23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is report erroneous things on my credit report. They have harassed, threatened me, called my work place and relatives on a debt I do not owe! I have written them 3 times asking for proof of debt and they have yet to provide me with ANYTHING. After calling XXXX and Experian the representatives told me the way they verified this account was by asking XXXX XXXX if the info is indeed true. All they did was ask and took their word for it! And they have yet to show me how I owe this debt! No PROOF at all! What a disservice they are doing to the public by blatantly admitting that they " take their word of the reporter ''. How are things ever going to get fixed if the person paying you is supplying incorrect info to my file and you just take their word for it!
Product: Credit reporting or other personal consumer reports

Experian failed to fullfill its legal obligations.
Product: Debt collection

The company that originally billed me for a hand brace did not give me an adequate amount of time between my first bill and sending my account to collections to file an appeal and get a response from my insurance. Benuck & Rainey has a record of being shifty so it's no surprise to me that they handle their calls and treat people the way they do. Somehow lowering a {$310.00} bill to {$250.00} ( for a {$20.00} XXXX  ) just to make it go away is acceptable to them. Neither the brace company ( XXXX XXXX ) or the collections agency ( Benuck & Rainey ) will even consider that they are in the wrong. I never got to talk with XXXX about the bill after the appeal because instead of giving time for people to go through the processes they're afforded with their insurance, they would rather ship the bills off to collections where they can take full advantage of people and no longer be able to offer them a personal pay rate as opposed to the higher insurance rate. Taking advantage of people who got injured and charging almost 1500 % more for medical equipment because they can't go home without it as opposed to going to the store to get the same equipment.
Product: Student loan

Fedloan servicing is not updating my progress towards PSLF. I have submitted two forms, most recently on XX/XX/XXXX certifying my employment at a qualifying employer from the months of XX/XX/XXXX - XX/XX/XXXX. Most of my payments were accepted. However, for some reason, the period from XX/XX/XXXX - XX/XX/XXXX was not counted as qualifying and is still listed as " eligible ''.
Product: Credit reporting 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. 

XXXXXXXX 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: Vehicle loan or lease

I have leased two Chrysler vehicles in the last few years a XXXX XXXX XXXX and a XXXX XXXX XXXX. 

- On the previous lease ( XXXX XXXX XXXX )  we were overcharged for a tax payment and ended up overpaying Chrysler Capital. I called and spent hours trying to get a mistake created on Chrysler Capital 's end sorted out over the last 18 months. 
- Because of a lot of back and forth, as well as misguidance from Chrysler Capital Allegiance Team, my account had a delayed payment on it in the amount of {$110.00}, which Chrysler Capital reported to the credit bureaus even though I did pay it right within 30 days ( we paid it once we had not heard anything back from Chrysler regarding overpayment ).

-After calling and explaining the situation ( as well as our perfect payment history ), Ive been told by Chrysler Capital Allegiance Team multiple times that this delayed payment would be removed by the credit disputes team but have yet to see this reflected on my credit report. 
- Last week, I was told previous associates " misspoke '' regarding getting the delayed payment being removed from the credit report and would be further trained and potentially let go Chrysler Capital has not only provided misinformation MULTIPLE times, which resulted in this dispute, but they have not removed this from my credit report as they have told me repeatedly they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reported dead to the credit agency and no matter what I do I cant get it fixed. Please help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Product: Payday loan, title loan, or personal loan

KLARNA denied me an extension of credit on XX/XX/2021
Product: Checking or savings account

Without any prior notice, TD Bank has frozen my account and not allowed me to make deposits or withdrawals. Since I opened this account, TD Bank has not sent me ONE single paper statement or allowed me access to my online accounts. They have hit me with numerous overdrafts fees and sent me no letters about these fees. In fact, the consumer agreement sent to me when the account was opened does NOT reflect the overdraft patterns. My attorney and I have already taken notice of TD Banks recent fines by the Federal government for misleading overdraft abuses against consumers. Back in early XX/XX/2020 I requested to have these overdrafts turned off and despite this TD Bank claims there is no such record that it was turned off and claims it was turned ON. This is an impossibility as the account was opened with overdraft services on. The lack of access to my account balance including through automated phone services has made it incredibly difficult to track TD Banks dishonest and abusive overdraft patterns.

If this freeze has anything to do with a prior checking account and credit card fraud from two older TD accounts, I would remind TD Bank that I have all documentation kept from those accounts in which TD Bank cleared me of any responsibility of those debts because of the fraud. And I have documentation from TD Bank acknowledging the fraud occurred because of a TD Bank error. 

It seems very clear to me that TD Bank continues to use abusive behavior that targets the consumer and attempts to back up its dishonest claims by using incomplete account notes from many different customer service representatives from a myriad of departments. Defaulting to any such notes to justify this abusive behavior is unacceptable Let me also make it clear : I do not care what records you have of any letters you have sent, paper statements included. I have never received them and yes my address on file is correct. I am legally entitled to these and shouldnt have to stop in a bank every single day to make sure TD Bank isnt stealing my money.
Product: Debt collection

On XX/XX/XXXX i received a text from Holloway Credit Solutions concerning a debt from the XXXXXXXX XXXX XXXXXXXX for {$300.00}. On XX/XX/XXXX, I called XXXX concerning the debt. I was told that I needed to contact the collection agency. I explained that under the FDCPA they were required to provide the information. The rep said that all supervisors were on vacation and would not return until after XXXX XXXX. On XX/XX/XXXX I sent an email to XXXX XXXX explaining that I had not received a bill or pre notification of impending collection efforts. I also explained that in XX/XX/XXXX, I sold this property and called the service to request a final bill and furnished a forwarding address. She refused to provide the information. I contacted Holloway for the information on XX/XX/XXXX but they have not provided it. I have also warned Holloway about this information being reported on my credit report. I am invoking my rights for proper notification under FDCPA for XXXX to comply with the law and provide the required information.
Product: Mortgage

We need your help. XXXX XXXX XXXX, sent us a letter in regards to removing our mortgage insurance. 

In the letter XXXX XXXX XXXX stated the following : 1. We could only use the improvements we made to the home in the last year.
2. We could not use current comps from the increased market.
3. We could not order a BPO for a valuation, but only could order a appraisal.
4. We could not remove the Mortgage Insurance if we were not at 75 %.
5. They quoted the appraisal to be {$470.00} and then came back and asked for {$250.00} more.
Product: Checking or savings account

My 15+ year checking account with ETrade ( now Morgan Stanley ) was locked without explanation. Upon calling I was told that I needed to provide identification and paystubs. These were provided and the account still remained locked. I called again, spoke to a woman by the name of XXXX XXXX who told me the account was locked in error and that we should have never had to produce the additional documentation. During the time the account was locked, a vendor payment and student loan payment from our checking account was rejected by Morgan Stanley, incurring a bounced check fee from the vendor ( which Morgan Stanley did reimburse ), however, the student loan company considered the bounced payment a " missed '' payment and moved the fixed rate loan to a much higher and floating rate. The number of payments on the loan went up from XXXX to XXXX, equating to {$2600.00} in additional fees that we will have to pay over the term of the loan because Morgan Stanley 's self-admitted error. They have declined to cover any of this new interest expense resulting from their actions.
Product: Money transfer, virtual currency, or money service

I'm waiting for Wise to reply me back to my email that i sent today but i am not wasting anymore time, waiting for the results whether its good or bad news. I was recently promised a refund from my seller and the total refund im expecting to get is XXXX PHP = roughly around {$30000.00} however i sent the money through wise for XXXX XXXX and i need to have the full refund asap even though the seller agreed to send me the refund but she wants to do it monthly payment installment which i did not agree because it is not fair to me and my clients to wait additional months and who knows how long she will take to send me the funds and i dont have that much time. I sent the whole funds to her right away and i expect to have the refunds to me back right away and not through payment plan. I just hope Wise will agree to issue the refund and work with my bank to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past month I noticed hard inquiries on my credit reports with the three main bureaus, XX/XX/XXXX, Experian and XX/XX/XXXX, which I have not authorized. 

In exercising my legal right under the Fair Credit Reporting Act, Section 609, to request information regarding said hard inquiries on my credit reports, I mailed details of each of the unauthorized hard inquiries to the respective credit bureaus. 

As per Sec. 609 of the FCRA, I am legally entitled to see the source of the information, which is the original contract that contains my signature. If the reporting agency is unable to verify the account with the original contract, containing my signature the unverified information must be immediately removed. 

Despite having been notified by me in mail with sufficient documentation substantiating my true identity, XX/XX/XXXX, Experian and XX/XX/XXXXhave all failed to remove the unverified information from my respective credit reports.
Product: Vehicle loan or lease

My XXXX XXXX XXXX loan was established in XXXX with Global Lending. In XXXX of XXXX I was advised that my loan contract ended in XXXX of XXXX but because I had XXXX deferred payments it extended my contract! I was advised then I had 80 days to pay XXXX I continued to make payments and asked then would my car be repossessed, I was told no. I have made payments and added more to my payments since XX/XX/XXXX. In XX/XX/XXXX my credit reporting company advised changes which was auto loan balance XXXX charge off. My title has not been issued and receive no information in writing regarding a repossession prior to XXXX XXXX when my car was taken. Global Lending states I still owe XXXX but payment history says XXXX but had made approximately XXXX or more since I was quoted XXXX in XX/XX/XXXX. They have repossessed my car illegally and are demanding XXXX by XXXX XXXX or it would be auctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I went online, to my Account, to see what the payoff amount was, on XX/XX/20, the early payoff was {$820.00}. I waited to check my account or call the company, to give my payment enough time to process. After I didn't hear anything, from them, I went back online, to check my payment, and it showed up. But it was still showing a balance, so I called the company, Sunday XX/XX/XXXX, I spoke to a representative, he stated he didn't see my payment, I said it's showing up on my online account, then he proceeded to say oh I see it. I asked why is there still showing a balance of, {$300.00} in the early payoff and showing scheduled payments, of XXXX. The rep stated that the XXXX is what I owed, so I asked him, if on XX/XX/20, the payment was {$820.00}, and that's what I paid, why is it a balance, he couldn't explain that to me, so he placed me on a long hold and came back and said, what we will do is refund your {$820.00}, to readjust your account, them get the {$820.00} back, I said no, that don't make sense. He said it should still be the XXXX something, after we adjust your account, I said no, you will keep my payment and close this account out, he kept trying to tell me they will refund, the money, I said no, you will keep the money and close the account, and if you all try to debit my account again I will take y'all to court, on XX/XX/2020, they tried to take the {$78.00}, that caused my account to be charged a {$35.00} Insufficient Funds fee, I called my bank to block them
Product: Prepaid card

Direct Express indicated that oreganos it was my fault and I must have sent my information to someone etc. etc. I barely could understand the person and when I asked him to repeat the information I was cut off and repeatedly disconnected after many hours. 

Finally, they told me that I had to first cancel the card and wait to het a new one to file my complaint. They said there was no time limit but I later learned that may not be true.

Then, I was told that I could not send all of the fraudulent charges by email and tonly by telephone. They were rude to me and would not connect me to the fraud department and would hive me no address to email the charges to and that I may not get my money vack retc. I am a XXXX retired XXXX trying to survive on the measly amount and they have disconnected and cancelled my card, Please help!
Product: Credit reporting or other personal consumer reports

about 10 years ago i lost my wallet and all my personal information was in there, ever since then someone has been using my identityand opening new lines of credit and using various address all around town and applying for credit and trying to obtain goods and services there many fraudulant address and many credit inquires currently being reported on my credit report
Product: Debt collection

Mr. Cooper Complaint This complaint against nationstar Mr. Cooper is for engaging in real estate mortgage backed securities fraud regarding property at XXXX XXXX XXXX At this time I am asking Mr. Cooper/nationstar only for two documents. 



# 1 the assignment of mortgage showing XXXX XXXX as trustee of XXXX pass through trust VI The owner of the mortgage. ( Please see Mr. Cooper letter dated XX/XX/XXXX signed by XXXX XXXX customer relations specialist. ) # 2 Please provide Assignment of Mortgage assigning mortgage to XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee of XXXX pass through trust X. ( Please see Mr. Cooper letter dated XX/XX/XXXX signed by XXXX XXXX customer relations specialist. ) Mr. Cooper states they have the collateral file and assignments so I am requesting only two assignments of mortgages on or about the closing date of these mortgage backed securities trusts that Mr. Cooper claims were the owners of the note and mortgage. 



So to clarify our request, we need XXXX assignments of mortgage and XXXX XXXX assignment of mortgage to the trust that Mr. Cooper claims they have the collateral file. 



Thank you very much for your cooperation in providing these two Assignment of Mortgage that I am requesting.
Product: Debt collection

This debt has already been previously disputed and deleted from my credit report. This company continues to sell this debt to other companies. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt  collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 
XXXX XXXX bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX SC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Exeter Finance ), has violated several of my rights. 
16 U.S.C 1681 section 802 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumor reporting agoney can not furnish an account without my written Instructions.

16 U.S.C 16868 : A creditor may not treat a payment on a credit card account under an oper-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WILL SEND YOU SOME UPLOAD PROOF THAT THESE ACCOUNT ARE NOT MINES AND NEED TO BE REMOVED TODAY .... 

XXXX XXXXXXXX XXXX XXXX THIS ACCOUNT ARE DELETED FROM XXXX   AND XXXX  AND THEY DONT BELONG ON HERE EITHER.!!!!!!!!!!!!!!! 

THE XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT LISTED KNOW WHERE ELSE ON MY CREDT REPORT AND IT NEED TO BE REMOVED NOW!!!! ITS NOT LISTED ON XXXX  OR XXXX AT ALL. 

FIX MY CREDIT SCORE BACK TO A XXXX AND ANOTHER THING I BEEN ASK EXPERIAN TO VERIFIED THESE ACCOUNT AND THE XXXX   SYSTEM THEY USED IS OUT DATE THEY KEEP SENDING THAT SAME ONE PAGE LETTER WE VERIFIED I ASK EXPERIAN GIVE ME THE NAME AND NUMBER OF THE PEOPLE THEY TALK WITH THESE COMPANY .. THEY REPLY AND SAID NO I TOLD THEM BY FARE CREDIT REPORTING ACT THEY ARE REQUIRED TO MAKE SURE ALL INFORMATION IS 100 % RIGHT NO ERRORS THESE ACCOUNT ARE DEAD WRONG PERIOD FIX MY SCORE BACK TO XXXX AND DELETE THESE ACCOUNT NOW