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

I want to file a complaint against Equifax for allowing hackers to steal my data. The CFPB better be investigating them!
Product: Credit card or prepaid card

On XX/XX/2021 I placed an order with my American Express card at XXXX in the amount of {$290.00}. After waiting for two weeks and not receiving my order, I reached out to the merchant and informed them that I hadn't received my order. They checked the tracking number and told me that the order had already been delivered. After conducting an investigation they concluded that the order had been delivered and they could no longer help me. 
I then reached out to my credit card issuer American Express and they told me they would conduct an investigation on my behalf. After reviewing the tracking number, they concluded that the merchant and delivered the order and rebilled me. I contacted American Express and they asked me to provide documentation that the order hadn't been delivered. I asked them what type of documentation I could provide for a lack of delivery and they couldn't tell me.
Product: Debt collection

I have been Trying to resolve amounts owed to Wakefield and Associates. I have valid back dated insurance and they will not run it for all Accounts, despite being they would and providing documents requested. They have refused to give me names and addresses of previous creditors stating it was illegal. They have tried to get me to pay interest on bills paid retroactively. After explaining to them the law, they said they would agree To wave interest, when I had to goto the companies direct because they refused to run my post dated insurance. I have been made fun of, and they are still holding up one account for nearly XXXX. And are requesting additional documentation for running The insurance while giving many different stories about what is required. I am currently trying to go directly to the original debtor because they are being so difficult, and deceptive.
Product: Mortgage

Intercontinental Capital Group has repeatedly sent me letters threaten to take my mortgage away from the original lender to give me a cash out refinance that I do not want or ask for. 

They continue to send me misleading claiming they represent VA in refinancing and taken away mortgages from the original lender. I have called and asked that they remove my name and mailing address from their database, and for the past three years they continue to perpetrate a fraud in trying a switch and bait tactics. 

I do not want them contacting me or send letters in private evelopes with deceptive descriptions on the outside claiming to be coming from my mortgage lender and VA.
Product: Debt collection

Calling before XXXX and after XXXX. I have asked them to stop calling before XXXX but each rep will just this is an attempt to collect a debt. They will call me 4 times a day or more back to back every 2 hours. I spoke with a rep last Friday on XX/XX/2022 @ XXXX. And told her the vehicle has been traded to a dealership and they have to wait for a check from the dealership. It was a brush like okay well we are still going to call you. Today XX/XX/2022 Kia Finance has call 4 times or more every two hours this is nonsense and its harassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Credit Inquiries 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 Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit card

On XX/XX/year>, the Concora credit company ( Milestone Credit Card ) charged me twice for my payment of the full balance of my credit card. I submitted a payment to pay off the balance of my credit card and they charged me twice for the full payment of my balance. I contacted the credit card company and requested that they refund me the overpayment as my credit account was showing a negative balance of XXXX dollars. The company informed me that they could process the refund, but that it would take 45 days for me to get the money back. I requested that they send me information on how to submit a written request for a refund as they are legally obligation to refund money from a written request within 7 days. They did not provide me with this information and there is no option on my online account with them to submit a written request. I asked again how they could take 45 days to refund me money when they are able to take payments on my card within XXXX days, they said no matter what it will take 45 days. I ended up disputing the transaction with my bank becuase XXXX refused to provide me with information as to why the refund would take so long or how could get the money faster. I believe they are attempting to earn interest on overpayments that consumers are making on credit cards and not obliging by the laws of refunds for overpayments as there is no option to submit a formal written request.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 the loan balance on my Nationstar mortgage account is incorrect and not reflected correctly in any of the credit bureaus, XXXX, XXXX or XXXX.
Product: Debt collection

I keep receiving calls from different numbers. They will only tell me their first name and will not tell me the company they work for unless I verify who I am. I looked up one of the numbers on line and it leads to Sunrise Credit Services, Sunrise Credit Services , Inc. 
Address : XXXX, NY XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that maybe use as proof in a court of law, for you to remove inaccurate information in my report due to identity theft. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.
Product: Student loan

In XX/XX/XXXX, I enrolled in XXXX, drawn by assurances of job placement support, a six-month loan repayment grace period, and a refund guarantee of tuition plus {$2100.00} if I did not secure a job within a year. To qualify for the refund, I was required to apply for XXXX jobs weekly, make five XXXX commits per week, and document outreach to each employer. 

Post-graduation, issues arose. In XX/XX/XXXX, shortly after graduating, XXXX prematurely requested documentation on job applications and XXXX activity, even though I had not yet accumulated sufficient data. Additionally, Ascent Funding ( XXXX ) demanded loan repayments before the six-month grace period had expired. I initially believed this was due to incomplete form submission, but Ascent confirmed that the repayment demand was independent of XXXX form. 

During my time at XXXX, I did not receive the promised one-on-one academic support. My capstone project, advertised as a " real-world group project, '' was a disorganized XXXX repository with no team collaboration. Despite assurances, XXXX provided minimal job placement support, with few job leads that were unsuitable. I received some resume help but was discouraged by the overall lack of support. 

Furthermore, XXXX website initially claimed an 86 % job placement rate, but this statistic was later updated to only reference XXXX data, raising concerns of misleading advertising. 

As of now, I have not secured a job and am burdened with over {$20000.00} in student loans. The lack of support from XXXX and Ascents premature repayment demands have caused significant financial and emotional distress.
Product: Vehicle loan or lease

I've never paid my payment since I have a car in XXXX. I purchased a car by XXXX last year and my auto loan is with Hyundai motor finance. 
I paid {$2100.00} and {$2900.00} of extra car payments by online ( www.hmfusa.com ) on XX/XX/XXXX for PRINCIPALS ONLY. I called Hyundai Motor Finance CS so they can applied to a principal only since HMF don't have an option for principal only.

I checked my account and they still charged an interest. I called back. Manager told me that he will fix it. HMF applied no interest only for {$2100.00}. But {$2900.00} was not even applied to my account. {$2900.00} was in the air.

I called back. now HMF just applied {$2900.00} to my account WITH an interest and {$2100.00} was in the air. I had to call back so many times with this issue because it kept happening ( HMF even charged me last fees 4 times even though I NEVER paid payments last ). Finally, I requested to get a refund of {$2900.00} because HMF did NOT applied to my account. {$2100.00} STILL charged an interest even though a manager stated that they automatically don't charge an interest for more than {$2000.00}. I just gave up the interest that HMF already charged me once HMF APPLIED the amount to my ACCOUNT. That is all I wanted. JUST APPLY THE AMOUNT THAT I PAID TO MY ACCOUNT!!! 
I thought the issue got resolved so I paid {$250.00} for an extra payment for principal only on XX/XX/XXXX. I called Hyundai motor finance CS ( XXXX ) to request {$250.00} for principal only. they messed up AGAIN. NOW, they DID NOT applied to my account " '' {$2100.00} '' '' and " {$250.00} ''. My account remaining balance went back up to back in MAY and it is showing I owe {$1000.00} as of XX/XX/XXXX. My payment of {$2100.00} and {$250.00} are not on my account even though HMF withdrew them from my bank account.

I called HMF CS more than 15 times to resolve this issue for last 3 month. Please help me!!!
Product: Payday loan, title loan, personal loan, or advance loan

Charged for services or products that I wasnt aware of.This loan is paid off. Interested in joining the class action lawsuit.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  Company- XXXX XXXX XXXX XXXXXX/XX/year> Company- XXXX XXXX According to 15 U.S. Code 1602 ( p ) these companies are in violation of unauthorized use of my credit for I received no benefit due to no accounts being opened.
Product: Debt collection

I noticed a fraudulent activity on my credit report. There was a charge of {$490.00} for some drinking water delivery services for a company based in XXXX. The company in question is XXXX XXXX XXXX XXXX who indicated they provided these services to me but I have never hired their services nor had I ever got a delivery service. We have always purchased our drinking water at XXXX. I spoke with the collection agency " Collection Bureau of America '' because they are now trying to collect this fraudulent account. I never hired this service and it is clearly a fraudulent account that I want it removed from my credit report.
Product: Mortgage

I have been speaking with XXXX XXXX, Loan Originator NMLS ID # XXXX, with AmeriSave Mortgage Corporation NMLS ID # XXXX. 

On Tuesday, XX/XX/2020, XXXX offered me a refinance loan at a rate of 3.375 % to which I agreed. He coerced me into paying a {$500.00} application fee before we could move forward with the process. I reluctantly agreed and upon receipt of the disclosures and information, I realized my interest rate was floating, not locked. I asked him to lock my rate, but he refused, stating it was in my best interest to leave it floating, as the rates could go down. I told him that the rates could also go up so I wanted the rate locked. He again refused. 

After consulting with a couple of other banks, I was told that the rate he quoted me was not possible without paying 1 or 2 points, which he told me I did not have to pay. 

I have not had an appraisal or any other item for which this bank has had to pay, other than a credit check. This fee was to simply keep me from shopping around, after I was given an empty promise. 

I lost a night of sleep worrying about going through this process, just to end up with a rate that is not better than the current rate on my home plus adding {$2000.00} - {$3000.00} in costs to my loan. XXXX promised me a rate, forced me to pay an application fee to proceed and then could not lock the rate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. 

