23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern : This letter is being sent to you in response to the above reference account that LINEBARGER GOGGAN BLAIR & SAMPSON , LLP, has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED. 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED. 
Identify the original creditor- HAS NOT BEEN PROVIDED Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 
At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against LINEBARGER GOGGAN BLAIR & SAMPSON , LLP, for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Debt collection

Received letter from Wakefield and associates stating they were debt collectors and I owe a debt to XXXX XXXX XXXX XXXX which I have never heard of. I would like to know if this is a scam. The letter stated the debt is from 2021 in the amount of {$850.00}. Did not know if I should respond to the company or not.
Product: Payday loan, title loan, personal loan, or advance loan

In 2021 my vehicle which was older, stopped working, unable to fix it. I received loan and title for vehicle was collateral. 
One Main first told me I had to get a type of insurance added to loan to receive it. I was approved for loan of XXXX. After this insurance was added it went up to a {$10000.00} amt. I paid my payments each month until my vehicle messed up. My parents gave me their old vehicle so I went in to office to switch the title to still complete loan. They would not change vehicles on loan and would not give me my title back to original vehicle. They stated because it had someone else on title along with myself that they couldn't. I even had the 2nd person on title sign statement stating he authorized the car title to be added to.loan to continue with loan. OneMain would NOT let it happen and therefore, I'm now stuck with broken vehicle with no title and unable to sell it for parts or anything else. I have witnesses who can vouch for vehicle current state. Covid hit and I became unemployed and wasn't able to make payments for a loan which vehicle that was inoperable. One main would not help me, work with me on payment assistance, nothing. They sent my loan to collections for nonpayment now and continue to avoid helping me or taking my calls. I'm stuck with a debt t hat I tried to resolve and get help with. I even tried asking to gave them take this insurance of some sort off to lower amount while I was struggling to make ends meet. I am a divorced single parent now of XXXX and I'm drowning.
Product: Mortgage

In XXXX  I was struggling to make my Wells Fargo Mortgage payments. I made extra payments each month to catch up. However, I didn't notice that Wells was putting the extra funds in my unapplied funds section. XXXX day I received a refund check for those funds, which was equivalent to XXXX mortgage payments. I went to my local branch the same day I receive the check to make the XXXX payments. The teller informed she could not accept the check because my home was in foreclosure. The only way she could accept the payment was if I could pay the full $ XXXX in foreclosure fees at that time. 

I had to file XXXX XXXX to stop the foreclosure, and payback the $ XXXX in foreclosure fees. At the time, I contacted a company that would help me pay my mortgage payments. I did not qualify for the program because I didn't meet their requirement, but I completed the interview process accordingly. The strangest thing is that company paid my mortgage for XXXX  months before they contacted me to sign a payment assistant agreement. Since I didn't meet the program qualification, I let it go and then filed XXXX XXXX. 

XXXX. Why didn't Wells Fargo notify me that I was going in foreclosure? I found out when I ran to the bank with my refund check. 
XXXX. Why did Wells accept mortgage payments from an outside party, but I could not make a payment without paying the $ XXXX first. 
XXXX. Why didn't Wells simply take the unapplied funds and apply the XXXX payment to my mortgage, instead of sending a refund check. 

No one ever contacted me from Wells Fargo to inform me that I was going into default! I learned when I went to the bank with the unapplied funds refund.
Product: Credit card or prepaid card

I spoke with the supervisor named XXXX at Goldman Sachs Bank ( GS ). My XXXX statement balance was paid in full ( excluding interest free installment balances ). XXXX trans totaled {$5000.00} and install pmts were XXXX. That totals {$5100.00}. The statement balance was for XXXX. This is an extra {$270.00}. 

