23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed this ARS account numerous times with experian. This account have not been validated. I have sent a validation letter with the expectation and information that I requested per the validation letter which reads : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I have not received the validation information from this company and they are to remove this negative account immediately from my credit files.
Product: Student loan

I am a full member of the XXXX XXXX XXXX automatic relief group my loans were obtained in XX/XX/04 for XXXX  XXXX XXXX XXXX XXXX XXXX ( this school legally closed before I attended but remained operating under it XXXX for XXXX seems really illegal ) through nefarious practices. The government has seen that I am unburdened and refunded for the harm caused and I would like Navient to do the same and give me back what is mine monetarily since I can never get back the decades of struggle they perpetrated on me by predatory loans. I am aware of the Navient school misconduct discharge application and believe I am due one.
Product: Mortgage

1 ) The mortgage servicer FlagStar Bank has failed to accept and permit the submission and review for Mortgage Assistance to XXXX XXXX XXXX and XXXX XXXX XXXX. Mr. & Mrs. XXXX were denied a modification in XX/XX/XXXX. However, the reason for denial, being the lack of 4 payments within the 1st 12 months of origination was accepted by the note holder/mortgage insurer FHA. 

2 ) FHA whom insures the mortgage agreed to provide an exception based for the XXXX mortgage, so that a modification could be provided. However, FlagStar Bank did not follow up on appeal process provided by the XXXX. FlagStar also neglected to follow through with FHA/HUD and honor the exception provided ; so that modification can be obtained. 

3 ) FlagStar Bank improperly started the foreclosure process prior to the customers, XXXX XXXX XXXX and XXXX XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect.

4 ) FlagStar Banks behavior constitutes dual tracking, based on the process starting before the 120-day delinquency period and FlagStar Bank representatives stated that file would be reviewed for mortgage assistance programs and exception provided by FHA/HUD would be honored ; however instead a sale date was entered into the system for XX/XX/XXXX.

5 ) FlagStar Bank did not review application instead FlagStar Bank ignored submission that was received 45 days before sale date ; and entered a new sale date of XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I have applied with XXXX XXXX to receive a ppp loan i was approved and signed my documents from the SBA with a loan number on XX/XX/XXXX. i was told i would be funded within 10 business days. it is now going on over a month since i signed. i was told at first i didnt need any type of verifcation questions nor did i need to submit my license again or anything and that i was all set. Now i dont get status updates from XXXX their reps when i try to get a response, just copy and paste and dont even let me ask a question. When i ask them what i need i get different answers each time. one told me i need to submit my license even though i already did at first. then i was told i was funded and to check with my bank. then a few days later i was told i needed to upload and send my license on the portal but i dont have access to it. then i was told to submit tickets and i submitted one everyday for 2 weeks and i havent heard anything back yet. i cant get update texts because the link doesnt work. i gave them my info and now i feel like they have committed fraud.
Product: Credit reporting or other personal consumer reports

all 3 credit bureau are reporting totally different balances and closing date and open dates on my credit report and all are in correct and is hurting my credit report and doesn't help with getting a loan for a XXXX time home buying, can you please delete all incorrect information i have attached docs. that was sent to all 3 bureau
Product: Debt collection

This complaint serves as my formal request for validation of the debt reported under the account number referenced above, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I demand immediate action and full compliance with the law.

Your attempts to collect this debt are unjustified and unlawful for several reasons, and I am prepared to take aggressive legal action if this matter is not resolved immediately. I am under no obligation to pay this debt, and I have never consented to any contract or agreement with your company. Therefore, you must provebeyond any doubtthat this debt belongs to me and that you have the legal right to collect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, Back in XXXX of 2021 I requested that all 3 bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.
Product: Credit card or prepaid card

