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

I sent a payment to Discover via the U.S.P.S I usually do not send my payments through the mail but I was going out of town and just dropped it in the mail. I was out of town for a while and when I returned home XXXX XXXX had damaged my home. So I had to stay with friends and relatives because I have XXXX and there was mold in my home. After we were able to move back home I looked through all of my mail that had accumulated during our absence and I found an envelope from the post office. The contents of the envelope contained a mutilated/water damaged check that I had mailed a few months ago. I really did not dawn on me that Discover did not get the payment that I had previously mailed until I checked my credit score. I found out that I was late for two months. I called and explained what had transpired with the post office and offered to send them the letter from the post office showing that the payment was destroyed. They said there was no need for that and that things happen. On the last phone call the gentleman was going back and forth with the investigation team while I was on the phone that I spoke to said they will fix the lates. However, I received a phone call and was told that they were not going to fix the 2-thirty day lates. I then asked the representative to listen to the call since it was stated that the lates would be removed she said the calls are not always available and she has no access to listen. I asked why do they record calls if you ( the customer and the employee ) have no way to hear them? She told me they are not always available to listen to.
Product: Credit card or prepaid card

I received a credit through XXXX on a hotel in XXXX which I booked for months ago and paid my visa bill in full for it. My recent visa bill shows XXXX due and a credit of {$990.00}. My bill is due on the XXXX of each month and I pay each month in FULL the entire bill. I have had this card for many years through XXXX Visa. I requested a refund for my credit on XX/XX/18 and was told it mailed out on XX/XX/18. I called re : the  check on XX/XX/18 and was told they were holding my refund against purchases made AFTER the closing date on which the payment is not due again until XX/XX/2018.I am current and my bill clearly states XXXX payment due until XX/XX/2018. In essence they are holding my money as a DEBIT card transaction instead of a CREDIT card where payment is not even due until XX/XX/XXXX. If my payment was late, I would be assessed interest and a late charge, but they can hold my credit in advance of any payment due and not pay me interest. I find this fraudulent, my credit card is being treated as a debit card and they REFUSE to send me a refund of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A transaction between me and a business partner was made through XXXX on XX/XX/XXXX. In XX/XX/XXXX I started to receive letters and phone calls from XXXX  claiming I'm responsible for the balance that XXXX XXXX didn't pay. XXXX XXXX is a business partner owner of XXXX XXXX XXXX XXXX, my business is XXXX XXXX XXXX XXXX representatives explained to me several times that the transaction was fronted to me, and when they went to issue a check to XXXX  XXXX XXXX it was rejected. We went back and forward for a week or two. Then I presented a transaction that showed funds leaving " XXXX XXXX XXXX XXXX account into my account '' XXXX XXXX XXXX XXXX' which was processed on XX/XX/XXXX, which clearly proves that they lied about fronting me the money, which is why I don't trust this company. I even filed a complaint with XXXX XXXX XXXX, XXXX never responded, actually then proceeded to call me after they exhausted the time frame for XXXX  to interfere. I have spoke to XXXX XXXX and he explained that several disputes were made and he did receive refunds that had nothing to do with my company. Now XXXX  have reported this transaction on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections/Charge off 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
Product: Credit reporting, credit repair services, or other personal consumer reports

applied for a 1 time loan inquiry for a new car loan with XXXX XXXX   XXXX in PA. I was told they would not be able to help me out ... .I continue to receive countless letters of credit being run on a consistent basis from them with different banks etc. I have called the dealership and the sales rep i worked with and have received no response back. The sales rep was XXXX this is his number XXXX ( XXXX ) XXXX. 

please help
Product: Debt collection

On XXXX XXXX, 2016, Performant Financial also known as Performant Recorvery Inc. made an unauthorized inquiry on my credit report. 
Additionally, I have not received any written communication from this company to verify the debt owed.
Product: Debt collection

XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX This doctors office did not run my claim through my insurance and then tried to bill me the full amount. We have repeatedly tried to get this corrected and it has since been sent to collections with Capital Accounts LLC for {$320.00}. This has destroyed my credit! They have told us multiple times they would cover the bill due to their own mistake for not running it through our insurance. They say they will email us with verification and never do. I informed the collector of this and they said they would email me which they never did. I have emails my husband sent to the doctors office explaining to them our case which weve taken every step to communicate with them and have been told multiple times it was taken care of and yet found out later it never was it is now in collections effecting my score. I am out of options I need this removed. I will reach out for legal help.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent Experian, XXXX, and XXXX letters highlighting accounts on my report marked as Charge Off. I Informed the company in writing that an Charge- off is an Certificate of indebtedness and a Certificate of indebtedness is income and that income can not be reported on my credit report. I have also in writing that having these accounts that's reporting income on my report are in violation of The Privacy Act of 1974. For these violations I asked in writing for these accounts to be deleted. The List of accounts below are the ones that require action. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX/ Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX Also these accounts are in violation of 12 CFR 1022 which violates 15 U.S.C. 1681ba ( 1 ) ( 2 ) No court has issued these accounts to be furnished on my report and also I never gave my written consent to furnish these accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$58000.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXXXXXX Balance : {$2200.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute due to inaccurate and incomplete information reporting on my Transunion credit report for XXXX XXXX Account # XXXX on different occasions which did not provide any results. The account is missing most of its payment history. Transunion continues to report incomplete and inaccurate information regarding this account. It has been my understanding that the CRA must maintain complete and accurate information. The information related to this account is inaccurate. 

Maintaining inaccurate and incomplete information on my credit report after an investigation is a violation according the FCRA, Section 611. Transunion has not properly investigated my dispute. ( Sect 611 ) I filed a complaint with this entity under XXXX because Transunion would not help me fix the issue. The credit bureau, Transunion, issued an investigation result regarding my dispute on XX/XX/2021 File # XXXX. In their reply to the initial investigation, Transunion mentions aspects of the dispute process, but they have violated my rights on numerous occasions. 

Their investigation results stated that the information was " verified and updated ''. However, the same information ( payment history ) was omitted!! How is it possible that a creditor can report no payment history, except what is negative, and the credit bureau validate it as verified? The Transunion staff members whom I spoke with confirmed that the information was missing. At least one individual attempted to get me to investigate my own credit file dispute for them instead of helping me get correct information updated.
Product: Checking or savings account

Starting a claim XX/XX/XXXX because XXXX charged double for an item. They refunded the double charge. I then returned the item and never received the refund for the return. Called XXXX havent heard from them. Called Simple bank dispute team and was told to make another claim on XXXX XXXX. Called XXXX XXXX and was told new claim was never made and the would have to reinstate the claim. Ive sent emails to disputes department with screenshots of the order return confirmation. Ive messaged support team numerous times and still have no resolve. I tired of the run around and will just like this to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed some accounts on my credit report that are not accurate to my person. I am making the complaint to have CFPB investigate and have these items removed from my file. I have included the accounts on here to get a proper and fair response for my submitted complaint. 
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
Product: Vehicle loan or lease

On XX/XX/XXXX at I bought a used auto, XXXX XXXX XXXX from XXXX XXXX in XXXX-AZ . The total cost of the car was around {$25000.00} and I made {$4000.00} deposit and I am to finance the remaining {$21000.00}. After the dealership called me that theyve got a lender that will finance my car I realized that the lender ( Flagship Credit Acceptance ) and the dealership rather applied the interest rate on the entire {$25000.00} before subtracting my {$4000.00} deposit that I made. As a result, Ive been Ive been making my monthly payments of XXXX since XX/XX/XXXX but still my principal with the lender is still at {$24000.00}.
Product: Student loan

While the VA was in the process of making its determination that I was XXXX  % totally and permanently XXXX, Sallie Mae rejected my XXXX application despite my XXXX % rating from the VA and additional medical  documentation. On XX/XX/2024 and XX/XX/2024 I submitted letters to inform Sallie Mae that the VA then determined I was XXXX  % totally and permanently XXXX and also requested forbearance be reinstated. At Sallie Mae 's request, I submitted a new application with that documentation on XX/XX/2024. Sallie Mae refused to directly or timely acknowledge the XX/XX/XXXX application. After following up with Sallie Mae by phone on XX/XX/2024 representative ID XXXX placed me on extensive holds before acknowledging my letters and application, eventually describing the application as " pending, '' but providing nothing in writing. On XX/XX/2024, Sallie Mae sent a letter merely stating, " Thanks for contacting us about your loan. We'll review your concerns and get back to you shortly. '' Sallie Mae is refusing to acknowledge the forbearance request or XXXX application and has been billing me and charging me late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

You inform me to contact the creditors and I have done so. According to FDCPA 809b you are required to update these accounts until they validate. I have requested validation and they have not produced it. Please update them now : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$39.00}. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness on the information to my address provided.
Product: Vehicle loan or lease

