23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX -XX/XX/XXXX I have been harassed by this debt agency separate and same under two names : in XX/XX/XXXX in had a medical procedure. My insurance paid per plan agreement providers. Four unknown medical professionals also were paid ( unknown because they all were employees of medical facility not my care professionals before or after that date ). Subsequently we went to court XX/XX/XXXX: judge ruled to reset and determine a new dollar amount he did not accept theirs. For months I called they refused to talk with me : in XX/XX/XXXX the went to court and presented same documents I had disputed and got judgement : I received copy of order in mail and called and was told I was served and came to court and lost! A lie I did n't receive a notice nor was I in court. Somebody was apparently but not me : the notice of service was not made it was a lie : note the original notice of service was fraud ( says served on adult male in  twenties nobody like that or age was in/at my home ). Since this agency had returned to court three times doubling judgment fees and a lien on my home : I asked for legal advise and was told this is elder abuse at least. This agency has already been compensated by the original medical facility.
Product: Student loan

On XX/XX/XXXX, a check was mailed for {$55000.00} ( the full account balance ) from XXXX XXXX XXXX XXXX XXXX, IL. This check was cashed on XX/XX/XXXX, however was not credited to the account until XX/XX/XXXX. Due to the delay in processing the payment on Navient 's end, there was a {$260.00} late payment/additional interest on the account. This late payment should not have been added to the account as the check was received on time, but the delay was on Navient 's end while processing the check.
Product: Debt collection

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Product: Vehicle loan or lease

My wife and I got an auto loan on a brand new   XXXX   XXXX   XXXX  t through Chrysler Capital in XX/XX/XXXX . The amount financed was {$25000.00}. We have been paying for the loan every month since  XX/XX/XXXX  when the first payment was due. The monthly payment is {$550.00} and is due on the  XXXX  of each month.
As of  XX/XX/XXXX  the loan was current however the payoff amount was quoted as {$24000.00}! Of the payments we have made at least 9 of them ( that we know of ) went to interest only! I have been paying on this loan for over 2 years at $  XXXX /month and we only owe {$1000.00} less than when we started.
So on  XX/XX/XXXX  I contacted them to make a large lump sum payment of {$6000.00} to bring down the principal and bring the vehicle closer to its value to attempt to trade it in or refinance the loan. They would not allow me to make a payment online or over the phone by any payment method, for more than {$2000.00}. So I had to pay {$23.00} to have a personal check overnighted to them. They received it and posted it on XX/XX/XXXX  ( before the due date ). I then logged in only to see that of the {$6000.00} on-time payment they applied {$4800.00} to principal, {$1000.00} to interest, and charged me a {$130.00} fee! I immediately called and told them to apply my entire {$6000.00} payment to principal so I could pay this loan down. They said it would take a few days, and they finally posted it to my account on  XX/XX/XXXX .
Today I logged in, and despite paying them {$6000.00}, they are considering my loan past due. As of  XX/XX/XXXX  the payoff amount is {$18000.00}.
I feel we being completely taken advantage of. This was our first loan following a bankruptcy and we are attempting to rebuild out lives. At this point the vehicle is only worth {$8000.00} ( NADA average trade in value ).
At this point I have already been approved by another lender to refinance the loan, however they are not willing to send a payoff of more than {$16000.00} because of the vehicle 's value.
It is not fair that we are being taken advantage of because of a previous bankruptcy.
Product: Debt collection

Gold Star Finance continues to call me several times a day every day and also comes to my home unannounced whenever they want.
Product: Credit reporting or other personal consumer reports

XXXX accounts I don't recognize XXXX. ) XXXX XXXX XX/XX/year>, XXXX. ) XXXX 's XXXX 
Also XXXX XXXX XXXX a soft pull is ran for their product but still pulled a hard pull on my credit file which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXXpayment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNC/SYNCB Ran a credit report without my permission, nor without me even reaching out to them in the first place. They purchased my information then ran my credit in order to advertise to me. I don't need a loan in the first place, so I never even clicked on their site. Even if I did click on their site they hacked me to get my info. This is wrong..
Product: Vehicle loan or lease

I purchased a car in XXXX. I was told one amount that it would be " out the door '' and when Santander finished with us, we were actually paying for the car twice. We paid on the contract for 4 years.It was financed for 72 months. My husband had to file bankruptcy and I called and was told I could voluntarily surrender the vehicle due to us not being able to pay almost XXXX dollars a month. The company came to our home and got it. They sold it and sent a couple of settlement letters. They said they only sold it for XXXX ( a very nice top of the line XXXX. They said we still owed about XXXX on the car even after paying on it for 4 years. Eventually Santander charged the loan off. XXXX XXXX came along in XXXX demanding that we pay the XXXX. I got a local lawyer. She told us not to worry about it. Well, last month, XXXX XXXX, I got a call on a Friday to be in court on the following Monday. XXXX and XXXX XXXX was there to represent XXXX XXXX. My lawyer from XXXX was ALSO there. She was no help at all. She actually sold us out to XXXX and XXXX. She wouldn't even let us talk with the judge. I had paperwork and articles to show the judge, but she wouldn't allow our voices to be heard. Instead, She negotiated with the representative and told us to sign the paper or the representative from XXXX and XXXX would garnish our wages. We signed a paper saying we would pay back XXXX a month starting on XXXX He documented on the letter that they would accept a little over XXXX for the XXXX they were asking for. WE told them why are they making us pay so much when we had received a settlement letter from Santander years ago for XXXX on one occasion and then they went down to XXXX. Once they heard that the lawyer asked me " Are you able to pay the XXXX today. We told her we weren't prepared for that. They asked why didn't we take the settlement years ago and we told her that When it came, we did not have the extra money. We are currently swarmped with bills and to have one more bill is awful. WE have proof that Santander was in a lawsuit in XXXX and paid money back to consumers in GA who were victims of Predatory car lending. The ironic thing is that now it's years later, and the car we have now is financed with Santander and we got GREAT interest rates! We are not asking for money from them, we just want this dismissed and to prove that we did in fact pay a substantial amount of money to Santander but now a 3rd party who has AWFUL ratings and reviews are trying to retrieve money from us that we don't have. Please help us
Product: Debt collection

I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditors. Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I opened an account on a cryptocurrency exchange called Binance.us There was a bank error timing problem that caused a {$3500.00} bank charge back I had 10x that in my account. The next day XX/XX/2021 I immediately sent a wire for that amount which they acknowledged received. they had locked my account because of the charge back and i have sent over 10 support requests to unlock my account all are ignored. I can not trade or withdraw my funds leaving me anxious about losing a lot of money. I owe them no money.it has been weeks and no response from them Thank you
Product: Checking or savings account

Dispute reference XXXX filed in a timely manner with the banking institution, on XX/XX/2018 a PNC Debit Card Transaction Form was completed and faxed, along with a detailed page listing a documentation/illustration of what should have been received. A scanned copy of the documents provided to PNC have been attached.
Product: Mortgage

The complaint I have with the Mortgage company is Ocwen. You see I applied for a Loan Modification. I was approved, it couldn't come at a worst time. I told them I needed a month to start paying back the loan. A month earlier I was in the hospital for a month you see I had a XXXX and couldn't go back to work for a month. I told them this several times, they told no problem. You can re-apply everything will work out.So I re-apply and I got DENIED. They turned me down flat and didn't even look at my current check stubs.I don't know what else to do I did what they said.I have paperwork to prove it.
Product: Money transfer, virtual currency, or money service

On  XX/XX/XXXX , I received a statement from   XXXX   XXXX   XXXX   ( Contract # :  XXXX  ) stating they transferred {$87000.00} to a Chase Account in my name. This transfer was never authorized by me.
I went to a Chase branch in  XXXX , NY, on  XX/XX/XXXX . There I reported this fraud to   XXXX   XXXX  , a chase representative. He told me a Chase account ending in   XXXX    was opened at a different branch by someone claiming to be me. He did so without a social security number and some falsified identification.
Once the money was transferred into the bogus Chase account, it was then wired to a   XXXX   XXXX   account ( which I do not have ).
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I have also reported the theft to the   XXXX   County police department ( case # : XXXX  ). I spoke with Detective  XXXX , who told me he must have had the wrong number so he could n't contact me.
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I have contacted   XXXX   XXXX   since then, who told me to contact the Fraud department, which I did on  XX/XX/XXXX . I was told it was in their investigative department. They also asked me to fill out more forms, which I did.
I still have no answer from them on this. Considering I have several Chase Accounts, there was no cross checking done when this bogus account was opened.I was told also the person who opened this account was much younger than someone like myself who was born in  XXXX . I do n't feel that Chase did their due diligence, and I am due a refund of all moneys immediately.
Product: Debt collection

On XX/XX/XXXX I received a attempt to collect a debt from a party that I am not aware of. I DO not have an agreement with this following company ( LVNV Funding ) and do not know who they are BUT yet they continue to harass me by using different law firms and collection agencies ' to threaten me. when one does not work they move on to other agencies to continue to hide behind and threaten me. 

First it was XXXX XXXX XXXX, then it was Resurgent collection agencies and when that did not work they moved on to XXXX, XXXXXXXX XXXX XXXX and now XXXX XXXX XXXX 

from XXXX to currently XXXX all they do is hide behind many different agencies trying to harass me and violate my rights. 

1. I have disputed this alleged debt from LVN Funding through all my credit agencies and LVNV never responded, thus the agencies have removed the unknown debt from my credit reports. They are in violation of the FCRA act ( he Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). ) 2. since the letter of the disputed debt of this unknown company LVNV funding it refers to the original creditor ( XXXX XXXX ) again I do not have an account with XXXX and am not aware of any debt. I found a XXXX credit card agreement by doing my own due diligence and there seems to be a arbitration clause that reads ( Covered claims You or we may arbitrate any claim, dispute or controversy between you and us arising out of or related to your Account, a previous related Account or our relationship ( called Claims ). 
If arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim in court or have a jury trial on that Claim. ) THIS IS MY 5TH REQUEST that we had towards arbitration to resolve this matters and finally be done with it.

3. I want the company to validate any debt I owe them by providing me the following : 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 on alleged debt- 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 Furthermore I fully dispute this debt and I am not owing any debt to any XXXX  and or XXXX XXXX XXXX, or LVNV funding. 


XXXX XXXX
Product: Vehicle loan or lease

I applied for an auto loan at OneMain Financial on XX/XX/2019. 
I was called that the loan has been approved after reviewing all the documents sent to them. 
I live in XXXX and the Car that I found was in XXXX PA where the OneMain Financial is also located The bank called me that the Loan has been approved and I should come sign the documents and pick the car immediately. 
I told them I will come the next day. 
I took off at work and called the car dealer car dealer to let them know we will be coming the next morning The next Morning I started the 4hrs30 mind journey, The bank called me to ask if I am on my way already, i told them yes i am on my way with my wife and kids ( XXXX old and XXXX old ), And she said we are waiting, she said to come with my insurance card and I told her I will do. 
Few minutes later, after driving for 2hrs45mins, the car dealer called that he doesn't understand what the bank is saying that I have to call the bank, He said the loan is not Approved. 
I immediately called the bank and they told me they are sorry that the loan is not approved because of some documents I was in total shock, Not because the loan was not approved, But because they asked me to come, and I took off for the day and have my family in the car, on the road for hours. 
I was told sorry and I had to drive another 2hrs45mins back home My kid took ill and my car broke down on my way back. 
It was just a terrible day for my Family.
Product: Debt collection

I received a debt collection letter for an account i have no knowledge of, I have been diagnosed as completely XXXX and unemployable from XX/XX/2011 and didnt open any loans nor have I worked in 11 years to receive any income besides XXXX. I reached out to the company by email, and certified mail to verify this debt and to cease collections until they verify the debt and for them to send me information regarding this debt, unfortunately this company never sent me any correspondence concerning this debt and immediately filed a illegal lawsuit against the fcra laws for a debt I have no knowledge of. The email, phone and address on this debt civil suit is not associated with me I never stayed our own the email our phone number.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 I paid my loan off in full. The information I received in regards to the payoff amount was varied so I paid over. I paid the loan off in form of a cashiers check. I am sue a refund of XXXX . NetCredit says they will not issue a refund until after 30 days this is appalling given I have paid the company over XXXX in interest and I had the loan for 14 months. If my refund is going to be held I want daily interest applied towards my refund amount as they charged me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my fico score today XX/X/2017, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Credit Report shows inquiries made by XXXX XXXX XXXX, XXXX XXXX, XXXX DE XXXX on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I did not authorize any of these inquiries. I have never had any account or relationship with XXXX. 
I inquired with XXXX at XXXX XXXX XXXX XXXX and was told no records of these inquiries exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW FINANCIAL SERVICES account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.
Product: Mortgage

Loan was paid off on XX/XX/XXXX. Wells Fargo advised that escrow balance plus refund from overpayment of mortgage balance would be received by XX/XX/XXXX. So far nothing has been received from the company. 

Online account says that a check has been issued for {$3800.00} as of XX/XX/XXXX but that amount only includes funds from the escrow account. It does not include the amount overpaid in principle in interested ( estimated around {$1500.00} ). I was told that I would receive one check with both amounts. 

Additionally Wells Fargo continues to pay PMI on this loan after a payoff was received so my escrow balance has been reduced since loan closing.
Product: Credit reporting or other personal consumer reports

I filed over a dozen disputes over the past 5 years and none were answered and still remain on my credit report.
Product: Debt collection

We are a business. Coast Professional Inc requested a verification of employment for an individual. We informed them that all VOE require a hand written or electronic signiture from the individual they are requesting information about. They faxed a VOE without any signature. We informed them it was incomplete. Over the course of 2 days we continued to receive multiple calls ( at least 6 ) where the same female harassed us requesting information because " I'm in NY and can't get a signature from the individual '' and " He won't return my call, can you just put him on the phone so I can talk to him? '' and " Can you just get the signature for me? '' as well as several other obvious tactics to maneuver around our policy. The calls have continued even though we have told her we can not assist her without a signature. This is harassment and needs to stop.
Product: Credit reporting or other personal consumer reports

I have informed " XXXX / XXXX XXXX '' on several occasions and complained that they have been reporting an old closed account status incorrectly on my credit report for over 2 years, and they are still refusing to remove the inaccurate account data information from my credit reports. 

The incorrect account data information is showing on XXXX, XXXX, and Experian credit reports : 1. ) Last Activity - ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) XXXX. ) Remarks - ( only one report states, Closed. ) 3. ) Month 's Reviewed - ( 0, 0, and also 7 ) 4. ) Terms Count - ( 0, 0, and also {$13.00} ) 5. ) Term Source Type ( states either nothing or Provided. ) 6. ) High Credit ( either {$0.00} or {$620.00} ) 7. ) Current Payment Status ( Late 60, Late 90, or As Agreed ) 8. ) Payment history ( Youve made 20 % of payments for this account on time, Youve made 92 % of payments for this account on time, or Youve made 43 % of payments for this account on time. ) On the telephone, the company agreed to remove this inaccurate account once I paid their {$620.00} balance owed in full in XX/XX/XXXX, but they violated this verbal agreement and ignored my request ( s ). Under the Fair Credit Reporting Act - ( FCRA ) of 15 U.S. Code 1681i - Procedure, in case of disputed accuracy, the credit bureau must follow this law and procedure, and if inaccurate information is found, it must be removed or deleted. If this is not done, then they can face potential personal lawsuit ( s ) and federal fine ( s ). Please help me rectify/resolve this account 's inaccuracies. 

The company 's unwillingness to remove this inaccurate account, which they are continuing to report inaccurately to the credit bureau and willfully ignoring the law related to the unverifiable, incomplete, and inaccurate information of this account, must be dealt with immediately, and the inaccurate account must be removed or deleted.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$240.00}, XXXXXXXX XXXX {$100.00}, XXXX XXXX XXXX {$5300.00}, RADIUS GLOBAL SOLUTIONS XXXX$350.00}, XXXX XXXXXXXX XXXX {$1800.00} XXXX INFORMED CREDIT BUREAUS OF IDENTITY THEFT VIA PHONE AND REQUESTED THE CONTRACTUAL OBLIGATION TO THESE ACCOUNTS TO VERIFY MY SIGNATURE. I ALSO DISPUTED THESE ACCOUNTS WITH XXXX AND XXXX MULTIPLE TIMES AFTER MULTIPLE DENIALS.