23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had problems with this lender ( Discover ) for a long time now. They are not the original lender that I applied with, they acquired my loan by taking over XXXX. I have communicated with them several times about my financial situation and they disregard it. I have not been having steady for a while and have been placed on deferment plans prior.

It takes me time to make the payments, sometimes a little over a week after the due date. They call constantly and as of these past few months have gotten worse. These past two days alone ( XX/XX/22 & XX/XX/22 ), they have called seven times. I always let them know when I make a payment, that I will call in for the following month payment yet they consistently do this.
Product: Credit card

i had an unauthorized charge for XXXX from XXXX  on XX/XX/XXXX. I called the credit card company on that day to deny the charge. they reversed it at first but then charged it back to me and said I had approved it, I dId not, thats why i called immediately. 
The credit card claim investigation claimed they contacted me with the phone number on file, i never heard from anyone. I have been through text messages, Phone call log, emails, and nothing indicates contact from them. my XXXX  oddly received an email on XX/XX/XXXX showing the purchase of the tickets which was almost a month later. The basket ball game for which the tickets were purchased was in XXXX XXXX XXXX XXXXXX/XX/XXXX, i was in XXXX  at the time which i can prove, XXXX tickets, receipts, etc. 
My bank accounts and cell phone were also hacked at the same time. 
The scammers were very clever in making it look like I approved this charge. my Credit card company made no effort to properly contact me with such a large amount of money, this is elder abuse! I have been a faithful customer to US bank, and this is criminal.
Product: Credit card

On XX/XX/2024, my XXXX account must have been hacked. My account linked card, XXXX XXXX XXXX card ending in XXXX, which says XXXX but is actually run by Elan Financial Services, was used to make a purchase of flights totaling {$2200.00} ( XXXX confirmation code XXXX  ). I got an email from XXXX showing the purchase at XXXX eastern time. At XXXX eastern time, I received another email from XXXX saying that the purchase had been cancelled. 

To my surprise, Elan Financial Services showed this charge on my next statement, so I initiated a dispute with them saying these were fraudulent charges. They said I needed to provide evidence of this. I called XXXX and they agreed that the charge was cancelled and provided me a cancellation number ( XXXX ). I provided this number to Elan Financial Services and also a fax of the email showing the cancellation of the flights. 

Elan Financial Services continues to deny the claim provide a refund. It is now XX/XX/2024. They say they need more evidence, I tell them I have provided it and then they say a case manager will call within 24-48 hours. When they can I can not pickup due to work obligations, they leave a voicemail sometimes. I called back 5 days in a row to the case manager, leaving a voicemail each time, and no response from them. They appear to be stonewalling me from getting the refund despite clear evidence. I have cancelled my credit card with Elan Financial Services since this issue.
Product: Credit reporting or other personal consumer reports

The collection agency has engaged in false and misleading practices violating FDCPA 807 and providing misleading Forms violating FDCPA 812. Im requesting the CHAIN OF CUSTODY of this debt, LICENSE TO COLLECT DEBT IN NEW JERSEY and asking for PURCHASES AGREEMENT. If XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Can not provide anything Im asking for delete these collections account off my report IMMEDIATELY. 

Im requesting the CHAIN OF CUSTODY of this debt, LICENSE TO COLLECT DEBT IN NEW JERSEY and asking for PURCHASES AGREEMENT. If XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Can not provide anything Im asking for delete these collections account off my report IMMEDIATELY. 

Im requesting the CHAIN OF CUSTODY of this debt, LICENSE TO COLLECT DEBT IN NEW JERSEY and asking for PURCHASES AGREEMENT. If XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Can not provide anything Im asking for delete these collections account off my report IMMEDIATELY.
Product: Debt collection

portfolio recovery XXXX is calling me trying to find someone else and wants me to relay messages. They call me everyday. Its not my issue or my problem they are harassing me over someone else old debt. When they call they ask if so n so is there when I say no they hang up. Today I called them back and told them no one lives here by that name stop calling me. But every single day they call same thing over and over again. I tried blocking their number then they use a different number to call me.. Its like non stop ... 
XX/XX/2019 XXXX I dont have all the numbers they call on. but its everyday
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 amount owed {$1900.00} XX/XX/2019 amount increased {$2300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, DE XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Dear Debt Collector, I recently received a debt collector notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1. The name and address of the original creditor and current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Please state your permissible purpose for accessing my credit information. 
I dispute your right to do so. 

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit card

several months ago saw a charge on a very lightly used credit card - comenity XXXX  - that I did not recognize. asked for an investigation which they refused to perform. eventually I paid it while continuing to pursue a dispute, but they would not investigate and claimed they had no way of contacting the company charging me. they continue to harass me for interest and late fees.
Product: Credit reporting or other personal consumer reports

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-Currently I have tried to reach out to each company requesting a validation with my hand written signature as well as a 1099c form to prove it has been charged off. These companies are reporting inaccurate information which is really hurting my ability to obtain credit and provide for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. An unknown perpetrator used my unique identifiers to open various accounts without my knowledge. I filed an FTC Identity Theft Report ( report # XXXX XXXX on XX/XX/2020. I also filed a local police report with the XXXX Police Department XXXX report # XXXX ) on XX/XX/2020 describing the situation in detail. The report listed all of the accounts that were a result of the identity theft. I also contacted each company listed in the report and notified them of the situation and that I had been victimized and how harmful it has been in reference to my financial endeavors. I also opened disputes on the matter and promptly notified each of the major credit bureaus. Some companies required an affidavit of identity theft be sent in along with supporting documents to help aid the investigation process. Correspondence on the matter was to be given within 30 days of receipt of the documents. I mailed off an affidavit of identity theft along with supporting documents to Santander Consumer USA on XX/XX/2020 via certified mail ( tracking # XXXX XXXX. There has been no correspondence on the matter. I recently called to check the status of the investigation and I was informed that Santander Consumer USA has not gotten to my file yet and the investigation was still open at this point and has not yet been assigned to an agent. The investigation was supposed to be completed within 30 days of receipt of the documents. Documents that were delivered on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have some issues also with unrecognized addresses on my credit file Please delete the following addresses : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XXXX, OH XXXX I would like a full copy of my credit file.
Product: Credit card or prepaid card

I am currently in the XXXX XXXX. I opened a credit card with apple. I have tried to have my interest rate modified using The Servicemembers Civil Relief Act. They told me that they can not modify my interest because I opened the account while in the military. They also told me that the modification could only happen if I opened the account before I joined the military.

is what they said to me true? if not, what can I do with apple to have them adjust my credit interest rate using the SCRA
Product: Mortgage

I closed on the sale of my home on XX/XX/XXXX. The title company representing the buyer ( True Title Company ) sent a payoff check via XXXX overnight to Caliber Home Loans on the same day. The check was in the amount of {$170000.00}, which was the amount stated on the Payoff Letter provided by Caliber with a good-through date of XX/XX/XXXX. 

The payoff check was received on XX/XX/XXXX - confirmed both by XXXX tracking as well as Caliber themselves. Caliber returned the check to XXXX XXXX XXXX that same day, citing a payoff shortage. AT NO TIME DID CALIBER CONTACT ME. 

This in spite of the fact that the payoff check was sent with a letter from me, instructing them to deposit the check even in the event it was " short '' for any reason. 

XXXX XXXX did not process the return of the check ( which was sent only via standard USPS mail ) until XX/XX/XXXX. At that point XXXX XXXX contacted Caliber to demand that they honor the original payoff letter. Again, XXXX XXXX 's check was returned to XXXX XXXX - and only then - on XX/XX/XXXX - did Caliber contact me. 

XXXX XXXX finally learned that the reason for the shortage was a payment to my insurance company 4 days prior to my closing ; Caliber never updated their payoff statement. 

In the end, to ensure that the lien was paid off for the new purchaser, XXXX XXXX paid off the home loan for {$170000.00}. XXXX XXXX is now requiring that I cover the shortage in the payoff from the date of closing through the date of the original rejection letter - meaning I owe XXXX XXXX {$680.00}. ( XXXX XXXX has agreed to pay the remaining balance for the time it took to contest the short payoff ). 

Caliber 's behavior has been unacceptable. They : - failed to honor their payoff statement ; - failed to follow my signed, Letter of Direction ; - failed to contact me in a timely manner ; - caused me a monetary loss of {$680.00} ; - caused stress, time and other issues.
Product: Debt collection

I applied for an apartment at XXXX XXXX  on XXXX there was an app fee of XXXX dollars for me and an app fee for XXXX dollars for XXXX XXXX XXXX this was paid with a check for XXXX dollars. see attached. 

XXXX XXXX asked for a check for a deposit of XXXX dollars that would only be cashed if I was approved for the apartment. 

Per there application they had 10 days to deny or approve the apartment. They denied, then on XX/XX/2020 XXXX XXXX days after I applied they attempted to cash this check. It is clear this was set aside for deposit and instead of mailing the check back or destroying it they had misplaced it, found it, did not know what it was for and just cashed it. but this check was declined at this point. Please keep in mind the cashed and cleared the XXXX dollar check for the two app fees on XX/XX/2020. 

I have tried to call them and ask them for an itemized bill numerous times. i have attempted to email them as well. If I am missing something and I owe them XXXX dollars I would like to know why and what for. the refuse to provide that for me. 

to make matters more difficult the collection agency or there company has been sending the bill to the wrong name. the have been trying to bill my XXXX year old daughter and there fore i was just recently made aware that this is on my credit report. 

ive asked them to provide a itemized bill and they have not done so. ive asked them to take it off my credit report because i do not owe that money and never have. i have also never received a bill from this. 

I have done everything possible to resolve this situation and would have no problem paying XXXX dollars if I owe XXXX dollars. but as of yet i fail to see where they could believe i owe them money. if so all I am asking for is documentation and I will pay it. but given that they have refused to provide that and that they have been attempting to bill my daughter I have asked this be removed from my credit report. 

