23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I cosigned for a friend, XXXX XXXX, on his automobile which was a XXXX XXXX XXXX. The car dealership was called XXXX XXXX XXXX and it went out of business some time later. At the time, the car was worth {$3800.00}, and it was a lemon. XXXX was an abusive man and went to jail some time in the late XXXX and stayed in XXXX for 10 years. I was not working at this time because I had a young daughter with XXXX. She was born with XXXX XXXX. In XXXX, I began working at XXXX XXXX and as soon as I started working, an attorney contacted me requesting payment for the car. I have been paying {$120.00} a month for the last 12 years without missing a payment. And this debt has been sold from law office to office. Currently, it is XXXX XXXX XXXX that is contacting me for money. This last month, my granddaughter ( who is currently in a XXXX  hospital ) stole money out of my account. I tried calling XXXX XXXX XXXX two weeks ago to inform them that I would not be able to pay using my bank account, but I still paid today ( XX/XX/XXXX ) using a credit card at XXXX XXXX. Even though I still made my payment, they are contacting me and telling me that my account is under review and that are going to garnish my check. I am tired of being taken. I have payed over {$13000.00} and they are telling me that there is still {$12000.00} left to pay. I don't know what to do at this point, and any help would be greatly appreciated.
Product: Checking or savings account

I was XXXX during the fraudulent transactions. I submitted XXXX proof of incarceration multiple times and was still denied.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent the letter on this date and asked them to investigate my complaint with my credit report however I did not hear back from them. Its been going on for years they said back then they had a data breach and my credit report and asked me to send in my ID a bill with my name and address on it. Ive done so number is times over and over I even got a subscription with them a couple of times in my credit report was inaccurate and information I got a subscription with other credit reporting agencies. They told me something is going on with Equifax with your credit report. I told Equifax about this situation. They never resolved it at all it is XX/XX/XXXX. Nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the Metro 2 system and FCRA and they keep claiming for VERIFED and ACCURATE.

DAte opened, last reported, date last active all wrong and inconsistnet
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two notifications, via email -about this inquiry, I DO NOT know who or what this company is, Inquiry made on XXXX2017.  Never heard of this company!
Institution Information STATE FARM BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Debt collection

In XX/XX/XXXX Office of Personnel Management was hacked in which thousands of DoD employees information was stolen, I am one of those victims. I and my wife were both formally notified by the XXXX of the incident and given identity protection for two years. Beginning in midXXXX through now my wife and I have both been the victim of several credit theft with several attempts at withdrawing money from our savings account and attempting to open new credit cards through our bank, XXXX. Around XXXX XXXX I received a bill from XXXXXXXX XXXX XXXX claiming I open an account and now I owe them {$690.00}. I called their customer service several times and all they could tell me is I owe them money for an unknown purchase. I never requested a XXXX credit card ; I never received a XXXX credit card or monthly bill. 

XXXX is now harassing me with constant demand letters from debt collectors such as XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have responded to each demand letter and all that XXXX does is utilize a different collection agency. 

I'm also receiving debt demand letters for an induvial who I don't know and does not live at my address.
Product: Mortgage

This complaint is being field against Select Portfolio Servicing ( SPS ) negligence, misrepresentation and deception. This matter surrounds events and conversations which took place between the dates of XX/XX/XXXX until XX/XX/XXXX, with SPS agents and supervisors. 

We received two separate loan modification offers one stating that a payment was due in the amount of {$310.00}, by the date of XX/XX/XXXX. The second modification offer was requesting payment by XX/XX/XXXX. 

Payment was made in the amount of {$310.00}, on or about XX/XX/XXXX. According to the SPS, agent XXXX XXXX, XX/XX/XXXX, it was discussed that at the time this payment was posted to the account that particular offer had been cancelled by SPS. XXXX XXXX, then stated that our loan had been approved for modification .what is known as a Streamline offer from the Investor. Payments were to be made in the amount of {$310.00} due by XX/XX/XXXX. 

As a result, XX/XX/XXXX, Call was internally transferred to XXXX XXXX, XXXX XXXX advised that she was able to concur with all of the information that XXXX XXXX had previously provided. 

XXXX XXXX, then suggested that since there was an approval for the Streamline offer, which didnt require payment due until XX/XX/XXXX, a payment only be made in the amount of {$2.00}. She stated that SPS, would apply the suspense payment of {$310.00} with the {$2.00} and apply it as a whole payment toward the modification offer valid at that time. XXXX XXXX, went as far as placing the call on an extended hold in order to acquire supervisor XXXX XXXX. XXXX allegedly gave his approval of the payment terms, to be applied as one payment the XX/XX/XXXX. 

As a result of both the lack of guidance in SPS agents XXXX XXXX and supervisor XXXX XXXX, the terms of acceptance of the XX/XX/XXXX, loan modification offer have been cancelled. These errors and misconduct have placed our home in foreclosure as well as SPS have collected payments and misapplied payments inappropriately which are violations nine recent categories of requirements under the provisions added by the Dodd-Frank Act to the Truth in Lending Act ( TILA ), and, therefore, reside in TILAs implementing regulation, Regulation Z, 12 C.F.R. Part 1026 ( Reg. Z ). The remaining six arise from Dodd-Frank amendments to the Real Estate Settlement Procedures Act ( RESPA ) ; those six reside in RESPAs implementing regulation, Regulation X, 12 C.F.R. Part 1024 ( Reg. X ). [ 1 ] and the FDCPA 1692e : Debt collector false statements and misleading representations are prohibited. 
. 

SPS, is now demanding that we start this process all over and they have failed to apply modification payments accordingly. This is an error made by SPS and we demand that our payments be applied as according to the events that surround this complaint.
Product: Debt collection

In XXXX of XXXX I received a bill from XXXX in addressed to XXXX XXXX in the amount of {$1300.00}. I went directly to the XXXX store and they pulled up all my info and said the account was made online. I went right then and filed a stolen identity police report. I took report back to XXXX. In XXXX of XXXX I received a letter from Frost-Arnett Company say they were a debt collector and was attempting to collect a debt for XXXX. I sent them a letter with the police report attached. In XXXX of XXXX I received another letter saying I was still being held responsible for the XXXX bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$1400.00}
Product: Vehicle loan or lease

Bank of America holds my vehicle loan Account # XXXX. I pay them though my bank XXXX XXXX and notate on every payment additional principal. They are refusing to apply the additional funds and instead applying it to interest. I have called twice and they are now telling me I either have to call them every month or I have to sign up for a Bank of America checking account. This is in direct violation of my explicit indication to apply my additional monies to principal and must be illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX have requested my consumer file from EXPERIAN and EXPERIAN have failed to provide me with a copy of my consumer file.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/year>, I uploaded added cash ( total of {$420.00} ) to my cash app account XXXX XXXXXXXX. I was attempting to originally purchase XXXX however I continuously received an error message " We were unable to complete this transaction at this time. Please try again later. '' I attempted to purchase XXXX multiple times with no success. I then attempted to withdraw the money as it was evident I was not able to purchase XXXX. Once attempting to withdraw the funds I kept receiving an error message " This cash out failed. '' I immediately contacted support and from the beginning, no one could tell me what the issue was. I keep getting the runaround and they keep telling me this has to be referred to a special team/dept. Each time I asked what the problem is, or if they could tell me what needs to happen, no one could tell me? I called again today ( XX/XX/year> ) and a brand-new ticket has been opened and I was promised it would be escalated. They took my email address and said I would be getting an email. I have not received any type of email since originally escalated XX/XX/year>. I need a refund. That money was intended to pay urgent bills, and I can not afford to continue to wait and get the runaround with cashapp.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX XXXX XXXX XXXX  I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, Experian and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Product: Credit card or prepaid card

I filled a dispute on fraudulent charges made on my card on XX/XX/19 for {$2000.00} and within a few days Citi gave me a temporary credit as they investigated the charges. I was relived that Citi resolved the issue so quickly and quickly forgot about the whole thing until one day a Citi rep called me and asked me to send in my I.D . via their secure messaging system. So I did that and then quickly forgot about the whole ordeal for a while. A few weeks later I get a letter in the mail saying that " we need to speak to you or your chargebacks may be reversed ''. I thought that this must be a mistake because I had already sent in my ID and I haven't gotten any calls from Citi asking for more information. A few more weeks past and I login to my Citi app one day to find the horror that I owe a huge balance because the chargebacks have been reversed. I try to call Citi twice about this but they keep on telling me that their fraud department is closed. Im sick of wasting time trying to get through only to have to argue with reps over these fraudulent charges on my account
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged in to XXXX XXXX ' website on my XXXX to purchase an airline ticket for my daughter. When I submitted the purchase, I received a " transaction failed, try again '' notice. I waited a few minutes, and tried again, with the same result. I was watching some TV, so I just continued to wait a few minutes and attempt to purchase the ticket again, for a total of XXXX attempts. All XXXX reported " transaction failed '' messages. I finally went to my XXXX computer in my office and successfully purchased the ticket. When my credit card statement came, I had XXXX charges from XXXX XXXX. I contacted XXXX to let them know of the website errors and the XXXX erroneous charges, but was told that because the flights were non-refundable, they could only issue me a partial airline credit. That was unacceptable to me, because I never believed that I was purchasing more than XXXX ticket due to XXXX 's website errors. Also, I had to use my partial credit within 90 days, which has now passed. I would never fly XXXX XXXX again after the way they've handled this. 
I filed a dispute with Citibank, my credit card company. After several months of back and forth, document sharing, etc., Citibank informed me today that they are unable to require the merchant to issue credit to my account. So I have now paid 7 times for XXXX airline ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received an alert that my loan with XXXX XXXX XXXX is being reported 30 days past due in the amount of {$780.00}. Every time I log in to their website, I have received 0 notice of any past due amount, and have received no communications in writing or by phone of a past due amount. 

I attempted to log in to their website, but am locked out. I attempted to call them to get it unlocked, but they're only open M-F XXXX. 

I attempted to call them this morning, and they're having " system issues '' yet again. I can't access basic information about my account in the IVR, because any time it tries to pull up my account it locates 2 loans and then gives me an error message and hangs up on me. 

They've had " system issues '' and " website difficulties '' since they did an " upgrade '' to their services. This has resulted in a communication to accountholders with them from their company 's president, yet it's still not fixed. Their XXXX official response team just says " we're going through system changes/updates '' to any problem reported. 

There's virtually no way to contact this company if you have a servicing issue, and they've now violated FCRA.
Product: Debt collection

I had negative marks placed on all three credit bureaus from credit systems into for a debt they claim is from XXXX XXXX, a Texas electricity provider. I last lived in Texas in 2006. Any debt from that service would be XXXX XXXX XXXX and well past the statute of limitations and it is therefore illegal to claim it is new debt on my credit report. I disputed it and asked for written verification. They did not verify the debt but did claim it was newer debt. XXXX refused to remove it from my credit report. I have been materially damaged by their fraud in representing that this debt is mine and is new.
Product: Credit reporting or other personal consumer reports

This evening, I noticed unauthorized inquiries on my credit report, and Im unsure why they appeared. When I checked my report as usual, I was alarmed to see discrepancies that hadnt been there before. I attempted to refresh my browser, thinking it might be a technical error, but the unauthorized inquiries were still present. Because of this, Im asking for a detailed review of the documents Ive sent to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to remove my fraud alerts
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
I HAVE NOT GIVING SETF MY WRITING PERMISSION TO REPORT ANYTHING TO ANY THIRD PERSON, PARTY.I GAVE A OPPORTUNITY TO CEASE AND DESIST FROM SHARING MY PRIVATE INFORMATION & SETF IS REPORTING TRANSACTION THAT THEY SHOULD NOT BE, TAKE NOTICE OF 15USC 1681-A titles definition and rules of construction. paragraph 2 of this section, subsection ( A ) and ( I ) states that a transactions are not included in the consumer report.SETF action is injuring me and is affecting my ability to purchase with credit and it's disrupting my credit score and it's a violation to the fair credit reporting act
Product: Credit card or prepaid card

Synchrony Bank Bought PayPal Credit & Close my account for not using it. This knocked 75 POINTS off my 800+ Credit Score!!! Never once was I notified that if I DIDNT use the card in a certain amount of time that they would CLOSE My Account & RUIN My Credit!!! The company REFUSES to Reopen my ace & says that theres NOTHING that they can do about it. I want this blemish removed from my credit score.
Product: Mortgage

On XX/XX/XXXX I received my first notice that XXXX was transferring the servicing of my home mortgage to LOANCARE, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX, XXXX XXXX XXXX, VA XXXX, XXXX. My loan has always been paid on time and was current with next payment due XX/XX/2019. I called XXXX immediately to see what I needed to due as my loan was due on XX/XX/XXXX and I wanted to make sure it got paid. I was told to contact LOANCARE,  and that by law they could not penalize you for any late payment due to service transferring. I did and was sent to an automated message that stated that if your loan servicing was transferring on XX/XX/XXXX, you had to wait until XX/XX/XXXX-today-to access your account with LOANCARE to make any payments.I was able to access my account online, but my account is now marked " passed due '', that I am not allowed to make any payment from a bank account, and that I have to bring my mortgage current. I am not permitted to make any payment and this company forced my loan to be late by preventing any access whatsoever until it was past due. I tried to call at least 8 times today and continued to get an automated message that they are experiencing a high call volume. They are breaking the law from what is happening to me, have marked my loan as passed due, have notated it late and are preventing me from making any payment and are NOT answering their phone. I would like to know what my legal rights are, and who is going to intervene. I need support and these tactics must be totally illegal. Thank you.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 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 XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.