23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX  sent me a debt collection notice regarding a XXXX XXXX bill for services dated XX/XX/XXXX in the amount of {$710.00} for account number XXXX. I called XXXX on XX/XX/XXXX at XXXX XXXX  and spoke with XXXX # XXXX. I informed her that I was calling to dispute the debt and that an error in billing was being discussed with XXXX. She state that she was not going to do anything with the dispute until XXXX sends them something in writing. I reminded her of my rights as a consumer to dispute any debt and that the collection agency needed to follow up with the original debtor to validate any debt. XXXX argued and continued to refuse my request for dispute until I requested to speak to a manager. XXXX was reminded that this conversation was on a recorded line and at that time she complied with my request. I contacted XXXX billing department shortly after and spoke with an agent who confirmed that I had ab balance due of {$710.00}. I informed that representative after looking at the statements that this account was on a payment plan which was set up on XX/XX/XXXX via telephone conversation. The payments were to be EFT through my checking account ending in # XXXX. The representative confirmed this payment plan and stated that payments were being made on the account via mail with various check numbers. She then stated that XXXX payment processing was applying the payments to other accounts with balances instead of the account designated on the check and payment slip with the bill. I was told that instead of following the attached payment voucher that XXXX was applying the payments with any account associated with my patient number # XXXX. When ask why this was done I was informed that the wanted to keep my newer accounts current instead of making my payments on my old accounts, which the payment was designated for. I have made a complaint with XXXX and awaiting management to resolve this issues. XXXX XXXX XXXX has stated that they will not do their do diligence and follow-up on the account.
Product: Credit reporting or other personal consumer reports

Over the past couple of years i have sent multiple certified notarized request to provide the original consumer contract from multiple accounts. I never received the original consumer contract.. Account remain on my file and my requests have gone ignored with just reponses of " verified '' yet NO orginal consumer contract provided.. this is exhausting how can you put a file on someone report but DO NOT provide the original Instrument??
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX Fraudulently claiming XXXX owed on a fully satisfied lease agreement. 
Company claims this is an early termination fee for lack of sufficient notice when. 

1 They received Mutiple notices 3 months in advance. 
2 They refuse to acknowledge they have received the notices despite showing them 3 They claim a 60 day notice is required on a month to month 30 day lease which is violation of Nevada State Law 4 They refuse to acknowledge all written communication that the term of the lease was satisfied in full with more than sufficient notice.

5 They knowingly used litigation trickery to lead us into a month-to-month extension on this 60 day notice without disclosure.

6 The matter is going to court and there is no amount due unless ordered The co-conspirator collection agency they use to exercise this same scam on many people is IQ Data International Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is very poor service. They do not work with the consumer or give a detailed information. I did not give written consent or said any documentation and I am not obligated to this debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
has violated my Consumer rights : Account name : XXXXXXXX XXXX XXXX Bankruptcy : # XXXX, Account name : XXXX XXXX XXXX XXXX  : # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX  : # XXXX, Account name : XXXX  : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from TARGET/TD, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that TARGET/TD is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my account was reported as Delinquent in error, I called capitalone and they removed the status from my account.
Product: Mortgage

I am working with XXXX XXXX XXXX and Amerisave called me pretending to work with XXXX XXXX and had me sign paperwork and pay for an appraisal, all under the guise of working with XXXX First. 

I talked to my loan officer over at XXXX XXXX to find out Amerisave lied to me and that XXXX XXXX has no relationship or affiliation with Amerisave at all
Product: Credit reporting or other personal consumer reports

