23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Payday loan, title loan, or personal loan

I made a one-time final payment offer to the XXXXXXXX program solution. It was done with XXXX agency. They called XXXX and made the final pay-off total for the XXXX loan. The price and close-out charges were sent by me to XXXX. 
Now, I have been told that I have a balance due amount. I totally disagree.
Product: Vehicle loan or lease

After reviewing the uploaded contract Santander Provided, I noticed that they Altered the Contract without my knowledge. After further review I also noticed some weird charges regarding the GAP insurance. I never requested a refund on GAP insurance, and I never received the funds either. it looks like they had me pay for the gap insurance and then somehow cancelled it and pocketed the fee for themselves. This bank is trying to collect double the amount of money for this loan and that is violating consumer law. They have not
Product: Checking or savings account

Payfare/XX/XX/XXXXXXXX locked my card for security reasons ( incorrect pin or CVV entered by me, the cardholder ), however the card continues to be locked several days past the 24 hours they said it would be locked for. This has happened several times, causing me to lose access to my funds for bills and purchases. They typically ignore calls and emails, and unlock it when they get around to it. When they do answer my calls, they assure me that my card is not locked and that I should try it somewhere else. However, when I take their advice and attempt to make a purchase, it is still locked. I emailed them a couple days ago letting them know that if this continues, I will need to file a complaint with Consumer Finance Protection. 

Today ( XX/XX/2023 ), I called about a half hour ago, and they told me it would be unlocked at XXXXXX/XX/XXXX tomorrow. They encouraged me to try making a purchase then. However, immediately after our phone call, I saw they deactivated my card entirely, and restricted access for me to view my virtual card and my account number and routing number. So I called them back and explained this, and the representative gave me no legitimate explanation. The representative told me she will make a ticket to escalate my request and to wait for a call from Payfare. Ive been told to wait for a call from them several times before, and never received a call.
Product: Credit card or prepaid card

Hi there. I hope it is not too late to file the complaint. 
The SSA issued my benefits in a Direct Express card. My card was stolen after an ATM withdrawal and several unauthorized transactions were made.

Most were done as credit or cash purchases not requiring my PIN. 
I alerted Direct Express and they said they would look into the situation and investigate the fraud-including reviewing security cameras at XXXX XXXX were most were done. 
In the meantime Direct Express issued me a provisional credit. However, XXXX  did not investigate and after many attempts to resolve their inaction they took back the credit. 
Please see attachments for the charges-including a charge to a wig store-Im a male and dont wear wigs! lol Also I do not eat at XXXX. Thanks very much for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND TIME REPORTING THIS ISSUE FROM EXPERIANXXXX XXXX XXXX XXXX. I KEEP GETTING DENIED CREDIT BECAUSE THIS AGENCY WILL NOT DELETE THE " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH, LACK OF RECENT REVOLVING ACCOUNT INFORMATION, LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION. '' MY BANKRUTCY WAS DISCHARGED OVER 2 YEARS AGO AND EACH TIME I APPLY FOR CREDIT, I'M DENIED AND IT'S ALWAYS EXPERIAN AGENCY THAT HAS THIS INFORMATION OF BAD CREDIT AND LOW CREDIT SCORES! THIS AGENCY WILL NOT ANSWER THE PHONES, THEY WILL NOT MAIL CREDIT REPORTS, AND THEY WILL NOT CORRECT MY CREDIT INFORMATION. I WANT TO SUE THEM AND THIS BOGUS FEDERAL AGENCY WHO WILL NOT ACT AND DISCIPLINE THIS BOGUS EXPERIAN AGENCY! I'M ASKING CONSUMER FINANCE TO HELP ME IN GETTING THIS INFORMATION CORRECTED ONCE AND FOR ALL! PLEASE REMOVE ALL OLD ADDRESS, NAMES AND PHONE NUMBERS FROM MY CREDIT REPORT, I WANT THIS CREDIT AGENCY TO CORRECT MY CREDIT REPORT OR I'M GOING TO GET AN ATTORNEY!
Product: Credit reporting or other personal consumer reports

I received a letter from my new utility company that as of this week my XXXX XXXX is XXXX from Experian. Yet when I look on my experian account for which I pay for, it says XXXX. How do they get by with telling me it's XXXX thing and telling a potential creditor it's another? That is not being truthful or fair to me.
Product: Student loan

Sometime in XXXX, loan servicer EdFinancial advertised to me through my online account and via their website the ability to check to see if I was a candidate to change my payment plan to lower payments. 

I completed an online form to check eligibility. I did not know or understand the information provided that I was applying for or consenting to a change in payment terms. I was only checking to see if I was eligible for a lower payment. 

On XX/XX/XXXX I received correspondence from the servicer informing me that I had been enrolled in a new payment plan and that my account was in an administrative forbearance. 

I emailed the servicer through their online portal and explained that I did not want the new payment plan and that the change had been made without my consent. I called their customer service line to discuss the situation and was informed that receiving a response or resolution could take up to a month. Since the increase was less than a dollar, I informed the representative that I would like the account noted that I was dropping my original complaint and would accept the new payment plan. I inquired if I would need to make double payments once out of administrative forbearance and was told no. I was informed that I would not be considered past due and that my payments would not start until XX/XX/XXXX, as per the correspondence received.

On XX/XX/XXXX, I reviewed via the services online portal correspondence dated. XX/XX/XXXX : I am changing my payment plan and payment without any initiation from myself. The new plan had the payments now starting XX/XX/XXXX and increased my payments by {$120.00}. Additionally, a statement was posted detailing an amount owed of XXXX. With XXXX being past due.
Product: Student loan

XXXX XXXX XXXX Federal student loan Struggling to repay your loan Nelnet * This complaint was closed because the company responded. However, the attachment that they sent with the response is unable to be opened. Therefore, I DO NOT have a response. Please look to see if it was sent to you as a true attachment that you can forward to me OR if there is no attachment. In that case, I would need you to send the complaint again for a response that can actually be read. 
Thank you, XXXX XXXX
Product: Checking or savings account

My problem begins with Chime bank this past XX/XX/, 2023 when I received an email from this bank telling me my account was putting on hold because I received a fraud deposit. I was very confused because my only 2 more recently deposit was my work direct deposit and my irs refund check, which I deposit tru the chime app at XX/XX/, 2023. I answer the email and asked what is the issue? After that the nightmare begins. I send every document the inquiry and I call with no clear answer. They just said they cant verify that documents. And they tell me they are not going to give me access to my account or give me my money back. Until this time no answer and I have no money or account.
Product: Credit reporting or other personal consumer reports

I WAS THE VICTIM OF IDENTITY THEFT. I HAVE FILED A POLICE REPORT AND SENT EACH CREDITOR ON MY CREDIT REPORT A REQUEST FOR PROOF OF OWNERSHIP. I DIDN'T OPEN THESE ACCOUNTS THIS IS PREDATORY. 

BELOW ARE THE ACCOUNTS THAT ARE FRAUD XXXX XXXX XXXX  ACCT # XXXX AMOUNT {$750.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMOUNT {$300.00} XXXX XXXX XXXX ACCOUNT : XXXX AMOUNT {$560.00} XXXXXXXX XXXX ACCOUNT : XXXX AMOUNT {$480.00} XXXX XXXX  ACCOUNT XXXX AMOUNT {$23000.00} I HAVE ATTACHED A COPY OF MY POLICE REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts from XXXX XXXX and XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX or XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX and XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX  and XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

Either Synchrony Bank or XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And Synchrony XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX are reporting a debt of {$600.00} owed. When I sent letters to validate, called to get more information and tried to contact you to make arrangements to take care of this obligation and to have it removed from all three credit bureaus with no response, not even to validate. I have never received communication about this in writing upon request.

I would like something in writing that shares how you would be willing to delete this negative account from my three credit bureaus if paid in full. 
Please send it to me via email preferably to XXXX or by mail. This negative mark on my credit report is causing my credit to decrease, and I am trying very hard to qualify for a home. Please give this matter the attention it deserves. I believe that if you are to make negative marks on my credit reports that you should also be amendable to making arrangements to address the matter and remove the damaging marks for the three credit reports. 
Please get back to me as soon as you can. I am also sharing this with the Consumer Financial Protection Bureau to investigate as I believe that is your responsibility to work with the consumer and not ignore attempts to rectify the situation. 
When I spoke with your representative XXXX at XXXX ( XX/XX/XXXX ) I was reaching out to try and work on negotiation the payment and removal and he shared that the account was no longer valid. Yet, it still reports on all three credit bureaus. 
I spoke with XXXX on XX/XX/XXXX and he shared that the only accounts I have open at this time are the ( XXXX ) XXXX and XXXX XXXX in good standing and he only had listed no balance on both of those accounts. He mentioned a XXXX and XXXX XXXX but did not share an account number or was willing to make any arrangement for an account that did not exist. He stated that the Date for XXXX was XX/XX/XXXX. As I look at my credit report, this seems to be the obligation that is lingering and your company will not address it with me, will not validate, will not communicate on the obligation and will not return letters wanting to work together to have it settled, paid and removed. 
Please contact me ASAP upon receipt of this letter. I believe that it is not within your right to ignore my attempts to try to work on solutions to this issue. 
Thank you XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX XXXX  {$220.00} Open balance I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit card or prepaid card

My XXXX credit card I have with Kay Jewelers was closed in XX/XX/2020. I was not notified until I tried to make a purchase with the card in XX/XX/2020. I was hit with hard times because of COVID very badly. I did not receive a bill from XXXX  from XXXX-XX/XX/2020. I tried to make purchase in XXXX and was in the store and they notified me that the account was closed as I went to pay. My credit score was impacted badly by this account being closed and dropped a severe amount. I am now trying to start the process to purchase a house and being told my credit score is too low. With out the closing of this account on my credit report, I am confident that my credit score would be in much better standing. Thank you.
Product: Credit card or prepaid card

My wife passed away XX/XX/XXXX. I was unaware of this card carrying a balance and realized it when I pulled my credit to buy a home. I called to pay them and asked them to resolve it and they said they would fix it. They still have not fixed it. I called again XX/XX/XXXX and they said they have fixed it and they haven't.
Product: Mortgage

XXXX - applied for forbearance program covid related reduced income 2020 - approved - lender, Quicken Loans ( Rocket Mortgage ) still took payment ( automated ). They refused to refund the money - said it would make me delinquent and subject to negative credit reporting. I took the hit and borrowed at high interest loan to cover debt balance on checking and over draft fees in XXXX. They did this again in XXXX with a one time payment they claimed I setup - but when talking to them they said all payments were canceled. I said I could start back in XXXX but now this is looking to have caused 10 over drafts this month too.. I am back working and earning - but less than before - but still want to get back on track but they are not willing to reverse and are threatening to file negative remarks if I ask bank to stop pay.
Product: Debt collection

Dear Resurgent Capital Services L.P., I am reopening my complaint regarding the debt... I appreciate the detailed transaction history that was prepared by Resurgent Capital Services. As you stated in the letter, your summary report is not an account statement from the original creditor. Moreover, the information did and does not fully address the issues I raised regarding the validation of the debt. Specifically : Lack of Original Creditor Documentation : Your response did not include documentation from the original creditor. I requested a copy of the original signed agreement to establish liability for this debt, which is not present in your response. Per FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ], you must provide the original signed agreement.

Absence of My Signature : There is no signed agreement or contract, which is required under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ].

Incomplete Proof of Debt : The documentation lacks a detailed breakdown of the original debt and adjustments made, as required by FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ].

No Proof of Ownership : There is no proof that LVNV Funding LLC owns the debt or of any transfer from the original creditor, required under FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ].

Incorrect Address Information : The address listed does not match an address during the alleged debt period, raising accuracy concerns under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ].

License to Collect : Please provide proof that LVNV Funding LLC and Resurgent Capital Services are licensed to collect debts in Georgia, as required under state law.

Please send a physical copy of all relevant documentation, including the original agreement and detailed account information. Failure to provide proper validation may result in further action under FDCPA and FCRA.
Product: Checking or savings account

On around XX/XX/2019, I tried to log in on Chase to view my account. The screen prompted that I cant proceed further and to call the 1800 number. I proceed to call the operator relay number and tried to answer questions but I had great difficulty hearing them that well at all. I am hearing impaired 100 % since birth. I was told by them from Fraud Department that they are closing my account and couldnt do any business with them no longer. 

I was livid and very upset because I was about to make transfers from my other bank account to Chase account on semi-regular basis but now I am being blocked from doing so. Today, XX/XX/XXXX I got a letter from them saying that I can no longer use the account. 

I do not recall providing information thar Chase requested. This is absolutely wrong and they know it. I am hearing impaired and talking to them with some of heavy accents really frustrates me as a customer.
Product: Debt collection

on XX/XX/XXXX I obtained line of credit from BANK OF AMERICA , N.A, with amount of {$250000.00} with account number # XXXX on XXXX bank of America breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia . 
on XXXX I filed chapter XXXX bankruptcy, and case converted to chapter XXXX unlawfully, and since trustee transfer all of my money from DIP account ( {$91000.00} ) to his account I was not able to pay BANK OF AMERICA LINE OF CREDIT since XX/XX/XXXX. 
and BANK OF AMERICA, N.A close that account on XX/XX/XXXX. first third party debt collector XXXX XXXX XXXX XXXX tried to collect # XXXX when they could not and find it was forclosure, then third party debt collector XXXX XXXX XXXX XXXX try to collect same line of credit with different account number # XXXX ( amount of {$160000.00} BANK OF AMERICA, N.A closed it on XX/XX/XXXX ) and under name of XXXX XXXX XXXX XXXX for amount of {$250000.00}. 
and after forclosure BANK OF AMERICA N.A transfer account # XXXX to XXXX XXXX XXXX, XXXX since both account is under one line of credit agreement and both closed and breached and passed statue of limitation. by forclosure and transferring it to debt collector XXXX XXXX XXXX, XXXX BANK OF AMERICA, N.A caused a lot of harm and damaged financially and mentally to I, and my family, I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX complaint several time at least 11 times and they ignored me. third party debt collectors finally without any court hearing all hearsay and with different case laws that are not related to the case without any facts or evidence with deceptive action, got judgment against I, and my husband ( he is not party in alleged debt ), to foreclose my home stead property with a line of credit that was breached and passed statue of limitation. alleged case : XXXX at SUPERIOR COURT OF THE DISTRICT OF COLUMBIA, BANK OF AMERICA, N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX V XXXX XXXX XXXX, XXXX PLAINTIFF ( S )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for this Syncb/bp Dc credit card. Can you help me with this problem?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX Approached by a debt collector in Nebraska about a bill, requested validation none sent. Reached out to XXXX XXXX XXXX to settle any old debts in good faith, paid all and was assured I had no more obligations to them. 


XX/XX/XXXX XXXX XXXX XXXX sent an account I do not owe to a debt collector who is now trying to force me to pay the debt. I have asked for validation from the debt collector which has not transpired according the Fair Credit Act. Amount is approximately {$1300.00} for a supposed bill from over 3 years ago Attached copies of accounts I settled, and validation letters I sent
Product: Credit card or prepaid card

I applied for a Citicard, they denied it because I refused to give them certain further information and now they are sending me credit are statements and wont let me close the account even though I have tried 5 times.
Product: Mortgage

BB & T Bank had pre approved me for a home loan. I sold my house and paid off the mortgage that was also thru BB & T Bank. I put down money in escrow, paid for an appraisal. Paid for a survey and an inspection. Now the underwriter added things right before I get ready to close on the house I was purchasing. I paid to have farm animals moved to a boarding facility. I have nowhere to live due to the underwriter doing this. This has created a horrible hardship for me. I can only stay at a friend 's house a little bit longer. BB & T bank which is Truist now. Has put me thru the wringer and I have no place to go because of the underwriter. Please help me out. 
Thank you
Product: Credit card

I have a late payment reflected, which I do not agree with, the information is inaccurate. 

ccount info Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment {$480.00} as of XX/XX/XXXX Monthly payment {$440.00} Credit limit {$16000.00} Highest balance {$16000.00} Terms -
Product: Checking or savings account

My former employer 's HR director, XXXX XXXX of the XXXX XXXX of Ohio was supposed to be my XXXX XXXX when I was a XXXX XXXX applicant but instead she tried to have me institutionalized and forced on to XXXX. She eventually fired me when I refused to " be XXXX '' but during the process she stole thousands of dollars from my bank accounts, hired criminals to damage my property, and filed false charges against me that resulted in my XXXX  to cover up her crimes. 

Currently she admits that the XXXX XXXX of Ohio owes me backpay of over {$10000.00} plus unemployment compensation but she won't release it to me. I am in danger of losing my home.