23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was not aware of this company trying to collect a debt until I took a look at my credit report and it showed that I have an amount from collections. I called them on the phone requesting emails for verification and they still were not able to send me anything. Finally a manager was able to send me a letter under the previous landlords name. I paid them off due to the high stress and pressure, while hoping its not a scam.

After payment I requested for a letter of satisfaction which is required as proof to clear my debt. Sequium has failed to provide me this and will only send the account statement with it being paid under the previous company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed a inaccurate bankruptcy on my credit file.XXXX I received notice the file is complete and they verified the information is correct. what I ask for Equifax to do was send me the method of verification, and also verify this information from the actual court and send me a copy. they are not able to verify the accurate discharge date or give me the amount of the bankruptcy. receiving information from public records, The court has refused to become a Data Furnisher concerning this public records item, therefore the information is by all definitions is unverifiable, and that you can not verify an item that is reviewed from public records. This item must be deleted. 
XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I was XXXX of those professionals hurt when the housing economy totally collapsed. I had purchased a very expensive XXXX XXXX XXXX XXXX pickup with diesel etc. Loan amount began at nearly XXXX. Payments were okay when I made XXXX per year. After losing the income after housing collapse, {$770.00} payments were very difficult but I struggled XXXX four years to get payments made. I was often far behind and always eventually caught up all payments when a job completed. ( I was now a self employed XXXX ). I was up to four months behind on several occasions, even offering to voluntarily surrender the truck. They always showed patience and eventually got all their money when a job would finish. I finally got paid down to the last XXXX payments ( around XXXX ) and explained to customer service/ collections that as soon as the next job finished I would bring it current. For the first time, i had about XXXX in postive equity in the truck. I certainly did not want to lose it now. I starting getting suspicious recently when collections would robo- call and I would try to answer and no live person would come on the line. After 3 weeks of rain delays I finally finished a job and was due to collect and be able to bring payments current. That night my truck was repo-ed from my driveway. Now, trying to speak to a live person and try to redeem my vehicle is impossible. Calls to redemption department at Ally always go to hold for 1-2 hours. Usually you will eventually be told to try again later. Meanwhile you get notices your car is going to auction, but you still ca n't get a live person. Once there was equity in my truck, they want the truck.,, not my payment.., This is blatantly unfair to have no way to talk to reasonable people! 
XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX Credit Bureau regarding inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX  regarding the inquires.
Product: Credit card or prepaid card

This is regarding a Chase XXXX XXXX credit card. I had made an air ticket purchase in XXXX and have closed this credit card since ( closed in XXXX ). Due to the pandemic I had to cancel the tickets and process a refund with the airline. I have been informed by the airline that the refund has been processed and the refund credited to the closed credit card. Four tickets total were purchased. The total amount of refund is ~ {$4800.00}. Since the Chase customer service representative was not able to find this credit card in the system, I was directed to ask for customer support assistance. I have not received this reimbursement to date ( XX/XX/XXXX ) and it has been close to a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account in the attachment was closed in XXXX of XXXX with a {$0.00} balance but, Equifax and XXXX  is reporting 3 late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  has fixed the issue when I brought the inaccurate information to their attention, XXXX  and Equifax refuse to do so. I have contacted XXXX XXXX XXXX  several times about the issue and each time they told me that they made a mistake and told me that they would remove the lates, they just wanted me to file a dispute with the credit bureaus. I have filed several disputes and this issue is still not resolved. The inaccurate late payments continue to report. XXXX  has removed the late payments but, XXXX  and Equifax are still reporting this wrong information. I was never late! The account was closed and paid in FULL. NEVER LATE. Please remove the late payments from this account. I am at the end of my rope, I'm trying to buy a house and this inaccurate information is stopping me from being able to do so. Remove the late payments immediately!
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX I have presented the information that is inaccurate and hindering me from furthering my future with my credit. I have sent in the letters for this subject. Which came back accurately which is not correct. This account is not XXXX00 percent in accurate. I will like these late payment removed 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 seven 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.
Product: Debt collection

On XX/XX/2018, I sent a letter of validation to Amcol Systems Collection Agency. 

On XX/XX/2018, Amcol Systems returned to me a document that shows an account with my name on it and an address in which I have never resided at. I requested that they send me a signed contract or a hospital registration with my signature from the original creditor. They have not provided me with any proof that this debt belongs to me. 

On XX/XX/2018, I sent a letter of removal demand. This item has not been removed from my credit file and is still being reported even during the entire dispute process. 

On XX/XX/2018, I sent a 2nd request of removal letter. Request is still being ignored. 

Please see attached : Due to website issues, I am unable to successfully upload my supporting documents at this time. Please contact me with an alternative method. ( fax number or email address )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number : XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, ACCOUNT NUMBER : XXXX, 15U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2also states a consumer reporting agency can not furnish a account without written instructions. IXXXX THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVEPROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF XXXX REPORT DAMAGING MY LIFE.
Product: Credit reporting

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, XXXX XXXX. ) is ( inaccurate ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF XX/XX/2011 ). I am requesting that the item be deleted ( or request another rapid score ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # 2, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible. Also the collection agency are still reporting payments late since 2011 until now.
Product: Payday loan, title loan, or personal loan

I enrolled in a service called   XXXX   XXXX   which is a payday loan service. The problem that I am having is that they partner with my bank but my bank sometimes partners with them and sometimes they do n't. For example I was able to enroll my bank with this service but then in the middle of the service my bank is no longer a partner with them and then I am unable to use active hours. The bank that I use is the North Carolina State Employees Credit Union. This when this happens it puts me in debt with the company   XXXX   XXXX   because they are no longer able to connect to my bank to withdraw funds owed to them or deposit funds I make request.
Product: Debt collection

XXXX XXXX XXXX XXXX is where both me and my wife received care on separate occasions. I was XXXX years old in XX/XX/XXXX when I received care. That bill was paid by me. My wages were garnished and the debt was paid. In XX/XX/XXXX, XXXX sent a debt for collection to XXXX XXXX XXXX. This debt was not mine. 

This debt was for care received by my wife, XXXX XXXX. I was told by XXXX that they were adding my wife 's debt to my name and they said it could be garnished from my wages. 

Out of fear of losing my job in the XXXX, I agreed to have payments in the amount of {$150.00} twice a month to be this debt even though I did not owe it. I had no experience with personal finance and did n't know what to do and was fearful that my chain of command would be contacted. 

My security clearance has been impacted as well. 

My credit file is showing a debt in collections to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 

XXXX is impossible to get on the phone and XXXX has likely been given incorrect information from XXXX.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, XXXX XXXX are all negatively effect my credit score due to not removing accounts proven unverified. XXXX attach screenshot of proof of my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credt Reporting act XXXX TXXXXXXXX Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX # # # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Account 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen instructions.
Product: Money transfer, virtual currency, or money service

A wire transfer of {$500000.00} was sent by us to a fraudulent account ( posing as the law firm for our home loan closing ), arriving at Fifth Third Bank on XXXX. Per Fifth Third Bank 's words, their fraud department flagged the funds on XXXX. 

On XXXX, we became aware the funds were sent to a fraudulent account and we immediately reached out to Fifth Third Bank. On XXXX, we were given the case # XXXX and told our bank ( XXXX XXXX  ) needed to send a XXXX XXXX ' notice to Fifth Third to receive the funds. 

We called Fifth Third Bank repeatedly to request updates, between XXXX and XXXX. It was during that week we were told the funds had been flagged on XXXX and that we would get the funds almost immediately once the paperwork was submitted. At times, Fifth Third representatives refused to speak with us, even though we had a case number, as we were not Fifth Third customers. 

They expressed having an obligation to the customers who had committed the fraud against us, as those people were customers, versus us, the victims of the fraud. 

The following week, we continued to make calls almost daily, to check in on the status. On at least two of the calls with different bank representatives/senior analysts in Fifth Third Bank 's fraud department , we were informed all the funds were there and that we should expect them back once the banks " talked with each other ''. That week, we also learned the fraudulent receiving account had been closed. Lastly, we received confirmation the XXXX XXXX ' paperwork was received by Fifth Third Bank. 

At that point, Fifth Third stopped communicating with us entirely and we were told our bank, XXXX XXXX, needed to be the mediator for communication. 

XXXX XXXX  informed us that Fifth Third had all paperwork necessary and that Fifth Third had requested up to 120 days to return the funds ( even though we had been assured by Fifth Third that it would be almost immediate once they had the paperwork ). 

On XXXX, we received {$240000.00}. We questioned our bank, XXXX XXXX, where the remaining {$260000.00} was. They expressed challenges getting information from Fifth Third Bank, saying emails were being sent from XXXX XXXX  XXXX fraud department to Fifth Third 's fraud department but responses were slow or not happening. 

On XXXX, we were informed by our bank that Fifth Third Bank has sent all they were planning to send. On XXXX, we called Fifth Third Bank to explore where the remaining funds were and we were told we had been sent all the funds that were available at that time. 

We had been told all the funds had been held when we were communicating in XXXX. Between that time and when the funds were sent, the {$260000.00} went missing. We are wanting to know what happened to those funds, since we had been assured they would be returned to us.
Product: Credit card

I've consistently made timely payments on this account and have never let them become overdue. I'm puzzled by reports of late payment comments on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Debt collection

This collection agency never delivered a dispute/debt claim communication. Will not answer any attempt of communication for verification of claim debt. They published collections on XXXX as XXXX XXXX XXXX from XX/XX/year>. 
There is no possible way that belongs to me from that date. They have not and will not provide any proof as requested even by XXXX. This company is in violation of FCRA. 
They have not provided validation with in 30 days of request. The claim in false and they must remove the claim from credit bureaus and delete any files of collection from this case before more damages result from their fraudulent efforts.
Product: Mortgage

In   XXXX   XXXX   XXXX   filed   XXXX   XXXX   XXXX   Bankruptcy. I continued to make monthly mortgage payments of {$580.00} to   XXXX   XXXX   for my first mortgage. I was not notified by my attorney or   XXXX   XXXX   of an increase in my mortgage payment to  XXXX  as of  XXXX  of  XXXX  and continued to pay {$580.00} monthly. I paid all mortgage payments directly to  XXXX  Bank by electronic transfer from my personal checking account during the bankruptcy. In a certified mail dated  XXXX / XXXX / XXXX , I received legalnotice from   XXXX   XXXX   demanding {$1900.00} alleging that their records showed my account  XXXX  payments overdue. At that time  XXXX  Bank had " unapplied funds '' that I paid that were not credited to my mortgage account. A  XXXX  Bank statement dated  XXXX / XXXX / XXXX  states that I owed {$1300.00} due before  XXXX / XXXX / XXXX . I sent payments of {$700.00} on  XXXX / XXXX / XXXX , {$630.00} on  XXXX / XXXX / XXXX  for a total of {$1300.00}. A letter from  XXXX  dated  XXXX / XXXX / XXXX  states that as of  XXXX / XXXX / XXXX  my new payment amount was {$600.00} and requests an additional payment of {$520.00} by  XXXX / XXXX / XXXX , which was  XXXX  weeks before the date on the letter and  XXXX  weeks before I received the notice. I have also been charged a number of " late fees '' and  XXXX   XXXX  by property inspection '' fees for which the bank has not provided an explanation. I have called the bank several times, without a resolution of this issue. They said they would call me back.
Product: Debt collection

I have requested validation from Enhanced Recovery Company and the letter was delivered XXXX XXXX, 2015. I have not heard from the companies nor have they bothered to validate or remove the invalid debt from my credit report. 

This is now damaging my credit making it harder to secure a mortgage. This is criminal behavior at best and without proving that I owe a debt after requesting evidence, how are they allowed to continue to damage my credit and good name without punishment?
Product: Payday loan, title loan, personal loan, or advance loan

I submitted my original SCRA benefits on XXXX XX/XX/year> via the SoFi scra benefits portal. I called sometime in early XX/XX/year> to verify receipt. They told me they had to send it over to the scra section for processing and had not been actioned as of that time. I called back around the first week of XX/XX/year> to inquire on the status and after speaking with an account manager there was no update. He told me would personally follow up and let me know asap. I was received the following correspondence from the account XXXX on XXXX XX/XX/year> : XXXX XXXX XXXX XXXX hours ago Hi XXXX, I want to start by apologizing for the delay. As I have been working on this it has been determined that Loans can not have the SCRA benefit applied if you were on XXXX XXXX at the time the loan was disbursed unless a state exclusion applies. The SCRA requires consumer lenders to reduce the interest rate to 6 % on any loan/credit card balance that was taken out prior ( effective disbursement date ) to being called to XXXX XXXX. I apologize that the answer will currently remain that your loan does not qualify for the SCRA and for any inconvenience this may cause. 

Kind Regards, XXXX Sofi Lending Corp My XXXX  orders were effective XXXX XX/XX/year> and with my loan originating in XX/XX/year> that is clearly well before XXXX. Previous XXXX  orders are not relevant as each request goes off of the current set of XXXX  orders. I need the scra benefits added to my account effective XXXX XX/XX/year>.
Product: Consumer Loan

I am serving on XXXX in the XXXX XXXX XXXX. My family and I have received orders to report to XXXX in XX/XX/XXXX, our exact date of departure is undetermined. 

We are permitted to take a vehicle with us to XXXX. The company which ships the vehicles requires either a clear title, or a letter of approval from a vehicle lien older. Sometime in XX/XX/XXXX I contacted Ally Bank and requested a letter of authorization to ship my vehicle to XXXX. I was told they would not be providing me such a letter. 

I purchased my vehicle back in XX/XX/XXXX. The total cost of my vehicle was over {$17000.00}. My vehicle is currently worth {$6000.00} and I currently owe approximately {$7000.00}. I do not have the funds available to immediately pay off the remaining balance. I have contacted other banks asking about refinancing the vehicle and was told they wo n't do it because the value of the car is less than the amount still owed. I am current on all payments on my car loan. Although I was late making XXXX payments over the past four years, those payments were made very shortly after their due date. 

Having a vehicle in XXXX would help my wife and children tremendously. If I am not allowed to ship my vehicle, I have no idea how or where I would store the vehicle for the three years we will be stationed in XXXX. 

I do not have a copy of my financing agreement with Ally readily available, as nearly all of my personal belongings are packed up and ready to ship XXXX. Even if such a clause exists in their financing agreement prohibiting transporting vehicles outside the country, I believe such a clause would be unconscionable for military service members. I do n't know if it is Ally 's policy to not provide any service member with this type of authorization letter, or if I am being singled out for some reason. Regardless, I would have never financed with Ally had I known they would deny me the ability to take my vehicle with me to an XXXX duty station. I am requesting any assistance available in obtaining an authorization letter to ship my vehicle.
Product: Credit reporting

I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX DOB XX/XX/XXXX through XXXX, PA XXXX, I want this loan information immediately removed from my credit report.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. ThereforeBankruptcy XXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX account ) should be removed from my credit report entirely for false reporting!!