23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I live in an HOA ( XXXX  XXXX ) and I have monthly payments of XXXX. I had a payment for XX/XX/XXXX which usually should have a late fee if not payed on time. I waited and paid both for XXXX and XXXX with late fees on XX/XX/XXXX. 

I received a mail from a debt collector on XX/XX/XXXX stating I owe XXXX $ in fees for lawyer and title search for not making payment XX/XX/XXXX XXXX. 

According to the lawyer, my XXXX supposedly sent me a late notice on XX/XX/XXXX and they sent it to collection on XX/XX/XXXX. I have never received a mail for late notice. I also want the day to be noted XX/XX/XXXX is a Friday and they had sent it to collection on Monday. What is the point of sending a late notice on Friday if debt is sent to collection on Monday. When was the person supposed to be addressing the issue. 

Now, when I have received the mail in XXXX I had already paid all my XXXX  fees at least two weeks prior to debt collector contacting me. The debt collector and my XXXX are fully aware on the XX/XX/XXXX that I have paid my full amount but they have locked my account so i don't make payment for XXXX and send me debt collection fees for debt I do not owe anymore. This is a very unfair and deceptive way to take advantage of civilians. 

The creditor/XXXX is also a very difficult association that is impossible to contact when I need help with making payment. There is no phone number to contact them and they do not respond to emails, which makes me very much certain that they did not send me any notification. They have my full address, email and phone number. That is at least three different ways they could have contacted me before they send fees that are not even two months late to a debt collector. 

Regardless. This debt was fully paid on XX/XX/XXXX and debt collector contacted me in XXXX. So yes, I had already paid in full the amount I owe. This complaint should be distributed to the debt collector and the creditor/XXXX XXXX XXXX in order to be addressed appropriately.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 usc 6802 Consumer reporting agencies XXXX, TransUnion and XXXX do not have my consent to furnish this information and they surely do not have my written consent per usc 1681 I have disputed, called and requested removal of inquires that i didn't give authorization to A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never was i informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C IT is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill it legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable abounds unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where, XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as XXXX inaction violates federal law and may rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I'm not able to access my online account with Optum Bank since I no longer remember the password to the account. I would like to re-set my password. 

I sent an e-mail to Optum Bank on XX/XX/2021, stating that I don't remember the password to my account and I no longer have access to the phone on file, and asking if my password can be reset. 

I received a secure message that I would need to call. I e-mailed on XX/XX/2021 stating that I don't have reliable access to a phone. I asked if my password could be reset and tax forms e-mailed to me. 

I received two secure messages with the requested tax forms. I also received a secure message that these forms would be mailed to the address on file, which is not what I requested. 

I received a secure message asking me to provide the following information : -First and Last name -Date of birth -Current phone number -Last four digits of your Social Security Number -Mailing Address I e-mailed this information on XX/XX/2021. 

I received a secure message that I would need to re-send my e-mail as a secure message through XXXX. I sent this information through XXXX. I then received secure messages that I would need to call. 

I've gotten confused with several of the messages I've received from Customer Care. I would like my password reset. I've been able to do this with another financial institution without having to call.
Product: Debt collection

Vance & Huffman has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation. Additionally, Vance & Huffman accused me of making false allegations and blatantly dismissed my concerns as well rudely stating that I can proceed as I see fit. Vance and Huffman stated in their response that their compliance department reviewed the call. However, I never gave permission to be recorded, as well as they have yet to produce and said findings of call. They removed the account from my credit reports and within the same 24hrs placed it back on to my credit reports. Which now reflects even more negatively as a new collection account. Thus, decreasing my scores even further. Vance and Huffman are blatantly ruining consumers credit by using ethical practices and preying on consumers ignorance. I sent Vance & Huffman a Default and Opportunity to Cure via certified mail. I received the return receipt as well acknowledging receipt. Attached please find the initial Affidavit of Truth dated XX/XX/2020 and Default and Opportunity to Cure dated XXXX XXXX, 2020. Vance and Huffman has not responded to date XXXX20. Thus, going past the required legal timeframe allowed for responding. I will now proceed filling with the XXXX and XXXX Courts in order to receive assistance with resolving said concerns. It is unfortunate that Vance and Huffman continue to violate consumer rights and behave as if there are no consequences for their actions.
Product: Credit card or prepaid card

I was contacted by  XXXX   XXXX   XXXX  /  XXXX   XXXX   XXXX  multiple times with promises of lowering my federal student loan payment, entering a federal loan forgiveness program, & relieving me of additional debt stress. On  XXXX / XXXX / 16 , the representative I spoke with,  XXXX   XXXX , advised there would be a flat fee of {$1300.00} payable in 48 months in monthly installments. If you were to review the calls, you can verify this is the exact information given to me, & I was advised to accept this agreement per our discussion in my email while on the phone with their agent. I later found out that my payment is actually higher and not set up as a flat fee payment, but actually as a revolving credit line with severely high interest serviced by Equitable Acceptance Corp. This was not how the product or payment structure was disclosed to me by their agent when discussing the enrollment documents over the phone. I was deceptively sold a credit card product and the sales representative took advantage of his position and abusively advised I accept this discussed payment agreement while over the phone through my email. The sales practice of falsely promising a flat fee, plus 20 % + interest, will cost me significantly more than what was promised, and has already caused m y credit score to  drop by  XXXX  points by creating more available credit to debt ratio under my credit card accounts with reporting bureaus. Plus, the amount of money I am now paying in interest is not saving me money on reducing my monthly student loan payments, again as promised by  XXXX . I was not sold a credit card and I would not have opened a credit card with Equitable Acceptance if properly advised. Additionally, although  XXXX   XXXX   XXXX   XXXX   XXXX  is a document processing company they failed to process their own documentation to set up my automatic withdrawals with Equitable Acceptance like I approved over the phone on  XXXX / XXXX / 16 . I verbally & electronically authorized monthly auto withdrawals with their payment servicer, Equitable Acceptance, while on the phone with the  XXXX   XXXX   XXXX  agent on  XXXX / XXXX / 16 . This caused one of my first payments to not be paid on time as agreed and further creating a late payment to show on my report. I have previously attempted to resolve with Equitable Acceptance but their written response was unprofessional, accusatory, & based on assumptions without investigating the sales tactics they stand behind & service. Because  XXXX   XXXX   XXXX  deceptively sold me the wrong product, with interest, on false promises, and failed to set payments up properly further causing financial harm to my creditworthiness, they need to waive their fee and close this revolving credit account. I never would have agreed to such a product if their sales tactics were responsible and honest.
Product: Student loan

I have several repeated accounts in which show on my credit report for these student loans. I am a public service worker and tried to get into XXXX of the repayment programs, however a re presentative that I spoke with told me that I spoke with told me that my payments will be higher and this just needs to be paid. Meanwhile I know for a fact that XXXX of the schools I attended no longer exists. 
XXXX XXXX XXXX - XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item from XXXX XXXX should have been deleted from my credit report. I paid for a pay for deletion and the item is still on the report. This item is also over XXXX XXXX XXXX. 

This is in violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card

I applied for a Capital One Venture Rewards card earlier this year. Capital One instead approved and sent me a Venture XXXX card. This is a different card with a much higher monthly fee. I never applied for the Venture XXXX card. They allowed me to cancel the card but now they wont issue me a new credit card, and I believe that the process of being approved for, and then immediately closing, the Venture XXXX card has hurt my standing with other banks, and negatively impacted my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max. XXXX 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x XXXX  : 1.XXXX XXXX XXXX 2 . XXXX XXXX Experian : XXXX XXXX
Product: Mortgage

I have been approved for a trial loan modification since XX/XX/2019 on my deceased brothers property that I am the owner of. 

I have made ALL of my monthly payments. I have to date STILL NOT RECEIVED my permanent loan modification. 

They said they mailed it in XX/XX/XXXX. I never received it. I called TWICE in XX/XX/XXXX. They said they would email me the paperwork, which both times NEVER came. They said they would XXXX XXXX the paperwork, it also NEVER came. 

Because of this, I still have NO PERMANENT MODIFICATION PAPERWORK. I am not going to continue calling them, because they promise, and fail to send the paperwork. Please help me get my permanent modification.
Product: Prepaid card

I had 3 charges that are unauthorized taken out of my acct. They totaled XXXX. XXXX explained they would send me a new card and the form to fill out which was supposed to arrive in 5 days. Stated had 10 days from day I called to respond and receive provincial credit. Called on XX/XX/2024. I finally got form in mail on XX/XX/2024. Past the date to get my provincial credit. 
I tried many times to call and get left on hold for over an hour at times or get hung up on. I am fed up! I am on XXXX and XXXX. I need this money and can't wait 90 days. This is so unfair! The government using this company is shameful!
Product: Checking or savings account

My wallet was stolen in 2017. The bank cards I never got in the mail I never could identity myself with the bank to even get a new card or statements. They kept saying I want me. Also checks I see is the information I never used checks. It wasnt into Two years into I was able to get the bank statements. Missing money and serval banks and check use has been used with my identity since. XXXX is the email that was stolen and hacked. The phone provider was XXXX. My wallet was stolen and bypass security was used with it. Changing the name to XXXX XXXX, also while removing me from the primary account holder. But using my social on the account still reporting phone and accounts thats not mine. I had an XXXX at the time. This is how my bank information, emails, and things was used.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 : Account closing XXXX XXXX frozen ) PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. we find this behavior unfair, which is causing enormous economic and moral damage to me and to my company My email linked to my PayPal is XXXX XXXX
Product: Student loan

Navient student loans are refusing to take factoring accounts on my credit report. I have sent numerous of certified letters to Navient to correct my " late '' status. Navient refused to verify or respond to any credit agency. I also closed my accounts with Navient. 

When I continued to send certified letters to Navient to prove my late status. Navient does n't respond to my request. I was sent a letter to prove to them. Navient is impacting my credit report and loss of opportunity. 

XXXX 2015 I called Navient dozens of time to correct to purchase a home. I also request a constant payment arrangement. Navient refused. This was the result of me losing to purchase a home and providing a great school district to my children. I have expressed to Navient the American dream was to complete college and provide a quality of life to my children. I 'm unable to this due to their incorrect reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the XXXX and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Date : XX/XX/2025 To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Student loan

I requested a refund 6 weeks ago and I have called them 4 times for updates since then. No progress has been made on my request and I need the refund in order to apply for student loan forgiveness.
Product: Checking or savings account

I had four unauthorized withdrawals from my checking account from 2 entities, totaling several XXXX dollars, on XX/XX/XXXX, which emptied my account, made my rent check bounce, incurred fees, and caused other emergencies. On another occasion, an obviously faked check was posted to my account. 

Customer service has provided wildly conflicting information, and refuses to provide a partial credit, or progress report. Now they say it may take 60 days to investigate an XXXX cent charge that hasn't cleared. 

The bank 's poor service and security are effectively punishing me for lapses on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to complaint # XXXX I received notification that this was a duplicate complaint. It's not a duplicate complaint because I have provided all of the information that was REPORTING INACCURATELY with XXXX XXXX XXXX XXXX. I have sent a dispute to the company and they have failed to respond to me. It has been well over 30 days. Nor have I received a response from Experian. XXXX and XXXX just updated the information but they have not stated why the information was updated especially if the account is closed, how can it be updated? Nor was that the reason for my dispute! 

What was the method used to verify that I was the owner of the accounts listed, and how were they able to update the information to MY personal credit profile? WHERE IS THE PROOF I REQUESTED? Why hasn't it been sent to me as I requested? 

Each day your company refuses to properly investigate this company and the incorrect items they are reporting, is causing me stress. Im asking you for probably the 10th time to please re-investigate the negative accounts that XXXX XXXX XXXX XXXX is reporting. 

How is this right that on each credit bureau they are able to report inaccurate information to my personal credit profile and reports? 

What are your methods to verify the accounts reported and the company reporting? Can you please provide them to me? If not they need to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my bill for account SYNCB/TJX CO Opened XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Product: Debt collection

Back in XXXX  I had cell phone service through sprint and later terminated that service as well. Per the agreement between XXXX  and I I was sent a box to return the phones and promptly did just that. I followed this process through until I got a bill in the mail in the amount of {$1000.00} and I couldnt believe my eyes. I called and asked what was going on, and not only do I have witnesses to this, but XXXX told me that they did receive the devices at the warehouse and then they were lost. 

I asked them to drop the charges, I got transferred to the billing department and was told that since they didnt receive them all the way through that I would be responsible for the balance on the phones even though they admitted to receiving and losing them.