23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in 2017 I used XXXX as my phone company and had to change to XXXX because my XXXX  account was continuously being billed more than what my original set up options were. After speaking with the local XXXX  worker about my bill continuously being overcharged he would work on the issue and tell me this happens often, we will get it fixed. Well for 5 months i was charged more than my bill and I went in again to the same XXXX  store to speak with the same XXXX  associate, he was gone. At this point i was fed up with the account and said it was time to move to another carrier. After speaking with the XXXX  account representative and explaining the situation she was nice and told me no issue, we will close out the account. She helped me do that no issue. I had overpaid my bill for 5 months prior to closing the account, I had no outstanding balance. I was done with XXXX. Then a few months go by and i get a letter from XXXX saying i owe them {$420.00}. This bill came out of no where and when i took it down to the XXXX  store to get clarification the representative couldnt help me because my account was closed! I called and tried to handle the situation explaining the circumstance and got no answers. Now the debt has been sold off two times and after trying many times to resolve this, this is my last option.. I am a good person who has no intent to not pay my bills. Iv established great banking relationships and plan to have a bright future. This debt thats not understood by people who are trying to collect it is effecting me. I hope to have it taken care of. Thanks
Product: Debt collection

Dates being reported to my credit bureaus are inaccurate, Would like it deleted off my credit report since its reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX well during the COVID months when the governor and federal orders were in effect to inquire about options with a job loss. I was treated very rude and ignored, no options. I was later told about an email that was sent months later, that went to junk mail so I didn't have an option to respond. After several months of XXXX reporting late to the bureau despite the Covid relief order, I reached out regularly nearly begging them to correct as it was ruining my credit! In fact, they reached out to me regularly for payments and I asked about the status of updating my credit report. Each time, I was told they don't have time to update, it was a big project etc. Finally I filed a XXXX XXXX XXXX complaint. That got the attention of administration XXXX XXXX that reached out immediately indicating he would rectify the problem. Despite his efforts to rectify the problem and update my credit history, somehow, I got a notification from the credit bureau that the account was deleted even more so damaging my credit as I had a lengthy credit history with XXXX. I reached out to XXXX to inform him of the same. I hand wrote each credit bureau to dispute and request them to contact XXXX directly to confirm and update my credit reports. I received an updated credit report saying updated, however, the late payments are still reflected on my credit report.
Product: Vehicle loan or lease

I have submitted several notices stating that they had no rights to repossession because the car was fully paid off and that I was mailed legal title to the vehicle. TD Auto Finance refused to update the account as paid off and continued to report late payments and followed with a repo. I am outrage, especially because I sent complaints to the CFPB regarding TD Auto Finances ' unscrupulous business practices in XXXX and nothing was done. Below I have attached a copy of the identity theft report and a copy of the title from the DMV.
Product: Debt collection

My debts were written off for XXXX debt collection in XXXX. The debts are XXXX XXXX XXXX. They reinserted them without my knowledge and refused to get rid of them after my dispute. They were reinserted through a new collection agency and new dates, as well as the bureaus failed to contact me via written correspondence or email within 5 days of reinsertion XXXX XXXX XXXX, I was never notified but found out via checking my report on XXXX XXXX. ). I want these removed from my XXXX and XXXX reports and removed from my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I humble myself to make a request for deleted payment. I have been a loyal client and have over 50 credit account most of which were revolving accounts 40 plus of them. I humble myself to ask after making attempts in the past to have the company forgive my one or two maXXXX late payments. Im asking if you could intervene on my behalf.
Product: Checking or savings account

On XX/XX/year> Capital One sent an email out at XXXX central time saying they are have technical problems with a 3rd party company with deposits and transferring money into accounts and the problem started XX/XX/year>. They said money would be deposited into accounts by Friday morning XX/XX/year>. As of XXXX XX/XX/year> I still havent received my direct deposit and no answer from capital one about the issue.
Product: Debt collection

I have contested the debt but never received an official response to my position, while I have made month ; y payments to continue reducing the contested amount owing. My understanding about consumer fin=ances is, as long as the debtor is making a consciences effort to resolve the issue, turning the case for collection is illegal. This debt over a cancellation policy with XXXX started XX/XX/XXXX for {$200.00}. My monthly payments of {$25.00} every month has reduced it to {$50.00}, as of last week. By reporting the collection to the credit agencies, my credit score dropped by XXXX points and I believe this action was totally " unjustified ''. The consumer agencies should investigate the legitimacy of the collection matter before officially posting it as genuine.
Product: Mortgage