Your agency is in violation! 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once!
Product: Credit card or prepaid card

I have a Credit Card with Indigo ( Genesis FS Card Service ). I had to call them when my card was expired in XX/XX/XXXX. It took them over 3 months to get me a new card. When I told them that I still didnt receive it, there was unauthorized charges on the old card. I still paid the balance in full until the investigation was done. I was told that they were going to remove the late fee and refund my money. When I spoke to a customer service rep XXXX on XX/XX/XXXX @ XXXX, she said that she wasnt aware. I later received another card in the mail and was still not able to use it. This Company is still reporting that I owe money on a previous card. Ive always paid my balances in full. Indigo Company is fraudulent and my significant other is having the same issues.
Product: Debt collection

Credit Corp Solutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adept collector may not communicate with a consumer in connection with the collection of any debt. 15 usc 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) no state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or XXXX  that indicates the debt collector is in the business or that the communication relates to the collection of adebt ;
Product: Mortgage

We submitted an application for a loan modification to Wells Fargo. They denied it because they would not allow statements from the borrowers XXXX XXXX  account by XXXX XXXX to be used as a source of verification of rental income the borrower receives from her daughter. The borrower does not have a traditional bank account. She uses a XXXX XXXX card and a XXXX XXXX XXXX  card to handle her financial transactions. Cash app is similar to the XXXX XXXX offered by Wells Fargo that allows a person to instantly send and receive money from one person to the other without the need of a wire transfer. Wells Fargo would not tell us why the funds couldn't be used in spite of the fact we provided statements from the borrowers XXXX XXXX. account showing receipt of funds from the daughter.
Product: Credit card

On XXXX, I requested a refund check for an overpayment from American Express. I was told it would take 7-10 days to get to me, which was acceptable. On XXXX, I still did not have my check and it was outside of the timeframe I was promised, so I called American Express directly to inquire. The representative I spoke with was very helpful and courteous and offered to have a new check overnighted to my address, but we both decided against that as he thought I might still get the check in the next 2 days. XXXX rolls around with no check in the mail, so I call and ask for a new one to be overnighted. I was told that could not happen and it would be mailed, with the same 7-10 day turnaround time. That was not acceptable to me, so I escalated the call to a supervisor, who told me he would get it overnighted, to be received on XXXX, XXXX rolls around and still no new check! I have the old XXXX now, of course, but that was cancelled so it does nothing for me. I am at a loss of words now because I need this money to pay my other bills, but American Express is not doing anything to help me! This is my money, all I want is to get the money that is owed to me!
Product: Credit reporting or other personal consumer reports

have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX XXXX. {$22000.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some accounts on my credit report in XXXX. My social security number was breached and used by someone. Several months after this report, my husband and I decided to purchase a new home build. When we started the loan process we were told I still had accounts in dispute. This was more than 60 days after I requested the disputes. So, not only did Transunion not remove the disputes, they didn't do them in the 30-45 day window. In XXXX of XXXX my husband and I at the direction and help of our lender began requesting all disputes be removed from our report so we could close on our home in late XX/XX/XXXX. All other credit reporting agencies removed the disputed except Transunion. We have attempted almost every day to contact them via email, social media and by phone. We have received no word that they have removed the disputes. Aren't there federal laws guiding this kind of behavior?!! We are now 2 weeks past closing on our newly built home, and 100 % because Transunion has STILL failed to remove the disputes!! The state of the country today is NOT an excuse!! You have gone far over the allotted time as well as failed to follow through on the proper requests!!! Get the disputes off my record!! Do it now!!! My husband and I are XXXX  and don't have time to fight with this XXXX everyday! Do your job!
Product: Credit reporting, credit repair services, or other personal consumer reports

Never applied with mortgage with this company or company for that matter.I have requested for this to be removed for over 9 months and nothing has been done.I do not have a Mortage nor did I apply for Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has yet to respond to my dispute and contact the companies regarding info. Equifax and XXXX is also reporting my student loans incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary XXXX has applied a fee of {$300.00} to my account, improperly o The fee is improper because I was never notified or informed about the existence of this fee until after it was applied o To the best of my knowledge, I did not consent or otherwise agree to this fee when placing an order for services by XXXX Efforts to dispute the fee directly with XXXX did not resolve the situation Although I paid the bill for services I agreed to receive, I did not pay the outstanding balance pertaining to the disputed amount Despite my dispute efforts, XXXX sent the unpaid balance to collection and reported a negative credit report to all three national credit bureaus The negative credit item caused my credit score to drop by 145 points, and resulted in a denial of credit by a financial services company I furnished all of the information to the credit bureau, as evidence of an ongoing dispute. The bureau has not removed the negative information from the credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 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 Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I would like for the inquiry below to be deleted from my credit reported.
Product: Payday loan

I called the company on XXXX/XXXX/16 to request that all ACH transactions be stopped due to a problem with my bank account. I was told it was stopped and nothing would be debited. I sent in a money order as my p/ayment as instructed as an option to pay. I called a 2nd time on However, my account was still debited and I 'm being told there 's nothing they can do.
Product: Debt collection

This is illegal and should not be reporting on my credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX