23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau I had Purchased a XXXX XXXX XXXXXXXX XXXX which was XXXX : XXXX from XXXX XXXX XXXX  and the Address is for XXXX is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX and XXXX made me a Merchant owner for the XXXX XXXX XXXX. However, after purchasing that Merchant website from Mr. XXXX XXXX which was the Senior Marketing Consultant for XXXX XXXX XXXX I realized that the New Business is not making any profit despite my time and effort. In addition, Mr. XXXX XXXX took Electronic Signature from me for the Retail Installment Contract for XXXX XXXX XXXX along with other Initial Signs before I read the Contract Paper Properly including XXXX Disclosure Form, XXXX shipping program rules, and Buyers right to cancel and notice of cancellation. Well Unfortunately the transaction date was XX/XX/XXXX and Mr. JXXXX did not ask me to read the contact paper before he approved the virtual online store finance Amount which was {$2800.00} and XXXX XXXX XXXX Charged my XXXX XXXX Credit Card ending in XXXX {$1200.00} for the down payment of the Retail Contract. 

Moreover, when I requested Him that I am unable to Continue the New Business and I would like to close the New Business he Initially refused but later send me the closing form where I had Signed to close the New Business. The Merchant website was closed and the business was totally closed. However, after two three months of closing the Business I had received the Debt Validation letter Along with the Retail Installment Contract from a Collection Agency Named Monterey Financial Services , XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Since then they are keep sending me debt validation letter until this year XX/XX/XXXX and they are randomly charging the Interest amount on the Initial retail Installment which was {$2800.00}. 
Also, they had opened a report on XX/XX/XXXX to the XXXX and the XXXX the leading credit Bureau Agencies. Currently on XX/XX/XXXX the XXXX  report showing the collection Amount of {$4000.00} and The XXXX  XX/XX/XXXX report showing the Collection Amount of {$4000.00} I have all the supporting document Retail Installment Contract, XXXX XXXX Merchant Account along with the XXXX disclosure form, Buyers. Right to cancel and notice of cancellation. Including the XXXX Account Closure Form. Please check all the document along with this description letter. 
In Sum, I want to take this collection off from the XXXX, and XXXX Credit Report and Dispute the debt amount from the original Creditor Which was XXXX XXXX XXXX
Product: Student loan

I called to get a forbearance on my student loan because I have been taking care of my grandparents due to their failing health. I called on XXXX XXXX and they told me to call back as soon as I had my good faith payment {$150.00}. I called back on the XXXX with my payment and was told I was past due and could n't have a forbearance. I was not told of a deadline to call them back. Both of my grandparents were in the hospital so that is why it took me 5 days to call back. Now they forced me to pay {$590.00} that I do n't have because they said there is nothing they can do. If the mistake was made on their end I should n't be the one that has to make this payment. They refused to work with me at all. It was my understanding that student loan lenders were suppose to work with people that are trying to get a job. I attended The XXXX located in XXXX Kansas. I graduated XXXX 2015. I am currently looking for work as well as taking care of my grandparents.
Product: Credit card or prepaid card

i made a payment of XXXX XXXX an never received the money by law its 48 hrs associated bank is the company making my credit tough to bring up on my end causes mental stress worries ive been doing mediation that helps with the stress i want to do better what i can do in life i dont make alot money as it is an would love to sue for money if i could im in school
Product: Vehicle loan or lease

I.filed bankruptcy in XXXX it was XXXX in XXXX, I owe XXXX left on my car I have already paid XXXX, I called them to see if I could make reasonable payments for the last XXXX they said no I would have to pay XXXX and then I could make payments on the rest, I told them I don't have that kind of money. They want to repossess my car after I have already paid XXXX on it. They will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid in full in XX/XX/XXXX, and Capital One has been reporting since that I have a high balance of {$490.00} on the card every month to XXXX and XXXX. This is not correct, and is lowering my credit score by almost one hundred points. They refuse to take any action via phone, leaving only the option to send a letter, which I have done as of XX/XX/XXXX.
Product: Debt collection

IT CAUSES ME ANXIETY AND XXXX EVERYTIME SEEING THIS FRAUDULENT ACCOUNT TO MY CREDIT REPORTS. PLEASE REMOVE AND BLOCK IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have still not received a detailed method of verification response as per FCRA 611 ( a ) ( 6 ) and ( 7 ). My rights are continually being violated in a damaging way. After having exercised my rights to have the two Portfolio accounts, the XXXX XXXX account and the Synchrony account that are listed on my credit report with this company, proven to maintain standing on my credit files, I made a demand for the Method of Verification when those accounts were listed as accurate. I was not requesting the general standard description of Transunions procedures, I was not demanding them to simply state that they were listing these accounts accurately. I was demanding how they came about this decision to list these accounts as verified. What documentation was provided by the data furnisher? Who was spoken to at the data furnisher and what was their qualification to be familiar with the alleged accounts in question? I started this dispute process in early XXXX of this year and mailed the Method of Verification letter on XX/XX/XXXX, so were nearly two months without an answer on this subject. 

Again, I am not interested in nor asking for a general description of Transunions procedures in the case of a consumers disputes. I am demanding as my rights under the Fair Credit Reporting Act provide, a specific description of how this information was verified as accurate. This hasnt been effected with direct letters with the credit furnisher so I am forced to access the CFPB in an effort to get answers. Since this information hasnt been forthcoming in the timeframe in the FCRA, these alleged accounts should be removed from my file in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CAC FINANCIAL CORP add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : 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 verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax data breach, there's fraudulent inquiries reporting on my account. Please remove the following fraudulent unknown and unauthorized inquires on my credit file. 

1 ) XXXX XXXX ( XX/XX/XXXX) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX) 3 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX) 5 ) XXXX XXXX ( XX/XX/XXXX) 6 ) XXXX XXXX ( XX/XX/XXXX) 7 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX) 8 ) XXXX XXXX ( XX/XX/XXXX) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX  ( XX/XX/XXXX)
Product: Credit reporting or other personal consumer reports

During XX/XX/2021 XXXX XXXX charged me a late fee and reported a late payment to the credit reporting agencies. XXXX, Equifax, and XXXX are all reporting this late payment which is a violation of 15 USC 1681 ( a ) ( 2 ) ( 1 ). Which states a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Since XXXX XXXX charged me a late fee, which is a transaction the credit reporting agencies should not be reporting the transaction on my credit report. 

The credit reporting agencies are reporting a factual inaccurate late payment. Please see the attachments and evidence.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiry from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and this inquiry is unauthorized. 
The following inquiry must be removed immediately : XXXX - XX/XX/year>
Product: Debt collection

my mom was resaving money from ssa and I didn't find out until XXXX or late XXXX when they call me by mistake they sent me 3 or 4 check i dint know what it was for I didn't ask because I need the money at the time for me and my baby girl so i had it switched to my boyfriend name four months later i get a call saying to come in to the office they mail me a later with the address and everything on it so I went and they said that they was going to stop sending the money and that it had to be paid back so i was thinking that the three or four check had to be paid back but they told us in a latter that it was XXXX and i never resaved all that money I was living with my god father and mother when all of this had accord and after i got done with school i went to live in Kentucky in late XXXX early XXXX came back got my own places and got a job now i have XXXX kids and it had to try to save money for my kids and get them the stuff that they need when this money didn't all come to me
Product: Credit card

I received an email from Citibank on XX/XX/2024 regarding a credit card that I did not apply for from this institution. The email I received appeared legitimate and had Citibank XXXX as one would anticipate from a bank. No spelling errors or anything to alert me that this was a phishing attempt. On XX/XX/2024, I received an update that the card had been shipped and I attempted to contact Citibank to no avail. They would not allow me to speak to a representative without the full card number or giving my personal information over the phone. Citibank would not listen to my concerns that a fraud had taken place/was in effect. On XX/XX/2024, I received a XXXX  card in the mail, stating all I had to do was call to activate it. I finally was able to contact a person at Citibank because I had the full XXXX  card number, they finally allowed me to speak to a customer service representative. I used a phone number for Citibank on their website. It was difficult to understand the person as they possessed a thick accent, and I am hard of hearing, which concerns me as to whether or not they understood what I am trying to convey. I have contacted my local bank to acquire information to check my XXXX report for suspicious activity which is pending. I want to make sure that I am not responsible for any activity on the account that I did not apply for. I do not appreciate a financial institution pre-approving me for a card and using my information to open a XXXX  card in my name without my consent. On top of that, making it almost impossible to speak to anybody prior to any activity taking place and not communicating with me before the card was in my possession. I could not stop this act prior to receiving the card and having to cancel the " account. ''
Product: Mortgage

Complaint # XXXX should not have been closed just because XXXX XXXX   responded refusing to do anything. In XXXX I received an escrow surplus of {$1500.00} with a form ( attached to original complaint ) to add more to the escrow acct to cover any increases in taxes and insurance. I returned this form with a check for {$500.00} in XXXX. I was notified in XXXX that my XXXX payment was being increased {$20.00} to cover an increase in taxes. I complained to MB and they ignored me. I complained to CFPB and you have apparently accepted MB 's response. On or around XX/XX/XXXX, MB Customer Service Director, XXXX, called me and admitted they had more than sufficient funds in my escrow acct to cover the increase but refused to analyze the escrow acct and adjust the payment. Yesterday I discovered that my monthly mortgage auto draft to XXXX XXXX had not drafted and was several days late. I called MB found that XXXX had cancelled my auto draft payment. I had no knowledge and received no notice of this cancellation. This is clearly retaliation and could have damaged my credit. I immediately requested the ach be re-instated and that someone higher than XXXX call me. This is abusive behavior by XXXX XXXX. It makes no sense to refund escrow funds greater than the increase in taxes and insurance. Please stop this and allow mortgage holders on fixed income to keep their payments down. Why does MB deposit funds to the escrow account to cover increases in taxes and insurance yet does not apply those funds for the stated purpose. MB has both deposited my {$500.00} check to my escrow acct and collects {$20.00} a month more each payment to cover increased taxes. How is this acceptable?
Product: Debt collection

on XX/XX/2021, i sent JEFFERSON CAPITAL SYSTEMS , LLC a letter about a alleged debt of XXXX that i don't owe.i requested the validity of the debt but never received anything from them so i sent them another letter on XX/XX/2021 requesting more information about this inaccurate item that is being reported on my credit.I sent them XXXX certified mail on both occassion. ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to have my address and name updated. I also sent a copy of my identification and social security card enclosed with the letter. Instead of updating my file to the correct spelling of my name and deleting the ones they have, and updating my address to current. They sent me a letter that I have enclosed. I sent my letter asking them to update my information. And they sent a stall letter. I did not hire a credit repair company or any other third party company to reach out to them. I did this myself. I expect this issue to be resolved immediately.
Product: Debt collection

In 2012 I moved from XXXX to the XXXX. I informed XXXX gym 30 days prior to moving that I wanted to cancel my membership due to the fact that in the area where I was moving to there were no gym facilities XXXX within a XXXX mile radius. I also followed up with a telephone call to the club and a visit and they assured me it would be taken care of. This past week I received a letter from an attorney, XXXX XXXX XXXX representing United Debt Holding ( XXXX gym ) claiming I owe {$810.00} and it must be paid immediately.
Product: Debt collection

XXXX XXXX XXXX has a " collection '' on my credit report for the amount of {$1200.00}, from a retailer called " flexshopper ''. This account, created in XX/XX/XXXX, was opened without consent or permission by an ex-girlfriend. I noticed the debt at the end of XXXX, beginning of XXXX. We had since ended the relationship, as she was suffering complications as a result of her XXXX. I attempted to resolve it with her, but she never fulfilled our agreement, paying me {$0.00} total. I never pursued criminal charges, due to her family being close friends with mine, and to settle it civilly would mean I would have to travel to XXXX, costing more than the alleged debt. 
I've attempted to reach out to XXXX XXXX XXXX on several occasions, as I am willing to take on the debt to clear it from my report, because it has affected employment opportunities, causing me lost opportunities and income. It also affects my buying power for a house. I am about to have my XXXX XXXX, and this will affect her in the long run. 
I have contacted XXXX XXXX XXXX XXXX and left messages requesting something in writing, or an option on how to pay, yet I have never received one piece of mail/invoice from them. I contacted them nearly every month in XXXX, and XXXX of this year. I have not attempted contact since XXXX, as I moved from XXXX  to XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed certified documentation for the second time to address fraudulent accounts on my credit report due to identity theft. Despite submitting all required documents, including a police report and an FTC report, the company has refused to honor my request to remove these fraudulent accounts. I have taken every necessary action to prove that I am a victim of identity theft, yet they continue to ignore this fact. 

Additionally, the company has merged my credit file with another consumers file. This has resulted in the wrongful addition of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. I did not authorize any of these accounts or pull my credit in the last two years.

