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

First off my balance on my personal credit report states that my balance is {$9700.00} and my highest balance is {$9500.00}. Where did the EXTRA {$210.00} come from being that my contract literally just started unless this company charged over {$200.00} interest just to approve the loan which is illegal??? Out of TWO ON TIME MONTHLY PAYMENTS 0 has been reported to any credit agencies. These numbers are extremely inconsistent to the original financed amount which is shown in the photo provided which is stated by Exeter to be {$9500.00}. Out of TWO ON TIME NEVER A DAY LATE PAYMENTS OF {$290.00} which total to {$580.00} my balance has only decreased by {$61.00}. So where have my payments actually went? Why are inconsistent amounts being reported by Exeter through multiple outlets? I also have recorded conversations of the lies Exeter Finance has told.
Product: Debt collection

I am getting daily call collection calls from an unknown collector at ( XXXX ) XXXX. The collector refers to an alleged medical debt of {$310.00}. This medical medical claim has been paid to the hospital by my insurance company. However, the collector falsely states that the check was sent to me. However, the collector refuses to provide me with a documentary evidence to support this statement.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open XXXX XX/XX/XXXX Balance : {$1400.00} Late/Open XXXX XXXX XXXX  Account # : XXXX Date open : XX/XX/XXXX Balance : XXXX XXXX-Late/Open
Product: Debt collection

I CONTACTED THEM AND THEY TOLD ME THAT THE DEBT WAS MINE BUT THEY HAVE A DIFFERENT SOCIAL AND WRONG ADDRESS. THEY WERE THREATNING TO ARREST ME AND SAYING THAT THEY WERE CALLING FROM ATTORNEYS OFFICE THEY CALLED MY JOB- MY NEIGHBORS OLD FRIENDS FAMILY MEMBERS ETC. THIS NEEDS TO STOP
Product: Debt collection

SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS
Product: Debt collection

In XXXX of 2016 I bought my first home and gave my 30 day notice to my landlord at the time. I had a friend help me move out but was not able to take a mattress and a nightstand with me so i figured i would just pay for them to remove the items. They removed the items but claimed the carpet was completely damaged and that they found bedbugs in the apartment so they sent me a final statement with a total of {$2300.00} stating they were not able to rent the apartment for two months. After trying to negotiate they said they were actually able to rent the apartment and removed a months rent so the total amount went down to {$1400.00} I still did not agree with this amount because the carpet was in good condition and i never saw any live bedbugs when i moved out. Now a year later they hired a lawyer and the total amount they are asking for is {$6700.00} including attorney fees. They claim they pay a company to do a treatment for the bedbugs but they paperwork does n't show this. Also they showed me an invoice for the carpet replacement but did n't show me proof of the " damage '' carpet.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A COMPLAINT AGAINST COMENTITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX, OH XXXX USA MANAGER XXXX XXXX. I HAVE BEEN TRYING TO REBUILD MY CREDIT AND HAVE MADE GOOD PROGRESS WITH OTHER COMPANIES EXCEPT FOR THIS ONE. I HAVE MADE ARRANGEMENTS TO MAKE XXXX MONTHLY PAYMENTS ON A BALANCE OF XXXX. I HAVE MADE 2 PAYMENTS -XX/XX/20-XXXX,XX/XX/20-XXXX. I HAVE CONTACT ALL 3 CREDIT REPORTING AGENCIES THAT MY BALANCE IS INCORRECT AND I WAS ADVISE THAT THE COMPANY REFUSE TO RESPOND. I THEN CONTACTED THE BANK ON XX/XX/20 AND SPOKE TO THE MANAGER XXXX AND HE REFUSE TO STATE OR REPORT ANY PAYMENTS OR BALANCE UNLESS I PAY OR SETTLE THE ACCOUNT IN FULL. I ADVISE HIM THAT ALL THE OTHER COMPANIES REPORT MY PAYMENTS AND BALANCE. HE AGAIN REFUSE TO REPORT CORRECT INFORMATION WHICH I HAVE THE RIGHT TO DISPUTE THIS ACCOUNT. I ADVISE HIM TO CANCEL ANY FUTURE PAYMENTS I HAVE AND I BELIEVE HE AND THE COMPANY VIOLATED THE FDCPA AND CONSIDER THIS ACCOUNT PAID IN FULL.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have had a small amount of services that I had been using and paying my bills on time. The I have not had any problems with until recently when I was told all my accounts were in collections without any prior notice that I was owing a debt. Will you help me to remove these off of all my public records immediately. 

Best Regards, XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from Experian on XXXXXXXX  and noticed that I have a collection from XXXX XXXX XXXX. The date the account was opened was XXXXXXXX  that I was completely unaware of without being properly notified by both Experian and XXXX XXXX XXXX. This alleged collection account was not properly verified before being inserted into my credit file. This is not my account, and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received aa email from a collection company stating that I owed {$160.00} dollars on my Kohl 's credit card. I had never received a statement from Kohls indicatiing that I owed them. I first used their credit card on XX/XX/XXXX for a pearche of {$140.00}. I made the payment on XX/XX/2021. On XX/XX/2021 I purchased {$37.00} for slipperes.However, they had charged me late fees and interest amounting to a balance of {$88.00}. Again not receiving any statements they kept adding late fees and interest to the balance. When I received the email from the collection agency, XXXX XXXX,, the balance was now {$160.00}. I called them the same day and asked what this was all about, they told me about the Kohls credit card amount. I argued for along time and they brought the amount down to {$51.00} which I paid at that time. 
Issue-My credit scores have dropped considerably due to this being on my credit report. 
I feel this is wrong and would like to have it be removed from my report.
Product: Debt collection

I think my ex boyfriend or he's sister use my information. One time I was checking XXXX  account so I had experiam credit I don't know why but I thought XXXX had it automatically so I saw my information and I saw the debt and it was under XXXX XXXX XXXX XXXX is my ex boyfriend address, so I ask him he denied everything..
Product: Mortgage

I own a piece of property in XXXX XXXX XXXX Florida. The loan was owned and serviced by XXXX XXXX. 

In XXXX, XXXX the loan was sold to Shellpoint Mortgage. When I started receiving invoices from Shellpoint there was an additional charge of {$690.00} entitled 'Prior Servicer Charge '. The charge appeared to me to be very arbitrary. I inquired about the charge with the customer care using the phone number provided on my invoice. After going through many hoops, in was told I could only resolve this with emails to the servicing department. I never received this charge from the prior servicer XXXX. 

I emailed Shellpoint servicing. XXXX XXXX of Shellpoint replied that there was a small charge for property inspection on XX/XX/XXXX, and a large charge labelled 'maintenance '. Maintenance of what? Why? That was XXXX XXXX, XXXX and I did not get a reply since then. 

I called again today and spoke with XXXX, who called it simply 'property preservation ' and did not offer any further explanation or resolution. 

How is that lenders are allowed to add arbitrary charges without any disclosure whatsoever. It seems inappropriate at best and illegal at worst. I believe this is cost associated with servicing the loan which should be picked by the servicer and not passed along to the consumer.
Product: Debt collection

XXXX has tried to extort monies from me not owed and has attempted to negatively impact my credit rating in the process. 

I received a written demand for alleged monies owed from a collection agency ( Southwest Credit ) for monies " owed '' to XXXX in the amount of {$70.00}. 

I have never contracted with XXXX for anything. 

XXXX obviously sent incorrect information to this collection agency and/or the collection agency did not do their homework. 

I called Southwest Credit and the purported monies owed were for some " XXXX XXXX '' at an address in XXXX, Maryland. 

I have never lived in Maryland. 

One or both of these businesses is quite suspect, perhaps doing a scattershot attempt to extort monies not owed from anyone named " XXXX XXXX '' in the country. 

This attempt to collect monies, having been referred to a collection agency, could negatively impact my credit rating. 

Are there not laws stipulating specific legal protocol for businesses to follow???
Product: Money transfer, virtual currency, or money service

I bought XXXX {$120.00} on XX/XX/year>. They put a hold on my funds. Then they said I owed XXXX and would release my {$120.00} after I deposited the {$14.00}. I paid {$14.00} on XXXX they still held my money saying I had to provide a handwritten note a selfie and my ID. I did that and they now will XXXX even reply to me or release my money. The {$120.00} says its held until XX/XX/year> but they still wont release it.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have found a number of inaccurate information listed such as names, addresses, closed accounts & debt. 

It is my right under the Fair Credit Reporting Act to ask for the name & address of the business that claims the debt. 

My request is for they either to verify the information or to remove the debt from my credit report. XXXX, Experian, XXXX and XXXX XXXX are not maintaining reasonable procedures. 

I request that you comply with the law and give me the verification in writing within 10 working days of receiving this letter. It is important that I correct my credit report as soon as possible. 

I, as a federally protected consumer, am invoking my specified remedy as a consumer, and the debtor, I hereby demand all of the following : I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease & desist all forms of communication with me through any and all mediums UNLESS it pertains to my remedy in WRITING via mail pursuant 15 USC 1692c. ( c ).

I, the affiant and consumer, in writing with adequate information on all forms of remittance " accepted '' and the remittance provider address and the name exactly as it appears on the I.R.S statements so we can resolve this issue post haste. If you are not familiar with remittance transfers, please see Regulation B 12 C.F.R Subpart B " Requirements Remittance Transfers '' for your reference.

I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. I declare under penalty of perjury WITHOUT the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Overstanding.

The Fair Credit Reporting Act 5 Common Violations which include inaccurate violations, incorrect addresses, unauthorized accuses and right authorization are all violations.

15 usc 6802-6805 Disclosing my information 9-607. COLLECTION AND ENFORCEMENT BY SECURED PARTY 15 U.S.C. 1692e ) If a debt collector does violate the FDCPA they can be liable for up to {$1000.00} in damages plus any attorney 's fees. Meaning you all have been calling me about debts that have been CLOSED and PAYED off with GAP insurance and insurance. You can NOT collect on a debt after its been closed or payed off. You have violated my rights.

Additionally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After trying to access my consumer report to open another dispute, I was prompted to Chat with an agent. I explained that I noticed some unauthorized information on my consumer report that I would need removed under 15 USC 1681-3.Transunion assumed this role XXXX my express permission or consent. Transunion did not respect my right to privacy under 15 USC 1681 XXXX and they neglected to exercise their grave responsibility. They had no permissible purpose to tamper w/ my consumer reports. I have been embarrassed and discriminated against due to their negligence. I was denied a home loan for {$320000.00} for a new home for my family in XXXX due to their inability to protect me the consumer. They willfully input inaccurate information and caused irrefutable damage not only financially but emotionally. Attached is the chat with the agent, XXXX, who confirmed that Transunion had neglectfully mixed my consumer info with other consumers. 

( a ) Accuracy and fairness of credit reportingThe XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit card

I reported fraud on my Capital One credit card was denied my claim. I refused to accept this denial as these purchased were fraudulently. 

{$35.00} XXXX XXXX  XX/XX/2023 {$8.00} XXXX XX/XX/2023 {$50.00} XXXX  XX/XX/2023 {$10.00} XXXX  XX/XX/2023 {$50.00} XXXX XX/XX/2023 MADE on card ending XXXX
Product: Checking or savings account

Navy Federal was letting charges go through that were not supposed to and I was getting charged overdraft fees. I told them it was fraud and they just issued another card but kept happening. Not sure why the charges were let through even when I explained they were not legit charges. My XXXX account had that happen as well. They fixed it immediately with new card and stopped all payments. I can't go back but to XXXX time-frame and it happened before then.
Product: Mortgage

Just some history : My wife XXXX and I purchased our home in XXXX XX/XX/XXXX and my mortgage company was XXXX XXXX which then sold the loan to Specialized Loan Servicing, LLC, ( SLS ). At that time we where residents of Vermont and we spent the seasons in XXXX. XXXX XXXX XXXX on XX/XX/XXXX from XXXX. I sold my house in Vermont on XX/XX/XXXX and moved to XXXX. XXXX estate had been long settled and all our banks account where closed and I presently do all my banking XXXX. 

In XX/XX/XXXX I refinanced my mortgage with XXXX XXXX  and in XX/XX/XXXX SLS sent me a check for {$860.00} to close out my mortgage. However the check was made out to my self and XXXX. I called SLS and explained to SLS my wife had passed way and I couldnt cash the check. I also reminded SLS on XX/XX/XXXX I sent them a letter stating XXXX died along with a copy of the Death Certificate. SLS agreed they had a Death Certificate but SLS said SLS had to make the check out to both of us. After constantly explaining to them my wife estate was settled and I had no joint account. SLS finely send me to a person that could help, that person said to send a letter explaining the issue and SLS would send another check made out to me only. I typed a letter XX/XX/XXXX mailed it to SLS. I called again on XX/XX/XXXX and spoke XXXX ; he informed me they never received the letter. XXXX gave me a fax number and I faxed a copy the same letter I mailed early. I have a copy of the fax and the transmission verification report. I have called SLS on XX/XX/XXXX and was told the check was in approval process. On the XX/XX/XXXX I called to see if the check was released. I was told I should have the have the check by XX/XX/XXXX, never happened. I called again on XX/XX/XXXX. This time I was told to check has been approved, but not issued. I asked to have a manager to call ; once again they never called back. I called again on XX/XX/XXXX and was told again the check has been approved, but not released. Again I asked to speak to a manager ; again I was told the manager would call me within 4 to 6 hours. Never happened.

I must say SLS is the most unprofessional company I have ever deal with. One of the issues is every time I call the wait time is very long, and phone number that SLS provides is not the department that handles my problem ; so each time I call I have to go through the entire problem, then Im transferred to the correct department and wait. I asked for the number for that department and they wouldnt give it to me. Every person I spoke to said this shouldnt happen, we will get it fixed. 
This issue has been going on since XX/XX/XXXX, to my understanding there is legal reason SLS cant send me check. I believe SLS acted very unprofessional and the way they conduct business leaves a lot to be desired. I believe they are just jerking me around, with the hope I will go away.
Product: Debt collection

I am pasting the original complaint that we filed below. The company responded and verified that the loan was fraudulent and they had NO RECORD of any loan with my name on it, but it remains on my credit report to this day. The company requested that I fill out some 'credit deletion request ' form that would require me to provide them with my personal information. I believe that if I do this, they will either create a new fake loan, or somehow use the information I give them in that form to 'validate " this fake loan. I don't want to give them any of my information, nor do I feel that I am required. They are, however, required by law to remove the fake loan from my credit report and if this is a problem, I will GLADLY sue them, which I am in the process of getting started. A small claims case for fraud would suffice, using their own admittance that the loan is fake as evidence. 

Here is my original complaint : Subject : Urgent Dispute of Fraudulent Auto Loan on My Credit Report To Whom It May Concern, I am writing to request your immediate assistance in addressing a fraudulent auto loan that has been reported on my credit file. This loan, supposedly issued by Global Lending Services with a balance of {$30000.00}, is a blatant act of fraud that has nothing to do with me. Here are the details of this fraudulent account, taken from my XXXX XXXX  account : Account Holder : XXXX XXXX Loan Amount : {$30000.00} Loan Type : Auto Term : 72 months Account Status : Open Opened Date : XX/XX/year> Lender Contact Information : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX : ( XXXX ) XXXX I am outraged that Global Lending Services has committed this blatant fraudulent activity. This company, which is based in XXXX, GAnowhere near my residence in XXXX XXXX, XXXX clearly engaged in unscrupulous practices by associating this fraudulent loan with my credit. This false information is causing undue stress and has the potential to severely impact my credit score and financial wellbeing. It is unacceptable that a company can engage in such fraudulent activities, and I demand that this issue be rectified immediately. I am asking the CFPB to investigate Global Lending Services ' role in this fraudulent account and to ensure that this fraudulent loan is removed from my credit report as quickly as possible. The lender must be held accountable for their actions, and this fraudulent activity must not be allowed to damage my financial reputation. I have already contacted XXXX to dispute this account and will be pursuing further action against Global Lending Services if necessary. I trust that the CFPB will take the necessary steps to assist me in resolving this matter swiftly. Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. Thank you for your prompt attention to this serious issue. Sincerely, XXXX XXXX
Product: Debt collection

I was shopping for a couch at Raymours and Flanigan and got approved a card to pay off the couch in 12 months with a 0 % interest. I took advantage of the promotion and paid off the couch in 7 months. Later on in the year I noticed a negative tradeline on my credit report from Raymours and Fanigans. It was and still is reporting a charge off with a balance of {$310.00}. I have kept all of my receipts and the contract of sales. I will attach said documents to the report. There you will find that I completed my obligations to the debt and this company should not be reporting this information inaccurately to the credit reporting agencies.