Prev Mo ball XXXX Payments total for period XXXX New Trans total XXXX Installment payments XXXX My calculate balance due from above XXXX Statement Balance XXXX Difference XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Zip : XXXX XXXX XXXXXXXX Date : XXXX Creditor Name : Spring Oaks Capital Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Inaccurate Credit Reporting ( 15 USC 16812 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
The following account ( Spring Oaks Capital llc, account number XXXX is reporting a balance of ( {$20.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. 
This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 
Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 
Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 
Please forward any correspondence or changes to my credit report to the address listed above. 

Regards XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I thought I was paying off my loan with Speedy Cash. I called to see why it was showing a balance. And thats when I found out i had been scammed. Total list is XXXX.
Product: Debt collection

Hello, My debt was acquired in XXXX originally through XXXX XXXX it has been 6 years since the debt was obtained and the debt then sold to XXXX XXXX XXXX and they refused to acknowledge my legal obligation to this collection is no longer applicable.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

When I checked my credit score I was taken back by how low it is, a further looked showed me that I have been sent to collection for a hospital bill from the XXXX XXXX XXXX Hospital. I have NEVER been seen by a doctor there! Nor did I ever receive a bill from the XXXX hospital or the collections agency! The Bill is for {$290.00} I haven't been able to receive any information about what it is for and why its at collections. It terribly hurting my credit score, and I don't think its right to have to pay a hospital bill you when have never been seen by a doctor there. I was never sent any bills or " last warnings '' I was only made aware of said debt when I checked my credit score on XXXX XXXX.
Product: Debt collection

XX/XX/2023 a contact letter referencing a non existent debt which attempted to to collect on a false statement and claim. This is an illegal practice. This action and ACCUSTION IS IN FACT A DISPUTE!!! This action upset my permanent XXXX as well as triggered bad memories of identity theft of my credit in real time, emotional anguish as well as emotional terror under Color of law. Financial terrorism disguised as false debt is something no one should tolerate at all. CONTROL CREDIT IS RESPONSIBLE FOR THESE ILLEGAL ACTIONS. I AM GOING TO INFORM THE FEDERAL TRADE COMMISSION OF THEIR ILLEGAL ACTIONS, SALE OF ILLEGALLY BOUGHT DEBT AS WELL WELL AS TRANSGRESS IONS AGAINST FCRA FDCPA AS THE BBB FOR THEIR FALSE STATEMENTS AND ATTEMPT TO RUIN MY PEACE.
Product: Credit card or prepaid card

I paid off both Chase credit cards ( one for XXXX and XXXX for XXXX ) in XXXX of 2020 after I paid them both off I closed both accounts, which was reflected on my credit report. Today I was billed for {$40.00} stating that I have not paid. I spent an hour on the phone and spoke with 4 people at Chase. They said my account was not closed ( even though the credit bureaus showed it to be ) and charges were incurred. I had my identity stolen and so I locked my credit. Chase closed one today but that does not sit well with me as it will affect my credit yet again. Both cards were paid IN FULL then closed.
Product: Mortgage

JPMorgan Chase Bank failed to pay for renewal of my homeowners ' insurance upon acquiring my account from XXXX XX/XX/XXXXon XX/XX/XXXX. This cause my policy to lapse without my knowledge and I did not become aware until XX/XX/XXXX after contacting the insurance company to file a claim for damages to my property from a severe thunderstorm. I was informed on XX/XX/XXXX that my policy lapsed inXX/XX/XXXXXXXX due to non-payment. Chase informed me then that they assumed XXXX paid the policy renewal prior to the transfer as they had record of a {$290.00} payment made prior to the transfer. That was only a partial payment as the policy 's premium was {$1000.00} annually.
Product: Checking or savings account

the recent restrictions placed on both my business and personal accounts. This action was taken after I deposited several checks from my customersa standard business transaction that should not have led to such extreme measures. 

Rather than simply placing a temporary hold on the deposit, which would have been a reasonable course of action, Truist unjustifiably restricted both accounts entirely. As a result, I was left without access to my own funds, making it impossible to cover daily living expenses. Additionally, this restriction caused multiple late fees and NSF ( non-sufficient funds ) charges on my bills, further exacerbating the financial strain placed upon me. 

This decision was not only unwarranted but also highly disruptive to my financial stability and business operations.
Product: Student loan

I co-signed for three loans for my niece While she attended XXXX college and XXXX college. At the time of co-signing all loans was told release as soon as she has job. I was lied to in person at XXXX college and prior to our house being destroyed I had documentation of Citibank document from XXXX College. About two year co-signer release. I sent this to ceo at Citibank and executive office still denied release on XXXX and XXXX XXXX. I also sent complaint to him about misapplied payments or not applied and sent proof and it took years to fix my credit report. Only blemish was from Citibank!!! Loans taken out XXXX. We have had consistent problems with payments not being properly applied and took many letters to get my and her credit report corrected. However prior to without my knowledge they allowed her to change payments on loans and she was told it would not affect loan total or interest. They just could reduce payments. It did. I called. No one cared. She also tried to get me released from loan. We Followed Citibank process and Citibank continued to deny after repaying loans for at least six years and she had great job. XXXX and Now today Citibank split up servicing of 3 loans XXXX XXXX has one loan go on site and only will give three statements and discover has two. XXXX loan started XXXX. Now 3,500 ish. XXXX taken same time started XXXX. Today Balance after over a hundred payments and I know for years the amount was at least {$170.00} equaling payments {$15000.00} on their systems. And No late payments and some extra payments. But I cant verify this because audit trails not on site. I have asked for audit trail of 112 payments applied. If I pay based on XXXX terms for total of 240 payments it will be {$45000.00}. Not the note I agreed too. How is it feasible both loans taken for ten years from Citibank. XXXX now changed to 20 I signed promissory note with Citibank and Citi bank altered. However Citibank allowed borrower to change terms without co-signer knowledge and they called her to offer this great deal. and she agreed based on incorrect information. To date I have not been contacted by Citibank about co-signer release denial s and ruling XXXX or anything else. Student loan low interest is not so low. And this needs to be looked into Citibank even has XXXX charging over a 100.00 every month for interest absolutely crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This account is reporting inconsistent information between the two bureaus if this information is verified as accurate how is the high limit of {$610.00} and {$0.00}? The open date is even different PLEASE DELETE XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX As a consumer, I know that you can not report an account as an open charge off and list the account type as unknown! How was this verified but listed as UNKNOWN? Wouldnt you have known what type of account it was if it was so-called verified? REMOVE IMMEDIATELY
Product: Mortgage

Roundpoint mortgage serviceing corporation failed to pay my property/school tax on time, and did not do so & gt ; 30 days after I called the companied and notified their agents multiple times since I found out the delay in the beginning of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Was investigated and went in my favor XXXX XXXX updated credit report temporarily and later updated it as late again each time i dispute its not updated properly they fail to look at notes and mark it as late. Please assist with XXXX XXXX making this update to all 3 credit agencies as a permanent update as not late per their confirmation later attached in above case number that was closed last year after1st dispute were i involved consumer financial
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to help my wife get a car, I explain I only wanted my credit ran once because it would hurt my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Had a title loan, paid off the interest and trying to pay on the principle as agreed. After the first payment on the principle, they decided to change the rules and make me pa the principle off in whole- liars!!! Can not get in touch with anyone at this point nd they said the car is in repossession mode-
Product: Money transfer, virtual currency, or money service

I opened a paypal account in early XXXX i rhink and XX/XX/2020 paypal restricted my accojnt for i dont know whag reason I'm assuming it was me transferring funds and receiving funds from my best friend and boyfriend paypal account because they closed my boyfriend account as well. But I made no fraudulent transfers I wasn't selling anything and there were no complaints issued against me from anyone. It's fine that they want to close my account but I have XXXX still in the account that they are insisting on releasing after 180 days which is not fair and extreme bey supposedly hold funds for chargebacks which is impossible in mh case so i don't understand why the are holding my money. I've contacted them ghen several times the latest being XX/XX/2020 and still nothing. There isn't any possible way to speak with a live customer service agent its all via messages Rahat they reply to after 2 days. I've never had such horrible customer service before and I dont know what yo do now I just know I really need mh money im out of options and that 180 day wait is ridiculous.
Product: Mortgage

On XX/XX/XXXX  I contacted my mortgage loan servicer ( Intercap Lending ) to inquire about closing my escrow account with them so that I could assume the payments myself as they failed to properly assess my previous years taxes resulting in a greater than expected shortage on my escrow account. I spoke to their VP of default servicing who assisted me in removing this account and ensured me that I would be receiving a check in the mail for the current balance on my escrow account ( {$1700.00} ) so that I could apply that towards my property taxes. On XX/XX/XXXX I was approved for the closure. Per CFR 1024.34 I was advised that I would be receiving my check in the mail within 20 days. I contacted their office on XX/XX/XXXX  to inquire on the status of the refund and did not receive a reply. I attempted to contact them again on XX/XX/XXXX  and XX/XX/XXXX  again did not receive a reply. Today ( XX/XX/XXXX  ) I was able to speak to a representative and was advised that no escrow refund checks or checks of any type were approved to be sent back to me. I was told to contact the individual whom I worked with however he is out of town and unresponsive. My county tax bill has been sent to me directly and I am to make payment within the next month or face penalties. The loan servicer will not release a check and is currently in violation of CFR 1024.34 as the 20 day deadline has passed.
Product: Vehicle loan or lease

Im writing for the refund of {$380.00}, the ACH payment pulled from my checking account XXXX XX/XX/XXXX. 
I purchased a new XXXX XXXX XXXX in XX/XX/XXXX. I financed through Hyundai to take advantage of an additional {$1000.00} off the price. To satisfy the terms I needed to make 5 payments and then refinance. I made the 5th payment in XX/XX/XXXX and sought financing through XXXX XXXX XXXX XXXX. Hyundai received the 10-day payoff amount in full on the XXXX of XXXX. Sadly, Hyundai processed an additional payment from my checking account. Im writing for the refund of {$380.00}, the ACH payment pulled from my checking account XXXX XX/XX/XXXX. 

Ive called Hyundai Finance customer service beginning XXXX XX/XX/XXXX to get this action corrected. Most recently today, XXXX XXXX, I spoke with XXXX who stated he added to XXXX XXXX complaint and advised me to call back in 5 - 7 business days and call later in the day. On XXXX XXXX, XXXX, Supervisor, assured me that the refund would be processed and that I would receive payment by XXXX XX/XX/XXXX. No payment has been received. XXXX was not the first to assure of this, many before him failed as well. Hyundai has not provided in writing satisfaction of loan payoff and the excess amount owed. These facts have been shared a dozen different times with different named persons answering at Hyundai Financial ( XXXX, XXXX, etc ). 
The loan number was : XXXX Payoff was from XXXX XXXX XXXX XXXX for the stated 10-day payoff of {$18000.00}. After 180 days it is time to provide this overpayment Refund,  {$380.00} to me at the address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not have a XXXX checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2020 I sent a dispute to Experian about XXXX item on my credit report, on XX/XX/XXXX, 2020 they reply back saying " This item was removed from your credit report ''. However, a couple months later they reinsert a previously deleted item without notify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that has been settled in full on XX/XX/XXXX. Experian failed to properly investigate this dispute. XXXX XXXX agreed to settle the account in full in XX/XX/XXXX. This account now has a {$0.00} balance after I paid {$180.00} for four months and a final payment of {$180.00} on XX/XX/XXXX. I uploaded all documentation that showed the settlement agreement from XXXX XXXX along with a statement that showed all payments made. Experian updated the dispute today on XX/XX/XXXX and it continues to say that I have a charge-off with a past-due balance of {$1300.00}.