23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously received a letter from XXXX XXXX XXXX  sometime in XX/XX/XXXX concerning a transaction on my bank account. I sent them a letter XXXX XXXX discussing the matter and disputing their claim, in which they never responded. This account was sold or sent to Sunrise Credit Service without any investigation or answer to my dispute. I then viewed my credit report noting an alleged account to Sunrise Credit, saying that I owed them {$1700.00} on my reports. On XX/XX/XXXX, I sent them a dispute asking them, among other things, to verify and validate the claim, showing a contractual obligation with my signature showing that we had done business or that I had owed them. They then sent me a bill but no contract or other obligation with my signature or anything to prove they had the right person or it was me. On XX/XX/XXXX, I sent them a final goodwill attempt, with law showing the same allegations asking them to clear up this matter or prove that this account was mine. They disregarded or ignored my request again, sending me the same bill, with no explanations. I understand with federal and state law, under the FDCPA, FCRA, and others, that consumers have rights, particularly, to have alleged debts be verified.
Product: Checking or savings account

My checking account was charged XXXX without my authorization. I went to my bank on XX/XX/XXXX after I saw that this happened. It was Synchrony Bank Pay Later. Account ending in XXXX. No such account exists. I have account with them., but this is not XXXX. I informed my bank and my account was closed and I have a new number. Today XX/XX/XXXX I received an email from Synchrony pay later stating that they received my payment. My bank account shows that payment is pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was incarcerated during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the XXXX  XXXX XXXX XXXX and XXXX. I was incarcerated from XX/XX/XXXX until I was released XX/XX/XXXX
Product: Student loan

Sallie Mae makes it difficult to apply my extra payments against the highest interest loan. I have complied with their rule to send instructions with each payment. I send a separate piece of paper with instructions on how I want my payment applied but now they are not following my instructions. Their toll free customer service line puts you into a recording that does not give you the option to speak about billing problems. I only got an alternate contact number by choosing the option to apply for a new loan. The new contact number is only open from XXXX - XXXX. I feel that Sallie Mae is playing games so that people will give up on having extra payments applied to the higher interest loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Resurgent are sending me emails to collect a debt from a card which is fraudulent. They are sending me a bill and inside the end Ill a person named XXXX attached a smiley face emoji to it which alerted me that this was most likely a scam. However, this is effecting my credit because there is a negative mark on my credit showing this is an outstanding collection. I also believe that once I paid out my XXXXXXXX XXXX  debt recently someone took my information and used it to XXXX this fake bill. XXXX was bought by Resurgent and I believe that they are giving out information or unsecured. Please contact me to get this matter settled.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX, XXXX Last Verified Date XXXX XXXX 2024 XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX 2024 XXXX XXXX XXXX
Product: Vehicle loan or lease

I Had The Vehicle Taken From Me In XX/XX/XXXX. I? Got Two Vehicle 's From Ford. One Was In XXXX. That Had Problems With The Wheels. And The XXXX! Had A Problem With The Brakes To Release The Car From Parking. And I? Made Payments Up To XXXX. Of This Year. I? Wanted To Refinance It! But! Ford! Didn't Want To Hear About It! For The Passed! Five Years! And XX/XX/XXXX! They Have Taken Money From My Bank Account. Without My Permission. And? They? Double Dipped Into My Account. I? Want All Of The Money They Took From My Bank Account. Back Into My Bank Account. Every XXXX That They Took.
Product: Credit card or prepaid card

I was approved another Discover account with a {$3000.00} credit limit with a Hard pull on my XXXX  credit report recently. However after receiving the credit card by mail. Discover then locked the card and stated they needed verify my identity but after more research I was informed they needed for me to sign off on a 4506-T to verify income however Discover own legal application process allows customer by law to include combined household incomes including stocks and bonds and business income. Matching tax returns income for an approval or denial when their is combined household income to me is " Income Discrimination '' additionally this isn't an industry standard procedure with other lenders. Furthermore, I am concluding this random check is due to fraud that wasn't properly resolved on a former account that I have tried actively try to resolve with no resolution.That account is reflecting a fraudulent balance of {$350.00}. Discover has both police reports information in regards to that matter. I applied with Discover seeking to develop a solid relationship with the bank for a longterm plan. This procedure should be modified to ensure the process doesn't discriminate against people with various incomes sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have XXXX Cases on my background check, which is correct, however the dates are not. On the XXXX XXXX XXXX XXXX XXXX its dated XX/XX/2015 when the correct date is actually XXXX/XXXX/2015.
Product: Credit card or prepaid card

I have a credit card account with Capital One which had a balance due amount of {$460.00} with a due date of XX/XX/XXXX. I paid off the whole balance on the account by the due date, and I have a copy of the receipt. I later received a bill the following month for the XX/XX/XXXX statement with a balance due on the account, showing as a finance charge on the amount I had paid off. The statement should have been showing a XXXX  balance. I never used the card after I paid the last balance off, so my account should be showing a XXXX  balance. So I called capital one, and asked them why they were charging me the finance charge on the account that was paid off and up to date, and should be having a XXXX  balance. They told me the finance charge was incurred even before I paid the balance off. However, there was a finance charge already included on the balance that I paid off. They told me I should have contacted them to get a payoff quote before paying up the balance on the account. I told them I have never heard of such a thing, as I have other credit cards and when I pay off my balances in full, none of them has ever come back to charge a finance charge on the account that was paid off. Capital one would not reason with me, but still insisted that the account had the finance charge balance that must be paid. I requested to speak with a manager, and they gave me a supervisor to talk to, who was still telling me the same thing. So, I told them I was going to report them to the consumer affairs department. Now, as of today XX/XX/XXXX I already received a new statement from Capital One showing that they added another finance charge and past due fee to the last amount I had in dispute with them. This is an unfair and unethical practice by Capital One, which I feel the government should know about, because they may be doing it to a lot of other people who may not be checking their account, and getting away with it. I hope you would be able to resolve this issue, after which I will have to close my account with them, since they can not be trusted anymore. I have paid my balances in full in the past with them, and never had this kind of problem, so this is a new way they are trying to " steal '' from from innocent consumers. I hope if anyone reads this, and have a Capital One credit card will start reading their statements carefully, to catch any irregularities like mine. Thank you for your assistance on this matter.
Product: Credit card or prepaid card

My name is XXXX XXXX and on XX/XX/XXXX, and XX/XX/XXXX I paid merchant : XXXX XXXX via XXXX {$1000.00} and {$1000.00} respectively. XXXX XXXX received a total of {$2000.00} from me via XXXX. This purchase was for two  male XXXX XXXX kittens that I to this date XX/XX/XXXX have never received. I was informed on XX/XX/XXXX by XXXX ( email : XXXX ) that one of the kittens had died in their care. I have attached the email validating the death of one of these kittens that I signed a contract for. 
I emailed and called XXXX politely requesting a {$2000.00} refund to my credit card on XXXX  Day  XX/XX/XXXX as evidenced by the attached email. I made the purchase for two cats we had agreed upon prior to the death of one of the cats named XXXX. In this email I stated I did not want the substitute cats they were trying to pawn off on me because it was not what I had paid for and they also failed to deliver these cats by XXXX XXXX   which was the entire point in the first place. 
They have refused to give me my {$2000.00} refund or send me the two cats that I paid for. They have received {$2000.00} of my money via XXXX and have not delivered the two cats that were promised to me as of XX/XX/XXXX.
Product: Mortgage

I also want you the cfpb to know that I did a deposition for a lawyer out of texas, he is defending XXXX whistle blowers that use to work for ocwen and I came across some very interesting emails from ocwen laughing and joking at our situation.. a lady named XXXX XXXX and another lady lol with smiley faces one asking the other to get us a mod and the other one saying like that will ever happen lol with a smiley face at the end ... but since you guys have let them do this to my family since 2011 you probably think its funny too ... thas fine and now the have XXXX to foreclose on us right after our deposition and they are the ones making a joke of it ... that 's ok its things like this that make our cases bc no one else cares and that 's the truth ... shame on you cfpb
Product: Debt collection

Pacific Western Bank foreclosed our home in XX/XX/2014 and sold it for more than the loan amount that the money we owed them. We lost our home because they refused to extend the loan so they could take it and make more money. 
Then the bank said that we owed them {$210000.00} in attorneys fees and other fees for {$90000.00}, that's a total of {$300000.00}. Our attorney said that the bank can ask for interests which makes the amount now {$400000.00}. The bank didn't lose money when they took over our home and sold it. The bank has been harassing us for 5 years and continues to harass us and wants to take whatever we have left. This bank actions have caused us a great hardship which has created severe trauma in our lives by continuously attacking us and threatening us. They now want to take the home we live in and another property too under their carefully planned scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried sending my personal Information to Experian as i have been a victim of identity theft and fraud and submitted my complaint thru the CFPB and they still generated a automated email stated that i did not submit this complaint and i didn't have sufficient information to delete these fraudulent accounts. Please see attached documents to support my request AS I XXXX XXXX am submitting this request to have these accounts blocked. further more here 's the law The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) requires you to provide identity theft victims or law enforcement at the victims request with a copy of records relating to the theft. Following a written request from an identity theft victim, you must provide the records within 4 days after the date of receipt of a request from ta victim, free of charge and without a subpoena. This is sometimes called the business records turnover provision. 


I certify Under penalty of perjury that the foregoing statements made by me are true and correct and contain no misrepresentations of facts
Product: Credit reporting or other personal consumer reports

My XXXX XXXX used my personal information to open up these fraudulent accounts in my name.
Product: Student loan

I was promised by XXXX XXXX sell representative, immediate hire after completion of training. I was not hired and I didnt not receive any help for jobs interviews like they XXXX XXXX promised. I was also not given a certificate of completion to be able to show at interviews. Not one of the the students that attended with me during that time received certificate or got hired as a medical assistant. I have informed Nelnet several times about this fraud and according the Neltnet there is nothing to be done. 

This happened in 2005 my total amount owed to Nelnet is {$10000.00} that I have not been able to pay.
Product: Mortgage

I was suppose to close on XX/XX/2022, but on XX/XX/XXXX around XXXX, a representative from Morgan Chase Bank, which I was using do finance a mortgage loan, calls me and tells me that the monthly amount was going to be around {$500.00} more. I asked why, they said because they estimated the taxes wrong. They applied the amount the seller had been paying and that I would have to pay more on taxes because I didnt qualify for the deductions the seller qualified for. I asked them, well, arent you guys working and analyzing numbers for me? And why did this change come up the day before I was supposed to close? I called the title company and asked when the tax information was sent to Chase Bank, they said it was sent to them on the XXXXXXXX XXXX XXXXXXXX. I told Chase bank that this change in payment made it not possible for me to purchase the home and that they should have told me this change in monthly payment way before XX/XX/XXXX, the day before closing, and I could of backed out of the deal and kept my earnest money. I have been trying to work on a solution with Chase bank since XX/XX/XXXX until today, XX/XX/XXXX. Today finally someone from their escalation team called me back and told me they apologized from them dropping the ball on the tax amount but they would not make me whole in my earnest, good faith money I lost on the deal. Its was their fault, they admitted to it and they dont want to repay me the money I lost trying to buy this house. I think its unfair, unprofessional, and them hiding behind supervisors and not facing their mistakes and do the correct thing and repay what I lost. Its not big deal for them because its not their money but it is for me. Its embarrassing, humiliating and disheartening having to tell people, oh no Im sorry, I cant get the home after all, I cant afford it, when its not even me the person who miscalculated the payment amount. Chase Bank should not be doing mortgage loans if they dont know how to add or subtract.
Product: Debt collection

I received a letter on XX/XX/XXXX of this year from First national Collection Bureau , INC . They stated that i was sued and a judgment for the amount of XXXX was ordered in XX/XX/2007. The company that they claim the judgment was for is XXXX XXXX XXXX who is collecting on behalf of XXXX. The date of the letter is XX/XX/XXXX of this year. The letter states that it is a Judgement Collection and that you must dispute with in 30 days of receiving the letter. However there is no post mark stamp to determine when the letter was actually sent. The letter says it was sent from a XXXX XXXX in California but the office address of First National Collection Burea is in Nevada. They are also sending it addressed to my maiden name which I legally changed and have not used in over 20 years. The letter is very unclear. it states that i must contact them and once i do they will validate the judgement or the debt. I was never served to appear in court and I checked with every circuit clerk for the counties that we have resided in over the last 20 years and there are no judgements listed. I have never had any credit cards or loans for this amount and I have never heard of XXXX. When i did research on this company all I could find is that they were sued and settled for XXXX XXXX for false practices by the stated of California and that they eventually were bought by XXXX  XXXX who is also no longer in business. I reached out to First national Collection and all they keep telling me is that they need me to pay and that if not they can garnish wages or come after assets. When I asked about the judgement and when and where did this take place I get told the same case number that is on the letter but they will not provide the state or county that it was secured in. When i request a supervisor I get left on hold and no one comes back or the call is disconnected. I was under the impression that before a collection agent could attempt to collect debt that by law under the FDCPA that they are required to verify the debt which their letter clearly states that they will only do if you dispute the claim.. This has all the earmarks of some kind of scam.My concern is that they are targeting people in these difficult times and threatening financial recourse for debt that is not valid. I am hoping that your agency can help and put a stop to this.They claim at the end of the letter that if you pay them now they will discount the amount by 40 % but that they are not obligated to renew the offer. It also doesn't state the terms of this payment arrangement. There are also no dates as to when each payment would be due.
Product: Consumer Loan

I live in the state of California, last year XX/XX/XXXX I took out a loan with cash call, was told they did not do loans under XXXX but I could repay back what ever amount I wanted right away and that would bring my payments down and the amount I would owe, well I did n't repay a large amount back, I have been paying I. This loan for a year, I have already paid them XXXX on a XXXX minus fees loan, they have taken out late fees without notification to me from my account putting it negative, and numerous XXXX fees I have paid to my bank every other day they try and pull the money out of my account on several occasions I have made payment arrangements that were not documented, this month XX/XX/XXXX I had unexpected expenses and received an email saying they can help me so I responded to the email and no response back I waited 3 days and still nothing, now I sent another email still no response I keep getting phone calls, I read that XX/XX/XXXX that cash calls license was suspended for up to 12 months how is it possible to get a loan the next month, I feel that my loan is illegal I also read how to respond to a illegal loan so am am going to take these steps, first send them an email explaining that I am revoking the ach and any wage garnishment study they may try to do do to their license being suspended when issuing my loan, also close my bank account and request a refund of all monies I have paid to the company, I feel this company should be shut down and not allowed to give any loans to anybody I will not ever do another loan like this this has ruined my life, my relationship, and I will never regain any of it back, I feel this company should have to pay every cent to every person they loaned to especially if it was illegal, I am not saying that because I do n't want to pay back the loan, I would be willing to only ask for the extra money I paid to the company besides the principle amount of the original loan, I have over probably a XXXX dollars in late charges from my bank from this company, and would ask for them to pay back that money as well, I want to know how this can be fixed and my life back to normal. Please help me
Product: Debt collection

I am writing to formally dispute inaccurate information listed on my credit report under the Fair Credit Reporting Act ( FCRA ). I am requesting your assistance in investigating and correcting this information. 

The account in question is : Account Name/Number XXXX XXXX XXXX This account contains errors, which I believe may have resulted from inaccurate reporting. I have previously disputed this through Equifax, and the account remains without a proper and fair investigation.

Per Section 605B of the FCRA, I request that this information be blocked or removed immediately.
Product: Credit card

In XX/XX/XXXX, I had my car serviced at XXXX XXXX XXXX and tried to use my accumulated points to pay for part of the service fee in accordance with the rules for the credit card. Comenity Bank wouldnt authorize their use. In XX/XX/XXXX, I again had my car serviced at XXXX XXXX XXXX and tried to use my accumulated points to pay for part of the service fee, but again Comenity Bank would not authorize their use. In XX/XX/XXXX, I had my car serviced at XXXX XXXX XXXX. I brought a copy of my statement and again tried to use my accumulated points to pay for part of the service fee, but again Comenity Bank would not authorize their use ( despite talking with XXXX different bank representatives ). 

After each denial, I contacted the bank and each time they confirmed my reward point balance and that they could be used for service at XXXX XXXX XXXX, but would never explain why the bank denied use of the points. In fact, I received a letter dated XX/XX/XXXX stating in part : XXXX reviewed your reward balance. We confirmed the available reward point balance is XXXX. We found no issues that would prevent you from redeeming these reward points. 

On XX/XX/XXXX, I was notified that my account was closed on XX/XX/XXXX at my request. I never requested or authorized such closure, and this closure was before the XX/XX/XXXX confirmation that the account was active and points could be used! After I contacted them about this, they changed the reason for cancellation and notified me that the card was cancelled for inactivity. ( If they had let me use my points, there would have been activity ; but even so, who heard of cancelling a card for inactivity for XXXX months, from the time they first refused to let me use points? ) I can only assume the real reason they closed the account because I was repeatedly trying to use my points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputes a bankruptcy showing up on my credit report. I received results of the investigation which identified XXXX XXXX as a third party agency to whom Equifax verified the information. I question the validity of that statement because my XXXX XXXX has been frozen since XX/XX/XXXX. Equifax is being untruthful which is causing me a great financial hardship.