23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

EOS CCA alleged that I owe them {$32000.00} for student loan debt that they claim they purchased from XXXX XXXX , XXXX EOS CCA REFUSES to provide me with an account statement or any type of written communication to validate this debt. I have asked for such validation in writing on two occasions, via certified mail, in XXXX of XXXX and again today, on XX/XX/XXXX. Today, I again, spoke with XXXX at EOS CCA, who informed me that she could not provide me any account statements or any other such documentation to validate this debt. I have paid monthly payments to EOS CCA for this debt each and every month from XXXX of XXXX through now, XX/XX/XXXX. EOS CCA refuses to provide me with any documentation that reflects receipts of those payments or that such payments have been credited to my account. On XX/XX/XXXX I obtained copies of my credit reports from all three credit bureaus, XXXX, XXXX and XXXX. None of my credit reports reflect any debt owed to EOS CCA. 

In summary, EOS CCA has refused to validate this debt, despite my written request for them to do so on two occasions, via certified mail, EOS CCA has refused to provide me with any account statements for this alleged debt, EOS CCA has refused to provide me with any documentation that they have credited my account with the payments I have made to them each month from XXXX of XXXX through XX/XX/XXXX, and EOS CCA hasn't even reported this alleged debt owed to any of the credit bureaus. I have absolutely no way to know if this is in fact a valid debt. Please help me.
Product: Vehicle loan or lease

XX/XX/23 My wife and I decided to sell our car because we are downsizing. Since the vehicle had extremely low mileage and was worth a lot of money, we decided to sell our car to XXXX. We still had a loan with Mechanics Bank, so the deal was that XXXX would pay off the loan at the time of the sale. We sold our car on XX/XX/XXXX and received our direct deposit on the XXXX. So bluntly, on XX/XX/XXXX we officially did not own the vehicle. At the time of the deal, the representative at XXXX advised us to make our upcoming car payment ( due on the XXXX ) to avoid any delay in paperwork processing. The representative assured us that we would be reimbursed for this payment. So fast forward to XXXX ; when we called Mechanics Bank on XX/XX/XXXX, they informed us that we would receive a reimbursement check by XX/XX/XXXX. So, on XX/XX/XXXX, we called Mechanics Bank and told them we had not received our reimbursement check. The Mechanics Bank representative told us they would have to check with another department and they would call us back. So, on XX/XX/XXXX, we called back, and they told us, after looking at the data, that we were not due any reimbursement. We were in total shock and complained. They told us that the group of supervisors decided that the lien was not officially released until after our payment date of the XXXX. We feel like we were lied to and actually feel like Mechanics Bank stole our money. The money amounts to {$450.00}, which is not significant to most people, but it is the principle of the matter. We simply will never consider doing business with Mechanics Bank again. They stole our money and spit in our faces, telling us tough luck. 

XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX AND DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  XXXX AND DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all derogatory accounts XXXX stra Height financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I continue receiving unrequested and unwanted promotional offers for credit cards from  Capital One. I  had this same problem at my previous address and filed a complaint with the CFPB, which you promptly addressed. I hope can fix my current problem too. After receiving several unsolicited and unwanted offers from Capital  One at my  new address, I submitted a 5 year opt out request at  XXXX  on  X/XX/2017   , because I was not certain I had submitted a request for my new address. However, I suspect I did b ecause Capital One is th e only card issuer I have received solicitations from. In spite of my opt out submission I continued receiving offers from C apital One so  on  X/XX/2017    I called  Capital One  and notified them directly that I did not want to receive any more solicitations from their company. I was told my request would be processed wi thin two weeks, a fter which I would not receive any more solicitations from  Capital One . On  X/XX/2017   , approximately  4 weeks after su bmitting my request, I received another solicitation from  Capital One. I ha ve not had any business with this company such that they have a legal right to keep harassing me like this.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan at ACE cash express and when I proceed with the application they did not tell me that they have to do a credit check because in the yellow pages it said no credit check but they are doing false advertising and if you applied several months or ago they will not ask you have any of your information has change they just give you a denied letter going off some old information and then storing your information so if you come back to reapply they still have your information they are not suppose to keep your information in their database because information on your report change over the months and years. They just do n't take out time to update their system so it can have the information up to date.
Product: Checking or savings account

Chase locked my online access due to unusual activity and told me to call XXXX. I called and after a long runaround from various departments, they said the Savings and Checking account is restricted due to an unresolved claim. I was told that I could visit a branch to withdraw my funds with a personal banker. I drove four hours to visit a branch and was told that they could not help me. I spent days on the phone trying to get help and being treated badly by this company. l 've accepted the fact that they are going to close the account after 10 days and l 've been calling and asking them to just close it out immediately so they can give me back my money. Now l 'm stressing about are they going to even give me my money back, how are they going to give it back to me. My savings account has {$8000.00} in it which is everything that I have and I don't even know what to do because I do not have an address for them to send a check to due to losing my place of living with no access to my money. Now that all the claims are closed and there are no pending issues I should have help to withdraw or transfer my funds. This is unacceptable for Chase to treat so many people this way. I am a single mother with no other means and Chase should be ashamed for the way they treat their customers.
Product: Debt collection

My name was forged when they tried to serve me. I tried to contact it was a XXXX XXXX Clerk, who knew nothing of this. The serving person Committe fraud I told them, they could care less. They just move forward tying to intimidate me. They took my taxes for XXXX and break the law at every chance to get money. I tried to settle after this and would not move forward. Im having all my rights trampled on by this debt collection law firm Machol & Johannes XXXX CO. There abusing all my rights and are committing criminal acts with no care in the world.
Product: Mortgage

I was enrolled in a Covid -19 program I split one payment into two payments for one month. I submitted the {$91.00} later in the month. The {$91.00} was added to my monthly payment due when I called in for the error to be corrected. Then the money reversed out again in XXXX, causing XXXX payment to require a {$91.00} payment. Mr. Cooper has mismanaged my account and the errors needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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  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: Debt collection

On XX/XX/XXXX, I received a phone call from the Law Office of XXXX XXXX, I returned the phone call XX/XX/XXXX. After speaking with the lady on the phone XXXX, she explained that I owed {$2000.00} for my purchase of my XXXX XXXX XXXX. She said I defaulted on a check and If I don't pay it then she is putting in the " charge '' and she will be repossessing my car. The only lienholder on my contract, and on my registration is Chrsyler Capital. I did not agree to pay any extra {$2000.00} to these people. On my legal XXXX XXXX XXXX XXXX shows I fulfilled my full down payment of {$4500.00}. I am being harassed and threatened by the company. Per any contractual law. I am only legally obligated to pay my lienholder which is Chrysler Capital and have made no further agreements to any other lender, or promised to pay any other amount of money to. I am including a copy of my contract.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX- Shows 1 late payment for XX/XX/XXXX on all three credit bureaus - Dispute is regarding inaccurate information being reported for this tradeline. For each report, they each report a different closed date. XXXX confirms it was closed XX/XX/XXXX, when TransUnion shows XX/XX/XXXX. XXXX and TransUnion report the same last payment date as XX/XX/XXXX when XXXX shows XX/XX/XXXX. TransUnion reports the worst payment date as 30-59 days when XXXX shows Current. Inaccurate information request that the account be deleted but I request for the accounts to be updated and the late payment for XX/XX/XXXX as paid. I have never been late for this account.
Product: Debt collection

