23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had a student loan from XXXX XXXX which eventually converted over to Discovered student loans. 

This loan was co-signed by my mother who went into bankruptcy several years ago. For a while, she was making payment until going into bankruptcy. After she filed, I stopped receiving invoices, bills, or any correspondence from Discover. I was not told about the bankruptcy and the loan disappeared from the credit score and this all began. I researched and found out I was not responsible for paying the loan 'during ' the bankruptcy period. 

Meanwhile, I began to get contacted again ( this was well over a year ago ) by discover threatening to send my account to collections and my information to the credit bureaus for not having paid the loan. I called Discover when I received this notice and reviewing my account online. Out of the total $ XXXX balance, they listed that I owed over {$1000.00}. I advised them I am happy to make a payment however I need to receive a statement or invoice. They refused and demanded I pay the $ 1000+ or the full balance. I reminded them that I need a statement because I think there payment schedule is in error. They were nothing short of rude and disrespectful during our call and I responded in like kind. 

They did not elaborate on any detail, missed payments and refused to send me any bills. I later come to find out that they can not demand what they are demanding during the bankruptcy. I actually attempted to open a new account and have the loan transferred to a different provider after the horrible experience and they explained they couldn't as the account was frozen during this time. Until now I dropped it. 

Today, I log in to check my credit score to see it had dropped 80+ points overnight due to this account. My parents are still in bankruptcy until later this year and I have received no bills, invoices or any correspondence explaining what I owe from Discover. Now I am in a position of a negatively affected credit score, on a frozen account where the creditor is demanding an irrational payment on no basis where I do not even have the option to take transfer the loan to a provider who isn't the equivalency of a loan shark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a capital one auto finance inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach and request that the following accounts and inquiries be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of the breach, and I am taking action to protect my credit. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

On Thursday, XX/XX/year> around XXXX I made a purchase at XXXX XXXX XXXX XXXX Missouri XXXX in the beauty/cosmetics section. I asked the person at checkout ( XXXX ) to look up my JCPenney store card to put the purchase on it. She proceeds to tell me that my card is expired and that she needs to update my information. I specifically said this is only updating my information, correct? I do not want to apply for a new card. I said this 3 times to confirm that I was not applying for a new card and she reassured me this was just updating my old account and card ( my XXXX XXXX XXXX son was standing there and heard the whole conversation ). I am currently in the process of applying for a mortgage loan and do NOT want any more inquiries made to my credit report. I am very disappointed and aggravated that this girl did in fact apply me for a new credit card WITHOUT my consent and lied about doing so. I called the JCPenney Credit Card Customer Service line to which a lady named XXXX ( around XXXX once I received an Email notification that I had a new credit inquiry to my credit report ) said she put in a request to take the inquiry off my credit report. I also called and spoke to the XXXX of the XXXX XXXX in XXXX, MO to inform her of what happened. She said she would speak to the associate ( XXXX ) and all her associates to make sure that does not happen again. I do not want this affecting my XXXX XXXX.
Product: Mortgage

My XXXX home loan was just sold to SLS in XX/XX/2017 while in the process of trying to obtain a loan modification. SLS demand the same loan modification documentation again which have been provided on numerous occassions. Last week I received a threatening foreclosure notice from SLS while my loan modification review is still pending. SLS is not allowed under federal law to engage in dual tracking - which is beginning foreclosure proceedings while at the same time processing a loan modification request. I have called them to complain but received the run around. They have a horrible customer service. SLS has refused to abide by the CFPB 's new guidelines and failed to bring its system for processing loan modification applications into compliance.
Product: Credit reporting or other personal consumer reports

In Accordance to 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 Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account DEPT OF ED/XXXX XXXXXXXX Account XXXX XXXX XXXX Account US DEPT. OF EDUCATION XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumers reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumer report containing any the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 card or prepaid card

I have contacted Capital One on several occasions to resolve the account that does not belong to me. I have offered to send updated copies of my social and ID to confirm. Capital one has reported the account ending in XXXX to the wrong credit report. 

Capital one has a social security number reporting under a social that doesnt belong to me. Please review the attachments for further review. 

I would like to be contacted at XXXX
Product: Credit card or prepaid card

Back in XX/XX/XXXX. I lost my wallet with my drivers license and credit and debit cards, I reported an unauthorized charge to comenity and they opened a dispute for the charges on XX/XX/XXXX for XXXX in the amount of {$630.00} and XX/XX/XXXX XXXX XXXX in the amount of {$100.00}. They returned the money back to my card and sent a new card to my address on XX/XX/XXXX they added the charges back to my card saying I was responsible for it because according to them I presented my ID when picking up items at the store. Since I lost my entire wallet obviously the person who charged my card also used my drivers license. I requested the case to be reviewed and at the moment the charges are not back to my card and I refuse to pay something I did not authorize. per card agreement I am not liable for charges I did not make
Product: Debt collection

In XXXX I submitted a dispute online to the credit bureaus to dispute a claim from XXXX XXXX XXXX. The collections company is XXXX XXXX XXXX. They have constantly called me and as I checked my credit report I noticed the dispute was never answered. So I contacted them on XX/XX/XXXX and verbally disputed the claim. I received a letter in the mail from them dated XXXX XXXX, XXXX that they were needing additional information from the company and needed additional time to contact me of the results. On XX/XX/XXXX I contacted Warfield to inquire if they had heard from the company. The told me they had not received a response. I asked how long before they waited until they considered my case founded. The company claimed I owed them money for damages to an apartment that I gave early termination notice of the lease, but paid the lease in full for the month prior to vacating, AND I did a walkthrough video of the condition of full apartment. Since I paid the rent in full for the month I still had possession of the keys. When I went back the appliances had been removed from the apartment. I questioned the management and they said they needed for another apartment. I later received a bill in the mail for damages, which I disputed then and now. I still have the still pictures and the video of when I vacated the apartment. To date they have been noncompliant with trying to resolve this matter in removing this false and negative collection from my report. The confirmation # Hunter Warfield gave me is:XXXX
Product: Credit card or prepaid card

Discover closed my credit card account which I had maintained in good standing for more than 30 years due to inactivity. The cfpb should stand on the side of consumers in this matter, since the entire world was effectively shutdown due to the COVID 19 pandemic in 2020. It is unconscionable that big business can use a computer default to close accounts and concurrently negatively impact credit scores. I am XXXX years old and like the majority of Americans, I followed CDC, federal and state guidelines to shelter in place for 2020. That Discover Card apparently continued their practice of closing accounts during the pandemic makes them the worst of business players. If nothing else Discover Card is the poster boy of bad business behavior during this most difficult time in world and American history. Over the years I most often used DC to shop at XXXX but in recent years XXXX is mostly closed, so my use of the credit card was limited to paying off accumulated debt and balance transfers. In my defense, Over the years I have paid off more than {$20000.00} in debt lo Discover Card and certainly they received interest on my debt. I rate them poor in business practice and consumer confidence.
Product: Debt collection

Received a letter from my landlord dated XX/XX/2022 stating that in addition to the {$99.00} security deposit I had with them that I owe an additional {$200.00}. It said there was an enclosed copy of my resident move out statement showing itemized charges, however there was no attachment. I called the office at XXXX XXXX and they said they would have someone contact me. Later someone I believe from corporate, called and told me it was for smoking. I asked to have the proper letter sent to me showing the charges so that I could investigate and see if they were legitimate and or to dispute the charge. They never sent me a letter. Instead they turned it over to Genesis collection agency. Genesis called me and I asked them to send a copy of the charges as I wanted to dispute them. They said they could not mail me anything. I never heard from them again. They never sent a letter within the 5-day period required. Instead they just put it in collections which appeared on my credit report and lowered my credit score by XXXX XXXX I sent them a letter. I sent a letter to XXXX XXXX apartments and I notified all three credit reporting agencies. I am also going to notify the XXXX XXXX XXXX XXXX since they did not send me proper notification within the 15-day. So legally they owe me back my {$99.00} security deposit. I am also notifying the XXXX XXXX XXXX. Since I have been unable to get a written statement of the charges I will hope that you are able to get that information for me. Thank you
Product: Credit reporting or other personal consumer reports

I asked the call taker why would Capital One still have both of the auto loans, that are paid off reporting on my credit report. I explained that the loan amounts are still being use in my debt to income ratio, and is impacting my credit score and reporting. Call taker stated that I would have to talk to the credit reporting agency, and that the case is close on there end. It is nothing they can do about why its reporting that way.
Product: Credit card

Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts.
Product: Checking or savings account

Its been two weeks since VystarXXXX  has been down. Members have been having an issue assessing their accounts online, including myself and my husband. There was waiting of over XXXX customers the other day just to access their accounts. Transfers are not going through. I have had transfers in place from our business to our household for payroll. Those are not going through. I am getting ready to switch banks but I want to make sure that my money remains safe while we are still banking with Vystar. I also cancelled payment protection with them on an auto loan three months ago and they have failed to reverse the fees and interest incurred from those months.
Product: Vehicle loan or lease

Contacted company in XX/XX/XXXX regarding loan extension, was told I had to pay for an extension, then was told I would be sent out a firm to sign to have an extension approved or declined, sent extension form back and received phone calls that extension firm was never received, this same scenario happened in XX/XX/XXXX and XX/XX/XXXX. Made a car payment in XX/XX/XXXX and Im now being told I owe the back amount for the extension that was requested. I have called the company several times and either I get transferred around to different individuals or the phone call drops.
Product: Debt collection

Navient continues to report 4 or 5 accounts as late to my credit report even though the accounts were charged off with the original creditor 1-2 years ago. Additionally, they perform unauthorized hard inquiries on my account monthly or every few months. These actions together continue to bring my score down, is overkill, unnecessary harassment that prevents me from obtaining credit or low interest rates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Second Request for Method of Verification of Account XXXX XXXX XXXX  ( Account Number : XXXX ) Dear Experian, This letter serves as my second formal request for the method of verification ( MOV ) used to verify the accuracy of the following account reported on my Experian credit profile : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Secured Card Status : Paid, Closed Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Highest Balance : {$220.00} Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( XXXX ), I am requesting that you provide me with a detailed explanation of the specific method used to verify this accounts accuracy, including : XXXX. The method ( XXXX ) used to verify the accuracy of this account with the original creditor. 
XXXX. The specific documentation or records provided by the creditor or data furnisher to verify the account. 
XXXX. A description of the steps taken by Experian to ensure the reported information was validated as accurate before continuing to report it on my credit file. 

