23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have one 30 day late on my credit from a XXXX XXXX credit card that I've had in my name for over 8 years. This allegedly occurred in XX/XX/2022, while the world was in the midst of the pandemic. I was never notified of this late and to my knowledge have always paid my credit card on time. Over the last six months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called XXXX XXXX probably 5 to 10 times and repeatedly was assured they would correct the 30-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed. I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. I'm simply trying to get this one incorrect 30-day late payments ( from XX/XX/2022 ) removed from my credit. I'm currently pregnant and this incorrect information from XXXX XXXX is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining a necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want XXXX XXXX to correct this.
Product: Debt collection

On XX/XX/2019 - I negotiated with XXXX XXXX   Associate - XXXX XXXX a fair and reasonable agreed upon lump sum of {$500.00} to settle in full a {$690.00} debt that XXXX XXXX XXXX, XXXX ( XXXX ) claimed I owe. This lump sum payment of {$500.00} was in exchange for XXXX to settle my account in full for less than the full balance of the debt XXXX owns and to request the credit report agencies to delete XXXX from my account with credit bureau report. 

The settlement agreement between XXXX - XXXX XXXX and I on XX/XX/XXXX with confirmation number XXXX was documented, accepted and paid in accordance with our agreement. On XX/XX/XXXX - I received and email from XXXX stating that Customer Care Representative that I chatted with can not assist with payments or negotiations. The law states - It is illegal for collection agencies to lie, make false promises and negotiate in bad faith to trick consumers into paying an agreed upon lump sum by falsely claiming to settle a debt in full and it is required by law after accepting less than the balance owed as payment in full.
Product: Student loan

My father filed for bankruptcy last year. When this happened access to my student loan account was taken away because he was a cosigner on the account. When I submitted a cosigner release for it took them several weeks to get back to me with a decline. They told me it was declined because it was in bankruptcy but I am not the one in a bankruptcy, my father is. The only way to make payments now is to call in every month and I don't even know how much I owe. They also continue to accrue interest on my loans.
Product: Bank account or service

I 'm writing to complaint about my capital One Essential checking account ending # XXXX. Capital One offered me this promotion " open an Essential checking account and after XXXX mobile deposits, your account will receive a bonus credit of {$200.00} '' XX/XX/XXXX, I walked in Capital One branch located at XXXX XXXX and XXXX XXXX in XXXX on XXXX/XXXX/16 and Capital One reps confirmed this offer and opened the Essential checking account for me right on spot, I immediately deposited XXXX checks via Capital smartphone app, and Capital One reps confirmed I 'm already qualified for this bonus offer of {$200.00} - they told me there was nothing else I needed to do, I just need to wait for this credit to show up on my statement. 

I waited until XXXX/XXXX/16, no credit, I emailed capital One, no response. I waited until today XXXX/XXXX/16, still this bonus deposit was nowhere to be seen, thus I have to file this complain, as I feel Capital One stated the credit is automatic within 6 weeks, and 6 weeks had already passed. They only cared for customers when new customer walked in branch to open account, once we becomes customer, they no longer answers email requests, and totally ignores existing customers ' concern.
Product: Mortgage

I fully manage my mortgage online. My online account disappeared early in XXXX. I tried to setup a new online account using my social security number, but the system could not locate me. So I chatted with an agent online, to request my loan number. They were unable to provide me with my loan number, because they also could not locate my account using my social security number. The agent told me that this was my issue because I didn't have my loan number. However, they couldn't locate my account using any of the personal information that I am provided them. I am making monthly payments ( interest/principal/taxes/insurance ), and have no way to verify where they are applying my payments. 

The company also never sent me a hard copy 1098 in the mail. 

Mr. Cooper bought my loan from Homepoint. I can get original loan number from closing docs, but Mr. Cooper still can not find loan that way either. 