Hello, This is XXXX XXXX formerly of XXXX XXXX XXXX XXXX Maryland XXXX We had a home that was serviced by Ocwen. 
I have requested many times about funds that are available to us. 
Ocwen sent us an email also about the funds. 
We are getting Ghosted by Ocwen lawyers and there response is we are harassing Ocwen. 
Yes Ocwen has responded many times with a blank statement but no communication on how much the funds are. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft when my wallet was stolen from my vehicle including my social security card, ID, and other personal item, then later used to open fraudulent credit card, personal, and auto loan accounts in my name. On XX/XX/XXXX, I reviewed my 3 credit reports and found items which I did not open and that did not belong to me. I realized that I was the victim of identity theft and proceeded to file an Identity Theft Report with the FTC, as well as contact TransUnion notifying them of the Identity Theft, and that they were holding inaccurate data on my report in the form of the fraudulent accounts, and fraudulent inquiries. TransUnion has not responded to my letter, or FTC Identity Theft Report as of yet which was sent certified mail, nor have they removed the inaccurate items. I am including both the FTC Identity Theft Report that I filed as well as the letter that I sent to them detailing the Identity Theft and accounts.
Product: Debt collection

In XX/XX/2022, I dropped off receipts from my XXXX XXXX  account to Credit Clearing House of America showing the debt has been paid since XX/XX/2022, and yet the collection agency still refuses to stop reporting negative, false information on my credit report. The amount that they are erroneously stating that I owe is {$140.00}.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I felt a victim to a scam operation orchestrated by XXXX XXXX. I was looking for a job, and I was in couple of groups. My job description was to buy products to make more traffic for the website. They told me that I need to send them the funds via crypto platforms, and I was unfamiliar with that and had zero experience when it comes to using crypto. 
I wouldve never sent the funds if I knew that there is a possibility that this could happen. I was just looking for a job and wanted to earn money for my future, so I was unaware that these types of scams even existed. 

Money was sent from my Capital One account, and through an intermediary XXXX in the total amount of XXXX USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off 60 days ago to all 3 credit agencies and havent gotten a response back I also sent out a 30 day comply and demand letter with no response..now by FCRA laws im supposed to recieved a reponse in 30 days and if not its supposed to be deleted off my credit report. I would like this matter taken care of so i can move forward with my endeavors.
Product: Student loan

I have been trying to work with Navient who purchased my student loans onXX/XX/2011. Loan # XXXX. XXXX. Loan # XXXX XXXX. I was reviewing the details of the loan and discovered the disbursements amounts were not correct and I requested a validation of the debt and never received one. When I attended the school for these loans the cost was appx 13,000. I believe there has been a mistake and I have been paying for it for many years. If you are able to help me get some validation of this debt I would appreciate it.
Product: Debt collection

I was served with a lawsuit around XXXX maybe late XXXX. I responded to the suit and the plaintiff is capital one. They are suing me for over XXXX dollars. I reached out to there attorney with validation request. To which they simply sent me statements. So I decided to speak directly to capital one since they are just an intermediary. I sent capital one a validation request to which they simply responded with the same thing, statements and then when I sent them a second request they told me to send information to a po box in order for them to stop collections. They never stopped and the lawsuit is dated for the last pre-trail conference before actual trail. I believe there information is in accurate because they took tax benefits from the charge off and sold the securities on the back end. I asked for the accounting and they ignored my request just like the validation. I have uploaded several pictures of some of the documents I sent. I have more and I also have what they sent me in response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 ; GA XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding the status being reported to the credit reporting agencies by XXXX. I provided proof that the loan is paid off and the balance is XXXX  but XXXX  refuses to correct their reporting error.
Product: Credit card or prepaid card

Most recently there area number of individuals whom have been deployed around me with the support of hacker informants and persons whom are attached to my identity within the last 3 addresses I have resided at. These individuals are illegally intercepting my community communications mainly from XXXX XXXX XXXX XXXX and XXXX XXXX College in conjunction with a Congressional member supervision. These individuals are preventing me from using my credit cards at Amazon.com to budget and provide someone with a similarly and identical life here where I live just in the XXXX XXXX. These individuals are being controlled by a number of law enforcement individuals and persons training and snitching for law enforcement that have illegal access to my XXXX alarm and my apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXXcontinuestofurnishinquiresonmycreditreport.RequestedwrittenauthorizationandcompanyfailedtocomplyaccordingtoFCRAGuidelines.
Product: Debt collection