I opened a Credit Card account with Capital One to repair my credit after bankruptcy. I set up payments with my new XXXX XXXX XXXX checking account. I did prior have both a Capital One credit card and an old XXXX checking account that has been closed for over 4 years. I started to make payments and first one went through and then the second was rejected and didn't understand why since funds were available. When I saw that it was going to go past 30 days past due XXXX sent another payment since I did not want my account to go late. That payment was also rejected and then thought I may have had a typo on account and went in and tried to fix but wasn't able to see account information so I tried to input account correctly but was unable to since it said that account was already available. This is the ONLY account I could see. I called Capital One on 3 different occasions and was told about the old account is what I was trying to pay from and informed them that was impossible since that account does not appear in the app I used to pay. After talking to 3 Managers and all telling me they would look into, my last call with Manager I was told they all should've told me there was NO recourse since new account and nothing they could do. They closed my account and reported me 20 days late that hurt my reestablished Credit. Told me to get lost and nothing I can do. This is WRONG and I am harmed for their technical issues, not mine. This hurts me with credit and so surprised no one treated me like a human with legit concerns on failure not mine. My account is closed and harmed my credit!
Product: Debt collection

This account was open fraudulently, I have never had a credit nor do I want one. As I look at my credit report I was incarcerated when this account was open. Im reporting that mindland credit has been reporting on my credit inaccurately under code 15 u.s. code 1692c, 15 u.s. code 1692g, 15 u.s. code 1681e ( b )
Product: Credit card

I redeemed cashback offers on my credit card and US Bank portal shows offer as redeemed XXXX XXXX Earned : XX/XX/XXXX Account : XXXX {$9.00} However I never received any credit. The agent I chatted with on XX/XX/XXXX told me that I should have got the credit within 2 weeks and they were unable to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX lied about amount of payment. They said they will change it after threats of taking the truck back but they had already sold my trade in. I was going to contact Attorney but then the wrote a new contract with the right monthly payment. Its been 2 months and Ally financial still does not have new contract. XXXX actually paid my last month payment but Ally broke their contract by not applying my first payment to the proper month. My first payment due date was XX/XX/21 I made payment XX/XX/21. After 5 attempts of reaching out verbally a emailed 2 times. Every associate from Ally has lied and said it will be taken care of in 2 days. I now have paid late fees and have to deal with this on my credit report. I feel they both are in Breach of contract Ally Financial and XXXX XXXX of XXXX Ks. Can anyone help?
Product: Debt collection

I did not receive any answers to my question. I have no valid purchase agreement from this company, I did not receive any answers to my questions prompted in my document. I have sent this information in years ago and still never received an answer.
Product: Credit reporting or other personal consumer reports

There are some unauthorized inquiries on my credit report that I did not approve of from : XXXX  XXXX, XXXX  XXXX and XXXX  XXXX XXXX
Product: Debt collection

I checked my credit report and it shows there is midland credit management reporting to for a XXXX account. This account is shown to have been opened around the XXXX cramming lawsuit which makes the amount not certain and needs to be immidently deleted from all credit bureas. 

XXXX has agreed to fully refund its customers for unwanted third-party charges it placed on their phone bills, a practice known as mobile cramming, paying at least {$90.00} XXXX to settle a Federal Trade Commission lawsuit filed earlier this year
Product: Checking or savings account

XX/XX/XXXX or XXXX used debit card for verification online. Was supposed to hold a dollar then release it. 
Began getting debits from different accounts the that I had no transactions with. 
XXXX sites charged for subscriptions. 
Called my financial institution and was advised to get in touch with the companies. Called the following day and advised them two companies had returned my funds. But I needed to go ahead and cancel card and finalize my dispute. I was told to get as much information as I could and how long it may take to get decision. Also if after ten days they are still investigating I would get a provisional credit. 
In the meantime I kelp trying to reach out to the two companies. I did get a refund from one that makes three. The last company I got there number from my statement. Okay back up on XX/XX/XXXX I got an email stating that the dispute was closed and that they found the transactions were credible. I called to ask how they found credible because I could not contact the site. The customer service team was incredibly rude to the point they were laughing at my frustration. Thats when I called the number on my transaction and found out it was their name and phone number but not their account. They even emailed me which I sent with the dispute paperwork on the XXXX of XXXX. I called yesterday since it had been ten days and I was told I needed new informations for them to review the status of the dispute and they werent changing their decision even though the company XXXX emailed stating it was not them. Also I told them three of the four refunded me. I also still have the email from the merchant stating that the information my financial institution have is not correct so how did they verify it is credible? The financial institution is XXXX XXXX XXXX  or The Card as some know. The amount of the transaction was XXXX. There are screenshots enclosed. I was trying to get resolved before XXXX as I needed the funds for gas company and we have been without heat for awhile.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed one account that i wanted a little more explanation ; this account ( XXXX XXXX XXXX ) is SPECIFICALLY reporting INACCURATE. I have been sending in numerous letters for the past few months and I have not gained any recognition on my dispute!!! On each credit bureau the information is reporting un-accordingly on Numerous details and TransUnion, XXXX, and XXXX refuse to hold this creditor accountable!! the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Each credit bureau is VIOLATING my rights and this law! 

15 U.S.C. Sec. 1681i ( a ) States that if you can't provide proof, these accounts must be deleted. Well I want this account deleted lf they are not XXXX percent correct on all XXXX bureaus So, could you please check on this account and get back with me? I met with the state board where a lawyer says you have 30 days to complete this investigation. 
Please investigate the following account and remove them if anything is missing or not correct on them. 

Type of Account : Charge-Off Action Requested : You Have disobeyed the FCRA laws PLEASE investigate if every piece of information is correct. If not, please remove it from my credit report. Also, please let mo know who had access to my fle. I want the investigation outcome to be sent to my address! put on the Headline. Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect. Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 under section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 's 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 someone tried to steal my identity by opening up a credit card with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX 's XXXX  ran a hard inquiry XXXX and XXXX 's XXXX  has since been removed from my credit report. XXXX  and Equifax are refusing to remove the XXXX XXXX hard inquiry. I have a letter from XXXX XXXX stating that Transunion and Equifax are to remove that hard inquiry because it consisted of fraud. Thank you. 
XXXX XXXX.
Product: Checking or savings account

I've really had enough of Wells Fargo. I made several small purchases however before I made those purchases I deposited enough cash to cover those purchases and I also received XXXX money to make sure. Yet somehow as always with Wells Fargo they're saying my account is overdrawn, which Is a problem in itself because I told them months ago don't cover any purchases if it's not enough money to cover them just decline the purchase. Now back to the problem at hand the. Csr couldn't comprehend that when I deposited cash it should have been available immediately along with the XXXX  deposits I received. However the csr goes on to say that the purchases made are cleared then changed it to pending then said it wasn't enough to cover the purchases which was a lie in itself when the money had been deposited before the purchase and the XXXX  covered it. I'm sick of Wells Fargo period and as soon as I'm able I'm switching banks. I'm tired of The raggedy customer service and the raggedy bank. They should make sure their customer service has decent comprehension skills and make sure they're not screwing the customer over. If you have an option utilizing another bank do it. Wells Fargo is a crook the customer service is XXXX, they can't string a sentence together or comprehend anything said to them or they get an attitude when you ask them questions when they have to do their job.
Product: Vehicle loan or lease

complain about AVID ACCEPTENCE. ON XX/XX/XXXX i had agreement with them. as long i pay them my monthly payments. they not going to come after me for late fee. I record as voicemail from their lawyer with this agreement. his name XXXX XXXX. plus i have proof from my lawyer. And i was paying since XX/XX/XXXX or XXXX a month. but on XX/XX/XXXX i receive phone call from avid telling me that i owe to them XXXX dollars as the late fee from XX/XX/XXXX to XX/XX/XXXX when i couldn't pay because i was battle with XXXX ( XXXX and hospital XXXX, XXXX XXXX thru XXXX ) plus covit. was on medical leave plus XXXX. thats why i had that agreement with there lawyer. but the represenative dont care hi said i need to pay XXXX they repossesset the car. and they didon XX/XX/XXXX. then they send me the letter that i broke the promise in our agreement, but i didn'i have proof they did. if they will go after me more i will put this case to court. 
thank you
Product: Debt collection

Debt buyers purchase old debts for pennies on the dollar and then seek to collect the full amount. They often file lawsuits to collect on these debts, frequently resulting in default judgments against consumers. These judgments can be incredibly harmful, leading to the seizure of bank accounts, vehicles, and other property. 

In my case, debt collectors misrepresented themselves as helpers, claiming they could settle my debt with XXXX XXXX, which originated in XX/XX/XXXX when the pandemic started. They sent papers offering payment options, falsely claiming they were there to assist. In XX/XX/XXXX, they informed me that my account had been transferred to a litigation department, but no attorney had reviewed it. By XXXX, I began receiving letters from lawyers stating that Portfolio and Associates was suing me and providing a case number. This information was not initially communicated by Portfolio and Associates. 

Upon reviewing the accusation, I saw that they claimed I made purchases and failed to make monthly payments to XXXX XXXX. While this was true due to the pandemic, it was never my intention to default as I had always paid on time before. The debt collectors, now claiming to be successors of my account, demanded full payment. 

On the same day they filed court papers, they pressured me into agreeing to a payment plan. To avoid court and because I couldnt afford a lawyer, I agreed to pay {$100.00} a month in exchange for removing the court trial. They accepted, but the court trial date for XX/XX/XXXX remained. 

They insisted I sign an agreement letter, which I did and returned with a tracking number to ensure timely arrival. Despite this, they later claimed they couldnt remove the case unless I paid in full and recommended I hire an attorney, which I couldnt afford. Eventually, the lawyer dismissed the case without prejudice, meaning it could be reopened. 

In XXXX, I discovered the case had been reopened. They claimed the payment didnt go through, which was false as I had provided my bank account details. They mentioned another account in their legal department, continuing their harassment. This persistent deceit and manipulation by debt buyers is exhausting, especially for someone like me, struggling to find a job and facing hard times.
Product: Debt collection

I submitted my XXXX application and they clearly did not evaluate any past payments made pre-consolidation. The temporary waiver states that regardless of payment plan, if you were working for a qualified employer that the payments would count if they were made on time and for the full amount. Mine are qualifying payments and they only counted the payments after my consolidation application was processed. I am missing XXXX payments in my payment count, which would qualify me for forgiveness.
Product: Credit card or prepaid card

I filed a dispute with Citi Bank to request a refund for two separate charges from the merchant XXXX XXXX XXXX XXXX. The original agreement was to set an appointment to style my hair in which I had cancelled but the stylist never refunded me, then a month later, they charged my credit card again without any explanation and would look into it and issue me a refund but never did. They eventually blocked me from communicating with them and I am currently out almost {$800.00}! 

The merchant was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX || XXXX || XXXX XXXX I sent over all communications that I had with this stylist/merchant and the dispute team did not do the due diligence of honoring the refund, crediting my account, and charging the merchant back the funds. 

The appointment had been made directly with the stylist, through text, not the XXXX party booking app XXXX. The stylist made the booking through XXXX and did not honor cancelling the appointments as we discussed through text message. I tried numerous methods to work with getting a refund from the merchant. I asked for the full refund because I cancelled the appointment, I tried giving leeway to letting them keep 25 % of the initial {$380.00} charge even though services were not provided! Afterwards, the merchant blocked me from communicating with them and refused to provide my refund, which is where Citi Bank comes into play. 

For the dispute, I submitted screenshots of text messages, emails, proof of contacting the 3rd party company XXXX and even going as far as to include medical evidence to prove my cancellation. I found it a bit excessive to provide medical receipts, but I was willing to provide a strong argument for my case that I was owed a refund. Unfortunately, I was denied by Citi even though I did everything I could to resolve the issue with the stylist and charges, they did not look out for their consumer. 

I will be sending over more information to Citi for an appeal regarding the dispute to Citi Bank with even more documentation than I originally submitted. I went as far as to prove that the 3rd party booking company XXXX stated that the stylist does have the ability to provide a refund! Regardless, the merchant should not be paid for something that didnt happen!