Thank you XXXX
Product: Student loan

In XXXX XXXX, I incidentally signed a student loan with XXXX XXXX, which later became Navient, for continuing my adult bachelor studies. In XXXX XXXX, while still active with school, Navient started billing me for loan repayments. I 'd updated them on my schooling status, but they insisted there was no record that I was a student, so inevitably they contacted the school for verification, and from thereon there was no further communication. 
In XXXX XXXX, Navient started billing me again, and I updated them that I was still in school, and they told me I was required to send them a forbearance request for postponing my payments for a couple months. I told them that school did n't end until XXXX XXXX, and they insisted they were in the right to bill me for loan repayment, and gave me the runaround about filing yet another forbearance request. I refused and did not return their calls afterward, considering their behavior harassment. 

Navient contacted me yet again, in XXXX XXXX, about repaying my loan, even though I was still in school, and I told them I would file harassment for fraud, if they did not stop. There was no further word from them until XXXX XXXX, when they hastened me to start repaying my student loan. I was incidentally unemployment at the time, so I tried filing an unemployment deferment, and they told me I did not 'qualify ' as supposedly I 'd exhausted such benefits, from back in XXXX. Well, I contacted the Federal Dept and the Federal Loans about the matter, and they told me there was no such thing as 'exhausting unemployment ' benefits for deferment. 

So basically Navient lied to me, and I insisted once again that I wished to file an unemployment deferment, and they refused, once again insisting about the exhaustion excuse. Then they proceeded with the runaround about me submitting deferments and forbearance, to see which one I " might qualify for ''. Well I wasted my time doing that, just to keep them at bay. Their website is disorganized, half the links did not work, or rerouted me to other irrelevant areas, and basically was determined nonfunctional. I did manage to upload one short term deferment and a regular forbearance request, and weeks later Navient claimed they could find no record of these uploads, when I had the receipt copies and the emails to prove they 'd been received. 

This matter went on for some time, between XXXX XXXX and XXXX XXXX. Navient continued to call and harass me that I was going " default '' on my loan repayment when I was not. And again, they wasted more of my time, running me around with resubmitting forbearance and deferment requests. To this day I have not made a loan payment because of their deceptions and harassment practices.
Product: Credit reporting or other personal consumer reports

XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX LVNV Funding XXXX, SC XXXX Subject : Cease and Desist Unauthorized, Unverified, and Harassing Debt Collection Activities Dear LVNV Funding, I am writing to formally demand that you immediately cease all collection activities related to the alleged debt you claim I owe. Your repeated violations of federal and state laws governing debt collection have caused undue stress and disrupted my daily life. 

Violations of Federal Law : Failure to Verify Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide written notice of my right to verify and dispute any alleged debt within 30 days of your initial communication. You have failed to comply with this requirement, and yet you have reported this alleged debt to credit reporting agencies.

Harassment by Telephone : Your company has repeatedly contacted me outside of business hours and multiple times a day, which is a clear violation of the FDCPA, 15 U.S.C. 1692d ( 5 ). This section prohibits behavior intended to harass, oppress, or abuse, including making repeated calls or contacting a consumer at inconvenient times, defined as before XXXX XXXX  or after XXXX XXXX  local time. 

Violations of Texas Law : Additionally, I have discovered that your company is not registered with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) to collect debts in Texas. This violates Texas Finance Code 392.101, which requires that third-party debt XXXX be bonded and registered to legally collect debts within the state. 

My Demands : In light of these violations, I demand the following actions from LVNV Funding : Cease All Communication : Stop all attempts to contact me, whether by phone, mail, or any other method. 
Remove Reporting : Immediately delete all references to this alleged debt from my credit reports with XXXX, XXXX, and XXXX. 
Provide Verification : If you believe the debt is valid, provide proper verification in compliance with both federal and Texas laws. 
Acknowledgment of Compliance : Provide written confirmation that you will cease all further collection activities and that this matter is resolved. 
Failure to adhere to these demands will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Texas XXXX of the Attorney General, and other relevant regulatory bodies. I also reserve the right to seek legal remedies for statutory damages, attorney fees, and other costs resulting from your unlawful conduct. 

This letter serves as your formal notice to cease and desist. Any further attempts to contact me outside of the parameters set by law will constitute additional violations, for which I will seek legal recourse. 

Please direct all future correspondence regarding this matter to me in writing at the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had my identity stolen approximately 5 years ago, the person involved applied for multiple credit cards in my name and one of them was a Pay Pal Account they created and opened a credit card. I had called XXXX or one of the major credit companies to tell them about this and that I had not indeed been involved. Back then, they had sent me copies of the charges. It was not my address, nor had I opened up a credit card. I didnt even know I had a credit card open, however, all of this has been removed off of my credit report. Fast forward, and I try to use pay pal because its one of the only services that is offered to get compensated for working. Otherwise, you have to wait 20-25 days for your check! 

The representative said I was not able to use the services again because of this! How can I not use their services when it wasnt even my fault that someone had opened up credit cards in my name?
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1100.00} XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX : A.R.M. Solutions, XXXX, CA, Phone XXXX I talked with Small Balance Department Manager, XXXX, ID # XXXX on XX/XX/2019 at around XXXX XXXX. ET. 
They sent a collection letter on XX/XX/2019 stating that I owe {$45.00} to XXXX XXXX ( newspaper ),. Subsequently the charge was canceled by the XXXX XXXX after my discussion with them. XXXX says my account is closed. I requested a letter verifying that the account is closed, but the manager said she can't send it. I need something in writing that this matter is closed, in case this issue shows up on my credit report. 
Please help how to get that the account is closed in written form.
Product: Credit card or prepaid card

I have many XXXX credit cards that have been opened since my bankruptcy in XX/XX/XXXX. I have NEVER even been 30 days late on a payment with any of my cards. I went through a divorce in XX/XX/XXXX and my credit was affected, however I have worked hard to reestablish credit. I have been responsible and have always paid on time. XXXX for what ever reason has decided to lower my credit lines and even close some of my accounts. The reason given on the letters is bankruptcy and high balance. My high usuage is reflected as a result of them lowering my available credit for no reason other than because they felt they can. My bankruptcy was in XX/XX/XXXX which was prior to all of my XXXX accounts even being opened and as I said I have never been late on any payments. I do not feel it is best practices to randomly lower my credit lines when I am paying all of my accounts on time and no new purchases were being attempted. This has caused my dti to go higher and my credit score to continue to drop as a result. It should not be legal to lower an established credit line because of information reporting on my credit bureau that was reporting when the account was opened and given credit line increases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a college in XXXX XXXX florida XXXX they closed bankrupted before I could finish I tried to transfer no one would take the credits stated that the loan was given to non credited teachers. Not sure but I know I did not get what I paid for. But in my credit report the loan is over and over it started XXXX XXXX then it moved to XXXX XXXX XXXX now its sometibg else. The loan is from 1992. It has put more weight on me keeping me from getting loans jobs a home. Because its on my report over and over. It says on my credit report I took the loan out when I was XXXX years old. It has I owe XXXX for a XXXX XXXX that I never was able to finish nor had enough knowledge to even get a entry level position. I paid XXXX XXXX   a year and a half and its just as bad as before but even worse now
Product: Debt collection

Called old family members threatened them and advising they Ned to pay XXXX debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail
Product: Checking or savings account

I did not authorize Tomo Credit to take these funds from my account as the subscription ( Request # XXXX ) was already canceled on XX/XX/year>. They removed funds on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00}
Product: Checking or savings account

