23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX XXXX I learned XXXX XXXX, Acct # XXXX, was putting my final billing account in collections, then I got a strange Credit Monitoring message saying XXXX was introducing them, XXXX XXXX XXXX of XXXXXXXX XXXX XXXX, VA and my score starting going down. So since there was no phone number on my credit report for XXXX  XXXX XXXX, I went straight to XXXX and disputed not once, but twice with a receipt showing I paid the bill on XXXX XXXX in full. At that point i had never heard from the collections people, the following week I get a monitoring message saying my credit score dropped XXXX points because of this collections report that the reporting agency had verified AGAIN with XXXX XXXX XXXX as a viable debt that should stay as a collections item? I spent all of last week ( XX/XX/XXXX thru XXXX ) filing disputes with XXXX XXXX I am now on the 3rd dispute with supporting evidence that this debt was paid on XXXX XXXX. Every time I start with XXXX XXXX they claim its paid, but they have no control over their collections people? Yesterday my 2nd dispute through XXXX ( 4th total ) was rejected because XXXX XXXX XXXX is either IGNORANT or Highly Incompetent. I have called the number listed for them in the VA directories but no answers.
Product: Checking or savings account

Hi, I have currently over $ 10K in my savings account that I can not transfer out to my other bank. They said my there is a security issue and asked me to send me a copy of utility bill to verify current address. I sent it three times but first two time they said they did not receive it, and third time they say they can not verify. The address on proof matches the address on my account profile. I feel I have wasted a lot of time trying to resolve this. Customer service is sarcastic with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid : XXXX XXXX XXXX {$660.00} XX/XX/2021 In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Money transfer, virtual currency, or money service

paypal closed my account or permanently limited. I can't withdraw it because i don't have any credit or debit card, and I don't have bank account
Product: Mortgage

This letter is in regards to filing a complaint against Chase Bank. I have a Mortgage with them. They took my loan over from Wamu Bank in XX/XX/XXXX but per my creit report is says Chase has it since XX/XX/XXXX Since the change of banks there are several problems with this bank, Listed below are my complaints,1, They are miss applying my payments, See examples attached. I am paying extra escrow and they are not applying. it along with some payments Have sent receipt showing how much they show receivng but is not the amount applied. Want these funds back and the payments not applied to be applied2.When I started my loan with Wamu my loan was XXXX XXXX 5 years later it was XXXX XXXX. No one wants to explain this to me. 

3. Have paid extra funds towards my escrow, but it is not applied to any accounts please see examples. also dose not show the over paymentsSuspense AccountsAs the name suggests, a suspense account is an account set up by a mortgage servicer to hold a borrower 's funds in a suspended state until it decides how to allocate them. Suspense accounts are used primarily when the borrower XXXX a partial or incomplete payment, though it can also be utilized if you overpay as well. 

4.Shows many payments in suspense do not understand where these payments are going they are not and were n't short paid at any time. 
Misapplication of Payments or Inaccurate AccountingOne of the duties of a mortgage servicer is to collect and process payments from the borrower. However, in some cases, a mortgage servicer may : improperly apply funds ( in violation of the terms in the mortgage contract ) ignore a grace period, and/or fail to credit funds to the accountBank in question Wamu and chase Please look at all information attachedXXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXXLoan number XXXX
Product: Student loan

I am a victim of fraud and have submitted all paper to XXXX in regards to " Defense against Repayment '', for my federal loans.I am a graduate of XXXX 2009.My loans are thru Navient account # XXXX.I am current on my " private loan '', my federal loans are in deferment.My complaint is against Navient.After countless hours of research I was never notified by Navient that I was eligible for a class action law suit against XXXX.It is my understanding that my lender Navient should have notified me.I have called countless times in regards to information about XXXX and it is unexceptable not XXXX representative has any idea of what I 'm talking about.i have asked for assistance with private loan and have been told " what can be done has been done '' interest only payments '' XXXX a month .A loan that has grown from XXXX to XXXX.since repayment in 2009.I am gratetful that XXXX is getting what it deserves as I am a victim of misrepresentation that has destroyed me financially.I am XXXX in debt based on lies and fraud.I am requesting that Navient educate their representatives and if a class action suit is available against XXXX, I should have been notified by my lender Navient.I thank you for your time and any assistance I can get to pursue discharge of this fradulent loan Thank You, XXXX XXXX
Product: Credit card or prepaid card

I have been paying an interest rate of 22.99 APR for purchases which should be charged at 14.99 APR.  Spoke to XXXX at Ohio Customer service her Supervisor XXXX and then to XXXX of Discover Support Team of which none would understand since there records does not show any cash advance since it only go back seven years. The interest rate of 14.99 is being charge to a balance of XXXX which amounts to a charge of XXXX cents. The Cash Advance subject to the 22.99 APR is XXXX interest charge of XXXX monthly. 
I have never requested a cash advance of XXXX my last statement shows I have a cash advance limit of XXXX of which XXXX is still available it seems like discover is charging interest rates and adding them to cash advance to be charge a even hire rate. they seem to single out elderly, women, and minorities. I need your help urgently. statement balance is from XX/XX/XXXX and I spoke to above mentioned Discover Reps on XX/XX/XXXX
Product: Credit card or prepaid card

I have a Chase Marriott XXXX XXXX XXXX Business Credit Card approved on XX/XX/XXXX, which is for my company XXXX. Due to the COVID-19, I don't use this card for a while in 2020. I am not sure if there is any miscommunication but my card gets closed by Chase without my consent in 2020. I try to contact Chase several times try to fix this issue and re-activate my account, but it was not successful. Right now we are back on business, and I really need to use this card for travel, but Chase no longer accepts new applications for this card. So I really need Chase to help me re-activate this account because closing my account before is a mistake from the Chase representative, and I never asked Chase to close my Marriott XXXX XXXX XXXX Business Credit Card account.
Product: Debt collection

Smith Debnam Narron Drake Saintsing & Myers , LLP trying to collect an old debt. i called the original debt collector aka original creditor today and i am going to work out a payment plan. Smith Debnam Narron Drake Saintsing & Myers , LLP is a very nasty and bad company with rude customer service. i will not be paying them. they are shady and that is why i am trying to work out something with the original creditor on monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXXXXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The below account has been charged off, per my credit report. 

XXXX XXXX ending in XXXX Per IRS guidelines I should have received a Form 1099-C from any creditor who charges off a debt.

As of the date of this complaint, I have not received a 1099-C from said entities.

The creditors have charged off the aforementioned debts thus receiving a tax write off. Per IRS regulations, this now becomes income to me and must be reported on my tax returns.

Per 15 USC 1681 ( 2 ) ( a ) ( i ), No transactions or experiences are permitted to be on a consumer credit report. Furthermore, credit bureaus report ; 1. Soft and Hard Inquiries 2. Bankruptcies 3. XXXX  XXXX XXXX and XXXX XXXX. XXXX accounts Credit bureaus do not collect information on income as it is deemed irrelevant and does not reflect one 's ability to back debt. 

As this charged off accounts has now become " Income '' to me, it should not be reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  added a XXXX account to my credit report and refuse to remove it. It has affected my credit and credit score. I sent a certified letter ( dated XX/XX/year> ) to XXXX XXXX, President ; a letter ( dated XX/XX/year> ) to XXXX XXXX, Office of the President and email ( dated XX/XX/year> ) to XXXX XXXX, Senior Specialist. They all refused to resolve this issue. XXXX stated that I am not responsible for paying the bill. They want my Social Security number and a copy of my drivers license. They did not have this information when they added the account. Clearly, this is fraudulent intent. Why do they need my sensitive information? Bank have been involved in these illegal activities, example : opening accounts in peoples names without their knowledge.
Product: Debt collection

Is now over one year, and when I believed the case was closed here we go again another request yet from another collection Agency. 

This is now the fourth agency sending this for collection and every single time my XXXX score is affected currently my XXXX score went down to XXXX down from XXXX. 

This fourth request comes from Convergent Outsourcing Inc . I have very politely explained to them ( XXXX XX/XX/2022 ), as done with the other collectors, that XXXX engages in the practice of overcharging its customers. In my case instead of billing me for 7 days they billed for 30 days. 
so it is so clear that despite the efforts of the CFPB these type of establishments ( Debt Collectors ) continue to engage in unfair, deceptive acts and practice. They state on their letter that they have verified the validity of the claim and that is false. I refuse to pay more that owed. You can see the type of damages they can cause to the consumer. Look at my XXXX score from XXXX to XXXX. I hope a stop can be put to these entities from acting without any regards to the damages their actions can cause the consumer.
Product: Vehicle loan or lease

At this point I am convinced that I am dealing with a fraudulent situation and that I was lied to in what was described as a loan transfer which was, in fact, a refinance of an auto loan that had been reduced to principal. 

I was approached by a Westlake representative offering me a " thank you offer for maintaining a pristine payment history ''. The offer was an incentive of {$2000.00} to transfer my account to another division for management and that while I would only incur interest on the {$2000.00} only. I asked upside down and backwards that this transfer would not incur any additional interest over the course of 3 days. Every single time I was told that it would be a transfer only, that it would not have any effect on my credit report and that I would only continue paying on principal ; my payment of $ XXXX/mo went up.

Yesterday I find out that I had actually re-financed my loan and agreed to paying an additional {$11000.00} in interest. There is no sane person on EARTH that would agree to paying double interest on a loan?? Unless it was buried in the contract ... .and lied to horrifically and repeatedly.

Westlake destroyed my entire credit history ; reporting that I owe two loans to them for a total amount of {$33000.00}. Within their process they have deleted my entire credit history, showing my old account as closed, which should be paid off if this was actually a re-finance correct? They can't seem to see the problem on their end ( further instance of fraud )? 

My last conversation with Westlake I requested a transcript of my conversations with them in association to this transaction and was told it would only be released for legal reasons. I explained that it was for legal purposes and was told they would not release it. I got them to admit on tape that they were denying me access to my account information and contact history. 

Apparently this 'transfer ' company has a different name yet appears to be operating under the Westlake banner. That said, this certainly points to fraud- why would I have two accounts unless ... ..I do... and that would explain a lot. One is real and one is fraud. doubling the interest charged through lies, deception and manipulation. Informatively, in my reporting them to the XXXX  I found multiple complaints of the exact same circumstance of being ticked into re-financing a loan.

I have reached out 3 times to the CEO via email since last month with no response. He did direct his Compliance Officer to respond to my initial email and I was treated like a child, talked down to and incredulousness that I had any concerns whatsoever. He basically said ; it's your fault and live with it. 

I appreciate you taking the time to review this information and I hope you an find out what is going on- thank you, XXXX
Product: Credit reporting

Experian will not allow me to dispute information in my credit file that is incorrect because they say they are unable to verify my identity but yet I was able to retrieve my credit report from them. I had previously filed a dispute with them and upon completing the investigation there were still errors on my credit file. However now they are saying they can not verify my identiy and I need to submit my request by mail. I disagree with that because I just got a copy of my Experian credit report and I should be able to submit my disputes on line as well. I have included proof of my current credit report and experians rejections of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent two disputes letters asking for Experian to verify the accounts listed on the letter. and also to provide documentation showing how they verified the information they are reporting is correct. they have failed twice to provide the documentation, they recently sent a letter after my second request stating that i have to send in documentation supporting my claims. due to the law they have to provide documentation showing how they verified this information is accurate. i've sent in a report from XXXX XXXX showing that a bankruptcy reporting is not on the report. there is no bankruptcy on my file. they have yet to provide the documentation to support there claims.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding a collection account that appears on my credit report, managed by National Credit Adjusters. I believe this account is invalid, and the collection agency has failed to provide sufficient documentation to substantiate the debt. 

Details of the Issue : 1. Invalid Account Information : The collection agency has reported this account on my credit report, but I have no record of owing the debt they are attempting to collect.

2. Failure to Provide Validation : Upon requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency failed to provide essential documentation, including : The name and contact information of the original creditor. 
A copy of the original agreement or contract that created the debt. 
A full account history showing how the debt was calculated. 
Proof that the agency has legal authority to collect the debt. 
3. Lack of Original Creditor Information : The collection agency has been unable or unwilling to provide the original creditors details or the purchase agreement proving the transfer of this account.

This invalid account is negatively impacting my credit score and has caused significant stress. The lack of proper documentation and failure to validate the debt undermines the legitimacy of their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

United Wholesale Mortgage is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to United Wholesale Mortgage lack of correction. I recently spoke with multiple representatives at United Wholesale Mortgage and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX 2021. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for United Wholesale Mortgage to rectify the late payment XX/XX/2021.
Product: Debt collection

I sent out XXXX cease contact notices explaining my situation that I've become XXXX and now my only source of income is supplemental social security benefits which is Judgement proof, and explained that I couldn't afford to pay this outrageous debt that has grown out of proportion due to high interest rates but they've disregarded and ignored my cease contact notices even after I explained that my sole source of income is judgement proof
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding the way Zelle has been handling of disputes. Especially in light of the lawsuit regarding the CFPB lawsuit against Zelle and how there are significant issues within the platform. Zelle has failed to investigate claims adequately. They have claimed that recovering lost funds would be impossible and that tracking these transactions would be a long shot. According to the CFPB, not only has Zelle neglected the protection of its consumers, but has also left us vulnerable to scams and the exploitation of repeat offenders.
Product: Bank account or service

Deposits were made to my checking account that did not have money to back the deposits up. I was not aware of this I withdrew the money. Now TD Bank is holding me to repay them back. XX/XX/XXXX the my Social Security check was deposited to the checking account the next day the bank had taken the money .I would like this money back can I get it back?