23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XXXX XXXX for {$660.00} Credit Collection I Sent letters requested the credit bureaus Transunion, XXXX, XXXX as well as the creditor to provide me the documentation of the proof of verification of investigation that they was suppose to did that they was able to determine account was in fact mine. I have not business with company and unaware of the debt. I also reached out the creditor as well and no response from them or the credit bureaus. And requested the account to be removed from my report if not able to verify it's still reporting on my report negative, and no response from bureaus
Product: Debt collection

This complaint in short is about an alleged " debt '' from XXXX XXXX XXXX  with respect to excess wear and tear on a vehicle. The amount in question has been disputed and I feel as though XXXX XXXX XXXX has broken various Consumer Protection Laws under the Fair Debt Collections Practices Act, which is Federal Law, the state mirror called The California Rosenthal Act, and finally Business And Profession Code Violations. 

Please see the attached correspondence to the company that has been sent, which goes into greater detail.
Product: Mortgage

I send my mortgage payment 10 days in advance via my personal bank bill-pay. On XX/XX/2024 I received my monthly statement that upon review I found that the monthly payment was short by about {$60.00}. I called Rocket Mortgage to pay the default amount and to correct this matter. Rocket Mortgage could not find any default and stated that my loan payment was up to date after being on hold for a considerate amount of time. I told them that that was incorrect, and then the phone line was dropped. I called again and made an extra payment of {$200.00} to cover any default of payment, which the person on the other side of the line said that it was not necessary because there was no default in payment. The next day, Saturday, I got this letter from Rocket Mortgage stating that I am charged a late fee because a default in payment ; I went to my online banking and added a {$200.00} payment via bill-pay. So, on Monday XX/XX/2024, I called and asked to reverse the late fee because the persons whom I spoke to didnt disclose the late fee information. They told me that to reverse the charge is not possible because the default payment has been paid. With this I reluctantly enrolled into automatic payment via Rocket Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I have come across information reported from Department of Education/XXXX that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of. EQUIFAX CONTINUES TO REPORT INACCURATE INFORMATION ONTO MY CREDIT FILE THAT THEY ARE NOT EVEN VALIDATING. DEPT OF ED/XXXX COULDNT HAVE POSSIBLY VALIDATED OR VERIFIED THIS INFORMATION WITH YOU BECAUSE THEY CANT VALIDATE IT WITH ME. I WILL BE FORCED TO PURSUE LEGAL ACTION AGAINST EQUIFAX IF IT IS NOT REMOVED
Product: Payday loan, title loan, or personal loan

Systems & Services Technologies Inc. ( SST ) bought XXXX XXXX   loan accounts as XXXX XXXX where no longer allowed give military personnel loans. SST quickly renamed XXXX XXXX to SST XXXX XXXX. There was no transitions nor was the existing customer notified properly. This created a deliberate miss payment as part of XXXX XXXX loan model was ACH withdraw only in order to get a loan with them. By doing this, they generated massive amounts of late payments for the loans they hold. This gave SST the right to charge {$25.00} a day late fee 's to every account until paid in full, then they added {$25.00} web service fee and late charge for that. Once an account gets below a certain threshold they generate more late fees and misc charges to bring it back to prior threshold.

Example if I paid an account down to {$2700.00} only to be told I owed {$3100.00} cause of late fees I once paid off. When I contacted the service rep I was told to deal with it and there was nothing I can do but pay the fees, then my credit score drops 80 points a day after that call cause now I was 30 days late again and I never knew I was late in for the place. This company has been getting away with predatory conduct to the accounts they hold and further research shows they are illegally harassing other people with closed accounts, to even to go as far hurting other people credit lines with false calms they still owe money when accounts with the old XXXX company have been paid in full years prior to the loan buy outs. During current time and pandemic this company has ramped up its money generation with fake late charges and clams to scare people into paying them in order to not lose credit score placing or face fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact XXXX, XXXX, and Equifax about these unknown inquiries on my credit report in XX/XX/XXXX, and again in XX/XX/XXXX. I was told I had to contact each company. When I contacted the companies, I was told I needed to dispute with the credit bureau 's. I am getting no progress with these false inquiries on my report.
Product: Credit card or prepaid card

I purchased items at Kohl 's on XX/XX/XXXX that totaled over {$200.00}. I paid for the purchase using a combination of Kohl 's cash, XXXX gift cards, and my Kohl 's credit card account. After all credits were applied, I still ended up putting {$120.00} on my Kohl 's credit card. On XX/XX/XXXX, I returned one item totaling approximately {$31.00}. The Kohl 's employee that took my return told me that the refund would go back on my card. I assumed that she meant my Kohl 's account. A couple of weeks later, I went online to check my Kohl 's balance and noticed that I never received my refund to my Kohl 's account. When I call their Customer Service number, I was advised that the refund went back to a XXXX gift card that belonged to my sister. When I told them that they  sent my refund to another person, they told me there was nothing they could do about it because that is " how the system works ''. They told me to call my local Kohl 's and talk to them about it. I then called my local Kohl 's and had several conversations with a manager and eventually, the store manager. Both employees advised me that my refund was sent back to the XXXX  gift card automatically because that is how the system works. I was offered store credit for my purchase ; however, neither subject seemed to care that a system is in place where a customer 's refund money can be sent to someone else. Also, I did not want my refund in the form of another store credit. I wanted it to go against my outstanding balance to lower the amount that I owed. I was told that this was not an option because the " computer would not let them do it ''. This whole situation is not ok. My refund money was sent to someone other than me. Then they would n't refund the money to my account because they want to force me to spend it at Kohl 's again. I was also told that my sister would have to call Kohl 's to have the money re-issued. This is not acceptable. They sent my money to someone else, so they should get it back. In this instance, the money was sent to my sister. I was able to just get it from her ; however, what if my sister did n't want to give me my money? What recourse would I have? I have already complained to the BBB ( see attached files ), but Kohl 's response does not address the issue of the system that is in place. I have also complained to the Illinois Attorney General, but have not received their response yet.
Product: Credit card or prepaid card

I have a Bank account with TD Bank and have been loyal to them for many yrs. Back in XX/XX/2018 I had opened a joint account for my wife and was offered a promotion cash card from TD where it would give XXXX cash back whether it be towards statements or rewards along with an XXXX XXXX XXXX. Promotion only applies if card is used at 500 or more within a 90 day window given the promo period. I had asked the rep during our sitdown if this would apply towards balance transfers as I had transferred a balance of 5000 over and she explained it would. After waiting a few months, I had called into TD customer service and explained i have not received my rewards and the rep on the phone explained there was a wait after the 90 days to receive the XXXX XXXX in the mail. I don't recall the specific detail as far as the time frame on the delivery but the there was a window period referenced during conversation. A few more months go by and still have not recevied any reward as promised and asked one of the tellers in the XXXX branch during a visit and explained it would have to be redeemed online. Being upset already, I went online to tdcardservices and did not see anywhere that I could redeem my reward and called in XX/XX/2018 and spoke to the card rewards dept. I explained the situation to the rep on the phone and she had apologized for the inconvience and explained she would speak to a manager in reference to the rewards promo. After a few moments, the same rep explained that the balance transfer does not apply towards the promotion and I would have to speak to the branch manager to help me in this situation. Being very upset at this point that the representative on the phone was unable to help me and giving me the run around and not offered the promotion as promised, I am very upset at this point and filed a complaint and to the point where I may close my account with TD bank account. I do not want to see someone lose a job over a situation like this but if you are providing false information intentionally and not being upfront honest simply for a commission spiff, then that is a company I would not like to do business with.
Product: Student loan

To whom this may concern, As of XXXX XXXX, The student loans of approximately {$2800.00} and {$5000.00} coming to a total of {$7800.00} were proposed from the original creditor XXXX XXXX XXXXXXXX to me. Due to forebearance in XXXX, the debt was purchased and given to a third party ( my current ) student debt collecting service, Mohela. From XX/XX/XXXX to XX/XX/XXXX, Mohela claims, interests accrues if not paid even though my balance and fees are {$0.00}. As of XX/XX/XXXX an amount of interest that was nonexistent proposed to be paid.
Product: Vehicle loan or lease

I had received some late ( XXXX ) during XXXX ( XXXX lockdown in Texas ) due to a loss of my job. I called each time to advise them that a payment would be made late as I was doing everything in my power to make the payments on time. Once I had a new job I completely paid the account up and was making all future payments in advance. However due to the fact they filed the payments late on my credit report my credit has taken a very large hit due to the payment history during a nationwide pandemic. I have reached out to them multiple times ( by phone, through the app, emails and written letter ) across the span of XXXX years. They have failed to make any contact with me or provide a response to the request to remove the late payments with the proof provided that they were advised in advance of the issue and then paid in full with advance payments. I have continued to make payments in advance for XXXX years and have completed XXXX personal loans with the same company all with on-time or advanced payments.
Product: Money transfer, virtual currency, or money service

My husband send money through Google Pay and Google Pay XXXX XXXX deposited the money on Monday but withdrew the money on Tuesday and is now playing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched Tracking XXXX Proof Delivery to XXXX  XXXX XX/XX/XXXX. See attatched XX/XX/XXXX Letter from me to XXXX Requesting VERIFICATION OF USAA & XXXX  ACCOUNTS. MAIL FRAUD Criminal Investigation USPS DELIVERIES NOT MADE XX/XX/XXXX. See attatched XXXX XX/XX/XXXX. See attatched XXXX Reports. See attatched FTC ID Theft case XXXX. My complaint is : Despite written requests the unverified original signatures of delivery into my hands and XXXX License & Signature VERIFED I Opened Accounts have not been provided. The Accounts still remain on my credit report in violation of Federal Law. XXXX is required under FCRA to have a copy the original creditors documentation on file to verify that this information is mine and correct. In the reports XXXX   stated " VERIFIED '' that these items were being " REPORTED CORRECTLY ''? Who verified these accounts? XXXX has 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 XXXX failed to provide the method of verification required under SECTION 611 ( a ) ( 7 ) Under SECTION 611 ( 5 ) ( A ) of the FCRA REQUIRING XXXX to " ... ..... 
Promply DELETE all information which can not be verified ". *THE LAW IS VERY CLEAR THESE BANKS ARE REQUIRED TO BE (  ADA 2.1 COMPLIANT ACCESS TO ALL XXXX. ) I HAD NO ACCESS TO THESE ACCOUNTS. * The Law is very clear as Civil liability SECTION 616 AND 617. I DEMAND XXXX  VERIFY THE XXXX  & USAA ACCOUNTS WITH ORIGINAL DOCUMENTATION OR DELETE IMMEADIATELY. I have only recieved credit reports claiming these accounts are verified, I have the right to ask for the original signed contracts wit ID to truly verify my signature.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a dispute was submitted to Experian on behalf of XXXX Bank, XXXX bank XXXX and XXXX XXXX Bank. The Dispute disclosed the evidence needed to validate that the Debt that is reported to being to XXXX  BANK, XXXX BANK XXXX AND XXXX XXXX BANK in fact does not belong to those credit agencies as they have been sold to another company and paid. 

XXXX BANK account ending in XXXX was sold to XXXX XXXX XXXX XXXX ( XXXX File Number XXXX ) Final payment was resolution payment was received XX/XX/XXXX. 

XXXX BANK XXXX account ending XXXX was sold to XXXX XXXX XXXX XXXX and final resolution payment was received XX/XX/XXXX. 

XXXX XXXX Bank was sold to XXXX XXXX XXXX. 

by Experian agreeing to publish the inaccuracy of the account information on my credit report, they too are violating the FCRA statue.
Product: Vehicle loan or lease

I write to complain against Toyota financial. They claim that I owe them the amount of {$6000.00} and has sent me to collections. I can not pay this amount. Instead, I write to request my {$2000.00} down payment be refunded. 

In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX, XXXX and made a {$2000.00} down payment to Toyota financial through XXXX XXXX located on XXXX XXXX XXXX XXXX PA XXXX. 
The vehicle was defective ; it had a cracked windshield, broken view marrow engine was bad. The weekend I took it home the engine became dead, and the car refused to start. I immediately reported this to the XXXX car dealer and was told via phone and in person by the manager, that there was nothing they could do about it. Per my request, they could not repair the vehicle nor give me a replacement vehicle. My insurance company provided a tow truck and transported the vehicle back to XXXX 's lot. Meanwhile, my Lawyer ( XXXX XXXX ; phone number XXXX ) sends them correspondence which they refused to acknowledge. 

In XXXX of XXXX, I received a letter from Toyota Financial informing me that the vehicle was voluntarily turned over and that they will sell to retrieve their money. I got in touch with the dispute team many times informing them of the setback. I provided my lawyer 's information to be contacted. They ignored my requests, send another decision letter that I owe {$6000.00}. 

Kindly consider my formal complaint. I look forward to your assistance in the matter.
Product: Debt or credit management

Midland Credit Management : XXXX {$460.00} Under the provisions of XXXX XXXXXXXX of the United States Code, Section 1028, it is illegal to engage in fraud and related activities concerning identification documents and information. Regrettably, I have reason to suspect that my personal information has been compromised, leading to unauthorized transactions and account access. 

XXXX. Your business has purposely refused to correct this situation & continue to violate my consumer rights. 

I am deeply concerned about the security of my account and the potential impact of this fraudulent activity on my financial well-being. As per Section 1028 of the United States Code, I request that MIDLAND CREDIT MANAGEMENT undertake a thorough investigation into these matters and take appropriate measures to rectify the situation.
Product: Credit card

Macy's/American Express card was compromised. I called company of fraud charges on XXXX/XXXX/2016. The fraud activity that took place in XXXX and XXXX. I have not been to either of those XXXX states and had my card in my possession. The card company stated they would send me a document for dispute that I needed to complete & send back to them via mail only. I completed the form and sent it on XXXX/XXXX/2016. I checked XX/XX/XXXX & they claim to not have received it so I sent another statement of fraud on XXXX/XXXX/2016 via certified mail. I have proof that they received the statement of fraud on XXXX/XXXX/16 but I have not received a letter acknowledging they received my dispute, and they have not solved my case that keeps accumulating finance charges.
Product: Credit reporting or other personal consumer reports

Ive reviewed my Consumer Reports and noticed one late payment on my account which has never been late. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late in any payment for this account ( XXXX XXXX XXXX XXXX  : XXXX on XX/XX/year>. Please investigation and provide proof with statements showing that this payment was late. In addition, if no proof can be provided I demand this payment status to be updated to on-time as they should be as I was NEVER LATE. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies has failed in the DUTY AND OBLIGATION to conduct an investigation of their own when ever consumers sends in disputes with wrong information being runished. Conspicuously and 100 % accurate and 100 % correct. Which they clearly have failed to do which has gotten me denials for credit in the hardest financial situation to man. XXXX XXXX XXXX has clearly violated the FDCPA on numerous occasions as ill attached below. THE information being furnished by XXXX XXXX XXXX has been changed before and has been deleted/remove from all XXXX Major reporting agencies and not XXXX time have I gotten a letter/NOTICE of information being reinstated before XXXX business day its furnished back into a consumers file. VIOLATION. If XXXX XXXX XXXX ASSERTS it did in FACT SENT NOTICE OR LETTER I hereby request proof of any of those claims and or documents. Lastly XXXX XXXX XXXX has certified and verified that the information being furnished in all XXXX of my consumer file are accurate when in fact its beyond accurate.
Product: Checking or savings account

I had a check that was made out to me get stolen from my mail. The thief cashed the check at a Bank of America branch. I dont have an account at Bank of America and I wasnt in the city when the check was cashed. The bank is refusing to return my money that was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to log into Experian and could not log in. It said because I put the wrong password in too many times that my account was locked. It said to call the number they gave me to unlock it. When I called the number, there is no way to unlock it, nor is there a way to speak to a representative
Product: Credit reporting or other personal consumer reports

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the XXXX  documents for your thorough review and reference.
Product: Debt collection

I have a a unverified account from XXXX XXXX XXXX   # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

I RECEIVED A NOTIFICATION ON MY XXXX  CREDIT REPORT FROM CREDIT SYSTEMS, WHEN I GOT A COPY IT INDICATED IT WAS FROM " CREDIT SYSTEMS '' FROM XXXX XXXX  XXXX IN THE AMOUNT OF {$25.00}. CREDIT SYSTEMS HAS MY CURRENT ADDRESS ON FILE AND I DID NOT RECEIVE ANY NOTIFICATION ABOUT THIS DEBIT, IF SO I WOULD HAVE PAID IT IMMEDIATELY THIS COMPANY MADE NO ATTEMPT TO SEND ME A COPY OF SAID DEBT
Product: Mortgage

In XXXX of 2014 I applied for a loan modification with Nationstar Mortgage. I 've been jumping through the hoops for the LAST YEAR to get the loan changed to lower payments ( like they used to be with Aurora Loan of {$1500.00} a month ). Last week I was called, and told that I did not qualify for a loan modification. When I originally applied ... .I was starting a new business, and did not have the funds to make the new payment of {$2800.00}. I requested that they be {$2000.00} or less. And could they lower the principal loan amount, as the home has dropped in value. They had recorded with the XXXX County Recorder, a default of loan. So they can start foreclosure at any time. I 'd gone through this with Aurora 5 years ago ... .and they lowered my payment. But when it was sold to Nationstar ... ..it immediately went up. My new business is doing well ... ..and profits are up. I 've attached my XXXX most recent bank statements ( personal and business ). 
Thanks, for you help. 
XXXX