23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

GMAC HAS AN ACCOUNT OSTED ON CREDIT REPORT THAT IS PAID OFF. THEY CONTINUE TO TRY TO COLLECT ON DEBT, POST ON CREDIT REPORT AND STILL OFFER TO DO PARTIAL PAYMENT AND XXXX.
Product: Debt collection

15usc1681 ( a ) ( 2 ) : You are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a consumer. You are in violation of the law. Delete late payments immediately.
Product: Mortgage

XX/XX/2019 I filed a dispute online today in reference of a wrong credit report to 3 credit reporting Companies by Specialized Loan Servicing LLC SLS I relation to my mortgage No. XXXX reported to your Company as paid in XX/XX/2019 when in fact it was paid by wire transfer from the XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. The wire in the amount of {$100000.00} as listed in the written payoff demand submitted on XX/XX/2019 by SLS Mortgage. A dispute ensued between SLS and XXXX over a small amount due on insurance ; finally SLS agreed to accept the settlement and sent a statement with XXXX balance due on XX/XX/2019 ( see copy attached ) SLS reported the mortgage unpaid for XXXX, XXXX XXXX and XX/XX/2019 although they received the total settlement funds on XX/XX/2019 and this has been impacting my credit score on my credit report. The mortgage was paid on XX/XX/2019 and the past due mortgage reports for XXXX, XXXX, XXXX and XX/XX/2019 must be deleted and my credit score restored to the same number it was before SLS negative reporting. Supporting documents from XXXX are available for review ; several letters to SLS mortgage requesting revision on the credit reports remain as of today unanswered. Please advise, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017 XXXX, XXXX and Transunion made updates when it comes to how items such as tax liens appear on credit reports. I waited for about 2 months for something to happen, XXXX  on their own removed the 2 tax liens on my file, for XXXX I had to request a dispute, and the results removed the 2 tax liens from my XXXX credit file. Now, after filing 2 disputes online and 1 over the phone with Transunion, they still have not removed these 2 tax liens. I do not understand why, if the same information is getting reported to all 3 credit bureaus, why is Transunion not removing these tax liens due to the new requirements for these types of public records when the other 2 credit bureaus have followed the guidelines. all my information is the same on all 3 credit files. I would like these removed as soon as possible as XXXX and XXXX have already done so.
Product: Student loan

I have been unable to pay one of my three private loans due to my funds being restricted, I have sent them a written notice specifying this information but I still keep getting e-mails, letters, and phone calls. They also contact family and friends whose information I did not provide. I understand that legally, they are allowed to do most of these things to collect on the debt. My complaint is certain faulty tactics they use to try to contact me or to attempt to get a reply from me ( even though I clarified I am unable to make payments at this time ). I have been getting XXXX 2ND DAY envelopes that have way earlier dates on the letter itself, and way after I actually receive them in the mail. This is the 2nd or 3rd time this has happened. I received one " final  notice '' letterXX/XX/XXXX within a XXXXXXXX 2ND DAY envelope. When I opened the letter, it was dated XX/XX/XXXX, and requested a reply to the letter by XX/XX/XXXX as a final notice and option for making payment arrangements. How am I supposed to call before XX/XX/XXXX, if I receive the notice weeks after that date? ( I was home, and my address is current on file ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening the receipt of this correspondence is for data and legal purposes.

I have continued to communicate with all credit companies about fraudulent Information reported on my consumer credit report.

Attached to this statement is evidence Data what is open from creditors and commercial companies With law enforcement Confirming missed information on my consumer credit profile.

All of the credit companies have been notified and given several opportunities to Adjust my credit report to reflect accurate information and remove Disputed accounts Some accounts have been removed some of them remain which is against the Is fair credit reporting ACT.

All credit companies have violated permissible Is purpose, Along with 611, 612, 615 and Several other consumer laws.

This notice is evidence, Of a 4th coming lawsuit.

All credit Company served in this suit are responsible for {$100000.00} Conversation to XXXX XXXX XXXX For several consumer violations. 
Everyone notified has 10 days to respond with Appropriate actions, Credit collections or a {$100000.00} payment Failure to respond will result in a executive default.
Product: Debt collection

I had a credit card with Capital One and had been paying off the balance in full to increase my credit score. I had this card for about a year before I had to move to the XXXX XXXX XXXX XXXX for a new job. The sale of my house in XXXX, where I was moving from, had a few bumps in closing. For a few months, I had to pay for my XXXX home mortgage and my XXXX XXXX rent, which was almost twice as much as the mortgage. My savings dried up and I had to rely on my credit card from Capital One. 

When I finally got my head above water, I found myself 6 months behind on that card with a balance of {$7300.00}. This was my fault and I accept the responsibility of letting this card default. 

On XX/XX/XXXX, I called Capital One to fix this. I was told that there was no way for me to partially pay of the balance and be able to continue to use this account. I asked if I could settle the account for less than what was owed. After some back and forth, I agreed that I could pay {$5000.00} of the balance in order to settle the account. I was told the remainder would be written off as " bad debt ''. I paid this amount through my mobile app on the same day after getting off the phone with their customer service. My part was done. 

I did not receive a letter from Capitol One confirming the account had been settled. They did not call me or send me letters regarding the amount that would be written off as " bad debt ''. Unfortunately, I was not great at monitoring my credit at this time and did not see that Capitol One never closed this account. 

On XX/XX/XXXX, I was woken up by a person banging on my door trying to serve me. I answered the door and the man informed me that Capital One was suing me for the amount of {$2800.00}. 

Since then, I have done some research on Capital One. They sue their customers more than any other bank and for amounts less than {$1000.00}. I have been forming my response to the court and will send it off shortly. 

I also called Capital One and the people I spoke to were also surprised that the {$5000.00} payment was not a settlement payment. I was told that they are looking into this but I am not sure what will come of that. 

Is there anything else I can do to fight this? I'm not trying to take something that isn't mine and I did my best to resolve the situation with Capital One at the time. I went through their processes and contacted their channels to solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to fix the issue with XXXX XXXX. They are reporting not one but two late payment on my account I have proof that I have paid the minimum balance every month before 30 days. I paid XXXX dollars XX/XX/18 payment due XX/XX/2018 minimum XXXX. I paid XXXX dollars XX/XX/2018 payment due to XXXX minimum payment XXXX dollars. I also paid XX/XX/2018 XXXX dollars minimum payment XXXX dollars. I have contacted XXXX  and XXXX  and they will not fix the problem after an investigation. I would like these false remarks to be removed from my credit.
Product: Mortgage

Diligently making my mortgage payments for the life of the loan, on XX/XX/2017, I was unable to make the final payment, due XX/XX/2017, for the {$720.00} balance due. Unable to make the payment on-line at the BOA web site, I went to the local branch in XXXX, where I live, presented the XX/XX/2017, monthly payment coupon and check for the {$720.00} balance due to Teller " XXXX '', who was unable to accept my payment due to a " computer error ''. Teller " XXXX '' then contacted BOA Relationship Manager, XXXX, to request assistance. XXXX was also unable to accept my {$720.00} balance due payment to pay the outstanding mortgage in full. 

Additionally, though the web site notes a charge of {$6.00} for making an on-line payment 10 days or more past the due date, my attempt to make the payment due on XX/XX/2017 on XX/XX/2017, noted a charge of {$6.00} to make that on-line payment the day that it is due. While that was clearly a glitch, the important concern is ; why should Bank of America be allowed to charge an additional {$6.00} fee to make an on-line payment when there is already a provision to charge a late fee for payments made greater than 16 days past the payment due date. Seems lie Bank of America is pyramiding an unjustified charge of {$6.00} for the privilege of making one 's monthly mortgage payment on line before a standard late charge would kick in as in their standard mortgage contract.
Product: Debt collection

PHOENIX FINANCIAL SERVICES received four of my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete. 
They still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), you have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately.
Product: Student loan

XXXX my son was recruited to attend XXXX XXXX in XXXX. We were pressured into attending this school. A rep came to my home to talk to my son and I. When my son and I went to enroll him, I was told to sign a parent loan in order for him to attend school. The school was brand new. After my son attended for about 6 months, he decided to leave, it was not what he was told it was and he informed me that the teachers did not tech him anything and it was a waste of money. To this day am still paying back {$15000.00} dollars in a parent loan for 6 months of attendance. I was charged the full price as if he graduated. I try to talk to someone in the office and made several calls, No one assist me and stated I was stuck with the parent loan. I was misled along with my son and I need help. This has been damaging my credit for over 10 years or more
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has on XX/XX/XXXX that I have a too many delinquent past or present mortgage credit obligations as I have not had any mortgage since XXXX in which is in litigation and there is or any money owed to mortgage or after the Foreclosed the property was sold for more than I paid so there is no negative money owed and there are not any more present or past mortgage debt owed. Also Equifax has yet to mail out any updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA this company has violated my rights 15 U.S.C 1681 section 602A states that I have the right to privacy U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction. Transunion is ignoring my dispute request
Product: Credit card or prepaid card

In monitoring my credit, I noticed that Synchrony/XXXX  closed my credit account as of XX/XX/2021 after 5 years and 7 months and a 100 % clean payment history. I called XXXX and spoke with XXXX and XXXX ( managers ) in the XXXX office and both told me that the account was closed due to inactivity and there was nothing I could do and that I would have to reapply. I mentioned to both that I was never notified of their intent to close, which they said they are not required to. I asked them to please reopen the account, because this is negatively impacting my ability to refinance my home, which was about to enter escrow. Both just said they were sorry.
Product: Credit card or prepaid card

I had car trouble and signed up for a XXXX service credit card by CitiBank after it was advertised on both the dealers website as well as the companys website on XX/XX/XXXX. When I attempted to use it, they told me they dont accept the card they advertise. On XX/XX/XXXX I received an email I was advised incorrectly and they indeed take the card but when I went back to the dealership they said they couldnt. The link to the dealers website still advertising this card. https : XXXX XXXX XXXX XXXX On the second website, XXXX XXXX is listed when you click schedule service. 

So I signed up for a card due to a promotion that was advertised on the dealers website and cant use it. I followed up today with service manager XXXX XXXX who said they would have to sign back up with Citi and refuse to do that.
Product: Payday loan

I have enrolled in a Debt Management Program and contacted my payday lenders to revoke authorization for ach payments. Advance America responded to my email and agreed to stop the ach. The email included my account number for tracking purposes and the email address associated with the account. On XX/XX/XXXX they went forward and withdrew the entire amount of the loan despite being contacted by me and by the Debt Management company. When I contacted them they said they had no record of a communication between us and they had never received any information from the company I was working with. I told them I had the email communication and they response I got was that they had no evidence of an email and it was too late for me to do anything about it. I spoke with the company I was working with and they indicated that they had emailed and faxed Advance America and spoke with a representative about the account. I had to find another way to obtain {$2000.00} immediately on Friday in order to cover my account and keep it from going negative. It kept me from being able to pay additional bills. They also kept telling me that my state ( Ohio ) does not allow payment plans. That is absolutely incorrect as other lenders have set up payment plans with me.
Product: Mortgage

Greetings, I 'm writing to ask, What good is the H.A.R.P program, if the banks all turn you down? If the object is to assist people, it sure is a lousy program. I 'm currently paying 7.5 % with payments at {$1100.00} a month, yet every bank I ask will not let me refinance due to not enough income??? I currently make about {$1300.00} a month income, and have not missed a payment since I took over the loan, yet no one will let me refinance to a lower rate, which will reduce my payments. I would love to be able to afford hamburger helper occasionally, instead of raman noodles and what vegetables I can grow in my garden. Time is running out on the program, I would like a refinance before that happens. 
I used Quicken Loans only as an example since its the most recent bank I approached, but this is the case with many places I have tried.
Product: Student loan

For the past two years the department of education has seized my tax refund for a total of over {$10000.00} towards my student loans leaving me homeless with a small child each time. First it happened in XXXX XXXX and now that I'm back home in XXXX, a city I left because I can't afford it, my mother 's eviction wasn't sufficient for me to get MY refund so I could move again. She was who I was staying with after I faced eviction from the last time my student loans being in default resulted in my tax refund being offset. 

I attempted to make an arrangement with Alltran to pay $ XXXX/mo to get out of default and they approved this aggreement for a month and then called me and said I needed three non family references, their phone numbers and addresses in order to be eligible for the default resolution program. After approving it and taking the first payment they said I was ineligible. I've asked Alltran for the transcript.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an unknown person attempted to sign up for various loans with my madien name. On my credit reports I had a hard inquiry from XXXX XXXX XXXX XXXX from this. I contacted the company and let them know about the fraud several times and disputed this with all credit buerueas. It has been removed from all except XXXX, where my credit score had dropped. I have contacted XXXX over 10 times and mailed in documents stating the fraud, along with my FTC identity theft report. This still showed on my credit so I called XXXX XXXX  again in XX/XX/XXXX and XX/XX/XXXX received an email from the company saying " We are in receipt of your recent claim of fraud regarding a credit inquiry by XXXX XXXX On XX/XX/XXXX, an application in your name was presented to XXXX XXXX ; however, no loans were underwritten in your name. The account has been updated to reflect your claim of fraud and future transactions on this profile would require a written request from you. 

Furthermore, given your claim of fraud, we have requested the credit inquiry initiated by the application submitted to XXXX XXXX be deleted from your credit report. Please note, it may take up to 90 days for the deletion request to be reflected on your credit report. '' As of today this still reports on my XXXX credit report.
Product: Debt collection

I got alot of text messages from number XXXX : You'll receive account texts from XXXX XXXX XXXX XXXX in reference to XXXX XXXX XXXX XXXX XXXXXXXX This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did call XXXX cause i dont think i owe them money and they said no they do not ask me to pay anything. 

I tried to call the debt collector but they never pick up the phone.
Product: Credit card or prepaid card

I was entered into a consumer transaction with American Express where my social security number was used to receive credit. I the consumer received this credit/credit card and was given the right to used this card with no limit. I have been using this card for some time now for approximately 3-4 years. With my posted charges reaching up to {$19000.00} at some points. I have never been negligent in paying my bill. I reached out to American Express to increase my card limit because numerous times they would decline charges I would make because they said it was past my limit. even though they marketed this card as a no limit card. after reteaching out to American Express to increase the limit or for them to start declining the card they stated that I need to submit bank statements. which I did. after submitting bank statements I received an adverse action letter from American Express saying they took action on my account. and they were changing my account from its original standing to a preset limit of XXXX this is in direct violation of 15 U.S.C 1691 ( D ) ( 6 ) & 12 CFR 202.9 ( B ) ( 1 ) ( 2 )
Product: Debt collection

Midland Credit Management has reopened OLD debts that were previously reported on my credit report. They are attempting to re-age the debt which is illegal. I have confirmation these accounts were closed and they are now reporting as if it was new. I have disputed these repeatedly with the credit bureaus and they are refusing to remove them from my reports!
Product: Credit card or prepaid card

I purchased two acrylic prints for my wife for our anniversary. I paid through PP using my credit card. When I received the prints they were damaged and I requested a refund through PP. This went nowhere, so I contacted Citi to step in and resolve the matter. I submitted images to Citi showing the damage and their 'investigator ' resolved the dispute and is holding me accountable. 

How is this possible? I paid good hard earned money for an item, and I received something not as advertised. They had damage, so much so that you can not hang them on a wall or look at them. 

I am requesting that Citi do the ethical thing here and resolve this dispute in my favor for paying for and receiving damaged items. If the merchant wants the damaged items back, they can send me a prepaid shipping label and I will gladly send them back, but I refuse to come out of pocket to mail these things back to XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX According to the FCRA these unverified and unauthorized items must be removed.