23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've had this credit card for over 35 years and it's been sold around a lot. The current interest rate I have ( grandfathered in ) is 14 %, which makes it attractive for me to keep and for the company that owns it not attractive. 

When it was most recently purchased by 1st Horizon Bank, I asked how to make online payments. I was told to open a checking account with the bank which is based in TN. I did not wish to do so, so have been using the pay-by-phone feature, which frankly seems rather XXXX century, but whatever. 

Now, more recently they have updated their payment terms / system and when I call in I receive a 'we can not make a payment on this account, please wait while we transfer you ' and then the call hangs up. Additionally, I think if you choose to pay over the phone with a representative, they charge a fee, which - no way. 

so am I left to only pay via paper check and mail? 

I get the sense that this company wants me and my 14 % interest rate card to take my business elsewhere. I, on the other hand, would like to continue to use this card to my benefit. But I do need to find a way of making payments somehow. And not have the. phone system randomly hang up on me or refuse to take my money. 

when I called a 4th time just now, it said today is not a day where customer services reps are available. Great. Fun.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have provided documentation that I do not owe the balance outstanding that is impacting my credit score and I have not gotten a response and the account has not been corrected on my credit report.
Product: Debt collection

Midland Credit Management sent a pre legal notice in the mail. I called to settle my debt, but Midland refused to send any information without me providing my checking account information. I was very concerned with this request so went to there website I was able to set up an account, but not able to submit a payment online. I then called XXXX directly to confirm my debt was sold to Midland Credit Management, XXXX did sell my debt to Midland. I then decided to provide my checking account information with the understanding that I would receive a letter confirming payment will be taken out on XX/XX/19. The payment was pulled from my account on XX/XX/19, when I called requesting confirmation of payment Midland refused then proceeded to tell me to call back and maybe they would be able to help. 

I am more than willing to pay the debt I owe, I'm just very concerned I have been scammed. I dealt with other collection companies in the past and have never had any issues.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, declare that my identity has been stolen and used to open various fraudulent accounts without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my Experian consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.The following accounts were opened in my name. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the fraudulent accounts and hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity The Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I sold an amplifier via Paypal for {$1600.00} to a customer XXXX XXXX in XXXX via transaction # XXXX. PayPal kept the money of {$1500.00} MrXXXX XXXX wanted me to ship the item to XXXX. I spent {$150.00} to the ship the item sent the customer the tracking number and asked PayPal to release the money. 

I called Paypal when they told me that it would take 60 days top release the money and I had no seller protection because the customer made me ship the item to an address that is not on his PayPal account and they told me that I should reverse the shipment which I did. 

Now Pypal is charging me {$70.00} for the difference in the commission they have already taken for a transaction that has been reversed. 

I have lost nearly {$300.00} on a Pypal transaction I am tired of dealing with PayPal call centers in XXXX which is a criminal waste of time where people earning XXXX cents an hour waste peoples time in USA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second dispute pertaining to XXXXXXXX they have fraudulently verified late payments, XX/XX/2022 letter sent from XXXX states no delinquent payments but you still report to credit bureau as 30 days late and now 60 days late in one month XXXX has been verifying fraudulent payments, I never made, if such payments were made why has the balance never decreased according to their records on a closed account and fraudulently re-aged a closed account. 
Under 15 U.S. Code 1681n as a result of the failure XXXX owes damages of XXXX dollars per violation. 
These violation were confirmed by XXXX to the credit bureaus, myself and to the CFPB. YOUR verified company response dates are the following dates XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Remove fraudulent inquiry 's from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute several accounts listed on my credit report, which I believe to be fraudulent. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or fraudulent information 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  and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a fraudulent bankruptcy record on my consumer file despite the court order attached confirming that the record is fraudulent and expunged
Product: Consumer Loan

I have been having issues with paying the full payment each month to One Main Finacial. I have tried talking the ladies at the local office and letting them know that even though I am paying less than the normal payme I am paying something at least once a month. I receive harassing phone calls from them on a daily basis pressuring me to pay more that I can not afford to and now thy are calling not only me but my place of employment and my co borrower and his place of employment. I have asked them several times to stop since I am paying something on the loan each month and it continues everyday sometimes XXXX times a day. I am afraid they are going to cause me to loose my job then none of my bills will get paid.
Product: Debt collection

