23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had service with XXXX  but was unable to keep it due to lack of funds. In XXXX I was able to start paying down my balance which was {$240.00}. I paid {$48.00} to XXXX with the understanding that I would pay each month thereafter until the bill was paid in full. I then paid on XX/XX/XXXX another {$50.00} leaving a balance of {$150.00}. On XX/XX/XXXX I got a letter from an attorney, Mr Cobb stating that I had 30 days to dispute or pay a discounted amount by XX/XX/XXXX. Then upon checking me credit reports I find that a collection agency named XXXX XXXX XXXX in Alabama on behalf of XXXX advised the three credit bureaus that I have a collection account for {$150.00} which has negatively affected and impacted my credit reports. I was never told by XXXX that my account was being handled by a collection agency and they XXXX continued to accept my payments in XXXX and XXXX instead of letting me know that my account was being handled by any collection agencies. The attorney 's letter, Mr. Cobb, I received was the first time I found out that anyone was trying to collect from me since I was paying XXXX myself. I never got a letter from the XXXX XXXX XXXX  nor XXXX  stating that they would be placing this info on my credit reports as even the attorney 's letter gave me time to dispute or pay and them within a certain time period. Of course if I didn't do anything within 30 days I would expect it to go on my credit reports. However, like I said I have paid XXXX  and I had a right to know their intentions of putting it on my credit report before they did it and before sending it out to collections since I was already paying my account down myself. My intentions were to pay it off so I could resume service with XXXX as soon as my balance was paid. They neglected to notify me that even though my account was closed and they were in fact accepting payments from me that they had in fact sent my account out to bill collectors as if I were not making any payments to them and then it was placed on my credit reports making it look like I had owed XXXX  monies that XXXX  could couldn't collect from me and that simply is just not true.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit record. Could you kindly review the paperwork? Several of the cited entries are flawed in terms of reporting, with inaccurate amounts and dates.
Product: Credit card

For the past three days I have been unable to use JPMC online account secure messaging to inquire regarding a recent mystery email. Clearly JPMC is not using automated monitoring solutions to ensure that customers can reach out to JPMC customer service for off-line research and follow-up. This is basic customer functionality which should not be dependent on consumer outreach to JPMC via phone.
Product: Credit card or prepaid card

I have been attempting to restore use of my credit card with capital one. I have made monthly payments on time and over the minimum payment due. I have also been making additional payments to ensure the balance is lowered. I have contacted capital one on many occassions to have them review the card to grant access since the account is not delinquent nor has it been for almost 4 months. I have advised that I got better employment allowing me to make the payments and keep the account current and active. They only provided one offer, however I  advised that at the moment the offer was given that I was underemployed. I have contacted capital one multiple times trying to have them review the account and provide them proof of income, etc to have them restore the card. They refuse to restore and refuse to assist. They won't put me in touch with someone who can make the necessary adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXXt is showing up on my report. I had an agreement saying that my arrears should be off my credit report. It should be in the courts records this matter should of been solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to report my payments. I contacted Experian who contacted XXXX and nothing was resolved.
Product: Vehicle loan or lease

I bought a vehicle from XXXX of XXXX ( XXXX ) XXXX on Sunday XX/XX/2021. I was approve for 9 % with XXXX XXXX on XX/XX/2021. The dealer refused to go with XXXX XXXX and went with Ally who is charging me 14 % interest rate. 

I am XXXX, on XXXX because of XXXX and have limited income and I believe they lied or did not supply accurate information on my loan to get approval. 

Ally will not refinance the loan without dealer approval and the dealer absolutely will not allow me to finance with XXXX  at the better 9 % rate. 

The dealer has my trade in and {$12000.00} cash and I am stuck with a vehicle I may not be able to afford at the current interest rate. 

I spoke with XXXX XXXX the XXXX, XXXX XXXX the Sales Manager and XXXX XXXX. They only offered me a {$200.00} gift certificate and refused to assist me in getting the approved rate from XXXX. 

I feel they took advantage of my limited metal abilities and limited social skills. I don't understand how they can do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my understanding XXXX XXXX XXXX TransUnion drop my score by XXXX incorrect information being reported unlawful including XXXX XXXX  XXXX they supposed to delete that from my credit report XXXX TransUnion XXXX refuse to comply with federal regulations guidelines reported incorrect information or to investigate not drop people score to harm my credit my self account is paid in full my credit score drop I here request them to put my score were it was or file civil action lawsuits against the company fraudulent activity personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
*** Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Checking or savings account

I contacted Robinhood support to delete my brokerage account account and all the profile related information permanently which I never used or no longer intend to use but the company has failed to do so, I can still login into my acount using the same creditials and I have tried to contact them multiple times but have not recived any help. This is a clear voilation of consumer right.
Product: Credit reporting or other personal consumer reports

I AM A XXXX XXXX XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A XXXX OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Student loan

On XX/XX/XXXX, I had an unauthorized ACH from XXXX XXXX XXXX XXXX in the amount of {$160.00}. I notified XXXX XXXX XXXX XXXX on XX/XX/XXXX of the error given that all my student loans were paid off in XXXX. The lender refused to reverse the payment without the party that authorized the transaction to confirm despite the fact that clearly the transaction was not authorized given I 'm the owner of the checking account that is now disputing the charge. The lender then noted that I should just discuss the matter with my own bank and let them handle the dispute. I told the Great Lakes representative that they should be the one reversing the charge given they made the error and were the ones that initiated the ACH. The representative later indicated that they would put in the stop request ; however, it would take 30-45 days to make the adjustment. I indicated that this action was absurd that I should carry the burden for 30-45 days considering it was an unauthorized transaction. There was little remorse from the lender for the error. They also indicated that they could not confront the party that caused the unauthorized transaction. Once again, all of my loans are paid off and there should be no reason for this lender to be debiting my account. I also think it is ridiculous that a consumer should be carrying the unauthorized charge on his/her own account for 30-45 days.
Product: Credit card or prepaid card

TEXAS XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX XXXX XXXX IS MY NEW ADDRESS
Product: Credit reporting or other personal consumer reports

Good morning : I have tried to dispute a fraudulent medical bill reported on my Credit Report. The company involved is saying that this is my bill. I am a XXXX veteran and have never been to a " XXXX XXXX XXXX ''. My medical needs are tended by the XXXX XXXX XXXX. I believe this to be an attempt to defraud me. Please see report from Equifax attached hereto. Thank you.
Product: Student loan

I had a student loan years ago, currently serviced by XXXX XXXX, i filed XXXX on XX/XX/XXXX to pay the debt in full for XXXX account {$12000.00} and {$1100.00}, they never applied the funds. I also let them know that they never actually loaned me any money, instead they created a promissory note off my signature and pretended to loan me the money that was created which is fraud and they failed to report this income and instead collected XXXX,, I further filed a XXXX for each account which cancels the debt on XX/XX/XXXX, the still failed to acknowledge that i owe them nothing, i further sent them XXXX promissory notes on XX/XX/XXXX which were received and are legal tender, they have not been returned and therefore according to law they are accepted and these debts are XXXX under the postal rule and the law.. I called them today XX/XX/XXXX and requested a FULL accounting and ledger of how the " loan '' came to be, also requested a XXXX due to them evading taxes, and making money off my signature.. 

this debt is paid in full and or cancelled out it needs to be updated
Product: Credit reporting or other personal consumer reports

I went in for a XXXX XXXX XXXX XXXX and received information in a billing form that my insurance was checked and a product registered without my verbal permission. This information action is still running. I attempted to delete my registration and they continue to roster my for appointments.
Product: Credit card

On or about XX/XX/2024, I disputed the {$740.00} ( XXXX XXXX XXXX XXXX dollars and XXXX cents ) charge posted on XX/XX/2024 ( See attached ). The credit card company was sent a copy of my letter that requested a refund from the merchant ; otherwise, there would be a charge back to my credit card. Meanwhile, the card issuer did not give me a temporary credit for the amount. Furthermore, during today 's telephone conversation, the employee said that my dispute was denied on XX/XX/2024. However, she could not provide any documentation to support the merchant response to my letter. Still further, she said that is was " not our job to contact the merchant for you. " Lastly, this was a flagrant violation of the Fair Credit Billing Act ( FCBA ) that provides, among other things, temporary credit, card issuer help the consumer with the merchant, and the disputed amount be charged back to the credit card when the merchant fails to respond. ( See attached )
Product: Credit reporting or other personal consumer reports

Equifax is reporting an auto loan I paid off in XX/XX/XXXX as being over 60 days delinquent in XXXX XXXX Originally, it was reporting as being delinquent in XXXX XXXX I disputed it and Equifax changed it to XX/XX/XXXX which is an error, but the statute of limitations would remove it. 

However, today the loan is being reported as being 60 days delinquent 12 months after the loan was paid off.
Product: Debt collection

Navient has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit card or prepaid card

I called Capital One on XX/XX/22 at XXXX am. I spoke with a person named XXXX who transferred me to a specialist by the name of XXXX employee # XXXX. During the call I asked XXXX if she was familiar with negotiable instruments. XXXX replied that she was not familiar with it and that she could not look it up and/or receive emails from me to send her the definition of negotiable instrument. I proceeded to give XXXX the definition and ask her if she was familiar with any Uniform Commercialized codes in particular UCC 3-603b, at which time she informed me that she wasn't. I then read UCC 3-603 b to XXXX to make sure that she was aware of what UCC 3-603 b sites. I informed XXXX that the wrong amount was credited to my account and ask if she would be crediting my account for the full amount, at which time XXXX read part of the provision that was written on the negotiable instrument and informed me that she could only credit my account for {$1.00}. I then asked, to be clear, you are in fact telling me that you will not be following the law and actually crediting my account and discharging it for being paid in full at this time? XXXX informed me that she would not be crediting my account and discharging it for being paid in full in the amount of {$2600.00} but only for {$1.00}. The call was ended at this time.
Product: Checking or savings account

Citibank. 
I wrote a check for {$10000.00}. to XXXX XXXX in Virginia as a deposit for the purchase of a property in Virginia. We reside in California. We began to receive text and email " Fraud Alerts '' from Citibank. Citibank wanted us to push a button that said that we 'DID ' or 'DID NOT " write check # XXXX on certain day for {$10000.00}. Well, we did write a check for {$10000.00}. but the check was check # XXXX, not # XXXX. We did not want to push the button for the wrong check number, but we did not want to jeopardize the purchase of the property, because we did indeed write a check for {$10000.00}. on said day. We drove to Citibank in XXXX XXXXXXXX, California. The banker, at her desk, had us call an XXXX number. When we spoke to the Citibank Representative, she was useless and had us call another XXXX phone number for another department .... and around and around the XXXX phone numbers we were routed. No one could help us and we finally gave up. The bank representative at XXXX XXXXXXXX Citibank had us move from her desk because we were on hold for so long. 
The bankers at Citibank would not help us resolve this ; they either could not, would not, didn't have a clue as to what to do, or did not have the power to effect a resolution. 
We were floored and finally left, problem unresolved. 
I called the real estate agent in Virginia, who said ... .. " well, I dunno ... .. just push the button, I guess. '' So ..... I did. 
I don't think it was fraud, I think that the electronics picked up a 6 instead of a 5, that the electronic 'eye ' read XXXX instead of XXXX. But, shouldn't Citibank be required to intercede and resolve this check number inconsistency? 
BUT .... not one in Citibank could/ would help me resolve this! We were in the bank in- person. They could not or would not over-ride the system or communicate with the fraud unit to resolve this important matter ; all they did was tell me to call an XXXX phone number.
Product: Credit reporting or other personal consumer reports

These unknown hard inquiries were placed on my credit reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Stating from 15 USC 1692a, I'm a consumer, it means any natural person obligated or " allegedly '' obligated to pay any debt. I, the consumer would like for you to verify this alleged debt that you have placed on my credit report. I do not have a contract or agreed that I will be paying this alleged, stating from 16 CFR 433.1 ( f ), it says a contract any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. I would like for you to provide the following for me : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state -Provide me with your license numbers and registered agent or agent of service
Product: Mortgage

Homeowner applied for 2nd modification due to reset of first modification which caused a payment increase, at the time of the application she was not delinquent. Homeowner was approved for 2nd fixed rate modification for the life of the loan. All payments were made on the trial but after receiving permanent agreement, the deferred principal amount from 1st modification increased by XXXX. Housing counselor had several calls set up with Ocwen to clarify difference in deferred principal amount. homeowner was told several times not to send in permanent mod until dispute was resolved after the homeowner finally understood the permanent mod, she was told that she was 5 months delinquent with a total of XXXX. Ocwen is not accepting payments or 2nd modification.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute with Experian on XXXX in reference to a collection account with XXXX XXXX XXXX. The collection was paid in full to a company other than XXXX XXXX. I was notified that XXXX XXXX no longer owned the account and could not accept payment. The results came back on XX/XX/XXXX and Experian reported the account as still open and not paid. On XX/XX/XXXX, the account status was updated as being paid, however Experian did not address the fact that under the FCRA, an account can not be reported or updated if the reporting company no longer owns the debt. At the time of payment XXXX XXXX XXXX   XXXX owned the debt and that is who received the payment in full ... not XXXX XXXX. Experian told me that they were unable to open a new dispute because the account has been paid and advised me to wait 7 years until the collection is removed even though the information regarding the owner of the debt is incorrect. This is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX,
Product: Debt collection

I have told them to stop calling me. They keep calling from spam numbers and call 3 or 4 times a day. I have told them to stop calling and they don't. This is getting old.
Product: Credit reporting or other personal consumer reports

Consumer Submitted method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. All documentation by email or mail.

FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is seven years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of XXXX XXXX XXXX  charge off from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.
Product: Mortgage

We have a new loan holder who says we are behind 18 months wish we are not also saying we owe taxes that they paid witch they did not now they are saying we are in default because we won't let her use our drive as a easement for her sub division next to our property.stewart title at XXXX XXXX XXXX is who we make our pymts to an they are recklessly handling our account by not accounting for payments we made.takung our payment an saying we owed some tax fee which we do not owe all that is in our monthly payment.now they are not taking our payments sending them back to us saying our account has been frozen from the new lien holders .now they are saying we forfeited our property which we have not.we need help we feel like they are trying to fraud us an we need help.th owner has sent people to our residents to intimidate us.they threaten us with the property.we don't no what else to do
Product: Credit card or prepaid card

Submitted card application from a Credit Karma advertisement that mentioned I had high chances on getting approved and was denied. Looks like issue keeps happening and my credit score got affected because of this.