I have disputed this alleged debt with Lvnv funding llc. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company has a hard inquiry on my XXXX XXXX  and XXXX Credit Reports but was unauthorized. I have no knowledge of the inquiry that reported on XX/XX/2020. The company has been contacted but has not resolved the issue. Below is the company details : Santander Consumer USA XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX XXXX {$230.00} XXXX  XXXX {$2100.00} XXXX XXXX {$470.00} XXXX  XXXX {$100.00} XXXX  XXXX {$950.00} XXXX XXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX {$190.00} XXXX  XXXX {$740.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX   XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX {$530.00} XXXX   XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX   XXXX {$740.00} XXXX XXXX XXXXXXXX {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my old car in and bought a new car. The finance department from the dealership had my address incorrect on the original papers and had to send me another set of documents to sign. While they were getting everything redone it took a long time to complete and as a result of this the bank submitted 60 days late payment to the credit bureaus. I had never missed or had a late payment in over two years
Product: Debt collection

XX/XX/XXXX, I entered an agreement with Gurstel Ghargo, PA in Minnesota following a stipulation and Confession of Judgement dated XX/XX/XXXX. I was supposed to make XXXX payments total of XXXX each and I made the payments religiously until the last two payments when the creditors contacted us to say that they have severed relationship with Gurstel Chargo and we should send subsequent payments to another collection agency, XXXX XXXX XXXX. They gave us the new information. I completed the remaining two payments with XXXX XXXX XXXX XX/XX/XXXX. To my greatest dismay, Gurstel Ghargo filed a judgement again me in XXXX County District Court on XX/XX/XXXX, claiming that I did not complete payment. I immediately responded with evidence of having paid the account in full, which I sent via certified mail. They received it because I received confirmation to that effect. Not hearing from them after sending the documents, I followed with several phone calls that they never returned. Now the judgement is still effective and all attempts to reach Gurstel Chargo to withdraw the judgement have failed. It may interest you to know also that whenever I called and gave them the last XXXX digits of my social, another person 's name pops up. At one time, they said that the account did not exist and transferred me to a voice message that never got back to me. 

I have had several problems with this agency. When XXXX XXXX XXXX severed relationship with them, I was told that it was due to some inappropriate business practices. I also feel that they are trying to stick someone else 's debt on me but it backfired due to their negligence and lack of organization. It may also very well be a malicious act on their part. 

What is even more upsetting is that they file frivolous lawsuits to get people to succumb due to lack of representation or resources. They also never send any notice of any filing or notice of summon, and just surprise people with a judgement against them. They have tried to remove funds from my account at one time, claiming that my husband owed them and that too backfired, because they could not prove that my husband was on the account, and they tried as much as possible to transfer whatever they are claiming he owes them to me. This is a constant harassment from this agency and I crave your indulgence in this matter. I need justice! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

11. SYNCB/XXXX Other Loan Late 60 Days {$0.00} XXXX. XXXX, 2015 States that I am 60 days late. I never opened this account and just want it corrected with the late payments and removed. Please ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter to experian disputing my account with XXXX XXXX XXXX and the company the debt was sold to XXXX XXXX XXXX. On XX/XX/2020 I received a copy of my credit report stating iteam remains unchanged from our processing of your dispute in XX/XX/2020. On XX/XX/2020 I mailed in a letter requesting their method of verification a week later I received a post card in the mail stating they would investigate on XX/XX/2020 I received a copy of my credit report again and in the account was updated from the dispute in XX/XX/2020 on XX/XX/2020 I mailed in a letter stating XXXX has been found guilty in a court of law of predatory lending practices and fraud and has been ordered to remove all negative information from my credit file along with the court documentation from the Arizona State Attorney Generals office. On XX/XX/2020 I received a copy of my credit report experian updated the comments stating I was XXXX to XXXX  military XXXX. I have never claimed to be in the military nor did I state I have been called to XXXX  military XXXX  wich would require me sending in documentation from the government or a military ID. Experian is not doing their job and properly verifying information on my account at this point they are making up stuff I have been negatively affected by their negligence I have been denied numerous job and housing opportunities due to experian not properly verifying information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion numerous times. I was told these inquiries will be deleted. They are still reflecting on my report. These are fraudulent inquiries that need to be deleted immediately.
Product: Debt collection

I notice on my Credit Report there is a 2 Companies reporting a charge off for a debt i did not use from their company. The company goes by the name Affrim Inc and also XXXX XXXX  XXXX it has been reporting this information for 6 months. I called the company several tines trying times explaining i do not owe them any debt explaining this has to be a mistake. They seem to be unsure of what going There is also quite a few addresses that are not correct on the report and inquiries inquires from XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Student loan

I rehabilitated XXXX loans through XXXX which were then transferred to Navient on XX/XX/2017. At the end of the rehabilitation program, 16 % collection cost fees were added to the principal followed by a 1.5 % Rehabilitation writeoff. The totals were {$48000.00} principal, {$8000.00} collection cost fees, and {$1100.00} Rehabilitation writeoff. The total principal transferred amount transferred from XXXX to Navient barring interest was {$55000.00}. ( confirmed by XXXX ) Navient is stating the total is {$55000.00} plus an unpaid collection cost of {$1100.00} for a total of {$56000.00}. They are charging me for the fees that were written off by XXXX. I have filed two disputes with the Office of the Customer Advocate at Navient and received the exact same denial response document both times. They are very unhelpful over the phone and claim to not have any answers. They schedule a supervisor to call and discuss but the call never comes. They are unwilling to discuss the disputes I have with the additional charge.
Product: Checking or savings account

On XX/XX/2019 I made a {$400.00} cash deposit into my Suntrust checking account on XX/XX/2019 my account was frozen and scheduled to be closed. The last transaction on the account was a withdrawal of {$140.00} at the branch on XX/XX/2019. I contacted Suntrust I was advised that my account would be closed 5 business days after the last transaction posted on the account. The withdrawal posted on XX/XX/2019 the account should have been closed on XX/XX/2019. My account has yet to be closed and Suntrust has yet to send my funds to me. They are keeping my funds when the account should have already been closed. Every time I speak with the internal department I am receiving conflicting information. They are robbing me of funds that are due to me and If I do not get the funds I will be seeking legal counsel it has been over 14 business days and I have yet to receive my funds from my account. This is highway robbery and ridiculous that it takes this long for my cash funds that I deposited to be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX HOSPITAL ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't believe what I saw on my credit report.. It says late 60 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.
Product: Student loan

On XX/XX/XXXX I was approved for the Income Base Repayment plan. Which I don't have to pay anything until The renewal which is next year, XX/XX/XXXX. I submit this paper work on XX/XX/XXXX, and was approved on XX/XX/XXXX but they still access a late for to me for XXXX. I shouldn't have a late fee because I submit my paper work before XX/XX/XXXX which would have been late at that time.
Product: Money transfer, virtual currency, or money service

I received a call from a person stating his name was XXXX XXXXXXXX XXXX from the XXXX XXXX sheriffs office. Before I did anything, I XXXX  his name and XXXX XXXXXXXX XXXX is indeed an officer in the arrest warrant department at the XXXX XXXX XXXX XXXX. I then called the sheriffs office directly and asked if XXXX XXXX worked there and they assured me that he did, and they transferred me to his number. I left a voicemail and he called me back anout 5 minutes later and told me that I had an arrest warrant out for failure to appear in contempt of court after not appearing from a subpoena. He told me that the subpoena had been delivered to the hospital where I work and that an authorized signer had signed for it for me. He said I had two choices the first was to proceed criminally, and come in and be booked or I could proceed civilly and pay a fine and the court costs, which would be refunded once I prove that I had not signed the subpoena myself. He been stated if that was the case I could proceed with a forgery case for whoever signed for me. I paid the court costs and fees through an electronic transfer from my bank, and immediately after the call disconnected and I realize I had been scammed. 

Its very scary when a scammer is impersonating an actual sergeant from my local sheriffs county department and there is no recourse for the scammer for something like that. Impersonating an officer should be a serious crime.