23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Credit card company failed to send the Hardship application after I spoke to Rep on XX/XX/year> ( XXXX ) in Account XXXX. Unable to pay and company XXXX XXXX XXXX Concora Credit refuse to settle at a reasonable amount and remove from my credit report.
Product: Checking or savings account

On XXXX XXXX XXXX I changed my name to match my IRS records with PayPal from XXXX XXXX to XXXX XXXX XXXX. As a result and without notice, PayPal closed my Savings account. I had a balance on the savings account in the amount of {$320000.00} plus a pending transaction of {$440.00} ( Transaction ID XXXX ) going to the now closed savings account. The {$320000.00} was returned to the Paypal balance, but at this time the {$440.00} pending transaction has not been returned. In addition to this, PayPal informed me that I would not be receiving any interest for the 10 days of the month of XXXX ( XX/XX/XXXX to XXXX ) as a matter of policy. I feel extremely sadden and disappointed by this as no notice was given and now I can't even withdraw my funds out of PayPal to my bank account. PayPal also let me know I could open a new savings account within 3 business days.
Product: Mortgage

For the last 36 months I have tried to modify an existing loan with Select Portfolio Servicing, Inc, XXXX XXXX XXXX, UT. Exorbitant costs associated with owning the property and the hit by Covid 19 contributed to the request for loan 'modification. ' A hardship letter was sent many times to SPS. The company has consistently applied deceptive financial practices, promising a " modification '' and actually stating many times in writing that a " completed mortgage assistance program '' was approved and in existence ( last date was XX/XX/XXXX ). Yet a short time later, the company requests more documents be sent to complete the process. A deadline for additional needed documents was given ( this same information had been submitted and received by the company countless times before ). In this case, a copy of a social security card was requested by XX/XX/XXXX. Said social security card copy was " faxed '' and received by the company on XX/XX/XXXX ( documented in fax receipt ). A loss/mitigation specialist was employed by us, by the name of XXXX XXXX XXXX XXXX This advocate had been working this case since XXXX ( while I, the actual loan borrower, had asked for a modification from SPS the year ( XXXX ) prior to that ). In both cases, SPS dragged on and on requesting the same exact information over and over again ( which prompted me to hire an advocate in the first place ). XXXX XXXX XXXX also faxed a copy of the final requested social security card document XX/XX/XXXX. By XX/XX/XXXX SPS provided no resolution to either of us and sent a letter stating that since 30 days had lapsed with no activity, it was withdrawing the mortgage assistance program but to feel free to apply for a " modification. '' What did SPS think we were doing all this time? The loan under SPS does not fall under the usual XXXX federal guidelines. SPS has employed deceptive financial practices. As of XXXX, XXXX, XXXX the advocate asked SPS representative what the " servicer guidelines are for modification? '' The SPS representative answered that if the client is " current in mortgage payments '' they are not eligible for modification! SPS will not honor the fact the documents were submitted in a timely manner to them. So while I am experiencing financial hardship and need help ; SPS will not give it if I keep paying the loan. Yet SPS puts in writing ( XXXX ) that the consumer can apply for a " modification. '' For over 36 months SPS has requested redundant documents, delaying the process, while lying about whether the modification was possible or would ever be approved unless the loan was in default. Not only have years of our lives and financial health been impacted, but SPS has performed malfeasance in its treatment of our modification application process. We have proof and written documentation.
Product: Debt collection

I sent 2 letters to XXXX XXXX which is a debt collector for XXXX XXXX XXXX XXXX. In the 2 letters, I asked for verification of debt they say I owe to them. Anything signed to prove I owe them what they say I do. Any document supporting their claim. I received 2 letters back with the words we have verified the debt with no supporting documents at all. I have the right to dispute their claim since they put it on my credit report and is effecting my credit. Nothing was sent to me. That is not a verification of debt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  XXXX ( XXXX  ) ( XXXX ) XXXX -- XXXX ( XXXX  ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX  Account number : XXXX Balance Owed : {$3300.00} XXXX Account number : XXXX Balance Owed : {$0.00} XXXX Account number : XXXX Balance Owed : {$0.00} XXXX XXXX Account number : XXXX Balance XXXX : {$65000.00} XXXX  XXXX Account number : XXXX Balance Owed : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX XXXX TO ALL XXXX CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX  XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISCHARGE WAS XX/XX/2012 / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX EQUIFAX/ XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX EQUIFAX/ XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX OF XXXX XXXX THE XXXX XXXX TRUSTEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email last week stating that I had a debt of {$670.00}. Which is owed to the department of Treasury. 
I have zero knowledge of this debt. 
I file and pay my taxes on time every year. 
I can not get anyone at the department of Treasury to respond to my request and I have no idea what this is. 
What is my next level of escalation on this issue?
Product: Debt collection

