23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was checking my annual credit report and notice a derogatory mark on my report which dropped my score 50 points. After doing some investigating I realized it was from a debt collection company collecting a medical bill I owe. I was hospitalized in XX/XX/2018 and I had bills from multiple different doctors. I've paid so many different doctors for my time in the hospital so it looks like one doctor was missed. However I didn't receive proper notification of this debt or warning that actions against my credit score will be taken. I was on unemployment this year so I also was financially vulnerable this year. The action taken against me by this company is predatory and should be investigated. I will kindly pay the debt owe without any repercussion to my credit score which was unfairly placed. 

XXXX XXXX, XXXX dba Bureau of Accounts Control XXXX. XXXX XXXX XXXX, NJ XXXX Phone : XXXX Amount in question {$330.00} Derogatory marks reported to 3 credit bureaus. Credit score dropped 50 points Occurred XX/XX/2018
Product: Mortgage

well I lost my home 2017 BOA Transfer my loans services to different loans services entities and this is last i have XXXX XXXX XXXX XXXXXXXX this company and BOA never want to WORK WITH ME so my home was sold and me and my family become XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX  XXXX XXXX Balance : {$380.00} ; XXXX XXXXXXXX Balance : {$360.00}
Product: Vehicle loan or lease

premier auto credit trying to repo my car for fees although I have paid the primary loan off they refuse to work with me on fees owed and all of a sudden my primary balance states I owe {$11.00} I'm thinking they are putting this to have reason to repo cause although I paid XXXX dollars two weeks ago the 11 magically appeared again I told them can I make  arrangement for the fees they said no they also were very rude saying that they are not the cause of the pandemic and they didn't cause my XXXX XXXX. The also have sent text messages saying they hacked phones etc ... They are very rude when you're asking them for help to work out something. They call several times a day and when I answer no one says anything and when I call I get hung up on I owe a lil over XXXX in fees and I can get my title all I ask is if they can work with me and I continue to pay monthly until it's paid because right now I am on medical XXXX and I am not working due to health but I do get enough monthly to make the payments XXXX  don't think I can return to work until XXXX. Instead I get rude people on the phone when I do talk to someone. It's not like I'm trying to run from my debt I have paid every month for three years. I need my car my XXXX XXXX  are all out of this area I have children. They seem heartless I paid my principal off and more just keeps popping up.
Product: Student loan

XX/XX/XXXX I was contacted by XXXX XXXX of XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Fl. XXXX. At the time of phone contact I was beginning the process of discharge with XXXX. XXXX. My daughter receives federal SS XXXX as she is permentanly XXXX. XXXX indicated she knew of my situation and she worked as an agent for 1 ) XXXX the lender.2 ) The US Department of Education . She represented that the ONLY way to receive a discharge was to FIRST consolidate the loans. I subsequently received a federal form via email that had filled out by XXXX. I signed electronically and forwarded to the US Department of education. In XX/XX/XXXX Great Lakes loan servicing XXXX XXXX XXXX, XXXX Wisconsin XXXX allegedly sent me t a form via email that was the autorization to consolidate and select them as servicer. I DID NOT SIGN because I did not see it in my emails. When I received a statement from Great Lakes in XXXX. I called and was informed that I was now ineligible to apply for a discharge BECAUSE of the consolidation. When I explained I had not signed the autorization and would not have if I knew of the inelligibility to file a discharge Great Lakes indicated that because I DID NOT SIGN they were automatically selected and the consolidation completed and could not be reversed. I called XXXX and asked her how this could be. She was silent. I asked who paid you? She said the lender. I spoke to XXXX  ( XXXX XXXX the lender they stated no they do not pay third parties. I allege that XXXX was paid by Great Lakes and is running a criminal kickback and fraud. Why is Great Lakes permitted to assume servicing absent an affirmative autorization from me? I have been unjustly denied the right to apply for a discharge because of XXXX and Great Lakes. I have filed with the FTC and the US department of education. This requires investigation. XXXX on her web site claims the lender pays. She claims 15,000 satisfied students. She lied, misrepresented and should be held accountable.
Product: Credit card

Capital One denied my claim because I do not have a receipt showing the correct amount. 

