23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They have repeatedly called me trying to get me to pay even though I have explained to them on 3 occasion in the last 24 hours that I am unemployed due to the pandemic and that I am waiting on my unemployment to pay, yet they still call.
Product: Debt collection

There is a charge from Bank of America, which they took the security deposit so the card shouldve been paid because thats the whole point of security deposit And that for Bank of America and then they sold the debt off so Im not responsible for it and the XXXX XXXX is not my debt
Product: Payday loan, title loan, personal loan, or advance loan

I have requested to continue making reduced monthly payments but was rejected. 
When Loan was obtained I was getting paid from XXXX XXXX Insurance companies, In XXXX of XXXX my Income was reduced to XXXX company only and now its only XXXX XXXX XXXXXXXX -- is my source of income. 

They have reduced my payment to an affordable level and I continued to make payments without being late once. 
Last month they have stopped their help and returned to a regular payment that I can not afford. I had reached out to them before month end in XXXX and was told that they can only help me after XX/XX/XXXX, stating that account has to be over 30 days late in order for them to help me. I called today asking for help and they bluntly refused to work with me. 
Stating that even if I call the President of their company NOTHING will be done or accomplished. They obviously lied to me in XXXX when promised help after XX/XX/XXXX. 

I am on XXXX  XXXX and my INCOME WILL NEVER CHANGE ANYMORE.
Product: Credit card

I took my vehicle into repair shop ( XXXX XXXX ) for fluid leaks. paid the merchant. Leak was not repaired. Took vehicle back into merchant. Merchant claimed leak was came from another part. Paid to get repairs. After several visits, the merchant charged me almost {$5000.00} but the repairs were never completed. Merchant told me to get off his property and never come back because I was complaining that he never completed repairs. Too my vehicle into another mechanic who discovered the leak and made necessary repairs and also discovered parts used on my vehicle was not parts that should be used on my vehicle. I immediately notified my credit card company that I was defrauded and submitted a claim with a lot of documentation. Today, XX/XX/year>, I called Key Bank to ask about the status of my complaint. I was informed that an investigation was complete and denied my claim. I was upset because I was never notified and Key Bank sending documentation. Key Bank stated they will not reopen investigation. I asked manager XXXX about status of my complaint involving Key Bank employee where merchant claims Key Bank employee stated to them that Key Bank employee said that I was a " fraud '' and my complaint was " fraud '' even before their investigation was completed.
Product: Credit card

I had a XXXX XXXX credit card with USAA. I went online to pay my bill ( XXXX 2015 ) and it showed a balance of roughly {$1300.00}, so I paid it with my check card from XXXX. After I logged off, I remembered paying the bill previously and called USAA. I explained the situation that I had paid the credit card bill twice and would they refund my {$1300.00} that I had overpaid. They said that they would have to research the error on their part of not keeping their website up to date and issue me a check in XXXX days, and that that was all they could do. So I went to XXXX and cancelled the ACH payment and closed the account with USAA. USAA charged me {$36.00} for the cancellation of the ACH ( on a closed account ) that was paying the overage that was due to their not updating their website. They put a complaint on my credit report, even though I paid them their {$36.00}.
Product: Credit reporting or other personal consumer reports

I made the following opt out request of 2 companies that were reporting : I received a copy of my consumer report on XX/XX/24 and my opt out has not been fully honor and items are still showing on my report. 

Again, here is my opt out request : Per the FCRA as a federal protected consumer, I'm electing to opt out of any & all authorization of reporting any of the companies below that I the consumer may have given you, either in writing, non-written or verbal or non -verbal per 15 USC 6802 & 16 CFR 313.7. This is effective immediately and indefinitely.

I'm demand opt out reporting of the 2 following companies : XXXX. XXXX- they already paid off twice ( a ) from a Charge off report with IRS & ( b ) account was sold to 3rd party collection company.. 

XXXX. XXXX  XXXX
Product: Checking or savings account

On XX/XX/21 the XXXX  deposited a retroactive benefit payment for {$7800.00} via direct deposit into my Venmo account. I have received other XXXX payments previous to this with no issues. On XX/XX/21 Venmo froze my account without providing a reason, asked me to email a copy of my drivers license, which I did right away, and there is no way to talk to an account specialist over the phone.
Product: Student loan

