   This interaction occurred XXXX.  
On two several dates, i have called to pay my balance in full.   Back in XXXX XXXX  in the amount oXXXX XXXX and XXXX in the amount of XXXX.  After that the system generated a XXXX finance fee which carried over for XXXX  months with late fees.  I was unaware of the situation being that i assume i paid in Full before due date and only have access to electronic statements.  I called on XXXX XXXX at approximately XXXX XXXX XXXX and was treated with a cold, unfriendly, condescending employee who I hope you can identify since the calls are recorded.  She cut me off and transferred me to collection dept and then the phone got mysteriously disconnected. She job performances need to be addressed and she clearly can not deal with problem solving.  after two more phones calls, the second one being disconnected again during a hold/transfer.  I finally called back the third time and spoke with XXXX who went above and beyond to help me and not talk over me. XXXX was able to see what I was disputing and assist me in a professional matter. 
 I would like to give her a recommendation for her professionalism and help.  Finally a good one!
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I utilized the mobile capture to deposit two unemployment checks from the state of Florida on a XXXX XXXX account to my American Express Serve account. American Express directed me to use XXXX XXXX XXXX. Which I did, however, I received an email from XXXX " Transaction Notice! 
Your check transaction is not approved. 
Unfortunately, we are unable to approve your check Transaction ID XXXX dated XX/XX/XXXX. Your check will not be processed and the funds will not be added to your Serve Accounts Available Balance. 

Your check has not been processed. Your check remains valid and may be deposited or cashed elsewhere at a later time. 

Checks may not be approved for a variety of reasons, including : Check was not endorsed Check images are illegible Check was not written to you as your name appears on your Serve Account A properly voided image of the check was not received You can view all of your Mobile Check Capture by XXXX XXXX transactions in your Serve Transaction History under View Transactions or by tapping My History on the XXXX XXXX welcome screen within your Serve Mobile app. 

If you need to resubmit your voided check image, call XXXX XXXX at ( XXXX ) XXXX. 

I called that number to find out why I was unable to deposit the checks but no one answered although I was first in line. I waited each time I called for up to 30 minutes. I reached out to American Express, who were unable to reach anyone at XXXX or provide me with an answer. I call American Express several time and was either misdirected or sent to someone who eventually disconnected the call. 

I am thinking that this is unfair and deceptive as American Express is utilizing a third party vendor/provided that is a ghost. Even their employees are unable to reach the so called vendor.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Helped a friend to purchase a car in 2012. I got financed through Lobel financial. Few months later due to friend being laid off, car was repossessed. Car ended up being sold at an auction, & balance that remained on loan was after them selling car was about {$5400.00}. My wages have been garnished since 2012. Every two weeks. I set up arrangements in 2012. 5 years I have been having $ come out of checks which is about {$3000.00} so far. When I noticed on my credit report that balance keeps going up and reflects no payments ever made, I called XXXX Sheriffs office, ( where Lobel said is responsible for garnishment ) when I called, I was told since my payments are set up as low monthly payments, that all my payments have been going to interest and fees to sheriffs office for their collection fee & my balance has gone up as it reflects no payments. So all these years & {$3000.00} has done nothing to amount owed. This is ridiculous!! & seems very illegal. I was never told their was a sheriff fee or interest on account when setting up monthly payments in 2012. I want amount due to reflect my payments that have been made for last 5 years on my credit report, & it to be reported monthly payments are being made.
Product: Credit reporting or other personal consumer reports

Several inquiries pop on my credit report that I didnt do it was fraud identity thieft 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

I have been sending out disputes to each one of the credit bureaus : Transunion, XXXX, and XXXX  since XXXX and they have yet to respond to any of my disputes or provide any results. I have done my research and they are still supposed to be providing results despite of the pandemic. Legally they have 30 to 45 days to respond so why has it been over 5 months and still no response to any of my disputes? I need erroneous items removed from my credit file and you are required to respond to me.