23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2024, we called to request a XXXX lease extension for our lease for account " XXXX '' to allow us time to have our new vehicle built and delivered. We were told by the agent that a letter would be mailed extending our lease for an additional 30 days and to sign that document and submit our lease payment. It is important to note that this call was taken by an agent who was not in the XXXX call center. We were advised by the representative to not make a payment until we received the document. This is the same process that we were advised of on our original lease extension. 

We never received this letter, and sent payment anyway because we still had the vehicle and wanted to honor our agreement. As promised, we turned our vehicle into the dealer on XX/XX/2024. We then received a letter stating that we were billed for having the vehicle for additional days for a rate of approximately {$80.00} per day. 

We called Ally and was told there was no record of the call and they could not make any adjustments. The representative XXXX first advised Ally mailed the document, and that we did not return. I requested the date of that document and he advised that it was sent on XX/XX/2024. I advised him this was the first request. He then confirmed that they did not mail the second request because they did not see our request on file. Although it was made via phone on XX/XX/2024. 

The representative apologized and advised there was nothing they could do because they did not have the lease extension document. They don't have the document because it was never mailed as the previous representative stated.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX my XXXX financial services amount was increased from XXXX to XXXX and has constantly been increased and decreased repeatedly. I have screenshots to prove it. Explain to me how that is legal?? Cause that effects my credit and gets my disqualified from opportunity which is discrimination. This XXXX needs to stop 3 months of this nonsense is really XXXX me off
Product: Credit reporting 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 confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate XXXX XXXX Reported : XXXX XXXX, XXXX {$8600.00} XXXX Reported : XXXX XXXX, XXXX {$20000.00} XXXX Reported : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time XXXX reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.
Product: Checking or savings account

XX/XX/2022, I made a payment to XXXX XXXX XXXX XXXX XXXX from my checking account with Chase Bank. I made a second payment to the same payee later in the month, and it was returned. On investigating this with both Chase and with XXXX, I found out that I somehow had selected the wrong address for the payee. I went to the bank in person and watched the woman employed there call the same XXXX number I could call from home. She was unable to help in any way. I was told that they had proof of payment and that XXXX had cashed the check or received the payment, but XXXX had no such record. On calling back today, nearly a month later, and escalating to a supervisor, I learned that the payment went to a company called XXXX XXXX XXXX, who I had never heard of. I asked why XXXX XXXX XXXX had received a payment that appears in my account as having been paid to XXXX XXXX XXXX and never received a satisfactory answer. On calling XXXX XXXX XXXX, they tell me that the payment from XX/XX/XXXX should have been immediately rejected and the funds debited from my account reimbursed. They were not. XXXX XXXX XXXX does not appear to have my money. The proof of payment provided by Chase is meaningless to XXXX XXXX XXXX, and to XXXX XXXX. What is it proof of, exactly? I know the money left my account -- but where did it go? 

Several hours of my time was spent being transferred from department to department, and it took a *month* for a supervisor to tell me the money went to XXXX XXXX XXXX *after* having been told several times it was paid to XXXX XXXX XXXX. 

Chase has wasted an incredible amount of my time failing to appropriately track and handle my money. They owe me {$200.00} and their customer service is unable to live up to their obligation.
Product: Debt collection

I have contact the creditor multiple times Since the creditor has failed to provide sufficient documentation proving that this debt is valid and that I am responsible for it, I request that it be removed from my credit report immediately. Under the FCRA, unverified debts should not be reported, and I ask that you investigate this matter promptly. 

I stated.. 

If this matter is not resolved in a timely manner, I am prepared to escalate my dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies.
Product: Debt collection

I had a wage garnishment with CCB in XX/XX/2019 ... after learning that XXXX was not going to work with me because he felt I was withholding information about my income I agreed to the amount of XXXX every two weeks to fulfill the amount which was approx. {$2400.00}. The payment was fulfilled based on the order I received and my job stopped the garnishment. Sometime In XXXX, XXXX with CCB called my current employer and stated that he wanted payment for another {$2800.00}. My employer then complied because he faxed an altered document with a written amount. I NEVER received any type of paperwork nor did I agree verbally to this account as the XXXX every two weeks has put a strain on my finances. I have called my payroll department and they are not educated in the South Dakota laws concerning garnishment or wage assignment. It is very concerning that XXXX was able to call my job and STATE this info without any judgement or court order. Also that I have tried several times to call and he sends me to his voicemail and calls maybe 3-4 days later or only after I have talked to my employer and they contact him ...
Product: Student loan

I have been denied 6 times for teacher loan forgiveness. I have been over my paperwork 6 times with FedLoan Servicing and they don't understand why I am getting denied either. I have been told that I can not speak with anyone at the government level and that I can only communicate with FedLoan Servicing. FedLoan has even talked to my employer, XXXX XXXX XXXX, to confirm employment for 5 years and I keep getting denied. I need a concrete answer as to why I am being told I have not done 5 years of service when I have. Where is the lapse in my service so that I can understand how to fix it if there is even an error on my part. Thank you! 

It is my understanding that you can teach at different schools within a district as long as the schools are Title 1. In XXXX, I had split duties between XXXX XXXX XXXX and XXXX XXXX XXXX. In XXXX, I was assigned to XXXX XXXX XXXX. From XXXX, I was assigned to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX XXXX Balance : {$19000.00}
Product: Mortgage

In XX/XX/XXXX I obtained a loan from Bank of America to purchase a building for my medical practice. Due to the economy, I had to close my practice in XX/XX/XXXX and now the building is under water. There is a short sale on the table, but BOA wants me to have personal resposibility for the almost {$200000.00} deficit with a variable rate of interest. At this point, the principle balance has been paid from the mortgage loan, and the interest of 9 % that was obtained by the bank from the line of credit that has now been paid off. Also, I feel there has been a level of malice from the loan officers at BOA, as I have tried to work something out with them since XX/XX/XXXX. On XXXX occasions, I was asked to submit financial statements and tax returns, only to never hear from anyone. My case has been turned over to a private debt collector, even though BOA has its own internal debt collection agency. I would like the matter resolved by the writing off of the balance from the short sale or at least only be liable for the difference in price from the appraised value and the short sale. Due to personal liability, this puts my personal residence in jeopardy.
Product: Credit card

Capitalone credit card doesn't have features that are available for military personnel and there family members that are XXXX XXXX 
I have made several calls about my cards. They have locked me out of my account for almost a year. When i thought we had gotten some sort of understanding, I am still without a card
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNT ON MY REPORT THAT ITS INACCURTE LIKE EXAMPLE SOWING CLOSED EVEN ITS STILL OPEN, ITS SHOWING LATE PAYMENTS AND I ALWAYS MAKE PAYMENTS ON TIME I HAVE PROOF FOR THIS I ASK COMPANY TO PRROF ME DOCMENTAOIN THAT ITS ACCURTE AND THEY NEVER SEND ME PROOF OR DOCOMENTS
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I've tried to resolve these issues with them before. They're violating my rights, and I'm owed {$1000.00} for each violation I mentioned. They need to either pay me or delete these accounts right away.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I received {$2700.00} from NetCredit in my bank account that I did not apply for. I called the company inquiring about the funds. I learned that on XX/XX/XXXX, an application was completed using my maiden name, an old address, an old telephone number, my social security number, my email, and bank account information for {$3000.00}. I received an emailed confirming that I was approved for {$2700.00} deposited into my bank account. The customer service rep informed me that I would have to file a police report for identity theft in order to refute the application. I told her that I want to give the money back because I didn't apply for it, she transferred me to a department that would allow me to do so, but after being on hold for 20 minutes, I hung up. I called again on XX/XX/XXXX, sharing the same information wanting to send the money back, I was placed on hold again, this time I waited for 30 minutes before I hung up. I called again on XX/XX/XXXX seeking to pay the money back but to also inquire about an email I received stating that my application with the same account number and application number as the approved application was denied. This time, to the rep, I stated that I would have my bank send the money back to them if I'm not able to give it back and that I'll report them to the police for entrapment because they wouldn't allow me to pay the funds in order to keep me in the contract and eventually having to pay the monthly installments. She also couldn't explain why I receive the second email that my application was denied. She transferred me and this time I waited an hour before it just disconnected the call. I called again today, XX/XX/XXXX, and for the first time, my number was recognized because before they couldn't locate my account because my phone number wasn't connected to the application and my name wasn't connected to the application. I always had to provide the account number in order for the rep to find my account. After I entered the last XXXX digits of social security number, I was placed on hold to be connected to a rep and after XXXX minutes, no one picked up. I hung up and called again, same thing happened. I haven't been able to speak with a live person since XX/XX/XXXX. I created an account online and have attempted to pay the loan, but when I clicked on " Make A Payment, '' I received the following message : Sorry, we are unable to process your request at this time. Please call us at ( XXXX ) XXXX for further details. With my husband, we launched our own investigation and found that CashNetUSA is affliated with NetCredit. This information is relevant because I have applied for payday cash advances from CashNetUSA, and the first time I did so, I was approved with the information that was used to apply to NetCredit. Based on the XXXX XXXX lawsuit when bankers were creating accounts using customers ' information, we believe a similar situation has taken place to explain how this happened to me.
Product: Credit reporting or other personal consumer reports

