23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A DEBT FROM XXXX FOR A VEHICLE I CURRENTLY NO LONGER OWN AND PAID OFF XXXX TO THIRD PARTY CREDITOR WITH NO CONTRACT IN PLACE THIS ATTORNEY CONTACTED ME AND STATED THAT I OWE HIM FOR THE VEHICLE DEBT THAT WAS ESTABLISHED IN XXXX AND IN XXXX THE ATTORNEY CLIAMED HE WAS HIRED BY THE COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS Documents By typing my full name below, I certify that the above complaint is true and accurate to the best of my knowledge and that any documents attached are true and accurate copies of the originals. * Signature XXXX XXXX Date of Affirmation XX/XX/XXXX COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS ATTEMPTING TO COLLECT A DEBT AND BEGAN TO GARISH MY PAYCHECK SINCE XXXX FOR THE CAR PURCHASED IN XXXX NOW THAT IM WORKING WITH POST OFFICE THE NEW DEBT COLLECTOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AS OF XX/XX/XXXX THE ATTORNEYS STATE I OWE THEM XXXX JUDGEMENT FROM XX/XX/XXXX WHICH WAS ORGINIALLY XXXX I BELEIVE THE STATUE OF LIMITATION IS ONLY XXXX YEARS ALSO THE ORGINAL DEBT SECURITY WAS SOLE AFTER PAYMENT AND NONE OF THIS IS BEING REPORT TO THE IRS WHICH IS ANOTHER FEDERAL OBLIGATION AND NOW FRAUD FROM THESE FORERIGN AGENTS ACTING IN DEBT COLLECTOR CAPACITY WITH OUT CONTRCAT THEY ARE OPERRATING IN A CAPACITY OF A DEBT COLLECTOR AGAIN TITLE 15 USC 1692 G ALSO THE SHERRIF DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX HAS ADDED {$20000.00} NO EXPLIANATION FOR FEES JUST STEALING FROM THE ELDERLY WITH PAST STATUE OF LIMISATION TO COLLECT AS DEBT COLLECTOR HOWEVER MY CLIAMS AND DEFENSE BEGINS WHEN I NOTICED THE FRAUD UCC 3-305 ( 1 ) as for as these debt collectors 18 USC 1001 and 1005 applies WHICH XXXX  XXXX XXXX SHOULD BE NOTIFIED AND IRS for security fraud using tax payer money to get Judgment without giving me the write to face my accuser IM REQUESTING THE REGISTRATION NUMBER FOR THE XXXX XXXX  ONFILE WITH THE DOJ AND ALL MY MONEY BACK FOR FALSE COLLECTION SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX Overdraft Protection Line of Credit which I've had for years, but very rarely use for more than a few days. I check all my accounts monthly, including this one, to determine if I owe any money to any of my open accounts, and pay the bill accordingly. When I login to online banking, the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and Current Balance is {$0.00}. To any normal person, there would be no further action to take - so I took no action. Fast forward to XX/XX/XXXX, I receive a cryptic email from XXXX XXXX @ XXXX XXXX requesting me to call her. There is no sense of urgency in her email. I called her and she explained that I had a past due balance of some {$4.00} and change. When I accessed my online banking, again it displayed the same information : the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and XXXX XXXX is {$0.00}. She said in order to see the past due balance I had to physically click on the XXXX Now button and the website would then show the amount due. That's ridiculous by itself - since the website first said nothing was due. I indicated that I would pay the bill that day ( Tuesday ). When I attempted to pay the bill later that day ( I'm in CA now and XXXX XXXX is in MA, so there's a XXXX hour time change - XXXX XXXX was already closed ) it would not let me, saying I have to transfer a minimum of {$10.00}. I didn't owe {$10.00} - I owed {$4.00} and change, so I didn't have a way to pay it. There was no indication made to me that if I didn't pay the past due interest by that day I would receive negative credit reporting. That's exactly what happened. I was reported 30 days late to the bureaus because of a website error - the website was clearly communicating incorrect information. A consumer should not have to hunt and peck through the website to find how much is owed. If any amount is due, it should be displayed under the amount due column. I am attaching a screenshot of the website prior to making the payment that shows how information is being incorrectly displayed.
Product: Credit reporting or other personal consumer reports

XXXX.. I Requested a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not XXXX  ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting. Instead of doing so. XXXX closed my initial investigation request ( on XX/XX/24 ) WITHOUT providing me any documents Certified by a Professional ( employee ) at the Federal Agency ( Court ). XXXX.. I initiated a Second Request for a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not XXXX  ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting. XX/XX/24 ... I received an email abruptly closing my request with XXXX FALSELY stating that I cancelled closed the investigation ( **SEE ATTACHMENTS PROVIDED TO INCLUDE STATEMENT ON CANCELLATION ). The agency is also selecting " Reason For Investigation/Dispute '' other than what is relayed over the phone... For example... Selection of " This Account Does Not Belong To Me '' instead of the true nature of the investigation,. XX/XX/24 ... I attempted to review my XXXX credit file and the company has locked me out... stating I needed to verify my email address. I clicked the Verify Email Address icon... was sent a verification email..clicked on the appropriate link only to see a message stating the link had expired ... .I attempted this ( 3 ) times without delay in clicking any links but have been locked out and prevented from viewing my report. I did advise XXXX I would report their illegal way of handling my Public Record full investigation request. 

Lundquist Consulting , IncXXXX may be XXXX 's data furnisher and should also have been a part of this full investigation request.
Product: Debt collection

GENESIS CREDIT MANAGEMENT Are TRYING TO COLLECT {$3100.00} FROM AN ACCOUNT THAT WAS OPEN FROM IDENTITY THEFT. I REACHED OUT TO THE COMPANY EXPLAINING THAT WAS OPEN DUE IDENTITY THEFT.
Product: Mortgage

XXXX XXXX XXXX  transferred/sold my home mortgage to Specialized Loan Servicing ( SLS ). When I requested a payoff I saw that it stated that I owe an additional {$15000.00} in other deferred amount owed. I called XXXX XXXX for an explanation and they directed me to SLS. Ive now called SLS four times having to leave a request for a call back. I have not received a call back. I sent a certified letter to the address listed on my bill. It is a P.O. Box. The letter arrived on XX/XX/XXXX at XXXX XXXX. I requested all documents supporting/related to the {$15000.00} amount. I have not received anything or an acknowledgement. My home is currently being sold. Escrow is due to close XX/XX/XXXX. I of course only want to pay what I owe. 

Due to the lack of response, Ill have to pay this amount off so title can be transferred to the new owner. I want to see the proof that this amount is owed. Im not disputing the principal balanced owed. My wife and I have no recollection of what the other amount represents.
Product: Credit reporting

Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made XXXX payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!
Product: Debt collection

In XX/XX/2019, I received a phone bill from XXXX XXXX XXXX   in the amount of {$500.00}. I have not opened an XXXX XXXX XXXX account and neither did my husband so we were taken back by this. I started looking online and there were a lot of forums with others stating the same thing happened to them and it was fraud. I contacted the XXXX XXXX XXXX fraud department to notify them of this unauthorized account and that it was not me that opened it but the fraud representative was so rude, I thought it was from a scam company ( as I have been scammed before ). She stated that considering the information matched, she had to report it as not fraud and I would be liable for the bill. 
I then contacted the XXXX XXXX XXXX customer service number to ensure the fraud number was actually connected to them and to see what else I needed to do. The customer service rep assured me that it was the correct number and I would need to speak to them. The next few times I called, the wait time was so long I ended up calling the customer service number again. This representative notified me that the account was flagged as fraud and that it seems like everything was in progress already. 
I then received a final notice in the amount of {$4800.00} in XX/XX/XXXX. I contacted the customer service team again and they still assured me that the account was still flagged as fraud. 
I then received a notice that the bill would be sent to collections. 
I contacted the XXXX XXXX XXXX fraud department again and they stated the account was marked as fraud because they believe it was fraudulently opened by me and I was not paying my bills. Once I realized XXXX XXXX XXXX would not perform their due diligence to properly investigate, I went to file a police report. I called the fraud department to inform them of the report, gave them the report number and still nothing was resolved. 
I have since then faxed the police report to the XXXX XXXX XXXX fraud department and started a second dispute with the credit agencies to have this collections removed from my credit report. I have also mailed the report to XXXX. 
The XXXX Co Sherriff 's department is currently working on the investigation and has already found more information about the numbers listed and accounts then XXXX XXXX XXXX did in 6 months. The collections agency will not change any of their information as long as XXXX XXXX XXXX is  stating the account was started by me. I feel as if they do not care about ruining someone's credit history or good standing because they only care if they receive the money, no matter how the account got opened. It has been a very aggravating process with XXXX XXXX XXXX and I feel completely mistreated. According to forums online, I am no where close to the only victim as this situation is blasted all over the internet that others are going through as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm accordance with the Fair reporting act XXXX XXXX XXXX, XXXX XXXXXXXX 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 violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

XXXX payment is due 1 but not late or occur late fees until XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I receive 3 calls from Planet Home Lending in attempt to collect payment. I have no history of being late or missing payments for 7 yrs. I call and the message before you get a real person stated we are attempting to collect Debt. The rep stated You have n't paid you mortage and we are trying to get payment. Well yes.. I have it came out of my bank about ( I am thinking she is talking about my XXXX bill ) on XX/XX/XXXX- NO it did not post you did n't pay it she says. I then get angry and advise she needs to check on this because it was paid and deducted from my bank about.. " NO it did n't post and we are collecting you debt '' she says again. I hang up and call back beyond flustrated. The same message comes out about debt collectors for Planet Home Lending.. I ask the rep is this for XXXX? Yes Maam we have n't gotten XXXX payment.. 
Well, is it late? I believe I have until XX/XX/XXXX before it is late why is debt collector calling me.. Well Maam it is a courtesy call and you have to understand. Well NO I do n't have to understand.. they just stressed me out for NO reason and I believe it wrong to do a so called reminder call under a Debt Collection. Especially since I have NO history with them for being LATE or Missing payments to start. Also, if a reminder why 2 days in a row? IT is not what the recordings say - they say Debt Collector there fore it is misleading and border line fraudulent!
Product: Vehicle loan or lease

On XX/XX/2021 I called Santander consumer USA and I had voluntarily surrender my car to them due to having many issues with the vehicle for many a few years! So I called them and told them to come pick the car up!! It is now XX/XX/XXXX and they still havent pick the car up! They keep telling me they process of picking a vehicle up takes a long time! The current balance on the account is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to XXXX XXXX XXXX XXXX aka XXXX  XXXX XXXX XXXX Date Opened XX/XX/2017 Balance Date Past Reported Due Status PAYS AS AGREED Credit Limit {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX 1XX/XX/2017 Balance Date Past Reported Due {$900.00} I sent a letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and I have not received a response back. I tried calling and was told to go into a location. I advised them that I never lived in Nevada and could not come to the location. I filed a report with Equifax which as resulted they stated the account was remove but when I checked my Equifax report it is still showing. I was a victim of identity theft and my identification and ssn card was stolen and had to be replaced. I need this investigated immediately and removed from the crefit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I had 2 XXXX credit card accounts closed instantly ( both accounts were in excellent standing ) because of a credit report. An item was posted on my report based on an on-going dispute with another bank. XXXX decided based on just Experian, not all credit reports, to close all my XXXX accounts. I have had credit cards with XXXX for more than 10 years. Does anyone know if this breaks Fair Credit Reporting Act laws or privacy laws? 

I was not opening another account at XXXX and none of the data on the credit report was offered to the bank. 

The circumstances are that I have a dispute with another bank that has been ongoing for a year. XXXX then decided to take the charge off record on my credit report that was the other bank 's response to our ongoing dispute and apply that to my banking accounts with XXXX. 

This shows that even if a dispute is ongoing and the one bank has nothing to do with the other they will take ONE CREDIT REPORT ( Experian ) and based their decision about my active accounts at another bank on that. NOT my banking behavior with XXXX. My banking actions with XXXX are nearly spotless and have been for 10+ years. 

This seems to violate the The Fair Credit Reporting Act ( FCRA ) and may be the jurisdiction of Bureau of Consumer Protection.
Product: Payday loan, title loan, or personal loan

This man called Mr XXXX XXXX ( check said XXXX XXXX - XXXX ) from a California number XXXX XXXX XXXX One main financial That is who he claims to be and claims to help people with no and low credit get loans he promised me a {$6.00}, XXXX loan but because my account is in the negative he had to bring it to the positive in order to give me the {$6.00}, XXXX so he deposited ( yes he required my login and password to my account to do this or threatened that I wouldn't get a loan ) and then he deposited a {$980.00} check literally logged into my account and deposited this check from a closed account causing me financial hardship literally I owe the bank so much money now because of this. I have so much evidence I have every text message phone call I even recorded a few conversations as well as the pictures of the checks I would just like for you guys to catch this guy who is a horrible man scamming people who are already broke already in turmoil who can not get help and can not afford mistakes and scams like this. Please can me an email or something a caseworker I will send you everything. XXXX refuses to give me an account now they literally closed my account because this man tried to cash a closed account check.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion requesting that they verify the accuracy of some creditors and collections listed on my credit report. They sent me a letter saying that the creditors and collections had been verified. On XX/XX/2019 Transunion received my certified letter asking them to provide me with the method used to verify the collections and creditors listed on my credit report. By law they have 15 days to provide in this information or delete the unverified creditors and collections that had not been validated. It is now past the 15 days and I have not received anything from Transunion and the creditors and collections that are being disputed is still showing on my credit report.
Product: Debt collection

Twice in XXXX separate instances the debt collection agency has incorrectly attempted to collect XXXX separate debts from me from over a period of a year and a half ago. Both instances dealt with an old apartment I lived in. One instance the debt collector, for some reason, put me on to the account of the person they were attempting to collect from who turned out to be the previous tenant in my apartment. I have NO connection to this person, and still have no idea how I was assigned responsibility for their debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$720.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a natural person. i am a living human being, i have rights under 15 usc 1681 XXXX transunion, XXXX is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT
Product: Mortgage

I refinanced my home loan with Penny Mac, the holder of the previous mortgage. 
I settled that refi on XX/XX/XXXX. 

The gentleman who came to my home to execute the settlement told me that I would have a six day period to rescind the agreement.I signed a disclosure that he kept. The copy of the same document in my packet was blank.

I called PennyMac on XX/XX/XXXX to rescind and could not get a call back. After four attempts, a PennyMac rep told me that I missed the rescind period by one day -- that yesterday, XX/XX/XXXX - was the " distribution day. '' I'm not sure what the " distribution '' was, since no money has appeared in my bank account as of today and the balance of a XXXX loan the PennyMac refi was supposed to cover had not been paid as of 6/11 either.

I also believe PennyMac is engaging in the following unethical practices : I learned ( too late! ) that they are charging about twice the average cost for a refi. I paid $ XXXX for a $ XXXX refi. I thought this was normal until I shared it with someone and they explained how crazy that was! I know it is a " buyer beware '' situation and I'm the XXXX who went in trusting folks, but still, it seems out of range that they should be able to charge that much.

PennyMac automatically " rounded up '' my refi loan by {$2000.00} ( cash back to me ) even though I did not request this at any point. When I asked why I was getting $ XXXX back nobody could explain it beyond saying " Sometimes it just comes out like that ... '' Do I have any grounds for having this refi reversed, or am I stuck at this point? 

Thank you for any help you can provide! 

XXXX XXXX
Product: Student loan

Good day, After XXXX school in XXXX, my federal student loan first originated with a total balance of {$43000.00}. From XXXX to XXXX, the student loan was federal and serviced by different entities including XXXX, Great Lakes, and XXXX. From XXXX and on, the student loan became private with a continuing balance of {$43.00} thousand serviced by XXXX XXXX. In XX/XX/XXXX, I refinanced the private student loan with another bank and the balance currently is at {$28000.00}. 

From XX/XX/XXXX to XX/XX/XXXX, I was making payments to Great Lakes under the income sensitive plan. Every monthly payments were being applied to interest and nothing to principal. This is because the originators at Great Lakes deceitfully placed me in a program where it was interest only driven. At application, they did not explain the features of the repayment program and did not attempt to place in a repayment program that was beneficial to my interests. Due to Great Lakes negligence and greed, after twenty years I am still stuck with making payments on a large principal balance. I have attached the payment history documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding fake inquiries I have in my credit report. I have never gave any company any permission on these inquires. They are not mine. PLEASE REMOVE THEM ASAP! I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing the XXXX XXXX XXXX XXXX XXXX and they dont work wit it i want to remove it asap