23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXXWed 2018 ... ( 7 in 3 days starting at 8 am from all different numbers ) They called and stated I owed over a thousand dollars. She started off by saying " this is what you owe how would u like to pay by check or credit ... '' I never caught her name and I did ask for it but she did n't give it to me. I still have no idea who they are or if they 're real. After reading on their reviews on XXXX it is AWFUL and encourage you to do the same. I never received an itemized statement or from who. I asked The lady if she could send me one. She kept talking over me. Told me they do n't do that after a few times of asking and stating I knew my rights she said " unless I send a written letter requesting one they will not be doing that ''. Why would I give out the last 4 of my SS, DOB, address and bank information to any one who wo n't identify who and what they are? Very very rude and intimidating. I called and left a message for a manager. No call back yet. I also told her my daughter has Medicaid if ( thats who it was for??? ) she could send me the dates of service, Bills or whatever I could provide my information and a plan for payment as well. I asked about email ... Still very rude and condescending, still no. Please if you can listen to the recording. Scary business tactics. Not a way to do business or help people like their webpage states. I have nothing to attach because I have no idea what they are referring to and if I have already paid the bills She was claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

So a collection account went on my Credit report in XXXX showing I owe {$950.00} to a collection company IC SYSTEM. I have disputed it multiple times with each Credit reporting agency but have not had any help in resolving this. It will get " Closed '' then they just open a new one a couple of weeks later and XXXX  up my credit. Today a new hard inquiry appeared from a XXXX XXXX XXXX. I have never heard of them, I XXXX  the company and they are in XXXX XXXX. I am in Washington. There is another one for XXXX. Another XXXX. Another XXXX XXXX XXXX. Another XXXX XXXX XXXX XXXX. Another XXXX XXXX. It continues ... I do not know how to fix this but I am hoping this agency can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$470.00}
Product: Credit reporting or other personal consumer reports

I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


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

I get my 3 credit reports delivered to me daily because ongoing fraud and theft that still persist on my SSDI money, the actual transfer from the Dept. of the Treasury and the XXXX XXXX ( XXXX XXXX  ) that administers the system is being hacked. Last summer a total of about {$6000.00} dollars was stolen. Besides this ALL Three credit bureaus have not increased my scores that range in the upper XXXX an will never let them go above that amount al least to XXXX so that I can get an FHA loan to buy a house. I am a first time, XXXX, elderly buyer and I deserve my own home rather than getting ripped off by 4 landlords since my accident by misrepresenting themselves as HUD-LITEK program properties. I am currently dealing with the OIG in Washington regarding the present landlord. That is only one slice of the pie. 

The problem is with the 3 credit bureaus and their writing in XXXX after getting a pre-approved mortgage from Quicken for {$170000.00}, 3 REAL credit cards that if I owed {$100.00} I paid {$140.00}, and even belter, then wack me for overutilization only because I was refilling my living space which I lost when all my things from underwear to kitchenware was auctioned off because I had a landlord in Rhode Island who just after my disabling accident in XXXX me telling me to freeze my reports because of evidence of Fraud and theft and there was, but each one will NOT deal with me always claiming that they can not access my reports based upon the information I give them. Hoop after Hurdle after Hoop .... 
The total amount of unsecured debt is less than {$2000.00} and has been that way since I cleaned them up myself by calling each of the creditors and explained how my scores plungedged after a n accident in XXXX rendering me XXXX marked the debt satisfied but it was still on as derogatory., This has been over a year now that with {$2000.00} debt, my scores will noit go up. Mainly because I show no active loans, WHO IS GOING TO LOAN ME MONEY WITH THIOSE SCORES? I had one landlord that caused me to get evicted because he went from 30 % of my SSDI to Market value in ONE YEAR. I lost my XXXX Mortgage, the credit cards were destroyed by me so I would not depend on them to live on ..I lost all that I built up all because of yet another landlord in Rhode Island who deceived me. Everything fell like pulling out the middle card in a house of cards ... I am absolutely helpless in this situation to fight back
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I authorized Navy Federal Credit Union ( XXXX ) to XXXX me a cashier 's check for {$9000.00}, taken from my savings account with them, made out to XXXX XXXX of XXXX, so that I could make a downpayment on a new vehicle. Because of tax issues ( this is a new plug-in hybrid, with expiring federal and dealer cash incentives totaling approximately {$6000.00} ) it was essential that I complete the transaction prior to the end of the calendar year. 
When the money did not arrive this morning ( XXXX XXXX ), I called XXXX to get the tracking number, and I was informed that the check had been mailed by USPS, not XXXX. At first they claimed that I had not requested the check be sent by XXXX, but then they listened to the audiotape of the conversation and discovered it was their fault, not mine. Then they told me that the only choice I had was to accept a cash advance on my credit card, and that they would then XXXX the new check, and then waive the cash advance fees once I returned the check they mailed to me. It is unacceptable that I would be required to take a loan on a credit card to fix XXXX  clerical error. Taking such a cash advance loan could negatively impact my ( perfect ) credit score. It is their error, not mine, so why should I have to incur the risk and trouble? In effect, my funds were made unavailable to me during a time critical need. As a result of XXXX incompetence I was forced to withdraw nearly all the funds available in another bank account in order to complete the auto purchases prior to the end of the calendar year without risking damage to my credit record or the loss of {$9000.00}. As a 40+ year client of XXXX, I am extremely angry at their failure to execute the simplest of transactions and their subsequent failure to take responsibility for same. Their actions reflect negatively on credit unions as a whole.
Product: Credit reporting or other personal consumer reports

