23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I originally obtained a loan for {$2400.00} from loanmart an payed it down to the last payment an was asked if id would like to take another loan because i paid this one off. One the same vehicle i decide ok that ill reloan the full amount. This was right before the pandemic an i believe i owed XXXX left an was {$14.00} dollers short on a payment an called to explain this. A Manager named XXXX got on the phone an told me " I was pathetic an that if i didnt pay the {$14.00} dollers he would come get the car an leave me an my kids walking in the rain. He said this laughing. Then other stuff like i hope you cant pay the {$14.00} dollers because ill do everything in my power XXXX just to make your XXXX walk '' At that point ibsaid Sir ive had enough of the threats to the point just come take the car then i hung up. They called me back from a cellphone immediately an said this '' XXXX, Ill burn your XXXX house down an leave your XXXX walking lol dont you know we have your address '' what he disnt realize is i had recorded it because i had a bad feeling it was them calling an i was right. The next day i called again an a female representative answered i explained to come get the truck an that everything was ok with it that i took the battery out of it but will put it in. She then said sorry, We cant take the truck because you said it was missing parts? Which i then stated mame the truck is in perfect oder an i dont want to be threatened anymore. She then states i owe {$15000.00} for the {$1800.00} i had left to pay. A couple representative contacted me afyer that an i played the recorded tape for them an they quietly apologized an hung up 3 different times.3 years goes buy an i hear norhing, I eventually get a different phone an no longer have the recordings as evidence because i thought because they threatened me an i clearly proved it to them that a manager threatened me on the phone the mattwr would be closed. Nope, Almost 4 years later im hit with a garnishment of my wages saying i owe XXXX for the XXXX i only owed them. How did it get to be that much? An why you think its ok to say ull burn someones house down is ridiculous over {$1800.00}. The manager that called me once knew exactly who this employee/Manager was who called me an told me this person was fired shortly after due to his unprofessional behavior an even apologized. I dont deserve this an i already paid one full loan an would have paid this one had i not been threatened an then after that my truck was towed away. So they towed the truck an still want all that money? Then stated they never towed it when we watched the tow truck come 5 days after that convo.. They are scam artists
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX - Acct # XXXX Please remove Inaccurate reporting
Product: Debt collection

I have called several times a day for months by a robo number that hangs up when I answer. Sometimes I call back to speak with someone and I'm on hold for twenty or more minutes at a time. 

When I finally spoke with a " supervisor " about this matter, I was told I would be sued. I informed him that I needed to verify this was my debt and he in turn said his scripted message and hung up. The document sent by XXXX is a standard letter that anyone can produce. 

I also gave this company my updated address to receive the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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: Mortgage

Today at XXXX My name is XXXX XXXX owner of property located at XXXX XXXX XXXX XXXX XXXX Maryland XXXX the county XXXX XXXX County. The name of my servicer is Greggory Funding LLC and my loan number is XXXX. In RE : Estate of XXXX XXXX XXXX. I am filing this complaint due to Mortgage Fraud, Negligent Lending, Breach of Good Faith and Fair Dealing and Breach of Fiduciary Duty. 1 ) I have been denied mortgage relief for the last XXXX. 2 ) I have n't received any meaningful temporary or permanent mortgage assistance in the last 24 months, servicer keeps increasing the late fees and penalties associated with my account yet refuse to offer mortgage assistance programs. 3 ) Lender is clearly steering me into foreclosure because they tell me the only option available is for me to pay arrears in one lump sum payment. I am approximately 65 months behind on my mortgage, how do they suppose I come up with that kind of money? Surely this can not be my only option, is it? 4 ) My lender has scheduled a Foreclosure Sale Date XXXX/XXXX/2016. I stopped it with a Chapter XXXX Bankruptcy I demand that lender halt any and all foreclosure activity in order to review and resolve this complaint in a manner suitable to both parties. 5 ) I believe a proper resolution will be to lower my payment to something reasonable I can afford on a monthly basis. 6 ) I asked Greggory Funding LLC for Proof of Claim showing that they have something that I signed showing or made a consideration for owing a debt to them I got nothing showing the debt they said I owed them anything.
Product: Debt collection

I mailed XXXXwo ( 2 ) Cease and Desist documents to XXXX XXXX, XXXX XXXX-Chase XXXX XXXX  XXXX I sent these documents certified mail, I received the return receipts. Which are stamped XX/XX/2021, when they signed for the documents. My Cease & Desist request that if they need to communicate with me, to do it by mail also 1. Zero out the balance on both credit cards. 
2. Reinstate this account and reissue me a card with the same account number.

3. Increase the limit to {$15000.00}, youre in violaion of 15 USC 1602 ( k ) when you denied me an increase on my open end credit plan 4. Furnish me the Audit Trail 5. Furnish me the entire File on me XXXX XXXX. 
6. Furnish all Documentary Evidence on me ; all documents, forms, files, correspondence, books of accounts, financials and corporate records.

7. Report {$0.00} balance on all consumer reports every month. 
XXXX. At this point you are in violation of 15 USC 1 and 15 USC 1693, take heed to all of my remedies or I will begin the legal processes. 
XXXX. I do not give Chase XXXX XXXX permission to speak to any third party regarding these alleged debts as that would be a violation of 15 USC 1692c ( b ). 
XXXX. I do not give Chase XXXX XXXX permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ). 
XXXX. I do require you, Chase XXXX XXXX to remove immediately information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

12. Pursuant to 15 USC 1692h ( If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer 's directions. ) I want all payment excluding the first one, sent to me the consumer. By check to the address furnished at the top. 

On XX/XX/2021 at XXXX, XX/XX/2021 at XXXX and XX/XX/2021 at XXXX, I was contacted by phone by XXXX. The first time was to tell me that they received my documents and are doing an investigation. The second time was to tell me that the investigation have started and they will get back to me asap and send me the documents I requested. On XX/XX/2021, I was contacted by XXXX, to let me know that my request has been denied and my remedies will not be met. My demands on the cease and desist where very clear and I reminded them that they have a copy of it in hand
Product: Credit card or prepaid card

post office overcharged for package. charged XXXX when should have been XXXX. 

Although TD initially did check- they refuse to make correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to obtain investigation documentation that verifies the validity of the XXXX charged off accounts that are being reported by XXXX XXXX XXXX. I have screen shots that show how the accounts list multiple different dates for " date of last payment '' and now today, as a result of a dispute I conducted with XXXX - XXXX charge off is showing XXXX days past due XXXX times when it used to list XXXX. This has dropped my credit score XXXX points. Aside from that fact that this seems like retaliation, if that information was factual it should have been included in the reporting when the account was charged off over XXXX years ago. Both of these accounts should be removed from all three credit bureaus or XXXX XXXX needs to send their investigation results/verification of the debt directly to me. This company is a predatory lender and can not just send template responses to what is a simple request- where is the proof that this debt belongs to me and why are there multiple reporting discrepancies across the XXXX bureaus?
Product: Student loan

I called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX AidVantage ( my former loan servicer was XXXX ) regarding refunding payments that I made after the pandemic was declared by the Federal Government in XX/XX/XXXX. I was told that I made payments totaling {$5600.00} during that timeframe and that amount would be refunded to the bank account that the payments came from within 4-6 weeks. 

Today, on XX/XX/XXXX at XXXX XXXX XXXX one day short of 8 weeks since I first contacted my loan servicer, I called to follow up on the status of my refund. I first spoke with XXXX, who told me that the refund would take around 12 weeks, which is more than double the time that I was originally told. After pressing her, she transferred me to another department so I could get the status of my refund. Once the call was transferred, I was told the refund would be via check, not to my bank account like I was originally told. I was also told that the refund was just processed today, but it would now go to t

he U.S. Treasury and it would take an additional 10-14 weeks to receive a check. This is unacceptable. In summary, I was lied to, mislead, and deceived. The refund should have been to my bank account within 4-6 weeks and I am now being told I will receive a paper check and it will take a total of 18-22 weeks ( 8 weeks for processing and 10-14 weeks for the Treasury to send the check ) .
Product: Checking or savings account

I was notified of a PayPal chargeback on XX/XX/XXXX for {$400.00}. I contacted the customer right away and she called her bank to cancel the unauthorized charge claim on XX/XX/XXXX. I informed PayPal that she mistakenly forgot about the charge and canceled the claim with her bank. I have made several calls to PayPal and my customer has make several call to XXXX bank and I still have not been credited back even though XXXX verified that PayPal received the funds on XX/XX/XXXX from the reversal.
Product: Debt collection

