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

Ive had issues with paying my XXXX XXXX in the past using their app and web portal. It frequently crashes as it moves between the app and a website for payments and then freezes. Additionally, the XXXX XXXX statements were going to my spam inbox ( XXXX  ) and I did not realize that. I thought I had made payments monthly when Im paid on the XXXX, but one apparently didnt go through most likely due to issues with their website. I also never received any sort of overdue payment notice until it had crossed 30 days. I discovered this when logging in to pay the nexts months balance and promptly made the payment. I have a long credit history ( 20 years ) including the XXXX XXXX  and have never missed a payment. This single late payment, which I made a good faith effort to pay and was never made aware it was overdue, is negatively impacting my credit. Ive requested that XXXX stop reporting this payment as late over 30 days, but received a generic response that the information is correct which is not accurate based on the information provided above. It is true that the payment did not process, but that was not my fault. There is absolutely no reason I wouldnt pay a {$30.00} bill by the due date as indicated by my credit history in general and to XXXX. XXXX has refused to do anything is not representing what actually happened to the credit agencies and the agencies are taking XXXX  word for things without proper investigations.
Product: Mortgage

My X husband is in bankruptcy due to the failure of his business. 
I am not in bankruptcy. 
We have a house together that was included in the bankruptcy since it was used as collateral in a business loan. 
The bankruptcy court receives money from him and pays the house note. 
They do not pay on time. 
This is reflected in my credit score and information but not his since he is protected by the bankruptcy. 
What recourse do I have since I can not motivate the court to pay on time even though the payments are made on time?
Product: Debt collection

XXXX XXXX Synergetic Communication Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX VERIFICATION OF DEBT REQUEST RE : XXXX Synergetic Communication Inc Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Dear Synergetic Communication Inc, After reviewing your dunning letter , I have some concerns about the validity of the correspondence.

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).

I am hereby disputing this alleged debt, invoking my rights under the FDCPA and any other applicable state laws as well. 

Request is hereby made that Synergetic Communication Inc or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt Synergetic Communications Inc claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to Synergetic Communication Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute.

An itemized breakdown of what Synergetic Communication Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX claims XXXX XXXX XXXX owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount Synergetic Communication Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX claim XXXX XXXX XXXX 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which Synergetic Communication Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the dunning letter.

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process.

Provide a statement showing the relationship Synergetic Communication Inc has with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and advise how Synergetic Communication Inc gained access to my private personal data without my exclusive written consent. 

If the requested information is not provided in full within 30 days, I will deem this matter ( i.e., account ) settled and closed. 

Dated : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent a letter regarding inaccurate and unknow things on my credit report.to this day i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes. section 611 ( A ), it is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove these items from my credit report its pushing close to 60 days. so, they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach and may have got onto the hands of the wrong person.
Product: Debt collection

i never open or have a, account with this company XXXX XXXX XXXX
Product: Debt collection

RMP SERVICES LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) has been FRAUDULENTLY reporting on my credit report and I have sent them correspondence about it. They are just reporting unlawfully without bonafide proof. I have no agreements or contracts with these companies.
Product: Debt collection

Hello my name is XXXX XXXX and this is my third complaint towards DNF Associates Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 My Relatives was contacted by Debt Collection Firm that purchased an account from Capital One Bank. The Firm informed my relatives that I was to appear in court and need to be notified leaving the following reference number and Contact Number XXXX. Once informed I reached out to the collection agency to identify the account. I was informed that the account will be purchased from Capital One Bank and that I would have to deal with their Law Firm to resolve the issue. They provide the account number and dates of the previous account for Capital One Bank with the balance of {$3500.00} as the payoff. The representative further stated that I will have to appear in court to validate ownership of the account and that I have an upcoming court appearance. 
History of Account with Capital One I have sent several dispute letters regarding this secured credit card account with Capital One requesting a balance adjustment since closing the account. The account was a secured card account and Capital One already had my funds to secure the balance. Once I requested the account be closed and Capital One to apply the secured funds to the account and adjust the balance no action was taken. Capital One closed the account at the total credit balance with adjusting for secure funds that established the credit limit. The credit reporting of this incorrect balance has caused harm to my credit report and my ability to obtain any further credit. As of XX/XX/2021, I now have a debt collection agency that purchases the incorrect balance and further damages my reputation by treating calls in violation of FDCPA.
Product: Consumer Loan

I took a loan with Big Picture Loans and it was for XXXX well I took that loan out in XXXX and I have been paying on it ever since and after reading all the reviews I feel like I may not get out of this loan. But as I was reading I saw that thru my state since they are not licensed here they have to give back to the borrower. I have made XXXX per month with them and just this last month I was unable to pay it. They extended my payment but also on top that calling them is super annoying I got hung up on at 3 times beforehand. Not happy. I am really dissapointed in this with how much they charge for interest rate and on top of that they are not allowed to do it my state. Just this month I would have been touching the loan but since XXXX I have been paying XXXX a month and this month would have been XXXX it is rediculious. It is a shame that a company can do this to people now I have nothing to live on because of this. I also do n't want to have to close my account because of them but I might have too if I ca n't afford these big payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, TRANSUNION, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
Product: Debt collection

I notified the collection agency about this alleged debt that I do not owe.
Product: Mortgage

I requested a Home Equity Line of Credit on our fully-owned ( no liens ) residential property assessed at {$310000.00} ( by the Loan issuer ). After fully completing the application process, including assessment of the property, and providing all requested documentation, the lender ( PNC Bank ) stated ( via telephone contact on XXXX/XXXX/2016 ) that they would issue me a {$75000.00} line-of-credit ( at approx.3 % rate ) but ONLY if they could assume our only other debt -- a ( {$7000.00} balance ) car loan with a competing bank ( XXXX. ) -- which was financed at a 0.9 % rate. They claimed this was required due to " debt-to-income ratio ''. Question : how does paying this lender MORE for an outstanding car loan at a HIGHER interest rate " improve '' our overall debt-to-income ratio? ( In essence, it really sounds like this lender is simply trying to pressure me into moving other debt to their bank, and pay a higher interest rate. )
Product: Credit card

I am writing to formally dispute the accuracy of information reported by Capital One on my credit report under the new credit laws. I am requesting the removal of the Capital One credit card balance from my credit report due to the following reasons : 1. **Accounts Closed for Unknown Reasons** : My Capital One credit card account was closed without any clear explanation or prior notice. I was not provided with a valid reason for the closure, nor was I given an opportunity to address any potential issues. This lack of transparency has caused significant harm to my credit profile. 

2. **Excessive and Unjustified Interest Charges** : After the account was closed, I noticed that an unreasonable and excessive amount of interest was applied to the balance. These charges appear to be arbitrary and do not align with the terms and conditions I agreed to when opening the account. The accrued interest has inflated the balance to an amount that is both unfair and unmanageable.

3. **Violation of Consumer Rights** : I believe that Capital Ones actions may violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. The inaccurate reporting of this account has negatively impacted my XXXX XXXX and my ability to secure loans or other financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that my upgrade account has incorrect balances as well as the balances are in consistent on all 3 reporting agencies. that does not seem right to have 3 different balances for this account on all 3 reporting agencies. It should be the same for all 3 reporting agencies. I have spoken to upgrade to re submit the correct balances which they assured me they would do when I spoke with them on XXXX/XXXX/20. I have submitted multiple disputes to the reporting agencies to correct my balances but nothing as been corrected yet.
Product: Student loan

I was basically bullied into leaving this University. I was lied to about my completion rate at the beginning of my last quarter at this school. I was told if I got C grades or higher for full time, my completion rate would be in good standing for a federal student loan. By the end of the quarter, this person who lied about my completion rate suddenly disappeared without a trace. Although my GPA was raised as promised by me completing the credits needed, the completion rate was not high enough to get the money I needed to continue at the University. They tried very hard to keep my grades lower than a C, but I worked so hard that they had to give me C 's for my, what was A work. I filed numerous complaints about these grades, but no-one seemed to care, if they listened at all. When I brought up the teachers being on a separate payroll by failing 64 percent of students at this school, it was game over for me. They refused to grant my personal loan with Sallie Mae even though I was approved. They held the loan money too long, and discharged me from the University. I feel as though I did my part, but they did not follow up at all with their end, and tried everything to have me quit. When I did n't, they just hit below the belt because I had nothing, and was vulnerable. They are still trying to make me pay some random fee now, a year later, even though I am in a tremendous amount of student debt. It is my understanding that this University was under investigation twice by the XXXX during my enrollment.
Product: Debt collection

Under the Fair Debt Collection Practices Act Western Shamrock corporation is in violation of the law. Western Shamrock corporation has not validated any debt that belongs to me XXXX XXXX, therefore under the FDCPA Law Western Shamrock corporation can no longer collect any payments, and are not to report any negative entry to the credit report agencies in pursuant to the FCRA. Western Shamrock corporation has failed to validate the debt. You are in violation of the FDCPA law an can be sued because no contractual evidence has been proven to show that the debt belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX violating 15 USC 1681 : ** COMPLAINT FOR VIOLATIONS OF FAIR CREDIT REPORTING ACT ( 15 USC 1681 ) ** XX/XX/year> XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Complaint Details : ** 1. **Consumer Information : ** * Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX * Social Security Number : XXXX 2. **Violation Allegations : ** * Failure to maintain accurate credit information ( 15 USC 1681e ( b ) ) * Negligent/non-compliant reinvestigation of disputed information ( 15 USC 1681i ( a ) ) * Unlawful disclosure/inclusion of inaccurate data in credit reports 3. **Disputed Information : ** * [ List specific inaccurate account information, e.g., incorrect balances, outdated accounts, erroneous addresses ] 4. **Previous Dispute Efforts : ** * Date ( s ) of previous dispute submissions : [ List dates ] * Method ( s ) of previous dispute submissions : [ Mail/Online/Phone ] 5. **Relief Sought : ** * Immediate correction/removal of inaccurate information * Confirmation of corrections in writing * Compliance with FCRA regulations moving forward **Certification : ** I, XXXX XXXX, certify under penalty of perjury that the information provided is true and accurate. 
Signature : XXXXXX/XX/XXXX_________________________________ Date : XX/XX/year>
Product: Debt collection