I had a XXXX  loan more than 10 years, I have been paid that XXXX  loan, every time a debt collector called requesting money from me, they said that They brought my debt to the original creditor but they never can provide me with the original contract. Recently I received a letter on XX/XX/2022 R & R Soulutions INC states that I owed them {$1300.00} Before I received this letter R & R Solutions INC has been calling me several times a day, they called my mother, my sister, my brother asking them to pay my debt if not they are going to sue me. 
I send them a letter on XXXX XXXX to let them know that : I dont owe them unless they can prove to me the original contract loan with date and my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX is fraudulent please have these hard inquires taken off I don't know why or how this was done but it is not me and it is not right. I don't even know what XXXX is i have called those numbers and they refuse to help and chase is totally incompetent in rectifying this situation
Product: Money transfers

We are dealing with XXXX companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX Banks XXXX Contacted by XXXX XXXX. back in XXXX 2015 to resell our timeshare which we checked on with XXXX State of XXXX. XXXX a nd XXXX XXXX in XXXX Both companies checked out? Well after signing sales documents numerous times and us wiring {$39.00} to escrow we now believe we have been scammed? Have a full file with all contracts and wire reciepts ect ... that can be furnished. Still they want more money after giving us written noice that we need to send no more money! Am still able to contact these people and have told them that we want to void this contract and want our money back as claimed in contract. Have filed reports with XXXX. and XXXX. XXXX offices, XXXX report with FBI, FTC report too.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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: Checking or savings account

My wife received an email from Capital One on XX/XX/2022 that was for me that a checking account was opened. I called Capital One and told the representative that I didn't open an account. I gave her my name and she said, an account was opened on XX/XX/2022. I said, you need a social security number to open an account say replied yes. I asked her what the number was and she asked me for my last XXXX numbers of my social security I told her the numbers and it was my last XXXX numbers of my social security.
Product: Mortgage

The situation began when my mother, XXXX XXXX ( now deceased ) took out a loan on the property under XXXX  XXXX XXXX  XXXX. I ( XXXX XXXX ) was listed on the original loan as well as the deed to the property. As of XX/XX/XXXX, my mom received a letter stamped Paid and a copy of the deed. When XXXX XXXX assumed the loan, the terms were rewritten, eliminating me from the loan, but retaining me on the deed. After my mom pass away, I tried to have the loan/deed of recordation straightened out to reflect rightful ownership ; however, XXXX XXXX refused my request and told me I would never get the loan refinance into my name to just keep paying on the XXXX XXXX XXXX XXXX loan. 
The XXXX XXXX XXXX document was in the amount of {$64000.00} on XXXX XXXX with an interest rate of 13.81 % amount of {$820.00} a month for 20yrs and the maturity being XX/XX/XXXX. The Mortgage payment history statement show the interest begins XX/XX/XXXX, and loan amount of {$67000.00}. Maturity date XX/XX/XXXX. I ask for some assistance on reading the loan documents and no one could tell me what was happening, so I continue to pay. We were behind on the notes in XXXX amount of XXXX which I filed bankruptcy in XXXX. And every payment was caught up and the mortgage was being paid every month until the Maturity date arrived. XX/XX/XXXX I ask for a payoff balance from Carrington and they loan amount was {$38000.00} and if not received after XX/XX/XXXX it will require a XXXX interest per day. I contacted an attorney due to the loan is not in my name. I was not happy with this request paying for 20 yrs. on a XXXX and nothing went to principal. Is this legal? I paid in good faith to the best of my knowledge. Now they are starting foreclosure on my property. Persons should not have to lose properties and/or their mind due to the unlawful, unethical conduct of this Lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XX/XX/2021
Product: Debt collection

The account was removed from my credit report yet I received mail from a law office attempting to collect the debt as well. I am not sure if the debt was sold. The validity of the debt has already been disputed and removed from my credit report
Product: Payday loan, title loan, or personal loan

I've called they are very rude with me. I want to pay it off but I can't afford XXXX. 200 % interest. I didn't know this it was online. The document were fine print. Know one explained to about the interest rate. No one can afford that. I been paying on it around XXXX. They are crooks taking advantage of people want to repair their credit that's so wrong.
Product: Checking or savings account

XXXX XXXX i woke up to a email from chime stating my account had temporarily hold on my account at XXXX. I then open my chime app and discovered the amount of XXXX on my account and the money from my savings in the amount of XXXX had been transferred to my checking account and 51 unauthorized transactions from XXXX XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) starting at XXXX XXXX. I proceeded to contact chime banking the started an investigation to dispute all 51 transactions I was told to email anything to help my claims I emailed my drivers license, XXXX XXXX XXXX statement and work time sheet. A few days later I received a email saying my claim was denied. I called chime again I spoke with a supervisor and explained to her its no way I couldve sent those transactions and I explained to her my car was in reposition and bills are due Im a single parent and that was all the money I had saved because my work hours got cut .she reopen the case and denied it again the next day.
Product: Credit card

