23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN  CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES (  XXXX XXXX XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Illinois XXXX XX/XX/year> Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Best Regards,
Product: Debt collection

I received a letter on XX/XX/XXXX for a sum of XXXX for a supposed debt in XXXX that I owed on a XXXX XXXX. ( this per a XXXX XXXX in a phone call XX/XX/XXXX at XXXX am est when calling in for info ) I have NEVER owned a XXXX XXXX in my life. This scam was attempted by XXXX XXXX last year, case XXXX with CFPB however with a different sum of money, ( which also violates the Federal trade credit collection law of different amounts ) I Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. No info was given just that a debt was owed for XXXX for a debt on a vehicle I NEVER owned. The company presents themselves as Apple Recovery Services in XXXX XXXX, Il XXXX. The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX law. Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 correspondence were created to send to me and in this letter there are too many things that are still incorrect that have yet to be fixed! First, this account does not belong on my consumer report. Second, the amount on the letter from Wells Fargo is different than the amount of {$2600.00} that is being reported to consumer reporting agencies, which is a clear violation. Also, this company in this very letter told me themselves their company records does not reflect records that a 1099-C cancellation of debt form was even submitted. That means for them to report it as a " charge-off '' is unlawful and also makes it inaccurate. This account is also simultaniously being reported as a collection account too. To my understanding, those are two separate types of statuses and are not the same thing so I'm confused as to why they're reporting it at all and why it s showing as both?
Product: Mortgage

Navy Federal Credit Union approved me for a XXXX  XXXX  and or XXXX  and during the process they switched loan officers, and used dilatory tactics, had to submit new application, then stated the cash out amount would change, and later denied the my application after more than XXXX plus days of waiting to close on the loan and continued to get the run around and eventually denied the loan for an illegitimate obscure reason. My credit and finances met the criteria for approval. After going back and forth with XXXX XXXX for several weeks about this discrimination, abuse, and deceptive business practices there were news reporting about NAVY FEDERAL CREDIT UNION discriminating against people of XXXX such as myself ( XXXX XXXX ) ( XXXX )
Product: Mortgage

I went to pay my XXXX Mortgage Payment on XX/XX/XXXX within the 16 day grace period. I paid my mortgage using their system on XX/XX/XXXX and received confirmation code XXXX, indicating that there were no problems or errors. I additionally received a statement from PennyMac on XX/XX/XXXX that indicated that my payment had gone through and been credited to my account. I assumed my mortgage had been successfully paid, because I was given no other indication that it had not. On XX/XX/XXXX I received an alert from my credit monitoring agency that PennyMac had placed a 30 days late payment on my account. Upon learning this I called PennyMac and learned that there had been an error with my account number and the payment did not go through. I immediately made BOTH my XXXX and XXXX payment on the same day ( XX/XX/XXXX ) to bring my account current. I requested that PennyMac delete this 30 days late payment because it was due to an error and not negligence on my part to meet my fiduciary responsibilities. I have never been 30 days late on my mortgage before or after this incident. This is no indication of my willingness to meet my obligations. This is an error within PennyMac 's payment system. I was given confirmation on two separate occasions that my mortgage was paid. If there was an error with the account code the payment should not have been accepted by. the system. If I had received the error message I would have rectified the situation immediately instead I was falsely lead to believe that I paid my mortgage on time. Most payment systems will not allow a transaction to go through without the proper account information there is no reason why PennyMac does not have a payment system that is capable of the same thing. PennyMac claims that I was sent an email stating this, but I had not received it. I received many emails from them in XXXX, none of them stated that I was late. I am attaching my XXXX Statement and XXXX Statement, along with a printout of my email what they claim was a payment reminder sent around the time of the XXXX Incident. The only payment email I received was the monthly reminder that you can pay online, with no mention of an outstanding payment. How was I supposed to know from the attached email that my payment was rejected because of an error?
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the persistent errors in removing fraudulent items from my credit report. Despite numerous attempts to rectify this issue, the inaccuracies persist, posing a significant threat to my financial well- being and personal security. I initially reported instances of fraud, and since then, I have diligently followed the established dispute resolution procedures to rectify the fraudulent items on my credit report. Regrettably, my efforts have been met with limited success, as the fraudulent entries continue to tarnish my credit history. I insist on an immediate and thorough investigation into these matters. I demand the prompt removal of all fraudulent items from my credit report, as well as a comprehensive update reflecting the accurate and verified information. These fraudulent items not only harm my creditworthiness but also expose me to potential financial and identity-related risks. I trust that Credit Bureaus takes these concerns seriously and is committed to maintaining the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove the fraud items in my credit file : 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
Product: Credit reporting or other personal consumer reports

About 1 or 2 weeks ago ( XX/XX/2023 ) I wrote to Capital One, XXXX, and XXXX in regards to their being income reported on my consumer report. I am complaining about the inaccurate information on my credit report by Capital One, XXXX, and XXXX. They have reported charge-offs as income, which is wrong and misleading. Charge-offs are canceled debts, not income. The law says that creditors must send me a Form 1099-C to report canceled debts as income, but I have not received any from these companies. I have also not claimed any income from canceled debts on my tax returns. I have sent them dispute letters with my identification and proof of identity theft, but they have not corrected the errors. I want them to stop reporting charge-offs as income and remove them from my credit report. I also want them to send me copies of the Form 1099-C if they have issued any. This is affecting my credit score and my ability to get loans and credit cards. Please help me resolve this issue as soon as possible. Thank you
Product: Money transfer, virtual currency, or money service

I transferred money thru XXXX thru my bank United Bank. I sent it to the wrong number but after XXXX minutes got the correct number and corrected it. I called my bank to let them know. After a few days, I received a letter from United Bank that they can not help me get my money back which is {$1100.00}. 

My complaint is- if it was reported to my bank within minutes the error was recognized, why did the bank put on hold the transaction and reverse the payment. They have all the power to reverse the payment, if the person and phone number doesn't match. Just like what you do with wire transfers. 

I sent a message to the person with wrong number to return the money but did not return it. 

After talking to my bank who insisted they can not help and suggested I called XXXX, which I did, now XXXX is telling me that they can not help and should call my bank. 

My questions is- how are the consumers protected from this kind of kind of mistake. Who takes responsibility. 

If the person 's name does not even match, why process the transfer?
Product: Vehicle loan or lease

I had a auto loan with Ally Financial. My vehicle was totaled. I contacted the lender and asked them if I still needed to make a payment, since my insurance was going to be paying off the loan. They advised a payment was due, but that we had until XX/XX/XXXX to process the payment and confirmed that I could make the payment as I had always done, online. Upon subsequent contact made to the lender, they still confirmed that a payment was required, but not one representative advised us that we would not be able to make the payment online. I As we checked the account waiting for the insurance payment to post, we were unable to even login to the service on XX/XX/XXXX and upon being able to log in successfully on XX/XX/XXXX, the vehicle was no longer showing on the online account. We did not know if we needed to make a payment and could not contact their customer service as they were closed that day. On XX/XX/XXXX I received notice by credit bureau alerting that Ally Financial was reporting my payment as late, that no payment was received between XX/XX/XXXX and XX/XX/XXXX. I contacted the lender and advised them of what I had been told and that the vehicle was no longer showing online. They then told me that once a vehicle is totaled that you are no longer able to make a payment online, as the account is closed. This information completely contradicted the information provided by the original representative and subsequent representatives. I asked to dispute the late payment they were reporting, because we were provided wrong information by their representatives. After 3 unsuccessful requests, I began disputing the information with the credit bureaus. The payment history was still not updated. I contacted Ally again on XX/XX/XXXX and requested they send me a copy of the payment history. To my surprise, the lender provided me a payment history showing a payment was received on XX/XX/XXXX in the amount of {$2200.00}. I provided this information to the credit bureaus and they are still advising me that the lender needs to correct how they report the account. I contacted the lender on XX/XX/XXXX and asked how they could provide a payment history that shows there was no 30 day gap in payment history, and still report the account as late to the credit bureaus. The lender advised they did receive a payment credited as of XX/XX/XXXX for {$2200.00}, but the payment was reimbursement for the extended warranty protection on the vehicle and only reduced the principal balance. It is bad business to tell a customer that no payment was received and report a late payment to the credit bureaus, then later come back and say they actually did receive a payment, but it was the wrong kind of payment. The lender knew the vehicle was totaled. They knew the insurance was sending a payment. They received a payment far in excess of the amount due and still made the decision to negatively impact the consumer over a situation that could have been entirely avoided, were it not for the wrong information provided by their representatives to begin with.
Product: Consumer Loan

On XXXX XXXX of 2015 I went into a DriveTime dealership. They advertise being able to assist with low credit situations in which they GUARANTEE vehicle approval based on income. I feel that ever since I set foot into the dealership I was steered the wrong way due to a desperate situation. I am a new father with a XXXX week old newborn. We needed a safe vehicle prior to delivery of our newborn. They preyed on me in this situation and gave me like a 28 % interest rate on a XXXX. Prior to purchase XXXX stated vehicle was valued at about {$10000.00} which drivetime purchased at auction. Vehicle had previous accidents in which the AUTOCHECK report was designed to not tell you all about the accidents. LONG STORY SHORT, I was sold a vehicle at around 22 % interest but only after providing {$2200.00} cash down. The payments are costing me a WHOPPING {$430.00} PER MONTH ON A XXXX!!!! DO NOT GO WITH THIS COMPANY! IF DRIVETIME WOULD LIKE TO ACTUALLY ASSIST ME IN RESOLVING THIS MATTER THAN I WILL GLADLY MARK CASE RESOLVED. OTHERWISE STAY AWAY EVERYONE! THEY WILL TAKE ADVANTAGE OF YOU AND YOUR SITUATION. THEY 'RE QUICK TO REPOSSESS TOO AND THEY WILL CALL YOU A XXXX TIMES THE DAY AFTER A PAYMENT DUE DATE. THEY HAVE ALSO VIOLATED DO NOT CALL LISTS MULTIPLE TIMES IN WHICH I COULD SUE FOR.
Product: Debt collection

XX/XX/XXXX XXXX XXXX from Hollins and McVay collection attorney froze my bank account for a debt the was not mine but the joint account holder, my wife. My account is still frozen and today a wage garnishment order was sent to my job for a debt in my wifes name not mine all the while my bank remains frozen. My wife and I called this attorney an employee there stated the answer from the bank was XXXX dollars XXXX XXXX then filed a stay and wage garnishment on me XXXX has yet to receive that stay however my employer has received the wage garnishment order and must answer. My wife who he levied my bank account for doesnt work at my workplace and XXXX XXXX knows this as his company garnished my wages in XXXX  for the same debt, same job same law office. My wife filed a complaint with you all already and was brushed off about it. Lets get this straight per Hollins and McVay today this isnt a medical debt at all as listed in the bank levy or garnishment of wages we were told a returned check. Which is it medical debt or a return check? Were in the process of bankruptcy all the while property taxes unpaid my wife had XXXX again the XX/XX/XXXX and no way to purchase food, medications or pay water, utilities or the like. An accident they said assuming my wife works at my job where they have already garnished me and room to continue as soon as you confirm and believe this guy without really confirmed anything. Again bank levy in my wifes name for a debt thats being sought after only in her name and now an attempt to garnish my wages under my wifes name
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I was on XXXX and a friend posted that he was selling some items. I messaged him asking the price of a enclosed trailer, around XXXX. We agreed on a price with a deposit. He gave me a Venmo to send money. He stated that he was out of town and his cousin was handling the money and that he was sending me his Venmo info. I sent to agreed on {$200.00} at around XXXX. He asked for a screenshot of the transaction. After that he started messaging me that he had full price offers for the trailer and could I send the rest of the money. I then called my friend and found out that his XXXX page had been hacked and he was locked out of it. At XXXX I called Venmo customer service to alert them of the fraudulent transaction. They told me they would open a complaint and someone would get back to me by email. They told me to ask for the money back, but I was already blocked. I was able to get screen shots of everything before I was blocked. On XX/XX/XXXX I received an email response from Venmo stating that there was nothing they could do. I was again advised to ask for the money back. Venmo states that they will look into that acct, but nothing could be done about the money being gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX  account from XX/XX/XXXX. I called XXXX XXXX  and was advised to reach out to all three ( 3 ) credit bureaus XXXX, XXXX  and Experian. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.
Product: Debt collection

I have been charged with owing money because someone used a credit card issued at Best Buy through Citibank in the amount of more than {$3400.00}. This was from XXXX. I have not had an account with Citibank since the XXXX and have never had an account with Best Buy. I have contacted Citibank and Best Buy, and both have no information about me, but the debt remains on my record. Neither Best Buy nor Citibank is able to do anything else to resolve this issue since they are not able to find me in their system. My ID protection adviser through Costco has asked me to file this report.
Product: Payday loan, title loan, personal loan, or advance loan

Took out {$25000.00} installment loand with XXXX XXXX SST took over the processing of the loan. 
Tried paying off the remaining balance, however SST took out XXXX payments of {$15000.00} on XX/XX/year> instead of XXXX to payoff loan. Obviously only XXXX payment should have been deducted from my checking account instead of XXXX to payoff the balance of my {$25000.00} loan. 
On XX/XX/year>, I recieved refunds for XXXX of the XXXX {$15000.00} payments I made to SST. From my point of view, everything is now finalized with SST and I should have the installment loan paid off and closed. They now have XXXX payment from me to pay off the loan and refunded the other XXXX payments they took unneccessarily. 

However, SST messed up and instead of subtracting the final payment of {$15000.00} from my balance due making a {$0.00} balance, they ADDED the PAYMENT to the amount owed!!! 
Spent months and many phone calls to SST to get the situation corrected, but while the agents on the phone agreed with me about the mistake, they all said they couldn't do anything about it and would notify a supervisor. Well the supervisors if notified, never did anything about it. Even after multiple phone calls and emails with bank statements attached to show the withdrawls and refunds, my account was never corrected. 
SST then had the account " written off '', " past due '' and sent to collections. This negative and incorrect information was then sent to the XXXX credit bureaus. 
Disputed the information with the credit bureaus but told by XXXX the information is correct per SST. 
It is now on the credit bureau reports and affecting my ability to keep and get credit from other companies.
Product: Checking or savings account

I opened an account by the name of XXXX XXXX XXXX XXXX with a wells fargo representative in XXXX XXXXXXXX XXXX, on or around XX/XX/year>, the representative told me they would send me a debit card so I can use it at an ATM to make deposits on the go. They stated they would wait and not penalize me for the wait for receiving my account information. I waited for but never received this debit card, Meanwhile Wells Fargo began to charge my account for inadequate balance and eventually closed my account.