23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi XXXX ; This is a XXXX violations and i'm not aware of this XXXX XXXX ; i have no knowledge of this company nor the balance or it's original creditor mentioned. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle loan thru Bridgecrest is still showing it as open and having a XXXX $ balance as of XX/XX/XXXX it should have been closed and fell under under service member credit relief act. Since I was a XXXX  warrior waiting XXXX retirement. It has caused numerous problems with me obtaining new auto loan and they typically effect my score it was open in XXXX and it should be off my credit report but instead it's still showing up as an open account and as a active loan.
Product: Payday loan, title loan, personal loan, or advance loan

I originated this loan in XXXX XXXX XXXX, in XXXXXXXX XXXX XXXX I noticed that not XXXX XXXX of XXXX in payments has went to principle, I even called in XXXX to get account paid to avoid any future interest payments only and was given an incorrect amount so the interest only payments continued, the company never explained all of their fees abd daily interest therefor keeping all my payments as interest only which is worse then a pay day loan. I talked to the branch and employee XXXX degraded me saying Ive never made one on time payment and every payment was over 30 days late or more since loan origination which is a lie, I called corporate and they had district manager XXXX call me and he did absolutely nothing and had no empathy for the situation nor did he offer any assistance so I turned to you for help
Product: Credit card

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report.

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. 

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations.

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at [ Your Email Address ]. Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Product: Checking or savings account

Wells Fargo drafted {$600.00} from my savings account that listed my son on the account at the time this account was opened my son XXXX XXXX was a minor so I XXXX XXXX was the custodian under the XXXX XXXX. This draft was due to fraudulent activity that occurred on my son XXXX XXXX separate checking account where he is listed by himself. It was communicated to me that the bank had the right to draft the funds for the overdraft fees from the savings account because he was listed on the account. The claim with Wells Fargo was made on XXXX/XXXX/XXXX with a customer service rep by the name of XXXX who would not communicate her last name because she stated that they are advised not to give out last names, never the less she communicated that I could go and close the savings account where my son and I were listed together and all funds would be refunded to the primary account I asked the representative several times would the funds be refunded to the primary and I was assured that it would be, so here we are over 30 days later where the claim has been resolved my son primary checking accoutn is current and all of his funds are available to him and for some reason I have yet to receive the {$600.00} that was removed from the shared savings account. The claim that we made was approved and for some reason I have yet to receive the {$600.00} that was drafted from the savings. Now since then my son as well as myself have made numerous attempts to have this issue resolved only to continue to receive the run around and to be given multiple explanations as to why the {$600.00} has not been refunded. There was a deposit made into the account for {$1600.00} on the date of XXXX/XXXX/XXXX but only {$850.00} was made available to the account never the full amount of the {$1600.00} which means there are funds that still need to be disbursed and still I have no resolution from Wells Fargo as to were those funds are so by filing this complaint I am hoping to secure those funds that were taken away from the shared savings account due to fraudulent activity that has occurred on the person primary checking account.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied and was approved for a {$1000.00} loan by MoneyLion. As part of this loan, they require that you pay $ XXXX membership fee which you can not cancel until the loan is paid in full. They made {$250.00} available for use and stated that the remainder would be held in a " reserve '' for future use. I contacted Moneylion to access the money in reserve, but they stated that the reserve can ONLY be used to pay off the loan in full - at which point I would be charged interest on the full {$1000.00}. Charging interest on money that wasn't actually borrowed, in addition to the required " membership fees '' is by definition illegal predatory loan practices, and this company must be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$23.00} XXXX XXXX XXXX XXXXXXXX Balance : - U S DEPT OF ED/XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of XXXX XXXX acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given TRANSUNION, XXXX, XXXX and XXXX XXXX to furnish/report information on my consumer report, Re : XXXX XXXX Acct XXXX XXXX
Product: Debt collection

XX/XX/XXXX, hung up on by staff XXXX as I asked for the details of what I owe Financial Data Systems for the amount of {$1000.00}. 

I, XXXX XXXX, was requesting that Financial Data Systems provide verification of this debt with account number XXXX. 

I, Requested the name and address of the original doctor bill, any signed documents to see specific doctor, any agreements made with the doctor, the account number, and the amount owed. Requested any signed documents with the doctor for his service and all original documents of XX/XX/XXXX medical services with the specific doctor claiming I owe. Requested Verification all details of the original bill and original signing agreements to such doctor, including all pages. Requested for Financial Data Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX www.fdscredit.com shows that there is a valid basis for claiming I am required to pay the current amount owed of {$1000.00}. 

No verification was given to me from the medical bill including any agreements signed. I was sent an invoice and collection on credit reporting agency from Financial Data Systems for a debt of {$1000.00} with no validity to debt and no agreements signed for debt. 

Details about the age and amount of the debt including a copy of the last billing statement from the doctor. My address is in XXXX XXXX and XXXX XXXX, I never got notice at my address of this debt before. 

Sincerely, XXXX XXXX
Product: Student loan

I am submitting a complaint about not getting adequate help with reducing my payments to XXXX XXXX XXXX, loan # XXXX XXXX XXXX. My balance is almost {$300000.00} which I will never be able to repay. I can not make the {$720.00} loan payment they are asking for. Every year I call because the payment is too high and each year they put me on a Forbearance. They claim that I am at the lowest payment amount for my salary. They go by students gross salary and not their take home pay which is what should be calculated. They are not taking into account deductions that come out, a persons personal expenses to live. ( See enclosures ). 
I called XXXX XXXX XXXX on XX/XX/XXXX, and I spoke to XXXX, ID no. XXXX and she told me I can not switch to another payment plan as this is the only plan I can be on. I inquired about ungrouping my loans so that I can make payments to the lowest one and work my way up to the highest. She told me they dont do that. 
I do not want to continue getting forbearance as this is only prolonging my ability to retire. I am not trying to work until I die, but want to live out my senior years in retirement, not working for the rest of my life. 
I am writing to ask that you as my elected leaders, and The Department of Education change the laws so that once and for all students in debt be able to repay their loans without the hassle of trying to make a payment they truly can not afford to pay. 
Enclosed is copies of my expenses, my loan payment page with my balance, and scenarios of different payment options. Even if I sacrificed something in my budget it would not allow me to sustain basic living. I am however, willing to make a diligent effort to pay the {$420.00} payment I was paying when I started to repay in XXXX. I am also paying to support my daughter who has not been able to find employment since going to a school that has closed but the student loan company will not forgive her loans because she graduated. The school deceived my daughter in that she would be able to find suitable employment in her field of study. To date she has not so I am still financially taking care of her.
Product: Debt collection

On XXXX XXXX XXXX central time, a representative from Credence Resource Management , called my home phone that is listed on the Do Not Call Registry, and my minor son answered the phone and they told my son that they asked for XXXX XXXX XXXX, my son informed that I wasn't home and the representative informed him that they were calling about a legal matter. My minor son called me and gave me the number and when I called the number back I spoke to a XXXX XXXX XXXX # XXXX, who then stated that she was calling from Credence Resource Management a debt collection company. I asked her for her name, rep number and the name & address of the company, in which she delayed by then gave me the information I requested. I informed her that they were in violation of Federal Law, FDCPA for pretending to be someone else, calling my phone when I never gave them permission in violation of the TCPA and Do Not Call Registry, alone with my name XXXX XXXX XXXX XXXX is copyrighted and they were never given any permission to use the name or to contact me my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Ever since I reported this company as putting the fraudulent activity back on my account, Ive been locked out of my account. I havent been able to access the Experian as of the very next day of the major reporting issue. Ive bought a XXXX and Im worried about someone going on the Experian account that Im locked out of someone probably has access to and disputing a charge that I Made my phone number did update one time to sent a verification code and then it never did again. Ive sent out a couple emails and documents saying I couldnt get into my Lock account. I never got a response. Experience has caused so much fraudulent activity, and scammers that when I go to buy a car, a bank will approve of it. The dealership doesnt. Experion has caused me to cause numerous companies going in circles, repeating myself trying to get problem solved and they put these things back on my credit report after they took them off. When I say fraudulent and scammers have infiltrated the companies, Im getting deposits in to my bank account for identity protection, and all kind of settlements and they get returned right back. Theres no telling how much money has been deposited into my account has sent back or someone else fraudulent has taken activity of it. I can go online and purchase a car and say come in and sign the paperwork but when I get there, they show me a different car they give me a different price. They dont pull out the car that Ive seen online they say, they can not sell your car without a cosigner or down payment Whenever Ive ran a credit check and been approved for it. When I try to call the message. Said call volumes are high try again later. if Im trying to make a major purchase, I get denied because my credit score isnt where it should be. and the scammers and fraudulent still has active control of my Experian account that created a checking account and numerous loans. that they could easily dispute a purchase that I made to my credit report. Life lives on credit. and I can not get this credit agency to do the right thing to purchase a car to purchase a house verify myself even after Ive been approved. Ive been let down. I dont know what experience has on my credit report now but the car lot once they see it they turn me down.
Product: Mortgage

I have been under contract since XX/XX/XXXX. My first closing date was XX/XX/XXXX. I submitted all requested documents, was conditionally approved, had the home inspected, and paid for the appraisal on XX/XX/XXXX. When I paid for the appraisal was the last I heard from Annie Mac Home Mortgage ( company NMLS # XXXX ) until XX/XX/XXXX when my loan was outright denied due to me being paid on commission. My loan officer, XXXX XXXX, was made aware of how I was paid in early XXXX and did not give me any indication that this would cause a problem. He never communicated with me at all. I found a new job in a few days and started on XX/XX/XXXX. The new closing date was set for XX/XX/XXXX. Since then I've had to : 1 ) request a copy of the appraisal report because I was never sent it, and I was asked to sign the disclosure saying that I declined to see it. 
2 ) provide complete account information for my grandmother 's bank account to validate gift funds, as opposed to 30 days transaction history like they requested. 
3 ) provide full account information for my father in law 's bank account and his business account to validate gift funds, as opposed to 30 days transaction history like they requested. 
4 ) resubmit my bank statement from XXXX because that was not given to the underwriter. 
5 ) resubmit my PIF letter for my car because it was not given to the underwriter. 
6 ) submit the invoice for my engagement ring to prove I'm engaged. 
7 ) submit photos of my engagement ring to prove I'm engaged. 
8 ) write and sign a letter stating how I'm qualified for my job and show my GPA in university to prove I'm able to remain employed. 
9 ) resubmit my father in law 's business bank statement because the processor, XXXX, said he never received it. 
10 ) make a dedicated social media post about my engagement because they still did not believe I was engaged. 
11 ) submit my fiance 's birth certificate to prove he and his father are related, which was rejected for not being an American document. 

I have emails regarding all of this information. The gift funds were present in my account all through the month of XXXX for the original closing date of XX/XX/XXXX and none of this information was requested. Nothing was communicated, they never spoke to me. I attempted to resolve my confusion with the company, sending emails to XXXX, XXXX, XXXX, and XXXX, on XX/XX/XXXX and it took four days of my fiance and my realtor calling XXXX to get him to answer me- and when he did, none of the information he asked me for fulfilled the requests of the underwriter. At this point this company has all of my and my family 's bank account information multiple times over and they are clearly untrustworthy. The lack of communication and the increasing stakes of the documents being requested- as well as discriminating against my partner- is unacceptable. I am supposed to close Friday and I still have not been cleared to close, and no one is responding to my complaints.
Product: Mortgage

Refer to complaint XXXX this is not resolved. Do the math. Get all payments from XXXX before loan was transferred to you, and yours, add it up, and figure it out. My escrow is still way too high. Reduce my payment and give me a refund on the escrow overage.
Product: Mortgage

We are currently on a 3 month trial for a loan modification that was a result of us requesting for mortgage assistance and I noticed on my monthly mortgage statement that I have unapplied funds in the amount of {$1500.00}. I called Carrington our mortgage company to ask if I am able to use that and they told me that I couldn't because I was in the 3 month trial period. While doing some research online regarding mortgage company policies and practices on this issue I came across a post from CFPB that I attached. Page 2 " Payments Credited Properly '' that states ... Servicers have to apply your full payments to your account as of the day they come in. If you pay only part of what you owe, the servicer may hold your partial payment in a special account. The servicer must tell you about this on your statement. When that special account collects enough money to make a full payment of principal, interest and any applicable escrow, the servicer has to credit that payment to your account. It also says that on XXXX that federal law requires this. I also asked Carrington if it was possible to make a partial payment so that the unapplied funds is enough to make a full payment and they said im not able to do that.
Product: Credit card or prepaid card

I have a Capital One Credit card that fell behind. I was able to make payments on time and bring the account back from over limit. It was during 2020 that my account then became restricted. I assumed it had to do with the amount of debt to credit limit ratio, so I began to concentrate on making large payments. After XXXX months the status was still restricted. I spoke with a CSR for Capital One. I was advised to keep paying on time and Capital One will unlock the account. I brought my account from {$3400.00} to {$500.00}. I called again and the rep said that once it is paid off they will close my account. I was upset because if they were going to close it I could have paid it off on a payment plan, instead they have charged me interest. So as long as I have a balance they will keep my account active. If they close it, I will lose a XXXX XXXX XXXX credit card with a {$3000.00} credit limit and it will negatively affect my credit score.
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. The identity of the entity or entities responsible for conducting the verification process. Any documentation or evidence used to substantiate the accuracy of the disputed items. I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX uses XXXX XXXX XXXX collection services to collect for them when someone defaults on their credit card account.. as they did with me. I settled the account in full with XXXX XXXX and XXXX  refuses to XXXX  out account claiming I still owe them {$280.00} I have called and talked to them and it just goes in circles and nothing ever happens. I have contacted Experian and XXXX  regarding this and this was their suggestion because they say that XXXX keeps sending back the same information and NOT acknowledging the fact that this account was closed and settled. I have attached a letter of satisfaction from XXXX XXXX. Please Help.