23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sirs, I was sent to collections by my apartment complex for move out charges in 17 days without a bill, a email. phone call. a opportunity to pay in a reasonable time frame, no ability to dispute charges. I believe they did not act in good faith, abused the process to change {$3700.00}. Charges include rug replacement and paint dispute the fact that I lived there 7 years, This meets normal wear and tear definition. They charged me for a dryer ... .it worked when I left. They charged $ {$1300.00} in " other '' charges. They ken these were questionable charges so they abused the collections process to force payment. Please help us the consumer because this is unfair and becoming rampant. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The apartment complex is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The collections agency id IQ Data XXXX XXXX XXXX XXXX WA XXXX. My phone # XXXX
Product: Vehicle loan or lease

This has been over a year and the company will not contact me, when I call they hang up on me and will not provide any information I ask. I was told that the company is practicing unfair collections and phone calls, by my lawyer. The company took down my online profile so I was unable to pay my loan. I had to wait 6 months for my lawyer to get a response from the company 's account manger for my account information. In that time they reported my account as delinquent and turned it over to connections. I had nothing in writing and they would not provide what collections company I was suppose to pay. I am at a loss as to what I need to do now. I have made payments in the past three months totaling over {$1000.00} and nothing show on my credit.
Product: Credit reporting or other personal consumer reports

I have not authorized a credit inquiry nor have I solicited a credit card from your company. 
Please remove the hard inquiry from your records and update my information to all of the credit reporting agencies. Thank you!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report.

FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. The creditor, XXXX XXXX XXXX, has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the 30-day timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. 

XXXX XXXX XXXX XXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Consumer Loan

Lending Club sent my loan to an outside collection agency while I was actively paying according to terms. I called to dispute their actions and they took the loan back from the agency. After they took it back they put it in a charged off status even though I am current on payments and making them according to the original terms they did not charge off anything but refuse to change the status of the loan from charged off to current and paying as agreed. I 'm trying to refinance my mortgage and I 'm a XXXX veteran and on a tight budget with high student loan payments. Their illegal reporting of the loan is preventing me from refinancing with FHA and I 've been trying to get them to change the status of my loan but they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Security Breach has impacted me.
Product: Debt collection

I am a victim of identity theft, i have uploaded my police report to Transunion and XXXX with no help. These debts have not been removed from my credit report and causing much harm for me to move forward in life.
Product: Student loan

I got a plus loan for my son while he was at XXXX XXXX. I never heard anything from it and thought it was underneath his loans. Had my loans consolidated and obviously parent loan was consolidated with that. Later found out it was with Navient Bank which I had never gotten any kind a notice from or anything. It is messed up my repayment. Help? 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct ending XXXX had requested to delete this trade line now its time to delete this trade line
Product: Student loan

AES and XXXX are the same entity. When you go to the XXXX website you learn that it operates part of its national business as AES, meaning that it is in part one legal entity. However XXXX  practice of managing its loan accounts confuses one to believe that another entity is owed the alleged debt. The FCRA and FDCPA protects consumers against these kind of reporting practices. 
AES/XXXX  transferred this alleged debt to XXXX in XX/XX/XXXX. Then on the same date XXXX closed the account and sold the alleged debt to a third party, XXXX XXXX XXXX XXXX did this without attempting to contact the account owner first to notify their acquisition and/collect on the alleged debt. XXXX XXXX XXXX did not report the debt to the credit bureaus, but did send notification of their acquisition and did attempt to collect the debt. From XX/XX/XXXX until XX/XX/XXXX, XXXX XXXX XXXX was the owner of these alleged debts. In XX/XX/XXXX XXXX reacquired the alleged debt from the third party after I disputed XXXX  right to report an alleged debt they did not own, with all credit bureaus. XXXX found validity in my dispute and removed XXXX  listings from my XXXX credit report for FCRA and FDCPA violations. 
XXXX did not reassume responsibly for the alleged debt from XXXX XXXX XXXX until XXXX XXXX ; however, they reported these alleged debts to all credit bureaus as owed to them for XXXX ( XXXX ) months after selling the debt to a third party in XX/XX/XXXX after first acquiring the alleged debt from AESXXXX. XXXX also attempted to collect this alleged debt in direct violation with the U.S. Education Departments COVID-19 Emergency Relief guidelines currently active until the end of XXXX. During the same timeframe XXXX XXXX XXXX was also attempting to collect this same alleged debt which could have resulted in double enrichment for XXXX, which is a violation of FCRA and FDCPA consumer protections. 
The original debt amount listed by XXXX differs from the original debt amount reported by the original creditor AESXXXX. I have attempted to validate the allege debts owed to creditor XXXX and AES to no avail. When I go to the XXXX website to login to this account, I am redirected by XXXX to AES in order to review and manage this allege debt owned by creditor XXXX. Once logged on to this account I see that I have a XXXX ( XXXX ) dollar balance, nothing is owed on this account, and the creditor has deleted all payment & billing statements from their system for the the alleged debt with both creditors XXXX and AES under the account. Both creditors are intentionally preventing me from being able to validate the information they are reporting to the credit bureaus which is a violation of FCRA and FDCPA consumer protections.
Product: Credit card or prepaid card

Good morning, I currently have a prepaid card with Way2Go Card ( goprogram ) to receive my unemployment benefits and I keep getting charged for fees that I should not be charged with based on their terms and conditions. The two issues that I am having are the following : 1. Customer Service Information ( automated or live agent ) : According to their terms and conditions " you are allowed ( 5 )  calls to Customer Service Interactive Voice Response ( IVR ) or live agent for no fee each month to check your balance or hear your transaction history. However, in XXXX I only called one time and they charged me. In XXXX I called 3 times and they charged me and in XXXX I have called once and they already charged me. 

