23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid off a disputed debt to Fair Collections & Outsourcing ( FCO ) on XX/XX/year> because it was required for me to secure housing. The original debt originated from XXXX at the XXXX Apartments, but the amount sent to collections was grossly inflated and inaccurate and was paid in full long before I started getting notices from FCO. The final statement from the apartment complex shows a balance of {$170.00}, but FCO reported the collection as {$710.00}. I paid {$570.00} to settle the account under protest, as I needed to resolve the issue in order to rent my current apartment. I have attached the final statement from the apartment complex as evidence of the discrepancy. I have disputed this debt with both FCO and the credit bureaus, providing documentation to support my claim, but the collection has not been removed or corrected. This inaccurate and inflated collection account continues to remain on my credit report, despite being paid, and it is unfairly impacting my creditworthiness and ability to pursue financial goals like purchasing a home. Desired Resolution : I am requesting that Fair Collections & Outsourcing ( FCO ) remove the collection account from my credit report entirely. The collection amount was not valid, and I have provided evidence of the correct balance from the original creditor, XXXX at the XXXX Apartments. The account has been paid in full plus some, and removal would be a fair resolution given the inaccuracies and the harm caused by this situation.
Product: Vehicle loan or lease

On XX/XX/2021, I requested and received a payoff amount from Volkswagen Credit for a a XXXX XXXX I was leasing at the time. I then proceeded to trade in the XXXX and lease another vehicle at a XXXX dealership. According to the XXXX dealership, they confirmed the same payoff amount with Volkswagen Credit and sent the quoted payoff amount which was received but not applied to my account. Volkswagen Credit now claims, almost a month later, that the payoff amount received was short approximately {$6500.00} because there is a different payoff amount for consumers versus third-party buyers, in this case the XXXX dealership. However, there is not any notification or indication on the consumer website that there are different payoff quotes for a VW Credit customer and third-party buyer. The XXXX dealership and I have both made attempts over the last 2-3 weeks to contact and discuss the situation with Volkswagen Credit but have been able to reach someone who would discuss or resolve the situation. Neither the XXXX dealership or me are interested in paying the difference in payoff amounts and are working to undo the deal made over a month ago -- where I've already made payments to XXXX. Now, I am in the position to have to make multiple payments to VW Credit to avoid any negative reporting on my credit report. In addition, this third-party buyer payoff policy essentially prevents consumers from turning in a leased vehicle to anyone but a XXXX dealer -- which seems like it is an unfair practice.
Product: Debt or credit management

National Debt Relief provided misleading information about the fees they would collect. Starting on XX/XX/year> we paid {$690.00} twice a month until we cancelled the program on XX/XX/year>. We made XXXX payments in the amount of {$6200.00}. There was a monthly service charge that totaled {$39.00} ( over the life of the program ) which we knew about, there was a total of {$81.00} paid in legal fees which we knew about. The National Debt Relief negotiated XXXX account on our behalf and had paid the creditor {$45.00} ( XXXX months @ {$15.00} ) but collected settlement fees of {$5300.00}. We would like to file our complaint to recoup the settlement fees they collected prior to fully settling our account.
Product: Debt collection

I got a call from  ABR Recovering Services (  http :   XXXX  /  XXXX  Claim Number  XXXX  ) stating that I owed them {$2700.00} from a Tv that I took out i n   XXXX  . All  my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called  XXXX  customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE   XXXX    ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. ABR stated they can not give me more info just to make a payment which i have proof I paid it off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago I disputed a fraudulent XXXX XXXX Credit Card on my credit profile a long with sending in police report. Equifax claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against XXXX XXXX ( CFPB # XXXX ). XXXX XXXX sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with Equifax. They have not deleted that account from my credit profile.
Product: Debt collection

The leasing contract ended in XX/XX/year>, me and my family was came to the leasing office to signed the move-out and returned the keys. But none of the office staffs are told us to give 60 days notice before move-out ( it wasn't said in the renewal letter ). Until a month later I got so many phone calls, emails and mails by the leasing office and debt collectors said I owned amount of {$3000.00} ( that's 2 months rent supposed for 60 days of notice )
Product: Credit card

On XX/XX/2023 I place an order for a mobility chair with XXXX for {$42.00}. After ; waiting for quite a while, I finally received notice from USPS that my item was undeliverable and to come to the Post Office to pick it up. The reason they couldn't deliver it was because the sender did not include postage for it. When I got to the post office they showed me a small padded envelope that contained a box the size of an index card. I would have to pay {$5.00} postage if I wanted to take the package. Knowing it wasn't a mobility chair I declined and the PO didn't offer me anything to show that I declined the small package. On XX/XX/XXXX, I called Capital One to file a dispute on the purchase saying I had not received what I ordered. Capital One immediate gave me a temporary credit for {$42.00} on my Capital One card. On XX/XX/XXXX I received an electric correspondence from Capital One that they had requested further information on the transaction and I didn't respond. I did not receive a request for further information. Capital one then reapplied the charge of {$42.00}. I had to scan and digitize the info I had and send that back to them. I received an electronic notice from them that the information I had sent did not fulfill their requirements to receive a credit. I had made phone calls all through this to see what I needed to do. My problem is that Capital One advertises any problems with purchases they will work with me to get an answer. In the meantime, the only way to correspond to XXXX was through email and the last few attempts would not go through. Capital One said to contact the company for further assistance.
Product: Checking or savings account

