23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Mortgage

PennyMac Loan Services is saying they are unable to provide home mortgage assistance due to a temporary financial hardship. We have been going back and forth with the company for XXXX months providing all the documentation we can and they now say that due to a job loss ( that was present at the time of initial application ) they are unable to provide any mitigation ( no loan modification, no temporary forbearance ). It is my understanding that those types of plans are meant to assist homeowners in keeping their home during a financial hardship. PennyMac Loan Services does not seem to provide these types of services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit.
Product: Debt collection

Dear Team, I hope this message finds you well. I am urgently reaching out regarding a distressing situation involving an online coaching program offered by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), specifically their course titled XXXX - Author, Speaker, and Coach, which I enrolled in since XXXX of last year. Here are the details : Upon enrollment, I was given only XXXX days to cancel, with no other options to withdraw, despite facing personal challenges and later realizing the program did not meet my expectations. The program claimed to be rooted in XXXX values, which has proven to be misleading based on my experience. 

Efforts to contact XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) via phone, email, and text have been met with consistent delays or no response, intensifying my frustration. Furthermore, they facilitated a loan through XXXX XXXX XXXX, but any support ceased once the loan was processed, leaving me and others feeling exploited. 

The initial cost of the course was {$29000.00}, a substantial financial commitment. During attempts to exit the loan, XXXX XXXX XXXX, the financing provider billed by third-party XXXX XXXX XXXX XXXX XXXX, pressured me with threats of collection actions, resulting in additional payments to mitigate their demands. 

The sales process included undue pressure, unrealistic promises, and restrictive measures, such as prohibiting picture-taking, which targeted vulnerable consumers, particularly within the XXXX community. Recently, a collections agency claimed I owe approximately {$30000.00} for this course, compounding financial and emotional strain. 

Moreover, on Friday, XX/XX/year>, I received a call from this collections agency, XXXX XXXX XXXX stating they had received information about this debt 30 days ago. They threatened immediate reporting to credit bureaus if I did not comply with their demands, which caused significant distress. Despite my request to dispute the debt, I was denied the opportunity to verify or challenge its validity during this conversation. 

I urgently seek guidance on disputing this debt, seeking restitution, and holding XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accountable for their deceptive practices. Assistance in navigating this matter and protecting my family from further harm is crucial. Additionally, ongoing XXXX challenges requiring additional finances have further burdened my family. 

Please let me know if more details are needed to promptly review this case. Thank you for your prompt attention to this urgent matter. 

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

I made a purchase for {$990.00} on XX/XX/2019. Klarna loaned the money for the purchased at 0 % interest and $ XXXX monthly payments. I was offered automatic debits to avoid missing the monthly payments. I set up auto payments. In XXXX of 2019, I went on the mobile app and scheduled an early payment in advance of the reoccurring auto debit. The $ 55 monthly payment was withdrawn from my checking account but Klarna also attempted the autodebit after this payment. Since I had already paid the monthly payment, the second payment was returned by my bank because there wasn't enough funds in my checking account to cover an additional payment. Klarna charged a returned payment fee of {$25.00} to my loan account. I reported this to them via the mobile app text. The customer service agent said it didn't matter if I made the payment early, the auto debit would still withdraw. I went back and read through their disclosures and at the time there was no information that had stated clearly how early payments would impact reoccurring auto debits. Like most companies, when a monthly payment obligation is made, there is no reason to proceed with an autodebit. So I had no reason to think Klarna was any different. They added this disputed return fee to the next autodebit and withdrew {$80.00} from my account the following month. I stopped the autodebit service and at the end of the loan, I left a balance of the fee. I contacted Klarna again and explained why I was leaving the unpaid balance and that I did not agree with their policy. I paid back the entire {$990.00} loan, with the exception of the fee. In the months since, they had added approximately {$150.00} additional late fees to that fee I refused to pay and continue to send me emails.
Product: Student loan

