23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/2021, I unfortunately faced financial difficulties due to the XXXX pandemic. In order to manage my finances responsibly and meet my financial obligations in the best possible way, I contacted XXXX XXXX to request a deferral of my credit card minimum payment for those two months. The phone conversation I had with one of their customer service representatives assured me that my request would be processed without any issues and that no late payments would be posted to my account as a result of this deferral. Take the representative 's word for it and follow the instructions provided. 

My lease is about to end here at my lease home for me and my kids and I am looking to buy a house. 

I ask you to be so kind and help me change these late payments from late to on-time. 
Help our family get approved for a new home. If we can't change this, there's a big chance we could become homeless and you're my last hope, I hope you can help me. 

Listed below are late payments that are NOT accurate and those dates should be changed to PAID. 

As agreed Account Name : XXXX Account Number : XXXX Report dates not specified : XX/XX/2021 and XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first missed payment was in 2015. Please delete this entire account from my credit profile as the 7 years has lasped. ( XXXX XXXX Acct # : XXXX )
Product: Debt collection

On XX/XX/year>, I received an email from XXXX XXXX XXXX  ( XXXX ) claiming I owed a balance for classes I did not take. The email stated I had until XX/XX/scrub>XXXX XXXX  to contact them at XXXX to discuss payment options. 
My attempts to resolve this issue : XX/XX/scrub>XXXX XXXX XXXX Called the provided number, was on hold for XXXX hour without speaking to anyone. Sent an email requesting to speak with someone about the balance dispute. 
Received an automated email acknowledging my message, warning that further emails would be sent to the " back of the line. '' Approximately XX/XX/year>XXXX XXXX  Called again and spoke with the financial office. They couldn't answer my questions and transferred me to the XXXX department. 
The XXXX department was also unable to help and transferred me to the XXXX 's office. 
XXXX a voicemail for the XXXX explaining the situation and requesting a call back. Never received a response. 
XX/XX/year> : Received another email stating the balance was due and would go to collections on XX/XX/XXXX. 

I did NOT take these classes and believed I had dropped them before the semester began. I have documentation of these communication attempts. 
Despite multiple efforts to resolve this issue through various XXXX departments, I received no meaningful assistance or response. I am now facing unwarranted collection actions for classes I did not take.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND EXPERIAN HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a bankruptcy on my credit report and has stated that it is verified even though they are verifying the status through XXXX. XXXX advised that the bankruptcy reported has been removed from my credit report since XX/XX/XXXX but Transunion continues to report it. Transunion advised that they have not used XXXX since XX/XX/XXXX but continues to report false information given to them by XXXX. The New Jersey XXXX XXXX does not verify any information relating to consumer reports with credit reporting agencies. Transunion is reporting Inaccurate information on my consumer credit Report. This has caused damages and is a violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. Transunion has been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing, etc. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. Transunion has been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Product: Money transfer, virtual currency, or money service

Chase fined me with unauthorized transaction on my bank account and tried to make it look like it was me
Product: Vehicle loan or lease

On XX/XX/XXXX, one day before my payment was due, I called Westlake Financial Services to see what options they had available to consumers due to the Covid-19 Crisis. I was told they had nothing available to help me. However, the representative said I could give them my bank account information and he could then arrange to have it paid automatically on XX/XX/XXXX. As this was my only option, I called back to have it arranged, and was informed that since I didn't make the payment on XX/XX/XXXX, the due date, I would be charged late fees. The lady said I may be able to call back and have them removed later due to Covid 19. 

Although I keep hearing that creditors can help you during this time, and all my other debtors are more than willing to offer help, I have found Westlake to be totally unhelpful. The reps I have spoken to sound like they don't even know about the crisis. 

I am a XXXX  XXXX who is recently unemployed due to the crisis. Since there are 24 million people now filing, my claim for unemployment is backed up. For this reason, I am not certain that I will be able to make this payment right away, and I need Westlake Financial to work with me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, I am respectfully requesting the deletion of XXXX XXXX XXXXt XXXX XXXX, Capital One, and XXXX.
Product: Debt collection

XXXX XXXX XXXX deposited around {$400.00} into my account as a payday loan. They took out 2 payments or so from my bank which exceeded the amount that was borrowed. XXXX continued to try and take money from my bank account even after the loan was paid off because they were trying to charge extreme interest fees. I informed them that it was illegal in California and that I paid the loan in full. Now over 5 years later, I checked my credit report and see a collection account from Midwest Recovery Systems for {$780.00}. I called them to ask what is was regarding and they informed me that it was for a payday loan and they reminded me that I made 2 payments. I informed them what XXXX XXXX XXXX was trying to do is illegal in California and by their own admission I had made 2 payments on a {$400.00} loan and that is was paid off. They are still dinging my credit report over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX  and Trans-union everything that they ask me to send them to show that I was a victim of identity theft
Product: Prepaid card

I bought a {$25.00} visa card from XXXX on XX/XX/XXXX and there was a XXXX dollar and {$3.00} activation fee that I paid as well. 
When I got home, I went to go open it and I called the number on the back to make sure it was activated and to check to see the balances there and after entering the card details it automatically sent me to support. All they could tell me is theres an issue with the card and they gave me an email address that I needed to send a list of different documents to. Ive done that and they said it would take XXXX to XXXX business days to review everything and get it fixed, which turned in the 30 days when I recently called to see if there was any progress. But of course there wasnt and now that I can go on their website and track my case its telling me that it probably going to take until XXXX, when it could be an easy fix. 
I would totally understand if I receive this card as a gift and had no proof of purchase, but thats not the case! 
Even though I sent them every document they asked for, which is pictures of the front and back of the card, my XXXX receipt and I even included pictures of the packaging just to make sure all my bases were covered. Theyre still telling me its going to take a while. 
My thing is why cant they just give me a new card that actually works especially since they have my receipt from XXXX showing that I paid for the item and the activation fee. It just seems like they wan na keep going in circles when it could be a simple solution, it was supposed to be a gift for my nephew and I cant even give it to him and I definitely dont wan na go buy another one, especially if this is gon na happen again or could happen again.
Product: Consumer Loan

I started with an installment loan of {$200.00}. I have been paying on the loan since XXXX. It has noe accumulated to over {$600.00}, and the company assigning my wages. I never saw a court order and sent a letter by certified mail to stop the assignment. How long can they collect? Will the letter stop the wage assignment?
Product: Debt collection

{$250.00} owed to XXXX XXXX and showed up in collections. Haven't had XXXX  for 5 years, never heard or received notice from XXXX   that I owed any money and I don't believe that I do owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX  ) account # XXXX has violated XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX  ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. Experian XXXX XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Product: Debt collection

I was issued XXXX credit card when I leased a new XXXX 12 years ago. I never applied for this card, EVER, but did accept it once I received it. I had always paid it off monthly and never missed a payment. Due to my husband losing his job of over 10 years by layoff completely unexpectedly in XX/XX/2018, my being XXXX, followed by loss of much income over past 2 years due to pandemic, I incurred much debt by credit as I had to use them for groceries, to pay my mortgage, and other necessities. After 1 year of not paying, I have now been receiving multiple daily calls from the debt collector assigned by XXXX XXXX. They have called and texted ALL of my family members - my mother, my sister, my daughter in college, my ex-husband, and even my ex-mother in law. I asked 3 times to NOT call any family members. Mr. XXXX XXXX advised he would stop and made note of this 3 times as did his manager " XXXX. '' My mother was called and harassed again yesterday with Mr. XXXX telling her I said she would be settling my debt, leaving her in absolute tears. Again, I have spoken with this collector a few times and asked what my options are to settle down amount owed. While waiting for their answer, I tried to find a way to come up with this money. I am filing this complaint as no other debt collector has gone so far as to call, text, and leave voice mails on NUMEROUS occasions with family in order to embarrass me and smear my name. This collector also leaves me multiple messages a week threatening to sue me. Last communication was on XXXX XXXX XXXX. I have attached the ONLY written notification I have EVER received from them. It was by email. Never have I received one piece of mail from collector. I also attached email signature with settlement offer, which doesn't even match name of person/people I have spoken with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is a follow up of my recent CFPB complaint I submitted to the Credit Reporting Agencies requesting the removal of the fraudulent accounts and information completely from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint ot protect and execute my rights under the Fair Credit Reporting Act. I aso sent dispute letter to the Credit Bureuas dated XX/XX/XXXX, and I will be waiting for the Credit Bureaus respoonse. In the event the Credit Bureuas do not comply with my requests under the provisions of the FCRA, please udnerstand that I will be filing a lawsuit. Once again, I am requesting that the Credit Bureaus remove the following accounts from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus claim that the disputed items belong to me, I request that the Credit Bureaus remove the disputed accounts completely from my Credit file as soon as possible. In the event that the Credit Bureuas are unable to send me copies of documents I seel, please remove the disputed items as soon as possible.
Product: Mortgage

I have two loans with Mr. Cooper and have not received my loan statements. This is the second time this is happened. Not too mention when I was receiving my statements at the correct address they sent my escrow refund check to a previous address in XXXX. No explanation for that one.This servicer needs to get it together. 

I called them today on XXXX and instead of trying to research my issue they are upselling their insurance company, asking if I want to be set up on bill pay, asking if I want email communication when I had clearly told her to remove my email address from my profile. My address is still the same XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The last statement was sent XX/XX/XXXX I checked my loan statements and it says my payment is Effective XX/XX/XXXX, your interest rate has changed from 4.500 % to 4.125 % resulting in a change in your monthly payment from {$1000.00} to {$1000.00}. The new payment amount is reflected in this mortgage billing statement. YET MY PAYMENT DUE IS {$1300.00}. 

THIS SERVICER NEEDS TO GET IT TOGETHER. IT DECEPTIVE TO STATE MY PAYMENT IS XXXX YET ITS XXXX Two loans with this servicer : XXXX XXXX XXXX XXXX
Product: Mortgage

We have had frequent problems with Seterus processing our payments, duplicate payments, payments for shortage in escrow that they manage. We received a letter once again stating we were short, I sent the full payment for that shortage they claim and the check was cashed to avoid them applying it to our mortgage. I wrote on note with the payment that this was for the escrow shortage and listed the acct. We received the mortgage with an increase and paid it. I included a copy of the escrow shortage check that was paid with a note explaining not to apply the shortage to our mortgage. We received a letter stating they would look into the matter and to this day have not seen our mortgage adjusted back to what we were paying. My credit was also ruined because of past issues they claim they would clear on my credit.
Product: Student loan

Student Loan reunion corporation has very high interest rates. They are more than doubling my total costs to pay back this loan. This is such a scam. They should be forced to pay me back all my interest and relieve the principal. 

There should be a fixed rate for student loans this is so XXXX  how they can change numbers on customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$170.00}.
Product: Mortgage

I have applied with Ameri Save XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX all of the Mortgage companies ran my credit told me I was approved then moving foward said I need to have XXXX and XXXX iam low income I added my son he has no debt XXXX XXXX officer said the couldn't approve me didn't even finish application process Ameri Save Mortgage had two loan application the loan officer never contacted me but loan say it's in progress these companies have not displayed any integrity and have taken my information
Product: Student loan

When XXXX XXXX moved to Navient..my loan was on deferment. They move the interest rate from 6 % to over 11 %. In addition, at that time my bankrucy paid over {$14000.00} to XXXX XXXX for my loan but it was never used to reduce my loan and in fact my loan increased from XXXX to over XXXX. I have paperwork to support this and sent to Navient and they said they could n't do anything because it was something that XXXX XXXX should have taken care of however XXXX XXXX letters came back to me because they do n't exist. So no one can tell me why my XXXX payment was n't applied to reduce my loan and why my loan went from XXXX to over XXXX. I need help and have no where to turn.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX  XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Product: Debt collection

I was contacted by phone on XX/XX/XXXX XXXX XXXX regarding an alleged debt from this debt collector ( LD ) Local Data Recovery LLC. XXXX XXXX XXXX XXXX, GA XXXX. I was unable to answer the phone and they left a message about an alleged debt. I contacted the company and advised the person on the phone that the conversation is being recorded and then asked that they provide something in writing what they were calling about. I asked the person on the phone XXXX XXXX to email me a copy of the letter, however I was transferred and told I would not be sent a letter regarding this debt. On this date they mentioned filing a lawsuit and garnishment of wages although nothing was provided to me. 
I was left another voicemail on Friday XX/XX/XXXX at XXXX XXXX stating they left me several messages and i failed to respond ( which is a lie ) and my file would be forwarded requesting judgement against me. I called the company back on XX/XX/XXXX at XXXX XXXX. and was placed on hold for several minutes. I hung up and called the company back at XXXX and again advised the call is being recorded with the person that answered XXXX XXXX. I again requested a letter sent to me by email regarding what they were calling me about. I again provided an email address for her to send me a copy of a letter regarding what they were calling about. I did advise the company that I am a victim of identity theft and I was requesting a letter or something on paper showing what they are calling me about. I also asked her several times for the company 's mailing address which she refused to provide. First she said they have addresses in different counties then when I asked again she just kept asking me about settling this alleged debt. I continued to ask for an address and at this point I was placed on hold. I indicated a voice time stamp of the call while i was " on hold '' that was being recorded and immediately a gentleman picked up the phone and said something to the effect of they were listening. It seems this company like to play games. I asked him for a copy of a letter regarding what they were calling about. He claimed that this debt has been going on for years but yet again refused to send me a letter. His response again was that they are not saying anything and I would be sued. There are multiple complaints found on the internet regarding this company 's collection practices. No proof has been made available to me so therefore these collection efforts need to stop. This company should be fined or shut down for its illegal debt collection practices. I have all these phone calls recorded, FYI.