On XX/XX/2024, I took a taxi from XXXX XXXX XXXX to the XXXX XXXX. Before entering the vehicle, I confirmed the estimated fare with the driver, and he quoted XXXX. Upon arrival at my destination, I again verified the fare, and the driver simply nodded without providing a specific amount. He then presented a payment terminal without a display and requested payment via XXXX XXXX. 
After completing the payment, I received a receipt showing a charge of XXXX. I immediately disputed the excessive charge with the driver, but he refused to adjust the fare or provide a refund. 
I understand that Capital One requires proof of the correct fare to submit a dispute to XXXX. However, due to the fraudulent nature of the transaction, the driver did not provide a valid receipt reflecting the originally agreed-upon amount. It is unreasonable to expect a formal agreement when hailing a taxi. 
According to the Fair Credit Billing Act, I believe I am protected from unauthorized charges. I have already submitted documentation reflecting the customary fare for this route, which falls between XXXX and XXXX. 

I attempted to file a complaint through a consumer protection agency in the XXXX. However, the website indicated that filing a complaint requires XXXX or XXXX XXXX citizenship. 
Therefore, I submitted a complaint email to the taxi company. They responded via email, acknowledging the excessive charge and stating they would investigate. Unfortunately, I have not yet received a refund or any further updates from the taxi company.
Product: Mortgage

I defaulted in my mortgage payment for some circumstances beyond my control. However, In XXXX XXXX, I requested for loan modification. Bank of America sent me the package which I completed, faxed them back and equally fedex original copies. They acknowledged that they received them. But since XXXX XXXX until today XXXX XXXX, XXXX, they have not made a decision on my case. In fact, they have continuously requested for the same very documents that I sent them from and by different department and from different locations. They do not return calls, and each time I called, it appears that I am starting a new process. No one seems to know anything about my account and loan modification application. Now to the extent that my property was foreclosed by the third party trustee behind my back. No procedural service notice was sent to me. When I found out and filed for the foreclosure to be vacated, the third party attorney in few words stated " we served them and that is all the law requires. '' But the law also requires that they verify the identity of the parties representing the debtor. That they did not do. Now, while Bank of America claims they are working to modify my loan, the third party law firm is busy foreclosing my property, which appears there is no communication between Bank of America and XXXX XXXX XXXX law firm. As it is now, my property is at the verge of been sold to foreclosure, unless there is an intervention. Please I need some help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This only the ended of statement I do have all related documents Description FDIC Sweep Interest Payment FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep FDIC Sweep Date Debit XX/XX/2021 {$18000.00} XX/XX/2021 XX/XX/2021 {$2000.00} XX/XX/2021 {$12000.00} XX/XX/2021 {$2100.00} XX/XX/2021 {$1.00} XX/XX/2021 XX/XX/2021 {$0.00} XX/XX/2021 XX/XX/2021 {$1.00} XX/XX/2021 XX/XX/2021 {$1.00} XX/XX/2021 XX/XX/2021 {$0.00} XX/XX/2021 XX/XX/2021 XX/XX/2021 {$1.00} XX/XX/2021 {$2000.00} XX/XX/2021 {$1.00} XX/XX/2021 {$25000.00} Credit {$1.00} Balance {$44000.00} {$44000.00} {$41000.00} {$29000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$27000.00} {$25000.00} {$25000.00} {$0.00} {$0.00} {$1.00} {$1.00} {$0.00} {$0.00} {$1.00} Deposit Sweep Activity These transactions reflect movements of uninvested cash to and from program banks. 
Description Interest Payment Closing Sweep Balance Total Swept Funds Date XX/XX/2021 XX/XX/2021 Debit {$410000.00} Credit {$1.00} {$410000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/XXXX, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX balance. 