I would suspect XXXX XXXX has a tendency to operate like this and most people give in and just pay because it is such a small amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a settlement sheet showing this house was paid off on XX/XX/2017 however this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/2017. Reporting shouldve ended on this line of credit for XX/XX/2017 with me only being 30 days late at the time.
Product: Vehicle loan or lease

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent notarized letters to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for physical verification of several accounts that are affecting my credit and they have declined all 4 times to provide me with what I have requested. All will be available in the attached files.
Product: Money transfer, virtual currency, or money service

On the XXXX XX/XX/2016, I fell prey to a sophisticated fraudulent retail profit pool company by the name XXXX XXXX ( the Company ). Money was transferred from my account to the Company via a bank wire for a total amount of XXXX GBP utilizing JPMorgan Chase Bank, N.A.services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I called to initiate a 3 month repayment plan that included the XXXX payment, that would be added into the XXXX, XXXX, and XXXX payment. I spoke with multiple reps and Supervisor 's over the course of a couple weeks to get clarification and adjust payment dates. Each time I spoke with a rep. I asked about negative remarks on my credit reports, and they all stated that their would be no remarks left on my credit report if the instructions of the repayment plan were completed correctly and timely. A complaint was sent to CFPB about the aforementioned issue because I was reported incorrectly for XXXX. The company responded and stated in the attached document, that they did in fact report XXXX to the credit bureaus in error, but found that they did report correctly for XXXX. Attached you will find the response from the mortgage company. My complaint is that the XXXX negative remark is a error as well. The repayment plan was cancelled and restarted, and was to include the XXXX payment, which according to the repayment plan, the XXXX payment had to be received by XX/XX/XXXX to avoid negative reporting. A payment was made on XX/XX/2019 for {$2000.00} which was the initial down payment and the requirement needed to avoid negative reporting for XXXX. This was all advised by the Supervisor I spoke with on XX/XX/2019. She stated that if I made the down payment and returned the documents, negative remarks will not be made. I clarified 3 times before ending the call. The original repayment plan was altered but still included XXXX. The Repayment Plan document states " As of XX/XX/2019 the total past due amount is {$4000.00}. This amount includes all past due payments of interest, principal, and escrow .... Your past due amount is now part of your new total monthly payment amount listed in the repayment plan terms section below. '' It states later on the document ; " The initial payment of {$2000.00} must be received in our office on or before XX/XX/2019. '' Therefore, I should have been protected from any negative reporting for XXXX and XXXX because the repayment plan terms clearly outline that all past due amounts are included and it also includes the down payment date and amount which received on XX/XX/2019. This has now happened 4 times, and twice the company has acknowledged they made a mistake, this complaint and a complaint from XX/XX/2019, which has been sent to CFPB separately, should be investigated and corrected on my credit reports.
Product: Mortgage

Amerisave.com cheated me into signing up with them for low interest rate, I was asked to pay for Apprisal. But when the apprisal came it came at XXXX, when XXXX was showing at XXXX and I myself spent over XXXX over completing garden level basement. I felt the guys wantingly tweeked to offer me a loan and then get apprisal. It looks like they do this constantly for all customers. XXXXXXXXXXXX is the person and they knew for sure they were not going to offer the loan but pushed me to accepting the agreement using low interest rate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and notice an account that was not reporting accurately. There are 6 inaccuracies showing on my report that should be reporting as current due to protection under the CARES ACT. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. 

According to Sec. 4021 of the CARES ACT If a furnisher of credit information provides an accommodation to a consumer affected by the COVID-19 outbreak, and the consumer complies with the terms of the accommodation, the creditor generally must report the account as current. 

An " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

A modification and agreement with XXXX XXXX XXXX XXXXXXXX was made on XX/XX/XXXX ( attached in documents ) and the account has been current/good standing since XX/XX/XXXX. 

The CARES ACT states If yourloan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

I am requesting you investigate the following accounts and the following payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) be updated to CURRENT/PAID ON TIME.
Product: Mortgage

We were going to refi with our mortgage company, they lied to us about charges, we cancelled. they said we would have NO charged repeatly. We have a {$30.00} charge that I 've called every month for 3 months now to get taken care of. They give me the run around, XXXX department says I have to talk to the other and vice versa, no one seems to know whats going on. Refi department says we will not have to pay it but customer service needs to fix it. customer service says we have to talk to refi. then we get the same run around. month after month I call and then get the same run around and the charge is still on my account.
Product: Debt collection

I received a debt colection notice from a bill in 2014 that I was never aware I had, when I spoke to supervisor XXXX XXXX at Radius Global Solutions she basicly said there was nothing I could do to correct the issue did not offer to help to even settle the debt she only said she would make a note saying that I was declining to pay.
Product: Credit reporting or other personal consumer reports

I want you to investigate this inappropriate information on my credit report. 

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

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type listed as finance/personal last payment account type the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.