Hi, this is XXXX XXXX XXXX 

This is what happened someone applied for a credit card account in my name online. 
XXXX allowed someone to issue a Hard Inquiry on my credit report. I never applied online for a credit card account through PayPal. 

The lender that PayPal Credit uses is Synchrony Bank I don't have an account with either or please inform these two institutions regarding this matter so I can move forward with my own life.
Product: Credit card or prepaid card

I live in Illinois. On XXXX, XXXX i called XXXX XXXX in XXXX Wy . to purchase a remote starter, for my brother, who lives in WY. XXXX, took my credit card info {$410.00}, and said my brother will need to make a appointment. XXXX charged my credit card, that day. My brothers appointment was at XXXX on XX/XX/XXXX. He arrived at XXXX, the owner was not there. My brother was told they did not have the remote starter, and could not get equipment, due to nonpayment to suppliers. Brother told the office girl, to refund the charge. Brother called me, and advised me of the situation. I immediately called my credit card company, CitiBank ( mastercard ) and disputed the charge of {$410.00}. I then called another business in XXXX, XXXX XXXX, phone number XXXX, and purchased the remote start from them for {$360.00}, which they installed that day. 
On XXXX XXXX, citi card send me a letter to sign, stating that i had not received merchandise or service. Which i did. and they received it XX/XX/XXXX. I also included a complaint number from the XXXX XXXX XXXX for a complaint i filed on XXXX. ID XXXX. 
i also filed a complaint with the XXXX Wy. Police Department XXXX, XXXX XXXX. My Case # D XXXX. Officer XXXX, advised me XXXX XXXX is under Criminal investigation for their business practices. XXXX XXXX is Closed for Business. 
My complaint is against MasterCard and CitiBank. I had sent everything they requested and more. Citi bank informed me that MasterCard investigator had reviewed the case and as of XX/XX/XXXX is complete, '' since they have not received a documentation regarding the merchant 's inability to provide the service. " I have called CitiCard s, requesting to speak to the investigator, i provided all info. that i was requested to. I have called Citi card and requested the investigation be reopened. I called MasterCard, trying to speak to someone about this. I have got no where. I gave CitiCard, my brothers phone number, the complaint number of XXXX, the name, case number, officer name in XXXX. MasterCard investigator is unwilling to review the FACTS.
Product: Mortgage

My complaint is Shellpoint Mortgage Servicing Co. I have been in the process of selling my house for the last XXXX and needed to get a updated payoff due to my previous mortgage company had been sold. After contacting my new lender and making three attempts to get a payoff I was told it was either sent via email or mailed - yet as of today XX/XX/XXXX i still have not received it and I feel like i have been unfairly mistreated. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2020 ) I contacted their customer service line spoke with representative and was told i could not receive a verbal payoff and that it can only be given by email, faxed or mail. I explained on several occasions the urgency, that i have a buyer, my offer was accepted and we're just waiting for the final payoff to close the deal and trying to avoid any additional fees, accrued interest and charges. On my last attempt i asked the representative to include a complaint to help speed up the process yet i still have not received the payoff nor a call back. 
As of today my buyer has backed out of the deal and now my house is back on the market. I don't know the reason why this process has taken so long nor the reason this is important to my lender as it is to me. I am trying to avoid any unnecessary steps such as foreclosure or short sale that may leave to me losing my home. I am asking for an investigation of this matter because i believe i was unfairly treated and that this company may be delaying this steps for myself or others to build up fees or other charges. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my student loan with US Dept. of Education ( USDE ) went into default, I do not know the amount due as the USDE ignored my repeated requests for current balance due. 
On XX/XX/XXXX the IRS intercepted my joint tax refund in the amount of {$4700.00} to pay the USDE LIEN. I pulled my credit reports and noticed the USDE still showed ( 2 ) balances totaling appx. {$45.00} and did NOT show any payments made by the IRS even though the balance was lowered. 
On XX/XX/XXXX the IRS intercepted my joint tax refund in the amount of {$86.00} to pay the USDE LIEN in full. 
On XX/XX/XXXX USDE reported ( 2 ) accounts, each owing {$1.00} and charged off accounts, did not show ANY payments made. I disputed with TransUnion immediately and mailed proof of IRS payments. On XX/XX/XXXX TransUnion reported the info reported was USDE is correct and still shows ( 2 )  accounts with {$1.00} due each, charged off accounts, does NOT show payments made by the IRS.
Product: Credit reporting or other personal consumer reports

DEPT OF EDXXXX ACCT XXXX XXXX DEPT OF EDXXXX ACCT # XXXX DEPT OF EDXXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As outlined in 15 U.S.C . 1681, I believe the following provisions have been violated : Section 602 ( a ) : I have the right to privacy and confidentiality regarding my credit information, which has not been respected.

Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing an account without my written consent or instructions. This provision has not been followed in my case. Section 1681c ( a ) ( 5 ) : No consumer report should contain any adverse information that predates the report by more than seven years, which I believe applies to some of the information listed. Section 1681s-2 ( a ) ( 1 ) : A person shall not furnis
h inaccurate information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. The information regarding XXXX  Account # XXXX is false and should be removed.
Product: Checking or savings account

OUT OF STATE CHECK WAS DEPOSITED ON THE XXXX OF XXXX AN OUT OF STATE BANK AND WITH CHASE BANK THE FUNDS WILL NOT BE AVAILABLE UNTIL THE XXXX OF XXXX. IS IT NOT FEDERAL LAW OUT OF STATE ABNK AVAILABILITY IS 5 DAYS. THEY ARE HOLDING AND PLAYNG WITH MY MONEY FOR 9 DAYS
Product: Debt collection

XXXX XXXX XXXX XXXX has violated my XXXX rights by sending my personal information to a third party without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had a XXXX, XXXX, XXXX, was stolen and a police report was generated. After going back and forward with XXXX XXXX XXXX regarding the payoff balance and GAP insurance. In May, the vehicle was officially paid off and I notified by XXXX XXXX that the lien was paid in-full but recently I pulled my credit report and noticed that the lien was reported as a repossession even though XXXX XXXX sent letters indicating that the lien was paid off.
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 correct : XXXX  XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed these account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, Here are the accounts that I'm talking about : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

The credit card app does not allow canceling of credit card. I feel this to be a burden to the consumer. I would like to close the credit card with ease to access.
Product: Debt collection

XXXX XXXX attempted to collect wrong debt and fees on my account the bill is XXXX this is wrong I want to dispute this of my credit report and debt because this is wrong amount I tried calling them no answer to pay half
Product: Debt collection

I received an collection notice for an debt sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX. I notice the money they said I owe the provider was more than the bill I Originally received. They had the bill for over XXXX and said there was a payment around XXXX approximately and left my remaining balance at XXXX. The bill I recieved from XXXX XXXX XXXX was only XXXX when I subtracted the payment from the amount of their bill I came up with an remaining balance of around XXXX. I did send a copy of the bill to the collection agency along with an letter stating they can not charge me more than what the bill is due to the Fair Debt Act and also showed them where in their own math the bill was not correct and I disputed the charges with them. I wanted to report them because I believe they are charging more than they should like they are trying to collect additional fees, and If they did this to me it is no telling what other people they did this too.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Product: Consumer Loan

I would not recommend any type of loan with this group and wish I had gone to this site before I submitted all of my personal info to SoFi. I wanted a small loan of $ XXXX to renovate my home prior to listing it for sale. My credit rating is above XXXX XXXX. I have a small mortgage payment and minimal debt and had the money for the renovation but wanted to use the loan money instead and go through the online loan experience for a change. Big mistake. 

A few weeks after submitting my app a young woman called me on a Sunday to tell me she thought she had everything ( after I had sent most all of my financial info for prior years ) but now needed proof of income for 2016 which I sent that day. Unfortunately it did not register that I had submitted this info on the web site until 4 days later. 

I then called and called for followups for the next few weeks and would call and tell my woes to various jkSoFi employees who stated they would advise this woman who had my file to put me toward the top of the list. 

Another several days went by and I received a rejection letter from them. I was dismayed at their lack of caring and handling of this loan request. In my opinion they are not qualified to be in the loan business and are deceiving the public about what they can do. If they continue to provide the type of services they currently provide, in my opinion they should be investigated soon. Plus I do not know where all of my personal information sent nor what they are doing with it. The whole experience was disturbing.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I XXXX XXXX have completed a modification request with my former mortgage servicer, XXXX XXXX, XXXX. I was in the process of getting all documentation sent to the former servicer through a third party, and an attachment of my power of attorney is hereby attached where XXXX XXXX was working with this individual. I received notification late XX/XX/XXXX that servicing was transferred to Carrington Mortgage Services , LLC . I believe that my entire file should have been transferred upon transfer. However, I have not been notified of having a loan specialist assigned to my file by Carrington. What I did receive was a formal service that my home may be foreclosed upon. As a veteran of the XXXX XXXX, I now have several medical issues I deal with daily. I had no choice but to file for a Chapter XXXX bankruptcy last year. I am now in a position to either start making mortgage payments again, but I need a line of communications open to complete the process. I do not desire to bring in any federal agency where veterans  such as myself can have their rights protected, especially under the Fair Debt Collection Practices Act. According to the XX/XX/XXXX addendum to the FDCPA, that was forced into legislation by the Consumer Financial Protection Bureau ( CFPB ), once I had a modification package submitted, I was now protected from any active foreclosure action. Therefore, I must now request that my rights be protected through the FDCPA. I must have a loan work-out specialist to my file, and all communications must be through a third-party. All foreclosure threats must cease immediately and my rights must be protected accordingly.
Product: Credit card or prepaid card

I am a new credit card holder with Fortiva, a high interest credit card company. I had 2 payments that were a couple of days past the due date. I never rec 'd a past due notice because I quickly corrected this issue so my account never even went 30 days past due. I recently made a large payment to the company and noticed that while my credit limit was the same as when I opened the card but my available credit was XXXX. I called Fortiva and was informed my account had been closed because of 2 late payments. I have been trying to rebuild my credit and these high interest cards are the only ones available. I was given no warnings nor was I informed that my account had been closed. When I log in, the account still shows active ( picture attached ). I believe this is a very unethical credit card company. As previously mentioned, I NEVER had a 30 day late payment and now my credit report will show an account closed. I hope you investigate them and take action so others like myself won't be tricked into accepting offers,
Product: Debt collection

I have disputed these medical charges multiple times now. I've given them the XXXX/XXXX  XXXX  I had during this time that's is responsible for these charges and with no response or haven't removed off of my credit report.
Product: Debt collection

letter send by debt collector the age of bebt i can not be sued. I want proof of contract and validity of this debt.Verify everything that i owe this debt to you.