Transunion has failed on multiple occasions to provide the method of verification on how a bankruptcy is accurate on my credit report. As a consumer, I have the right to know how information is verified according to the FCRA. If the information can not be given to the consumer, then the account must be deleted according to the FCRA. Please view the PDF attached to view all documentation i have submitted
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX, A Texas XXXX XXXX and Brick and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Consumer typing on XXXX Search XXXX loans XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Consumer via Algorithm .... Loans ... word typed is via internet Loan companies of XXXX different online Loan Companies re directed to XXXX XXXX XXXX XXXX local XXXX XXXX XXXX XXXX XXXX call them or apply @ store. The XXXX XXXX XXXX XXXX, TX store in person will usually deny consumers via a Prejudicial Profiling bullying XXXX official tactic face to face. They say XXXX will he mailed denial letter in 10 days. The XXXX employed at said store refuse to show XXXX any info they are in possession of on their computer monitors at time of denial in person. The XXXX XXXX XXXX tell XXXX must wait 6 months to re apply. Loam Funding via XXXX XXXX XXXX XXXX in Texas, XXXX XXXX XXXX come from XXXX verified often cash investor sources aka " dark money ''. XXXX XXXX XXXX often dba 'd with multiple Texas XXXX stores investor/owner/TX State Comptroller licensing and XXXX # wise so there 6 months Loan denial to re apply policy is " data brojeraged/sold '' to other Franchised Loan/title XXXX loan Licensed Texas XXXX Stores Online/Brick and Mortar. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Businesses allegedly share and sell Consumers living in XXXX XXXX XXXX XXXX, TX XXXX XXXX brokerage XXXX Credit scores, Registered Voting Districts, Criminal Records, Pawn Shop info XXXX he XXXX XXXX Cobsumers XXXX XXXX XXXX, XXXX 's Pawn Shop, XXXX XXXX, XXXX Anerica Pawn, First Cash Pawn in Texas along with above XXXX XXXX XXXX said XXXX Info to Local Law XXXX XXXX Officers and US Federal XXXX XXXX XXXX XXXX. In Support of all Police I think Police XXXX and XXXX Federal are Victimized as well as Consumers XXXX above said Loan/Pawn lenders in XXXX XXXX XXXX XXXX Texas and XXXX XXXX Texas XXXX
Product: Mortgage

On XX/XX/21 I received notice that my mortgage loan was sold to a different mortgage company PHH Mortgage. They sent me a notice that I was to pay an additional {$92.00} for hazard insurance. I called my Insurance company, XXXX and spoke to a customer service representative, who then contacted PHH. After 30 minutes of waiting and being transferred to other departments, we finally reached someone. XXXX agent faxed my insurance coverage to PHH on XX/XX/21. I thought the problem was resolved, however, I received a letter by mail on XX/XX/21 stating my payment for XX/XX/21 would be the same as before ( included the XXXX ). 



Thank you for your help. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are multiple problems with my credit report as listed on the letter attached inquires that are not mine wrong accounts and and inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much XXXX, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this several times not only is this inaccurate Equifax has it twice on my credit file XXXX XXXX {$140.00}, no balance owed and listed twice XXXX XXXX {$750.00} unknown and no such debt owed, no validation is obtainable, remove Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have request a removal of the fraudulent addresses from my credit report, and stated that I am a victim of ID theft. 
My Name is XXXX XXXX XXXX, please remove any other variations of my name. Please remove the following addresses, I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX, OH XXXX I would like the following phone numbers removed from my credit report as well, they are not mine : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX.
Product: Checking or savings account

On XX/XX/year>, I opened a checking account with Chase Bank online after receiving multiple promotional mail offers, including a {$300.00} bonus for opening an account. I funded the account with {$920.00}, which I earned through my work with XXXX and XXXX. 

On XX/XX/year>, Chase closed my account without warning or explanation. When I called customer service, they refused to provide a clear reason for the closure but stated that I would receive a cashiers check for my full account balance within 10 days. 

However, when I received the check on XXXX XXXX, it was for less than {$4.00}, not the full {$920.00}. Chase still has not explained why my money was taken. I made multiple attempts to contact Chase to get an explanation, but each time, I was either given vague responses or told to wait for a letter that never arrived. 

If Chase applied my funds toward an old account balance, they failed to notify me or provide proper documentation. I did not authorize any deductions or offsets. I believe Chase has unfairly withheld my money and failed to follow proper banking regulations regarding account closures and fund disbursement. 

