23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by debt collector, XXXX XXXX XXXX, XXXX regarding a credit card debt with XXXX XXXX in 2015. I agreed to settle with XXXX XXXX XXXX to avoid going to court and paid the agreed settlement amount in full. The update was made to my credit report by XXXX XXXX stating that the account legally paid in full for less than the full balance, which the current balance showing XXXX. Since the final payment in 2015, Midland Funding collection agency is requesting payment for the remaining balance of the account in the amount of {$280.00} although the account has been settled and fully paid to XXXX XXXX XXXX. Please assist me in stopping Midland Funding from attempting to collect from me and reporting a collection on all XXXX Credit Reporting Bureaus. I have settled the account legally and do not owe anymore on this XXXX XXXX debt.
Product: Mortgage

My wife and I started having trouble paying our mortgage after my wife was diagnosed with XXXX and quit working. We started the loan modification process, which was a lot of work. We knew there would be applications and documentation that would need to be submitted, but it seemed like everytime we completed a task, suddenly there would be an unseen hoop wed have to jump through. We brought in some help from a local HUD agent, which helped get things moving. We finally got to what seemed like the last step of the process, which was a letter of explanation regarding who was listed on the title of our home XXXX my wifes name is on the title, but not the actual loan ). I drafted the letter, faxed it in within a day or XXXX, I even explained that the title included my wifes maiden name and had since changed since we were married. Well, my mortgage company came back and said I was denied because I was unable to provide a clear marketable title .... My HUD agent tried contacting the company, but could never get a straight answer as to why, other than having my wife listed on the title of OUR home, we were denied.
Product: Credit reporting or other personal consumer reports

Correspondance dates : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$18000.00} This information is inaccurate information. 



I am writing to address the subject of the aforementioned accounts and transactions. 

As you are aware, the vehicle in question was repossessed by XXXX XXXX in the State of [ Your State ] on or about [ Date of Repossession ], and subsequently resold. 

It is imperative to note that in accordance with the laws of the State of Georgia, specifically UCC [ Your State 's UCC Code ], as well as State RISA and MVISA statutes, a deficiency claim can not be valid unless all required notices were duly provided in a proper and timely manner. Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. 

I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 

Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved, in accordance with all available State and Federal statutes, as well as UCC 9 remedies. 

I expect a prompt response to this matter, and I thank you for your attention to this concern.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a XXXX  was filed and subsequently XXXX. On XX/XX/XXXX, I sent a formal dispute letter to Equifax regarding incorrect reporting of this XXXX. As of XX/XX/XXXX ( 64+ days later ), Equifax has failed to respond or investigate as required by FCRA XXXX 

Key violations : 1. No response within mandatory 30-day investigation period 2. Continued reporting of disputed information without verification 3. Failure to conduct reasonable investigation 4. Violation of FCRA sections 15 USC 1681i and 1681c-2 Supporting facts : - Court letter confirms they do not report to credit bureaus - Dispute sent via certified mail on XX/XX/XXXX - No investigation results received - No correction made to report - No communication received from Equifax, XXXX and XXXX - Credit report still shows incorrect information This ongoing failure to investigate and correct has negatively impacted my credit profile and violates multiple FCRA requirements for proper dispute handling and investigation procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX 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 XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX  Account Number # XXXX XXXX Account Number # XXXX XXXX XXXXXXXX Account Number # XXXX XXXXXXXX XXXX XXXX  XXXX Account Number # XXXX DEBT OF ED/XXXX  Account Number # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number # XXXX XXXX U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Prepaid card

On XXXX/XXXX/16, I attempted to log into the Citi prepaid site to check my balance information for my XXXX XXXX payroll card. After several attempts to enter my password and getting rejected, I bypassed the login and entered my card details to see my transactions. I was extremely shocked to see that someone had made an unauthorized bank transfer of {$4900.00} from my account on XXXX/XXXX/16. I immediately called Citi Prepaid card services to report the fraudulent transaction. They placed a block on the account to prevent any further fraudulent activity and issued me a new card by mail. They informed me that the fraudulent transfer was made using a XXXX account of unknown origin, a bank I have no affiliation with. They told me to check back every few days to ask about the investigation, but that was it. They did n't offer to credit me the missing money or anything. I filed a police report the very next day and forwarded the case number to Citi by phone shortly afterward. As of XXXX/XXXX/16, Citi says my account is still " under investigation '' and although they issued me a new card, they refuse to remove the block on my account. They have already had 10 business days to investigate this matter ( my account is more than 30 days old ) and according to what I 've read on this site, they are supposed to credit me the missing funds while the investigation is ongoing. They told me the investigation could take 45-90 days to complete, and that they can not remove the block from my account while the investigation is still ongoing. In the meantime, I have bills to pay and no way to pay them. Talking to them Is getting me nowhere, and I am becoming very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX  XXXX Balance : {$2000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}.
Product: Student loan

I called Aidvantage about reinstating my student loans that were paid off over the pandemic. I called them on XX/XX/XXXX and was told I would recieve a refund XXXX weeks from that day. ( That timeframe was XX/XX/XXXX to XX/XX/XXXX ). I called them on XX/XX/XXXX ( week five since initially calling on XX/XX/XXXX ) to get an update because I hadn't seen my loan balance change from {$0.00} and certainly did not receive a refund at that time. The representative I spoke to said it was supposed to be processed and send out to the DoE on XXXX but it was delayed and they still were processing it. They said that I should expect to see the loans reinstated the following week. I then called the following week on XX/XX/XXXX. The first person I spoke to said " your loan was sent on XX/XX/XXXX and you should be seeing a refund XXXX weeks from that time ''. That didn't sit well with me so I called back to reconfirm that information and the second person I spoke to said that it was still processing and not actually sent out. She said to call back in a week. I once again called back yesterday, XX/XX/XXXX, and the lady gave me more contradicting information.. all the representatives I spoke with gave me a different story. It has now been 7 weeks to the day since I initially called to have my loans reinstated and it is still " processing '', which they can not define what that means, and it has not left aidvantages hands. They are now telling me that I should give it til the end of the month at the very least before calling back. I want my loan reinstatement processed immediately so that I have a balance to be apply for the loan forgiveness by the suggested XX/XX/XXXX date. I payed off my student loans over the pandemic and did my due diligence and now when it comes time for them to reinstate them, they are not acting in a timely manner and preventing me from applying for forgiveness. There are others who have called after my that have already had their loans reinstated and I need clarification immediately. I have called them multiple times, had my case escalated, submitted a complaint on their website and nothing is working. Every person I speak to gives me different information and give me the go around. I am completely in the dark and they provide no paper trail or insight as to were your loan is in the process of being " processed ''
Product: Credit card or prepaid card

CAPITAL ONE BANK IS REFUSING TO INCREASE MY CREDIT LIMIT AND HAS ALLOW A FRAUDULENT TRANSACTION TO PROCESS OF MY CREDIT LIMIT AFTER MULTIPLE DECLINE NOTICED REGARDING THE CREDIT LIMIT.
Product: Mortgage

This all started when the company Seterus took over the loan from XXXX. The time they took over its been nothing but XXXX what they put me through. First they took one of my payment and applied it to my escrow account when they should of applied to the loan payment. I had sent you CFPB information before on XX/XX/XXXX. XXXX is the reference number. They said they were going to fix the information and correct it. I had sent them this information on numerous times faxing all the papers showing them all my payments. Till this day I'm still getting harass about them not getting the payments they already receive even after sent them my copies of payments. The Seterus company now sold my loan to another named XXXX and now I'm going through this whole mess again because they are informing they I didn't make my payments because of Seterus and showing them that NOW they said they didn't make a XX/XX/XXXX payment of XX/XX/XXXX to which they have copies because I sent them numerous times because of their of their misapplying the previous payment earlier to which NOW I believe was a lie about them fixing it. I know i'd made my payments and I believe I shouldn't have to go though this all over again and costing me more money to send them information they already have. I really need help with this once and for all. If I need to hire some legal help please advise. Thank you. The person I'd talk from XXXX was XXXX XXXX who inform me about what is now going on with my loan with them now and Seterus and what they inform them about me. Like I said earlier it had all started with Seterus screwing up my payment and misapplying it from the get go from XX/XX/XXXX till now XX/XX/XXXX. If you need copies I will send them to you, NOT THEM ANY MORE. They already have them.
Product: Mortgage

I already put a complaint in but nothing got fixed. Ill start from the beginning. 

In XX/XX/2020 we bought our first home with a VA loan through XXXX XXXX. We had them for a couple of months and then our loan go switched over to XXXX XXXX. I was XXXX in XXXX due to COVID and we had to apply to get us through for a couple of months until I found work again we made our XXXX and XXXX payments, and asked for XXXX, XXXX, and XXXX off, and returned to making our payments. Everything was fine. We were then sold off to BSI Financial. They instantly starting sending us forclosure messages and saying we owed them thousands of dollars, we slightly got that issue fixed but nothing has been good since. We have made our payments to them since we have been with them, they statements are all messed up, rates going up and down, there data is completely messed up saying we owe thousands in taxes one month and then a bunch in Escrow for another month, and never applying ANY of our payments towards our balance. I have looked into these people and realized this is not the first time they have done this. This company should be closed because of how they have effected so many lives and have there data completely messed up. They must not have correctly looked over the loan when they recieved it because we went back to making payments. They fixed our credit, barely, but are saying we owe them thousands of dollars still? They are stealing our money and not applying it towards anything. 

I will be attaching their statements, ( that make no sense ), and our statements from our bank account that have proved we have paid. We have always paid the same roughly in our mortgage and that price should not have changed, or if it did we were never notified about it. However we speak to a person every time we pay because they wont let us pay online. ( which is extremely suspicious ) We would really like to get out of this situation and see BSI shut down. I know this is effecting other people, and they have already been in trouble for very similar situations. How are they allowed to do this. 

They are currently saying we need to pay them {$23000.00} They also send us a loan modification for {$8000.00} dollars more then we even paid for the house! 
We have been making payments every month, for 2 years besides the three with XXXX that got pushed back to the end of the term. It looks like we havent paid anything on our mortgage since we got it. This also means they have not looked at XXXX or XXXX XXXX to see all of our payments. 
We really need CFPB help on this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of MO, along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me an updated copy of my credit report upon completion of your investigation. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loans reported my account past due to credit reporting bureau for the month of XXXX and XXXX. Even though my payments were automatically debited from my account for years prior, XXXX stopped debiting my after balance were payed off from original loan, but not the deferred balance from a previous company and automatically report my account as delinquent without notification the deferred balance would not be automatically taken from account like all other payments and I wasnt aware of this I feel they should of made me aware that deferred balance doesnt qualify for automatic payments
Product: Student loan

I believe that I should be included in Case XXXX. XXXX XXXX didn't explain any private loan was being requested on my behalf. I was rushed and they used high pressure tactics to get me enrolled. 
I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, advising me that although I satisfied all admission requirements for the XXXX program that I had not been selected based on their ranking system based on their admission exam scores and due to more applicants applying that they had spots for. On XX/XX/XXXX I got an email from XXXX XXXX the XXXX program chair to call her because I was next in line to be admitted to the XXXX program. During my meeting with the admission staff, I was rushed through the process of applying for federal student loans, never given the answer as to the the total cost of the program ( even though I asked for the total program costs ), and I was pressured to sign the paperwork if I wanted to get in now because they could offer the spot to someone else. Classes started XX/XX/XXXX. I never received any enrollment packet that outline what's required to graduate. I was not given or ever shown the XXXX XXXX note until after classes had started. I did not electronically sign anything & only ever signed financial loan papers once when I went in to sign up for school. I attended XXXX XXXX with the understanding that all of my loans were federal only to find out later that a high interest private loan had been attached to my package without my knowledge. I was also required to pay {$1800.00} cash out of pocket because I refused to take out another loan. I was told that if I didn't take the loan or defaulted on my scheduled payment I would be expelled for non-payment. I struggled but came up with the money to pay. I paid {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. I was not advised of any grants or scholarships that were available to me. I asked about more state aid and was told that I didn't qualify for more state aid which wasn't true. At that time there was an XXXX XXXX XXXX scholarship available, which was one of many opportunities that I found out about after the fact. No one ever told me I was taking out a private loan. I was lead to believe all my loans were federal loans. I never received any paperwork until after signing documents to attend school. My servicer, Navient, has not applied the judgement relief per the case # above pursuant to the Indianas Deceptive Consumer Sales Act, I.C. 24-5-0.5 et seq.- " Incurable deceptive act '' means a deceptive act done by a supplier as part of a scheme, artifice, or device with intent to defraud or mislead. And has been continuing to collect on this loan from me.
Product: Debt collection

I was contacted by Allied International about an invalid debt. I work in construction safety and I answer all calls in case of an injury or incident. I notified the caller that I was at work and I could not take non work related calls and told them Im available after 5 Monday to Friday. They said they would call me back. Today at work I received another call. I informed the caller that the debt was invalid, I received and sent them a letter stating that, and that I was at work and could not take non work related calls. They refused to listen and kept going on. I repeated myself and they started talking over me and I hung up. I hate being rude but the caller from Allied International would not accept what I was telling them and wanted to continue bothering me at work.
Product: Checking or savings account

On Friday, XX/XX/2019 I notified Chase of two fraudulent charges of {$400.00} ( {$800.00} total ). I was attempting to purchase concert tickets and was scammed, no tickets were received. I notified Chase within an hour of the fraudulent charges taking place and they started the process of fraud investigation. I was given temporary credits for the charges until they could investigate the charges. 

On XX/XX/2019 I was notified by mail that the credits were being reversed and that the bank had concluded it's investigation - they believe that the charges were not fraudulent. During their investigation they did not reach out to me at any time for any information regarding the transactions or ask for any proof from me. I had text and email correspondence showing that I did not receive the goods ( concert tickets ) and that this was clearly a scam. I asked for more information ( what evidence caused them to make this decision ) and they said that they would send it by postal mail. 

On XX/XX/2019 I received the evidence in the mail and the reasoning for declining the dispute was " compelling evidence '' that I had received the goods/services as part of the transaction. Chase stated that there was documentation to prove that the cardholder was in possession of the merchandise. For which I have evidence to prove the opposite ( which was not even considered during the investigation ). The summary stated that I needed to reach out to the recipient directly if I wanted to get my funds returned. 

Chase clearly states in their terms that they will protect against fraudulent charges. Upon trying to contact them further they simply state that they can't do anything further and that the investigation is closed. I don't know what to do and am very upset with this result. I feel that if they acted swiftly to stop or reverse the transaction immediately when notified then this could have been avoided completely.

Information on the claim : Claim Number : XXXX Card Ending in : XXXX Account Ending in : XXXX