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

Imagine my shock when we applied for a loan in XX/XX/XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mo Family Support Division is reporting on my credit file when in fact I have no contract, nor obligation to such debt. And no court order either, so I'm requesting physical documentation of such that bonds and binds me to this outrageous debt of {$36.00}, XXXX. 

Please remove / block this debt from my credit report.
Product: Debt collection

No contract with them. 
No idea what this is even suppose to be a debt from. Clearly isn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts multiple times. Ive filed a police report and filed complaints with the FTC. Experian has been extremely negligent in investigating this issue thoroughly. Experian has admitted that they receive all furnishings from XXXX. XXXX has investigated and and have found the inaccuracies placed on my report and have swiftly acted in removing the inaccuracies. Experian should do the same
Product: Credit card

I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.
Product: Mortgage

My wife and I rented out first home to a family that experienced a financial hardship ( medical and unemployment ) XX/XX/XXXX. We contacted SPS concerning the payments and informed them of the lack of rental income. We filed a RMA as suggested for a short sale of the property. We were approved in XXXX after completing all the documents. The realtor was appointed by SPS that we contracted with. XX/XX/XXXX a contract was signed and slated for closing late XXXX. When the time came to close the realtor informed us that SPS had denied the Short Sale because the RMA needed to be applied for again. The docs were completed once again. We have had at least 4 closing dates that have not come to fruition. Each time a phone call has been made, there is always different information that is conveyed. The realtor has worked with SPS on several short sales and this by far was her worst. She has constantly received the run around with them also. The amount of the sale would cover the balance ( including the excessive interest that was tacked on ). But their findings was that the house was worth more according to their drive by  assessment. A foreclosure was scheduled for XX/XX/XXXX at the same time we were informed of a closing date of XX/XX/XXXX. Two days later after receiving certified mail from attorney stating date of foreclosure SPS mailed a letter that the house was taken out of foreclosure. The realtor was waiting for one form from SPS so that the house could go to closing. After calls were made on XX/XX/XXXX we were informed that the house is slated for foreclosure once again XX/XX/XXXX. When we inquired about modifying the loan ( which has a rate of almost twice the National average 7.9 % ) we were told that there were no more options other than bring the past pmts current of {$15000.00} or the payoff of {$150000.00}. The contract from the buyer was {$150000.00}. When asked reason for the denial, the only response is that the investor made a business decision. We truly dont understand the reasoning for all the back and forth for over 7 months. Each time we speak with a relationship manager there is no resolution. We believe that SPS wanted the home to be foreclosed so that their business decision would generate a uptick on the sale ( in an area that has recently seen new homes construction in the mid to upper $ 200s.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending upon portfolio recovery and XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I experienced life changing complications due to contracting XXXX ( see proof of XXXX XXXX test results ) and was unable meet a lot of my financial obligations on time. After fully recovering, I was informed by church pastor that credit card companies were providing customers who experienced financial hardships due to XXXX, accommodations to remove the late payments under the CARES act. 
In XX/XX/XXXX I contacted both my credit card companies ( XXXX XXXX and XXXX ) and explained to the representatives that during the time the payments were due I was severely ill with XXXX and unable to fully function on my own and asked would they provide me a courtesy to remove the late payment from my consumer report due to me being ill with XXXX. 
Both companies ( XXXX XXXX and XXXX ) agreed to remove the late payment from my consumer report. XXXX XXXXXXXX sent a letter to all three consumer reporting agencies immediately requesting to have my payment history corrected and updated ( see proof letter from XXXX XXXX to consumer reporting agencies ) and XXXX even sent me a check in the mail to refund me for the late fees that I was charged due to the late payment, because once the late payment was removed It would be impossible to still charge me late so they refunded me the late fee I was charged. ( see proof of refund of late fees ). Although XXXX ageed to remove the XX/XX/XXXX late payment from my consumer report, and also refunded me the late fees associated with the late payment from XX/XX/XXXX they are refusing to update my consumer report to reflect the changes they made to my account by providing this courtesy adjustment accommodation. I have notified XXXX on numerous occasions of their legal obligation to adhere to the FCRA/CARES ACT section. 4021 CREDIT PROTECTION DURING COVID-19. 
How is it humanly possible for XXXX to make a " courtesy adjustment '' by waiving a late fee directly related to the XX/XX/XXXX late payment, and then state that they stated they will update my account to reflect the adjustments made, but then refuse to update my consumer report also. They made changes to my account directly related to thta late payment information. 
At this point this is not only blatant disregard for me as a human being but also for my rights as a consumer, and the laws that have been put in place by CONGRESS to protect those that have been impacted by XXXX during these tragic times. Please assist in enforcing the law and rectifying this ongoing issue. 
I want this negative late payment from XX/XX/XXXX deleted from my consumer report. And i want XXXX to pay me {$1000.00} for violating my rights and willfully non-complying with the FCRA / CARES ACT.
Product: Credit reporting or other personal consumer reports

