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

I purchased a XXXX blender with my Best Buy Credit card on X/XX/17. In the following statement I started receiving charges for payment protection for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX while I had not signed up for payment protection.

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I was charged the following : XX/XX/XXXX : {$1.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00}
Product: Debt collection

The company is Security Finance in XXXX XXXX GA. When people such as my sister takes out a loan with them ; they are constantly calling the listed references ; especially if the reference is a relative to leave messages. 

My sister do not live with me and have ask them to stop calling my number constantly to leave messages regarding her debt. 

However, the calls are continuing and aggravating. 

Thank you.
Product: Mortgage

SHELLPOINT XXXX XXXX previously known as XXXX XXXX XXXX XXXX has requested proof of insurance multiple times. I have responded each time they sent me a request. And I have uploaded the actual policy in PDF format at least twice. In spite of my efforts, the company, on their own, purchased a policy on my behalf and have added {$330.00} each month to my mortgage bill. It was {$400.00} total previously. This unilateral, draconian action has raised my mortgage payment to {$740.00}, which I am struggling to pay.
Product: Bank account or service

When my mother passed away a few years ago, my brother and I needed to establish a trustee account in order to pay lingering bills. We did so with Wells Fargo, who, in view of the fact that my brother and I barely speak and have no trust in one another, the bank recommended a " joint/and '' account, which would require both signatures in order to write checks, move funds, etc. The bank required copies of Mom 's will/trust account etc for verification that all funds were to be distributed equally, with which they were provided. 
I have recently discovered that my brother was able to cash out and close this account, without my knowledge, consent or signature, for the full value of the remaining funds! 
The bank has stated that this account " did not need to be monitored '' ... and that they take no responsibility. 
What is the purpose of this account if it is not monitored? Why was my brother allowed to effectively steal the money? 
I work in retail ... if we sell a product that does not work as stated, we offer a refund. This account, which was suggested for both of ours ' protection, clearly " did not work ''! The bank XXXX, I am at a loss, and they tell me to " get a lawyer '' and sue my brother! 
In my eyes, the bank is at fault, and owes me half of the money but they refuse to compensate me for their misconduct. HELP!!
Product: Student loan

My XXXX has not been received in the mail and does not appear to be available online either. I need this document to complete my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.
Product: Debt collection

When first encountered by XXXX they said I was a cosigner. Now they have put this account on my credit report stating i am the owner of said product and I owe them over XXXX dollars. tried today XX/XX/18 to speak to someone at XXXX and was placed on hold for over an hour. Placed a call to Perfection Collection only a voicemail. All i wanted to know was the date I purchased this item and what location it was mailed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE INQUIRIES FROM THE FOLLOWING CREDITORS 1XXXX 2.XXXX XXXX  3XXXX XXXX 4.XXXX XXXX 5.XXXX  XXXX 7XXXX XXXX 8.XXXX  9.XXXX/XXXX  10.XXXX 11.XXXX XXXX 12.XXXX  DBA XXXX  13.XXXX XXXX XXXX  14.XXXX 15XXXX XXXX  XXXX 16.XXXX XXXX 17XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit reporting or other personal consumer reports

Hello, good afternoon, I don't know why, for some reason, Southwest Credit System did a report on my credit. According to it, it is a t mobile account. I have never had a cok t mobile account. I contacted them and they confirmed that I have never had an account with them. They, I don't know where you got that information from, I also called the agency and there is no information about me in their records, I would like to know how without having proof you report credits like that, I need you to remove that as quickly as possible
Product: Debt collection

on XX/XX/XXXX i contacted tye Enhanced Recovery Corporation and gave them the information to my bank account to clear my debt with them. on XX/XX/XXXX I contacted the company again to verify the payment had been made. i was informed that the payment had gone through and the debt was satisfied. on XX/XX/XXXX I was contacted by them again and told that the account had come back with non sufficient funds. 22 days after being told the payment had cleared. i then contacted them again on XX/XX/XXXX and had a manager yell at me and tell me that the account used was fraudulent. this was almost a month after being informed that tye payment had been processed and the debt was cleared.
Product: Mortgage

My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website, and they also charge me late fees after only a couple days from the XXXX of the month. So, I went from always being current on my mortgage to always being late and charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being sold to a different servicer that implements such terms. This is creating unnecessary financial hardship for me as I have two mortgages that were sold to this servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL RECOVERY AGEN Original creditor : XXXX XXXX XXXX {$250.00} NATIONAL RECOVERY AGEN Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

This is my second attempt disputing Kikoffs inaccurate reporting. The CFPB allowed Kikoff to respond, yet they provided no actual proof validating the debt. They merely sent generic agreement terms, but nothing connecting me personally to a valid, enforceable obligation. There is no signed contract, no original loan agreement, and no verified record of the alleged charge-off. Under the FCRA, a furnisher must provide real, verifiable proofnot assumptions. If they can not provide it, they must remove it. The burden of proof is on them, and so far, theyve failed. I am requesting immediate deletion of this account from my credit report.
Product: Mortgage

Starting in approx XXXX/XXXX  XXXX, my tenant occupied condo property that I own and is located at XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NJ XXXX was put on a forbearance plan with XXXX  / Loancare mortgage company due to my tenants nonpayment of rent. To date, the tenant owes me over {$300000.00} in 1 ) missing rent, 2 ) property damage to the unit including theft of property and vandalism, and 3 ) other damage as a result of tenants breach of lease agreement. 

