23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Evening, my issue is with XXXX XXXX XXXX XXXX XXXX Ive gotten several letters from the company stating that they need to hear from me or they will pursue legal action. After doing some research i noticed on their website it states that they actively seek XXXX XXXX military members and will seize all collections towards them. Ive contacted that company multiple times and always get directed to a number that always goes to email. They always tell me to just leave a message and they will return my call. This issue has been recently come up in a background check for my security clearance but i get no response from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ITEMS WITH ALL 3 BUREAUS AND HAVE NOT RECEIVED ANY RESPONSE OR RESULTS, BY LAWS OF TH FCRA IF THE BUREUAS ARE FOLLOWING THE SAME LAWS AS YOU, THIS SHOULD NOT HAPPEN. PLEASE ASSIST IM ATTACHING, DRIVES LICSENSE UTILITY BILL SSN, AND FTC IDENTITY THEFT REPORT. 


THIS IS CAUSING MY FAMILY SO MUCH FINANCIAL STRESS **************ATTACHED IS A LETTER FOR EACH CREDIT BUREAU******XXXX
Product: Vehicle loan or lease

Requested Hyundai Finance to expediate the process of getting state title transfer from TX as I only have 30 days to register my car and get new plate under law in WA once moved. They mentioned it will take minimum XXXX weeks and refuse to expediate after calling numerous times, mentioning their system will not be able to override and refuse to provide an alternative solution to the urgent issue. 

I am also requesting this for my protection to show in case Hyundai Finance continues to postpone and was unable to provide state title to my Vehicle registration office at XXXX XXXX and Services in XXXX, WA on time. Just in case I get tagged for the {$520.00} minimum traffic fine as a resident and did not license my vehicle in WA due to this delay. 

I submitted the formal request for state title transfer under Hyundai Finance portal on XX/XX/2023, and now only have XXXX more week until the 30 day limit is up. Attached is what the current status is showing which is still XXXX weeks process time until they will be able to transfer state title which is too long.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent {$350.00} by XXXX to XXXX ( to my husband ) as a XXXX gift. The transaction was cancelled. I was told a refund would be sent to my bank account in XXXX days. After the 7 days, I called XXXX to see why the $ weren't in my account. They told me that my bank was holding the funds in as " distribution reserve '' account. I called my bank. They said they had no funds in any " distribution reserve '' or any other account that matched the refund amount. Thus, XXXX has defrauded me of my promised refund XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 10 hard inquiries on my equifax report with equifax and they stated that they have been verified. So on XX/XX/XXXX I wrote a dispute letter and mailed it to equifax asking them to show proof of how they verified these hard inquiries and to show permissible purpose. They said to contact the creditors. Ive contacted several of the creditors and theyve told me theres no proof of application or info on me. Equifax is not reporting on my credit report correctly and I want these inquirys removed immediately. 
I also disputed a collection account that I do not believe is accurate or belongs to me. XXXX XXXX. I mailed this dispute letter in on XX/XX/2020.
Product: Debt collection

In XX/XX/XXXX, I started receiving letters from a MRS BPO LLC @ XXXX XXXX XXXX XXXX XXXX, NJ XXXX saying I owed {$17000.00} I know that this is a scam as I am well aware of my past and current debt and have had excellent credit for years. I sent them a response via certified mail requesting the original signed contract, the age of debt ( statute of limitations ), date of last activity and date of first delinquency and noted that re-aging is not legal. 
In XX/XX/XXXX, I received correspondence from MRS BPO LLC which consisted of 3 pages of hand typed columns with " {$11000.00} '' typed into each box with dates from XX/XX/XXXX - XX/XX/XXXX. 
The debt date is typed in as XX/XX/XXXX. 
A charge off date is typed in of XX/XX/XXXX. 
Date of last payment was typed in as XX/XX/XXXX. 
Date MRS bought the file was XXXX/XXXX/XXXX. 
Where my name and address should go, it listed a bankruptcy attorney 's name and address as : C/O XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, WA. 
XXXX XXXX is a bankruptcy attorney in XXXX, WA. 

This is not a valid debt. MRS BPO LLC needs to be fined. 
The lawyer who is referenced in the address bar is also suspicious and needs to be investigated - If XXXX XXXX has sold her bankruptcy client 's files, she needs to be disbarred. 

I sent a cease and desist letter today to MRS BPO LLC.
Product: Credit card or prepaid card

XX/XX/2022 {$190.00} Payment delinquency notice. ( credit card ) the XX/XX/2022 I received a call from XXXX XXXX Bank " XXXX XXXX ", the message on my voice machine wasn't clear so I call the branch the XXXX and they told me nobody call me. They didn't tried to rich me out. 


XX/XX/2022 I receive a letter " right cure " for miss payment " one credit card. " I contact my personals banker and manager and they told I didn't pay. 

First of all we set up all my payments in " auto-payments '' Secondly I told them when the credit office call ( I didn't know was the credit department ) I call the branch but no one in the branch was able to tell me my due payments. 

Of course I pay my debt, ( It is no the problem ) but they have not right to report on my credit score and lower my credit card limit. They said it's my fault ; it's not because I email back when I received the voice message.

Moreover the manger didn't care when I tried to tell them I file the complain office and the CFPB.
Product: Student loan

I lost my job in XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I sent a letter to Sallie Mae stating I was unemployed, and was seeking employment. I stated that I had no income and was forced to move back in with my mother ( at her house ). I could not afford the {$50.00} payment they were demanding I make just to defer my loan. I stated that as soon as I would gain employment, I would contact them. They have refused to deal with me and refuse to accept my situation. They do not seem to understand that I have no money and no income. 
I have applied for several jobs but am still waiting to hear back. I have also applied at XXXX Universities ( XXXX departments ) in order to return to full time classes XXXX and resume my graduate studies. 
I have done all I can do for now and as I stated I have no money and no income. Sallie Mae just refuses to listen or to deal with me.
Product: Credit card

I requested info on why my XXXX XXXX  card for my business was canceled, I was not late on any payments and they stated verbally that because of my high rate on my over all accounts, which I then told them this card is affiliated with my business and I am not late on any payments and have a minimum amount on this card. I also asked if that was the case why haven't you canceled my Amazon card which is also with your bank, I canceled my Brandsmart card and paying that off at this time. They said they would send me a letter and we ended. the call. I tried to speak with them again after I noticed they have applied late payments to my account when I asked to speak with a manger they put me on hold and then hung up on me. which is why I am very upset.
Product: Credit reporting or other personal consumer reports

3 complaint closed today without addressing the issue and once again giving explanations that have nothing to do with the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan said that it was not on my credit report but it is. I gave the car back when if fell into financial trouble and could no long afford the car. Nissan stated that I was not the only one to have ever fell into financial problems and had to give the car back. It was ok and they got the car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking all 3 credit reports, I found an entry for a credit card issued through XXXX XXXX Bank that was showing in collections through XXXX XXXX XXXX. As I have no knowledge of this account, I disputed in with the credit reporting agencies. They said that the report will remain as they confirmed the information is valid through XXXX XXXX, XXXX. 

On XX/XX/2023, I wrote to XXXX XXXX XXXX stating that the account through XXXX XXXX Bank does not belong to me and that I have no knowledge of such an account. I then requested a complete copy of all documentation they had from XXXX XXXX Bank, proof that I authorized the account, copies of all receipts of purchases, etc. made, etc. I requested that the information be provided within 15 days or I would file a complaint with you. 

It's been 30 days since my letter to them and no response. The account they say belongs to me does not and they have not proven that it is. They have not responded. I want the information removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent in many letters in regards to the records management systems in order to get clarity on my record with trans-union but to no avail i need help in order to fix the many erroneous errors on my reports. 

The erroneous errors found on my report are actually violations under the fair credit reporting act and i have attached them to this complaint to the cfpb not only for a resolution but to bring closure before i bring my attorney in for restitution and court costs for 20 years of sending letters and calls in regards to my credit.

I have found ten ( 10 ) Violations on my credit report under the fair credit reporting act and the fair debt collections practices acts. My payment history is thirty-five percent of my credit score and this is not shown or reflected in the monthly payment legend on each account in my file.

Under section 611 ( a ) ( 2 ) and section 1681 ( i ) is my right for modifications to my accounts open or closed to reflect a accurate credit history under the fair credit reporting act as well as Fair and Accurate transactions acts, Electronic Funds Transactions Acts by which i demand accuracy in my credit record. The fair debt collections practices act of time barred debt is what i am disputing under section 1681 ( c ) as well as section 609 of the actual contract and record with a signed signature.

I have pulled my credit report from trans union and i have made changes with ink on my report along with the changes in ink with the law that i am disputing on each account with the sections and the law for a complete understanding by which i am disputing in order to correct the erroneously errors completely that i have submitted to my attorney. 

I have attached pages XXXX of my credit report so that you can see the errors on the report by the law of the FTC. I also dont want them to use e-Oscar on the investigations of my disputes so that if in thirty days they dont respond i want the account deleted from my credit report
Product: Debt collection

In XX/XX/2018 - XX/XX/2018, I was treated by XXXX XXXX XXXX of Nevada as I was being treated for Stage XXXX XXXX. The deductible portion of the services were not billed to any of my insurance companies. The debt was turned over to PlusFour INC. collection agency, who ruined my credit by reporting this bogus claim. I am and was covered by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX insurances that were never billed. I am unable to refinance my home because of this negative on my credit report. In twenty years, I have never had one late notice or any negatives on my report. The total amount is : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am in Collections, and 120 days or more past due, on the DP OF EDUC accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.
Product: Money transfer, virtual currency, or money service

I received a debt collection letter from XXXX XXXX XXXX XXXX regarding a negative paypal account balance on XX/XX/XXXX Knowing I didn't have a negative balance, I called their service number immediately, and they informed me that someone opened an account in my name under the email : XXXX They had my SSN, name, everything. The man at Paypal told me my identity was most likely stolen, and to file a police report, freeze my credit, etc. and they would file it for a fraud investigation. I call them again on XX/XX/XXXX to see when I would be able to access my acounts again, as I do a lot of business online. 

They told me that they reviewed the case, and didn't see it as fraud.. They are now asking for the negative balance of {$770.00}, and that they find me responsible. I offered the case file # that I filed with the XXXX County Sheriff 's Department for them to re-open it, since my identity WAS stolen and they refused.

It's ridiculous how un-helpful they were. I am astounded.
Product: Mortgage

I had been approved for a loan modification, XX/XX/2020 payments have been on time for 7 months, now I get an XXXX payment returned due to lack of paperwork, I have try to reached out to SPS and each time a new answer, pending who answers the phone, even the onbudsman has conflicting information ; help I getting further define, as daily life happens and the mortgage is getting further behind, I not got a brand new answer one I have not heard. That I was to have 2 copies of the notarized papers.. what.??? Ok. Now I wait. Once these will be returned I can know it will be a different matter, no wonder the rating is 1 and most consumers would like to make this company a XXXX, Has been almost a year and they are still missing documents
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
Delay in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXX  payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

- XXXX/XXXX/17 I got identity theft and XXXX ( American Express ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked XXXX to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX  handled it very well and quickly. 

XXXX XXXX also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended immediately.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In and around XX/XX/XXXX of 2020 I received a television as an annonomys gift, I figured it was from one of my vendors from work. shortly thereafter I realize my account with XXXX XXXX  is in suspense. I wasn't sure why, then I receive documentation from a company called telecheck telling me I owe two separate amounts, one for {$650.00} ad one for XXXX. I called XXXX and they told me that they do not know anything about this and I have to call the collector, I called the collector and they said they cant give me any information but asked for my banking information and then to fax my account and routing number to them. I have no idea who tele check is and I asked them to please send me more information and they refused. I am thinking I have identity theft but I do not wasn't to g through the trouble to freeze everything until I verify, I have had theft in the past but not through XXXX, the person I spoke with would not give me an employee ID number, there is also an address on my XXXX XXXX account that is not tied to me or anywhere I have ever resided, I have no idea why its on the account I asked them to remove and they said they are investigating, I can not remove through the website
Product: Credit card or prepaid card

On XX/XX/XXXX, my CitiBank Best Buy card was charged {$200.00} for a XXXX XXXX renewal. I was not informed of this renewal charge at any time. I did not receive a bill in the mail from Citibank Best Buy nor did I receive any notification from XXXX XXXX this charge was to occur. 

On the morning of XX/XX/XXXX, I received a text message stating my Citibank Best Buy Credit Card was delinquent. I therefore called Best Buy Citibank who stated that I would need to dispute the charge with XXXX XXXX. I contacted XXXX XXXX and spoke with XXXX who stated that the full {$200.00} would be refunded to my account within 24 hours and that I would receive confirmation of this. 

After waiting more than 24 hours non of the charges were refunded, therefore I once again contacted Best Buy and Geek Squad. Initially I spoke with a representative of Best Buy Citibank. I mentioned that to her that I never received a bill from Citibank concerning this transaction. She stated that according to their records one was sent but agreed to waive the charge since sometime mail gets lost. 

I then spoke with Geek Squad Supervisor XXXX from XXXX XXXX, who stated that " since my Geek Squad Renewal was not cancelled within 30 days, they were only able to prorate the charges and not the full amount ''. XXXX said that XXXX XXXX sent an email informing me of this renewal prior to the charge being applied. XXXX than verified an incorrect email on file. I NEVER received email renewal notification since it was sent to an incorrect email address!. 

After the XXXX XXXX prorated charge was removed, my Best Buy Citibank card now reflects a delinquent balance of {$34.00}. XXXX XXXX says they cant remove the charge since I did not cancel within 30 days ( I was not notified of this transaction more than 40 days after it occurred ). Best Buy Citibank says they can't remove a charge which was authorized ( I never authorized this charge ). 

After 4 days of phone calls and more than 5 hours on the phone I have finally be able to lodge a dispute with XXXX. However they are still reporting my delinquent and threating to negatively impact my credit if payment is not made on the remaining balance. 

Having never missed a single credit card, installment or mortgage payment, I take my credit very seriously. However at this point I believe I am being extorted to pay for a service I did not ask for, never received notification of renewal, never received a bill and never used. This is a prime example of UNFAIR AND DECEPTIVE PRACTICES!
Product: Money transfer, virtual currency, or money service

I was purchasing shoes service from PayPal and I send it through friend and family instead of good and service. So PayPal say they cant do anything about that. It was on XX/XX/2023. The amount was XXXX. I did report through PayPal and they cant do anything. I was scam.
Product: Credit card or prepaid card

This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX Sheriff 's Report. Also attached is XX/XX/XXXX XXXX County Judgment and felony conviction for credit card abuse and references my card. Also attached is XXXX Mississippi arrest for false pretenses, forgery, and credit card abuse. This should be important to Discover. It reflects how she impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a FTC fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.
Product: Debt collection

I never received a phone call ( never left a voicemail ), mail, or email regarding this debt collection. I asked for the hospital to send me an itemized list to compare pricing to make sure they were not over charging me. And they never did. I called and let them know I never received the list. And they never called me back.