XXXX XXXX XXXX Registered Owner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Complaint Regarding Ally Bank 's Refusal to Acknowledge UCC-1 Filing and Release of XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally submit a complaint against Ally Bank regarding their refusal to recognize the legally recorded UCC-1 Financing Statement for XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ), which is owned by the XXXX XXXX XXXX Living Trust. I am the Registered Owner, Trustee, and XXXX of this irrevocable trust. This UCC-1 filing was properly recorded with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, at XXXXXXXX XXXX under File Number XXXX. 
The vehicle is currently located at XXXX XXXX XXXX, and Ally Bank is the financial institution involved in the transaction. In accordance with my rights as the Registered Owner, Trustee, and Grantor of the trust, I sent a formal letter to Ally Bank to acknowledge the trusts claim over the vehicle and facilitate its release. However, instead of processing the request appropriately, Ally Bank returned my letter without providing a substantive response or recognition of the legal documentation. 
This refusal to acknowledge a properly filed UCC-1 statement constitutes a violation of commercial law and financial regulatory standards. Under the Uniform Commercial Code ( UCC-1 ) and relevant consumer protection laws, Ally Bank is obligated to respect and recognize the trusts secured interest in the vehicle. Furthermore, pursuant to 12 U.S.C. 411, the demand for lawful money must be adhered to without unnecessary restrictions beyond the standard requirements of commercial law. 
Relief Requested : 1.Immediate acknowledgment by Ally Bank of the UCC-1 filing securing the trusts legal interest in the XXXX XXXX XXXX XXXX. 
2.Formal justification from Ally Bank for their rejection of my previous communication. 
XXXX authorization for XXXX XXXX XXXX to release the vehicle into the possession of the XXXX XXXX XXXX Living Trust , as the rightful secured party. 
4.A full investigation into Ally Banks handling of this matter, ensuring compliance with consumer protection and commercial laws.

Ally Banks failure to process a lawful request and recognize a properly recorded UCC-1 filing not only obstructs my trusts rightful claim but also raises concerns regarding their adherence to financial regulations. As the Registered Owner, Trustee, and Grantor of the XXXX XXXX XXXX Living Trust, I demand immediate resolution to this matter. 
Please confirm receipt of this complaint and provide me with any next steps regarding the resolution process. I can be reached at XXXX or XXXX for further discussion. 
Thank you for your time and attention to this matter. I appreciate your prompt response. 
Sincerely, XXXX XXXX XXXX Registered Owner, XXXX XXXX XXXX XXXX XXXX XXXX Living Trust
Product: Debt collection

I sent several letters to Portolio Recovery to verity that this debt belongs to me. I am not familiar with this debt at all. The have not sent me any information to verify that this account with XXXX XXXX is my debt.
Product: Debt collection

I saw that XXXX XXXX and XXXX put a {$200.00} charge on my credit. Upon calling, I was informed it was for a water bill for a home I no longer own/reside at. I had closed the account prior to moving and was confused as to how there was a remaining balance. I requested validation of debt. My first contact ( XX/XX/XXXX ) I was spoken over and hung up on and I had to call back to speak to someone else. I followed up today ( XX/XX/XXXX ) as I have not received the validation documents as of yet and was told by XXXX XXXX XXXX XXXX ) that they were sent on XX/XX/XXXX. She validated my mailing address as accurate and said she would send them XXXX more time after that she couldn't help me anymore. I requested to have them sent via email but she refused. She then began to speak over me and refused to transfer me to XXXX. I requested multiple times to speak to a supervisor and she hung up on me. I called back and spoke to someone else to complain but it seems that speaking over consumers and being difficult to work with is a standard tactic for this company.
Product: Checking or savings account

Good evening, my name is XXXX XXXX Ive been trying to unlock my us bank account since XXXX XXXX.To begin with I never even received a card to access my benefits in the first place and when I get the card I am locked out.I sent in my documents and I am still having problems even getting in contact with somebody to help fix the situation.This is my last resort please help.
Product: Mortgage

XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will  prove that I have been in a modification position since last year. I have submitted every document requirement requested by Franklin American Mortgage Company. However, this financial institution  filed a foreclosure action a XXXX old XXXX woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to Franklin American Mortgage Company within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX within a reasonable time period. 
2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition. 
3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation. 
I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX. XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.
Product: Payday loan, title loan, or personal loan

Initial request gave an incorrect interest rate. I am currently paying an unbelievable interest rate. My loan details are as follows : Account Type Installment Loan Original Annual Percentage Rate ( APR ) 98.90 % Original Term 72 Months Contract Date XX/XX/XXXX Current Maturity Date XX/XX/XXXX Current Interest Rate 93.50 % Current Payment Amount {$410.00} Current Payment Frequency Monthly Amount Financed {$5000.00} Outstanding Principal Balance {$4800.00} Accrued Interest {$510.00} Unpaid Fees {$270.00} Total Outstanding* {$5600.00} I have been paying for over a year on this loan and now owe more than what the original loan was for.