23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TITLE MAX OF GEORGIA is claiming that I owe an alleged debt from XX/XX/2021 in the positive balance of {$2800.00} with the finance charge being {$320.00}. In the written initial communication, I noticed several violations such as billing errors, reflecting an alleged debt owed in a positive balance, referring to the consumer in all capital letters instead of referring to the consumer as a natural person in proper spelling, charging the consumer unlawful charges outside of the finance charge. I also noticed that in the written initial communication, I was not given the proper forms and full disclosure about my right to rescind and my right to opt out of anything being reported to consumer reporting agencies. So, I sent a notarized debt validation letter on XX/XX/2021. TITLE MAX OF GEORGIA never responded which is another violation. Next, I sent a notarized cease and desist notice stating my demands based on the violations on XX/XX/2021 after receiving multiple calls from TITLE MAX OF GEORGIA attempting to collect a debt. On XX/XX/2021, I sent a notarized affidavit of truth with exhibits attached based on the same violations to TITLE MAX OF GEORGIA with a bill of particulars attached. On XX/XX/2021, TITLE MAX OF GEORGIA responded by sending me a letter stating that they received my notices but still believes that I owe this debt and attached a copy of the electronic agreement with " PAID '' written across the pages. TITLE MAX OF GEORGIA is willfully neglecting my consumer rights and the documents I have sent to them. All of these documents were sent via XXXX certified mail to the registered agent of the company. I have prepared a default and opportunity to cure to the company due to not responding in the time frame given on the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Sears/CBNA credit card regarding my credit card account reflecting 30-60 days late ( XX/XX/2018 ) on my XXXX, XXXX, and XXXX credit reports. After discussing with Sears/CBNA that they did not have the proper contact information, this company refuses to reverse the 30-60 days late in XX/XX/2018. In the attached letter, the company acknowledges having the incorrect phone number and acknowledges they were not able to contact me by phone regarding the delinquent payment at the time, AND still does not remove the 30-60 days late in XXXX. The company states I received a paper statement and that should suffice but again, does acknowledge having the wrong contact number for me. I have since closed this account due to the lack of integrity within this company. I am requesting that you investigate this matter and either delete this account from my XXXX, XXXX, and XXXX credit reports or remove the 30-60 days late payment history from XX/XX/2018 on all three credit bureaus. I have attached Sears/CBNA 's response to my letter requesting the removal of the 30-60 late payment, and again, they acknowledged having incorrect contact information listed on my account but refuse to remove the late payment. According to US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, I am entitled to have correct payment history reported or else this will be a law suit for defamation and financial injury.
Product: Credit reporting or other personal consumer reports

i am writing to dispute the following inquiries : - XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX date:XXXX XXXXXXXX DATE:XXXX XXXX XXXX date:XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX to my knowledge i did not authorize these creditors to access my information i called 2 companies and they said they could not find me on file for a account with XXXX XXXX or XXXX XXXX i also do know the others are unthorized and would like them removed please and thank you
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. Specifically, I dispute this account : XXXX XXXX XXXX
Product: Checking or savings account

I opened a HSBC Choice checking account in early XXXX of XXXX. HSBC was running a promotion then that they are still running now ( from their offer terms and conditions ) : " HSBC Choice Checking {$200.00} Welcome Deposit : For this offer, New Money33 is required. HSBC reserves the right to change or terminate this offer at its sole discretion. For purposes of determining whether you have maintained the Qualifying Balance for the Welcome Deposit, a New Money average balance will be calculated by averaging the end of day balances of each Business Day throughout the total offer period. 

Your HSBC Choice Checking account must be open and in good standing at time of gift fulfillment. Limit one Welcome Deposit per customer, including all individual and joint accounts - the first line name on the joint account is considered the customer for gift purposes. The Welcome Deposit to your HSBC Choice Checking account will be reported on the applicable IRS form. Eligible customers who take advantage of this offer can not receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as  incentives in a form of merchandise and/or cash bonus that are offered to customers who open an eligible checking account and satisfy qualifying activities. '' It is now XX/XX/XXXX and I have both maintained a {$1500.00} balance AND a recurring direct deposit from my employer since the account was opened. However, HSBC is refusing to apply the {$200.00} reward. From their customer service agents, I have received 3 different reasons : 1. The first agent said I do qualify, but would have to wait another 4-6 weeks ( this was in XXXX ). 
2. After still not receiving it, the second agent said I did not receive the reward because my balance was only {$250.00}. This agent was looking at my credit card account, not my checking. When I corrected them, they pivoted and said my account would need to be reviewed. 
3. The agent I spoke with today said that I did not receive the reward because I already had a HSBC credit card which disqualified me from the reward. 

Regarding # 3, here are HSBC 's terms on existing customers : " This offer is available only online for applications completed using the Apply now button on this webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past three years to apply for a deposit account online. Customers who held an HSBC consumer deposit or investment account from XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. All qualifying activities must be completed within the stated time frames in order to be eligible for the Welcome Deposit. '' I did not have a deposit or investment account, I had a credit card account. Again, HSBC is changing the rules as they go along to avoid payment of a simple and straightforward new account reward.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors talking place with this account. First one being that the arbitration agreement provided by XXXX XXXX XXXX XXXX XXXX was broken by them. Claims are supposed to go through arbitration, and the claims they made did not. Second one being that an adequate notice was not given by XXXX XXXX XXXX XXXX XXXX  XXXX according to 15 USCA 1602 ( k ). There have been more violations as well, but these have caused me mental Anguish, humiliation, and emotional distress. Equifax, XXXX, and XXXX are in violation as well by not following reasonable procedures made to guarantee maximum accuracy on my consumer credit report. I will have to move to arbitration if this is not resolved.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Reason : Unverified account Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX. if futher information is required. 

Sincerely, XXXX XXXX
Product: Student loan

After waiting XXXX hours and having my call dropped I sent a message XX/XX/23 questioning why : XXXX payment was online says {$420.00} but doesn't provide a due date. 
XXXX. My invoice in my messages inbox states that my total payment due is {$370.00} by XX/XX/XXXX which is different than above amount. 

I asked why are the amounts different. Also my XXXX XXXX plan which on federal aid site says my monthly payment should be {$11.00}. 

I received no response. I tried calling again XX/XX/23 but again couldn't connect. I'm stationed in XXXX in the XXXX so the time difference makes it difficult. I sent another message and received an automated response on the XXXX that my message was received and i would get a response soon. On XX/XX/23 I received a message from mohela that I was late on my payment. I replied telling them thank you for reminding me and asked if they could please answer my previous requests explaining why my payment is so high. They sent me an automated message stating that my loan payment amount under save is dropping to XXXX $ starting in XXXX. Then they sent another saying it was XXXX XXXX This is great, but I'm still on the hook for paying XXXX $ in late payments because they messed up the calculation. How can my payment be XXXX $ or XXXX $ but I owe XXXX $? 

I don't expect to hear anything back and after reading about others experience this seems to be a VERY common problem. XXXX response generally seems to be to just tell people to recertify or put your account into forbearance while they figure it out. 

It's unfortunate that there's basically no recourse for people like me. I can't take any action against mohela for doing such a bad job. My only option is to pay an incorrect payment amount that I can't afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX, ( Original Creditor : ) XXXX, 15 U.S.SC 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: Checking or savings account

I started a new job on XX/XX/2022. I have elected direct deposit to my Bank of America checking account, however the first payroll amount was issued as a paper check. I made a mobile deposit of the check on XX/XX/2022. 

Initially, Bank of America placed a hold on the check until XX/XX/2022. This was inconvenient but was understandable as the amount of the check was {$2500.00}. 

Today, I checked my account and found that Bank of America has now placed a hold on the funds until XX/XX/2022. I made contact with Bank of America via telephone. The representative, XXXX, was unable to provide an explanation for the delay in processing the deposit. I was transferred to a supervisor, XXXX, who indicated that the extended hold time was due to " risk factors '' regarding the deposit. She declined to provide an explanation of the risk factors involved in the decision to hold the funds for an additional period of time. 

I explained that the check is issued by a national payroll processing company, XXXX, and further stated that I have not ever deposited a check which was returned to the bank unpaid. She continued to state that the check is on an extended hold because the amount exceeds the balance of my account. She advised me that the procedure is for " my protection '' to avoid overdraft fees in the event the check was returned unpaid. This excuse does not make sense as I will incur various late fees resulting from the delay in processing the deposit, and as such I will be unable to make timely payment of my bills which are due before the funds will be available on XX/XX/2022. She declined to provide any further assistance regarding the availability of the deposited funds. 

I am aware that such transactions are now electronically cleared and the extended hold time is not warranted or necessary in today 's banking environment. It is my belief that Bank of America has acted in a discriminatory manner based on the amount of funds currently in my account. How can I possibly increase the amount of available funds if Bank of America will not make my payroll check funds available?
Product: Debt collection

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT MIDLAND FUNDING XXXX XXXXour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1991 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process off starting the process of purchasing a home. This morning I had a credit score decrease of XXXX points. I had no new negative information added to my report. Ironically I had two positive incidents reports. The first one was an account balance decrease of {$850.00} lowiering my useage to 18 % from 98 %. The second was a on time payment also lowering utilization. I am baffled how this happen with positive payment leads to negative point loss. I contacted TransUnion 3 times and was told that they dont provide information and instructed me to this agency. How can a reporting agency not provide me with my own information that they formulate? I believe this violates my rights under the fair credit report act. This negligence will hinder my opportunity to qualify for my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX. My husband, XXXX who is a XXXX vet, loss income in XXXX due to COVID. We managed to pay the mortgage until savings depleted. Then had no choice but to apply for COVID hardship in XX/XX/XXXX. 
XXXX XXXX Loss Mitigation approved us for COVID-19 forbearance which stated that any suspended payments would be added to the maturity date of the loan and no lates would be reported to credit agencies. 
XX/XX/XXXX, we regained income XX/XX/XXXX resumed payments and have since paid timely XX/XX/XXXX received notice to pay missed payments and when we contacted the collection company, they said that the mortgage company showed us as owing a balloon payment. We have tried calling Santander Mortgage to figure out how this happened, but lines are always busy. 
XX/XX/XXXX account sent to collections and 30 day late reported to credit agencies. We contacted a XXXX Loan Counselor who placed several calls/messages to Santander Loss Mitigation XXXX XXXX ) XXXX to explain that late/suspended payments due to loss income as a result of the pandemic are not supposed to be reported to the credit agencies. 
XX/XX/XXXX, and XXXX XXXX, called again. Was able to speak to Loss Mitigation Supervisor ( XXXX XXXX XXXXXXXX ) who research our account and explained that someone pushed a payment deferral which caused the problem. 
XX/XX/XXXX Problem still not fixed and collections continues to report late payments to credit agencies. PLEASE HELP US.
Product: Debt collection

When I asked to verify the debt after the initial notification of debt, they informed me that I requested the information to close to the allowed dispute period date and that they would provide me the information but I would not be allowed to dispute any of it if I found anything wrong.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to request that the disputedf accounts and information be immediately removed from my Credit File. My credit report contains a significant number of unauthorized requests, as well as fraudulent reporting of accounts and Information. I can tell that someone has stolen my identity. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that resulted due to my identity being stolen ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$15000.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$850.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$11000.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$200.00}. In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File.
Product: Money transfer, virtual currency, or money service

Hello, I have a Business account with Paypal. I have been using Paypal for many years. I tried to get a Paypal Card Reader, and didnt hear anything, so I called paypal and the representative told me it was cause I listed XXXX XXXX  on my website ( Never Sold it on my website ), so the Paypal Rep told me to just put on the listing that ( Can't use Paypal to checkout with this item ). So I did as He told me, and then like 7 days later Paypal Suspended my account. I called and the Paypal Rep told me that is was cause of XXXX   listed on my account and AUP team was the only people who could get my account open again. So I emailed the AUP team and provided them with screenshots of emails I sent  saying I put the cant check out with paypal on my website and also a screenshot of the items listed, and never heard back from them, so after over 2 weeks I called Paypal again and the representative called someone in the AUP team and said they wont re-instate my account. The XXXX from XXXX is also XXXX and no XXXX and the 2018 Farm Bill made the product Legal in all 50 states. I have not violated their user agreement policy. I  also removed the XXXX listings from my website. So paypal is holding over {$7500.00} against my will, so stealing and using my money for their own benefit and making a profit by strong arming my money. REF : XXXX-XXXX-XXXX-XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a car loan from XXXX XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My Experian report has a different closing month of the account along with an extra month of payment reported. My XXXX report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX  reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of 2017. Most importantly I have obtained a full payment history from the XXXX website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.
Product: Checking or savings account

On XX/XX/2020 I placed an order for jewelry from XXXX XXXX the group owner of XX/XX/XXXX on XXXX. It is now the end of XXXX and I have yet to receive my order. I tried numerous times to call her and she ignores me. I then placed a claim with my bank Wells Fargo but they sent me a letter stating I can only dispute the charges 60days after and they would not help at all. They closed my claim. I just want My money back as XXXX XXXX and XX/XX/XXXX ( XXXX XXXX XXXX is a total Fraud.