As this is my second request, I have also filed a dispute report with the Consumer Financial Protection Bureau ( CFPB ) regarding Experians obligation to provide this information. If you fail to respond to this request within 15 days, I will have no choice but to pursue all legal remedies available under the FCRA for non-compliance. 

Please consider this a final request for compliance. I expect a response in writing within 15 days from the date of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Transunion, The aforementioned credit collection agency representing whomever XXXX XXXX XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Mortgage

ON XX/XX/2021 WE PAID OFF MORTGAGE TO FREEDOM MORTGAGE. AT THAT TIME, A DUPLICATE PAYMENT OF MY TAXES WERE PAID, ONE BY FREEDOM MORTGAGE ( WHICH I WAS PAYING THROUGH MY ESCROW ACCOUNT ) AND ONE BY ME WHEN WE REFINANCED WITH ANOTHER BANK. I CALLED MY TOWN AND THEY INFORMED ME THAT I WOULD HAVE TO CONTACT FREEDOM MORTGAGE FOR THE REFUND OF MY TAXES IN THE AMOUNT OF {$2500.00}, SINCE THEY HAD ALREADY RETURNED THE FUNDS TO THE MORTGAGE COMPANY. I HAVE MADE 10 CALLS TO FREEDOM MORTGAGE AND STILL DO NOT HAVE MY REFUND. I HAVE REACHED OUT TO SUPERVISORS ( WHO PROMISE TO CALL ME BACK AND I DON'T GET A RETURN CALL ). SOME OF THE SERVICE REPS I HAVE SPOKEN TO WERE - XXXX, XXXX ( HUNG UP ON ME ), XXXX, XXXX, XXXX, XXXX ( SUPERVISOR WHO WAS SUPPOSE TO CALL ME BACK AND NEVER DID ) AND MY LAST CALL TO XXXX ON XX/XX/2021 ( WHO PROMISED ME A SUPERVISOR WOULD GET BACK TO ME AND SHE WOULD ALSO GET BACK TO ME THAT SAME DAY - NEVER HAPPENED ). AT THIS POINT I AM BEYOND FRUSTRATED.IT HAS BEEN 65 DAYS SINCE MY MORTGAGE HAS BEEN PAID OFF AND I DON'T UNDERSTAND WHY IT IS TAKING SO LONG TO RECEIVE MY REFUND? I UNDERSTAND THAT PROCESSING TAKES TIME, BUT BY NOW I SHOULD HAVE MY REFUND. THE MOST INFURIATING PART IS THE LACK OF FOLLOW UP ON THE PART OF FREEDOM MORTGAGE.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your cooperation. 
I am writing to clarify with you the debt you are trying to collect from me you contacted me by mail on XX/XX/year> Collection account about a debt you say I owe in the amount of 1.493 Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting you validate this debt by supplying me with the following information : The name and address of the original creditor whom I owed, along with an itemized statement showing the amount I owe and A copy of the written contract from original current creditor with my signature. Agreement I signed that shows I agreed to repay this debt, and a copy of the last billing statement sent to me from the original creditor. 
Documentation that shows when you obtained this debt and the original amount you agreed to collect as well as a summary that shows when the original creditor said the debt became due and when it became delinquent, as well as the last payment on this account. 
Proof this debt is still collectible within the statute of limitations, along with when you think the statute of limitations expire for this debt. Proof your firm has a debt collection license in my state, including the date of the license, license number and other applicable details. 
Please note that I am not admitting to owning this debt and am only seeking validation of the debt as required by the law. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Mortgage was sold by Bank Of America to XXXX. I never received ANY statement from XXXX, nor any correspondence
Product: Credit reporting or other personal consumer reports

no knowledge if this hard inquiry and hard inquiries is a result of identity theft and must be removed within XXXX and XXXX hours XXXX business days 15 U.S code 1681c-2
Product: Debt or credit management

I am in a dept resolution program with JG Wentworth since XX/XX/XXXX. They settled with 4 creditors. Since the agreed settlement JG Wentworth made monthly payments to the creditors. 2 creditors have been paid in full. I have three payments left on the other two creditors and they would be paid in full. I was informed XX/XX/XXXX that XXXX  and XXXX  backed out of the agreed settlement indicating lacking funding. I can show JG Wentworth paid into the settlements each month with no missing payments. The only change that occurred was changing my payment schedule to reflect every other Friday vs the XXXX and XXXX in XX/XX/XXXX. The reason for the change was my employer changed our pay schedule from twice a month to every other Friday.