XX/XX/XXXX to XX/XX/XXXX XXXX Hospital ( XXXX XXXX Hospital ),  XXXX, CA. I was told when I went in for XXXX that my portion to pay out of pocket was {$2600.00}. I paid on XX/XX/XXXX - {$1000.00}. The remaining balance was {$1500.00}. I received so many different bills from XXXX  XXXX and I paid them either at once or I put them all on payment plans. The different bills had different account numbers. I have contacted them several times to verify who was owed and which account numbers went with who was owed. I have all of the payments I have made to XXXX XXXX up until XXXX. I was told I no longer owed any money. I received a phone call this afternoon from a collections company called Medi-Credit ( XXXX ) stating I owe XXXX XXXX {$1000.00}. I immediately contacted XXXX XXXXXXXX at XXXX, they transferred me XXXX XXXX XXXX who I did not need to speak with because I don't owe them any money. I had to call XXXX who stated XXXX forwarded my account for collections. I was referred back to XXXX main billing at XXXX. I asked to speak with a supervisor or who ever was in charge so that I could find out why I never received anything in writing or even a phone call if this money was owed from XXXX. The rep transferred me back to Medi-Credit. I  have been unsuccessful since XX/XX/XXXX of being able to get a bill for everyone who I owed ( XXXX Hospital, Doctors, XXXX, or XXXX  ). I just receive bills and I was just paying them because I did not want anything being submitted to collections. I just want and need clear answers to what they say I owe. I have every payment made to XXXX  and the various account numbers they have given me. Please can someone please help me?
Product: Debt collection

Theyre contacting my family members leaving vague, ominous-toned voicemails that theyre trying to locate me. Its creepy and bizarre.
Product: Student loan

On XX/XX/year> and XX/XX/year> I paid my full student loan payment of {$520.00}. My due date is the XXXX of the month. I was sent two delinquent notices and charged a late fee. 

Despite attempts to contact them to fix their error. XXXX getting nowhere. 

Please help
Product: Student loan

this school mislead me they told me i paying back a student loan that i cant even transfer my credit yet instill i cant retrieve them from the school they gave me false information and told me they will help me get my GED however they didnt not help me im still without my GED they promised me to help before graduating from XXXX XXXX i recieved my certificate in XXXX XXXX but i signed loans i wasnt fully aware of trying to make something of myself being a single mom i need help this loan should be cancelled im not responsible for the administration that mislead me on all the necessary information i needed to move foward
Product: Checking or savings account

Capital one bank closed my account on XX/XX/2024. They states they can not release the money out of the account because they can verify money thats in my account. I have called several times to try to get the to send the amount in the account. There is {$12000.00} in the account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address inaccuracies in the personal information listed on my Experian credit report and unresolved unauthorized hard inquiries. 
1. Addresses : The only correct address on my credit report is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX However, my credit report includes the following inaccurate and outdated addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX I have made several formal requests to Experian to remove these incorrect addresses, but they remain on my report. According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 1681i ), credit reporting agencies are required to investigate and correct inaccuracies on a consumers credit report within 30 days. Experians failure to act violates this section of the FCRA. 
Relevant case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ) : Establishes that credit bureaus must ensure the accuracy of consumer credit information and conduct reasonable investigations into disputes. 
2. Hard Inquiries : My report also includes the following unauthorized hard inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under the FCRA XXXXection 604 ( 1681b ), a credit bureau can not disclose a consumers report unless there is a permissible purpose or explicit authorization. I did not authorize these inquiries and have requested Experian remove them. Experian has not provided any verification or resolution. 
Relevant case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Highlights the duty of credit bureaus to remove unverified inquiries upon consumer disputes. 

Despite my repeated requests, Experian has failed to correct the inaccurate addresses or remove the unauthorized inquiries from my report. These failures have caused significant harm to my credit profile.
Product: Debt collection

(XX/XX/2023 ) I attempted to log into my account online and it is locked. I called the agency, asked for my account to be unlocked then spoke to them to see if a negotiated amount to resolve the account is an option. I was given an amount and stated I needed to checkmy finances and will call back or log into the account and resolve the matter. They were pushy and adimate they would stay on hold while I checked my bank. I explaned this is not a 30 second decision and I need to look over other bills before I make my decision and I would still like my account to be unlocked. They still were very pushy and I ended the call. 

( XX/XX/2023 ) I attempted to log in to my account, it was still locked. I received a phone call from the agency wanting to review the offer, I stated my account is locked and I would like it unlocked. I was told no to unlocking the account. I ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi- On XXXX I opened an account with XXXX XXXX XXXX XXXX which pulled my credit report from Equifax . On that report was a collection from XXXX XXXX which doesn't show up on my reports obtained directly from Equifax dated XXXX or XXXX. This debt/account is beyond the statute of limitations and Equifax has been deceptive in providing reports to me which do not show this account, while at the same time providing lenders/banks this negative information behind my back.
Product: Student loan

In XXXX, my loan servicer was transferred from XXXX to American Education Services http : //www.aessuccess.org/ In all of the years in which I 've paid my loans ( nearly a decade ) I 've never had so many issues with the transfer of information, data, etc. I have filled out their online form for direct debit three times, endured customer service representatives lying to me about how my transactions were processed, received several pieces of mail in which they stated my interest rate had changed ( it had not ), and all the while there were several interactions in which supervisors told me that they were researching my account to see what happened ( while keeping me on hold for approximately 20 minutes ) without receiving an answer.
Product: Debt collection

I received a credit hit XX/XX/XXXX from Hunter Warfield INC. I received a call from them XX/XX/XXXX with them claiming I owe my previous apartment complex XXXX XXXX. I told the representative I didnt owe them anything and that this was the first time I had been contacted about any debt since I moved out XX/XX/XXXX. I told the representative I was disputing the debt and that I was also in active XXXX  XXXX bankruptcy. I havent had any communication attempts towards me until I saw they hit my credit XX/XX/XXXX. I work for a bank doing collections compliance and am fully aware of the regulations they broke. First XXXX XXXX, who they claim I owe, didnt contact me once from XX/XX/XXXX until I received a call from Hunter Warfield in XXXX of XXXX. After I explained I was in XXXX  XXXX bankruptcy I recieved a credit hit. They have broken TCPA violations, FDCPA and hit my credit while in active bankruptcy while trying to collect a debt I don't owe. I want my credit hit removed as well as any and all debt they claim I owe. I know each TCPA, FDCPA and bankruptcy violations carry hefty monatary penalties. If these actions can not be met I will have to move forward with my attorney and subpoena all collection attempts by XXXX XXXX and Hunter Warfield
Product: Debt collection

Debt was previously settled with another XXXX Appears original creditor is still trying to collect the remaining balance after agreeing and accepting a lump sum settlement payment. 

Tried to call new XXXX no one answers the phone!
Product: Money transfers

In XXXX 2016 i sent the funds to XXXX for XXXX $ $ so ... i paid pretty big fee for the that service and western union was supposed to reward me for XXXX $ XXXX gift card for placing the order as me being a new customer. The incentive never was awarded.. i indicated the email that WU was supposed to use XXXXXXXXXXXX. I gave them a call to discuss this issue but they continue saying to keep waiting which does not make any sense. Hopefully you can help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, City National Bank ( " CNB ) filed a lawsuit through their collections lawyer, XXXX XXXX XXXX against me for collections for three accounts I had with them including a personal credit card ending in XXXX. 

On XX/XX/XXXX, I entered into a settlement agreement with CNB which was signed by XXXX XXXX, Assistant Vice Principle of CNB. In exchange for payment of {$78000.00} which I made, CNB agreed to " to cooperate with [ me ] if [ I ] file any dispute with any credit reporting bureaus as to the current status of such outstanding loans in dispute in this litigation only... including without limitation to not dispute any requests by [ me ] to have such negative credit entries removed from my credit history in response to any requests by me. 

On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX and asked them for a deletion letter pursuant to the settlement agreement for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also informed them that I was in the process of buying a house and needed this so my XXXX XXXX can increase for a loan. 

On the same date, XXXX XXXX and XXXX XXXX informed me that they would not provide me with a deletion letter. Specifically, he said that the agreement does not require them to take " proactive steps and write letters on my behalf despite admitting that the settlement agreement requires CNB to not dispute any request by me to remove the negative entries from my credit. XXXX XXXX also offered to contact the credit bureaus and inform them that the account was settled. 

On XX/XX/XXXX, I informed him that I do not want CNB to respond to the disputes or confirm with the credit bureaus that my account was settled. XXXX XXXX confirmed that CNB would not respond to my requests to have the negative entries removed on my credit report. 

On XX/XX/XXXX, I received a letter from XXXX XXXX, Assistant Vice President of CNB stating that they could not process my request for a deletion letter. 

On XX/XX/XXXX, I was informed by XXXX XXXX XXXX, and renowned expert credit analyst and witness that CNB actually responded to my requests to have the above negative credit entries removed and in fact confirmed the entries.Ms. XXXX, in her capacity as an expert witness, reviewed the agreement and my recent credit report and has determined that CNB is in breach of its agreement with me. 

I have no other choice but to proceed with filing a lawsuit to enforce the terms of the settlement agreement. If I don't receive the deletion letter I requested from CNB by Monday, XX/XX/XXXX, I am going to court and I am going to hold a press conference about how CNB treats its customers. 

Thank you for your prompt attention to this matter.