I have timely requested forbearance extensions for each phase and until now I have been granted these extensions. Ive spoken to XXXX / Loancare multiple times over the past several weeks in XXXX/XXXX  as my current forbearance was coming to an end and I am in need of an additional extension as the tenant continues to occupy my property without payment, and the NJ XXXX County courts have continued to allow tenant to do so without enforcing an eviction and order of removal I was awarded against the tenant.

I need 1 ) for my mortgage to remain on forbearance and 2 ) to have my mortgage amount reduced given the financial losses Ive been forced to suffer due to Covid and the extended eviction moratorium that has, and continues to, allow my unruly tenants to destroy the value of my property.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX 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 seven 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.
Product: Credit card or prepaid card

I went to a restaurant with a big group and my credit card got charged twice. Once for {$20.00}, which was the correct amount, and once for {$150.00}, which was definitely a wrong charge. I talked to the restaurant manager, and they said they had no record of the {$150.00} charge and to dispute it with my credit card company, which is Chase. Chase reassured me that they would take care of the fraudulent charge, but they ended up charging me for it. When I questioned Chase about why they did not take care of the fraudulent charge, they said it was because the card was scanned in person. I told them that's because I was at the restaurant like I told them with the card, but the {$150.00} charge was not mine, so the waiter must have used it for an UNAUTHORIZED transaction. Chase insisted they would not cover any fraudulent charges from a merchant that I have used before, which makes no sense. So basically if I used a merchant like XXXX a XXXX times with my credit card, but a fraudulent charge went through on XXXX then they wouldn't cover it?! They said they did not obtain a signed copy of the receipt for the {$150.00}, which if they did, it would clearly show it was NOT my signature that authorized it. I even submitted to Chase a copy of my correct receipt showing the {$20.00} charge and e-mail correspondence from the restaurant, but Chase still did not take care of the fraudulent charge.
Product: Credit card or prepaid card

Synchrony Bank Over the past 10-12 mos, Synchrony Bank has made it impossible to login to my account to access and make payments. I login, then it logs me out. Then the chat assistant pops up in an attempt to help me. After I have made 9-10 steps sometimes I can get in and most of the time I can't. I think this an attempt to charge additional fees and to ruin my credit if I allow this to happen. Which I won't. Please help me in getting restitution and to make Synchrony follow the preset guidelines to let consumers access their online account information with out speaking to someone in another country that has no clue what I am talking about on the phone. There is no reason I should not be able to speak with a live agent and have them work out the delima they have created. 

I need this fixed. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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
Product: Debt collection

XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) is attempting to collect a debt ( {$1300.00} ) that is allegedly past due since XX/XX/XXXX. The account was allegedly opened since XX/XX/XXXX, which is not true. They claim to have bought the debt from Synchrony, Paypal, ( XX/XX/XXXX ) and are attempting to collect on a debt that is over 10 years old. This is illegal in CA and they still report this to the credit bureaus. XXXX has been ignoring my request to remove this old debt that is past the statute of limitations in CA. XXXX XXXX can not provide adequate evidence that this debt bought from Synchrony is not older than 7 years. XXXX does not report this collections mark on my credit profile, while XXXX and XXXX does.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX made a hard inquiry at XXXX  on XX/XX/2020. I did not authorize this, as I did not apply for any sort of financing with them. It appears that this hard inquiry happened after I sought pre-qualification through lendigtree.com. My understanding was that pre-qualifying for an auto loan does not involve a hard inquiry.
Product: Checking or savings account

On XX/XX/2023, I opened a Business Checking account with American Express. As a new customer, the checking account comes with a welcome bonus of 60,000 points after completing 10 qualifying transactions, making a deposit of {$5000.00} within 20 days and maintaining that balance for 60 days. I initiated a transfer of {$5000.00} on XX/XX/2023 ( Day XXXX ). The transfer was supposed to hit my American Express account on XX/XX/2023 ( Day XXXX ). However, due to the XXXX XXXX, American Express didn't apply this deposit to my account until today, XX/XX/2023, which disqualified me from receiving the bonus. I chatted with an agent who confirmed this situation. Amex DID receive the deposit on the XXXX but DID NOT apply it to my account until the next day due to the holiday. I found it unfair to disqualify my account from receiving the bonus due to internal banking procedures I'm not responsible about.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the Equifax leak, have tried to put freezes on all my credit checks with the three agencies ( I will not go into how ridiculous this all is and how it is inconceivable that this happened, and they waited so long to let us know, and I had to wait until today to sign up with Equifax and have to wait an unspecified amount of time for an email to come from Equifax to finish the process with them. ) Went to XXXX site from a search engine, ( Security Freeze - XXXX ). The link ( XXXX XXXX XXXX ) gives an unavailable message and photo. Hopefully I will be able to attach a screenshot. 

