23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a XXXX XXXX XXXX XXXX. It had an offer wherein I could make purchases worth {$XXXX} and get a {$XXXX} statement credit. The offer expired on XXXX XX/XX/year>. I made a purchase on the XXXX website for {$XXXX} well above the {$XXXX} required on XX/XX/year>. I received an email from XXXX  on the same day that I have used the offer and I will be receiving the credit if I didn't cancel the order. On XX/XX/XXXX, I saw that only {$XXXX} were posted to my credit card account, short of the {$XXXX} required by {$XXXX}. So I contacted the XXXX  customer service and they opened a case for me. The agent assured that I will get a resolution but it might take a few weeks. I told him that's fine. I also said it seems like since the order has not shipped the charge was not posted. The agent said XXXX  will wait XXXX days to get the charge posted and I will be fine. He also said he would be contacting me about the outcome of the investigation. I agree and ended the chat. However, I placed another order on the XXXX website for {$XXXX}, just so I would exceed the {$XXXX} threshold if XXXX  wasn't able to fix the issue. I contacted them today, and I asked what the status was. The agent said they closed it because I had not made the necessary purchases before the offer expired. I said I had made it. Then they said the charges were not posted. I told them I can not post a charge, and they said it was the merchants fault and they can not do anything about it. They were extremely unhelpful and unsympathetic about the whole thing. They even blamed me for not making a single charge of over {$XXXX}. I told them I did exactly that and it's not my fault that only {$XXXX} was posted. I was penalized {$XXXX} for {$XXXX} less of the {$XXXX} required, and moreover I had spent more than that. Those charges will be posted by the merchant in a few days, even though I made the purchase before the offer expired. So in the end I will pay what I had paid before and on top of that would not receive the {$XXXX} credit that was promised. It seems like dubious practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. XXXX, Trans Union, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Payday loan, title loan, or personal loan

Two men came through the neighborhood selling solar panels. Wanting to lower our electricity bills and help the environment we agreed. The contract states 18 payments of {$100.00} and then after that term 240 payments of {$190.00}. The problem I have is that after looking at the not a bill statement they send out all the {$100.00} goes toward interest only. I immediately called Service Finance about all the money going toward just the interest and they said we agreed to this. Not what I recall! I said okay all upfront and then no interest after 18 months and they said no. You will continue to pay interest until the loan is paid off. I assumed it would be lower after the 18 months but no to that too. Yesterday I returned a missed call from them and I mentioned it again. The worker said it is in the contract. I looked at the contract today and it is not. I called Service Finance to ask where it is in the contract that says they will collect interest only for 18 months? The lady couldnt solve my problem and then put me on with a supervisor who said we dont break it down like that in the contract. I consider this fraud since they did not disclose that the first 18 payments would be interest only and they would continue to collect interest thereafter before we signed. We pay our debts. As I said that isnt the problem but we will not be able to pay this off anytime soon with the loan like this. I did try to move the loan but they will not refund the {$1800.00} in interest they have collected and whoever takes over the loan will also collect interest.
Product: Mortgage

I represent XXXX. 
We have a buyer for a property. 
The sellers have a First and a Second Trust Deed. 
The First loan is in Default and scheduled to sell on the XXXX of XXXX. 
The second loan is missing. We ca n't find it. The Sellers said they have n't made payments on it for years. However, it still shows up in the recorders office and XXXX as active. 
It was assigned in XXXX of 2016 to Costal Financial. 
XXXX has it with XXXX. 
What now? 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Mountain Run Solutions LLC put a derogatory mark on my credit report alleging a {$340.00} debt due to XXXX based on a contract dated XX/XX/XXXX with XXXX XXXX XXXX XXXXXXXX XXXX XXXX For the purposes of negotiation and compromise, on behalf of XXXX XXXX and myself, I have requested that Mountain Run Solutions provide the following documentation so that we can settle this dispute, which they have refused to provide : 1. A copy of the assignment of the XXXX contract from the Alarm Monitoring Agreement with XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX from XXXX to Mountain Run Solutions LLC. 
2. a written release of all liabilities arising from the Alarm Monitoring Agreement with XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, signed by an authorized representative of Mountain Run Solutions , LLC releasing XXXX XXXX and XXXX XXXX XXXX formerly known as XXXX XXXX ; 3. a copy of a written submission removing any derogatory comment from both XXXX and XXXX credit reports with all three credit agencies, XXXX, XXXX, and XXXX. 
Documents provided on XX/XX/XXXX by Mountain Run Solutions are not signed by an authorized representative contact person to be validated, do not show the details of {$340.00} calculation which conflicts with the billing history document as well as the terms of the XXXX Alarm monitoring agreement.
Product: Debt collection

The XXXX PortFolio Recovery ( Phone number XXXX XXXX ) continues to call me daily/weekly/Monthly trying to collect a debt which I have advised them several times was not mine and I did not open. I have even advised them to investigate the debt as possible Identity theft but they continue to call me. The Debt, they state is with XXXX for $ XXXX plus dollars, it's listed under an address which I never lived in. I am also filing an investigation for this charge since they have placed it on my Credit Report and continuously weigh negative on my credit report. 

The Debt is not mine and I never opened a XXXX Credit Line, I am certain of this. This is the only agency continuously calling me and it's disrupting my mental health.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Account XXXX XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations.

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request Capital One 's assistance in reviewing the status of the charged-off amount associated with my account.
Product: Mortgage

I applied for loss mitigation help with M & T Bank. They denied the request because I had a short term lease that became month to month. They said this was not stable income. 
I reapplied with a new year long lease and they say they will not look at the application and I am not able to reapply until XX/XX/2017 with no reason for this provided.
Product: Debt collection

Heres a letter you can use to request information from Steel River Systems , LLC regarding your account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Steel River Systems , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Validation of Account Account XXXX : unknown Dear Sir/Madam, I am writing to formally request further information and validation regarding the account referenced above. Please provide me with the following details regarding this account : 1. The full date the account was originally opened.

2. The full dates of the first and last delinquency on this account.

3. The date of the last payment made on the account.

4. The date this account was charged off, if applicable.

5. A copy of the original contract or agreement bearing my signature.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and obtain this information for verification purposes. Until you provide the requested documentation, I consider this account disputed and will not acknowledge any debt owed.

Please respond within 30 days of receiving this letter. You may mail your response to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

One main financial has very aggressive tactics to collect loan payment. Even if a payment has been scheduled, they will call and harrass you non stop until the scheduled payment posts. 

On XX/XX/22 I found XXXX missed calls from XXXX. Most were after XXXX PM and in very quick succession. 
( EST time ) XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM
Product: Debt collection

Company states I committed fraud for having a payday loan bounce and that I then closed the account to avoid paying the debt. Therefore commiting check fraud and I will face civil charges
Product: Debt collection

On or about XX/XX/XXXX, I began to receive phone calls from a company called Medicredit , Inc. regarding medical debts they claimed I owed them. To the best of my knowledge, I have never had a relationship with or received services from them. In addition, I never received a letter from Medicredit notifying me of the debt and did not have the chance to dispute it prior to receiving the phone solicitations. 

On or about XX/XX/XXXX, I began receiving letters claiming the same debts. I immediately responded with a " debt validation letter '' requesting that they provide all of the correspondence they believe they have sent to me along with the name and the address of the original creditor and supporting invoices. The letter explicitly including a request that Medicredit not contact me by phone and conduct all communication in writing. 

I have continued to receive phone calls from Medicredit despite this request ( the latest being XX/XX/XXXX ). I have also not received the written validation of the alleged debt. This is likely because they are attempting to collect amounts above what were negotiated and paid by my insurance company. According to my insurance company, the negotiated claim amounts have been paid in full and I owe nothing. 

Since Medicredit is unlikely to prevail in any claim against me, I believe they are hoping to intimidate me into payment by violating the provisions of the FCRA related to allowable methods of contact and providing proper validation of any alleged debts within a reasonable time. I request that Medicredit cease all improper collection efforts and that their business practices be investigated by the proper oversight authority to ensure they are abiding by the requirements of federal, state, and local laws in regards to debt collection.
Product: Vehicle loan or lease

i applied through XXXX XXXX XXXX for a loan through ally they denied me bc they told the dealer im on there fraud list and blacklist and they cant approve any loans, that officialy there denying me for another reason, but that im on a black list and and fraud list i called them and cant get any anwnsers
Product: Mortgage

PNC has mismanaged paying for from my escrow and keeping insurance on my property. They failed to maintain coverage and for 6 months or more, I had no knowledge of this. FHA requires this coverage. They have washed their hands trying to resolve this issue they caused, and instead have sent me XXXX letters threatening to add high-expense coverage on my loan at my expense. Below are the details of the situation : Background of the Issue after I found out my insurance coverage was canceled while trying to file a claim for damages : XXXX. On XX/XX/XXXX, I spoke to a XXXX representative, XXXX XXXX XXXX, who informed me that my policy had been canceled on XX/XX/XXXX, due to nonpayment. XXXX XXXX failed to provide further details or discuss potential reinstatement options. 

XXXX. Upon this revelation, I immediately contacted PNC Bank, my mortgage company, to understand why a payment was not remitted from my escrow account. As mandated by HUD, I am required to have continuous insurance coverage. 

XXXX. On XX/XX/XXXX, I was informed by XXXX from PNC Bank about the following : On XX/XX/XXXX, PNC remitted a payment of {$1500.00} to XXXX, part of a total amount of {$40000.00}. 

Records indicate XXXX cashed the check on XX/XX/XXXX. 
Surprisingly, the payment was returned to PNC on XX/XX/XXXX. 
PNC took no further action as to why the check was returned despite the requirement to maintain insurance per FHA guidelines. 


This situation has caused undue stress, and I seek your intervention to ensure a swift and fair resolution as they continue to mismanage my loan. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and Transunion are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX  XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Product: Debt collection

Beyond all measures this company have failed to provide efficient proof that the debt owed was dispersed from XXXX, they uploaded documents of me asking to have unauthorized inquires removed and a fraud alert from XXXX, but fell to upload the affidavit that legitimize the allege debt. The original lender on the contract that I signed says XXXX, who denied giving me a loan. In the previous claim submitted to the CFPB Case number : XXXX by me. Lockhart, Morris, and Montgomery INC. came to the conclusion that XXXX supplied them with an affidavit signed by me, with XXXX as the original lender of the alleged loan. Since they will not send me the affidavit, I would like to see it uploaded to this website, as validation of debt. I REPEAT DO NOT MAIL AFFIDAVIT TO ME, UPLOAD IT TO THIS WEBSITE WITH YOUR RESPONSE. If they can not furnish such document. I want this debt removed from all credit bureaus. A copy of their response to the previous complaint have been uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. 
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called XXXX XXXX XXXX to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. 
On or about XX/XX/XXXX I called XXXX XXXX XXXX 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. 
I have been trying to seek remedy with XXXX XXXX XXXX and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. 
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated XXXX XXXX XXXX is absolutely not going to remove the write off from my credit report.
Product: Checking or savings account

Wells Fargo Closed my account because they said Ive submitted too many claims. If my account has been compromised by faults other than my own how are they closing my account and wont allow me to open another one? Every claim Ive submitted came back accurate so Im a little confused and I believe the bank is bias or XXXX
Product: Credit reporting or other personal consumer reports

Experian - Is reporting false and erroneously information and refuse to investigate my disputes, or share the information as to how and why this information is used or how they received it.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company is harassing family right after having verified my location, making threats and leaving personal data plainly for others to hear. 

XXXX XXXX of XXXX XXXX XXXX but then XXXX at XXXX its very unclear. 

XXXX Ext XXXX Information : On XX/XX/2020 I received a missed call on my cell phone from this company with a number of On XX/XX/2020 I received a missed call on my cell phone from this company ( at phone number XXXX ), followed by a forwarded voicemail from my mother as they called her right after. Someone named XXXX XXXX called from XXXX and very quickly with no discretion he said my full name on the voicemail and that he was calling about a debt I owe, said where I worked, and that his company was going to garnish wages from me. This is what he said upon the very first time this company ever contacted me, and in voice messages to my family upon first contact. 

I then called him back on my cell phone and spoke to him, verified my location and phone number and that he successfully contacted me. I was very friendly and told him I needed to verify the matter and would get back to him. He was extremely rude and laughed at me. 

He left a message the following day threatening legal action at XXXX. 

36 hours later on XX/XX/XXXX, he called my mothers phone again at XXXX and left a voicemail which said my name and that I owed a debt and that his company was threatening legal action. She played me this message. 

I contacted him to let him know please give me a few days to look into this matter and that he only needs to contact me through my phone number and address, no one else as he already verified my location. Its my understanding that they can not continue to harass my family especially when they know how to reach me and Im in contact with them, especially leaving private information on messages. This seems like just bullying on his part. 

Thank you, XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account paid in full and was deleted and then reinserted.
Product: Debt collection

XXXX CASHNETUSA XXXX XX/XX/2022 {$720.00}
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information, Late Payments on My Experian, Equifax, & Transunion Credit Reports -15 U.S.C. 1666b, 15 U.S.C. 1637 and 15 U.S.C. 1681l I am writing to formally dispute inaccurate information ( late payments ) on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being reported : 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 ( Showing Closed, but still on Credit Report as a Late payment ) Date of Alleged Late Payment : XX/XX/XXXX ( 90 days late & 120 days past due ) Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe.
Product: Money transfer, virtual currency, or money service

I send a payment of {$500.00} to someone. But I get a email stating that the transaction needed further review before it could be sent. I realized an already sent the money earlier in the month. So I didn't confirm the transaction. And it said if we didn't hear from you it would be canceled and the funds would be returned in 48 hours. But apparently cash already sent the payment. But my cash app activity says I should have it refunded back to my balance. But no money is in there I didnt confirm payment.