23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I reached out to Best Buy on XX/XX/2023, after multiple failed attempts to reach merchant. Purchase was for a vacation membership. Cancellation policy requires that customer reaches out to merchant via phone number to cancel. However phone number is disconnected, therefore could not cancel. Started dispute with Best Buy Credit card, in order to get refund, as the contract stipulations were not being met by merchant. On XX/XX/XXXX, the dispute was settled in my favor, in the amount of XXXX. XXXX days later Best But reopened the case and reversed my payment, on the grounds that the cancellation policy was not followed. I have reiterated on multiple occasions that I couldnt follow the typical cancellation policy, because the merchants customer service line didnt exist. Best Buy didnt seem to care. Im not the only customer that has the same complaint against the merchantXXXX XXXX XXXX XXXXXXXX. A review of their XXXX would back up this statement. This has been going on for months. I simply want the money I am due.
Product: Credit reporting or other personal consumer reports

I asked the representative of Early Warning Services who gave them authorization to have my personal information in their reports? He said that XXXX XXXX XXXX gave that authorization for them to have my information. 
So, those weekly deposits is the claim that they have my private information without my permission. This is a violation of my privacy, as shown in The Privacy Act of 1974, the right to Opt Out, using 15 USC 1681 ( b ) Permissable Purposes ; unfair credit reporting, shown in 15 USC 1681 ( a ) ( 1 ), and 15 USC 6802-6805 ; Obligations and Enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX XXXX Balance : {$370.00}
Product: Mortgage

I dont know anything about the mortgage and Real Time Resolutions is claiming I owe a debt. I dont owe this debt or have any recollection of this loan. Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexus Nexus Consumer Center stated that they can verify their information. I request their information method of verification. The use of the last four of ones social security number is not a method of 100 % verification. It is Not my responsibility to to confirm their information to them. Please confirm you information to be true.
Product: Credit card or prepaid card

I received XXXX payment of {$99.00} due before XXXX/XXXX/2021. Today XXXX/XXXX/2021 I wanted to pay online it showed {$0.00} outstanding and current Balance of {$140.00}. I got confused ( long ago I paid 2 times the same amount but CHASE did not accept that ) and went to CHASE Bank at XXXX XXXX XXXX XXXX # XXXX as near me. I signed XXXX and for XXXX minutes there were No banker to great me or say someone will be with me shortly. I was the only XXXX at # XXXX. Then a Banker XXXX called me I went in her both and gave her my CC and ID as asked. I asked her How Much Do I have to Pay as per my monthly statement as due on XXXX/XXXX/2021. She told me {$99.00}. I told her that CHASE APP is showing XXXX amount, what is the wrong? Then she dig deeper and told me because I returned some merchandise therefore it has gone to XXXX. I asked her " then how much Do I Owe for this bill. and XXXX CHASE XXXX does not mention it, but creating confusion. '' She could not answer me but called her manger. Her XXXX did not Listened and started that CHASE IS CORRECT and what her staff has told me is right. when I wanted to tell my concern going all the way to the Bank to seek a HELP, she very rudely and angrily asked me, " DO YOU WANT ME TO HELP YOU '' I told her " YES ''. Then she again repeated the same sentences about the CHASE AND her staff. BOTH OF THEM DID NOT TELL ME HOW MUCH AMOUNT I HAVE TO PAY BEFORE XXXX/XXXX/2021. and I left the BANK
Product: Mortgage

Reviewing the online payment history, I found that the company has, again, misapplied a payment. On XX/XX/XXXX, per my telephone conversation with XXXX, {$1200.00} was paid to be applied {$1100.00} to pay the XX/XX/XXXX payment and {$84.00}, plus the amount of {$1000.00}, which for absolutely no known reason has been kept in a suspense account, to make the {$1100.00} payment for XX/XX/XXXX ( confirmation # XXXX ). However, the payment history online reflects the full {$1200.00} being applied to the escrow account on XX/XX/XXXX. This presents one major problem, as the company has been reporting my account as late this whole time, which if the XX/XX/XXXX payment was properly applied, is not the case. Also, had the XX/XX/XXXX payment been properly credited I would not have had to increase the XX/XX/XXXX payment to again add the extra to the amount held in suspense so it would be credited as a full payment. LoanCareXXXX XXXX owes me {$84.00}. 

The company was contacted on XX/XX/XXXX to catch up on payments amidst the COVID impact on our financial situation by arranging to have a payment of {$1200.00} deducted from a specific account on XX/XX/XXXX ( confirm # XXXX ) and again on XX/XX/XXXX ( confirm # XXXX ). For a reason that no one can explain to me, {$2000.00} was deducted from a different account on XX/XX/XXXX, which over drafted that account. A stop payment had to be placed on that ACH with my bank to restore the account. Because the payment was reversed the company continued to report my account as past due, however, had they properly processed the XX/XX/XXXX and then XX/XX/XXXX payments, the account would not have been past due. In addition, the company then charged me for the stop payment! It was your company who processed an ACH for an unapproved amount from an unauthorized account! This {$40.00} fee must also be refunded to me. 

Prior to this, I thought the company was helping me by allowing a payment forbearance. However, at the end of the term of the forbearance, on XX/XX/XXXX, I received a letter requesting payment, in a lump sum, of {$11000.00} was due by XX/XX/XXXX or face foreclosure. This was not explained to me when I accepted the forbearance. It was by the grace of XXXX that I was able to quickly put together enough money to avoid further negative action on my mortgage. Further, it is my understanding that for XXXX XXXX backed loans, which my mortgage is, a bank can not require that the missed payments, or portion thereof, can be demanded to be paid in a lump sum payment after the forbearance period. 

Prior to this was no picnic for me with your company either. Attached is a copy of my email of XX/XX/XXXX.
Product: Student loan

I have talked with the company and still feel like I am being discriminated against. It is my understanding that a cosigner is provided to make sure a loan is paid back. My cosigner has half the requested loan amount in a savings account and around 300 acres of land and last time I looked, XXXX acres was going for XXXX dollars in that area, more than enough to pay the loan if needed. I have explained that there are errors on my credit report that I am in the process of fixing and I sent them XXXX test results showing that XXXX and having to take the entire year of 2015 to learn to walk and wright. All I want is a chance to go to school, I want to do it on my own and I have made sure I had a cosigner who can pay the loan back with no problem. According to my research, it is against the law to discriminate based on illness or XXXX as long as the money can be repaid and I am being discriminated against for being ill no mater what some representative says.
Product: Debt collection

I was contacted last year from Credit Control , LLC trying to collect debt on behalf of XXXX XXXX XXXX in regards to a debt owed to XXXX. I sent them written communication and emailed them aswell the following : " To whom it may concern : I am writing to you because I received the letter attached. I don't owe anyone XXXX. I have disputed this collection from my credit report and has been removed from my account since this is not my debt. 

Please forward me any documentation providing proof that this debt is mine and that I applied with XXXX XXXX XXXX. If you can not provide this documentation, then please stop contacting me. 
Sincerely, XXXX XXXX XXXX XXXX' I attached the original letter, my driver 's license, last 4 of my social, complete name and home address to facilitate verification on their end. I called right after to confirm with a representative if they received atleast my email which was confirmed. They later replied back with the following response : " Thank you for contacting us and sharing your concern.

To assist, we will request verification of this debt from our client. Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. If you would like to provide further details regarding your concern, please send an e-mail to : XXXX Please allow at least 30 days to receive a response '' Which they did not respond because there should not be any proof that this debt is mine. Fast forward to now, I received a similar letter. The wording is the same however they provided a new reference number, same debt, same alleged creditor, etc. This is multiple violations under the FDCPA. They didn't respond in a timely manner and they DID NOT provide proof that the debt is mine. I wish to not be contacted nor harassed moving forward. The email conversation has been attached along with the 2 letters.
Product: Debt collection

I have been paying Plaza Services, LLC for many months now without knowing they are a collections agency. I was told via phone converstion that they were collecting the payment to be given to the original creditor, a company called " XXXX XXXX ''. I agreed to the monthly payments because they told me that they would not put this on my credit report since I would be paying the original creditor. This was a lie! I looked at my credit report and it shows a collections company called Plaza Services, LLC. I didn't know who they were since I didn't suspect I had anything in collections. I ended up recognizing the monthly payments I've been making. This is how I found out it was a collections company. I never received any offical correspondence informing me of who they were and what my balance was. It was all done via threatening phone calls. I agreed to pay to not have any negative remarks on my credit report on the phone. That was the pressure they used to get me to agree to give them my account information to take out monthly payments. They are still taking these payments out every months and on the credit report it shows a balance owed that is more that what was owed to the original creditor. They are ripping me off!
Product: Mortgage

I have been trying to resolve payments issues with my Loan Service Co, by I have not gotten a response. 
Here is my last communication with Rushmore : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XX/XX/XXXX at XXXX XXXX  Hello, I have been trying to get a response regarding the rejection of a payments send on XX/XX/XXXX in the amount of {$10000.00}. I never heard from you or other Rushmore Loan Management employees regarding my request. I have requested repeatedly from XXXX XXXX, but he has gone into silent mode now, perhaps with the intention that all be be forgotten on my side. 
Additionally, Rushmore Loan Services keeps adding late fees to my account, continues reporting me and my wife to the credit bureaus for nonpayment, and is still adding taxes and insurance to the bill at a time when I have sent proof of payment of Real Estate Taxes. 
Specifically, although I made another payment in the amount of {$10000.00} on XX/XX/XXXX that is not reflected in the mortgage statement thereby my bill for the month of XX/XX/XXXX amounts, incorrectly though, to {$12000.00} with late fees totaling {$180.00}. 
After I failed in my repeated attempts to reach XXXX XXXX, who did not respond to my calls, in my last conversation with you, you personally to remove late fees and resolve other issues related to my account. 
Please respond to me request and resolve the billing issues. I have attached two documents with this email showing payment in my side and a bill that does not reflect my payments Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX T. XXXX
Product: Credit card or prepaid card

I have a prepaid rewards card where the funds don't expire where I am trying to figure out the balance. I've contacted the company multiple times about this and requested a response in writing. No of the information has been helpful. The company claims they can not find information regarding the card. Photos of the card are attached. 
Additionally, the company claims they have confirmed the with their customer service team and I may visit their website, myprepaidsolution.com, to register the card. Once registered, I will be able to review any remaining account balances, as the verified funds no not expire. Any remaining balances can be arranged to be issued to me in the form of a cashier 's check sent to my mailing address. 
This is an issue with this claim. This card has been registered for months on the website given. If the website would give the balance there wouldn't be a need for me to contact the company. So the statement that they will see the balance there when it is register is simply incorrect and a blatant lie. I've attached a screenshot from my account at that website to show where it will not show any balance. 
I simply want the money from my card where the funds DO NOT EXPIRE and this company will not grant these to me. This company is stealing money from me. How many other customers is this company taking advantage of and stealing from by not telling them their balances and giving them their money? 
The company claims they have exhausted all options to resolve this issue. Pretty convenient for them to exhaust all options when they can just steal the money. I've provided all the information for this issue to be resolved by the company. The company is just not doing anything to resolve the issue and claiming they have done everything. Maybe, just maybe, they don't want to do anything because they can just keep this money from customers if they claim they have done all they can.
Product: Debt collection

Reached out to the company 3 times requesting debt validation and the company failed to remove this debt from my credit reports. I have proof of me requesting debt validation through the mail and the company failed to provide me with any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Caliber Home Loans transferred account services to XXXXXXXX XXXX XXXX on XX/XX/2023 Account # XXXX XXXX XXXX XXXX XXXX SC XXXX Caliber Home Loans transferred the services on XX/XX/2023 and up until today they have not forward any payments from XXXX and XXXX to the new service provider ( XXXX ). 
Caliber already closed my mortgage account with {$0.00} balance and its reporting account paid off to credit bureaus.

I know they have up to 60 days to forward my morgage payments to the new dervicer ( XXXX  ) and they have not forwarded anything yet. XXXX is about to start foreclosure proceeding on this loan for missing mortgages payments. 
Caliber Home Loans was receiving mortgage payments from the State of Florida Department of Economic Opportunity ( DEO ) under the Homeowners Assistance Funds ( HAF ) until XX/XX/2023, but Caliber has neglected to forward these payments to XXXX  in a timely matter therefore putting my home in jeopardy for lack of payments.
Product: Credit reporting or other personal consumer reports

Shellpoint mortgage servicing pull my credit report by mistake, and I just need for them to have the hard inquiry remove from all credit bureaus ASAP.
Product: Bank account or service

Citi Bank has denied me access to my checking account where over {$1500.00} is fudned. 

1. Can not bill pay 2. Can not transfer money in or out 3. Can not view charges or transactions or statements. 

Unethical and unprofessional conduct of Citi Bank continues. 

4. Bills will be LATE payment due to lack of access to funds Can not CALL and can not login online. 

Citi Bank is RUTHLESS!! 

DEMAND - APOLOGY and
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following 4 inquiries that I do not recognize or authorize and would like removed Credco XX/XX/2020 Credco XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on XXXX  XXXX and XXXX  that I would like removed from all of these bureaus
Product: Credit card or prepaid card

The company has offered me promotions to pay off my card and get it back since I was on XXXX leave. No matter how much I pay they refuse to unrestrict card and will continue to start promotion over. I asked my complaint be forward to the corporate office bo response they keep blaming on the system. I want the notes reread and the calls pulled. They are lying just keep adding extra fees.
Product: Debt collection

Did not receive my demand letter from this agency. Account now on my credit report. Have disputed with creditor twice. Have no knowledge they turned me to collections. On XX/XX/21 professional placement services have placed an account on my credit with no communication with me. I have disputed with creditor for improper billing per my insurance. Amount was for XXXX XXXX now they reported XXXX XXXX  to my credit. Per fdcpa I have 90 days to dispute with collections before it can be on my credit. I was not sent any notifications of this collections until alerted by credit.
Product: Vehicle loan or lease

I purchased a car with a credit transaction. I was approved for credit, signed the promissory and took the car home. Later I found out that I was a victim of " yo-yo financing '' which apparently is a predatory lending transaction. The salesperson and sales managers of the dealership later harassed me, attempted to get a warrant for my arrest for theft and reported a false claim, ultimately resulting in my arrest. I spent 31 days falsely imprisoned in jail.
Product: Debt collection

Subject : Request for Purchase Agreement of Sold Debt Account Number : XXXX Dear Midland Credit Management I am writing to formally request documentation related to the sale of the debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation and verification of the debt, which includes documentation establishing the chain of ownership. 

As such, I am requesting the following : 1. A copy of the purchase agreement that shows the sale or transfer of this debt from the original creditor to your organization or any subsequent purchaser. 

2. A complete breakdown of the debt, including the original amount owed, any interest or fees that have been added, and the current balance.

3. A breakdown of how your company verified that I owed the debt including signatures, identification, Social Security card, or the original contact. 

According to 15 U.S.C. 1692g ( b ), if you can not provide this information, you are required to cease collection activities until such documentation is provided. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any inaccurate information being reported to the credit bureaus. If this debt has been sold or transferred improperly, or if it can not be validated, any negative entries on my credit report must be corrected or removed. 

If you are unable to provide the requested documents within 30 days, I expect that all collection activities related to this debt will cease, and that any negative reporting to credit bureaus regarding this debt will be updated to reflect the error, or the account will be removed. 

Thank you for your attention to this request. I look forward to receiving the necessary documentation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the FCRA the list of accounts below have violated my right to privacy and confidentiality, and my right to be notified by written consents in a timely manner. 15 USC 1681 s2 ( a ) ( 1 ) ,15 USC 1651s602, and 15 USC 1681 s604a ( 2 ) protect consumers rights. The Cfpb " Notice to XXXX '', if any information that has been deleted from the consumer 's reporting file, the consumers reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion.On XX/XX/year>, I disputed several accounts on my credit report, the accounts were deleted, only days later to have those accounts reinserted.To date, I have not been notified of the reinsertion. 

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. ( The Bank XXXX Missouri XXXX XXXX XXXX ( Eagles XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting late payments on the accounts listed below and there are consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to Transunion. The listed accounts late payments should be corrected and marked current. I have never been late on the listed accounts. CFPB and Transunion 's failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2019 I was reviewing my credit report and came across an inquiry I did not recognize from Open Road Lending. I called their customer service line and spoke to a gentlemen named XXXX explaining I have an inquiry on my credit report that I did not authorize. I then asked him to verify if their company reported this in compliance with the FCRA consumer reporting laws. He confirmed the application did not have my signature.