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

Have Been trying to make a regular payment for two weeks. Their app will not allow me to link a new bank. It still is not completed. Made a payment over the phone but they will not drop the {$27.00} late fee. Agent was rude and repetitive and controversial. Refused to help. Refused to get us a supervisor. We have tried their CHAT function. Its just form generated answers. We tried EMAIL. Same thing.
Product: Consumer Loan

Carecredit owned by Synchrony Bank does not offer more convenient methods of payment such as credit card payments. I wanted to pay off my loan ( which slammed me with crazy interest charges after the promotional period ). I got a XXXX XXXX credit card with lower interest and no interest charges for 15 mos. Great idea right? Better than paying 28 % on top of accrued interest penalty for not paying off a specific dental procedure ( which I tried to avoid ). Well where was all the money I payed allocated? Anyway, I could not do a balance transfer because THEY DO NOT ACCEPT this form of payment. This is absurd and a consumer RIPOFF. Intentionally done so the person who can not afford to get the medical dental work all at once gets the help they need via Carecredit BUT has to pay through the teeth later. Gee, thanks. My teeth cost me {$4800.00} initally but I will probably pay double if I do n't pay this off. SCAM SCAM SCAM!!!! I find it hard to believe that a financial company with XXXX 's of different products and service providers does not offer more convenient methods of accepting payments.
Product: Debt collection

On XX/XX/XXXX nearly a month after a forbearance was expired on the alleged mortgage, I requested a debt validation and verification from Caliber Home Loans Inc. I did so because Caliber never sent an invoice or statement regarding the detail of the alleged mortgage. Also, I request twice over the phone for a loan modification package. Caliber never sent any correspondence regarding payments until I requested a debt validation by certify record and to receive a response by certified records with 30 days of the letter date. I received the documents days past the 30 days. When I received the " debt validation '' I noticed that Caliber Home Loans Inc, did not supply all the required documents. Caliber Home Loans Inc sometimes stated that he is attempting to collect a debt, but they acted as lender in certain communication letters. They never sent a statement/invoice detailing the monthly amount to be paid. I never received a statement/invoice from Caliber Home Loans. Caliber Home Loans sent me a Notice of Default letter dated XX/XX/XXXX threatening to foreclose. In that letter they have not provided all important information such as all the information regarding the creditor, they listed the originating creditor as XXXX  and much more. Furthermore, In the notice of sale dated XX/XX/XXXX Caliber Home Loans did not provide the amount of the debt and statements that I can request validation of the debt within 30 days of receiving this Notice of Sale letter, which is a violation for 15 U.S.C. 1692g ( a ) ( 1 ) and 1692g ( a ) ( 3 ), and many more. I believe that Caliber Home Loans is attempting to collect my personal information from me in order to force me into a contract with them. I observed many inconsistencies/frauds in my inquiries into this alleged debt. Caliber Home Loans have or will be aware of some of the inconsistencies/fraud. There are inconsistencies in the commutations by Caliber Home Loans as well as the alleged mortgage assignment filed in the county clerk.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first issue is my student loans were forgiven by the US Department of Education, and the credit bureaus are still reporting the accounts with a defaulted balance. I have submitted disputes with the letter showing the forgiveness, and they still will not delete the accounts. The second issue is when my loans were sold back to the US Department of education from XXXX XXXX ; the credit bureaus did not remove the XXXX XXXX accounts from my credit report, so the same accounts report twice. Over the past three years, I have written to them explaining this, and yet again, they refuse to update my profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an XXXX XXXX account : XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

On XX/XX/XXXX XXXX i called midland and I simply advised them I had experienced a financial hardship and Im unable to pay due to being out of work for medical reason. I saw on their website they agree the cease all collections if you experience certain hardships. Ive also wrote this company and havent gotten any feedback and this collections is hurting my score. I would like for the collection to be DELETED FROM ALL 3 credit bureaus due to my hardship. The account number XXXX
Product: Credit reporting or other personal consumer reports

REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Previously unresolved issue by CFPB, where agent ordered Paypal to pay {$2400.00} funds to this buyer, but Paypal had never paid claiming other person made the purchases a DELIBERATLY FALSE, DECEIVING STATEMENT. The same person made the purchases, and the funds to be deposited to THE SAME PERSON 'S ALREADY KNOWN SAME ACCOUNT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting

I have a $ XXXX/mo credit monitoring account at XXXX. It was setup under a free trial 6-8 months ago, but I have been unable to cancel. My membership no is XXXX. The company requires calling XXXX to request cancellation. I do that, but the message says service representatives are busy. After 30 minutes or so the line just hangs up. I have no way to cancel these charges, for a service I do n't want and never intended on using.
Product: Credit card or prepaid card

Wyndham XXXX and Barclays Bank On XX/XX/21 I went to activate my Barclays card and was sent to Security stayed on hold for 54 minutes. I called next day and 1 hour and 3 minutes later still on hold I can never reach anyone in the Security department to get this problem fixed. Soon a payment for my Wyndham XXXX account is going to be due it comes on this card its not going to go through because I can not get the card access. This is how Wyndham XXXX gets their payments each month this is what they insist on as far as getting their payment. So I have a card I cant use my credit is going to be ruined and theres nothing I can do about it.
Product: Mortgage

I received a notice that a loan was being processed in my name. I did not reach out to this company or enter into any type of transaction or agreement with this company. This is mortgage fraud and deceptive practices by the lender.
Product: Vehicle loan or lease

MY CAR STINKS AND HAS A SMELLY FEET SMELL THAT WONT COME OUT DUE TO HVAC ISSUES AND LEAKAGE. I bought a used XXXX   Benz in XXXX and the car kept leaking, and wouldnt start after a week. After taking the car to get checked my a shop other then the dealer who lied to me because they are the only Benz dealer in XXXX I found out MOLD IS GROWING IN MY CAR from the leak. Upon checking the internet I have learned XXXX has agreed to settlement and knows about the issue. I feel like I was cheated into buying a defective car, which is why I havent sent the payment in. 

XXXX XXXX   XXXX % XXXX
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called to inquire about the  XXXX   XXXX  debt from  2012  the individual started asking me questions about the debt. I explained that we paid the  XXXX   XXXX  bill and proved it to the collector years ago, she then hung up the phone on me. Unfortunately it 's still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX Dispute and Request for Immediate Removal of Bank of America Credit Card 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 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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. Furthermore, I have diligently contacted Bank of America numerous times to rectify this situation, and they have explicitly stated that no such account exists in their records. This inconsistency is causing unwarranted distress and has the potential to impact my financial standing, loan applications, and overall creditworthiness.In light of the above, I kindly request your immediate attention to this matter and a comprehensive investigation into the inclusion of the non-existent Bank of America credit card # XXXX in my XXXX consumer report. 

I am requesting the following actions : A thorough review of my XXXX consumer report to verify the accuracy of all information, particularly the Bank of America credit card account in question. 
If the investigation confirms the inaccuracy of the reported account, I demand the immediate removal of this erroneous information from my XXXX consumer report. 
I am cooperating fully with both Bank of America and XXXX investigation by providing any documentation or evidence necessary to validate my claim. Please find attached certified mail numbers of my current correspondence with Bank of America and XXXX indicating their acknowledgment. [ XXXX ] [ XXXX Under the provisions of the CCFPL, I have the right to accurate credit reporting. I trust that XXXX will uphold its responsibility to ensure the maximum possible accuracy of my consumer report, rectify this issue promptly, and prevent similar errors in the future. 
I appreciate your prompt attention to this matter and anticipate a swift resolution. You may contact me via the provided email address or phone number for any further information or updates. 
Thank you for your immediate action in resolving this dispute and upholding the rights of consumers. 
Sincerely,
Product: Mortgage

I am a real estate agent and our buyers were pre-approved through American Financial Network , Inc. We went into contract on a home on XXXX XXXX and I kept in touch with the lender throughout the process to ensure a timely closing by XXXX XXXX. When I checked on the loan the lender admitted to starting the loan process late and then had a few tax lien conditions to work through. We were told that the underwriters were based in California and were not very responsive to the lenders. The lenders, in turn, were slow to contact us and often required multiple calls, emails, and texts to check in on the loan process. We had to extend the contract two times to try to close by XXXX XXXX. We were finally given the clear to close on XXXX XXXX and we scheduled the closing for XXXX XXXX at XXXX. We officially closed today, XXXX XXXX at XXXX. At XXXX, we received a call from the lender that the loan would not fund because the person who issues the funds found out today that one of our clients had lost their job on XXXX XXXX and would receive severance pay for 1 year ( not the the 3 required for FHA loans ).
Product: Credit reporting or other personal consumer reports

When I went to check my profile I came across some inquiries that were not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX / XXXX has violated my rights.

15 U.S.C 1681 Section 602 A : State I have the right to privacy.

15 U.S.C 1681 Section 604 A. section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I was contact by XXXX XXXX stating they are handling a debt owed to PAYPAL and the name on the account is XXXX XXXX. I have a PAYPAL account, but it is linked to my personal bank card as I have never applied for credit through PAYPAL. i contacted PAYPAL and they stated my account is good standing. I informed XXXX XXXX and I asked them to provide any information they have to substantiate who the debt belongs to. To date they have failed to provide any additional information regarding the debt. I have sent them XXXX emails, XXXX included an Affidavit of XXXX, I have called them twice to obtain additional information but they have not providing any documentation to substantiate the debt. I have requested they stop contacting me. I conducted a XXXX search and there are XXXX individuals in California with the same name. I believe someone with a similar name opened the account or used XXXX name to open the account. I have express this to XXXX XXXX but they do not seem to care. They are continuing to harass me everyday and have not provided any additional information. I want them to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

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.
Product: Mortgage

Received multiple offers from Ditech ( who currently holds my mortgage ) for a re-fi at a lower rate. Called them and was approved, received papers, signed and returned. 

No word for several weeks. Contacted again and was told I was denied because there was a " business '' on the property, which was there when we re-financed through XXXX, which got passed on to XXXX XXXX XXXX XXXX XXXX, etc., and then wound up with Ditech. How can they turn me down as they hold the mortgage? I am currently at XXXX % and need a lower rate to continue.
Product: Debt collection

On XX/XX/2021 I reviewed all three credit reports and noticed capitol one is reporting inaccurate information on my credit reports with all three bureaus. the debt in question is from a credit cards ending in ( XXXX ) Capitol One reported a balance owed of {$330.00}. This card was paid in a settlement agreement between XXXX XXXX XXXX, myself & Capitol One. I called Capitol One on XX/XX/2021 at XXXX XXXX  Mountain Standard Time & spoke with a Customer Service Representative named XXXX. She informed me there is no balance shown on any of the accounts & informed me to call all three credit bureaus. The problem with that is i already have disputed this information and capitol one still is reporting inaccurate information on my credit reports with XXXX, XXXX  & XXXX XXXX.
Product: Credit card

I returned a product in store got the return receipt, nothing was refunded as I did use a third party payment Afterpay I submitted a ticket to process my refund providing the return receipt but no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am A natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because 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
Product: Credit reporting or other personal consumer reports

I have called TransUnion multiple times over the course of three weeks trying to get my online account fixed so I can submit an online dispute with my supporting documents. Every time someone answers the phone there is a language barrier and they can not provide me any information as to why my account is locked
Product: Checking or savings account

Since XX/XX/year> its not being able to access my account. Because the sent me an email to confirm XXXX and I forgot to answer this. 
I already sent XXXX emails asking more information and they have not answered me.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items Transunion File Number Report Number XXXX XXXX  Report Number XXXX XXXX  Block me from seeing my credit report but here 's the list of accounts XXXX  XXXX XXXX XXXX XX/XX/XXXX {$6300.00} ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX {$67000.00} XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX   I recently found i was involved in the XXXX  Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have all these accounts on my credit file please help me with removing these items i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.