The late payments on my account do not correspond with my typical payment history.
Product: Student loan

while attending   XXXX   XXXX   XXXX   College my loan originated with   XXXX   XXXX  . somehow my loan servicer changed to Navient ( major Problems ). My loans totaled ONLY around 33,000 i had to complete paperwork in 2014 to  tfr  to Navient. i was told by Navient the FIRST paperwork was incomplete to process it again. so i did ONLY to find out that Navient processed both applications TWICE therefore leaving me with a debt of  XXXX  I have spoken to them i have faxed proof from   XXXX   XXXX   i have faxed financial records from my college and they insist on me paying   XXXX   to them for a school which only cost me maybe 22,000 plus part of my education was subsided by my employer they in turn sent my loan to   XXXX   XXXX   with the continued debt of   XXXX  . i contacted  XXXX  and they right away spotted the error. i feel that Navient is prejudice towards servicing me assistance in this matter they have blemished my credit they have caused me to incur higher insurance and higher loan rates. My  XXXX  is beyond what you can believe i am receiving demand payments of   XXXX   per month in which i can not afford on a salary of  XXXX  i really need someones help next i will be garnushed because of someones elses error .... please help me .... my contact there was   XXXX   at   XXXX   XXXX   XXXX    also a lady named   XXXX   .... and now they have blocked my calls all together  ...
Product: Debt collection

XX/XX/2020 Received a second notice, on pink paper this time, demanding to collect a debt for civil penalty ( traffic violation ) of {$200.00}. The notice has 3 different PO Box addresses across 3 states. The town the violation is listed for, does not have a Washington state address. It includes a website XXXX and a number XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries listed on my consumer report. 
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: Debt collection

I am filing this grievance as Ive exhausted communication attempt with ConServe. I created an account to monitor my credit and was alerted to a collection from ConServe that I had no knowledge of as Id received no communcaiton attempts via USPS mail or phone call ( s ). Due to this, did not obtain the full statutory period that would have allowed me to dispute the validity of the debt in question as I did not receive any initial notification regarding the debt prior to the update with the bureaus. Being a Veteran, the GI Bill should have addressed any debts in question for said balance. However, in my haste due to the collection alert, I reached out to ConServe and made the payment with the intent and understanding the collection would be removed from XXXX, XXXX and XXXX on XX/XX/2022 in the amount of {$3700.00} ( account number XXXX ). However, ConServe only updated the bureaus to paid status and did not delete their collection record, which was the agreement. I would like this collection removed from my credit profile post-haste with the bureaus due to erroneous & misleading collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-buyer for an account with XXXX XXXX ... XXXX continuously reports to the credit bureaus late pays that are incorrect ... I have had this problem for a year and a half and after several disputes that had them remove these improper reportings Im still fighting this..this seems to be an intentional issue and they seem to re-report the bad info a month or two later after they have been made to correct it ... I would like for them to no longer report to the credit bureaus based on the fact that I feel that Im being purposely targeted and harassed ...