My card was locked while I was making purchase due to a fraud detection alert. When I called in to confirm the charges were valid, Citi, doing their standard account verification procedures refused to verify me through the various methods they have in the past, including phone number, credit card number, checking account info, sms message confirmation, and other methods I have used in the past. The only way they agreed to verify me was through a letter sent in the mail with a reference number I could use to call in and confirm to finally gain access to my account to unlock it. Besides that this is very inconvenenient, and that they've forced me to do this multiple times, leading me to not have access to my card days at a time, they also have not even sent this letter for over a week leaving me with a locked card and no purchasing power. Please help them unlock my card and prevent them from mistreating me like this in the future, so I could have access to my card I righfully own without having it unfairly restricted from me for weeks at a time. Thank you.
Product: Mortgage

Closing Date set multiple times. After third try to refinance my house so I could take cash at closing to replace my roof, the company said I would have to repair the leak in my roof and pass inspection. This information was never disclosed as the closing date and documents of the refinancing were downloaded and approved by my wife and the closing date was scheduled. Now they want to change the rules after I already paid the appraisal fee and credit report fee. All I wanted to do was replace my roof before hurricane season, which was completely out of pocket. A manager has still not got back with me on how to proceed. I have been a customer with this company for decades.
Product: Money transfer, virtual currency, or money service

I am expressing my concerns regarding Zelles handling of disputes when brought up for concern. Particularly in the recent CFPB lawsuit concerning issues with the platform. After contacting Zelle to discuss disputes, they failed to investigate my claims and stated the funds were lost and could not be retrieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was not opened up by me. I never had an account with XXXX XXXX, this needs to be removed today
Product: Mortgage

We purchased a mobile home in XXXX and financed it through Ocwen. Well, in XXXX, the mobile home burned ; we were having a lot of financial difficulties at the time and, therefore, only had a lender place insurance through Ocwen on the property. Well, the County in XXXX, GA, was telling us to clean up the property, or we would be fined $ XXXX, which we couldn't afford. We called the Ocwen insurance rep and tried to get them to come take a look for several weeks, which the insurance rep kept putting off. We finally called and told them we had to do something now, and the County wasn't having it. The insurance rep told us to go ahead and do what was necessary, and he would file the information on his end to let the company know ( insurance company ) and it would all be fine. Well, it wasn't fine ; the insurance company supposedly ( according to Ocwen ) refused to pay because they didn't get to look at the trailer. Then, before we even found out about the insurance denial, Ocwen sold our mortgage to another company, which has now done so, I think, 2 more times. Then we find out that Ocwen and the other companies that they sold our mortgage to are all within the same organization. Same building, same workers, etc. We were getting the runaround and shafted as they still want us to pay on a loan that we firmly believe has been paid off. They won't provide us with any documents to show that we ever gave permission for our mortgage to be sold. Also, we have since moved a house onto the property that is included in with the mortgage but the house we paid cash for and are remodeling the home. They are trying to claim that they will forclose on our home that we paid cash for since we moved in to that property and they claim legally they can. No one will go up against this company in GA because of the money they bring to GA but, GA government is as XXXX and XXXX as they come. It's like mob or something. Our Loan number is XXXX with XXXX PHH Mortgage. They are illegally stealing our money. We need help!!!! My phone number is XXXX and please leave a message.
Product: Debt collection

Consumer Finance, On a recent review of my credit reports I see PROGRESSIVE MANAGEMENT S who is a collection agency says I owe 3 amounts : {$340.00}, {$870.00}, {$610.00}. 

I have contacted the collection agency to validate the debts are mine several times, as well as the 3 credit bearueas, and they have failed to provide accurate proof.

The letter will be attached to this complaint.

I want these 3 collection accounts removed as they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Experian for 90 day 's about a few account 's that should not be on my consumer report. Ive expressed my concerns with Experian and made them aware that they are in violation of the FCRA pursuant to 15 USC 1681c-2 ( A ) Experian refuses to delete information that was reported as identity theft. The law says, in case of identity theft a consumer must provide 1. Ftc identity theft report 2. identification ( my Id ) 3.Confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume responsibility. 

The Facts I sent over all 3 appropriate document 's to Experian I mailed the documents certified on XX/XX/2022 they recieved the document 's on XX/XX/2022 XXXX XXXX, pursuant to 15 u.s code 1681c-2 Block of information resulting from identity theft the blocking of such information should be blocked not later than 4 business day 's I will submit proof showing it's been way over that time frame. Experian 's actions has caused me actual damages of mental anguish and economic loss for being willfully non compliant pursuant to the FCRA. The supreme court has held that in order for a violation of the FCRA to be willful. It must have been committed knowingly and recklessly. I have been reporting this to Experian for the past 90 day 's way past the 4 business day time Frame.