23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About a year ago, I received a couple of emails from VW offering me to turn in my leased vehicle and lease or purchase another vehicle. The lease on my old vehicle matured on XX/XX/XXXX. I visited XXXX XXXX in XXXX, VA and agreed to a new vehicle. When negotiating the price, I explicitly told the dealer I wanted all charges rolled into the bottom line. I left the dealer with a new car and at the time, no further charges owed. I did not sign or receive any documentation countering my belief. I turned the vehicle into the dealership on XX/XX/XXXX. 
In XX/XX/XXXX, I received a turn-in settlement invoice from VW Credit with a request for a {$1400.00} payment. I contacted VW Credit on XX/XX/XXXX to inquire about the charges and I was basically told " those are the charges, can't help you ''. On XX/XX/XXXX, I received an updated bill for {$2200.00} with no explanation. On XX/XX/XXXX, I, again, contacted VW Credit and was told that the charges needed to be recalculated because they were totaled incorrectly. I was also told that I would receive a return call explaining said charges. I never received that call. Two months later, I called again. Bottom line, I asked for a detailed billing statement for all charges as I had not received one. I was also told that my vehicle was sold at auction for a loss and that total was factored in obtaining the payment total. That total was compared with excess mileage and excess wear. The excess mileage charge was included in the turn in payment and I disputed the damages as I turned in the vehicle in excellent driving condition. The VW Credit agent told me it took 7 days after I relinquished my vehicle to the dealer for someone to inspect it and come up with a bottom line. About a week after this call, I finally received a detailed billing statement. And to my surprise, a different total - {$1600.00}. 
Just to pile on even more, VW Credit referred this bill to a debt collector. 
When I talked to the debt collector, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, I told them that this account was in dispute and not call me anymore until resolved. The agent told me that I needed to pay off the debt for whatever amount even after I told him about the dispute. He could not give me a total amount even after I laid out the situation. He said pay the amount that was the most and worry about a resolved total later. He continued to press the issue of payment and I told him I would not pay it until resolved. I asked him and the company not to call until resolved and he tried one more time to get me to pay.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven in XXXX and XXXX. These loans have reappeared on my credit report after they were closed. This is the fault of Mohela. I have attempted to call several times but nobody answers after hours of waiting. I've also sent messages over their system and no one responds back. I filed a dispute with XXXX, but the fault lies with Mohela for reporting these loans inaccurately to the credit bureaus.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2018 I received a phone call from an Employee at Payomatic threatening me with my life and making all sorts of anti-Semitic comments. All phone calls and all threats were recorded. I also have threatening texts from the same employee. I contact Pay-O-Matics department of Human Resources. I spoke to a XXXX and left a voicemail for a Mrs. XXXX. I also call to speak to XXXX and XXXX and could get no response and or action. I am asking for an email address where I could send all recordings and I would like this matter dealt with immediately. I would hate to include CFPB in a lawsuit as well for protecting Pay-O-Matic in an anti-semitic attack.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, XXXX am writing to inform you of my awarenessof Equifax unfair and disparaging credit reporting on my behalf XXXX 
I have paid off several credit cards, loans and revolving lines of credit that Equifax has refused to update and report, leading my credit score much lower than it should be. 
I also recently disputed an account and would like to request the description used to determine the accuracyand completion of the dispute. 
Equifax unlawfully lowered my credit score by XXXX points on XX/XX/year>, despite me lowering all credit card accounts beneath 20 % usage and despite me paying off two personal loans. 
Equifax 's practice of singling out minorities who are in the process of trying to gain a mortgageloan in the attempt to discourage our desirable credit performance, despite good credit history, is a known practice. 
If this is not investigated and corrected immediately, I will file a lawsuit against Equifax and its subsidiaries.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Details of the accounts are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX
Product: Prepaid card

I reached out to PrepaidGiftBalance issued by U.S. Bank National Association at XXXX on the following dates : XX/XX/XXXX : I was advised to complete an online form to have the gift card reissued. 

XX/XX/XXXX : I called to check the status and was told the online form couldnt be found. The representative provided a fax number and requested a copy of the front/back of the gift card and a copy of my drivers license to be faxed to XXXX. 

XX/XX/XXXX : I called again for an update and was informed the information hadnt been received. I resent the documents. I called back and was told they had the gift card and drivers license but needed proof of address because my address didnt match what was on the form. I faxed the proof of address and was told I would receive the reissued gift card within a month. 

XX/XX/XXXX : I called to inform the company that I still hadn't received the reissued gift card and was told they had no records of me. I had spoken to a manager back in XXXX, and she confirmed everything was received. The manager was extremely rude when I asked why there was nothing on file when the previous manager confirmed receipt of everything. And informed him this would be my fourth time providing the requested information.
Product: Checking or savings account

To Capital one 360 Investigation numbers XXXX AND XXXX I'm very upset that my claims were denied. I was trying to get XXXX on my tv and called what I thought was XXXX. The guy who called me XXXX XXXX had me do all this stuff on my phone and sure enough he got XXXX on my tv. The charge was XXXX. He was polite and respectful. Than he had me go to XXXX and type in XXXX. I questioned this but he said they had to verify my account. At this point I trusted him cause he got my tv working. Than he had me go to XXXX and put in another XXXX. I was getting very suspicious at this point and he said XXXX XXXXXXXX we have to put the money back in your account. Once that was done he hung up on me. I tried calling back several times no answer. This man was a scammer who took advantage of a XXXX XXXX XXXX woman on SS. I am very very upset. Im not on top of technology and never never agreed to this. There are XXXX XXXX charges to a guy XXXX. If I dont get money back for this I will never use capital one again and I will go a step further. I trusted capital one. I have credit cards with you than decided to open a checking account. This is outrageous and he was so smooth. I hope we can resolve this. I.cant even pay my mortgage. 
I look forward to your response. Ty Sent from XXXX XXXX on XXXX
Product: Debt collection

There is a debit for {$3100.00} from JEFFERSON CAPITAL SYST ( XXXX XXXX ), I was incarcerated XXXX and was told my uncle took my personal information I had bank accounts also opened in my name, my uncle passed away and now Im be been stuck trying to clear things that were stolen I
Product: Money transfer, virtual currency, or money service

PayPal closed my account on XX/XX/2021 for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them I tried restoring my account by giving them my information they asked for but still they don't lift my account from limitation but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXXXXXX XXXX XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE
XXXX XXXX XXXX XXXX
AUTHORIZED USER
Credit usage
40%
Balance
XXXX  Balance updated
XXXX XXXX XXXX
Credit limit
XXXX  Account info
Account number XXXX  Open/closed
Open
Date opened
XXXX XXXX XXXX  Account type
Credit card
Status
Open/Never late.
Status updated
XXXX XXXX
Highest balance
XXXX
Monthly payment
XXXX
Last payment date
XXXX XXXX XXXX
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX  Phone number XXXX XXXX
Product: Credit card or prepaid card

I closed my account with avant- in 2021 because I was incurring charged on a card that I was not using. I closed to account while making payments to XXXX  XXXX  my balance but the company is consistently charging me interest and monthly fees on a closed non active account. I asked if my account could be sent to collections so I can pay my balance off and they told me my account could not be sent to collections because it has a balance that will always be there because they keep charging me. The balance on the card is more than the {$300.00} credit limit I was approved for the balance is now {$570.00}
Product: Debt collection

Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt.
Product: Credit card

I was enrolled in a promotional offer, whereupon if I spent a certain amount ( {$9000.00} ) during XXXX 2024, I would receive XXXX miles on my mileage card. 

I have confirmed I have spent the requisite amount. The miles were never reimbursed. I called the company multiple times, and many people tried to look into it. Each time, I was hanged up upon after being put on hold for 30-60 minutes. I finally sent a written request through the portal. I was promised a response in 5 days. That never happened. It's 10 days since then, and I have finally decided to open a formal complaint against this issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  Has been reporting since   XXXX   an account for the   XXXX   XXXX   XXXX   XXXX  ver a payment that was between my insurance and the billing department of the clinic. The  Clinic was in dispute with the billing company due to over payment and improper  billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with    XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.
Product: Mortgage

Ditech refuses to subordinate their position in order for us to secure a Harp  Loan  from  XXXX   XXXX  through the Harp  Loan opportunity. They want us to pay for an appraisal plus bring {$7000.00} to the closing. We were already approved for the Harp Loan without an appraisal. We do not have {$7000.00} to bring to the closing. Ditech is holding us hostage by not remaining in second place for our mortgages. Ditech 's interest rate is 8.75 % and our first loan now is 6.75 %. We were able to qualify to lower our interest rate to about 4 %. This is awful that they are doing this to us. We were almost done with our Harp Loan. They ( Ditech ) is preventing us from continuing with our Harp Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted Credit Acceptance corporation 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.
Product: Credit reporting or other personal consumer reports

I RECENTLI REVIEW A COPY OFMY CREDIT REPORT AND IHAD FRAUDULERT ACCOUNTS ON MY REPORT, PLEAS REMOVE THESE FROM MY REPORT, THEY ARE HURTING MY ABLLITY TO OBTAIN CREDIT THANK YOU
Product: Mortgage

On XX/XX/XXXX, Bank of America ( BOA ), approved our forbearance that lasted till XX/XX/XXXX, under COVID-19 Hardship. On XX/XX/XXXX, we received a letter of Delinquency notice from BOA reminding us that our mortgage payments are late, if we do not bring the account to current, it may result in fees and foreclosure ( loss of our home ). The delinquency letter lasted till XX/XX/XXXX, ( 6 of them ). On XX/XX/XXXX, we resume payments on our mortgage loans. 
since then, BOA has reported negative report to credit bureaus which affected us negatively as we attempted to refinance our home with negative results due to 7 payments missed during the disguise of forbearance forbearance. I have reached out to BOA on numerous times over a 5-week span requesting equal treatment and fairness under the terms and conditions agreed upon under FORBEARANCE and not under DELINQUENCY that harm with negative results. Now BOA has opened up enquiries to assist us with the credit bureau in an effort to right wrong. That's 30 % of our dilemma. BOA assigned us case manager I learn for the first time today his first name as XXXX, and BOA provided us with number of XXXX XXXX each call has proven futile as no-one has being able to explain the difference between FORBEARANCE and DELINQUENCY NOTICE to us. Each time, there is a round and round the lasted for over 5 ours that they started hanging up on me.
Product: Student loan

School has been closed and shutdown. Credits obtained with loan no longer recognized by companies or agencies & unable to complete. Credits not transferable but amount is still being charged for attendance
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$640.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted All 3 credit bureaus about the inaccurate information on my credit report on Early XXXX  on more than one occasion. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information regarding late payments for XXXX XXXX. The inaccurate late Payment that has been on my account has stopped me from getting the best rates in the loans and credit cards that I have applied for. It was not deleted. I also called XXXX XXXX and nothing was changed. The status shows on XXXX and Transunion that I paid as agreed but on XXXX it shows that I was late 30 days. That is false and I would like you to verify it and get to the bottom of it, because the bureaus have not been responsive over the years. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this statement is being composed by myself. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY 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

This is a follow up request. Report # XXXX ( 60 days no correction or proof of validation from the businesses ) FCRA Experian has taken longer than time allowed. They said they completed investigation, but by law 15USC1603 ( Transactions Exempt ) 15USC1692e ( False Misleading ) They have not provided any validation and need to remove the following information showing negatively : I made this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. Item Number Company Name Account Number Comments 1. XXXXXXXX XXXX XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX- Please delete 3 of the 30 day late. 3. XXXX XXXX XXXX Account # XXXX - removing, 30 60/90 late ( This account is no longer open and active ). 4. XXXX XXXX XXXX XXXX remove all 5 late payments 5. XXXX XXXX - The account and late payments are in accurate 6. XXXX XXXXXXXX XXXX XXXX 30 day late payment. They need to show proof and validate what each business provided. I need to see the business documents provided to Experian. Otherwise this is Fraud and needs to be removed, deleted and corrected to show positive.
Product: Debt collection

Individual from Reliant Capital solutions contacted me regarding a debt collection from XXXX XXXX University, to which I answered that it was wrong and that I was making payments through the XXXX XXXX University. The individual demanded me to pay the amount he was collecting or legal action would take place. In a very aggressive manner he told me that he was n't going to waste his time or my time if I was n't going to pay and that he will report me and ensure to report me to the credit bureau for not wanting to pay. I told him that it is a mistake and I will dispute it and he just hung up the phone.
Product: Credit reporting or other personal consumer reports

I received a new credit report from XXXX on XX/XX/year> and it containns somwone else 's information on Confirmation number XXXX : It has reason code 7, 43, 8, and 85. Thuis information is not mine and has not been removed by XXXX. I do not have delinquent accounts or derogatory accounts ; i dont lack sufficient credit on bankcard or revolving accounts ; I dont have too few loans with recent delinquencies and I domnt have too many inquiries on my credit report. I attempted to give the police report number to XXXX and had to argue to have them take the police report number for identity theft. the identity theft police report is XXXX they keep taking my XXXX XXXX XXXXXXXX XXXX XXXX Ga XXXX off of my account.I believe they are continuing to mix me up with XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX I been trying to resove the issue with XXXX XXXX with an old bill in which I disputed but it seems to go no where. was told I could resolve the issue for {$250.00} in which I will pay to resolve the issue.
Product: Credit card

On XX/XX/XXXX, I signed up for the American Express Delta SkyMiles Reserve card with a welcome offer of XXXX SkyMiles after spending {$5000.00} in the first 6 months. 

By XX/XX/XXXX, I had spent over {$6000.00}, but I hadn't received the XXXX in my Delta SkyMiles account. 

I reached out to them on XX/XX/XXXX, and they opened an investigation to check why I hadn't received those SkyMiles. I was told to wait 7-10 days and to reach out again after that. 

Since then, I have been checking with them about the status of the investigation, some times being told I had to wait longer, others that the investigation had finished and I would have the SkyMiles credited in my account within 24-72 hours. 

As of today, I do not have the SkyMiles, and I was planning to use them for XXXX flights. If I had known this would take this long, I would not have opened the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00}