I made the following two payments to my student loan servicer, AIDVANTAGE : 1 ) {$3000.00} - Payment via check delivered XXXX - check deposited on XXXX 2 ) {$380.00} - Payment via check delivered XXXX  - check deposited on XX/XX/ AIDVANTAGE Phone Number and Mailing Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have made several calls to AIDVANTAGE to ascertain the status of my payments. 
These calls were made on XXXX XXXX XXXX XXXX XXXX 
AIDVANTAGE simply states no payments have been made to my account. I have attached proof that both checks were received and deposits were made by AIDVANTAGE.
Product: Debt collection

I have filed 4 separate disputes starting on XX/XX/19 again on XX/XX/19, XX/XX/19 and XX/XX/19 with XXXX regarding this account that is from a debt collector credit systems. I have asked for written information regarding the account and have not received any thing from either XXXX nor credit systems. Action has been taken only by myself.
Product: Money transfer, virtual currency, or money service

I submitted this affidavit to address an error I encountered with Chime involving a transaction on XX/XX/year>. I intended to send {$230.00} to clear a debt, but due to a mistake when entering the recipients phone number, the funds were sent to an unknown individual. I immediately recognized the error and contacted Chime to stop the transaction, as the money was crucial for covering medical expenses related to my ongoing XXXX treatment. Chime opened a dispute and informed me that the process would take 10-15 days. I followed up daily, explaining my urgent financial and medical situation, but two days later, Chime denied my dispute, stating that no error had occurred, without providing any additional evidence. 

This situation has exacerbated my financial difficulties, as I rely on assistance programs and work part-time. The funds were essential for my medical needs, and the lack of resolution has caused significant stress. I also pointed out that Chime was recently fined {$2.00} XXXX by state regulators for failing to properly handle customer complaints, indicating a broader issue with their service. After waiting nearly a month for a resolution, Chime denied my rebuttal without offering any further explanation or evidence.
Product: Mortgage

mr cooper is not looking at what im saying logically i said i never received notice in the form of phone call or email i tried to explain this to them butthey refuse to beleive me i state i never knew i was overdue due to problems on their way of XXXXommunicatimg m overdue thing to me which i stated was not done on their part never called XXXX XXXX me date they called and talked to me which i doubt they can do and copies of email that were read by me
Product: Credit card or prepaid card

On XX/XX/XXXX I paid {$2300.00} through the Macys website to my store card account. This was the balance owed on the account. A day later I called in to customer service to verify that as a result of paying this amount I could close my account. The representative concluded that my balance was XXXX. I told the representative to close my account. At approximately XXXX XXXX  on XX/XX/XXXX I received a confirmation email that my balance was XXXX and my account was closed. Between XX/XX/XXXX to XX/XX/XXXX I started receiving about 5-6 calls daily from a number that came up on my phone as spam risk. After getting these call for a few days I answered one where the representative said they making a collection call for my Macys account, she said I owed {$41.00} of interest that accumulated since I closed my account before the end of the billing cycle. She also said I owed late charges because I hadnt paid the {$41.00} since they sent a statement. I told her was not mailed a statement as such I wasnt aware I owed anything as I closed account in XXXX. I told them they needed to cancel charges as illegal they refused and submit amount up credit bureau. I told them I would pay the {$41.00} but not the late charges. This was completed on XX/XX/XXXX and again I was told my account was XXXX and closed. On XX/XX/XXXX I received a statement that stated I owed {$2.00}. I think this is abuse as I have closed all my credit cards except 1 within the last 3 months and have never gotten a statement saying I owed them or a negative report on my credit reports
Product: Debt collection

This Co. keeps calling me on different phone numbers XXXX to XXXX times a day looking for my sister XXXX XXXX and I have asked them XXXX times to stop calling me and that she does not live here and they say the will but keep on calling over and over again they like to call from a new number and say that they have never called before but caller ID says different and there is XXXX different people that is on the phone when they call I have a phone for my own purpose not to get harassing calls for my sister and they are very rude when you try to talk to them about this
Product: Debt collection

On XXXX XXXX, I received a letter of intent to sell from a third-party debt collector known as Exeter Finance XXXX . A debt collector pursuant to 15 USC 1692a ( XXXX ) means " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ''. They stated that they would sale my vehicle because I broke a promise in our agreement. Pursuant to 15 USC 1692e, Exeter Finance XXXX  has violated my consumer rights by stating that nonpayment of this debt will result in the XXXX and sale of my property in which they have no legal right to do. Pursuant to 15 USC 1692d ( XXXX ), Exeter Finance XXXX advertised the sale of my vehicle to coerce payment from me. Pursuant to 15 USC 1692f, Exeter FinancXXXX XXXX took nonjudicial action to effect dispossession of my vehicle which they do not have any present right to possession of my vehicle which was claimed as collateral through an enforceable security interest. The vehicle was never in their possession, therefore, they have no right to gain possession of the vehicle. Pursuant to 15 USC 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of any debt. Exeter Finance XXXX has harassed and abused me by causing harm to my reputation, which can also be known as my consumer report. With Exeter Finance XXXX reporting false information on my consumer report, I have struggled to take care of my personal/familial needs. I never gave Exeter Finance XXXX prior consent to contact me through any means pursuant to 15 USC 1692c. Exeter FinancXXXX XXXX has caused me anxiety, mental anguish and has caused me to pick up another job due to the fraud that they are conducting.
Product: Student loan

I was a ward of the state of Illinois for my entire childhood through College. I lived in group homes, shelters and with foster parents until I was XXXX. I went to college and graduated. Then life happened ... I was struggling to pay my student loans from the time I graduated in XX/XX/XXXX. Especially in the years XX/XX/XXXX-XX/XX/XXXX when I filed for Chapter XXXX and got my divorce. I was not aware of income based repayments or other options. Navient ( Sallie Mae at the time ) did not alert me of other potions I had to repay my loan. If so I could have taken advantage of them and probably saved thousands in interest..and I probably would not be still paying now 22 years after I graduated. I still owe more than 6-thousand dollars after paying for more than 13 years. I don't believe this is fair. By my calculations I have paid what I owed with and additional XXXX dollars in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXi filed a dispute for a collection Wakefield Associates amount {$1100.00} medical bill original {$950.00} they continue adding intrest dont know if they can legally do that over 200 more how can that be In XX/XX/XXXX this account just showed up on my XXXX and XXXX  reports There investigation states Meets FCRA requirements right there is a violation under FCRA for not sending a collection letter of debt validation to consumer giving all info from original company and for consumer to respond within 30 days to validate debt before placing a collection to the bureaus I had been working with a credit repair company which didnt benefit me at all From XX/XX/XXXX to XX/XX/XXXX This company is showing placed for collection XX/XX/XXXX so why did they place a negative account 7 months later Nor did i receive any phone calls I sent a letter asking to validate debtXX/XX/XXXX no response within 30 days I no theres new reporting laws for medical bills with the credit bureaus This should be deleted as the company seem to fall under fcra violations for debt validation Reporting in accurate again it does not meet the requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act Acceptance now # XXXX, XXXX XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted in XXXX regarding alleged account with XXXX XXXX for XXXX ( est ) by a collection agency. This account also listed on credit report. In my disputing the validity of the account, I never authorized, account was removed. Then later in XX/XX/XXXX, another letter from XXXX XXXXXXXX XXXX sent letter and forgetting I had already addressed the matter, requested validation of signatures, etc., and no validation of signatures was sent but again in XX/XX/XXXX, after I requested again in XX/XX/XXXX, a letter with alleged amount, I will include. I told them they had failed to validate account within the 30 days, and therefore request they delete account. They continued sending mail alleged indebtedness via XXXX XXXX and XXXX, then in XXXXXXXX XXXX  I sent certified to credit bureaus and to XXXXXXXX XXXX XXXX requesting they CEASE and DESIST for the 2nd time. They then proceeded to put the account back on credit report alleging it is an open account, delinquent in XX/XX/XXXX. 
Their unfair dealings and strong arm overreaching and wire fraud according to U.S. 18 U.S.C.Sec 1343, is a crime to transmit fraudulent information via mail, wire, ....

Also, FDCPA Sec 809 ( b ), reporting without validation, etc. 
It seems the more I withstand these bully tactics, the more they demonstrate willingness to violate rights, statutes and laws. 
Please help us.
Product: Mortgage

My XX/XX/2019 mortgage was sold to Mr Cooper. 
A year later they offered a lower interest rate and lower monthky payment.Not only did my monthly paymeny go up.Now they say my eskrow is XXXX in debt.Thus raising my payment even higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship XXXX XXXX is adding late charges to original note even after the automobile has been reposed. This caused credit scored to be lowered by 3points
Product: Money transfer, virtual currency, or money service

XXXX My electrician deposited my personal check ( # XXXX ) amount of {$4000.00}. The check had a stop payment on it as requested by me as we choose to do the wire transfer instead. The money was taken out from my bank account ( XXXX XXXX XXXX XXXX ). There was a problem with the stop payment. I requested XXXX and they acted immediately to stop the payment. Wells fargo, the beneficiary 's bank reversed the transaction and my electrician ( the beneficiary ) never received the money via this personal check ( # XXXX ). I called XXXX and they said since the transaction went through successfully, so there is nothing they can do to revert. The temporarily gave me provisional credit but reverted back the credit on XXXX. So, in nutshell {$4000.00} was effectively deducted from my account. XXXX My electrician confirmed he never received money from me for that check. I went to my electrician 's office and we called Wells Fargo together and Wells Fargo customer service rep confirmed not giving the money to my electrician. As per Wells Fargo, the money was reversed and it never reached my electrician 's account. Now - Both these banks ( XXXX and Wells Fargo ) do  n't want to help me. My electrician never received the money in his Wells Fargo 's account but the money was taken out from my XXXX account. So both me and my electrician do n't have the money with us. The money just somehow disappeared. I am requesting Wells Fargo to trace the check for me and help me nail down where the money. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting a late payment in 2017 from XXXX XXXX XXXX. Ive mailed them, called on several occasions to dispute this issue. I have disputed the issue with the credit bureau as well and this will be my second complaint through this portal, in which XXXX XXXX XXXX responded and said they would resolve. Its now a year later and Im trying to purchase a home and this late payment which is incorrect is still showing on my credit report.
Product: Credit reporting

XXXX XXXX has reported a mortgage/collection account on my credit report which is the only thing stopping me from getting a VA home loan. On XX/XX/2017, I sent XXXX XXXX a letter asking them to provide a Chain of Title proving that they even own a debt that I am liable for and have the right to report it on my credit report. They responded to my request on XX/XX/2017 and were not able to furnish a Chain of Title and therefore were not able to prove they own any debt of which I am obligated to pay. Upon the receipt of their response, I immediately sent their letter in its entirely along with my own letter to the credit agencies demanding that they remove this mortgage/collection account from my credit report. I actually sent two letters, one on XX/XX/XXXX and one on XX/XX/XXXX. In that letter I stated that due to the fact that XXXX XXXX could not establish a document that stated that they owned anything of which I was liable, that this needed to be immediately deleted from my credit report and if not it was in violation under the Fair Credit Reporting Act. I received my results from the credit agencies within the 30 days, and though they deleted the activity contained in the XXXX XXXX account, the account still remains on my report as a collection and has not been deleted, which is still the only thing preventing me from obtaining my loan.
Product: Credit card or prepaid card

CB INDIGO WITH THE Company placed an unauthorized inquiry on my Ctedit report as many others Credit.Cards or car Lending have done same prestige it Means did not fallowed the rules. 
On my credit file I have a " FRAUD ALLERT " AND IT MEANS ANY ISSUES.CALL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX XXXX XXXX is reporting a 30 day late on my Transunion credit report for the month of XXXX and XX/XX/2021. I was not 30 days late XXXX or XX/XX/2021. Please correct.
Product: Consumer Loan

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX VIN XXXX from XXXX at XXXX XXXX XXXX, in XXXX Virginia. The Buyers Order and vehicle indicated that the vehicle had XXXX miles. When I tried to check its value for trade-in at XXXX, they provided a XXXX that listed a mileage discrepancy and placed the actual mileage at over XXXX thousands miles. The dealership advertises as a XXXX XXXX member. I was provided an AutoCheck history that did not reveal the mileage problem. Based on the XXXX the vehicle has a - {$280.00} ( NEGATIVE ) value. The vehicle was financed with NFCU FOR {$12000.00}. I think that the dealership knowingly misrepresented the mileage in the transaction as they had access to the XXXX documents. They submitted the false information to NFCU for a loan.
Product: Mortgage

In XX/XX/XXXX, my mortgage was sold to Freedom Mortgage. I received a Welcome letter from Freedom Mortgage providing me with information so I could create an online account, however, I have only received errors when creating the account. The error message instructs me to call XXXX which I did. My first call to them on XX/XX/XXXX resulted in the Rep submitting a " ticket '' to their escalation team with a promise for a return call which I never received. I made a payment over the phone on XX/XX/XXXX so I would not be delinquent. 

By XX/XX/XXXX, I had not received a call back so I called them again. After holding for the " escalation team '' I was told again that a " ticket '' would be needed because the first Rep didn't create one, and that I would receive a call back which didn't come. On XX/XX/XXXX, I called in again and asked to speak with the escalation team. The Rep apologized that I did not receive a call back, but said she would need to submit a " ticket '' so someone could assist. I asked to speak with a manager and was told that was not possible and that I had to wait for a call back. 

I advised the Rep that I would not make any more payments over the phone without receipt of a mortgage statement and that I would be filing a complaint with the Consumer Financial Protection Bureau.