23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I entered into a settlement agreement with Moss Law Firm PC effective XX/XX/XXXX in the amount of {$130.00} per month. The first payment was due by XX/XX/XXXX. On XX/XX/XXXX, I submitted payment via the company 's online portal. Several days later, I received a notice that the payment was not processed and to contact Moss Law Firm PC to make necessary arrangements. When I contacted the company, the representative told me that my payment was not processed because I attempted to make the payment too soon after the agreement was signed and my account was not established in the system. I made the payment with the representative via telephone on XXXX and was told by the representative that I would be able to make my monthly payments online from that point forward. On XX/XX/XXXX, I attempted to make another payment online for XXXX. I received a payment confirmation email. However, a few days later I received another letter via mail stating that my payment did not go through. I called Moss Law Firm again and could not reach a representative, so I left a message for someone to call back. 
I did not receive a return call. I called the company again on XX/XX/XXXX and was advised that since my first two payments did not go through, I could only pay each month via cashier 's check or money order. They also advised that the reason the payments were being rejected was due to an issue with my bank. I attempted to explain to them that I was given misinformation back in XXXX when I first attempted to pay, and I was willing to get the issue resolved with my bank if they would allow me to get caught up with my payments and continue to pay online. They stated that they could not allow for this, even though they provided misinformation to me which caused me to continue to have the same payment error. They also falsely claimed that I did not try to contact them and that they previously advised what the issue was. I feel that they did not provide me with proper information to ensure timely payment.
Product: Credit reporting or other personal consumer reports

I can log into my equifax no problem but lenders or apartment screenings can not pull my credit file. There is not a lock or a freeze on the account. The same thing goes for my transunion account. Lenders and I can only see and pull my experian report.
Product: Debt collection

They continue to email me several times a week about a debt they think I owe them. I just want them to remove my email from their records. I've asked repeatedly for them to stop sending me emails and they just flat out ignore me or respond and say they will if I agree to pay them.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

So my card was stolen, I went home and went to bed. When I woke up to go to work, I had many notifications from chime about purchases made all throughout the night while I was asleep. I immediately called Chime and reported my card stolen, froze the card, and filed a dispute. A couple of days later my account was credited for the XXXX dollars. The problem is that a couple of days ago I received a notification saying that they found that no error had occurred and will be taking the money back. When I signed up for Chime I signed terms that state if my card is stolen, or purchases are unauthorized then I have XXXX liability. I have asked my kids if they made the purchases, they say no. I dont know if they are telling the truth but the oldest is XXXX. BUT regardless of that. I did NOT authorize those transactions. And frankly I believe that chime is falsely advertising a XXXX liability policy that they obviously do not honor. Also the terms that I signed, they are in breach of! I have contacted Chime, the company that the payments were made to, the XXXX, and now you guys. Please help me. I know I am not in the wrong. I did not authorize these payments, and I have XXXX kids with another on the way. XXXX dollars is a lot of money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a previous balance with Barclays for {$15000.00} that I fell behind on due to working with a fraudulent credit restoration company. I contacted Barclays back in XXXX and XXXX of XXXX in order to reconcile the account and get a settlement amount. On XX/XX/XXXX, I received a letter thanking me " for the time you have taken to provide them us valuable feedback, '' after we had discussed a settlement amount. Verbally I was told that I would receive a letter that reiterated what was discussed over the phone in XXXX. Per their verbal instructions, the settlement agreement was for {$6000.00}. I was told I needed a money order in that amount and that I had to include the last four digits of the account number and the last four digits of my social security number. I was also given the address that I needed to mail the money order to. I was told that the payment was due by XX/XX/XXXX. I was then told that once I sent the payment, I would have a waiting period to validate funds, and then my account balance would be considered " settled-for an amount less than the full balance'- and an update was to be sent to the credit reporting agencies. On XX/XX/XXXX, I went to the bank and got a money order/cashier 's cheque ( because it was a large amount ), then went to the post office to mail off my payment. I sent the payment via USPS Certified mail and requested a signature and return receipt. According to the return receipt, the letter was signed for and I received it in the mail on XX/XX/XXXX. According to Barclays and my credit report, the payment was put in on XX/XX/XXXX, which is showing as the last payment on the account. Since making that payment, I have checked my credit report monthly, and as of today, XX/XX/XXXX, Barclays has failed to update my account balance to " {$0.00} '' and has failed to update the account status to " settled. '' The account shows closed, but still show a balance of {$9100.00}. I called Barclays on XX/XX/XXXX and inquired as to why my account had not yet been updated. I was told that the account is showing correctly and shows that I still have a balance, but they did record the payment that was sent. I was also told by the agent on the line that the letters are basically just sent out as information and that it's a generic letter. However, I was told in my verbal agreement to settle that my status and reports would be updated accordingly. They still have not made any moves to correct/update the correct status of the account with any credit bureaus, and this continues to affect my credit, as the account is not showing up properly. Since they have not upheld their end of the agreement, I would like to have this account updated and deleted from my credit reports with all major credit bureaus.
Product: Payday loan

I got a loan from Instaloan in XXXX around XXXX XXXX, and each month I make a payment to them the payment goes up and none of the money I pay is going through what owe them. My payments are XXXX when I pay that I still owe them XXXX I told them I do n't understand why none is going through what I borrowed and I was told I had to pay them more in order for my balance to go down. So the following month they said my payment was XXXX again none went on the amount at all. What can I do about this.
Product: Mortgage

I have been unemployed since Late XXXX. I applied to Green Tree Servicing my mortgage company in XXXX for mortgage assistance for my FHA loan. I was denied assistance even though i provided proof of unemployment. I appealed and was again denied and told that i was in not in immediate danger of default. I am concerned that no matter what paperwork i provide Green Tree intends to foreclose on my home. I was told that i qualify Unemployment forbearance by XXXX Green Tree Account representatives but when i asked for details i was told to wait for a final decision by loss mitigation. I m now on the XXXX account representative and i still do n't have a decision. i was able to stay current on my mortgage up through XXXX. It is obvious that the mortgage company makes a practice of advertising HAMP and HARP programs while intending to push everyone to a foreclosure.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has XXXX my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The XXXX failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Product: Prepaid card

Hi, I bought a US. Bank prepaid card, Bin XXXX. {$500.00} ( deposit ) + {$6.00} ( purchase fee ) XX/XX/XXXX : The trouble started from XX/XX/XXXX, I lost my card. 

XX/XX/XXXX : I requested a replacement. They asked me to provide IDReceipt, submitted on web ( XXXX ), identifying the purchase. I did it. They sent me the replaced card. ( Charged me a {$6.00} replacing fee ) XX/XX/XXXX : I got the replaced card. 

XX/XX/XXXX : The same day, I find the card is unable to use, I contacted the company, spending over 1.5 Hours. They said they are unable to active my card since the information I provided is not match. 
( yes, this is okay, it does mismatch because I bought a lot of GiftCard that day ), ( Complain 1 : How can they issue a replacement if info mismatch? ) XX/XX/XXXX : I agree to send correct info, And I did it via Fax. 
They said they will active my card in 3 days. 

( Complain 2 : it's XXXX, Fax is not convenient to use, Each time I use it I will be charged a couple XXXX Why we can not use E-mail? ) XX/XX/XXXX : I called them again, The card is still un-active. 

XX/XX/XXXX : I called them again, they said they still can not active. 
I escalated to the supervisor, they now provide details about why it can not active. 
" the photo ID is to light to be seen, " ( I used my phone to take a photo of my ID, And Faxed it. I can see it clearly, Name, Datebirth, Address, everything is clear. I don't know why they can not see it. ) ( they just repeatively said it's too light to be seen in their system ) ( Fax will automatically adjust the photo to white and black, so they is no so called " light '' problem, becasue all photo will be black and white ) ( I actually a half-professonial photographer, I know how to take a photo better than 99.99 % people ) I said, I can upload it again, on web site, so this will be very clear to see. At first, they said they can not do it, they can only accept Fax. 

After half hours talking, they give me a try to upload, a web channel. But that channel is not working, I can not upload it. 

Then, they start repeating again : " fax is the only way to do it, we can not do anything else ''. I said, can we use e-mail? They said no, Fax is the only way.

For now, I spend over 1.5 hours on the phone again, and I still can not use my card.

( Complain 3 : XXXX XXXX )
Product: Mortgage

XX/XX/2019 I closed my refinance with Contour Mortgage. At the day of the closing some information changed XXXX cash out amount and amount paid for points ). I called the XXXX XXXX ( the mortgage specialist assisting me during the closing and he said everything was fine and he'll explain. 
The discrepancy in the payout amount according to XXXX was going to be refunded to me once the escrow account send out the balance left in the account to me. 

I contacted XXXX and his supervisor XXXX XXXX several times in an attempt to clarify what happened with the refund from the escrow account ( {$1200.00} Estm ) & {$500.00} gift card promised to me to cover the appraisal charge. I spoke several times with XXXX and nothing came about for either of the issues. 
I contacted the old bank who have my mortgage to find out if something was missing or if the have the balance. they indicated they account was clear and nothing was due back to me on their end. 
its been about six month since I refinance with Contour mortgage and I still waiting for a resolution to this issue. My attempts to find a solution with them have been unsuccessful and my calls are not being answered by either one of them. 

I hope through this mean I am able to find a resolution and a final answer to what it is owe to me by Contour Mortgage and a explanation as to what happened witht he difference in their final closing papers. 

Thank you. 

please feel free to contact me with any further questions
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2018 Navient reported to the credit bureaus $ XXXX balance and late 90 days. During the month of XXXX, I called in to report my loss of income and could no-longer make the payments. I was told I would get a payment reduction plan {$0.00} payment. Navient has note of the conversation but then stated they never offered me a payment reduction plan. I expressed to 3 supervisors and 4 associates this inconsistency in communications has now affected my current resident agreement. The reporting had caused my credit score to drop 73 points. I then tried to make the payments in hope to rectify the incorrect reporting but nothing happened or a response to my issue. I then spoke with a representative whom stated I should send a letter to dispute the incorrect reporting and request a reversal. The rep. also would note my account to get the reporting reversed. I called the number provided to the department and no one called me back after 5 messages I left. No one ever picked up the phone for the ONLY department that deals with credit reporting or reversal. The letter arrived and uploaded to my account which I could view. I spoke with the same rep. whom stated my case was pending. The letter was removed from my account after a week and no rep seem to have any information regarding the letter of dispute being on file. I made additional payment, which I was in no financial position to do and still no response from the department regarding my dispute. All three supervisors were very rude and dismissive of the severity of my case. One supervisor repeated himself over and over when I asked for a manager, another manager stated I need a COURT ORDER to retrieve the phone conversations I've had, the last supervisor said there is no need to discuss it further because there was nothing that department could do but transfer me back to the department that was unresponsive. The supervisor team were less helpful than the representative. I've never felt more abused and disregarded in customer service than I have with Navient. Due to this awful experienced I was forced to vacate my residence. The lack of responsive of customer complaints are none at all. Navient is a horrible company and I will advise all to finance with another lender if possible as they change the rates, payment agreements and do not respond to questions, concerns or complaints. Please shut them down. An organization like this should not be in business, especially dealing with students finances and credit.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am natural person. l am the natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report under the laws 9.506. I did not give authorization. I am filing this complaint to address multiple inaccuracies on my credit report that are affecting my credit score and financial health. The issues are as follows : Incorrectly Reported Charged-Off Accounts : The following accounts are inaccurately reported as charged off : 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  These accounts should not be charged off. I request verification of the charge-off status or correction to a XXXX balance and removal of the negative status. 
Disputed Payment Records : The following accounts inaccurately show missed and late payments : 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 I request detailed records of all payments and missed payments for these accounts. 
Unverified Collection Accounts : Collection accounts are listed from agencies I do not recognize : XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX ) XXXX XXXX ( Account # XXXX, Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX ) I request evidence from the original creditors showing these agencies have the legal right to collect these debts or that the accounts be deleted.

Unauthorized Credit Inquiries : Multiple inquiries are listed that I did not authorize : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX-XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) I request removal of all unauthorized inquiries. 
Despite my efforts to address these issues directly with credit bureaus and creditors, they remain unresolved. I am seeking your assistance to ensure these inaccuracies are corrected promptly.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX concerning a credit card that I have with them ( I am an authorized user ). XXXX XXXX has been reporting the usage of this card to XXXX and XXXX but NOT to Experian. The good usage of this account shows favorable on my XXXX and XXXX reports, but its absence on Experian has my scores unbalanced, and this is negatively affecting my score averages so I can pursue a new mortgage. 

I requested that XXXX XXXX confirm that they would report the correct and timely information to the Experian credit bureau. They first stated that they were reporting the account correctly ( see their letter dated XX/XX/2023 ). But I called to let them know ( again ) that the issue is with them not reporting the card 's activity to Experian. I need it reported to ALL three bureaus. 

I received confirmation from them via letter dated XX/XX/2023 stating that they would report the information to Experian, but they have failed to comply. I need the assistance of the CFPB to ensure XXXX XXXXXXXX reports the card activity to XXXX, XXXX... AND Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and mailed in my identity theft report to XXXX, XXXX, and Experian and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to all 3 major credit bureaus several months ago. Unfortunately I have not heard back from them in over 3 months and I still have a lot of inaccurate information on my credit file. I would really like to fix my credit report but have been having the hardest time with the credit companies actually investigating my issues. I tried mailing in my request and didn't get an answer back then I sent it certified and still didn't get an answer back. I know that if the credit companies would just look into my issues I would be able to fix my credit.
Product: Money transfer, virtual currency, or money service

The buyer XXXX XXXX first contacted me saying she wanted to buy the pants for {$8.00} when they were listed for {$15.00}. I made a Counter offer of {$11.00} and she accepted. The pants were described as being in very good to excellent condition, but I was selling them due to being too small. She Became abusive on XXXX saying I was a XXXX, XXXX person. She wanted To keep the pants, but wanted me to give her an {$8.00} discount, Thereby giving her the pants for free. She also chose {$10.00} shipping even though the listing only offered {$7.00} as shipping. XXXX ruled Against her and then she went to PayPal. Paypal asked her to return the pants and she shipped a different pair in size 27. The pants I sold were a size 29. 

When XXXX asked her to send photos to me as proof, she never responded to the request for photos. Her ratings ( shown here ) show that XXXX has had to delete several of her reviews because she has been INAPPROPRIATE. Buyers like this are harmful to The XXXX and Paypal community. 

I want my money back. She committed FRAUD and is dishonest. She stole my pants and Pay Pal gave her a full refund. 

URL : XXXX : https : XXXX URL : PAYPAL : https : //www.paypal.com/myaccount/transactions/details/5FN76780V3091862E? from_legacy=true
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you
Product: Debt collection

On XX/XX/19 I recieved a phone call from the XXXX XXXX claiming to be mediators. The first rep I spoke with was very rude and hung up after I started to say I have no intentions of paying this, but hung up before I could finish my sentence which would have finished with I have no intentions of paying this at this time. I called back and spoke to another rep who kept claiming I was digging myself into a bigger hole because this is a recorded line and threatened to call me at work and even at church. This is unacceptable. Both reps continued to interrupt and threatened to start the hearing process. Both times they claimed to NOT be debt collectors, but meditation between the client and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER NUMEROUS ATTEMPTS TO HAVE INACCURATE INFORMATION REMOVED FROM MY CREDIT REPORT, EQUIFAX IS THE ONLY CREDIT REPORTING AGENCY THAT DEEMS ITS NECESSARY TO CONTINUE TO REPORT THIS MIS-INFORMATION. I'VE SUBMITTED NUMEROUS DISPUTES, INCLUDING IDENTITY THEFT REPORTS, POLICE REPORTS, UPDATED ADDRESSES, AND THE CORRECT SPELLING OF MY NAME. I'VE CALLED THEM SEVERAL TIMES AND WAS UNSUCCESSFUL IN EVERY ATTEMPT TO CORRECT THEIR MISTAKES. AT THIS POINT I'M CONFUSED AS TO WHAT TO DO NEXT FOR THEM TO CORRECT THE MISTAKES AND MIS-INFORMATION ON MY REPORT.
Product: Vehicle loan or lease

I have tried talking to Mercedes multiple times about this problem. 

I have phoned them, emailed them monthly and had no change. 

They made promises when I bought the vehicle and since that they have not made good on.