In XX/XX/XXXX of 2022 we were looking to get new phones for the clinic since our old phones were very old. We contacted XXXX a phone company saying that they would give us new phones for a fee. We paid that. In a week they took our phone number from XXXX XXXX XXXX and left us in the dark. We had no phone line that worked! XXXX didn't inform us that they would take our phone number ( XXXX ). We stated that we didn't want that to happen. Still no phones were working. I had to use my personal cell phone to receive clinic calls which on one at XXXX helped us with. XX/XX/XXXX we asked XXXX XXXX XXXX to port over our phone number ( XXXX ) back. They said it would take a month. XXXX XXXX XXXX offered a cell phone while they worked on getting the phone number ported. XX/XX/XXXX of 2022 they promised to get the phone lines back up and running. That was a lie. I spoke with XXXX XXXX XXXX every day and someone offering broken promises. XXXX rolls around and still no phone lines. We lost so much money due to XXXX and XXXX & XXXX! We eventually turn to a local phone company named XXXX in XXXX, XXXX XXXX we returned the XXXX & XXXX cell phone when we finally got our phones ported to XXXX. XXXX XXXX XXXX and XXXX still claim we owe them money for services we never received. This has put a strain on our business and team.
Product: Checking or savings account

On XX/XX/XXXX, my mortgage was supposed to be paid through USAA 's bill pay service from Account A.  The same day, I had scheduled a transfer from account B to Account A for the exact amount of the payment. Due to some kind of mixup, the mortgage was paid out of Account B. 
Rather than pay the previously scheduled mortgage payment out of Account B, my bank first initiated the internal money transfer from Account B to Account A, thereby leaving Account B with insufficient funds to pay the mortgage, and triggering a {$29.00} insufficient funds charge. 
When I discovered the problem on XX/XX/XXXX ( the previous day, my bank showed the mortgage payment had been " completed '' on XX/XX/XXXX ), the bank told me that there was nothing I could do to expedite my payment to my mortgage lender, and I was left to initiate a new payment to the mortgage lender out of Account A. 
On XX/XX/XXXX, I discovered that the mortgage lender had reinitiated the original payment from Account B, resulting in me paying my mortgage twice. 
When I asked my bank to reverse the payment, due to my having to pay a number of other bills with the money that went to my mortgage lender, USAA opened a dispute but said it could be weeks before it was resolved. I called my mortgage lender, which agreed to refund he second payment to my USAA Account A within a matter of days. 
My mortgage lender told me on XX/XX/XXXX that it had completed the refund to USAA on XX/XX/XXXX. However, USAA claims to have never received any refund. 
I made a complaint with USAA, which tells me it may take up to 45 days to resolve the issue. 
In the meantime, I am missing enough money that I will not be able to make my mortgage payment on XX/XX/XXXX. Meanwhile, USAA informed me on XX/XX/XXXX that it canceled my XX/XX/XXXX complaint at my request, which is untrue.
Product: Mortgage

I am working with XXXX XXXX XXXX  on refinancing my current home. Our current servicer, The Money Source ( TMS ) has been giving me so much grief about obtaining the correct payoff quote. We requested the payoff letter ( attached ) on XXXX and to this day have not received a payoff letter with the correct numbers. We were hoping to close last week but because they have given me the runaround, all my other creditor payoff quotes have become or soon will expire. I have been assessed late fees from my credit card companies, and surely will be reported as having late payments to the major credit reporting bureaus. Not only this- the reason TMS is refusing to update the payoff letter is because they are claiming I owe them roughly $ XXXX for a partial claim that HUD has ( and has paid off ) on my home. In XXXX I applied for a forbearance on my mortgage loan because I lost my job due to the COVID pandemic. In XXXX, I started working again and began making payments. The amount that I did not pay during the forbearance period went into a partial claim with HUD or XXXX. I signed the documents and have notarized copies ( attached ) of the promissory note and deed with states this. However, TMS will states that I owe them for the partial claim. The title company that I'm working with received a payoff letter from HUD/XXXX which states I owe them for the partial claim. I just want to refinance and finally be done with TMS - they are the worst company in the history of companies. They never call me back when I ask. And I've asked them since XX/XX/XXXX to take care of this partial claim issue. They've told me that it was taken care of and I believed them, only to be fooled. I was in the phone yesterday for 2 hours trying to resolve this issue. A supervisor did not want to come to the phone. First they said all supervisors were helping other customers and towards the end of my call, I asked for a supervisor again and the rep told me all supervisors were in a meeting but she promised to request a call back from a supervisor. This is what they say each and every time I call but I NEVER receive a call back. I have to be the one to call.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account. XXXX  XXXX XXXX Account number XXXX. 
Recent balance {$33000.00} as of XX/XX/year>2024 However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account. 
I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.