2. Funds transfer via Interactive Voice Response ( IVR-phone ) or web portal : According to their terms and conditions " There is no fee for you to transfer funds from your card account to a XXXX XXXX   account owned by you. I made a transfer today ( XXXX/XXXX/20 ) and I was charged by goprogram ( not my bank ) {$2.00}. However, I transferred money to the same account on XXXX/XXXX/20 and I was not charged, which I shouldn't because that account is under my name. My daughter also transferred money yesterday to the same bank and did not get charged by goprogram. 

3. Change in terms : The terms and conditions state that " We may change ( add to, delete or amend ) these terms at any time by providing you with prior notice of the change as required by law ''. However, I have not received any notification of changes. Also, you can access the terms and conditions when you access your account on their website ( www.goprogram.com ) and they have not changed. 

4. I have tried calling their line to speak to somebody about this issue and get a refund but there is no option to speak to a live agent or to send a message on line. Another problem is that every time I try to call I automatic get my balance without asking for it and it counts as one of the five calls that you can make for free every month. 

I have a feeling that this is happening to a lot of people and is not fair and is also illegal. I would appreciate if you can please help me! 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name SELF FINANCIAL/LEAD BA Account number XXXX Date opened XX/XX/2019 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX
Product: Mortgage

My Loan : XXXX at Quicken Loans I originally got started processing my Quicken Loan application with XXXX XXXX ( Mortgage Banker ) and uploaded my Verification of Assets on XXXX/XXXX/2016. However, somehow I lost communication with XXXX, and later on, got in touch with XXXX XXXX ( Mortgage Banker ) on XXXX/XXXX/2016. 

Next, XXXX XXXX passed me XXXX XXXX ( Client Care Specialist ) on XXXX/XXXX/2016 in entering the Underwriting stage of the loan process. 

Keep in mind Quicken Loan 's Verification of Assets says this : To close your loan, we need to verify that you have {$9500.00} in assets for reserves. This amount is subject to change as your loan is processed. Please provide bank, depository or brokerage statements, 401 ( k ), 403 ( b ), a Keogh account or an IRA statement showing a 60 days history for this verification. 

Given that I provided my XXXX XXXX bank statements on XXXX/XXXX/2016 and the Underwriting process started on XXXX/XXXX/2016, I felt Quicken Loan 's Underwriter made a bad decision to have me pay around {$500.00} for the appraisal performed on XXXX/XXXX/2016 when there was a chance the Verification of Assets could be a show stopper. As it turned out, it was a show stopper. According to Quicken Loan, my letter of explanation for assets was decline. So basically, I did a cash deposit of {$2100.00} on XXXX/XXXX/2016, {$3000.00} on XXXX/XXXX/2016, and {$5000.00} on XXXX/XXXX/2016 from my home safety deposit box and this reason was rejected. 

Good business practice of the underwriter should have been take care of all the necessary show stopper paperwork first before having a possible lender pay for the appraisal. 

Given I contacted Quicken Loan based on your recommendation, can you please help me get a refund from my appraisal? 

Thanks, XXXX XXXX
Product: Checking or savings account

I had a checking and savings acct with chase bank. One early morning while I was living in XXXX XXXX I got a call from chase bank asking if Im trying to withdraw a third XXXX from XX/XX/XXXX in XXXX! I said NO! Stop the transaction! They did not. They also denied my claim. Chase bank owes me {$300.00}.
Product: Checking or savings account

I am writing in reference to the following three accounts that I had at the TD Bank branch in XXXX, New Jersey. The total value of all accounts exceed {$25000.00}. 
I. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Savings account number XXXX In XX/XX/2023, I called the XXXX office and spoke with XXXX. I told XXXX I would like to close the accounts. She suggested that I visit the branch. I told XXXX that I do not reside near any TD Bank branches. She then suggested that I sent a notarized letter requesting the accounts be closed. I prepared the letter and mailed it to the XXXX branch on Tuesday XX/XX/2023. On Friday XX/XX/2023, I received a call from XXXX indicating she received the letter and closed the accounts. She indicated she prepared a check and provided me with the following XXXX tracking number : XXXX. 

