23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in XXXX I received a collection notice from Merchants Credit Guide Company. In XXXX or XXXX ... I ended up paying the bill online in full on their website. 
XXXX comes and I have an entry on my credit report from Merchants Credit Guide Company stating I owed them XXXX dollars. 
The amount that they gave me to pay was wrong. If I were told I owed that ... I would have paid it when i paid it online. 
Now I have a collections account on my credit report that I have no idea I owed. 
Never received a phone call or a letter after I initially paid. 

It's not like I knew I owed this extra amount or I would have paid. Was it a website error? 
I am a former employee ... was it done this way on purpose? There are alot of questions and no answers ... .I paid the Bill! 

I know that some people write things like this in order to get out of debt owed! I know I was on the other side of this. But I paid it! I paid the amount in full online.
Product: Credit reporting, credit repair services, or other personal consumer reports

NORDSTROM/TD BANK USA is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy.

NORDSTROM/TD BANK USA shall remove this charge off from all consumer reporting agencies immediately.
Product: Money transfer, virtual currency, or money service

I filing this complaint against cash app due to inadequate customer services and unfair practices and hick violated the comsumer Financial Production act. Specially, cash app failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the electric fund transfer act and Regulation E. These actions have caused significant inconvenience and financial lost and I seek financial appropriate l redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any time I apply for any type of credit card I am always told I have insufficient activity and I am denied So their for I have never been able to get one When looking at purchasing a home with my husband of 25 plus years they said I had no history, but I purchased a vehicle, and to apply with card company that helps to establish credit, I WAS DENIED BY 5 card companies and still havent received any reason as to why
Product: Credit reporting or other personal consumer reports

I am lodging this complaint personally. Following a comprehensive examination, I've pinpointed inconsistencies in the recorded payment history. I contend that there might be an oversight or miscommunication, given my consistent adherence to timely payments. My aim is to resolve this matter and ensure the fidelity of my credit history portrayal.
Product: Debt collection

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has reported the 3 bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX, XXXX XXXX, XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX
Product: Student loan

I lost my job in XX/XX/XXXX. For part of this time I was drawing unemployment, for part of the time I was doing some self employment work. I discussed this with the lender and asked about payment based repayment. I was told that since I was unemployed I was not eligible and that I needed another forbearance. During the summer of XX/XX/XXXX, I became very depressed due to my inability to find a job and worsening complications for XXXX and pain issues. When my forbearance was over, I was told that I no longer had a forbearance to use. This was approximately XX/XX/XXXX. My medical conditions had continued to worsen and I had XXXX on my XXXX. I went into treatment in XX/XX/XXXX for 28 days. While I was in treatment, I started getting late notices and the loan went into default. I continued to speak with the servicer about my options. I could have qualified for a income based repayment plan but again was told I was unable to go on that plan because I was not working ( I was still doing some part time self employment ) I was not eligible for income based repayment schedule. In the fall of XXXX I had continued failing health and applied for Social Security XXXX. My loan continued in default and I was told that I did not qualify for a XXXX discharge because my XXXX was not approved by SS. At some point this in XX/XX/XXXX or XX/XX/XXXX I was told I complete a special program and get my loans out of default by making 9 {$200.00} payments and that my credit history would be erased. I was advised that after that I could go into an income driven repayment. 
I struggled to make those payments and completed the program. I was eventually awarded XXXX with an onset date of XX/XX/XXXX. My income driven repayment has been {$0.00} until I qualified for a XXXX discharge. 

This misinformation has cost me in several ways. My credit has reflected multiple months of XXXX months of late payments. This has made it virtually impossible to get a loan, causes me to pay higher auto and homeowners insurance, made my credit score drop into the low XXXX and, if offered credit, it has been at ridiculously high rates. It has caused my balance to balloon. Had I been told I could apply for income driven repayment I would be 8 years ahead on total discharge. If I had been told about a medical discharge based on doctors affidavits, my XXXX onset of XX/XX/XXXX would have XXXX the loan almost 4 years ago. Finally, the misinformation forced me to pay {$1800.00} unnecessarily to get my loan out of default. 

I have filed requests through the credit bureaus 4, or more, times and they have thus far refused.
Product: Debt collection

I do not have a contract with this company they have no permissible purpose or written instructions for me to produce this collection on my credit report I'm requesting validation and a purchase forward flow agreement to prove I own this debt to this company LVNV FUNDING llc See attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill was paid in XXXX ; incorrect credit reporting as there was never a collection to be reported in the first place. This collection has dropped my score over 150 points, and now I can not get the house I want due to a collection that should not even exist! Every time I would call to get this resolved and let them know it should be removed, the XXXX was updated, so it just drags my score down even more. I can not even deal with this issue with the creditor because they refuse to listen. This is NOT my collection ; period. I didn't even live there since XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT XXXX, FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. XXXX5 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 True Accord, Corp. Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD ALREADY STOPPED BYXXXX XXXX XXXX Dear Sir/ Madam, I am, XXXX XXXX XXXX XXXX XXXX  ) United States Citizen, disputing the above- referenced debt. Please verify this debt as required by the Fair Debt Collection practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX , verification requires all the following : * Proof of my agreement to pay the original creditor, * A copy of the final account statement issued by the original creditor, * A breakdown of the total amount due, showing principal, interest, and other charges ; and * For all other charges, the date of and basis for each charge.

* I have been impacted by the Corona virus pandemic * CFPB proposed over the late fee amounts are illegal, XXXX XXXX XXXX  is fair and comitative, Only late fee {$8.00} not {$41.00} I DISPUTE THIS DEBIT BECAUSE ( forwarded TWO PAGES LETTER during XX/XX/2022 to XXXX XXXX XXXX. ) Barrowed {$670.00} ( DOLLARS XXXX XXXX ONLY ) from XXXX XXXX XXXX before COVID-19 PANDEMIC and paid total {$1000.00} ( DOLLARS XXXX XXXX XXXX XXXX ONLY ). What you want more than that during PANDEMIC TIME?. Even Land Lords are not collecting Rents from Tenants during PANDEMIC. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you already reported it, please notify the credit reporting agencies that the debt is disputed and/or delate the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit reporting Act. 
Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5- 77 ) require that you honor this request. Thank you. 

Sincerely, XXXX XXXX SIGNED XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU, 1700G STREET, NW, WASHINGTON D.C.-20552 XXXX XXXX XXXX DEPARTMENT OF CONSUMER AFFAIRS DURING XX/XX/2022 REPLIED TO SEND MORE INFORMATION, AS I WAS WITH MANY MEDICAL PROBLEMS AND XXXX XXXX CONDITIONS COULD NOT REPLIED
Product: Mortgage

I applied for an assumption with United Wholesale MortgagesXXXX XXXX XX/XX/XXXX. The application package was sent via US mail and confirmed received by their customer services on XX/XX/XXXX. Additional documents were sent via US mail and confirmed received on XX/XX/XXXX. I was advised that the process should take at most 90 days to complete and my application was set in their records to be completed on XX/XX/XXXX. It is now XX/XX/XXXX and no progress has been made, proving by the fact that I still havent seen my credit being pulled to be considered. I called and emailed the company multiple times in the last 5 months and was told by customer services that their assumptions department doesnt have a direct number to contact. They do not reply to my emails. There is no way I can get a hold of them. Today I receive notification that my loan will be transferred to another servicer in a next 30 days. If this can not be resolved by then, XXXX have to start it all over again. I believe I have been outrageously ignored and deserve to receive response from the company regarding their decision on my assumption application in the next 7 days. Please let me know if you have any questions and I will provide right away. I really hope to end this soon with a proper response from the company.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XXXX XXXX the XXXX, I disputed a XXXX charge from XXXX  XXXX XXXX that I am not intended to purchase. But on the XXXX citi bank charged me the credit and on the XX/XX/XXXX they send me a letter said the dispute case is closed and I have to pay the money on XXXX.
Product: Credit card or prepaid card

I received my PIN for myreliacard to receive unemployment benefits on XX/XX/2020. 
Ive yet to receive the actual card and its been three months. Ive called the hotline and sat on hold for over two hours countless times. I called department of labor and they said they could not help me I had to contact the card company directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And all soft and hard inquiries removed aswell thanks.

15 u.s.c1681 602 A right to privacy 15 u.s.c 1681604 A agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the names below and contains erroneous details that do not reflect my financial history accurately. XXXX XXXX XXXX XXXX  and XXXX XXXX, XXXX XXXX Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. XXXX XXXX : This account is not supposed to be listed as " XXXX ''. This account is inaccurately listed as such. Payment status : This account is reporting as " Missed Payment '' on my report. Under the the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, you are required to investigate the disputed information. I urge you to take the following actions promptly : Investigate the inaccurate information. Remove the incorrect account from my credit report if it can not be validated. Correct my credit report accordingly and provide me with an updated copy. I expect these corrections to be made within the XXXX period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Money transfer, virtual currency, or money service

Today I was nearly the victim of a sophisticated fraudulent payment attempt using PayPal. I received a payment request via from someone named XXXX XXXX ( with email address XXXX ) for {$500.00} to my PayPal account, which generated a text and an email from PayPal and a note, which I thought was from PayPal with a telephone number ( XXXX ( XXXX ) XXXX, fraudulent ), and when I called that number, the person at the other end attempted to get me to download a file from the webpage https : XXXX to " verify '' my identity, which I did not do. So, I successfully avoided being a victim, but I am relatively savvy and nearly fell victim, so want to report it.
Product: Mortgage

I was XXXX XX/XX/XXXX and did not receive income for approximately 5 months. Suntrust placed my mortgage in their home preservation department. I have submitted the same paperwork numerous times and every time they need something else and then the packet expires. I sent 2 full mortgage payments 3 weeks ago based on what I was told by the company, wire to wire transfer, and I received the money back because they will only accept the full amount. I received a letter 2 weeks ago stating my packet was complete and this past Saturday I had to fax pay stubs and today I got a call stating I did not complete 1 of the forms correctly.
Product: Debt collection

I applied for a covid19 related personal loan from my credit union and was told I had a collection on my credit report. Waypoint Resources company, a company which collects debt for XXXX place an invalid debt collection for {$1200.00} which is not mine. I called XXXX and they have no info at all of any debt owed. This is unethical and fraudulent practice by Waypoint Resources to collect debt. I noticed this XX/XX/XXXX and Waypoint Resource posted this debt XX/XX/XXXX.
Product: Debt collection

The law firm sent a collection notice marked as SECOND NOTICE for a non-existing debt. No notice from the toll authority was ever received and no first notice was received from the attorney. I called the XXXX XXXX XXXX XXXX and it confirmed that the only amount ever owed was paid in 2019. No amount was sent for collections.
Product: Mortgage

In the beginning of XXXX I was pre-approved for a DSCR loan  to buy a XXXX XXXX XXXXby XXXX XXXX with First Community Mortgage after she had me pay XXXX for the appraisal. She quit she told me XXXX XXXX would be taking over, XXXX only sent 1 email then my agent and I couldn't get ahold of anyone as the closing date was approaching, XXXX XXXX said he would take over he reassured my agent everything would be fine. Then he put my file aside then after no communication for awhile My agent Called XXXX XXXX he was rude and could of cared less how long my funds were tied up or how stressful this was. He said he would fix it now that he got the file. I had to resend Paperwork in I did it and waited. 
Then we were close to closing and he put wrong loan number on something so it all had to go back to underwriter again. Long story short we went through 4 people lack of communication and putting the wrong loan number down I have my 2nd extension closing date tomorrow and haven't heard anything from the company. No reply to my email from XXXX XX/XX/year> closing date XX/XX/year> I have XXXX into this since XXXX my money has been tied up. I wanted to buy a primary before school started which is impossible now. They completely ruined mine and my XXXX XXXX whole XXXX  because of lack of communication. XX/XX/year> I was pre-approved it's now XX/XX/year> and I am supposed to close tomorrow with no communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Transunion, XXXX, and XXXX about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.
Product: Bank account or service

I received an alert that a credit inquiry was done by CBNA XXXX XXXX XXXX XXXX, SD from XXXX on XXXX XXXX 2016. I did not request this inquiry and I would like to know who requested it from CBNA?