I keep noticing that my credit report contains incorrect personal information, which has led to accounts appearing that I have no connection with. I am a victim of identity theft, and my personal information was used fraudulently, resulting in these unauthorized accounts being added to my report. Following the proper steps, I filed a report with the FTC as advised by Experian and submitted all necessary documentation. Yet, despite my efforts, these fraudulent accounts are still on my report. This is extremely frustrating and is negatively affecting my financial standing. These accounts and data are already deleted by both XXXX and XXXX for being erroneous, unauthorized and fraudulent yet you keep reporting it on my credit, this is a blatant violation of my rights as a consumer.
Product: Debt collection

I have disputed this account twice and each time it comes back as verified and this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, 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 Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and
debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Money transfer, virtual currency, or money service

XXXX sending funds to the wrong payee without a password or warning
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus that I am complaining about have not only defamed my character, they have violated my rights to privacy and caused me emotional and physical stress!!! I want them to cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete the public record from my consumer report and all their systems. Why are these public record still on my consumer reports when they are unverifiable and I have sent proof that they are unverifiable? 

Public Record - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY CLAIMED THAT THIS INFORMATION WAS PROVIDED FROM XXXX XXXX, XXXX OR THE BANKRUPTCY COURTS BUT I HAVE PROVEN THAT IS NOT TRUE. I HAVE ATTACHED THE LETTER I RECEIVED FROM THE COURT THAT SHOWS THE COURT DOES NOT VERIFY PUBLIC RECORDS AND THE LETTER FROM XXXX XXXX THAT SHOWS THEY HAVE DELETED THESE PUBLIC RECORDS FROM MY CONSUMER REPORT DUE TO NOT BEING ABLE TO VERIFY THE ACCOUNT WITH PACER OR THE COURTS. I HAVE ATTACHED THIS LETTER AS WELL. THIS SHOWS PROOF AND YOU MUST FOLLOW SUIT SINCE THESE LOCATIONS ARE WHERE YOU CLAIMED THIS IS WHERE THE INFORMATION CAME FROM AND PERMANENTLY DELTE THIS BANKRUPTCY FROM MY CREDIT REPORT. 
My inquiry to the U. S. Bankruptcy Courts confirmed THEY HAVE NEVER VERIFIED THIS PUBLIC RECORD, or verified this public record entry on my credit report, neither will they ever be by them. XXXX XXXX NEVER VERIFIED THIS WITH THE COURTS OR WITH PACER. The US Bankruptcy Court further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currentlyshowing under my social security number to be PERMANENTLY DELETED from my consumer reports immediately. 

They need to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number.

They have not only defamed my character, they have violated my rights to privacy and caused me emotional and physical stress!!! Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. 
Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these public records from my consumer report and all your systems. 

I have attached all of the proof I have that they are violating my rights. The letter from XXXX XXXX and the courts along with my dispute.
Product: Debt collection

I had an account with XXXX. The account was paid in full and settled in XX/XX/2020. XXXX is still reporting that I have an unpaid balance to the credit reporting agency Equifax. I have consistently reached out to XXXX asking them to update my account information and they have not. 

I also reached out to Equifax sending the documents to prove that the accounts been paid. Equifax asked me to provide my identity. I submitted all documents requested. Upon submitting documents, Equifax sent me a card saying they could not find my credit file. I'm not understanding. I am getting a run around from both XXXX and Equifax and this is becoming stressful. I have submitted all proof needed and requested documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company unable to provide proof of debt to Equifax and to consumer. Equifax has not processed my dispute filed in XX/XX/XXXX. Equifax has not removed the item from my credit report. I have directly disputed ( and continue to dispute ) this item since XXXX of XXXX.
Product: Credit card or prepaid card

I called on XX/XX/XXXX to get my remaining balance of {$520.00} left from a prepaid debit card for child support from XXXX State. They said a check would be sent within 15 days. I called again on XX/XX/XXXX and was told it had only been 14 days and to call again if it didn't show up the following day ( XX/XX/XXXX ). 
The chack had not come by XX/XX/XXXX and I called again and was told the check was never sent the first time, but would be sent this time. I waited another 15 business days and no check came. I next contacted the XXXX State Attorney 's General office and filed a complaint. Bank of America had a collections agent call me to acknowledge the complaint on XX/XX/XXXX. They were then required to contact me again by the XXXX. He called and left a voicemail and I returned the call within 5min and left a message. I called again at XXXX that day and again at XXXX and XXXX the following day and again to following Monday ( XXXX XXXX, 2019 ). Each time the call went to voicemail and my calls were not returned. In addition to the balance, I would like a list of any fees that have been charged.