Unfortunately, the XXXX package did not arrive during the next several days. I input the tracking number into the XXXX Web site on the Internet and I received a response indicating the label was generated on XX/XX/XXXX but the package did not enter the mail stream. On Friday XX/XX/2023, I called XXXX and told her I did not receive the package. I also told her it was not placed in the mail stream. XXXX repeatedly said the package was mailed and told me to file a complaint with XXXX. Needless to say, I can not file a complaint if the package was never placed into the mail stream as indicated by the tracking information. 

Unfortunately, the package still has not arrived and my savings accounts with a total of over {$25000.00} is depleted. For you convenience, I have attached a screen shot of the XXXX tracking information. Your assistance in enabling me to promptly obtain the proceeds from my accounts is needed and will be greatly appreciated.
Product: Checking or savings account

I received an email on my computer, saying I needed to check or acknowledge something. When I clicked on the email, it was for approval of a charge for a XXXX XXXX called XXXX XXXX. The bill was for {$450.00} for this XXXX XXXX service. I didn't request this product and was not intending to buy it. The receipt had a number to call, so I called the phone number, and a person answered from Paypal. They claimed this product was purchased through my Paypal account. I ask them how that can be because I told them that I didn't have a Paypal account. I had not had a Paypal account for at least 5 years, which I dropped for fraudulent charges in my name. The person on the phone then told me about several other charges on this account in various places. He even had my social security number, which I don't give out. He said, that there were several in amounts of {$6000.00} dollars and other such large amounts. He then ask me to go to a gas station in XXXX XXXX to get some sort of card that I could make charges on to verify I didn't make those purchases. I thought this was strange so I hung up and called my bank to block charges on my band debit card. I worry about this because I am on retirement and can't afford a lot of legal expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

All appropriate documentation was mail certified/ uploaded on website and I call the company several times. Not only is this a mental health but actually my time. The money send to get appropriate documents to the credit bureau and too the company and yet and still nothing has been changed. I would like to take the appropriate steps to getting the incorrect information removed and my money back where I send three certified mail to both XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

after obtaining a current copy of my credit report i noticed a fraudulent auto loan opened in my name which i did not authorize
Product: Debt collection

I didn't see an option for the issue I'm having so I am describing the issue in this statement. I was notified by collection agency Couch, Conville, and Blitt of my private student loans that they are now attempting to collect a debt on. I received validation of the debt upon my request. Along with my information, the collection agency sent a list of 29 other individuals ' names, ssn, interest amounts on loans, and principal amounts on loans. I believe that this is very dangerous and I feel that if they have sent me other peoples ' personal and confidential information, that they have also sent my information out to other individuals. I feel this is very dangerous and illegal. I am looking for a resolve of the matter because I feel my information may fall into the wrong hands of someone and I'm sure if these individuals listed on the paperwork sent to me knew of this, they would be very concerned also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was sent several items on my report that I asked to be verified with original documents from the creditors. They did an investigation with the eoscar and did not follow the law that is in place. All of the items where just left in place and they sent me a new report. I also asked them to take several address off my report that did not belong to me and I furnished my license with an electric bill to prove my current address. They refuse to take this information off of my report. Under the 609 stature of the fair credit reporting act they are obligated to furnish me with this information and they reuse to do so
Product: Credit reporting or other personal consumer reports

This is my several 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I went into the US Bank at XXXX XXXX XXXX XXXX, XXXX, WA XXXX, around XX/XX/year>, and talked to a banker named XXXX regarding a closed account. The funds that were in the account at the time or closing needed to have the checks reissued in person. I was misled by XXXX and lied too about the process. 

Upon completing the necessary documentation to obtain the reissued checks that contained the account 's cash, XXXX deceived me once more by claiming that the checks could no longer be issued in person and that they would now need to be mailed. I still haven't received the reissued checks and can't seem to find a solution.
Product: Mortgage

Our mortagage coupon payment book ran out in XX/XX/2020. We contacted the mortagage institution and requested a new payment booklet in XX/XX/2020. We did not receive a booklet but the institution has been sending us monthly mortagage statements since then with a payment coupon attached. We did not receive a mortagage statement for the month of XX/XX/2020 so we contacted the institution by phone on XX/XX/XXXX to inform them of nonreceipt and make a payment before the end of the month ( so it would not be past due ). The agent indicated that the mortagage statement was sent on XX/XX/XXXX which he considered in a timely manner. We explained that the XX/XX/XXXX date would not provide enough time for the statement to be received by us and then for us to submit a payment to be received by the mortagage institution before the end of the month. So we did not consider it timely. The Agent indicated he could recive a payment over the phone but we would be charged a fee. We explained that since the mortagage statement had not been sent to us in a timely manner and that we are current on our loan we therefore, should not be charged a fee for making a payment over the phone. We explained further that if a payment booklet had been sent to us as requested in XXXX the issue of timely receipt of the mortagage statement would not occur and our payments would be made to the mortagage institution timely. We again requested a payment booklet which the Agent indicated that there was no record of a request being made for a payment booklet in XXXX. 
We consider the mortgage institution 's practices unfair and they result in late loan payment submission that can have a negative impact which we can not avoid. We consider that the mortagage institution was unresponsive to our request when contacted.