I request that the company take immediate action to remove the fraudulent accounts and rectify the errors made to my credit file.
Product: Mortgage

I am writing this letter because my attorney law group ( XXXX XXXX XXXX ) just informed me tha SPS just put my house in foreclosure when I requested a mortgage modification package on XX/XX/2019. Also, I hired an attorney who requested modification in XX/XX/2019. SPS is committing mortgage fraud and I plan to sue this company for millions.
Product: Vehicle loan or lease

I turned in the nissan XXXX  in pristine condition. They accepted my vehicle. Then they're trying to say I had over {$1000.00} of damage.
Product: Credit reporting or other personal consumer reports

I fully paid my car loan last XX/XX/year>. However, until now, Bridgecrest is still reporting on my credit that I have late payments.I tried to correct it with them but they wont correct their credit reporting
Product: Vehicle loan or lease

The car had so many problem and they knew that most of my money want to the car by fixing it instead making my payment on time and miss days out of work ...
Product: Debt collection

LVNV IS REPORTING A COLLECTION TO MY CREDIT REPORT FOR THE PAID OFF CREDIT CARD.. MY NUMEROUS ATTEMPTS TO REACH THEM TO REQUEST THE VALIDATION OF THIS ACCOUNT OR DELETION WENT IGNORED AND THIS IS STILL DAMAGING MY CREDIT. PLEASE HELP AND REMOVE THIS FROM MY CREDIT REPORT IMMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for 10 years now!!! 
It says I lived in New York in 2009 ... I have never been to New York in my entire Lifetime!!! 
My identity was stolen some time in 2009. I have written Transunion several times over the years to try and correct this fraud, and every time they say they correct it. 
Just received my new report ... same New York address listed on the report. 
Tried calling them, can't speak to anyone there, just a computer.XXXX Can't access their website either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.
Product: Credit card

Greetings, XXXX XXXX here, I am writing CFPB, regarding American Express, and their false practices. I have been a loyal customer of American Express for XXXX, currently American Express decided to close all of my accounts without my consent. This is direct violation of FCRA laws. Under the FCRA I am protected from my rights being violated, firstly they never provided any notification, until I noticed all my accounts were closed abruptly and decided to make a call.

Also the ECOA, Equal Credit Opportunity Act, protects me from discrimination which is exactly what is occurring. Regulation E states clearly they must provide notice before closure, especially ones associated with electronic transfers, plus the FDIC and OCC rules follow guidelines pertaining to fair treatment when closing accounts. In this case AMEX, expressed I made a call requesting my account be closed. This is the farthest from The truth. 

I called to ensure my payment or {$55000.00} USD was accepted just to see all Of my accounts on closed status. This is highway robbery, and I would like this to be resolved with you as our arbitrator. 

As to sequence of events. 
A Payment ( XXXX ) made and I was asked for verification it was sent but not in the form they requested, all of my accounts were cancelled within less than XXXX the next day A Larger payment ( XXXX ) was accepted no issues When called to inquire I was lied to stating it was done at the consumer request. I would have no reason to cancel all of my accounts, theyve gone to the extent of expressing it is my voice on recorded line, again, false. As I have provided my call log from XXXX, and I never made a call on the date they are fabricating. 

Scope : XX/XX/XXXX payment XX/XX/XXXX follow up call XX/XX/XXXX account cancelled XX/XX/XXXX called to inquire regarding cancellation XX/XX/XXXX escalation team on the file XX/XX/XXXX escalation team called back stating they heard the call on the XX/XX/XXXX ( no called made phone records shows proof of no contact ) Please restore ALL OF MY ACCOUNTS! Amex has several write ups for doing this repeatedly to their loyal customers. This is thievery at its finest, and violations of plenty laws that can create a litigation matter. I have a business to run and this is impacting my credit scores, my business and my overall livelihood.
Product: Credit card or prepaid card

Today I Bank of America at XXXX and spoke with a female claiming to be XXXX XXXX who said that she had submitted the request to remove all the late fees for a total of {$100.00}. I had to repeat the reason for non-payment a 4th time which has not changed. I did not get my statement. They were put in the wrong mailbox. Instead of XXXX it was placed in XXXX. The 1st female who cancelled the 1st card I never received took the information. She was rude claiming it's not a Bank of America problem, it's a postal problem. I made a complaint to the Post Office. I made a request on XX/XX/2018 to XXXX XXXX who probably never attempted to put the late fees in, then XXXX a late fee was added