23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We have been contacting the debt collector BYL services for a week trying to pay off a debt. They are mishandling our payments. They asked for card information then said there was a system error. Then they took our bank account information and said it will process in 10 minutes we called 2 hours later then they said well it did n't go through so we need your card information again. This is very frustrating because we are actually trying to pay off debt and move into our apartment but we are depending on this collection company who keeps giving us misleading information.
Product: Checking or savings account

XX/XX/XXXX-opened a " checking '' account with XXXX XXXX it is advertised as a checking account XX/XX/XXXX-fund account 1200.00 - my merchant banking deposits from processing my business credit card is connected to this account.

XX/XX/XXXX-i contact XXXX XXXX to ask where my debit card for my account is they say it would arrive within the next couple days XX/XX/XXXX-still no card and im now being told that it will be another 14-18 days for it to arrive ive also been told that this account is not a checking account as it was advertised online i can not order checks to this account. it is just a debit card. that is not what i signed up for or agreed to " free checking '' because of app problems i can not link another external account to withdraw my money. i have also contact XXXX XXXX XXXX who actually holds the account and the phone just rings and rings.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent account has been identified as a result of this breach : XXXX  XXXX BANKRUPTCY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, when I bought a home and moved from XXXX apartment before a week to expire the lease but paid fully, I and my family cleaned the apartment very nicely. She had to return the security deposit of {$890.00}, all or some. Instead, she sent me a bill of {$2000.00} and she said that she has paid that to clean my apartment and that {$1100.00} is left over after deducting the security deposit of {$890.00} as per her. We had left the apartment in clean conditions and she did not spend any money to further clean. I asked her to show me the formal proof of payment or proof of expenditure to clean the apartment, she was not able to show any evidence of payment made to clean the apartment. And there was nothing mention in the lease about the post clean of apartment if it was made too. She was simply taking advantage of simplicity of me and my family to make us pay. I told her, " Regardless of nothing mention in the lease about the post clean of apartment, I will pay if you have a proof of payment made to clean the apartment ''. She had no any bill or any thing. Here she is not honest. She is simply trying to make me pay.
Product: Credit reporting or other personal consumer reports

I sent certified mail letters, I called on serveral times and was hung up on. I was told since I had nothing reporting they put a old account back on my report and made up a method of payment. Deprived me of obtain credit, caused emotional distress. Experian has : 1. Failing to disclose the true cost of credit as per federal regulations. 
2. Misrepresenting interest rates or fees associated with credit transactions. 
3. Any other actions that violate TILA and its corresponding sections of the U.S. Code. 

Failure to comply will leave me no option but to take further legal action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation for damages as permitted under **15 U.S. Code 1640**.
Product: Checking or savings account

Capital one is Withholding my deposit and i have bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are.

I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15U.S.C.Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts XXXX XXXX XXXX : Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report XXXX XXXX XXXX XXXX : Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXXXXXX XXXX  XXXX Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX : Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXxx XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. 
Could you please send it to me Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Debt collection

A letter dated XX/XX/21 was sent to my parents house by XXXX XXXX XXXX stating that I owe {$230000.00} in XXXX student loans to a company named XXXX. I have never taken out a student loan, nor have I ever worked with XXXX. I do not owe on any student loans.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureau credit report, I noticed some late payments posted on my credit report XXXX XXXX XXXX Account number XXXX Your company is in clear violation of the law under 15 USC 1681 b - permissible purpose of consumer reports, THE LAW CLEARLY STATES IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates to. Did I give written instructions to finish this on my credit report? Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). ( 2 ) Exclusions except as provided in paragraph ( 3 ) The term consumer report does not include ( a ) subject to section 1681s-3 of this title, ( I ) any report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report this agency is in violation of 15 USC1681n Failure to respond satisfactorily with deletion of the listed referenced account, and send out a copy of my report after the changes have been made will result in legal actions being taken against your company. 1. Defamation of character ( per-se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations for willful non compliance-616 civil liability for willful non compliance 15 USC 1681n 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit and I was never notified about any late payment. I credited the transaction with my credit card/social security card . The late payments are in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. And banks are dependent upon accurate information how can u guarantee accuracy when the reporting history and dates keep changing on this account and all 3 of my credit reports are reporting different information. And they also reported it late while I was disputing a late payment on my account already. I have zero confidence that my personal information is safe and secure with this reporting agency and my information is being reported incorrectly. 

Also how can I be paid on time in XXXX then they turn around and turn that paid on time to a 30 day late payment. Also a month before paid then my account jumps to 60 days late. that is impossible so Equifax has listed that my payment is 60 days late in XXXX and I was not late in XXXX, Equifax and XXXX is not reporting accurate information and is in violation of consumer rights and I would like to seek damages for defamation of character.
Product: Vehicle loan or lease

I paid of my car loan to Eastern Bank in XXXX on XX/XX/XXXX and i have not received my car title. I follow up with Eastern Bank on XX/XX/XXXX to see where it was. they stated they sent the release to the XXXX on XX/XX/XXXX and that it was no longer their problem. I still do not have my title and eastern bank is unwilling to help with this matter.
Product: Credit reporting or other personal consumer reports

I have asked on several occasions for validation of debt from this company. I have checked my report and according to XXXX report this account was opened XX/XX/XXXX but has XXXX on account as opened. Can you please send documentation of me opening an account with this company one XX/XX/year>. I have sent a second letter to XXXX and Spring Oak Capital. This company informed me that i owe them {$540.00} for a company named XXXX XXXX  who is not on my credit report. I have NO idea who this company is. I have asked on several occasion to send a copy of a contract or my signature where this debt is owed by me and NO one could furnish me this information. I have checked the cards i have and none is with this company. I can't not just pay a bill because a company tells me I owe them. Please validate this debt. XXXX has verified this debt 2 times but have yet to send me a validation of this debt. I am now in a position to take legal matter because this debt is affecting my ability to obtain credit or complete my home purchase. The only answers im getting is debt verified without documentation or verification of contract with this company. i have enclosed the letter for both XXXX and Spring Oak Capital. Upon the completion of this investigation, i will have no choice but to report to the AG office and get public publicity to help with this matter at hand. Im currently in the process of formulating a video for social media to reach out to any attorney to help with this matter because its getting ridiculous that they can even send out verification of how the debt is owed by me or any contract signed by me validating. I must take the company 's word that i owe them and just pay them. This is not how things work. I owe a debt, you provide the contract or my signature on paperwork that i owe you and its validated. Anyone can say you owe them but is it accurate? Should you just trust that you owe the debt? Why pay a debt you are not sure of?
Product: Mortgage

I applied for a loan modification with Land Home Financial Services and I also applied for the XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ). I received a modification agreement for a partial claim mortgage/deed of trust for {$38000.00} with instructions dated XX/XX/2023. The instructions stated I had thirty ( 30 ) from the date on the letter to accept, sign and return the partial claim mortgage/deed. Which is XX/XX/2023. I received a call from XXXX at Land Home Financial Services, telephone number ( XXXX ) XXXX on XX/XX/2023 at XXXX. He stated, " Hi XXXX this is XXXX from Land Home Financial Services. Did you sign and return those loan papers you received? We need those papers signed and returned immediately. " I felt pressured to sign and return the papers or fear losing my house. So I complied and signed, returned the documents as XXXX requested. 

I had a appointment on XX/XX/2023 with a HUD counselor at XXXX XXXX XXXX to review the documents before returning them to Land Home Financial Services. XXXX approved my application and ACP Land Home Financial Services around {$53000.00} on XX/XX/2023 to pay my delinquent balance and some future payments. I called Land Home Financial Services on XX/XX/2023 at XXXX and informed them I would like to cancel/rescind the contract I signed and accept XXXX  offer. I explained I submitted the documents early because XXXX called andI felt pressured. I was informed by Land Home Financial Services that they have to talk to the underwriter. I was told to call them back in 48 hours and they would inform me what the underwriter said. 

I called Land Home Financial Services back on XX/XX/2023 at XXXX and was told I can't cancel or rescind the documents and the XXXX funds would be returned. I felt pressured to sign and return the documents before the due date.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CONTRACT CALLERS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

I received multiple phone calls from someone saying I will be at your door if you do not answer the phone in XXXX. 

After researching UHG I LLC, I found that a company named XXXX XXXX XXXX share the same mailing address. 

I discovered XXXX XXXX XXXX has numerous XXXX   complaints against alleging similar, if not the same exact tactics that were used toward me. 

I am under the impression that UHG I LLC ( United Holding Group ) contacted me in XXXX and violated the Fair Debt Collection Practices Act in the same manner. 

I have never done business with either of these companies and I have no debt with them. I believe the public should be made aware of their illegal communication tactics either past or present which is why I am filing this complaint.
Product: Credit card

I applied for a credit card through XXXX and was approved on XX/XX/2017. During this time I did n't receive my card after multiple times calling in reference to not receiving it I finally received it on XX/XX/2017 and I activated it. I had already been charged the Annual Fee of {$75.00} and a Express mail fee of {$35.00}, so I paid the {$110.00} and then they closed my card. I asked them to re-open it because they had obtained the {$110.00} and after 2 1/2 weeks of constantly being told that it would take 3 - 5 business days to re-open the account, I was told yesterday that I would need to pay an additional {$89.00} before they could re-open my account. This is inconceivable and seems to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows I disputed XXXXLVN Funding account. Never disputed this account, would like for it to be removed.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Upon checking my credit report, I found several accounts that appear to have been added fraudulently. I ask that they be blocked and removed immediately.
Product: Credit card or prepaid card

Capital One Bank sold my account to XXXX XXXX XXXX, which refused to provided documents to provide accounting details on these accounts. 
XXXX XXXX XXXX has reported these accounts to my credit report and is causing great financial losses. 

It has been beyond the 30 days required by state and federal law that requires both companies, Capital One or XXXX XXXX XXXX have been able to provide document on how they have calculated the amount owe or what amount they sold my accounts for.
Product: Student loan

In XXXX I consolidated my federal loan per new guidelines for PSLF ( public service loan forgiveness ). My main account was with Nelnet. A partial balance was then transferred to XXXX XXXX and then later the entire consolidation to XXXX. I have been trying to request refund on payments I made since XX/XX/XXXX under the CARES ACT. I have contacted all servicers- Nelnet, XXXX XXXX and XXXX. All servicers have stated they can not refund payments made before the consolidation since it was under a different servicer. I have continued to have the same response and have asked to get this escalated or file a complaint and no action has been taken. 
The payments I made from XXXX all end up going to the Department of Education which does not matter the servicer, therefore those amounts ( which are thousands of dollars ) should be refunded as during the Covid pandemic it was later decided that you could ask for refunds on payments made during this timeframe. Because now my loans are considered a new consolidation ( which was recommended I do to qualify for PSLF ) no servicer wants to handle my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a XXXX  of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.
Product: Credit card

Capital one still wants me to pay back cards I cant pay that are closed. I am XXXX and currently unemployed.
Product: Bank account or service

I was charged a {$34.00} service fee for non sufficient funds.. .however I have always received text informing me my balance is low and showing any pending transaction that would potentially put me in the negative, however I never received any notification prior to them posting an NFS charge. There is supposedly a grace period of XXXX Est to put funds into your account to cover any pending transaction. However on this NSF I received different information by XXXX different reps as to why I received the charge. One stating it was due to a pending transaction from ( XXXX ) that supposedly posted at XXXX, one minute prior to the time allotted to put funds into an account to cover any pending transactions. The other stated it was from a restaurant vendor that showed a different pending amount from the actual posting amount. I failed to get a SPECIFIC reason for the NSF as well as an explanation to why a text was n't received that my balance was at a - {$7.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I recently pulled my credit and notice AD Astra Recovery is reporting a balance of {$850.00}. I've sent four letters to this company asking to verify this debt. I have not received anything but a print out of a balance they claim I owe. I honestly don't believe this debt is mine! I do not know who this company is and they are affecting my credit score by contentiously reporting inaccurate information. 
Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.