I am writing to address the late payments that have appeared on my credit report. It has come to my attention that there are entries reflecting late payments, which I believe are inaccuracies and do not reflect my financial history accurately. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting that a correction be made to my credit report after my credit card company XXXX had reported wrong information to all three bureaus. They incorrectly reported : XXXX 60 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment reported incorrectly on XX/XX/2020 Equifax 30 day late payment incorrectly reported on XX/XX/2020 I have called at least 6 times to XXXX and was told verbally this error would be corrected with the next cycle of reporting, it never was. 
I have reported to each of the XXXX credit reporting agencies who also would not correct the error even with XXXX stating it was incorrect info. 
This has been going on for months! 
I finally received a letter from XXXX stating the credit reports would be updated and incorrect info removed. 
I filed another dispute with all three bureaus yet I still have not had any corrections made to my reports. THE DOCUMENTATION YOU PROVIDED WITH YOUR DISPUTE BUT HAVE DETERMINED THAT IT WAS NOT SUFFICIENT TO MAKE THE CHANGES OR DELETIONS YOU REQUESTED '' I couldn't believe it! If the company which reported information made an error and are admitting to that error then who or what gives XXXX the authority to state they will not fix it? Its wrong and if it is not fixed immediately I will have to file a suit! 

I have also demanded the credit reporting agencies to XXXX the XXXX points that were deducted from my credit scores on all XXXX reports to be added back to my score! 

I have not been able to get any corrections made and at this point I am demanding it be repaired, the negative info removed and my score to be updated by adding the XXXX points!
Product: Checking or savings account

On XX/XX/scrub> XXXX XXXX I deposited a legitimate, bank-issued check for {$9200.00} from XXXX XXXX XXXX into my Apple Bank account. Instead of processing the deposit within the standard timeframe, Apple Bank placed an excessive hold on my funds until XX/XX/year>, citing Doubtful Collectability. This hold was placed without any valid reason, as the check was issued by a major financial institution. 

This unnecessary hold caused severe financial damage, including : XXXX  Account Deficit & Restrictions : Due to the delayed deposit, my XXXX XXXX  account reversed the transaction, resulting in a negative account balance and a restriction on Instant Deposits. 
XXXX required me to deposit {$3900.00} and {$3900.00} ( totaling {$7900.00} ) to restore my trading privileges. 
This was a direct consequence of Apple Bank failing to make my funds available in a reasonable timeframe. 


Missed Investment Opportunity ( $ XXXX Loss ) : Due to the unjustified delay, I was unable to execute planned trades in the stock market. 
Had my funds been available when they should have been, I would have been able to invest and capitalize on market opportunities, which would have resulted in profits exceeding {$20000.00}. 
Apple Banks actions directly caused me financial harm, as I was deprived of the ability to manage my funds as intended. 


Discriminatory Banking Practices : I believe that racial discrimination may have played a role in Apple Banks decision to place this excessive hold on my check. 
There was no valid banking reason to hold a legitimate, verifiable check from a well-known financial institution. 
Apple Banks own branch manager acknowledged their error and even begged me not to close my account, which further suggests that they were aware of the unfair treatment I received. 


Apple Banks Misguided Response : When I raised this issue with Apple Bank, they offered to reimburse overdraft or NSF fees. 
However, this does not address the real financial harm I suffered. I did not incur NSF or overdraft fees because I responsibly managed my account ; instead, I suffered a direct financial loss due to the restriction on my XXXX  account and the missed trading opportunities caused by Apple Banks delay.

Offering only NSF fee reimbursement ignores the larger financial impact of their decision to unnecessarily delay my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to establish an online account with MyEquifax.com to review, request and use the services of that site. My wife and I had just previously signed up for the fraud protection service in reference to the Equifax breach. We successfully did that process. After that I went online and completed the MyEquifax registration but the system would not complete the process and a popup told me to call in. I did that and the representative told me that she could not help but would expedite my account registration. On a side note, my wife also signed up for an account and was prompted that she would receive a code to further complete the process. After 41 years of marriage and using the same info a lot she accidentally used my email for her sign up and this cause the system to lock our accounts permanently because of like information on two accounts. She received her code but was not able to log on. I did call again after not hearing back and another rep told me the same story, so after another wait I found the fraud department line and called it. After the verification process the rep told me that because some of the same information was used for both accounts that we would be permanently barred from a MyEquifax account with no recourse. With everything online now this will limit our abilities to access our information for an honest mistake. They can see that we didn't gain access and we have verified ourselves to death but would gladly provide more to fix this. Ironically we immediately went to the Equifax.com Lock and Alert page and signed up for that service so it seems our information was not locked down. We are glad to have this service but would like to have the MyEquifax account also. Please help us.
Product: Credit reporting or other personal consumer reports