I am requesting an immediate return of my full {$920.00} and a written explanation of Chases actions. If this issue is not resolved, I will consider further legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 60 days since I sent a letter outlining inaccuracies and unknown entries on my credit report, but I have yet to receive a response. This lack of action and communication is unacceptable, as it feels like I am being taken advantage of and ignored. According to Section 611 ( a ), a failure to investigate such items within 30 days warrants immediate removal from my credit report. As it has now been well beyond that timeframe, these accounts must be deleted without delay. Failure to comply will result in legal action due to the undue stress caused by this situation. Moreover, my personal information was compromised in the XXXX data breach, which makes it all the more imperative that this situation is resolved quickly and effectively.
Product: Debt collection

The following accounts are a result of identity theft and the person that committed the theft is now deceased which is how I found out about the theft. A cousin with the same first and last name that I was trying to help with XXXX XXXX   issues stole and used my social security number and made several visits assuming my identity. I have filed a complaint and had my report pulled as soon as this was disclosed to me however according to the police department I have no further recourse since the thief is deceased. 

I am asking for the above mentioned to be considered for the following accounts. CAPIO PARTNERS LLC XXXX {$930.00}, CAPIO PARTNERS LLC XXXX {$77.00}.
Product: Checking or savings account

I've been trying to link other banking accounts for transfers with pnc through XXXX. Sometimes it works and sometimes it doesnt, I recently linked one of my accounts finally with no problem. Now I'm trying to do the same with another account but it keeps denying. This is the biggest inconvenience that pnc has been constantly causing withing the past year!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

{$500.00} was stolen from the cash app account I sent funds to on XX/XX/23 and my bank account was charged. Gave cash app the name of the person who did it, but Cash app says its nothing they can do. Bank cant help because the charge is still pending.
Product: Debt collection

XX/XX/2020 - I sent XXXX XXXX XXXX of XXXX XXXX, Florida, an intent to break lease. After paying up debts owed to the property, I later found out the amount they tried to collect from me was not verified in the lease agreement. I asked for the information to ensure it was valid and not given any information. I asked for this information for over XXXX months and never received anything from the company that stated why I owed the amount listed on my credit report. 

My credit and rental history is being affected and now I can't access the company that put the debt in collections because they are no longer in business.
Product: Credit reporting or other personal consumer reports

On XXXX Experian received a dispute requesting to remove these accounts Account Name : XXXX Account XXXX XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX and also to provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Today is XXXX the XXXXXXXX XXXX More than 30 days have passed and you have not been able to provide the requested information. Remove these accounts from my reports as you are in violation of my rights. 

15 U.S. Code 1681i - a states that if you aren't able to meet these stipulations you are to remove the accounts from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Mortgage loan number : XXXX To Whom It May Concern : We received a letter and a package from Chase dated XXXX XXXX, 2016. This letter addressed the application for mortgage assistance. As per our knowledge the borrowers XXXX XXXX and XXXX XXXX had not provided, not requested, not applied for a mortgage assistance. Therefore, Chase is not on any capacity to enter our loan into such program without borrowers consent. Chase and its subsidiaries are breaking the lending guidelines rules and regulations in regards to mortgage lending and assistance programs. 

The borrowers XXXX XXXX and XXXX XXXX sent a letter addressing the issues with Chase, loan servicing and escrow accounts assessed. The borrowers requested that Chase eliminate the current loan outstanding and release the lien in the property in question as a bargain of any lawsuit against Chase for malpractice and breach of contract. The borrowers had never requested mortgage assistance. 

All of these documentations will be submitted to the legal authorities if Chase does n't take the matter seriously and proceed as request for borrowers to release the lien against the property and eliminate the current loan outstanding as pay off. 

If this concern is not address within 30 days of this letter a legal matter will proceed against Chase and subsidiaries. 

Best regards, XXXX XXXX and XXXX XXXX
Product: Student loan

Hello, I need assistance with my private student loans. I do not understand how they can be charging me so much and increasing my interest rate without my knowledge. I graduated from college in 2012. I borrowed from XXXX XXXX ( now Navient ) a total of {$30000.00}. To date, I have paid {$21000.00}. My current balance is showing as XXXX. I do not understand how I can owe so much money. My balance seems to never decrease even though I make regular payments. I do n't know that I am ever going to pay off these loans. I recently started trying to increase my payments to try to pay down my debt faster. As soon as I began increasing, XXXX XXXX increased my interest rates and the amount I owe has increased. This is not fair. I try to call but I am never able to get in touch with anyone. I need help. I do not want to default on my loans but I am afraid that will be my only option. I can not continue to make outrageous payments and not be able to decrease my debt.