This is a strange complaint that did n't completely fit into the categories noted. I finalized a difficult divorce on XX/XX/XXXX. As part of the divorce I agreed to pay for a {$25000.00} debt to a credit card company.
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On XX/XX/XXXX I contacted the credit card company several times. I asked about setting up a payment plan to address this debt. I also wanted to get this debt resolved as I have three pending Parent Plus loans for a set of triplets ( going to three different colleges ). The U.S. Department of Education had declined me for the loans until I could set-up a payment plan for this one company. <P/>On XX/XX/XXXX when I talked with three different representatives, they told me that they could not talk to me about a payment plan as I was at " day 159 '' and had to wait until XX/XX/XXXXwhen I was at " day 180 ''. I have no idea what this means except maybe they are going to charge me more money on " day 180 ''? My credit is damaged from this, and they will not assist me at all. I even asked for a letter on company letterhead to send to the U.S. Department of Education/Financial Aid folks - and the credit card company has refused.
<P/>I am now a single parent, and my credit is damaged and my XXXX 's college loans are being held up due to this company. I 've never heard of anything like this happening. And, I 've been a client of the company for over 20 years. <P/>I need some help as my kids college has to be funded by the end of XX/XX/XXXX. As I told the credit card company, I was much happier to be making payments to them to take care of the debt versus having to start making large college tuition payments. <P/>Please help me with this situation.
Product: Credit reporting

I have sent certified letters to Experian in reguards to the collections agencies XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, and XXXX. Theses certified letters were sent XXXX XXXX or XXXX sometime and Experian has failed to provide me with the requested validation of these debts. In my letter then I stated the following. - This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. - to date I have not recieved anything validating the debts and they have stated that they verified with the companies that the debts are mines but not one company has validated themselves either. I spoke to several different people with XXXX in particular who have confirmed with me that the ssn they have attached to their accounts do not belong to me yet they continue to update my credit report with Experian If information I have no paperwork on confirming the debt belongs to me. In speaking with representatives at Experian I have explained to them that XXXX already confirmed with me a social that is not mines. Yet the continue to damage my credit and hinder me from obtaining credit that I would otherwise be able to get without their negligent verifications. I have enclosed a screen shot of the accounts that have not been validated. I am requesting removal of all invalidated collections accounts or I will seek a civil lawsuit.
Product: Credit reporting or other personal consumer reports

I did not authorize 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  to run my credit, this information is incorrect.
Product: Checking or savings account

CITI Bank has closed my account for suspicious activity on my account. Even though when they closed my account I had a {$70.00} positive balance and I had my paycheck which was {$480.00}, AS WELL AS a {$170.00} refund from XXXX. 

When I woke up two days later to check my account, I wasn't allowed in, I didn't have access to any of my funds, or any access to anything. 

Now I spoke with citibanks fraud prevention twice, the first guy spoke to told me my account was closed and I'm getting a check within 60 days. I spoke to a new person yesterday from fraud prevention and they said my account is still open " it's just blocked right now, but it is going to be closed and then we will send you your check '' Even though they told me it was closed they still accepted my paycheck and now it's being held by them. 

I have read the horror stories about this company way too late, and now I'm a victim of citibanks horrible policies and management.
Product: Vehicle loan or lease

I submitted a Lease Takeover Document back to Nissan ( NMAC ) which was received by them 30 days late because of the Pandemic. 

Covid-19 caused large delays in logistics around the world and shut down a large majority of XXXX distributions centers. Overall, the pandemic caused the full lease takeover documents to be delayed by 30 days, however, I was told by a Nissan representative over the phone that I would be granted an extended grace period because of the pandemic ( they would accept the documents ) unless she called to tell me otherwise by end of day XX/XX/2020. 

She never called me, which i assumed meant we are all good to go as she told me on the phone. The documents were received by Nissan and discarded on the XXXX of XXXX, 2020. I never received a phone call back, I am now living in XXXX where the vehicle is not allowed to be. I can't afford to make payments on the vehicle anymore. I have pleaded with Nissan for months now to please retain the documents as the man taking over the lease still wants the vehicle and I am still trying to have it taken over. Its in everyone 's best interest to file the documents through and allow the transfer to happen. I do not understand why this process has been like pulling teeth, everyone is on board and following the playbook except Nissan. They have been TERRIBLE to work with. I have been struggling with Nissan and this vehicle for over 3 months now fighting on a weekly, sometimes daily basis with Nissan. It is driving me extremely anxious and sad as I have to start choosing between paying the lease/insurance and purchasing food or paying utility bills.
Product: Checking or savings account

On XX/XX/year>, I used Cash App to purchase a {$2.00} item at XXXX. Hours later, I received an email and text notification stating that my account was permanently closed due to a Terms of Service violation. However, Cash App has refused to provide any specific details about the violation. Despite multiple attempts to contact their customer support and appeal the decision, my account remains closed without explanation. 

Impact on My Financial Stability As someone managing financial difficulties, I relied on Cash App for daily transactions, including my tax refund and essential money transfers. The sudden closure of my account without warning disrupted my financial stability and delayed access to my money. If I had been given a warning or explanation, I could have taken corrective action. 

