23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

all of the above- trying to force me to pay interest when accounts were under legal advisement of uprigth law for chXXXX. two accounts- one sent to lvnv one sent to XXXX ( a known credit XXXX ) refuses to manage accounts once resold. harassed my cell for over 120K, then continued to do it after sending em a letter saying theyd stop. forces people ( as do many others ) to allow roto-dialers and spam which is extortion and illegal. banks are doing this now ( XXXX, XXXX etc. ) I ever consented to this ABUSE. 
resold the debt after atty hired. refuses to manage to rebuy it back. LVNV non responsive but sent me this note from a so called law firm w letterhead that now also is not responding. ( claims of not a lawyer-they y use letterhead-this is a threat ) will not settle accounts and wants my lawyer info in order to do so ( continuous extortion ) refuses to purge info from credit files ( 5 ) and continues to defame me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each XXXX XXXX XXXX regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 1. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
TransUnion is reporting the date of last payment as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 2. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. TransUnion is reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account XXXX : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Drivetime is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on date of XXXX
Product: Payday loan, title loan, or personal loan

I received a check to use in the mail saying Im pre-approved for a personal loan. It said I would be getting a XXXX so I was not interested. I then received an email stating Weve lowered your rate. You will now get a XXXX I work in a XXXX XXXX myself and the fine print read Offer current as of XX/XX/2018. 

1 In order to consolidate an existing PenFed loan, line of credit, or credit card, the current Bill Consolidation Loan rate must be equal to or greater than the rate on your existing PenFed loan, line of credit, or credit card. No more than 50 % of Bill Consolidation Loan funds may be used to consolidate existing PenFed debt. PenFed does not permit internal refinances of an existing PenFed Personal loan or Bill Consolidation Loan. 

Loan amount determines term. All loans are subject to a minimum monthly payment of {$50.00}. 
Questions or comments? Contact us. 

To change your email address, please log on from our home page. This will ensure that your official records are updated. After you log on, go to " account actions '' then " Update Profile ''.

So this is not stating that I may not get that rate or anything. Nowhere on the email does it say as low as. I called to make sure and I was verbally told yes, I will be getting a XXXX. I deposited the money in my account of $ XXXX and when I go online, I see I have a loan of 12.99 %. Thats higher than some of the debt I want to payoff. I called and spoke to a supervisor named XXXX and he said they will not be able to honor the rate of XXXX
Product: Student loan

On XX/XX/XXXX, XXXX XXXX disbursed {$16000.00} of a private student loan with them so I could pay tuition/room/board at XXXX XXXX. 

After six years of being a student, unemployed and/or underemployed, I 'd missed enough of my {$300.00} a month payments they were in danger of default. 

Exactly what they are being sued for in PA is what they did to me. 

They called all day, every hour of the day, multiple times a day, even when I was working or in school, my mom too because she cosigned. They threatened and harassed us until I agreed to a forbearance. 

Rather than allow me to lower my payments to more realistically match my income, through an IBR, or ICR, XXXX XXXX pushed me to do a forbearance and explained it as my only option. 

XX/XX/XXXX my forbearance was approved. 

I eventually got a better paying job and was able to make payments, but {$13000.00} in payments on a {$16000.00} debt somehow left me with {$25000.00} in principal and interest still left to pay??? This is as of XX/XX/XXXX Private student loans should n't be allowed at 11 % interest rates and XXXX XXXX/Navient is being rightfully sued for denying struggling borrowers any option except for the one that guarantees XXXX XXXX the most money. 

Federal student loan borrowers should n't be the only ones protected. 

I paid off my federal student loans first because they were smaller. 

I did n't understand the difference when I was XXXX, nor did I even sign any of the paperwork at all, it was all " done for me '' by my equally clueless mother who I should not have trusted with my financial future. 

XXXX XXXX raised tuition 25 % every year I was in school, I could n't even afford to finish. 

I ca n't imagine how much worse other students have it now, who took the plunge and financed all 4 years of school. 

I even worked every summer, XXXX XXXX XXXX XXXX XXXX 80 hours a week, and the checks were still just a drop in the bucket. 

Living expenses and college are way too much, especially in California, and XXXX XXXX took advantage of students with their predatory lending practices. 

Students be warned, take your business else where. Do not sign anything with XXXX XXXX/Navient!!
Product: Prepaid card

Purchased a washer / drier from XXXX on XX/XX/XXXX. The washer drier pair was eligible for a {$200.00} prepaid mastercard. The rebate was subcontracted to XXXX. I was issued a virtual mastercard by their subcontractor - prepaid digital solutions on/or about XX/XX/XXXX. There was no prior information that a *real* card would not be issued, nor was it an option. I tried multiple times to use this " card '' locally and no one would accept a " printed virtual credit card ''. The expiration date for the card was XX/XX/XXXX and it expired before I could find someone that would accept it. I tried to contact them by email, which was the only method I could find on the website. The website also stated that they would not " extend or re-issue expired cards ''. Clearly something that happened frequently and which as far as I can tell is illegal as I read that there was a 5yr federal minimum expiration on all prepaid gift cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and XXXX XXXX and XXXX won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil matter
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed inquiries/accounts that I did NOT authorize on my credit report and its preventing me from receiving new credit.
Product: Debt collection

So me and my roommate were staying at an apt complex ( renting ) we were there from XX/XX/XXXX to XX/XX/XXXX the managers there stole money from us and we're overcharging for services that was not given. On the other hand we had charges for things that weren't even listed for the the charges were for. When we found out we threatened to take legal action and was then refunded only a portion of what was owed to us. It was refunded on a gift card purchased from a XXXX which was very unprofessional and showed that they knew they stole the funds and was caught by us. Before we moved in on XXXX XXXX The same management company had rented us another apt at their sister complex which was very uninhabitable it had a very bad infestation of cockroaches, mold on the wall and very dirty cabinets. So bad we slept in our vehicle and motels because It was very unlivable. When we complained about it they offered us to the place we moved to on XXXX XXXX. After we caught them in the act of stealing we wanted to leave. They told us we had to pay XXXX dollars to break the lease. We hired an attorney and he contacted them and they immediately said we can leave without paying any fee 's stated. We left the place in immaculate shape and very clean with no damages. When we turned in the keys they did not offer us a walk through. So thinking everything was good me and my roommate moved on. Next thing we know they had reported fees and charges from what they claim were damages in the apt . Never contacted us, e-mail or called about these charges but sent it to a debt collector Columbia debt recovery service LLC XXXX on XX/XX/XXXX which was about a month after we moved.
Product: Mortgage

I have reached out to chase to apply for mortgage assistance numerous times since XXXX of XXXX XXXX. I have had multiple offers given to me for my house and every time we get close to closing on the home, something pops up on Chase 's part. One of the offers I received for my home was to go-ahead and do a short sale. I waited weeks for chase to respond and give us the go-ahead to move on with the short sale. As the closing date approached, I then find out my request was denied because HUD stated that chase failed to do their due dilligence. I could have sold my home months ago and avoided the hit the credit but because they seem to want to keep me looped into this foreclosure process, they are not approving any of my requests. 

Recently, I re-applied for mortgage assistance to see if I could apply for another short sale now that my foreclosure date had been removed. I sent in the documents on XX/XX/XXXX - I am working with an investor who has been calling chase on my behalf to see if they had assigned a manager to open up my case yet. The told me I needed to send in an offer for them to review anything. I sent in an offer with a contractors bid and an explanation of all the fixes the home would need. This was sent over and stated it was received in XX/XX/XXXX. We called today ( XX/XX/XXXX ) to see what the status was of getting a manager assigned and they said they are not going to assign a manager because there was a foreclosure date set for XX/XX/XXXX again after it had been removed on XX/XX/XXXX and told to me during a conversation on XX/XX/XXXX that there was no foreclosure date set. Chase seems to be playing a game in that they don't have their information straight and every time I call in, I get a different answer. I wouldnt be in this predicament if chase had completed what they needed to do and approved the offers I had received the first time around. I have received 4 offers on my home since XXXX of XXXX that meet what the principal balance is for my mortgage but they dont seem to care and are not taking my account seriously. My life is going to be severely impacted because of their lack of attention and their lack of caring for the customers they service. My son is a XXXX veteran and wants nothing more than to see his mother get out of this situation but I cant seem to get help from the company that says they are going to help me - they simple dangle a carrot in front of me offering to help and once there looks to be light at the end of the tunnel, they come up with some sort of excuse as to why I cant be helped. Their practices are very inconsistent and very unethical in the way they are managing their clients accounts. My loan number is XXXX. Please help me with the issue I am having with my servicer.
Product: Debt collection

I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt. 
This includes, but is not limited to, the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A detailed explanation of the debt, including any interest, fees, or other charges. 
Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease. 
Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information. 
Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency. 
Please treat this letter as a formal dispute of the debt in question. 
Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above. 
I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights. 
Thank you for your prompt attention to this matter
Product: Mortgage

Good Morning, I am in need of your assistance. I have been trying to get a loan modification from CitiMortgage since XX/XX/XXXX, due to the fact of my sister being laid off. During that time I was scammed from a company called XXXX, from XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX. I was hands on with what the bank was requesting and provided XXXX with all documents. I would frequently check online to make sure the bank received all documents, which they did. 

In XX/XX/XXXX/XX/XX/XXXX, I received a court order to attend a preliminary conference, at which time XXXX backed off, this is when I realized I was being scammed. At this time I had to hire an attorney, to take over and accompany me to court. From XX/XX/XXXX/XX/XX/XXXX-present I have not received a determination. I have been getting the run around from the bank ( CitiMortgage ). They email me as well as my attorney requesting the same documents over and over. In which I provide them with every time. I also contact the bank constantly to find out the status of my file at which time is when they advise me, every time, that it is in underwriting, this has been going on for years. Ever-so-often they change the person handling my file, which in turn causes the entire process to start over again, Requesting an entire packet as when I first started the application in XX/XX/XXXX. 

At time my sister has gained employment and we are more than capable to pay our mortgage, at a lower rate. I am contacting you for your assistance, as this has been going on since XX/XX/XXXX. And I have been getting the run around. I have lost sleep, this has been a major strain on my family/marriage. It has affected my health, because I do not know if one day I will receive a letter advising me that I will lose my home. 

Thank you, XXXX
Product: Credit card or prepaid card

had my phone hacked into tried to call STATE farm to get transaction history they didn't want to provide information after asking for the REP 5 times all I wanted with transaction history. She was so rude to me i couldn't get what I wanted or even any part of the transaction Tried to close account just in case it was hacked but at this point, I don't know what on my account b/c of the above incident
Product: Credit card or prepaid card

My credit limit was decreased for what they claim is insufficient usage. It went from {$10000.00} to {$5000.00} over night. I have ALWAYS been current, never delinquent and always managed and used my credit cards responsibly. I only charge no more than 33 %. 

I am being penalized for using my credit responsibly. I called and asked them to increase it back to what i had earned and they refused. There is no reason to reduce my credit limit except for punishment for not using their card more. I am a good consumer, pay my bills on time and am never never late. I have been with Capital One for 10+ years and this is the customer service they give to a loyal paying client? My FICA score is 800+ there is no reason for this.

This action will now hurt my credit score because it will show an overall higher DTI ratio and that a creditor reduced their available credit to me. Their actions will lower my credit score for no fault of my own. It is not right, not fair and should not be allowed since i have used their services responsibly and never violated the terms of the agreement. 

I kindly ask they they reverse their decrease since it was for no legal or financial reason and put my limit back to where it was at. Thank you
Product: Checking or savings account

On XX/XX/XXXX I woke up at XXXX and saw an {$800.00} withdrawal from my XXXX XXXX I immediately call customer service and report it and they lock my account and transfer me to the claims department. The claims department says that since it had just happened it is still pending therefore there isn't anything they could do at the moment. They tell me to call back next morning when it is posted and file a claim. They transfer me back to customer service where the next agent helps me change my user and password and unlock my account. When I go in the app again while on the phone with them I noticed another {$1200.00} withdrawal. I start panicking and asked them how it's possible if the account was locked and I was on the phone with them, they tell me to go to a branch. In the branch an employee assures me that they won't be able to take any more money since I changed my user and password and to call next morning for the claim. I call again at XXXX next morning ( XX/XX/XXXX ) and filed the claim and they tell me they'd be contacting me between XXXX to XXXX business days. I go to a branch right as they open at XXXX and request for my account information to be changed. They tell me the withdrawals were made in the XXXX XXXX branches and ask if I had ever been ; I have not. They change my information and advised me to withdraw what I have left in the case it is an identity theft situation. I called again XX/XX/XXXX for status and they said to wait 2 more days. I call again XX/XX/XXXX and they said that they are placing the funds in my account the following day and sending a letter regarding the investigation. I noticed no funds yet on XX/XX/XXXX so at XXXX I called again to what I ended being told that my case was denied and they will not be placing the funds in my account because " it is a valid withdrawal and I go to that branch all the time ''. I repeated I have never set foot in those branches it was withdrawn from and the video cameras should prove that. I asked for more information but they just mentioned the letter I should receive in ten days with the denial and mentioned that they can only provide more information through a subpoena.
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be XXXX percent XXXX accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

started a dispute with Equifax on XX/XX/2018. Report was finished on XX/XX/2018. Dispute Confirmation number is XXXX. I could not access the report by email or online. Equifax could not mail to my current address at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. So Equifax sent to my old address which is XXXX XXXX XXXX XXXX Texas XXXX. My mail is forwarded. I still have not received the report.
Product: Debt collection

AARGON agency has been reporting a collection on my consumer report for the last year. I've disputed it through credit karma and XXXX several times. Each time the dispute comes back as verified. However I have never worked with this company. They have not provided factual information such as a signed agreement. I don't recognize this collector nor have ever worked with them. I need them to delete this violation of information on my consumer report immediately. I reached out via phone on XX/XX/year> approximately at noon and the representative could not locate an account for me. This fraudulent collection is negatively impacting my consumer report. 
This collector also violates my consumer rights, and has not provided method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00}