23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a personal loan with Discover Bank and the wife ( now deceased ) and I did a debt program through XXXX XXXX for consolidating and reducing our debt after I retired. The debt was settled on time and on schedule by the approval of the Court. The amount is showing up on a JUDGMENT OF LIEN ( XXXX ) AND DATED XX/XX/XXXX AND RECORDED XX/XX/XXXX, CASE # : XXXX. 

This agreed settlement was paid as agreed.Originally {$10.00}, XXXX and the agreed amount was {$5200.00}. The judgment was on Case number XXXX in XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX XXXX and on XXXX XXXX, XXXX XXXX  XXXX. 
The Case was switched from XXXX and XXXX to XXXX and XXXX, XXXX. midway through somehow, I don't know, as both worked on behalf of Discovery. I have the cancelled checks made out to XXXX XXXX XXXX - they cashed them. There seems to be a mix up that I was unaware of until applying to refinance my home to get some money to help my XXXX son get a home of his own. I was informed by XXXX that there is a lien on my property. The only LIEN number I was aware of is XXXX in association to the case number for Discover under XXXXXXXX XXXX XXXX  XXXX. The Case Number with them was XXXX. I have the canceled checks, letter from the court that the lien is released, so I'm mystified and upset that this was not taken care of. Divcover has assigned the amount to other debt collectors after it was paid off, and I have some of these to show they are either inept, crooked, or thieves? Take your pick. I need this resolved and consider it age harassment - they must think I forgot I paid them?????? The LIEN on the home for Discovery is XXXX, which is not what my Court Document gives - yet Discovery and the dollar amount is the same. They have repeatedly said this was taken care of and they would not be assigning further debt collectors, but why is the LIEN on my home not released? Further harasment, age abuse, or just inept business/legal teams that can't keep a case correctly? Your help is much appreciated. THANKS! Also important - They reported the full amount of the {$10000.00} figure on a 1099 to the IRS for LAST year, even though it was paid off for less than owed in years before - about half. I did try to contact them on this mis reporting my tax liability, both in the amount and the year. I never heard back from them on that either! So why are they doing these things? Total harassment in my opinion.
Product: Payday loan, title loan, or personal loan

Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was approved for a {$2000.00} loan, payable on the XXXX of every month in the amount of {$84.00}. Although I made a payment before the first due date the balance has not decreased much. In addition, I made payments prior to due date in the amount of {$90.00} per month. I have never seen the original loan document with scheduled payments, I tried to refinance the loan to get a lower interest rate but was denied a few months ago.
Product: Payday loan, title loan, or personal loan

I have recently had a name change and tried to update my information, however, none of the information matches what they have on file. I am totally XXXXXXXX XXXX Veteran with XXXX. I have tried to converse with them to understand my circumstances. They dont care or treat me with fair or dignity. I have to verify my self multiple times and be placed on long holds. All this is aggravating my XXXX symptoms. I feel as if I am not treated fair, with dignity, being discriminated against.
Product: Checking or savings account

I have been a Bank of America customer for over 10 years. One day they closed my 3 business accounts and all my credit cards with them. This happened on XX/XX/2020. There was about {$400000.00} in all the accounts. After they closed my accounts they put a freeze on my accounts. When I call they keep giving me the run around how it is in the back office and dont know anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has was paid in 2020. XXXX XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the CFPB lawsuit highlighting significant issues with platforms. Despite using Zelle numerous times and reporting discrepancies, my financial institution am zelle failed to investigate my claims adequately.they informed me that r recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Covey Financial to see why my mortagage was not being reported to any of the credit bureaus since XXXX. I have always been told that the mortgage was being reported, up until this day, XX/XX/XXXX is still has not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then XXXX reported to the credit bureaus that I was XXXX days overdue and my credit score dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation XXXXs loss mitigation team provided me. XXXXs XXXX client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting or other personal consumer reports

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Multiple repeating unauthorized inquiries that have failed to have been resolved. I NEVER GAVE PERMISSION FOR INQUIRES FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These inquiries are being ran without my consent ever few months and have not been removed from my account when asked
Product: Debt collection

I recently reviewed my credit report and noticed a collection made by southwest credit company.on XX/XX/23 I sent my first letter to the collection agency to validate the debt and to prove that I am indeed the party who is by contract obligated to pay off this debt. I also requested the following : 1. Agreement with your client that authorizes you to collect on this alleged debt.

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
I did not receive what I requested by southwest to ensure the validity of the debt. 
On XX/XX/23 I sent a second letter requesting for validation and not verification. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. I was mailed back a bill. Which is not competent evidence that I have any legal obligation to pay them the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from XXXX XXXX. due to health issues caused by their complex. I was told I would be let out of lease with documentation from my doctor. I provided it. Now they have placed an account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX / XXXX credit card via XXXX XXXX XXXX and they sold my account to XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX I sent payment to XXXX XXXX XXXX XXXX XXXX department to settle the account in full via check made out to them in exchange for the account to be considered settled and expunged from the credit bureaus. On XX/XX/XXXX XXXX XXXX XXXX/XXXX forwarded the check to XXXX XXXX and it was endorsed and cashed by XXXX XXXX. As part of the settlement agreement, the check had restrictive endorsement upon receiving payment the XXXX-XXXX  account should have been removed from my reports. Restrictive endorsements are legally binding contracts in the state of Texas where the check was cashed as well as the state of Georgia where I reside. On XX/XX/XXXX, I sent copies of the settled check to each of the credit bureaus ( Equifax, XXXX, and XXXX ) requesting the account be removed. On XX/XX/XXXX, upon reviewing my reports, I noticed that the account was still there. I called XXXX XXXX XXXX XXXX XXXX department and the customer service representative said she could not locate me in their system and to contact XXXX XXXX. I explained to the representative the situation and told her that XXXX XXXX is not reporting on my credit report but XXXX XXXX is and that the account should be removed. The representative informed me again to contact XXXX XXXX and contact the credit bureaus as well because there was nothing she could do as my account is no longer with them. I asked her to speak to a supervisor and she would not allow me to repeating that I 'm not in their system and that there is nothing they could do. I attempted to contact XXXX XXXX but could not get anyone on the phone. I then contacted each of the credit bureaus again to find out the status of the removal / dispute and they all reported that the account came back as " verified '' from the creditor. How would I be verified in a system that I 'm not in? The XXXX  representative in particular told me that this was done through an automated system where they sent it to the creditor and the creditor reported back to them yes the account is accurately being reported. Again, how could they say that when according to XXXX XXXX, I was not in their system? I do not believe proper verification was done by any of the credit bureaus.On XX/XX/XXXX, I was able to get in touch with XXXX XXXX at XXXX XXXX who said they did acknowledge the restrictive endorsement agreement and was forwarding the information over to their attorney who would get back with me on when this account would be updated and removed from my credit report. I followed up with her again on XX/XX/XXXX with no update except for that it was pending review. As of today I have not received a response from either XXXX XXXX or XXXX XXXX XXXX XXXX regarding this matter and it still remains on my credit reports.
Product: Credit card or prepaid card

When I saw my billing statement, I was startled! My payment due was XXXX/XXXX/2017. The statement said my payment was paid on XXXX/XXXX/2017. On XXXX/XXXX/17 a late fee of {$39.00} was assessed.
The payment due date fluctuates by a few days with this credit card. I originally had my payments set up on auto bill pay. When this happened before I called and spoke with them to see why my payment had tripled. I was told that I needed to set my account up with auto pay through their auto billing. They mailed me the paperwork to fill out and I sent it back so that my payments would come out automatically. Once again I was charged a late fee and my payment went up.
Product: Payday loan, title loan, or personal loan

Got loan from fortiva for purchase of XXXX XXXX XXXX. Purchased in XX/XX/XXXX XXXX functioned well until I moved. Moved to new address XXXXXXXX XXXXHad XXXX reinstalled end of year XXXX at new address .The beginning of XX/XX/XXXX my family and I noticed personal property missing, yet we got no alerts of doors being opened. This has continued until now someone entering my home stealing. I usually shred my receipts when I purchased things. I called XXXX many many times my property was being stolen XXXX wasnt getting alerts. So the last timeI shopped I took pictures of what I purchased also took pictures of receipts and sent them to my daughter. Couple days later went out to run errands, returned home to find half of my things missing that I just purchased. Since I had proof of my purchase I was XXXX to file a police report, also my daughter was a witness. I reported to XXXX the burglary and the police report. I wanted the equipment checked it was being breached somehow. They want to charge me, No I will not pay this has been going on for 10 months. I called so many times, and they wont replace XXXX
Product: Student loan

I have been trying to get the loans from XXXX college discharged due to the school being closed. I filed a complaint with the Department of Education for the federal loans obtained from this school and it is still being processed. The school closed on XX/XX/2015. I have spoken to Navient on at least two separate occasions approximately four to five months ago about the loans from this school being a financial hardship and the degree is invalid, as I have attempted to transfer credits prior to the closure of the school and was unsuccessful on multiple attempts.Due to the fact that the degree is not valid and the transcripts are not valid also due the closure of the school, I am asking that you please consider why the debt for these loans should have to repaid since they are useless. Education should offer a return on your investment and in this case it has failed miserably to do so. People further their education in order to gain some use out of it, usually  employment or some type of advancement in their career and it is sad when all it does is accumulate debt for the individual.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXXXXXX XXXX XXXX XXXX located in XXXXXXXX XXXX and XXXX located in XXXXXXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Money transfer, virtual currency, or money service

I have had my CASH APP account since XX/XX/2020. 
I use it often for my business to send funds to vendors, family, friends, and to use the XXXX XXXX for online purchases. 

On XX/XX/XXXX I accessed my account to find a message stating my account was closed because of " gambling or other activity. '' I have messaged support for 14 days through the customer service chat. There is no phone number available and each time I am told through chat that I will get assistance through email. Nothing ever comes so I reach out again only to have the same process repeated. 

I have NEVER gambled online or used my account to do so. I did not partake in any sort of illegal or fraudulent activity. None of the recent transactions were out of the norm from my typical transactions. There is no reason at all that my account should have been closed. 

I have been left with no options to seek help, and no ability to use the account my business has advertised as a method of payment we accept. 

I appreciate the help in advance.
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 USA XXXX XXXX, XXXX XXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri 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 an account without my written instructions
Product: Credit card

American express corporate card number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have raised XXXX disputes XXXX XXXX & XXXX ) with Amex for transactions XXXX XXXX XXXX XXXX XXXX for {$910.00} dated XXXX XXXX transaction wherein deposit amount of {$370.00} was not adjusted. 

Send Amex documented proof 3 times on email XXXX and ( XXXX and confirmed with customer care team multiple time. Final confirmation on XXXX XX/XX/year> Follow up customer care service team at least for 6 times over phone and escalated twice within Amex Amex opened multiple dispute IDs and close them finally stating that they have not received documents Customer service team does not have visibility on backend dispute processing team and helpless to provide any concrete solution Backend team does not speak to customer to understand real issue and close the disputes There is no formal escalation path for customer. Only rely on customer service executive does not help solving the issue
Product: Credit card

I realized I was a few days late on my monthly payment and when I logged in to the portal they are forcing me to pay the full amount vs my minimum payment. I have attached a screen shot of the notification I get saying that I wont be able to until they generate a statement, which will then put me further behind and will effect my credit. I do not have the ability to fully pay off the balance and they have already charged a late payment fee. This is extortion in its fines form.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX both accounts open opened XX/XX/2017 balance XXXX and XXXX This accounts is no longer open the balance has been satisfied and brought to XXXX TransUnion has not been reporting information on my account accurately and completely I have contacted the original creditor and they verified my account is closed and paid in full XXXX and XXXX has reported the correct information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the following credit bureaus are reporting erroneous information in regard to my credit report : XXXX XXXX  Equifax XXXX XXXX XXXX, XXXX, is showing up on all the major credit reporting agencies as a judgment, when this debt has been paid in full, please see attached documents submitted. 

XXXX XXXX - is still on my report as a collection, when this was submitted to the bureaus as fraud. I disputed this on every major credit reporting agency, however they refuse to take this off the report. 

To my understanding it is being reported as closed, so this should not be reporting on my report. 

XXXX XXXX - is still on my report as a collection, as a Payday loan, I reported this as fraud also with all of the major reporting bureaus however they refuse to remove this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account NumbeXXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX during COVID-19.