23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a debt validation letter to TRANSWORLD systems on XX/XX/2022 and they received it on XX/XX/2022 via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I do not owe this debt. This company has failed to validate this debt by not responding at all. Please delete this collection account.
Product: Credit card or prepaid card

I would like to make a complaint to U.S Bank Radisson Reward Credit card and its issuer. I have been owning this credit card since XXXX and been paying annual fee {$75.00} every year. When I opened this credit card, I was promised that I would get XXXX renewal hotel bonus points once I have paid {$75.00} annual fee. For year of XXXX, I paid {$75.00} annual fee on XX/XX/XXXX, but I have never received my renewal bonus hotel points. The annual fee is due for XXXX, but I paid my annual fee one month late due to the fact that I didn't receive my credit card statement either by mail or email. 

I have been calling them since late XX/XX/XXXX and early this year, every time when I called their customer service, I was told that they would investigate and get my renewal points back. However, I called and spoke to one customer service representative and two supervisors, I was told that I will NOT get my annual renewal bonus due to being past due for the annual membership fee. When I applied this credit card, I was told that I will get my renewal bonus points as long as I pay my annual fee. 

Also, when I tried to cancel this credit card, I was told that they can cancel my credit card, but I will not get my annual fee back. I was told that it's too late to get my annual fee back, but the fact is that every time when I called, I was told not to worry about my renewal bonus and they will issue my renewal bonus the coming month. If they told me I can't get my renewal bonus in late XXXX or XXXX, I would just go ahead to cancel this credit card at that time. I think they have been cheating, making false promise and having me to wait months after months. 

I have owned several credits cards from different banks or issuers, I believe U.S Bank is the only bank that try to do everything including cheating and fraud practice to gain at the expense of customer 's loss. In this case, I got nothing for having paid U.S. Bank {$75.00} renewal fee. I can't get my annual fee back even if I would like to cancel this credit card. 

I would like the help from your agency to help get my renewal bonus points back or get my annual fee back if they can't give me any renewal bonus points.
Product: Mortgage

I applied for the disaster forebearance plan for the event of the beginning of this year. I was enrolled in the forebearnace program on XXXX of XXXX, my forebearance plan expires on XX/XX/XXXX of XXXX. I recieved a call from the lender XX/XX/XXXX about completing a loss mitigation packet and moving forward and stated that I was on COVID forebearance and I asked to verify and it was a disaster forebearance. I believe that it was coded to COVID forebearance instead of disaster forebearance on the lender 's end. The representative over the phone told me that I may want to complete the process as soon as possible that my escrow was currently negative and I have interest that is currently incurring. I don't know if this is true or not but I do know based on forebearance plan that this is unfair and especially if this was indicated a XXXX XXXX loan based on what the lender explained to me. Next, lender told me that it's a problem for the approval team to put the 7 months in deferral if i don't cover XXXX and XXXX monthly mortgage. However, the odds of it approving higher if I just defer 6 months of mortgage. This makes no sense since I am eligible for 12 months of forebearnace. Attached are the disaster payment deferal I found on the XXXX XXXX.
Product: Mortgage

I am writing to let you know about the fraud that a company or a program which until recently called itself XXXX XXXX and now calling itself EarnUp committed. CGPB actually had a ruling against it in https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-mortgage-payment-company-and-servicer-for-deceptive-ads/ They took our money and won't pay the bank for the mortgage. They won't pick up the phone or call back. We don't know what to do.
Product: Debt collection

A year ago I found a credit bureau listing from Capital One Bank ( USA ) stating I owed a debt. I disputed the debt and never received any further information. This account was opened by my ex wife after our divorce fraudulently in my name. I have no contact with my ex wife as she has not been in contact with me or our children for 4 years. She is delinquent on child support and we have no way of locating her. A law firm called me a year ago about this debt and I informed them I disputed the debt. I live in New Mexico, they had an address in Nebraska which I believed to belong to my ex wife. They, XXXX XXXX XXXX with XXXX XXXX XXXX in Minnesota, did not contact me again until this week when I received a letter forwarded to my New Mexico address from my ex in Nebraska saying that Capital One Bank ( USA ) has sued me in Nebraska and demanding a hearing in Nebraska in 2 days. I LIVE IN NEW MEXICO. I have no means to get to NEBRASKA  to again dispute a debt I have previously disputed. I have researched XXXX XXXX and they have settled several CLASS ACTION lawsuits when suing people who did not owe the bill. At this point unless this is removed, I will have no choice but to retain the firm that won these Class Action Lawsuits against XXXX.
Product: Credit card

Bread financial who hosts XXXX XXXX credit card charges {$37.00} late fee. I thought that companies were no longer allowed to charge such excessive fees. In this instance I was a few days late on my payment. If I make a payment a day late they charge the fee. If I ask for a courtesy, they will allow it one time per year. We consumers do our best to make our payments timely, but at times life causes us to miss payments. For me, my youngest just graduated high school and my life has been consumed with that.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam : I am a XXXX at XXXX XXXX and had transferred USD XXXX on XXXX XX/XX/2019 from my salary account through my card for my family expenses to my XXXX account number at XXXX  XXXX XXXX ( the details are attached for your ready reference in the attachment ). I received message from Remitly INC of money transferred but did not receive it in my account in XXXX. I checked with in my branch after not receiving the money in my account I called Remitly INC. Remitly told me to check with the XXXX   in XXXX and to send me a copy of my Bank statement. I have done that and send them all the documents which they asked for over the phone. 

I have send several statement to Remitly, called them but till today have not received my funds. I even made a complaint to the XXXX XXXX  XXXX XXXX which is the XXXX XXXX  XXXX XXXX and all the Banks are under the control but my funds are still not received. 

I have gone thru lots of hardship during my stay in XXXX and had to borrow money for my family expenses. 

Now Remitly does not write to me or call me or give me any updates of my funds. They are not at all bothered. 
I was on ship from XX/XX/XXXX in XXXX Lockdown and could see the Remitly INC office from the ship but I was not able to go out of the ship and complaint to them in person or recover my money. I had no salary on the ship. 

Now in this trouble time I need this money for my family. I have taken loans and have to repay and my family includes my XXXX school going children ( age XXXX and XXXX  years, my spouse, my father who is XXXX  years and my sister XXXX  years I have to take care of in XXXX. I have no money now. 

Please help me to recover my money. 

I have attached my documents for your ready reference. 

My contact details are : XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX or XXXX XXXX XXXX or + XXXX XXXX XXXX Email Id : XXXX or XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my wife and I transferred {$100000.00} from my wife 's checking account at XXXX XXXX  to our joint savings account at XXXX ( Webster Bank ). The money left my wife 's XXXX checking account on XX/XX/2022. 

The transfer didn't go through because we used my online profile with XXXX instead of hers ( she has no online profile with XXXX ). For security reasons, our savings account at XXXX was put on hold and our external transfer capability was suspended. 

We send XXXX the documents they required, i.e. our diver 's licenses as well as the most recent statement of my wife 's XXXX checking account. Our account was reinstated as well as our external transfer capability. 

However, as of XX/XX/2022, our money has not yet been returned to my wife 's XXXX checking account. And it is not in our account at XXXX. 

We have been in contact with XXXX multiple times over the phone ( ~ 6-8 times ) and via XXXX 's online message system ( online account ). They are not being helpful. 

On the transfer page, the transfer is not marked as " declined '', " rejected '', " canceled '', or " failed ''. It is marked as " manual '' ( whatever that means ). 

Among our many calls, I spoke with a representative at XXXX on XX/XX/2022. The gentleman I talked to said the transfer was started on XX/XX/2022. My wife contacted XXXX on XX/XX/XXXX, who confirmed that no letter of intent was received. 

We have been misled and lied to by XXXXWebster Bank for the past 2 weeks. Our money is nowhere to be found. 

By any reasonable standard, the situation is unacceptable. We believe XXXX is not following the regulation pertaining to funds availability. 

We need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX invaded my privacy and illegally entered my apartment
Product: Debt collection

On XXXX XXXX, 2015 I sent a certified letter to Grant & Weber requesting verification of the debt they have been reporting on my credit profile. The debt total {$150.00} + {$50.00} for interest. I have yet to receive validation of this debt. On XXXX XXXX, 2015 I decided to send a letter to settle this debt and have it removed from my credit profile. Since the amount would total XXXX I figured I would save my self time and money and send them a request to settle this account. On XXXX/XXXX/2015, I received a letter from Grant and Weber stating they have no record that I made no attempt to contact their office. I have attached the XXXX certified letter receiptsand copy of the letter I received from Grant & Weber on XXXX/XXXX/2015. I was under the impression that they are required within 30 days to respond with proof of this debt belong to me. The letter dated XXXX/XXXX/2015 was not validation but a collection letter, they totally ignored validating this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st Franklin has failed to verify the debt reporting to XXXX under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
Product: Debt collection

On XX/XX/2019 I received a summons for court from attorneys XXXX XXXX, XXXX XXXX, & XXXX XXXX who are representing Midland Funding LLC. This was the first time that I was informed that I supposedly owed someone any money. On XX/XX/2019 I mailed a validation letter XXXX certified ) which I obtained from the Fair Debt Practices Act to the above attorneys since all correspondences for Midland Funding LLC go to them. I received a letter back from them but all questions were not answered. I was not able to verify anything about Midland Funding LLC if they can do business in the state of Arizona, if they have the proper licensing to do business, or even if they are a legitimate business. They denied me that right, because they did not send all of that information I requested in that validation letter. Therefore I files a motion to dismiss the case against me. They filed papers trying to dismiss what I filed & so on. There was a hearing. When I went to court I explained that I sent a validation letter to Midland Funding LLC via their attorneys they didn't answer all of the questions therefor the case should be dismissed. A few days later I received another paper from the attorneys representing Midland Funding LLC that I didn't file an answer so it should be a default. The very next day I filed an answer to the court about this case basically stating all of the above. Also in the answer I filed in court I stated because they didn't answer all of my questions, they are not allowed to continue trying to collect the debt from me, nor can they sue me, or list it on my credit report. If they do, I can file a complaint, so I did.
Product: Student loan

I pay extra on my student loans every month because I want them paid off as soon as possible. I also make sure to check the box saying I do not want them to move forward my payment date but without fail every month some of my loans will randomly say that I owe {$0.00} for the month. If I set up auto pay and I miss it then nothing is paid on these loans and the interest builds for an extra month without me making a payment on the loans. I have tried to make the payments multiple ways and still I get these loans that say I owe {$0.00} so nothing is paid toward it but the interest grows for that month. I have called multiple times asking about this and all they do is apologize and one lady told me that it was a website issue that is currently being worked on. That was months ago. I just want to pay off my loans as quickly as possible and I feel like Navient is doing everything in their power to make sure I pay them as slowly as possible so they collect more in interest on all my loans. I got myself into debt and I am responsible to get myself out but I truly believe this company is screwing me and others daily laughing all the way to the bank
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing issue of fraudulent items persistently appearing despite numerous attempts to remove them. This matter has caused significant inconvenience and financial loss, and I feel compelled to bring it to your attention for urgent resolution. 

Despite repeated efforts on my part to address these fraudulent items, they continue to surface, creating not only a sense of vulnerability but also undermining trust in the system. It is evident that the current measures in place are insufficient to prevent the recurrence of such incidents. 

As a responsible consumer, I have diligently followed the necessary procedures to report and remove these items, expecting a prompt and effective response. However, the persistence of these fraudulent activities suggests a systemic failure that requires immediate attention and remedial action. 

I urge you to conduct a thorough investigation into the root causes of this issue and implement robust measures to prevent its recurrence. Furthermore, I request transparent communication regarding the steps being taken to address this matter and restore confidence in the system. 

Additionally, I seek compensation for the losses incurred as a result of these fraudulent transactions and the inconvenience caused by the repeated attempts to rectify the situation. It is essential that appropriate restitution is provided to mitigate the financial impact and restore trust in your services. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXXXXXX Balance XXXX {$0.00}.
Product: Vehicle loan or lease

The wage garnishment is from an auto repo in XXXX from Credit Acceptance Corporation. 
I had a judgement against me in XXXX. I could not pay as I was back on SSDI. In XX/XX/XXXX I received a letter from an attorney, XXXX XXXX XXXX XXXX, delivered regular mail not certified stating that papers were filed to have my wages garnished. This was the first time I ever heard from this attorney. Around the XXXX of XXXX I received notice again by regular mail, dated XXXX from my employer 's payroll service XXXX stating my wages were going to be garnished for XXXX by deductind 25 % from each check. I never received notice from the lawyer or the Sheriff Office. I have custody of my XXXX grandchildren and I am head of household. There is no way I will be able to pay my bills and provide for our basic living needs. Also, I work for a corporation who subcontracts for XXXX  [ XXXX and XXXX XXXX ] a XXXX XXXX who has a difficult background check to pass, which I have not cleared yet. Financial obligations are part of the background check, with that being said I am concerned about being cleared with this wage garnishment. 
I may loose my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX  AccT # XXXX ... 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Beware of this company - They were intending to charge 173 % interest on a title loan from XXXX. The companys response is very unprofessional and somewhat catty with their comments even adding in thier last response to me that I must have " used a languauage for the internet that assist consumers in efforts to clean their credit up ''. Took out a title loan in late XXXX for {$2500.00} with a finance charge of {$8600.00} and total of payments {$11000.00}. After falling on hard times I fell behind on the payments and car was eventually repossesed. In XXXX when I was able to get back on my feet ( and after being continuously harassed, called and hounded ) I was able to agree with a rep to settle my debts. I was told that this would be removed from my credit, even though I was signing a paper that was saying the debt would remain on my credit the rep made it sound as though it was protocol and continued to pressure me into just signing the paperwork. I agreed to pay a balance of {$1300.00} and was told that the car was sold for {$3100.00}. Totaling {$4400.00} paid to loan mart, and a wopping {$1900.00} profit made on the original title loan. I made a general complaint about the company and in retaliation they added new negative remarks to my credit report that was not previously showing dropping my score all for sharing my concern and my known truth about my experience with Loanmart. They use intimidation tactics to pressure people into paying amount owed, signing their paperwork and manipulate people who may not have the best understanding of contracts or legalities. The amount of the loan was paid off, I tried my best to settle my past debt, its not like I am asking them to remove this from my credit after not ever making a payment. The car was repo 'd, I settled the debt and plenty of time has moved past and this big company wants to hold somones credit down going on almost 7 years after they took out a title loan. With this type of practices its no wonder that there is multiple class action law suit that is building against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which entitle me to request the removal of fraudulent or unauthorized accounts resulting from a data breach. 
The following accounts have been compromised as a result of the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$950.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Bankruptcy XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX