23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates ( PRA ) has placed a collection account on all 3 credit reports resulting in a HARD IMPACT to my credit score. PRA placed a collection account with XXXX XXXX and XXXX for {$1100.00} in XX/XX/XXXX. PRA has never provided a letter advising me of the debt or how to paid the debt within 30days before placing on my credit report. Thats a violation! I disputed this with The credit bureaus and PRA advising that I did not owe XXXX  XXXX XXXX   and asked them to verify the debt. They all responded as VERFIED AS ACCURATE AND REMAINS TO THE DAY ON MY CREDIT REPORT WHICH HAS CAUSE MY OTHER CREDIT CARDS TO BE CLOSED AND CREDIT LIMITS DECREASED. PRA & the XXXX XXXX and XXXX have violated the FDCPA, FCRA, FCBA and currently PRA IS UNDER A 5 YR SANCTION FOR FDCPA VIOLATIONS AS UNTIL XX/XX/XXXX in OHIO state. This means PRA has not changed its behaviors and continue to defraud consumers such as myself causing stress, anxiety, depression and extreme XXXX due to fighting months about a debt that WAS NOT VERIFIED, DOES NOT BELONG TO PRA BECAUSE I PAID XXXX  XXXX DIRECTLY. I currently have a open active XXXX XXXX card. They have violated my consumer rights!
Product: Credit reporting or other personal consumer reports

Hi My information was used and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report. 


This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice file suit against your company
Product: Payday loan, title loan, or personal loan

Had a Truck loan with Credit Acceptance Corporation and paid it off in XX/XX/XXXX never received the release of lien for the title letter at that time XX/XX/XXXX. 
Selling the truck XX/XX/XXXX contacted Credit Acceptance Corporation to have the lien release letter faxed. 

Was advised fax to arrive within 24-48 hour. Never received Friday XXXX XXXX, XXXX and was advised it was faxed at XXXX that morning never was received. 

Re-contacted Friday XX/XX/XXXX and was told it would be faxed by the end of the day, never received. Another call Monday XXXX XXXX and was advised the fax would come with-in 15 mins, never received. Call back 2 hours later was advised Title department is closed. Still no fax of lien letter. 

I'm just continually getting the run around and lack of support, not understanding why they are keeping my lien & Title of a Truck that is rightfully mine.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved .The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian , alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer,
Product: Student loan

American Education Services Management needs to make a concerted effort to improve the AES website for borrowers AND co-signers. I am a cosigner for my daughter and recently attempted to setup recurring payments to her loan account while she's in school. There appears to be one option to setup recurring payments, snail mail to XXXX, PA, then watch and wait to see when change is actually implemented ( no indication of whether payment amount can be changed at later date as loan amounts grow without submitting another snail mail form ). Before throwing in the towel and surrendering to the snail mail form ( s ), I'm going to get my daughters login information to see whether i can withdraw direct from my account from her account. This process is nothing like other online processes, as online banking/bill and loan payment, online investment houses, online shopping, etc. AES Has made an already frustrating process even more miserable. Someone who understands the process needs to redesign your website and simplify the online payment process for both the borrower AND the cosigner. I suggest using online banking with online bill and loan payment options as your guide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I spoke with a XXXX 's representative to pay off may account in full and close my account. I received a letter from XXXX XXXX confirming my account had been closed, per my request. Months later I received a bill for interest on the account and was told by a representative that it was an error and would be removed. For several months I received the same bill and each time was told that it was a mistake and it would be handled with no affect on my credit. Several months later I again contacted them but by e-mail to get their response in writing. I was informed in writing that their mistakes would be removed from my credit report. I still have a mistake on my credit report, showing a late payment occurring in XX/XX/XXXX, which is six months after my account was closed. After at least 6 phone calls and e-mails XXXX 's has not removed this from my credit report and this appears to be a malicious act on their part. Please see all attached documentation from XXXX 's,  including their written promise to clear my credit report. This is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that 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 : 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 Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I never received a notice stating the investigation would take longer. I sent the disputes out on XX/XX/XXXX, and the 30-day demand to comply letter out on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX
Product: Credit card or prepaid card

I disputed two charges with XXXX after XXXX refused to help. 
Capital one asked me for proof of return, so I sent them the XXXX tracking numbers that XXXX provided to me which shows both were received by XXXX. 

That should be ample proof, yet Capital one, without even reaching out to me to ask for more detail, closed the disputes stating they didn't have the information I asked for. 

I wasted 40 minutes of my time today talking to an incompetent Account manager who didn't seem to understand what I was saying and not once did she say I needed to send screen shots of the XXXX site showing it was delivered. Why can't Capital one plug the tracking number into the XXXX tracking site and see that themselves? 
Takes seconds. 

I sent the screen shots today but have no faith after this they will handle accordingly an dthis is a prepaid account so that's my money. Not happy with how they have handled this nor their lack of decent service agents I will attach documents for more information.
Product: Credit card or prepaid card

Hello, here are the facts on the purchase where merchandise was never received. 

1. I placed an order for XXXX XXXX XXXX on XX/XX/2019 from XXXX to be shipped to my billing address in XXXX, TX. The purchase price was XXXX + XXXX for shipping 2. I paid for this purchase through XXXX credit card processing with a link on XXXX to complete the check-out. The XXXX receipt listed the shipping address again in XXXX, TX. 
3. On XX/XX/XXXX, XXXX sent a shipment notification with USPS tracking number XXXX. When I went to USPS site to track it, the package was sent to XXXX, OR and not XXXX, TX. 
4. I never received the scanner. Tracking number shows a shipment sent to XXXX, OR 5. Citibank has resolved the claim in favor of the merchant on 4 separate occasions. 
( 1 ) Item was delivered by USPS to XXXX verified address - NOT TRUE, XXXX lied in response to Citi ; ( 2 ) merchant must agree to refund amount in question - MERCHANT CONTACT GOES UNANSWERED ; ( 3 ) merchandise description not provided - NOT TRUE, already provided receipt showing merchandise description ; ( 4 ) must provide a valid credit slip - no idea what else I could provide since I provided the following documentation with the dispute - receipt from merchant, receipt from XXXX for payment processed, shipment notification from XXXX, usps tracking confirmation showing it was shipped to OR and not TX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX and XX/XX/2023 Carrington mortgage returned two principal only payment and monthly loan payments to my bank account. No explanation or reason why the loan payments have been returned. After calling the company multiple times I was told by Carrington that my bank account did not have sufficient funds in account. I would now have to go to XXXX XXXX for the next six months to make mortgage payments. After speaking with my financial intuition I was able to find out that with no notification to my self the consumer the Carrington no longer accepts EFT bill pay from any financial intuition. I also inquired as to why my principle only payments are only applied to the principle at the first of the month and was given a reason that unless someone manual process the payment the funds will not be applied to the first of each month. So for the last two years all of my principle only payments sit in limbo until the next month to apply to the principle after the interest has been applied. This company is very unnautical and I was disconnected multiple times and had to spend most of the day waiting for response from the company. I still don't even know if my mortgage has been paid this month. Even though I have paid thousands extra each month to what I though was principle.
Product: Debt collection

This company says they are called Loan Depot. They are calling for a person named XXXX and have disclosed to me his is approved for a loan application this person submitted. I informed them repeatedly they have the wrong number, but they continue to call me daily and multiple times daily. This is just one phone number they used. I also have numbers from XXXX, XXXX, XXXX and XXXX. Today at approximately XXXX EST was the most recent one, from a representative named XXXX. The last one i can recall picking up as a couple days ago from a rep named XXXX. Each time they call they also state the call is a recorded line, so I'm confident they have an internal system of record that shows when and how often they have been calling. 

It is not only harassing, but predative lending too based on the person they are trying to get ahold of ( XXXX ) about a loan application, and the frequency of harassing phone calls. If XXXX wanted a loan, then that person probably would have given his phone number, not someone else 's. I am not XXXX. For the sake of CFPB knowing, my first name is XXXX.
Product: Credit card

On XX/XX/2023, I tried to log in to my account to make a payment. But, despite using the same User ID and same password I have used multiple times as recently as a month ago, USBank repeatedly posted a message that my User ID / Password was invalid. When it prompted me to provide further information to access my account, USBank account, the message stated the account was invalid or non-existing. I CAN NOT ACCESS MY ACCOUNT. I believe that USBank intentionally blocked my access because a few weeks earlier I sent a letter to its CEO XXXX XXXX complaining about poor service.
Product: Debt collection

Nordstrom 's credit card debt collector called before XXXX XXXX Received a call on XX/XX/2023 at XXXX XXXX and I was asleep after being up all night due to an illness and am XXXX. I have rarely missed a payment with Nordstrom 's but their representatives behind the debt collection are rude and aggressive which is unacceptable. The {$39.00} payment was made as it was an oversight on my part.
Product: Credit reporting or other personal consumer reports

Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items.Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX  XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00}.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$11.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms 74 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$15.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance - Terms 120 Months Account info Account name XXXX XXXX Account number XXXX Account type - Responsibility Individual Date opened XX/XX/XXXX Status NO STATUS Status updated - Balance - Balance updated - Recent payment - Monthly payment - Original balance - Highest balance - Terms 1 Months
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased on my Costco Visa Credit Card 2 tickets from XXXX XXXX, Fl. to XXXX, XXXX XXXX departing on XX/XX/XXXX and returning on XX/XX/XXXX. The total for both tickets was {$5300.00} for each ticket ( {$10000.00} for both ). 

XXXX canceled the flight due to COVID. In fact XXXX XXXX would not even allow US travelers in the country on our travel date of XX/XX/XXXX. 

https : //za.usembassy.gov/health % e2 % 80 % afalert-lockdown-extended-updated-u-s-embassy-pretoria-XXXX/ On XX/XX/XXXX, the government of XXXX XXXX announced an extension to its period of lockdown for an additional two weeks until XX/XX/XXXX. The lockdown measures were implemented to limit the spread of XXXX. 

In light of the fact that the flights were canceled, and in accordance with XXXX 's stated refund policy ( see below ), I requested a refund for the flights that were canceled. 

The refund policy when XXXX cancels the flight is as follows : XXXX XXXX XXXX   Can I request a refund if my flight has been canceled or significantly delayed? 
In keeping with our longstanding policy, if we cancel or significantly delay a flight ( delays or schedule changes greater than 90 minutes ),  we will first attempt to rebook you on an alternate flight, if one is available. 
If we can not find an alternate flight and we cancel the reservation for you, or if you choose to cancel the alternative itinerary we have selected for you, you have a couple of options : An eCredit for the value of the ticket, which can be used toward future travel through XX/XX/XXXX ; or If you prefer, you may request a refund to your original form of payment. 
I requested a refund, XXXX indicated they would do complete it, and after months they failed to do so. 
This refund I am seeking is in accordance with XXXX XXXX policy. 

There are class action lawsuits against XXXX regarding their failure to comply with their own policies. https : XXXX My complaints are with the Citibank Mastercard dispute department XXXX which provided me with a credit but did not allow the credit to become permanent, and with XXXX XXXX . XXXX promised me a voluntary refund, and, contrary to their stated policy, refused to give it. 

When I was forced to submit a credit card chargeback, they contested the chargeback and refused to allow the temporary credit on my credit card statement to become permanent.
Product: Mortgage

We were in the process of selling our home and purchasing a new home. We were set to close on XX/XX/XXXX. The mortgage broker, Success Mortgage Partners , Inc., already gave us final loan approval. The property appraised over purchase price. We had the home " tied-down '' to code to qualify for the conventional loan. The tie-down cost us {$2900.00}, plus the engineer report at {$350.00}. 

The mortgage broker called us today to inform us that because we were purchasing a manufactured home, the " investors '' were no longer going to honor the loan. They completely backed out of our agreement and we are now left to find another lender with closing scheduled on XX/XX/XXXX. 

We have to move out of our current home by XX/XX/XXXX. Because of the mortgage broker 's decision to breach the agreement between us and them, we now do not have a lender and if we do not get another loan, we will not have a home as of XX/XX/XXXX. 

After speaking to the mortgage broker 's legal department, we were informed that they would not release to us the name or entity that was the " investor. '' They refused to supply us with the contract between them ( broker ) and the " investor. '' They also did not tell us under what legal authority their decision was grounded upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that XXXX  XXXX XXXX ACCT # XXXX or ACCT # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2017 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of XXXX according XXXX XXXX XXXX XXXX. XXXX et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also, this account is showing 2 different kinds of account number based on the credit report. Acct # XXXX and XXXX
Product: Debt collection

My name is XXXX XXXX, XXXX on XX/XX/2020, I called National Credit Adjusters about two credit accounts that were with XXXX XXXX. 
XXXX XXXX  sold the two credit accounts to National Credit Adjusters however, both companies are reporting the same account to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX   XXXX XXXX. 
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Product: Credit reporting or other personal consumer reports

Experian and Credit Karma did not properly investigate any of the disputes I submitted.