23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Your multiple choice selections did not give me a choice that matched my problem, but here is the outline : A company called  SLS ( Specialized Loan Services )  now holds a HELOC I took out in  XXXX . The loan matured in  XXXX   XXXX . I contacted them before this time to see if I could roll the loan over. I was told that that would not be possible because ( blah blah blah bankspeak ). At that time my  XXXX   XXXX  was over  XXXX . We entered into " loan modification. '' The loan became past due. I offered to continue paying on the loan while they did their work, but was told that I could not do so. I sent them all the typical documents for verifying income and obligations.  Time  went on. On more than one occasion, while speaking to an SLS representative, I asked if my being in default would show up on my  credit score an d was assured that IT WOULD NOT. THIS WAS A FALSE STATEMENT, and is the problem I would like to report. In fact, the company did show me as being in default on the loan. My  credit score i s now  XXXX  on  XXXX , which rendered me unable to refinance my first mortgage -- an alternative to modifying the HELOC which is now closed to me.   I had the ability to pay off the HELOC, and had I known what would happen, I would have, but I was given false assurances and so chose to pursue " loan modification. '' Further complaints : I was offered a " trial payment schedule '' -- -twice. The first time, whoever prepared the offer overstated my income by a factor of  XXXX . The second time, they got my income right, but their payment amount would have left me with less than {$200.00} a month free cash. This was bad enough, but the documents they sent with these " modifications '' included NEITHER THE DURATION OF THE LOAN NOR THE INTEREST RATE. When I called about this ( ahem ) oversight, I was told that I COULD NOT KNOW THIS INFORMATION UNTIL I ACCEPTED THE MODIFICATION. Surely that is illegal.   I believe that they lied to me and strung me along deliberately in order to ruin my  credit score a nd, when all other avenues for refinancing were closed to me, foreclose on my house. I think this because I have found other people with similar stories. SLS is a predatory organization and must be prosecuted and then shut down.
Product: Credit card or prepaid card

Synchrony Bank issued me a {$800.00} credit limit for a Walmart Credit Card. I have great payment history and never missed a payment. The first issue I have is the company closed my card after the company tried to take payment on the wrong account number. I told the rep that was my saving and made the payment the same day. The manager said not to worry. The next week they closed my account dropping my credit score. I have made all of my payments even after my account was closed. I was placed on a $ XXXX monthly payment and the representative and I tried to make my {$10.00} payment over the phone. Their system was n't working she told me to try to use the computer. The computer did n't work I told her I would try again or mail the payment. I mailed a {$40.00} money order and the company claimed they lost it. Now my credit score dropped XXXX points. In the process of purchasing a new house. This has Hurt my chances. I strongly believe this bank is holding on to my money to lower my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed chapter XXXX Bankruptcy protection. In XX/XX/XXXX, I requested my plan to be dismissed. 

Roughly 5 months later I received notice for the first time from XXXX that there was a balance due on the loan previously protected in the Chapter XXXX filing. 

Further the loan was " crammed down '' as part of my Bankruptcy XXXX filing. XXXX reversed this " cram down '' after my Bankruptcy dismissed. 

Once I was notified that I owed on this vehicle I immediately settled the balance for less than what was owed but legally in full. 

After doing so, XXXX has consistently reported erroneous information on my credit reports. 

Currently, on my Experian report they are reporting that my vehicle was " Charged Off '' 6+ times ; in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

This account was settled and legally paid in full in XX/XX/XXXX. 

I was not given an reasonable opportunity to pay/settle the debt after my bankruptcy was dismissed so as to avoid a negative reporting by XXXX on my credit report. I became aware of the debt in XXXX of XXXX and immediately settled it once I became aware that it was due. 

For the past two years I have gone back and forth with XXXX disputing and asking them to correct the unfair and inaccurate reporting of information on my credit report to no avail. They make one update and then add others that negatively impact my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid on terms and was never late. However, Experian keeps reporting inaccurate late payments on my account. On XX/XX/XXXX, I requested via a letter from Experian the exact and specific procedures they used to verify this account but they failed to respond and only provided a generic letter response. I sent them another said request on XX/XX/XXXX and XX/XX/XXXX and they still have failed to provide this vital information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well I sent the credit Bureaus Multiple letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate. 

Accounts Disputed Listed Below : XXXX  XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX 

XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a VERY unusual issue. In XXXX, I received a letter from Social Security that my XXXX benefits were being terminated since I was supposedly incarcerated in Massachusetts since XXXX. I found this to be a bit humorous since I retired from a XXXX XXXX career in XXXX after 26 years of NY XXXXtate service. Via telephone calls, SS cleared this up within a week but warned me that this severely impacts my credit score. I have been trying to communicate effectively with the credit bureaus but it is futile. Nobody listens. 

Tonight I was told that despite having NO loans, mortgages, car payment, etc ... that my lowered rate is due to my not having enough accounts open. Why do I need unnecessary accounts when I am financially solid and have nothing but a XXXX XXXX history? Why is a financially responsible citizen being forced to open unwanted and unneeded accounts and expose myself to even more fraud? These credit bureaus are out of control.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Has re-dated a debt from XXXX to make it appear as if I acquired the debt in XXXX. I did not live in XXXX on XXXX the XXXX, XXXX, and could not have incurred an obligation to the cities water services. See pages 41 and 42 of attachment I submitted a complaint with XXXX via XXXX XXXX, but nothing was fixed or removed. 

My understanding is changing the date on debt is illegal. 

Thank you for your assistance! 
Best, XXXX XXXX
Product: Debt collection

I received a letter from collections on XX/XX/XXXX for {$410.00} in which I decided to split up into 2 payments each payment being {$200.00}. The day I made my final payment on XX/XX/XXXX I received a phone call stating the previous balance was wrong and that I actually still owed {$2000.00} but if I paid by the end of that day I would recieve a 30 % discount I stated that it sounded suspicious and the lady responded that if I didn't pay my license would be suspended. During the conversation I did give up to much information about myself including my email my address and the bill information. I did ask for a itemized breakdown of what I'm actually paying for and recieved nothing
Product: Credit reporting or other personal consumer reports

The attachement explains in more detail what Experian is refusing to do correctly. 
Basically there is an address that is not mine, I have confirmed this with both creditors. I also discovered one of the accounts listed with the wrong address is not even my account. The other creditor cofirmed my address in XXXX  and said they do not have a record of an XXXX  address. I did what both creditors suggested and disputed the address and account with XXXX  XXXX with Experian. However experian did an auto reply that it was all verified which is impossible as I have spoke with the creditors.
Product: Checking or savings account

On XX/XX/2024 my Chase bank account XXXX was hacked for {$450.00} by a XXXX transaction see below XX/XX/2024 Canceled XXXX XXXX {$450.00} Important : The payment was canceled. 
Mobile number XXXX Transaction number XXXX This caused the account to be closed as well as the debit card ending in XXXX to be cancelled and the {$450.00} returned to my account. At that time account number XXXX was opened and a new debit card was issued ending in XXXX. 
On XX/XX/2024 I went to the ATM in the lobby at Chase located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to make a withdrawal of {$800.00}. The lobby had just closed. However, XXXX and others were inside, and XXXX asked a gentleman to come help me when I told her that the ATM did not give me my money, unfortunately there was nothing he could do to help me and I never got the {$800.00}. 
When I got home the transaction was pending and the money was subtracted from my account. I hoped that when everything was completed it would be returned and was not. 
I called the XXXX number on XX/XX/2024 and the {$800.00} was returned to my account. See below Reversal : ATM WITHDRAWAL XXXX XXXX XXXX ClaimId XXXX XXXX ( ... XXXX ) Notice that the last 4 digits of the debit card is XXXX which is the debit card from the closed account. 
At the time that I was attempting to make the with withdrawal I did not realize I was using the wrong debit card. 
On XX/XX/2024 I attempted to use my debit card ending in XXXX and the transaction was denied, which. 
I did not understand because I knew that there was money in the account. Upon pulling my account up online I found that the money had been taken back see below XX/XX/2024 Claim reversal : ATM WITHDRAWAL XXXX XXXX XXXX ClaimId XXXX XXXX ( ... XXXX ) ATM transaction {$800.00} {$800.00} I then called the XXXX number again and went to the branch to dispute this because I never got the money. 
I did explain to the branch that I attempted to use the wrong debit card that account had been closed. 
So, there was no money in that account. 
ATM transaction {$800.00} Since the account was closed the money should not have come out I have uploaded the bank statements for both accounts to show the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. ED FINANCIAL/ESA XXXX Balance {$0.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$1400.00} ; XXXX DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by CKS financial through a letter that they are representing XXXX XXXX a debt collector company. I vehemently disputed the incorrect and inconsistent content of their letter. I have sent a request for debt validation to the company since the original lender will not provide me with any documentation.
Product: Mortgage

I've already submitted a claim through you about New Day USA. That claim was closed with feedback. The record should reflect all the communication I had with New Day over the course of several months. I read that New Day was fined in different states due to misleading practices in refinancing cases. I was very much mislead by New Day on the amount of our PITI payment and am wondering if anything was done for Wisconsin residents who were similarly mislead.
Product: Debt collection

I did not receive written communication from LVN funding regarding attempt to collect a debt from the XXXX XXXX Credit Card account. The account was reported to the credit bureau on XX/XX/2017 the amount {$290.00} has been paid off and LVN funding will not remove the charge off from the credit bureaus. I have contacted the company by phone and a supervisor stated the company could not delete the remark.
Product: Vehicle loan or lease

My lender XXXX XXXX  Has been inaccurately putting in my payments, and are charging me Interest. I have the receipts through email, text, and on their web page that says that I was paying on time. Even though the payment receipt is on their web page. They're still saying that I did not pay for XX/XX/XXXX and they have that I am 50 days late. And now they claim that I owe them {$600.00} and they sent me an email XX/XX/XXXX saying that they sold my loan to a new creditor foresight. I recently just got a letter on the 2nd from the new creditor foresight that I owe them {$910.00} and they are going to repossess my vehicle by the XXXX of XXXX for back pay. I have asked both creditors for a copy of my contract neither one has it they say. They want me to pay both creditors. My loan with the principal was XXXX and it shows on their website that I only paid {$2000.00}. I have receipts that say that I've paid {$8000.00} of my current loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection aid ( Cfpa ). Specially, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek Appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Request to Remove XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Dear Experian, I am writing to formally dispute the inclusion of XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my credit report. I have notified this debt collection agency that I do not intend to pay the alleged amount listed on my file. Furthermore, I have not received any written validation of this debt as required by 15 U.S.C. 1692g under the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1692g ( a ), a debt collector is required to provide the consumer with a written notice within five days of the initial communication, containing : 1. The amount of the debt. 
2. The name of the creditor to whom the debt is owed.

3. A statement of the consumer 's right to dispute the debt within 30 days.

4. A statement that upon written dispute, the debt collector must provide verification of the debt or a copy of a judgment.

5. The name and address of the original creditor if different from the current creditor. 
To date, I have never received such a notice, which is a direct violation of the FDCPA. Without proper validation, this debt must be considered invalid. Additionally, under 15 U.S.C. 1692g ( b ), debt collectors must cease collection efforts until they provide verification of the debt.

In conjunction with 15 U.S.C. 1692c, which protects consumers from further communication upon written request, I am demanding that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX cease all collection activity and that Experian immediately investigate and remove this entry from my credit report. 
Please consider this letter as my formal dispute under the Fair Credit Reporting Act ( FCRA ) and request for reinvestigation. I demand written confirmation once the disputed account has been removed from my report. If Experian requires further information to process my dispute, please contact me at the address provided above. 
Thank you for your prompt attention to this matter. I look forward to your response within the statutory XXXX period. 
Sincerely, XXXX XXXX
Product: Mortgage

Hi my mortgage servicer is Selene, I was awarded XXXX that only XXXX was applied to the account from XXXX  XXXX in XX/XX/XXXX. On XXXX XXXX they sent out a demand letter stating XXXX was due. As of XX/XX/XXXX our home is now in foreclosure. We had 30 day grace period when Selene took over for XXXX XXXX  awarded 30 day grace period also we never received We was charged for fees and advances XXXX on XXXX XXXX. I'm sending documents showing additional over charge. 
If you need more information call XXXX email me @ XXXX Thank you XXXX XXXX XXXX
Product: Debt collection

I received my credit report, and it stated that I opened an account with Southwest Credit Systems on XXXX I never opened an account with them in XXXX XXXX I never signed a contractual agreement with Southwest Credit Systems for {$1200.00}. It's showing up as delinquent on my credit report.
Product: Credit reporting or other personal consumer reports

I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXXXXXX XXXX  who referred me back to XXXX and XXXX to resolve. When I called XXXX and XXXX they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. Mariner finance was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted mariner finance who confirmed it was never in a bankruptcy and I was referred back to XXXX and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or XXXX. I even asked Marinier Finance written proof that it was paid and it was denied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account that is not mine to the credit bureaus, and is in violation to the FCRA and FTC ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card at XXXX I was denied by Experian because it said that I am deceased?? How do I correct that information? And what recourse do I need to do for this error??? XXXX
Product: Credit card or prepaid card

I have a Chase XXXX XXXX card that I obtained for the travel benefits, which include redemption of points at XXXX % if redeemed using the Chase travel website. I have been attempting to book travel on the Chase travel site since at least XX/XX/2019 but am unable to redeem my points. 
After many calls to Chase over weeks, I learned that Chase has been aware, since at least early XX/XX/2019, of a technical problem that prevents at least some reserve card holders from redeeming points on the travel website. 
I have made many attempts to resolve this issue with Chase. I have been told that the only option available is to book travel elsewhere and request a statement credit ( essentially cash back ) from Chase which will be a dollar for dollar credit. Chase will not honor the XXXX % contractually offered redemption value for travel, though i have made this request on several occasions. 
Chase can not, or will not, provide an ETA as to when this matter will be resolved.
Product: Mortgage

My name is XXXX XXXX  XXXX XXXX and I am an XXXX XXXXXXXX XXXX XXXX  currently stationed at XXXX XXXX XXXX XXXX. I am writing to request assistance in disputing an error reported by your company to the credit bureau. 

During a loan prequal credit check, I was notified that LoanCare reported eight late payments to the credit bureaus for the year XXXX. I have been a valued member of this company for many years and during this time, I have taken great pride in paying my mortagage on time each month. 

I have a copy of my bank account which reflects ontime payments for the entire year of XXXX and XXXX. I am due to XXXX in a month and would like to purchase a new home for my family to reside while I am away but this negative credit report is hindering me from qualifiying for a loan. Please help me investigate this matter and to correct/delete the disputed item [ s ] as soon as possible. 

My loan officer has contacted the credit bureau and submitted said bank statement, however it was reported that a letter needs to come from loancare in order for them to delete these late accounts. This company has a history of dealing very negligently with customers as evident by the hundreds of very like XXXX complaints. 


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

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermost, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I have requested a copy of the contract with my ink signature to prove that the debt Gurstel is trying to collect on is in fact my debt since I have been and currently am in an active XXXX XXXX bankruptcy. I have provided Gurstel with this request via certified mail. In turn Gurstel continues to send correspondence to my previous address in hopes that I will not get it in time and they can get away with not sending the proper paperwork. I will be attending the court date and bringing my own legal representation. The amount of the debt is not the issue here, it is the fact that they have not followed procedure to reach out to my trustee to confirm my bankruptcy and they are violating my FCPA rights. I will not call this creditor as they keep insisting, everything will be done via certified mail so that I have the evidence to provide on our court date.