23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Leased vehicle was totaled XX/XX/2022. Vehicle was fully insured with XXXX and they sent original settlement offer and explanation XX/XX/2022. I continued to make payments so that XXXX would not report negatively to credit bureau agencies and was told that the overpayment would be credited from XX/XX/XXXX. 

Kia Finance has continually caused delays in processing paperwork and failed to acknowledge when paperwork or responses were sent. XXXX made adjustment to the settlement offer in hopes of XXXX just pushing approval through and getting the lease paid off. They sent additional offers for processing on XX/XX/2022 and again on XX/XX/2022 when XXXX filed respond. We, XXXX and myself, called XXXX via three way call on at least 4 occasions during this time to inquire and resent the settlement offers as they requested. Each time we were told it would take XXXX days to process. 

Claim was finally accepted on XX/XX/2022. Payment was accepted by XXXX on XX/XX/2022. 

I called XXXX for a status update on XX/XX/XXXX and was told it would take XXXX days to process the payment, close the account and issue my refund for overpayment. 

I called XXXX for a status update on XX/XX/XXXX and was told it would take XXXX days to process the payment, close the account and issue my refund for overpayment. 

There was no reason or explanation given for the delay when asked. 

As of today, XX/XX/2022, XXXX has still not processed payment or closed out account. They have made a partial refund on my overpayment, but still owe me a little over {$500.00}. They have continued to report this as an open account. 

I was told it would take another 2-3 days to process.
Product: Debt collection

A few years ago my husband and I went through a bankruptcy. After the bankruptcy was dismissed I received 2 bills from NAR requesting payment. I contacted them immediately and let them know they should have been covered in my bankruptcy. They told me to contact my attorney and find out if the debts are owed. I reached out to the attorney which took a while, but he stated that one of the bills they were trying to collect was in fact included in the bankruptcy however the other was not and I needed to make arrangements to pay that one as it was for a date of service a couple days after filing. I again contacted NAR and shared the information I had obtained. They said, " sorry '' for the " mistake '' of trying to collect on the debt that was dismissed and gave me the balance on the other which included several fees and negative credit reporting. I told them that they made the mistake to collect on a discharged debt and I made a mistake by thinking they were both in the bankruptcy however I had contacted right away and disputing those and now trying to make that right. I felt it was fair that they remove the fees and negative credit reporting. I was transferred to several different employees and back again. For at least 3 years now I have called off and on to try to get this debt settled and removed from my credit. Each time I go through their transfer game, get a voicemail that is never returned, and a promise for supervisor review and a call back within 48 hours that is never returned. I sent an email over a year ago regarding the situation and telling them I was going to file a complaint that they continue to report on my credit but on not following through to allow me to properly manage the debt, not returning my calls when I have been told it is noted in the file several times. Same thing, calls and promises of call back with nothing. They never sent me a bill in the mail since the one that raised the question to begin with and have not sent anything since. They just continue to refuse to have their upper management review the file and come to a solution since they obviously made mistakes that violate the debt collection act as well. Now they continue to cause harm by reporting and not returning calls I am making to them. They also at one point did offer me a settlement that took a portion of the fees they have added off but told me they could not put it in writing for me that it would satisfy the debt in full. Another issue since this company apparently can not be trusted to keep their word and not engage in shady collection practice. I would like them to provide me a copy of all of the file notes from representatives from the date that they opened the file. I also have copies available of the bills they sent available upon their request.
Product: Debt collection

The collection agency is called CACH , LLC. Several years ago, they sent me notification of collection for an account I did not open, or do not recognize. They claimed I opened a credit card with XXXX XXXX. When attempting to contact them for more information, they did not answer and did not return my message. They continued to send me collection notices but would not answer my attempts to contact them. I was then sent a summons to appear in court, and I remember the court date being for XXXX. Since they were not answering my calls, I wrote them to get the information about the account I allegedly opened. They did not provide any requested information and only responded that I have to pay the amount they require. Then I received notice that I lost the court case after not showing up in court in XXXX ; the court date had been changed from XXXX to XXXX and I was not sent any notification of this. ( " Playing dirty '' as the expression goes. ) In the judgement itself, they provided false information regarding the communication. Over the years since, they have sent garnishment notices to my employer. I have had money garnished from my checks and then refunded back to me ( apparent legal action against Cach? ), and then later garnishments started up again, stopped with no explanation, and start up and stop again. I have documented that at least {$950.00} has been garnished recently and stopped without explanation, and the judgement is still out there against me though I have not withheld funds. My employer does not have an explanation either. CACH still does not answer when I attempt to contact them. They are maintaining an unpaid judgement against me but are not continuing garnishments and are not showing any record of the funds they have taken.
Product: Money transfer, virtual currency, or money service

I continue to get overcharged for services not provided to me by XXXX. they do not allow you to call them..they do NOT respond to emails and they continue to over charge each transaction by at least 3 % I have reached out multiple times abut have NEVER heard back from them. 

they deny you access to call them and it is beyond frustrating it is as they are stealing your money in the bright day light and you cant do any thing about it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding two unauthorized hard inquiries that appeared on my Equifax credit report without my consent or knowledge. The details of the inquiries are as follows : Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Inquiry Name : XXXXXXXX XXXX  Inquiry Date : XX/XX/year> I did not authorize these inquiries and was unaware of them until I reviewed my credit report recently. I have not applied for credit or interacted with these companies during the periods in question. These unauthorized inquiries have negatively impacted my credit score. 

In response to discovering these inquiries, I took immediate action. I filed a report with the Federal Trade Commission ( FTC ) and have contacted Equifax directly to dispute these inquiries and request their removal. I am seeking assistance in investigating how these inquiries were initiated without my permission and having them removed from my credit report. 

These inquiries have caused undue harm to my credit, and I would like this matter to be resolved promptly. 

Thank you for your attention to this issue.
Product: Credit reporting

On Equifax it shows address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived there. It is the home where my ex-wife moved into after our divorce. Please advise. 

Thank you, XXXX XXXX
Product: Mortgage

My loan recently transferred from XXXX to Mr. Cooper. Mr Cooper neglected to pay the insurance renewal, of which resulted in it being cancelled with no option to reinstate. The ins rep acknowledged that they rec a notice of cancellation yet did not remit payment so that the cancellation could be avoided. I have been communicating with both Mr Coopers customer service department and insurance department to no avail. I have even tryed to obtain the assistance of FBs online service representative. Its as though no one cares. 

The policy canceled on XXXX/XXXX/XXXX and I am still without insurance. 

Mr. Cooper, formerly known as Nationstar Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  foreclosed on my home in  2011 . I was part of a class action suit against them and received a very small amount of money as compensation. I have sent various letters to  XXXX  and to the  XXXX  major credit reporting companies.  XXXX  sent me back a letter stating they could not locate my account and asked that I provide them with validation information and copies of my credit report. I then sent a letter to  XXXX ,  XXXX , and Equifax -- disputing that  XXXX  could not validate my account.   XXXX   removed the foreclosure from my credit report.  XXXX  and Equifax have not.   Thank You
Product: Credit reporting or other personal consumer reports

Under the FCRA I have the right to appeal information that is incorrect and the result of fraudulent activity. These hard inquiries are not correct and are fraudulent % 100. This has completely been a violation of the FCRA. 

All HARD INQUIRES LISTED BELOW TO BE REMOVED IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I bought a necklace valued at {$4000.00} from XXXX XXXX XXXX XXXX using my Robinhood card. Unfortunately, the package was lost by XXXX, and after an investigation, XXXX confirmed the loss. XXXX requires XXXX XXXX XXXX XXXX to file certain paperwork to proceed with the claim, but XXXX XXXX XXXX XXXX has refused to submit the necessary documentation. 

I disputed this charge with Robinhood and provided all supporting evidence, including : The XXXX claim confirming the package was lost. 
My communications with both XXXX and XXXX XXXX XXXX XXXX. 
Proof of my purchase and non-receipt of the product. 
Despite this, Robinhood denied my dispute without providing a clear justification. This decision has left me without the product and out {$4000.00}, with no further recourse. 

Communications with Robinhood : I initially filed the dispute on late XXXX, and after several back-and-forth communications, Robinhood closed the case XXXX favor of XXXX XXXXXXXX XXXX XXXXXXXX , despite the evidence showing that UPS confirmed the package was lost and the retailer has failed to take responsibility.

Impact of the Issue : As a result of Robinhoods handling of the dispute, I have suffered a financial loss of {$4000.00} for a product I never received. This has caused significant distress and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue I am having is with the credit reporting agency Experian. I have submitted three separate disputes regarding a collection account from XXXX XXXX XXXX XXXX. I have gone through debt validation with this collection company over a period of several months and during this time, the collection remained on my report. XXXX XXXX did not provide me the information I requested during the validation process to demonstrate that the debt was valid. I have since disputed with Experian once in late XX/XX/2018, once in XX/XX/2018, and once again in XX/XX/2018. Experian keeps verifying the account despite the fact that the collection agency is required to cease collection activities ( such as credit reporting ) during the debt validation process and was also unable to validate the debt. The collection account remains on my credit report today and it is inaccurate. XXXX has already deleted this account and XXXX is still in the process of investigating it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX with account # XXXX is stating I owe {$2100.00} because they are adding a collection fee of {$150.00}. Now they have went an put on collections as I owe {$2300.00}. Yet, when called I was directed to a collection agency. They are Mrsbpo XXXX act # XXXX stating the same amount of debt on file with XXXX . The collection from XXXX is one reporting imporperly as it should be Mrsbpo XXXX furnishing on my credit file and XXXX would technically be a charge off account. Yet, heres the kicker... ..Mrsbpo is part of XXXX. I noticed that I had a collections once it hit all three of my credit files. I was not sent anything to dispute this debt an be givin 30 days. They are now violating many of my rights under the FCRA because not only are they furnishing incorrectly and I have right to 100 percent accurate credit file at all times they now added fees for collections that in which is aginst the law. But doing as if its XXXX but its for Mrsbpo. Also after seeing they put on credit without validating or sending me anything they then sent me a dunning letter with ofcourse more violations to count! XXXX didnt even send the proper validating papers. I was one piece of paper. I called to request where they came to amount as I need an itemized bill to explain and the papers they sent make no sense as im not sure where amounts are comming from. This account needs deleted due to many violations to my rights. Both accounts are not accurate and clearly cant validate properly the debt and I want deleted and for Mrsbpo to handle the invoice within the thirty days as I have the right under the FCRA.15 USC 1692f ( I ) unfair practices XXXX Violated- paper dont tear to send in amount Violated proper furnishing of credit file Violated adding fees to a debt bought out Violated communications to validate before furnishing file Violated still being on credit file while being disputed threw below account that's actually XXXX account.

Mrsbpo Violated- Dunning letter symbols Violated where paper dont tear for amount Violated claiming a debt when I didnt get to dispute when stating XX/XX/2023 Violated being as they will accept money but check to be made out to XXXX and manyyy manyyy more violations thats on the invoice. 



wont allow me to add more photos*** I have more of the documents if needed but I think these should be sufficant enough
Product: Student loan

I believe that I meet the eligibility requirements put forth in the recent Navient Settlement that was announced earlier this year. However, when I attempted multiple times to discuss this with Navient and explain to them that I meet the requirements for cancellation of my loans, they tell me that Im not, but without providing me with a clear reason/explanation as to why Im not able for loan relief. I relied on the following information from the multi-state Navient Settlement information released online that states the following : The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # ( XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( XXXX ) ( XXXX ) and ( Transunion ) are in serious violation also. XXXX, XXXX and Transunion fraudulently furnished account XXXX XXXXXXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted. 
( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.
Product: Mortgage

I have submitted multiple complaints against Specialized Loan Services, LLC ( SLS ). My account has been grossly mismanaged since they assumed responsibility for servicing it. I am told one moment my account is current and then I receive past due notifications. I have spoken with multiple people at SLS over the course of over 2 1/2 years and today again ( XX/XX/XXXX ) spoke with multiple SLS representatives and was told different scenarios about my account ... I 'm current, I 'm past due, they need to do more research. I was told on XX/XX/XXXX by XXXX in SLS 's Executive Branch that my 'missing funds ' were found and a letter was mailed to me on XX/XX/XXXX explaining everything and verifying my account is current. However, to date, I have not received any such letter but continue to receive weekly past due notices. I have paid {$520.00} toward extra principle and never have those funds been acknowledged or applied to my account. SLS is not transparent in the handling of my mortgage payments. In addition, due to their mishandling of my account, my credit report has been affected negatively. This has been going on for over 2 1/2 years and I need SLS to be transparent and be held accountable for what they are doing ( or NOT doing in this case ).
Product: Debt collection

Portfolio Recovery Associates garnished my checking account for a XXXX XXXX XXXX credit card debt. I have never heard of this company, nor have I ever had any type of credit with them. The debt is from XXXX.
Product: Credit card or prepaid card

I had an existing account with XXXX - XXXX XXXX - XXXX XXXX. They recently went Bankrupt and closed ALL accounts. Since this happened my credit score dropped 30 points!!!! 
I can not understand how this should affect the card holder when we have no control. I have an excellent credit score. Was XXXX and dropped to XXXX. 
How do we fix this? This is totally out of a consumers control, but we shouldn't have to suffer the consequences of an account going bankrupt!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was made aware of my credit report through XXXX XXXX that I was delinquent in two payments to CapitalOne. However, it wasnt my lack in not paying it was purely a misunderstanding. My account was normally being withdrawn each month with my set payment of {$100.00} as my minimum balance due previously was around $ XXXX {$30.00} per month. 
I have been trying to improve my credit score ( which was XXXX ) further by having better revolving credit use however my min balance had risen over the excess of what I was additionally paying. I've never, ever in my life had something like this happen and I also have never ever missed a payment. This is why I was unaware of any issues and CapitalOne was accepting and processing my {$100.00} payments each month even during my " delinquency. '' They have reported to credit bureaus that I missed 2 payments but they did in fact accept and process my monthly auto payments so that information is incorrect. I have since paid the remaining money and also paid the card off in its entirety. 

I wrote CapitalOne with this information, printed evidence, etc. and I received a response letter from them on XX/XX/22 that states they are required to report the account history accurately and they are unable to change their reporting on a courtesy basis. I completely understand that however, they still accepted and processed my payments so that information is not correct that I completely missed or was delinquent on paying. 

My credit score due to this has dropped over 140+ points and its detrimental to me.