23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I had went to a pet store to purchase a puppy. The puppy was more expensive than I thought but they said I could apply for a loan. I did and was approved for XXXX dollars. I signed the contract knowing the fees and everything no worries because I was going to do an early buyout in four months. I made my monthly payments but it was always a struggle. I was charged late fees when I was on automatic payments and my bank said they never tried to charge me, I had a random charge from them and they couldnt tell me what for, etc. in XXXX or XXXX I asked for the amount of my early buyout and was told it was over 2000 when I got an email saying it was going to be XXXX when I signed my contract. The company Monterey financial handles all the finance of my contract even though I signed with XXXX XXXX XXXX. When I heard that I got off the phone and contacted XXXX XXXX XXXX  and they told me Monterey financial was in charge of the financial part of my contract. Since then I have stopped making payments and have been doing research of my own on this company and they do this all the time. When I contacted them to do my early buyout again they let me know that I was only supposed to pay XXXX in XXXX that they gave me the wrong amount twice on accident but since I havent made any payments that I now owe XXXX. I told them that it wasnt an accident when they told me on two different day, by two different representatives and that I would give them the amount I owed in XXXX but I will not give them amount now since they lied to me with the intention to scam a XXXX year old out of a extra XXXX. They threatened me with reporting me to collection and reporting me to the credit unions. They refuse to work with me or answer any questions through email because they dont want me to have any proof. When I called they immediately said we need XXXX now when I asked what it was for they couldnt answer, when I asked why I was given a false amount they couldnt answer.
Product: Debt collection

I enrolled in a XXXX XXXX XXXX. I paid a partial payment in XXXX because the XXXX company made a partial payment in XXXX to ensure the full payment for XXXX was met. A proposal for the Conn 's to accept the proposal has been over 45 days and I am still receiving emails, phone calls, and texts about the account being late. I reached out to the XXXX company and was notified that Conn 's had not accepted the proposal. Maybe this due to the closing of the business but I am reaching out for assistance to get the company to accept the plan and to waive all fees charged for within the past 45 days.
Product: Debt collection

My complaint to XXXX XXXX XXXX XXXX website not answered. They call 5 times a day, & I tell them the same thing : payment will be brought fully current the next time I get paid on XX/XX/XXXX. They say ok, but then they call again & again, 5+ times a day for 2 more weeks because they cant stop the robocalls.
Product: Student loan

I TOOK THE LOAN OUT WITH XXXX XXXX WHO THEN PASSED THE LOAN OVER TO XXXX WHO NOW HAS PASSED IT OVER TO MOHELA. XXXX HAS BEEN BANNED FROM SERVICING FEDERAL STUDENT LOANS FOR FRAUD. MOHELA HAS CONTACTED ME SAYING THEY INTEND TO RAISE MY REPAYMENT RATE 3 TIMES WHAT IT WAS. I BORROWED LESS THAN $ XXXX, HAVE PAID BACK OVER $ XXXX AND THEY NOW SAY I OWE OVER $ XXXX. I AM XXXX XXXX XXXX AND HAVE PAID ON THIS LOAN FOR OVER 20 YEARS. DURING THE PERIOD I'VE BEEN BURDENED BY THIS FRAUDULENT LOAN, XXXX AT NO TIME DISCUSSED WITH ME AN INCOME BASED PROGRAM THAT MIGHT HAVE HELPED ME TO UNDERSTAND A BETTER WAY TO PAY THIS LOAN. THEY SIMPLY CONTINUED TO TAKE MY MONEY AND APPLY IT TO AND APPLY IT TO " INTEREST '' RATHER THAN PRINCIPAL. AS A RESULT, I'VE BEEN PAYING ON THIS LOAN FOR 20 YEARS AND OWE 30 % MORE THAN I ORIGINALLY BORROWED. I NEED HELP RESOLVING THIS. MOHELA IS SIMPLY TRYING TO CONTINUE THE FRAUD THAT XXXX IS UNDER INDICTMENT FOR. THIS IS XXXX ABUSE AND FRAUD. I'VE ATTACHED TWO FILES PERTAINING TO THE LAWSUIT AGAINST XXXX.
Product: Debt collection

SouthWest Mediation services Called to me 3 times on XX/XX/XXXX. After the first phone call I thought it was fishy I terminated the call she called me back and said I have one more change before legal action proceeds as well as on the previous call they said their job was to get accounts paid before civil action takes place. She stated they aren't a debt collector though. She also said that she would send me Validation of Debt when I refused the rest and she said they do not provide it, then they said they do. They read me my personal information such as my social and DOB. Which is a GLB violation. They said I hadn't paid since XXXX and threatened civil action if I did not respond or pay it in a timely fashion. There are clear UDAAP FDCPA and GLB violations here in my opinion.
Product: Debt collection

Columbia Debt Recovery Subject : Urgent Dispute Fraudulent Accounts & Unauthorized Charges To Whom It May Concern, I am writing to formally dispute the fraudulent accounts associated with XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, which were fraudulently opened using my Social Security number and name without my consent. Not only are these accounts fraudulent, but I have also noticed that Columbia Debt Recovery is unlawfully adding interest to this debt, which is both inappropriate and unauthorized. 

Let me be clear : I will not be paying off anyones debt, nor will I pay a debt that does not legally belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to attempt to collect a debt that is not owed by the consumer, as well as to add unauthorized interest or fees. Since these accounts were fraudulently opened, I demand that Columbia Debt Recovery immediately remove them from my credit report and cease any collection efforts. 

If this matter is not resolved promptly, I will continue to escalate my dispute with the Consumer Financial Protection Bureau ( CFPB ) and pursue all legal remedies necessary to protect my rights. I expect written confirmation that these fraudulent accounts have been permanently deleted from my credit file. 

I demand an urgent resolution and will not tolerate any further violations of my consumer rights. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( 15 U.S. Code 1666b ). After reviewing my credit report, I have found that certain late payment entries are either inaccurate or unverifiable. I request a thorough investigation into these entries and their removal if they are found to be incorrect or can not be verified. The account ( XXXX ) in question is/are as follows : Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX. Date of XXXX XXXX : XX/XX/year>. Under 15 U.S. Code 1666b, creditors are required to promptly credit payments to the consumers account on the date they are received or earlier if applicable. If the creditor failed to properly apply my payments or reported erroneous late payments, this constitutes a violation of federal law. Therefore, I kindly ask that you investigate these entries, as they may reflect incorrect information or improper billing practices. Additionally, in accordance with 15 U.S. Code 1681i of the Fair Credit Reporting Act, I request that your agency ensure the reported information is accurate, complete, and verifiable. If it is not, I ask that it be promptly removed from my credit report. Failure to correct inaccurate information within the legally mandated time frame could further violate my rights as a consumer under these federal statutes. Please provide written confirmation of any changes made and send me an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter, and I look forward to your response within the XXXX timeframe required by the FCRA.
Product: Checking or savings account

JPMorgan Chase XXXX, XXXX - I am a victim of financial fraud on my checking account in the amount of {$7600.00} and my sons college checking account attached to mine in the amount of {$21000.00}. An agent posing as a Chase representative fraudulently wired these funds out of my accounts. This began on XX/XX/2023. I visited XXXX separate branches over the course of the week of XXXX XXXX. Each time asking for help with this, asking for the bankers to identify this representative as I had their name and employee ID number telling the banker this person contacted me saying he was a fraud department representative trying to prevent these wire transfers. All branch employees looked up the mans name and couldnt find him, told me that the ID number he gave me wasnt right but never thought to call the fraud department on my behalf. It took until my Friday visit to a branch for the banker who sat with me to tell me that at my first visit that banker should have closed my accounts. Even he still didnt question what I was telling him nor did he contact fraud on my behalf even though he could see the transfers. I am a victim of both the fraudster and Chase bank. I have attached the police report with complete information on the details. Please help me as Chase is not advocating for me.
Product: Credit reporting

XXXX XXXX sent me notice that they would remove an inaccurate account from my report and Equifax has refused to update and remove the information.
Product: Debt collection

I got a notice on my credit report that I owe money due to medical payment. 
Not my bill Wrong person
Product: Money transfer, virtual currency, or money service

In XXXX my bank account was hacked and two {$250.00} were transferred to cash app. When I contacted my bank, they said they were holding me accountable for the fraudulent charges. When I asked why, they said that they contacted cash app and they said I had an account with them and I was the one to send the money to my cash app, which I did not. Why would I send money from my bank account to cash app? I would use cash app to send money to a person but never to cash app. I submitted a complaint to Better Business Bureau and they never responded. I also tried to contact them directly and they never responded. I checked my account and they closed it without my knowledge, consent, or a reason why. This alleged transaction cash app said I did, occurred the same day and time that my account was hacked for nearly {$500.00}. Cash app caught the transaction and returned the money.They have also added charges on to my account that I never completed. I also contacted Georgia General Attorney 's office to file a complaint and they transferred my claim to the Department of Banking and Finance.
Product: Debt collection

My wife and I have not always been stellar with our finances but weve continued to become better with money. We have made payments on our debts even in this COVID-19 situation the best we can. We recently got a letter in the mail regarding an outstanding debt with Synchrony Bank from a collection service. We had been making payments from XXXX to XXXX. We used to card only one time to pay for some car repairs that were needed. Never again. Some of those payment we made were never reflected on our account and we then made a payment of {$600.00} in XX/XX/XXXX, which should have almost paid off the debt. We never heard anything else and thought it was taken of. Not until this year ( XX/XX/XXXX ) did we hear anything else after submitting a dispute later in XXXX. Now they are submitting info to a collection agency causing a drop in our credit after no comms. for nearly 2 years. We need this rectified and I will NEVER use Synchrony or any other 2nd hand credit company again. Thank you for your time and careful consideration on this matter. 

Sincerely, B, R.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to correct this numerous of times XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX  Equifax XXXX And XXXX said that my disputes for verified and 100 % accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights has been violated and I demand that these accounts be remove immediately its been over 3 months with no evidence of the procedure of this investigation
Product: Checking or savings account

XX/XX/XXXX I had an amount of XXXX come out of my account ( XXXX XXXX XXXX, CA ). I received a fraud call from Ally Bank and I disputed it with Ally Bank and they sent me a new card. I never authorized this to come out of my account. Ally Bank says it's XXXX, but there is nothing in XXXX that is connected to the Checking account AND there is no record on XXXX of that amount or that seller. Ally Bank is refusing to refund my amount of XXXX and blaming XXXX. This issue has been going on since XX/XX/XXXX. No one would talk to me at Ally Bank and say I had to wait for a letter. I just received a letter about the dispute and Ally Bank said they closed my dispute and I am stuck with missing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX /   2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.
Product: Debt collection

We received a letter stating we owed a debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC. I called the collections company, gave them all our business information and she proceeded to ask for payment. I told her I was disputing the charges and needed more information from her before we continued. I asked her what the debt was for and who gave her the information. She could not tell me who the company was, but did say it was for a check to was not honored by our bank. I asked again how her company got this information and she said " from them '' meaning XXXX XXXX But she couldn't tell me which XXXX XXXX XXXX clearly shows XXXX on the form ). She then said it looked like a payroll check. When she said that I asked her if I could call her back. I got off the phone with her and went online to my bank and verified that the check had indeed cleared. I also checked online with the better business bureau to see about this company and they have SEVERAL complaints about collections and them not being legit. So I called the company back to ask for a XXXX form to verify if the company was legit and she would not verify without me saying that I owed the debt. I told her we do not owe the debt that it cleared the bank, but I needed a XXXX form from her. She refused again and again asked for me to verify the debt. I told her unless she was able to verify her company 's legitimacy that I would have to terminate the call. She again stated she needed to verify the debt first so I told her I was hanging up and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Information PLEASE READ : This account ( Acct : XXXX ) ( {$330.00} ) has passed the statutes of limitations. According to the Fair Credit Reporting Act : [ The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ] The first reported delinquency was reported prior to XX/XX/XXXX, more than 7 years ago. Wells Fargo in their last response provided a letter stating that the account was CLOSED XX/XX/XXXX. This account was never re-established after being closed. I believe that this account was ERRONEOUSLY RE- AGED. I was told that there was one payment made in XX/XX/XXXX and another in XX/XX/XXXX. My records show no payments made during those years. ( even if payment had been made to the closed account, it would not have, according to law, re-established or properly re-aged the account ). For simplicity sake, I asked for verification of payments and was told that the records were not available due to age and the fact that this account belonged to a prior bank XXXX. 

I have had a very good and very long ( 20 year ) relationship with Wells Fargo and would like to amicably resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts are not accurate and I have caused great harm to my credit score. I have tried many times with the credit bureaus but they have failed to verify my accounts. I have provided documentation of court decisions on the validity of these accounts but they seem to ignore them. I did not have incorrect accounts deleted as per the FCRA.
Product: Debt collection

Please validate this debt, I have been trying to get in touch with you for over a year now but there seem to be no progress.
Product: Mortgage

In XXXX XXXX, we purchased the home located at XXXX XXXX XXXX, XXXX, MA XXXX for {$490000.00}. At the time, we were promised by the mortgage broker that we would refinance in 3 months-time and get us out of the $ XXXX/month payment. 
o The sub-prime mortgages from XXXX XXXX XXXX, XXXX consisted of XXXX mortgages : XXXX Mortgage of {$390000.00} XXXX Mortgage of {$98000.00} Our numerous attempts in contacting the mortgage broker who told us that we would finance after 3 months would go unanswered. Phone messages were not returned and his when attempting to see him in his office, he was never available. 
In XXXX XXXX XXXX purchased the loan from XXXX, XXXX. 

This is a complaint and I respectfully request that your office provide me with competent evidence that you had the legal right to this property. 

Please provide me the written assignment of mortgage that serves as legal proof of the transfer of the loan from XXXX to XXXX and that contains the following information : The name of the assignor The names of the borrowers The date of the mortgage The original amount of the mortgage The original mortgage recording information The property 's legal description Evidence showing that the assignment of mortgage was recorded in the county records when purchased from XXXX XX/XX/XXXX. 

Here is some information on XXXX : XXXX XXXX XXXX
Product: Checking or savings account

My CD matured on XX/XX/year>. Unfortunately I left for vacation that day and did not return until XX/XX/year>. Before I left I asked the bank not to rollover the CD. They said I would have to call after the XXXX and gave me a phone number. 
While on vacation in XXXX I called the bank. The phone number they gave me did not work. So I called the general voicemail at the XXXX XXXX XXXX XXXX branch and left XXXX messages asking them to call me. I also left a message at the XXXX branch. None of my calls were returned. 
Today I got a lettet telling me that my CD was rolled over at the negligible rate of 0.01 %. I tried calling the branch again. But no one answers the phones. Instead they put you in the same general voicemail that is either not monitored or ignored. 
I left another message. 
I also called the National number for Truist XXXX. The customer service person told me there would be a penalty if I closed the CD now. 
Truist unlike other Banks does not allow you to service your CD online. Apparently they don't answer phones or return calls. In the past when I have gone into the branch I have had to wait a long time to speak to someone.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Called BBVA customer service on XX/XX/2018 to ensure the payment I processed on their website was going to process. The CS Rep advised it was not scheduled, so I scheduled it again. She confirmed it was now ready to process. XX/XX/2018, 2 payments in the amount of {$5900.00} processed from my personal checking account. Called BBVA to get the money refunded, they don't make ACH back to outside accounts. I was told there is no supervisor on the floor. I call back the next person said he would transfer me to a supervisor. Supervisor advised 7 days to refund. No way to refund via ACH. Then he wouldn't let me speak to the next level of supervisor. The bank is in XXXX, which I didn't know. Their website is difficult to follow and they have horrible customer service.