My name is XXXX XXXX live at XXXX XXXXXXXX XXXX XXXX, MD XXXX, Phone number XXXX. I filed my income tax returns for the XXXX  tax year and my tax preparer accidentally entered the wrong account number. The money was sent to Bank of America ; state sent {$4500.00} on XXXX  XXXX and IRS sent {$7100.00} ( this is adjusted returned ) on XX/XX/XXXX. When i noticed the state refund did not show up after a couple of days, I called my tax preparer and went over the banking info and noticed the error. I called bank of America a few days after the state refund was issued and was supposed to show up in my bank account with 24hrs but did not. I was told to give a couple days and that the fraud detection system was going to alert the them and they will return the refund to the state. That could take up to 10 business days. After 10 bussiness days i called them and they said they still have not received my refund. I gave them the wrong account number that was entered, and they confirmed it is a legitimate BOA account but because of privacy reason, they can not discuss anything about this account. I was sent to ACH department, and it confirm the refund has cleared into the wrong account but i should call the statte and have them initiate a return of my refund. I called that state of maryand and was told the money was issued based on the information provided and according to the state, the refund has been issued and there is nothing they can do. The state advice that i go to a BOA banking center with my taxes refurn filing paperwork and my identification information. I went to Bank of America center in XXXX located AT XXXX Race XXXX XXXX, XXXX ( XXXX ) XXXX and spoke to the assistant manager. Her name is XXXX. I gave her my tax return and my driver 's license. She created a CASE WITH NUMBER XXXX and asked that I stop by the next week. When i stopped by, she said the complaint was closed and no reason was given for the closure. She doesn't know how else to proceed. I called BOA customer services and asked to speak to a supervisor and the person said, they can not help me and that what he is telling me is the same information the supervisor would tell me. So bank of America deposited {$11000.00} of my tax refund into someone else account and they do not even have the curtesy to alert that indivual, they are holding money that does not belong to them. PLEASE PLEASE help me!
Product: Debt collection

Pro Collect placed a collection on my account and has not responded to my attempts to get them to prove that the debt is mine. Nor will they remove it from my credit report. 
They just sent me a copy of a final bill as " proof '' of the debt. 

When I called them to try to resolve this issue, the person stated that there was a '' freeze on my account ''. She stated that since I was a " third party '', she could not talk to me. She said I had to email a manager. When I emailed the manager I received a response stating that my debt had to be paid in full. 


If I am a '' third party '', why was the debt placed on my credit report? That alone should be proof that the debt is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize this credit inquiry
Product: Debt collection

On XX/XX/2020 at approximately XXXX XXXX, I contacted Grant & Weber, a collection agency located at XXXX XXXX XXXX. XXXX XXXX in XXXX, CA XXXX, regarding two accounts on my credit report that do not belong there. Both accounts are for two medical facilities. I was fully insured when I visited these facilities and my insurance was billed in full, however the facilities participated in a practice known as double billing where they sent me and my insurance a bill in order to collect a double payment. I notified Grant & Weber of this and was told that they would not remove the accounts. The representative I spoke to refused to give me his name and he interrupted me and became irate. I was then told to call back when you decide you want to listen, and hung up on. I called back and asked the operator if it was common practice to treat customers like this to which I was given no response but was transferred directly to an unknown voicemail. The accounts that are in dispute is an account for XXXX XXXX XXXX XXXX in the amount of {$190.00} and XXXX XXXX XXXX XXXX in the amount of {$550.00}. I have disputed these accounts through XXXX and XXXX with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX : {$4100.00} XXXX XXXX : {$3400.00}
Product: Debt collection

I am writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Debt collection

I received XXXX letters in one day from TRS Recovery and each letter is not debt I owe. I have checked with the creditor and they are unaware of this company or the alleged debt. This is harassment and fraud.
Product: Credit reporting or other personal consumer reports

I am requesting a 1099c form for this charged off debt!
Product: Credit card or prepaid card

I attended a XXXX XXXX XXXX promotional event in early XXXX of this year ( 2017 ). I did not choose to become a time share owner during the event, but I did sign up for a loyalty rewards program in correlation with American Express. It seems that the onsite personnel who sign you up for the XXXX Rewards Program card are XXXX employees and are not provided proper training on the actual features of the card. I believe that I was misled concerning several features of the Rewards Program card. First, the XXXX employee mentioned that by signing up for the card, I would receive " Gold '' status with XXXX ; however, I found out after signing up that this is only true for certain cards that have an annual fee and only applies to my card if I spend {$20000.00} in a calendar year. I was also led to believe that this card would not have any foreign transaction fees. I recently took a trip to XXXX and purposely used the card assuming that no foreign transaction fees would be charged. To the contrary, I was charged many fees adding up to {$22.00} or so. I called American Express to discuss this and, again, this turns out to only be a feature of certain Rewards program cards that have an annual fee associated with them and not for my particular card.