I attended school and loans were taken out to obtain my B.S. degree. However my loan balance original was XXXX. My loan balance increased by XXXX. Several calls and inquires were completed via phone call to reach out to loan service agents such as XXXX, XXXX, and now Aidvantage. I have also submitted certified documentation to each agency. Prior to this amount of XXXX being added to my account I spoke with a representative requesting that foreberances be witheld from being added to my account to determine the balance for which I owed to determine if I was approved for an Income driven Repayment plan. I found out in the year of 2021 I was approved for a Income driven Repayment plan. I was also told a Consolidation was completed by XXXX, and as my acount travel to the different agencies, each agency redirected a consolidation application being completed by a previous agency. I XXXX XXXX did not authorize a Consolidation application, nor completed any loan counseling for a Consolidation Application. 
Please see all of the needed dates and research completed provided within the attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/21 I tried to withdrawal money from my edd account and the atm said daily limit reached so. Checked online and showed two fraudulent atm withdrawals one that morning XX/XX/21 and one the night before XX/XX/21 each one was for XXXX $ ( The daily withdrawal limit ) so I immediately called and filed a claim with Bank of America and they told me the transactions were made in XXXX XXXX and another city in XXXX XXXX. I have never been to either of those places I had been in montebello for the last 2 weeks. They said the withdrawal were made at BANK OF AMERICA ATMS too it should be easy then just look at the cameras!!!! There is absolutely no excuse for them giving me a card with no security chip in the first place if they would have provided secure cards most of this would have been avoided! and what a nightmare this has been I have filed the claim 3 times now and they have denied each one without any explanation or even letting me explain more. I thought there was a ZERO LIABILITY policy? Just not for me? I feel abused like a 2nd class citizen I really dont know what to do I am going to be homeless because I cant pay my rent please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax Account number : XXXX Date Opened : XX/XX/XXXX CarMax has been reporting misleading, inaccurate, inconsistent and unverifiable information on my XXXX XXXX XXXX XXXX and XXXX XXXX reports. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners credit report as well.

Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. CarMax continues to spitefully report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. 

There are several pieces of information that CarMax is reporting is different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. CarMax as well as the credit bureaus seem incapable of or unwilling to resolve our disputes. 

They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This is a violation of Federal laws. CarMax is using abusive, deceptive and unfair debt collection practices. 

I have contacted CarMax and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} remaining principle balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. 

We feel that CarMax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause XXXX XXXX, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. 

Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, XXXX and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.
Product: Payday loan, title loan, or personal loan

I took out a loan in XXXX of 2021. I made my payments on time every month. There is a 14 grace period. My loan payment was always made within this grace period. The payment is due on the XXXX and they start calling on the XXXX. Even though the grace period is 2 weeks out. I have always answered and told them when I would make the payment. In XXXX I had some car issues and Since then I have had to make the payment towards the end of the grace period. I explained this last month. I scheduled a payment through the office. The next day they called again because they forgot or did not note the account. I asked if it would be possible to move my due date and he said it would not be a problem. He would checked it. He stated he could change it and said he would mail me a confirmation. Never received the confirmation. My mail has been messed up for months so I just assumed I didnt get it. Here comes the XXXX of XXXX and I have received 25 calls. I didnt answer because again this is a failure on the part of the business. I am not sure if they just lie, and say whatever? If they just dont do the job, or what the issue is. Today at work I received a threating message about sending me to court. Mind you I am not even 30 days late. I took a second job and awaiting my pay to make the payment on Monday. I called back and as always it went to voicemail. I left a message stating I would make the payment on Monday.
Product: Checking or savings account

During XXXX, I had over 30 charges for {$13000.00} taken from my account. These were not authorized. I believe someone may have hacked my account and charged my bank until I hit {$0.00}. Wells Fargo denied the claim. They also inaccurately put under my claim reason " He doesn't remember the charge. '' Wells Fargo tried to make it seem like I forgot about making the charges. I obviously do not remember the charge because I did not do the charges and the reason I stated on the phone was they were fraudulent charges. They have now denied my claim. Wells Fargo should have contacted me when the charges started happening repeatedly. They also allowed the pending charges to go through as well after I called them to report the fraud.
Product: Credit reporting or other personal consumer reports

I have requested an investigation several time from Transunion XXXX XXXX  requesting that they fix an error on my credit report that is reporting adversely for XXXX XXXX. Also, it's been reporting adversely for over XXXX years now. I have provided Transunion with documentation regarding the XXXX account, however they refuse to respond to my dispute inspite of several attempts.
Product: Debt collection

I have had a bill for XXXX $ in collection as a result of a phone plan I had gotten with XXXX. After approximately 2 months of service, I recieved my first bill and the amount that was owed was not in the amount the sales person quoted me on. I disputed the amount with the store at I got the quote and they assured me that they had said the right amount. I showed them the writing that had the specific amount my bill was said to be by the sales agent which was different by 40 or 50 dollars. After showing XXXX that and them not wanting fullfill their end of the deal I chose to terminate my service before the 3 months was up that I was told to be allowed to cancel my contract. Which is what I did. Then I took my business to XXXX whom at the time had a deal to pay off any early termination fees with the current cell plan to switch over to XXXX. I chose to do that, and XXXX was to mail me a card to pay off my XXXX bill. Now that I have spent 1 yr trying to get XXXX to send me the prepaid card to do that, I have yet to have XXXX mail the card to me because of the final bill from XXXX not having enough information for XXXX, as well as the picture I was supposed to take of the XXXX bill being the right file type for the pictures to be submitted online as I was told to do by XXXX ( not to mention the 2 or 3 times going into XXXX with the bill itself only to be told they could do nothing except what I have done from home ). Now I have been stuck with a XXXX $ collection bill as I stated from XXXX, that XXXX is actually liable to pay. My credit now being hurt and my time wasted as well as 2 phones I owned having to be given to each company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent all requested documents to Honda Financial and XXXX stating that I was a victim of identity theft also I opened a dispute with both Honda Financial and XXXX. This account has been deleted from both XXXX  and XXXX but it's still reporting in XXXX. In addition during the time of identity theft I was hospitalized as well as home bound due to my XXXX  diagnosis.

I've also completed and faxed the ID Theft Affidavit to Honda Financial Services on XX/XX/XXXX. I have not received a response or updates on the status of my case.
Product: Debt collection

XXXX XXXX XXXX has a medical account on my credit report that does not belong to me I have disputed with XXXX and equifax. The debt was from texas when I resided in Florida at the time this bill was allegedly made. XXXX   has deleted the incorrect information however, Equifax insists this is my debt. I have no knowledge of this medical provider and did not reside in Texas at that time. 
There is another bill on my credit report that also does not belong to me. Again I disputed with both XXXX and Equifax as I have no knowledge of the medical provider and did not reside in Texas at that time. XXXX has deleted the incorrect information but yet again Equifax insists this is my debt. The collection agency for the second account is XXXX XXXX also located in Texas. I do not understand how one credit reporting agency determined this is not my debt and deleted and Equifax has not. I do not feel that Equifax is doing their job and the consumer is being punished for it.
Product: Mortgage

My mother and spouse, lived in AZ when medical difficulties arose, and they set up a reverse mortgage from Champion Mortgage to help pay their bills. 
Within 2 years of the death of her spouse, Mom was found to have XXXX XXXX, and her Power of Attorney paperwork enabled me to liquidate her assets, pay off the reverse mortgage and all outstanding debt. About that same time ( only 2 years ago ) Champion Mortgage was sold to Nationstar Mortgage, AKA MR.COOPER. 

Mom 's current Medicaid application for her ongoing care requires a copy of her loan disbursement transactions, which I am requesting via this complaint. 

I am uploading her POA paperwork AND HER SPOUSE 'S DEATH CERTIFICATE as proof of MY POWER OF ATTORNEY status for her affairs. Please send a copy of the full loan disbursement of my mother 's account from CHAMPION MORTGAGE to me so I can submit it on her behalf to MEDICAID.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered an unauthorized recurring transaction on my XXXX XXXX Bank Account for {$24.00} paid to Experian on XX/XX/XXXX. I phoned my bank to notify them of the unauthorized transaction and learned that Experian had also made unauthorized transactions for {$24.00} on XX/XX/XXXX and XX/XX/XXXX. My bank has reviewed these transactions and are in the process of removing them. I have asked them to block Experian from making any further transactions on my account. 

I phoned Experian to request they reverse the charges and change my account to the " free subscription. '' As I was explaining my situation, the customer service representative hung up on me. When I phoned back, the automated attendant initially said it would ltake XXXX minutes to answer my call and then clicked and said that I needed to resolve my issue on the company website. It appears they flagged my account so I can not phone them to fix my account problem. 

I believe Experian has deceptive business practices or is trying to cover up fraudulent transactions on my bank debit card.
Product: Debt collection

I was a victim of identity theft related to my employer, XXXX, experiencing a cyber attack in XXXX 2015 and my personnel information was stolen. As a result, in XXXX 2015 persons unknown used my credit information to obtain a Bloomingdales credit card and subsequently charged {$9000.00}. Despite my sending Bloomingdales a police report, a copy of my complaint filed with the Federal Trade Commission, and a letter from the Office of Personnel Management of the Federal Government acknowledging my personnel file was XXXX that was hacked, and enrollment XXXX who is currently attempting to resolve this matter, they have sent me bills, collection letters and recently a brand new credit card stating " per your request. '' This has been going on since XXXX 2015 and is extremely stressful to me. In addition, they have reported to the credit bureaus I am 90 days delinquent and my credit rating gone down.
Product: Checking or savings account

I went on XXXX to find out who sells XXXX XXXX and this website XXXX had this gym for {$48.00}. I went to purchase it with my debit card because the site said it was safe.However after I purchased this item on Sunday XX/XX/year> the id number for my purchase was XXXX and the website they gave for contact was different from the website at purchase. The website they gave was XXXX and when I tried to contact this website you can not because it does not exist and XXXX alerts you that this website is a scam and can not be reached. I contacted my bank Key Bank zip code XXXX and spoke to XXXX one of their scam and fraud department this morning at XXXX and put in the information about this scam on XX/XX/year> at XXXX to alert them about scam and to be refunded. The purchase amount is {$47.00} and is pending on my account. I alerted key bank while this fraudulent purchase was pending and I locked my debit card and I deactivated the debit card immediately. I would like you to contact Key banks fraud department at phone number XXXX ( XXXX ) XXXX and to investigate how they're handling this scam.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX