23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX, entered into a consumer credit transaction with XXXX XXXX. Santander Consumer USA is the bank that was used for the finance charge. Santander Consumer USA is attempting to collect a debt. This is a violation of my rights pursuant 15 usc 1692 ( b ). Being that XXXX XXXX violated 15 usc 1605, ( did not include insurance in my finance charge and also took cash as downpayment ) the contract is null and void. Santander Consumer USA sent me a notice with a witten line stating " this is an attempt to collect a debt '' which is a violation of 15 usc 1692 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter disputing that XXXX XXXX XXXX is reporting two different collection accounts that have surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that these accounts will remain on my credit report. Although I disputed both accounts with all three bureaus, under the purview of the same statue of limitation, one or none were removed from my credit report ( s ). 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, MN XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Collection amount : {$7600.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MN XXXX XXXX Original Creditor : XXXX XXXX Collection amount : {$6700.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.
Product: Mortgage

We are seven months behind on mortgage payments. We requested forbearance twice due to medical costs and are still in litigation with our homeowners insurance company due to Hurricane Ida damage -- the company ( XXXX ) went insolvent in XXXX of this year and as a result all has been delayed. SLS did not acknowledge our requests for forbearance and when we applied for modification ( twice ) they only offered the option of short sale or deed in lieu. We tried to pay one month 's payment to begin catching up and sent through XXXX XXXX as certified funds but SLS refused the payment and took over a month to send it back in the form of a check. They are refusing to allow us to pay anything less than the full amount needed ( in one single payment ) for reinstatement even if it would bring us within 60 days overdue whereupon we could enter into a repayment agreement with slightly larger monthly payments for a few months. This is making it impossible to catch up and they keep adding fees to the amount ( approximately {$4000.00} at this point! ). We feel like we are being forced into bankruptcy because they will not work with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially, my issue was that XXXX did not post my payment after the policy cancellation. I can not do anything about that now, I looked back at my statements, and my check did not debit from my account, so I am unaware of where this payment went. I since paid it to XXXX when I was alerted to this fiasco. 

I previously corresponded with his company via my complaint through the XXXX. CCS ignored my statements in my complaint. They say they mailed me, yet I have not received any mail and only received notification of this collection via credit karma. How can I prove this company 's mail did not arrive to me? Why would I ignore a threatening collection if I have been working for YEARS to repair my credit? 

This account should have never been in collections! This situation is so completely maddening. Please, in good faith, remove this from my reports. I never received notifications, which alone is a violation, and this should have never been in the hands of this company.
Product: Credit reporting or other personal consumer reports

Inquires on my credit report that should not be theres I dont apply for credit cards I ask for this information to be updated and removed its still there 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 card or prepaid card

I inadvertantly made an overlimit charge on my XXXX XXXX card, credit card for repairs that exceeded my original knowedge of cost. I did need repairs. I didn't realize until an e-mail yesterday from XXXX XXXX card. I have been trying to contact them by website ( ID and password no longer working ) and phone, at least 5 times if not more starting yesterday. The autosystem goes on asking questions, but when I get to the point of asking for a credit limit increase, so I can pay over 6 months as their plan is, the auto service says they are closed, everytime, please call back when we are open. I have called between XXXX CST and XXXX CST. Their website indicates they are open at XXXX XXXX EST. 
I need help contacting them. I am willing and able to pay many times over, but prefer their e-mailed suggestion of higher credit limit. I have cards up to {$10000.00} limit, so this should be no problem to get an increase. Please help asap. PS I am still figuring out my new I phones voice mail so e-mail works best : XXXX. The XXXX XXXX is " handled '' by Citibank. 

I even tried calling the dealership to get a different phone number today, but was given a voice mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

I receive a hard inquiry on my credit report and i call the bank for responses but they tell me that i need to call the credit bureau first, I didnt open any account in that bank on my name, i live in XXXX XXXX and the bank is in Delaware and i dont even know about that bank until now.
Product: Checking or savings account

Chime card is fraud and take to use XXXX XXXX my account and chime card take money XXXX and both XXXX XXXX and Chime Deny Chime opening new account my name and after complaining this account close my refund unbelievable XXXX cents refund wheres is XXXX dollars they responsible to back money refund
Product: Mortgage

My house burned down in XX/XX/XXXX. Ever since Ive gone into XXXX dealing with insurance, contractors, permitting, and money issues with being displaced. In late XXXX, I started rectifying my issues with my mortgage. I made an agreement to pay half of the delinquent balance, and defer the other half to the end of my loan. I submitted XXXX lump sum payments in XX/XX/XXXX. XXXX was {$8000.00} and the other {$3700.00}. This wouldve made my account current. The mortgage company received my payments but never applied them to anywhere on my loan. Ive been begging for over a year now for them to correct this issue, without success. Now Im in danger of my home going into foreclosure due to my delinquent balance, however, Ive submitted the payments and theyve cleared.

I need help.Im lost and I dont know what to do to fix this. I feel like Im being discriminated against due to my debilitating XXXX, as well as my vulnerability as a single mother to a XXXX child. Ive legitimately poured every penny of my savings into making my account current, and its not right that its not even reflecting on my account. I cant afford to donate that money to a company, especially considering I am up to date on my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXXXXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Diversified Consultants. I requested a validation on XX/XX/2019 as this was an account that had already been paid. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XXXXand still there were no updates to reflect that account was being disputed and no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Product: Debt collection

This is the Forth time I have had to deal with this debt collection company over medical bills. This company refuses to send me a written account of anything I May owe, so I could check with XXXX and verify correctly. Every time I call and remind them of this being against debt collection customer laws etc, all I get is Attitude from reps with no intent of fixing anything. I am thru trying to work with them, and as of this very moment my credit score has dropped XXXX point over accounts I were not even aware of. I was a XXXX patient at the XXXX XXXXXXXX, and was paying my deductibles and co-pays along the way working with my part C XXXX provider to keep account of bills I might owe, so this is totally against rules. I have not seen ANY bill statements from this debt collector as of today, and as far as I know all bills could be less than XXXX bucks and therefore not qualify for reporting per New Reporting laws this year! I have already submitted complaint # XXXX 2 weeks ago, and these Fools have struck again.All without sending me any statements at all ... .this time they send 6 total negative unlawful accounts to my credit report and decreased my credit score.These persons has some kind of ISSUES for sure ... ... and needs to be put in their place
Product: Debt collection

I am receiving emails asking for over {$2000.00} to XXXX. 
I do have XXXX and my account is current, have had them for 33 years. 
I did report this to XXXX a few days ago. 
It's a XXXX XXXX account, number XXXX. I'm receiving emails from a XXXX XXXX. Address provided for TrueAccord is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  And they indicate current creditors is XXXX XXXX XXXX. 

I do have credit monitoring, i do not know who these entities are and believe im being targeted for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XXXX, 2023 I cosigned for my sons home loan through XXXX XXXX XXXX. What happened next is a nightmare. XXXX XXXX  purchased the loan from XXXX XXXX failing to properly transfer the personal and contact information. This resulted in a four month delay in mortgage payments to XXXX and a XXXX point negative charge against my hard earned Equifax credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report not popping up XXXX XXXX 
XXXX XXXX XX/XX/1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my adress.
Product: Student loan

I was working for a not for profit XXXX since XX/XX/XXXX. In XX/XX/XXXX I was informed after making phone calls to Navient that some of my student loans did not qualify and I would need to re-consolidate. I have been on IBR since XXXX. When my loans were consolidated in XX/XX/XXXX, they did not put me on an IBR with the information that they already had from my application in XXXX, they put me on an extended service plan. Not until XX/XX/XXXX when I resubmitted by annual IBR did my payments start qualifying. So now I have XXXX sets of student loans ( {$80000.00} ) with 28 qualifying PSLF and XXXX sets of student loans ( totaling {$150000.00} ) with only XXXX qualifying payments. Navient at NO TIME told me that I needed RESUBMIT my IBR which they were well aware that I was already on after my consolidation.
Product: Credit card

I discovered that there were several charges from XXXX XXXX XXXX last XXXX which was not justified. Having reported these erroneous charges to the vendor and Bank of America. The Bank of America customer service agent from the credit card dispute team falsely promised that they will do a chargeback but in reality, they did do that, resulting in financial loss for me.
Product: Money transfer, virtual currency, or money service

I am a consumer with us bank and their policy states that they do electronic messages and agreements state Your authorization and consent to such agreement to such an agreement or your delivery EX ( " EMAIL TO ACTIVATE MY VISA DEBT CARD '' ) Delivery of instructions may be made by certain numbers codes ex ( activating debit card ) ex XXXX that is the code marks signs ( pin ) public or private keys or other means acceptable to you and to us establish your identity which i did when opening and acceptance of electronic communications like email the policy states identity which means that my email which is a valid email and authentic email which is true my email with my account is valid and authentic that all communications go to me even though it spelled differently but it goes to me and as a true fact banks are allowing consumers to activate via text and email but the account number is ONLY FOUR NUMBERS NOT FULL Ex account number XXXX sent by XXXX XXXX XXXX and with a code to activate card ex number XXXX ( code ) Please note that is NOT A REAL CARD NUMBER BUT ITS JUST AN EXAMPLE that banks are doing I am very dissatisfied with us bank not allowing me to use my email to activate my card even though my email is valid which states in the terms on page 34
Product: Debt collection

Wakefield Associates call constantly for XXXX XXXX and I have worked out a payment plan with XXXX directly I have been making monthly payments accordingly Don't understand why they can continue to harass me Calls are coming in as early as XXXX and as late as XXXX Explained I am on a fixed income ( XXXX )
Product: Debt collection

I submitted a complaint ( XXXX ) in regards to AMERASSIST A/R SOLUTION on XX/XX/2021, the status of the complaint was updated and sent to the company on XX/XX/2021. It has now been an entire month and 6 days and I still haven't got a response from the company. However, AMERASSIST A/R SOLUTION has continued to furnish information about this alleged debt on my consume report, which tells me that their debt collection business is still up and running. I am sure I am not the only consumer who has complained about their practices and I want to get to the bottom of this matter once and for all. 

When I first disputed the validity of the alleged debt, AMERASSIST A/R SOLUTIONS sent me a " RETAIL INSTALLMENT CREDIT SALE CONTRACT '' that reads in fine print " this is a consumer credit transaction ''. So in other words, YOU ( AMERASSIST A/R SOLUTIONS ) are saying you gave a loan to a consumer that holds an open end credit plan ( all consumers hold open end credit plans ) which, btw we can regularly extend to ourselves through our true " credit card '' under 15 usc 1681. How then, can one be a barrower if the consumer is the true " debt '' collector? A consumer cant barrow from what he/she initiates. 

Secondly, AMERASSIST A/R Solutions is furnishing an alleged debt on my consumer report but failing to report it as disputed ( refer to attachments ). This is a violation pursuant to 15 usc 1692 ( e ) ( 2 ) ( a ) - " the false representation of the legal status of a debt ''. The legal status of this alleged debt should be listed as " disputed ''. Also, keep in mind according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that a debt is disputed ( when I disputed the validity of the alleged debt ), the debt collector ( in this case, You ) is SUPPOSED to obtain VERFICATION, not validation of the said debt.

This account is listed as a derogatory mark and decreases my chances of extending any further credit to myself. YOUR ( AMERASSIST A/R/SOLUTIONS ) collection practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct, the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt. You have most certainly tried to keep me in a hardship and I don't appreciate it. 


Furthermore, I do not know this company and have never done business with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Target Card Services, servicer to TD Bank USA, N.A. 
XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX My name is XXXX XXXX XXXX have a active investigation going on regarding an account that was opened while I was incarcerated in XXXX XXXX for XXXX XXXX I got a letter stating about you guys looked into the file about I requested late payments be removed, the card got sent to my address on file, I made payments & about something about my number, I literally wasnt on the streets at the time of this alleged account being opened Im getting frustrated at this point because I keep going back and forth with your establishment regarding this account I literally submitted every documentation verifying my side of the story and you guys basically keep telling me oh well you made this account its impossible for me to make this account while I was incarcerated in a state penitentiary jail. Im not sure if my family members made this account while I was incarceration because all my information was left back at home I had no control over that but this allege debt was not made by me. At this point Im just so fed up and so damaged by this allege theft that has taken on my behalf Im willing to pay the whole debt 100 % if you guys can just please remove this from my credit report I am urgently begging because this allege debt wasnt not made by me. Im tired of suffering do to this allege debt holding me back which was not made with my consent. Can you guy please give me a different option or another chance because Im really being held back In life because of this debt that was made without my consent. I get get no house nor apartment because of this tragic situation basically homeless I also sent a letter a couple days before this letter with my police report, I had contacted the deputy commissioner office for the proving fact that I was incarcerated & an identity theft report. I will also be attaching it with this letter also. 

Please contact me back ASAP my information will be below to identify me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Email- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XXXX I did not authorize this car dealership to run my report. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof I would like it removed immediately.
Product: Debt collection

Recently, I looked at a copy of my credit report an noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item that I'm asking you to verify as accurate : XXXX not reporting XXXX reporting account XXXX original lender XXXX XXXX XXXX XXXX and Agency Name XXXX, Amount XXXX XXXX not reporting
Product: Credit reporting

TransUnion keeps changing my social security number on their file. This has been going on since XXXX 2013. I send them copies of my driver license and my social security cards to fix it. They fix it, then it gets changed again. This is preventing me from getting a place to live, as places can not check my credit.
Product: Mortgage

I have been working with XXXX XXXX XXXX HUD Certified Housing Counselor since XX/XX/XXXX. I have also applied for the State of Minnesota 's HAF program. Since I started with this process, my loan servicer changed from XXXX XXXX XXXX to Shellpoint Mortgage Servicing. While I was with XXXX XXXX, the State 's HAF program representatives were able to communicate with them to get the information they needed to help me catch up to be current on my loan. When I was switched to Shellpoint Mortgage Servicing HAF sent a request for information and was told that I did not have rights to authorize this request stating " Owner Deceased ''. This mortgage loan was taken out by my late wife who passed away in XXXX. I had supplied the necessary documents to the Loan Servicer at the time. On XX/XX/XXXX my Housing Counselor emailed Shellpoint Mortgage a copy of the Certificate of Examiner of Titles. My Housing Counselor called Shellpoint on XX/XX/XXXX to confirm they had received it. She was told that yes they had. We then asked that HAF resend the request. They were again denied due to XXXX XXXX. Today I called Shellpoint with my Housing Counselor and was told that they did not see the document. Shortly afterwards the representative saw the email and the document. She stated she would send it to Loan Servicing and that in 3-5 days we were to call to confirm they had received it and to find out if this document was sufficient to show I have the rights of survivorship. If they had approved it, we were told to ask that an email be sent to the department who handles HAF stating that this was approved. We were told that we would need to call again to confirm that department has the document. Once we know that the HAF department at Shellpoint has this document we were told to ask the representative to ask Shellpoint to reach out to the State of Minnesota 's HAF program or for us to contact the states HAF program and ask them to resend it. We were told that depending on who we spoke with they may or may not be able to assist us with this.