This one, for one of their products XXXX and with a bunch of caveats, works. ( XXXX XXXX XXXX ) I find all of this unacceptable and a disservice to the American people who rely, unfortunately and without any permission or acknowledgment, on these services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax, XXXX and XXXX from in XX/XX/XXXX regarding the incorrect credit hard inquires that are fraudulent/errors/ and are not me. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX ( XXXX  ) XX/XX/XXXX Please help me have them deleted/removed from my credit report.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX XXXX  sent me a Bill allegedly for XXXX XXXX received at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Specifically, medical service allegedly provided by XXXX XXXX, XXXX  at the Emergency Room of such Hospital. However, I rebutted this alleged medical service billed based on the fact that I did not authorized any type of medical service at this XXXX XXXX XXXX XXXX XXXX. I mailed certified letter requesting Cease and Desist along with reference documents regarding complaint filed against this doctor XXXX to the Texas XXXX XXXX. 
I received in return, attached a Billing Summary from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA- which it is the official billing system of XXXX XXXX XXXX XXXX in XXXX and in XXXX XXXX, Tx ; this Summary showed {$0.00} BALANCE as of XX/XX/XXXX regarding allegedly outstanding balance from XXXX XXXX MD. 
Now, XXXX XXXX XXXX XXXX disregarded this fact, and SOLD this CLOSED XXXX to this Collection Agency lead by XXXX company that I just received on XX/XX/XXXX. It is not acceptable that I had to deal over and over with the same alleged issued when it is been already addressed with XXXX XXXX XXXX XXXX in the first place. I respectfully request from this office to please contact this MBA-LAW office to once again state my rightful answer of CEASE AND DESIST regarding this matter. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Product: Credit card or prepaid card

Hello. I made a payment in full to XXXX credit card {$92.00} onXX/XX/XXXX. Payment was due on XX/XX/XXXXtherefore I was charged a late fee of {$29.00}. I spoke to a representative when the next statement came in and they said they can waive the late fee as a one time courtesy since Ive never had any late payment and my account was in good standing. Then I received another statement with {$29.00} late fee plus {$2.00} in interest. I called again and they said the billing cycle had already generated and to ignore it because my actual balance was XXXX. Not knowing I had a balance, the next month went up an additional {$33.00} in late fees, making the total {$64.00}. Then an extra {$40.00} in late fees was tacked on with a total of {$100.00} due XX/XX/XXXX I reached out months ago and they told me it was an error and I didnt have to make a payment. I confirmed my account was XXXX out and the representative staters the error was made by the creditor and not to worry as it was cleared up on their part. Then a couple weeks later I was hit with a 30 day late on my credit. I was never 30 days late. I disputed the error and they denied it. Damaging my credit very badly. I pleaded with them to fix their error as I am in no position to have my credit damaged so severely and they ignored my requests. I tried several times after and they still will not take accountability for their mistakes.
Product: Mortgage

In XXXX of 2023 my daughter and son in law applied for a loan assumption through XXXXXXXX XXXX. After 4 months of run around they sold the loan to Chase. At the end of XXXX they were notified by chase that they are sorry for the troubles, to send them the info and they would do their best to expedite the proces. Each month there is a different delay tactic. Re send something that they already recited ( we have proof they received it and still resent to comply ) each month we are told its at underwriting which will take XXXX days. Each month they ask for something else ( something theyve received or something minute ) its immediately sent, to be told another XXXX days in underwriting. We will be at the XXXX  month mark ( supposedly the max time ) in XXXX weeks and yet weve been told its another XXXX days. Very call to them is predictable. A wrote speech. Escalate to escalation team who says Im sorry, we cant escalate regardless of circumstance or hardship. We are saddened and frustrated.
Product: Credit reporting or other personal consumer reports

I'm writing to formally file a complaint regarding a late payment reported on my credit report by NetCredit. I believe this reporting was unfair, as I was not properly informed about the status of my account and took immediate steps to address the issue upon realization. In XX/XX/year>, my account with NetCredit was nearing 30 days past due. However, I did not receive proper communication or notification regarding the overdue status I spoke to a representative about my account and told the representative that I was unemployed. I setup a payment arrangement but not once was I told that by setting up this arrangement would put me 30 days behind. Once I became aware of the issue, I contacted NetCredit and promptly set up a payment arrangement to resolve the matter. Despite this, the late payment was still reported to the credit bureaus, negatively impacting my credit score. 

I respectfully request your assistance in investigating this matter, as I believe NetCredit failed to meet their obligation to provide adequate notification before reporting the late payment. Additionally, considering that I acted in good faith by establishing a payment arrangement, I feel the late payment should not have been reported.