Good afternoon,XX/XX/XXXX, based out of XXXX, WI XXXX XXXX. XXXX XXXX, XXXX, WI ), manages my Health Savings Account that is funded through payroll deductions from my employer. As of the date of this complaint, I have only received one welcome letter from the Bank, dated XX/XX/2020, regarding this account. I have not received any documentation ( i.e., disclosures or statements ) concerning my rights as an account ( deposit ) holder and, more importantly, I have not received my health care payment card or any alternate options to access the funds within this account so that I could pay for my pertinent out-of-pocket medical expenses. I have tried contacting the Bank as well as its affiliate, XXXX, to obtain a status of the health care payment card and have not received an appropriate response nor have I received the actual card as stated by the telephone representatives. I have called the Bank and its affiliate three times concerning this matter and, therefore, have exhausted my options. The last time I called the Bank, which then transferred me to a XXXX representative, was on XX/XX/2020. I would greatly appreciate a thorough response from the Bank and/or its affiliate regarding this matter so that I could perform and manage my pertinent healthcare expenses as intended.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
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 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 XXXXThese are all collections Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Student loan

Sallie Mae is now harassing me with calls about my payments that Im clearly struggling with
Product: Bank account or service

I went to a Wells Fargo ATM on Tuesday XXXX XXXX to deposit cash and a check into my account to cover expenses, after inputting my card and pin, the ATM said it was not taking deposits. 

I then traveled to another Wells Fargo branch and ATM only to have the same problem there. 

The next day ( XXXX ), same exact problem, at both branches ATM 's. The following day ( XXXX ) after work, I tried again, after dropping off my rent check which I knew would go through right away. This time I was able to deposit at the ATM, however, Wells Fargo still gave me overdraft fees on XXXX before they posted my check going through on XXXX even though I deposited it on XXXX. 

I called Wells Fargo and they would not discharge the fees because it was n't a bank error, and told me it was my responsibility to inform them if the ATM is not working and that they had no record of me attempting my deposits on XXXX or XXXX, only the deposit I finally made on XXXX, but that because my deposit would n't go through until XXXX, they would not waive my overdraft fees. 

I do n't understand how they would have no record of my first XXXX attempts over 2 days to make my deposit at XXXX different ATM machines when I had to input my pin at those machines, plus I know I am on camera standing there at the machines. 

Why is it my responsibility to inform them their ATM 's are n't working for 2 days when they are attached to the bank? 

Contacting customer service was absolutely no help since they claimed that they have no proof that I attempted to deposit or even visited these ATM 's on XXXX or XXXX - despite me mentioning that I am on camera at those ATM 's and they accepted my card and pin before telling me they could n't take a deposit. 

If I input my card and pin at those locations, and I 'm on camera, how is there no record of me being there? Also, this is not a bank error? And why am I suppose to inform them their ATM does n't work? 

Not to mention after I did make my deposit, they still charged me overdraft fees because they posted those first before my actual deposit.
Product: Debt collection

I request that you investigate this matter and, if appropriate, remove the disputed item from my credit report. The debt is not mine and i do not owe Jefferson Capital.

Please provide me with written confirmation of the outcome of your investigation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX.I request that my name be updated to reflect the correct information. 

2. Born : My birthday is on XX/XX/year> and the report has listed on 1968 I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my Social Security or passport displaying my correct name and Birthdate Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX. 
Thank you for your cooperation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

It is important to note, my loan officer company is   XXXX   XXXX   XXXX    XXXX  is a different firm managing my loan payments.
I have received in mid  XX/XX/XXXX  attached statement "  XXXX  '' from loan officer su.
In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is  XXXX .
In addition, in that statement, you can see actual payment on   XXXX   as accounted for and it clearly stated that i overpayed the year of  XXXX  and it included a check of  XXXX  $ made to me to pay for the surplus i paid.
I was preparing to make my  XXXX  payment as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until   XXXX   XXXX  etter attached which was received in XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to   XXXX    lat e  XXXX  to pay for   XXXX   and realized the issue and paid for both  XXXX  and  XXXX .
that day spent hours on   XXXX   XXXX  , i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to place a freeze on my credit reports. This was easily done with XXXX, I flubbed the verification question with XXXX  so they are sending me a verification code via the USPS, but Experian simply refused to let me submit the freeze online. 

On XX/XX/XXXX, I made multiple attempts to freeze my credit report with Experian. After entering basic data ( name, SSN, DOB, address ), Experian sent me to a page that said I had to mail in the information, along with a copy of my driver 's license and a utility bill or bank account statement. I was never asked verification questions, so it was not that I failed a part of the process, Experian is simply making it more difficult for me to get my credit report freeze. This certainly goes against the intent of the law, and may be illegal. This action is even more egregious given Experian 's historical failure at protecting credit data and continued access to my credit information. 

I request that Experian not be allowed to access my data going forward, and they should be fined for their malfeasance in blocking my attempt to freeze my credit report.
Product: Mortgage

This is not one specific incident, simply a frustration with a recent change to mortgage billing. I believe a law has recently been enacted that requires monthly billing statements rather than coupon booklets ; I presume the method behind that is to serve as a reminder for borrowers to make their payment, rather than being expected to submit payment on their own via coupon booklet without prompting. That, in and of itself, is ridiculous ... .the mortgage payment is due at the same time every month ... 
if you ca n't be responsible for making such an important payment, then a late charge or being reported to the credit bureaus, is simply a consequence that you 've earned. All of that aside- if monthly billing statements are necessary, why can they not be mailed out earlier in the month? Typically these statements are cut in the middle of the month, by the time I receive the billing statement, often I 've already mailed payment in. It 's frustrating, because losing the ability to use a coupon booklet limits the control you have on when payment can be mailed & what documents you have available to you before issuing payment.
Product: Credit card or prepaid card

On XX/XX/XXXX I reached out to the cc company to tell them my card had been inactivated. The lady on the phone told me that there was a credit from XXXX XXXX but no debit to apply the credit to so the card was inactivated for potential fraud. I was then told to email my receipts for the credit and debit to an email address. This was a recent tool rental and return so the receipts were easily available. I scanned and emailed the receipts to the email on XX/XX/XXXX. I was told to give them 4-6 business days. The lady I spoke with did not speak clear XXXX, which brings me to the next call. On XX/XX/XXXX I called again due to my card not being active so that I could check the status. I was told on that day that they did not show that they had received my documents. The man I was speaking with gave me the email address again, which was different than the original email I was given. I sent the second email on XX/XX/XXXX and was told to give them another 4-6 business days. I called on XX/XX/XXXX to verify they received my documents and to give them 4-6 business days to process. On XX/XX/XXXX my card was still not reactivated. I sent a threatening email and also called them. I was told the documents had been received on XX/XX/XXXX and that they would contact the " back office '' to expedite my card being reinstated. On XX/XX/XXXX, I called again due to the fact that my card still was not activated. The man I spoke with told me he had gotten a supervisor involved and an email would be sent demanding the reactivation. He asked me to give them 48 hours and my card would be good to go. Today is XX/XX/XXXX. My card is still not activated. I just called and was hung up on. I called a second time to be told that I needed to wait another 4-6 days. When I began to get irritated, the lady told me that there was nothing else that she could do and when the " back office '' gets it reactivated, that they will contact me to let me know. Meanwhile, it has been a month since my initial call. My stimulus money direct deposited on this account is unavailable for me to use, and I can't get anyone to help be get it.
Product: Payday loan, title loan, personal loan, or advance loan

They canceled my no interest promotion because they claim I went 10 days past due on my account, which is not true. I never went 10 days past due. I even spoke to a rep herself that sent in a request to get my promotion reinstated because she said she could not find where I was late more than 10 days. I was also told by the store rep at the store when we took out the loan that the interest would begin after the 12 months if it was not paid in time. Not that it was going to be added from the first day of purchase. I shouldve owed XXXX dollars and they added almost XXXX dollars of interest to my account and refuse to assist in getting that reversed for their error.
Product: Debt collection

In XXXX  I had perfect credit I then went to XXXX XXXX XXXX XXXX XXXX I met a girl who was a XXXX XXXX  she told me that she could get me released early so I gave her my information and she begin to use my information inappropriately she opened an account with US Bank, and XXXX XXXX  when I was released I filed a police report. I sent it to all the bureaus and ever since my credit has been restricting me to uncomfortable living conditions as a result of some inaccurate information there is over 57 addresses on this report a clear indication that something is incorrect when I have been at only three locations my entire life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account is closed and is reporting incorrectly. 

For that reason, it should be removed immediately. 

I have tried to get this account removed because it is Closed. It isreporting incorrectly across all credit reporting agencies. This violates the credit protection act and calls for removal right away. 

Reporting Balanced Updated XXXX XXXXXXXX, XXXX on XXXX & XXXX XXXX Then reporting Balance update XX/XX/XXXX on Equifax.
Product: Mortgage

Ok, back in XXXX quicken Loans made a mistake and raised my escrow taxes from XXXX to XXXX. they added an extra zero. they raised my monthly payment to XXXX instead of my regular payment of XXXX they wont admit their mistake. they finally changed my payment back to normal for XX/XX/XXXX. they still want me to pay the XXXX for XX/XX/XXXX and XX/XX/XXXX. I cant afford to do this. I did nothing to cause this. I made my regular payments for these two months not late! they have added late fees and damaged my credit. I have contacted them several times with no success. this was totally their fault and I am getting blamed. I was always on time with my payments and had perfect credit .I cant believe what they are doing after they made the mistake. I need help and would like your advise on how to start legal action against them. Thank you XXXX