I tried to dispute the account because it was never mine but they wouldn't allow it so I waited for them to send a 1099-c and they never did and it still here preventing from moving on with my life there are 2 accounts like this as a result from the XXXX breach I've been fighting with this for almost 5yrs please help
Product: Credit card

Wells Fargo Bank OFFERED me a credit card on or about XX/XX/23. Then immediately denied it. based on inaccurate information that they, Wells Fargo Bank are reporting to credit agencies. I've requested a validation of debt and they have refused to respond. 
this is a violation of my rights to consumer credit. 

12 CFR 1002.4, 12 CFR 1002.7, 12 CFR 1022 ( v ) 15 USC 1602 ( p ) 15 USC 1692 ( g ) 18 USC 8 15 USC 1602 ( o ) Ohio Admin. code 3901-1-55 FCRA 15 USC 1681 15 USC 1691 ( c ) 15 USC 1692 ( f ) 15 USC 6802 15 USC 1602. 31 USC 3123 15 USC 1611 TILA 15 USC 1601 Title 15 ch. 41 all 15 USC 1591 ( c ) 15 USC 1692 ( k ) Wells Fargo Bank is reporting two different charge off ( s ) to the credit reporting agencies. When a charge off is income., to which I've never recieved the 1099c to report on my end. this has become a hardship for me. i am unable to provide properly for myself, family and household.
Product: Vehicle loan or lease

XX/XX/XXXX my vehicle was involved in a hit and run accident resulting in total loss. Reported this information to my insurance company on the same day. XX/XX/XXXX transferred ownership of vehicle to my insurance company through electronic signing of documents. When contacting my lender about the incident they reassured me that I do have gap insurance and will be taken care of once they receive the majority amount of payment from my insurance company. The payment went through between XX/XX/XXXX to XX/XX/XXXX to the lender. Gap insurance was never applied to my account. Was never contacted by my lender about outstanding payments. When checking my credit report I had found out my gap insurance was never applied. Called my lender to question them and was notified that I had been given gap insurance through a 3rd party company that I have no records of from the date that I signed up for the auto loan. Disputed this by paying off the entirety of the loan but still have late payments on my credit report. Disputed this again by explaining my situation of being detoured from knowing I had to speak with a 3rd party from the day the car was at total loss by my lender and not being contacted when payments went outstanding. They modified my credit report from closed account XX/XX/XXXX to paid XX/XX/XXXX and closed XX/XX/XXXX, but still keeping my payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX outstanding.
Product: Checking or savings account

I've filed two complaints and they've both been closed. XXXX and XXXX XXXX. When I check the status, it says I didn't respond, this is incorrect. I have not received an email or a letter, I would respond. I've been locked out of my checking account with Truist for almost two months now. I had to stop direct deposit, because again, the bank will not give me access to my account. My ATM card no longer works, they are holding nearly all the money I have.
Product: Money transfer, virtual currency, or money service

Cash app what is the app and my dispute is a girl was over my house I was passed out sleeping she took my phone and locked it and transferred money from my Cash App account onto hers I tried to get my bank involved they told me to go to Cash App cash app tells me to get my bank involved now Im just going back-and-forth with both companies trying to get my money back that was stolen from me Ive been going back-and-forth with them for about a week and a half Street and its not right because I have the date the time of the transaction The girl sent it to her own cash app and multiple other attempts she got away with my total was {$170.00} taken from my account On XX/XX/XXXX XXXX XXXX
Product: Debt collection

Subject : Debt Validation Request and Assignment Contract Dear Sir/Madam, I am writing to formally request validation of the debt referenced below, as well as a copy of the assignment contract that grants the collection agency the right to collect this debt. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : * Account Number : XXXX * Original Creditor : XXXX XXXXXXXX XXXX XXXX * Amount Claimed : {$12000.00} XXXX request that you provide the following information : 1. Validation of the Debt : Please provide documentation that verifies the debt, including the amount owed and the name of the original creditor.

2. Assignment Contract : Please provide a copy of the assignment contract or other documentation that shows the collection agency has the legal right to collect this debt. 
Please consider this letter as a formal dispute of the debt until such time as the requested information is provided. I also request that you cease all collection activities until this validation is completed. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX