23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX received a call from the Cash store manager my pymt was due. I paid via Debit card on the phone. The payment of {$230.00} didn't process because of an error on the store computer. The manager asked for the card # a second time and I suggested since the first one didn't go thru take out {$260.00} because I always pay more than the amt due. On XXXX I checked my bank acct on line and two payments were pending, so I called The Cash Store and informed the Manager of the mistake. She called the regional manager and informed me when the transactions POST to bring in the transaction history/stmt.. The payments posted on XXXX and I took the copy from my bank showing the name of the bank and the last four digits of the bank acct to their store. I was told if I brought that info in I would be reimbursed in cash @ the store and could put the money back in my acct. The employee faxed or emailed the copy to the Regional Manager on Saturday who works out of her home and I was told to check back Monday XXXX. This morning when I called the employee said the regional manager hadn't gotten back to her. 
It is now after XXXX XXXX CST and every time I call-still waiting for the Regional manager. These two amts were over {$200.00} each and I have other bills pending I need to pay for this month. I never received a RECEIPT via emailed as requested by me. I only have one payment left on the contract and it is due in XXXX. I can not afford for them to keep the extra money this month. I AM NEVER LATE AND PAY MORE THAN THE AMT DUE. I AM A GOOD CUSTOMER and should not be treated like a second -class citizen. If they are going to reverse the payment of XXXX, they should let me know something or if I get the cash I can put it back in the acct myself. I THINK WHAT THEY DID TO ME IS HEARTLESS AND CRUEL! I will eat bread and water before I do business with them again. I am a retired XXXX Citizen on a fixed income and they are ignoring me. 

Thanks, XXXX
Product: Mortgage

I have my Mortgage with PHH Mortgage, I escrow my insurance and taxes. I noticed in XXXX that they took out more for my taxes than the amount owed on the bill. I checked online with the county assessors office and my bill had not been paid. I have called PHH several times since XXXX and they refuse to let me speak to anyone in the escrow department. I called the county assessor again and they told me no payment has been made on my taxes. They finally made a payment of the correct amount of the first installment but not the second installment and there is now an interest charge added of {$190.00} and my escrow account is still missing the original payment of over $ XXXX have been given the runaround when I keep asking where my money is. When I ask to speak to someone in the United States they tell me know one is available and put me on hold and then disconnect me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy Here are the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1. Incorrect Name : The name listed on this account is incorrect. Under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. As this is a material error, I request the immediate correction of the name associated with this account to reflect the correct details. Please update this entry accordingly.

2. Multiple Charge-Off Entries : Additionally, I have noticed that the account has been reported as charged off multiple times, which is an error. Under FCRA 605 and FCRA 623, a charge-off can only be reported once. The repeated reporting of charge-offs on this account is misleading and inaccurate.

As per FCRA 605, charge-offs are a one-time event and should only be listed once. The repeated reporting of charge-offs violates the guidelines set forth by the FCRA, as it misrepresents the status of the account.

I request that the multiple charge-off entries be corrected by ensuring that only one charge-off is reported for this account.

Request for Immediate Investigation : In accordance with 15 U.S. Code 1681i of the FCRA, I request a thorough investigation into both of these issues. Please provide proof from the creditor regarding the date and legitimacy of the charge-off ( s ) and ensure that the account is reported accurately, with the proper name and a single charge-off entry.

If the creditor can not substantiate the multiple charge-offs or correct the name, I request that the inaccurate entries be removed from my credit report. Please send me an updated copy of my credit report showing the corrections made as I requested XX/XX/year> Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute.
Product: Mortgage

Inexplicably, My Loan Care is stating two totally different dates for my forbearance ending, one on XX/XX/2021 in writing and another one on XX/XX/2021 on the website - which appears to be in error - as my loan care outrageously and falsely claims I owe 3 mortgage payments in XXXX of 2021. This glaring and outrageous error puts me in fear of wrongly losing my home.
Product: Payday loan, title loan, or personal loan

Over several day of applying for a personal loan, I got a phone call from a guy that said his name was XXXX from lending point. After a few hours of going thru everything he said I got approved for a XXXX loan. He contacted me and said he needed to verify my bank account. He kept me on the phone as this was going on. I got Leary if the way he was trying to verify the account so while on hold I searched the company name online. Everything seemed legit, the name, the reviews were ok, he even sent like a contract thing to me with the company logo and it matched the website. I gave permission to verify my account, he was depositing money in the account and I was to verify the amounts and send back which I did they Cashapp. While reviewing my account the same amount was deposited again. I called him and he stated that his college had sent the amount back to my account on accident so I returned it to him again thru XXXX. When I returned it he said to send it to a XXXX XXXX, which I did. After he said it was all verified he said he would have the paperwork done and money deposited in my account within the hour and we hung up the phone. I checked my account again after about a half hour and there had been XXXX more deposits of XXXX and XXXX of XXXX. I immediately contacted him and told him to stop everything that I was very uncomfortable if that kind of money going thru my account. He said it was a server error that they were working on and give him some time to get it fixed and that all that would be erased as if it was never there. While I was waiting on all that to clear up I decided to check the phone number he called me from against the phone number online to the lending point, they did not match so I called the number on line. A lady answered and I asked to speak to XXXX, she said I'm not sure if there is anyone here by that name and put me on hold. When she came back she asked what he was helping me with and I told her he was helping me with a loan that he was verifying my bank account and was to get back with me and I had not heard from him in over an hour or so at that point she told me that they would never ask for my bank account information at all so I knew then that I had been scammed I immediately got off the phone contacted my financial institution told them what was going on and then I contacted cash app and reported that money being transferred as a scam they are investigating as of right now and my financial institution had me change my online user ID and password and issued me another debit card. That was the last time that I heard from anybody I contacted the guy XXXX a few days ago and told him I wanted my money and he hung up on me all I have for him is a phone number and the false information that he gave me
Product: Credit reporting or other personal consumer reports

I requested that the company provide me with the original contract with my signature on it and I did not receive anything from the company, and I am a victim of identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, the consumer identifies as information that resulted from an alleged identity thief, not later than 4 business days after the date of receipt, It has been 30 days and you are in violation of the law because I am a victim of an identity thief, please delete item immediately. These account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2i Following the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. Elan Financial Services ONLY sent me a copy of the credit card agreement but I have NOT received contract with my SIGNATURE NAME ON IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On XX/XX/XXXX Nationstar approved the hurricane Irma Forbearance Plan beginning XX/XX/XXXX due to the damage of hurricane Irma that impacted our area. They sent me a letter approving the Forbearance 6 months which lowered my payments. I received the letter approve the Forbearance on XX/XX/XXXX and another approval letter on XX/XX/XXXX I received a phone call from Nationstar end of XX/XX/XXXX that I was no longer approved for the Forbearance and that I would have to send them a check {$16000.00} they said I missed a payment in XX/XX/XXXX they had approved the payment to be put on the back of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my address incorrectly reported. I have tried to get it fixed but they aren't listening. XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX is incorrect. I live at XXXX XXXX XXXX XXXX MA XXXX. This is a XXXX in a XXXX ( XXXX XXXX XXXXXXXX ).
Product: Credit reporting or other personal consumer reports

Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) .This account was opened from XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is not in XXXX. I should have active payment history from XX/XX/XXXX to XX/XX/XXXX. Equifax reported from XX/XX/XXXX to XX/XX/XXXX. It again reported another conflicting date of last payment of XX/XX/XXXX. This is inaccurate payment history reporting. The investigation result avoided addressing the issue I raised. This inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the Account name : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed some fraudulent inquiries on my report that I did not authorize. Please remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

These debt collectors keep calling me day and night, and stepping to relatives doors threatening them. Uses old addresses pressure people to find me intended to collect a charge off debt.
Product: Credit card

I made a payment of {$320.00} on the XXXX of XX/XX/year> and it came out on the XXXX, they double charged my account totaling {$640.00}. I called today the XXXX and they made it sound like it was my fault. They said they would investigate, but it would take 3-5 buisness days to resolve the issue.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint agains Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act, 15 USC and 1681i which mandates a reasonable investigation of disputes. Equifax actions may also contravene the consumer financial protection act 12 USC and 5536 ( a ) ( 1 ) ( a ) - ( b ). I request that the CFPB TAKE AFTION to ensure Equifax complied with the federal law and provides consumers with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been released to the public. My Social Security number, birth date, and addresses were included. I am not sure yet if my credit card numbers or driver license have been affected.
Product: Vehicle loan or lease

Hello I am filing a complaint because the car I purchased was totaled in a car wreck and my insurance refused to pay it off after they totaled. I can not drive the car at all I told the lender what happened they still trying to make pay a car that I can not drive after a drunk driver hit my son and they do it the lender and the insurance company I was played twice with this insurance company. A young lady hit me the first time and the insurance did not pay for it and she was going the wrong way but I can not afford to pay the lender holder about this car? Trying to figure it out how can get another vehicle but keep getting denied because I have and open loan with this lender and bern trying to get some help trying to get a lawyer no one will help me they keep saying I should have ask for uninsured motor something they was never offer to me because I had full coverage on the car. I got a chance to pay one car not but after the accident they told me not to pay another note because the car was totaled
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit planas as late for any purpose.
Product: Debt collection

Dear I.Q. Data International, Inc. : We communicated the CFPB Case Number : XXXX ; I.Q. Data Internatl Reference : XXXX already but given : -- your response to the Case dated XX/XX/XXXX and signed by XXXX XXXX Quality Control Assistant, I.Q. Data International, Inc. 
-- your letter from XX/XX/XXXX signed by the " Account Representative '' ( attached ) -- my email response to your letter dated XX/XX/XXXX from : XXXX XXXX <XXXX ( at ) XXXX ( dot ) com> to : XXXX date : XX/XX/XXXX, XXXX XXXX I urge you to immediately remove the negative report to the Credit Agency given : a ) you did, even if unintentionally given your client 's practice, violated my rights granted by the Fair Debt Collection Practices Act by not providing me with the debt validation letter, or any sort of communication, on time b ) you notified me that your " delinquency '' report to Credit Report ( s ) will be put in the " disputed '' status which is also wrong because c ) you have finally sent me an opportunity to require " debt validation '' in your letter dated XX/XX/XXXX which gives me ( us ) 30 days to resolve this issue. 

Hence, you could NOT HAVE reported me to the credit report, and my account with the alleged debt for we have until XX/XX/XXXX to settle and resolve this issue.
Product: Checking or savings account

On XX/XX/2018 someone went into a branch and took {$2000.00} from my checking account. My wallet has been stolen and they did this to more than one of my accounts. 

This is devastating, I don't know what to do.
Product: Debt collection

Credence Resource management has not provided me with any validation to verify how or when this alleged debt was acquired, i have sent them a written notice by USPS certified mail and a follow-up letter as well. the have not done anything to resolve this matter. Based on consumer laws i've researched i now KNOW i have a right to privacy. This company has acquired my personal information without my consent and put a large debt on me. to my knowledge i have no contract with this company or the original creditor, so i am confused as to why they are damaging my credit, even when i tried to be the person to find solutions its been nothing but confusion and injustice. i am aware of my rights as a consumer and this company is in serious violation. the account is as follows on my credit report. 
CREDENCE RESOURCE MANAGEMENT ACCT # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TO : ALL CREDIT REPORTING AGENCIES RE : Request for Removal of Charge-off and Collections from Credit Report Dear Whomever this may concern, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report, which I believe is not in compliance with the Metro 2 format.

I recently reviewed my credit report and noticed that a debt that has been discharged and for which a 1099-c has been filed with the IRS is still being reported as a charge-off and/or in collections. This debt, in fact, should not be reported in such a manner, as it has been legally discharged and no longer exists. It is my understanding that this incorrect reporting is not in line with the Metro 2 compliance guidelines. 

The account in question is XXXX XXXX XXXX XXXX XXXX. The discharge of this debt was officially granted on XX/XX/year> and the XXXX was filed with the IRS on XX/XX/year>. I kindly request that you investigate this matter and, if my claim is found to be accurate, remove this charge-off and/or collections from my credit report. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT REPORTS, I WILL INVOLVE TAX ADVOCACY SERVICES WITH THE IRS FOR ALL PARTIES REPORTING THIS ACCOUNT NEGATIVELY.

The continued reporting of this discharged debt is negatively impacting my credit score and could potentially lead to unwarranted financial complications for me in the future. I am confident that you understand the importance of accurate credit reporting and will take immediate action to rectify this situation. 

I am enclosing copies of the discharge and the XXXX for your reference. Please let me know if you require any additional information to expedite the process. 

I look forward to your prompt attention to this matter. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Discharge/Copy of XXXX
Product: Prepaid card

Hello. My sister received a Prepaid Visa Debit card for {$200.00} last Summer. The issuer was XXXX and it was purchased at a Kroger store. I live in a different state and when I went to visit my sister we tried to use the card in a restaurant and it was rejected and denied. Many, many calls to XXXX  and faxes to them with my sister 's driver 's license and picture of the card went unanswered and unresolved. 

I promised to help my sister get her money. Unfortunately, she passed away in XXXX of 2023 and I have the card now. She was living on a very limited budget and this money was important to her and she never got to use it. My sister did not have an estate. There was no probate necessary because her net worth was quite small. 

I have all the documentation that we sent to Prepaidgiftbalance.com. Another call to them produced a demand for the death certificate and my identification and proof of my status as an heir. I have all of this documentation but hesitate to send it to this company. I don't trust them. They have lied to us repeatedly. Please help us get my sister 's money. Thank you.