Potential Violations of Consumer Protection Laws Cash Apps actions may violate consumer protection laws, including : Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505 ) This law prohibits unfair and deceptive practices. Cash Apps failure to provide a valid reason for my account closure and refusal to offer a transparent appeals process may be considered deceptive conduct. 
Illinois Community Reinvestment Act ( 205 ILCS 735/ ) This law promotes fair access to financial services. Cash Apps abrupt account closures without explanation disproportionately impact financially vulnerable users who rely on digital banking. 
Federal Trade Commission Act ( 15 U.S. Code 45 ) The FTC prohibits deceptive business practices. Cash Apps refusal to disclose the reason for closing my account while holding my funds could be considered an unfair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and told them ONLY run my credit with XXXX XXXX XXXX. I got the loan through XXXX no problem. BUT THEY RAN MY CREDIT THROUGH 3 MORE BANKS. 

Now I have inquiries for years I did not authorize.
Product: Debt collection

In 2016 I terminated my account with XXXX and paid a fee in excess of {$300.00} dollars for early termination. I asked repeatedly if my account was closed and was told my balance was XXXX and my account was closed. Six weeks later I received a bill for {$130.00} which I called about right away. I forget what they said the charges were for, but its totally bogus. XXXX  is a lying thieving company. Anyway, they sent this {$130.00} to collections, and the debt has changed hands a bunch of times. I have been called *at least* three times a day about this erroneous charge for years now. sometimes at XXXX! as late as XXXX! I'm exhausted, but I am so angry about their bogus charging me and then harassing me for years that I simply will not pay. Their product and billing was horrible to begin with and I feel like they're sticking it me for leaving. Please, please make this stop.
Product: Credit reporting or other personal consumer reports

I have filed numerous disputes with Equifax with supporting documentation showing my legal name is XXXX XXXX XXXX and NOT XXXX XXXX XXXX. Equifax has failed to change or update my credit file to my legal name. I have provided them my driver 's license, birth certificate, and now pay stubs to show proof of my legal name. They even sent me a disputes results saying my credit file was updated to my legal name. However, the letter is addressed to a " XXXX XXXX XXXX '' and my credit file is still reflecting " XXXX XXXX XXXX '' and saying " XXXX XXXX '' is a Known name. This information is inaccurate.
Product: Credit card

I purchased an application thru XXXX.XXXX  aka XXXX XXXX to reset a password. 
The initial application.cost {$100.00} and didnt work at all. They said i needed to buy another application for {$30.00}, it still didnt work. For another {$250.00} they would reset the password for me. I received nothing from this company. Despite this company listing a 30 day money back guarantee, when i asked for a refund, they asked for more money. 

I provided this info to sofi bank to dispute these charges, sofi has subsequently denied all disputes. I requested the information that was used to determine the outcome, and its clear the information i provided wasnt even considered.

Per security code they indicate this was a online application and that is false, it was an application that i downloaded onto my phone and wouldnt ever launch. The application didnt work at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the story Citi Cards XX/XX/2018, XX/XX/2018 they are appearing on my XXXX XXXX as hard inquiry 's but these were soft pulls. I have called customer service when this was done and a few months later and both times they said they would remove the hard pull 's on the following dates. 

I am looking to get these removed off my file as promised. They said would get give me courtesy removal on those dates.
Product: Debt collection

I have received several calls in the past XXXX weeks from a debt collection company call Diversified Consultants Inc. XXXX XXXX. I was contacted concerning a {$340.00} debt in XX/XX/XXXX with XXXX. I was told that the debt was given to Diversified Consultants Inc. by XXXX ( another debt collections agency ) on XX/XX/XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at Diversified Consultant XXXX was XXXX. XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XX/XX/XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did google XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to Diversified without any solution to my concern.
Product: Debt collection

I've asked each company to send proof I owe the debt by sending identification according to 18 USC 1028. 

XXXX XXXX  : {$290.00} XXXX  : {$100.00} XXXX XXXX : {$350.00} XXXX XXXX  : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), PROSPER, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), PROSPER, and XXXX/XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive applied for a mortgage loan. The mortgage loan company is unable to pull the Equifax credit report. Equifax has told me 4 different ways to solve the problem and now they want physical documents and could take up to 30 days which means I will not get the loan. Each time I call it take ~30 min to speak with someone. Ive spent close to 4 hours trying to solve this. 
There has been no issues with XXXX or XXXX.
Product: Debt collection

XXXX XXXX XXXX Subject : Urgent Request for Credit Report Removal Paid in Full by Insurance To Whom It May Concern, I am writing to formally dispute the continued reporting of this debt on my credit report. This debt was paid in full by my insurance, and there is no valid reason for it to remain on my credit file as an outstanding or delinquent account. I have verified with my insurance provider that full payment was made directly to the creditor, satisfying the balance in its entirety. Therefore, I am requesting that this account be immediately removed from all credit bureaus to which you have reported. 

Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or deleted from a consumers credit report. As this debt has been fully resolved through my insurance, its continued presence on my credit file is erroneous and misleading, negatively impacting my creditworthiness. If this matter is not addressed promptly, I will have no choice but to keep filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek further legal remedies if necessary. 

Please confirm in writing that this account has been removed from my credit report. I expect a response within 30 days, as required by law. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX