23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Idenity theft, I filed a dispute letter with XXXX, XXXX, Experian with all three credit bureaus blocking fraudulent accounts off my credit report due to Identity Theft. My Due process rights were, has been violated by Experian where they failed, put the fraudulently account by discover credit card company back on my credit report. In accordance with The Fair Credit Reporting Act XXXX  account # XXXX has violated my rights per 15 USC 1681c-2 605 block information resulting from Identity Theft, 15 USC 1681 section 602 a States I have the right to privacy and 15 USC 1681 section 604 a section 2 also States a consumer reporting agency can not furnish a account without written instructions. Neither XXXX or XXXX put the fraudulent accounts back on my consumer Credit file. I submitted all documented evidence that substantiated my claim of identity theft but it fell on XXXX  ears by experience.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XXXX XXXX,XXXX XXXX , XXXX XXXX  . I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

This agency kept calling and harassing my father to pay this debt that I was n't aware of. So I called to get more information but the agent I spoke with had such a bad attitude and kept yelling at me. I was told that I owed a debt from an apartment that I had moved out of years ago. I asked for validation of the debt so I could have some proof in writing but I never received anything. they kept harassing me several times a day threatening to put negative marks on my report and sue me if I did not give them payment in full over the phone. They marked my report with a collection for the amount of {$3500.00} and a public record for {$1800.00}.
Product: Credit card or prepaid card

To Whom It May Concern, I wanted to reach out and provide detail with respect to a credit card dispute in the above-referenced case in the amount of {$1700.00} from XX/XX/XXXX. 

THESE SERVICES WERE NOT RECEIVED AND I HAVE FILED WITH THE CFPB AND DEPARTMENT OF TRANSPORTATION. 

CAN SOMEONE PLEASE HELP ME AS I CAN NOT SEEM TO PROVIDE THESE FACTS TO AN ACTUAL PERSON AND THE DISPUTE WAS SETTLED WITH ME HAVING TO PAY. 


For this transaction, the details are that on XX/XX/XXXX I submitted an order with online vendor " XXXX ''. The initial reservation detail indicated travel from XXXX to XXXX and then back to XXXX XXXX XXXX for a work trip. A screenshot of this is attached ( see " XXXX XXXX XXXX '' ). 

When I reviewed the actual travel portal the discount booking service had booked the trip from XXXX back to XXXX Arizona- which was incorrect. I immediately tried to call them. They have no phone number - only an e-mail address. I contacted this e-mail address and they only provided me with the screenshot of the incorrect booking. 

Note that I made the booking for an airline and contacted them within a few minutes ( about an hour ) from the original purchase. According to UXXXX Department of Transportation rules, this airline ( or the travel agent ) I think should have been able to immediately refund the flight or change to the correct flight. The screenshot of the incorrect booking from their system just reiterates the point that there was an error with the ticket. 

Contacting the vendor 's chat team was incredibly difficult. There were many spelling typos and they did not understand my request ( see " XXXX Customer Service '' ). I have also tried to communicate with this vendor over e-mail. Their online spelling and communication is very difficult- there are many typos ( and no phone number ) ( see " XXXX E-mail XXXX '' and " XXXX e-mail 2 '' ). In these communications, they frustratingly just sent me the picture of their incorrect system and did not offer any solutions. 

This is a lesson learned. In looking at XXXX, many customers have had this issue. There are over XXXX reviews and over XXXX of them are one star due to similar issues. 

Because of this issue, I immediately booked the correct travel directly with another airline ( with the accurate booking ). 

I have also filed a detailed dispute with the US Department of Transportation who appears to have a file on this merchant for similar issues ( see " Department of Transportation Referral '' ). 

I wanted to provide this detail to you for the above-noted case so that you may have the information necessary to hopefully proceed. 

I hope this can be resolved favorably. I have not received any merchandise or services from this vendor and, in fact, they appear to have just cancelled my reservation in their system ( see " XXXX XXXX XXXX '' ). 

Many thanks for your time and assistance- have a great week. 

Best, XXXX
Product: Student loan

After I consigned my loans they where sold to Pennsylvania Higher Education by the United States Federal Government and I had a payment plan with PHED, and before I could start making payment I was told by the representative at PHED to call XXXX Collection to deal with my loans and we ( PHED ) no longer have your loans. So I called XXXX Collection to stop making payment with them I would sent paperwork back and forward finally getting and payment set up and was pay it, but after XXXX payments I got a notification that my balance double and I had no payments send in and you have to call Pennsylvania Higher Education about your loans we don't have them anymore, so after many calls and lie to I see both PENNSYLVANIA HIGHER EDUCATION AND NAVIENT where sue and will never deal with students loans ever again and all the people who had account with them their loans were dismissed canceled. I WAS NOT ONE OF THEM AND BOTH COMPANIES HAD MY LOANS AND SOLD THEM TO ANY OTHER COMPANY THAT WOULD TAKE THEM NOW I AM GETTING LETTERS AND BILL FROM A NEW COMPANY WHO WANTS XXXX A MONTHS WHEN I COULD HAVE BEEN BETTER OFF IF BOTH KNOW WHAT THAT WERE DOING. AND MY LOAN WAS NEVER CANCELLED WHY? I GOT TOOKING ADVANTAGE OF ON PAYMENT AND MY PERSONAL INFORMATION FROM BY BOTH COMPANIES AND GOT NOTHING BUT A LARGE BILL?
Product: Debt collection

Ive Notified both Consumer Agency such as Transunion and XXXX regarding their information about My Personal Credit information being used in an Authorized Lines of Credit which i Did not Opened up with The Following Company. 
XXXX XXXX reporting inaccurate and False Information stating that the Account was opened XX/XX/year> but Delinquent XX/XX/year> with XXXX XXXXAcct number XXXX for the Amount of XXXX This is not My Address nor phone numbers Also I never opened Any Accounts that would result in an hard inquiries. My only opened Accounts are Authorized users only Status. Ive already filed a Police Offense/Incident report upon discovery of this False Accounts XXXX. XXXX XXXX XXXX with XXXX XXXX XXXX  Acct ending XXXX is a Fradulent Account has been opened without My Knowledge. Ive Filed a Police Report when I lost Driver Liscense and Social Security Number. After uploaded Proof of the Police Report and Driver license XXXX and Transunion still Reporting Inaccurate Information about My Personal Information. I want this to be correct immediately with a Deletion of Wrongful information about the 2 Collection under My Social Security number thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to the 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not recognize how this account is reporting on my credit report. 
I do not recognize the account number. 
I do not recognize the account status. 
I do not recognize the high balance. 
Nor do i recognize the late payments associated with it, everything reported here does not meet the FCRA. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. I sent {$140.00} including the fee to XXXX for a poor family, on Saturday dated XX/XX/2020 at Walmart XXXX, Texas. The Walmart store number XXXX and the address is XXXX XXXX, XXXX, Texas XXXX . 

Since I sent the money I called the receiver in XXXX that they would receive the money in one hour as promised by Money Gram. But when they went to the Bank next day morning The bank told them that the money is not available. 

So I called Money gram since last two days. But after two three hours somebody pick up the phone and would tell call will be transfer to specialist. And put me in hold. after on hour the call automatically disconnected. 

So I went to the Walmart since they have the responsibility. The manager told me they don't have any responsibility. They advised me to call the Money Gram.. 
So nobody has any responsivity. 

Money gram customer service number : XXXX a fraud number.. 

So please look in to this sad situation and get my money back. I feel this is cheating and breach of faith too. 

The reference number is : XXXX and the receiver name is XXXX XXXX XXXX . 

Yours faith fully XXXX XXXX XXXX Cell : XXXX email : XXXX XXXX
Product: Mortgage

Hello, my name is XXXX XXXX. I am a widowed and XXXX veteran that resides in XXXX  XXXX, VA. I retired from the military the summer of XXXX and live on a fixed budget. Recently, I was in communication with a couple of associates that work for Quicken Loans. I was attempting to secure a mortgage loan to refinance my house. 

From a period of time from XX/XX/XXXX to XX/XX/XXXX, encompassing 17 calls ( 9 of which were incoming from Quicken Loans ), and 11 emails, all communication was suggesting that my loan application had been properly vetted and was approved. An appraiser was even sent to my home and my home appraised for $ XXXX more than was necessary for the numbers to work. However, at the last minute, I was told that a portion of my household income ( recently acquired rental houses ) was not verifiable income because of less than 2 years viability ( showing on tax returns? ). Why didn't they say that at the very beginning? Not only was this whole process a hard pull on my credit, it was a colossal waste of time for me. 

I would think that the associates that routinely process applications for mortgage loans on a daily basis would be knowledgeable enough to know this before getting that deep in talks with a client or potential client. I have been in my home for almost 9 years and have not had a late payment on my mortgage. There were 2 loan scenarios that were presented to me ; one was a refinance with rate reduction only and the other was a cash out refinance. BOTH loans had a monthly payment that is less than what I currently pay. It seems terribly unfair to have been led astray with the guidance that I received during this process. I'm currently in an adjustable rate loan and was looking to get some stability in my budget by getting a fixed rate mortgage ... especially with having my daughter start college this past academic year. I was told by the company ( on XX/XX/XXXX ) that even though I was led astray by their loan professionals that there is no recourse in this matter. Please advise ... 

XXXX XXXX XXXX XXXX loans offered to me by Quicken Loans : # XXXX ; # XXXX Here are the associates that I was in communication with : XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX
Product: Debt collection

On XX/XX/ I received an alert in regard to my credit report stating that there was a new collections added to my report by Amsher Collection Services. However, Amsher has failed to notify me of this alleged debt with information that refers to this debt that they are trying to collect on.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told Experian, XXXX, and XXXX to reinvestigate XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Debt collection

Company still hasnt send information to my address verifying account. I sent letter in XXXX its now XXXX and havent received ANYTHING.
Product: Debt collection

I received a letter from Stoneleigh stating that they are the collectors for an account I allegedly have with XXXX XXXX. I sent a validation letter to Stoneleigh to tell them to provide me with a contract that has my signature that ties me to this debt. This letter was received by them ( which I enclosed a copy of tracking ) on XXXX XXXX, 2017. They have not responded with any documentation that I owe this debt. But they sent me another letter with a settlement offer that I received XXXX XXXX, 2017 but it was dated for XXXX XXXX, 2017.  So even after receiving my debt validation letter they chose to ignore it and continue to try to collect on this alleged debt. If no signature can be provided on a contract that bears my name, an agreement that shows that they can collect on the debt, or a validation of the amount this item I require a letter from them stating they cease collection activities on this account. In the letter I also asked to stop collection activities until they are able to provide such proof within the 30 day allotted time and they have violated that. According to the Fair Debt Collection Practice Act 15 USC 1692g Sec. 809 ( b ), they are bound to provide me with such proof. Anyone can send a letter stating I owe an amount and that I am required to pay so I need proof that I actually owe this company.
Product: Credit card

The Care Credit card which I use when I have work done on my teeth at XXXX XXXX on XXXX XXXX in XXXX, Maine is a part of General Electric 's Synchrony Bank. It 's a great concept and I enjoy the flexibility it affords me. My issues are this : They have these promotional programs which offer lower interest over a short period of time then when they end the cardholder gets whacked with a large amount of unpaid interest which if not paid is added to the running balance on the account. I find this unfair. 
XXXX, Synchrony Bank ( Care Credit ) wants the vendor ( XXXX XXXX ) to not charge the customer less than {$200.00} on a procedure. For example, I have a XXXX appointment which costs me {$100.00} but they charge my card {$200.00} and keep a {$95.00} credit balance. They capture {$95.00} of my money and hold onto it instead of just charging my card the {$100.00} for the appointment. The {$95.00} credit is used to pay towards the next procedure. 
This was explained to me by the people at my XXXX XXXX location. I object to this policy by Care Credit. XXXX told me that Care Credit wants its vendors to do this.
Product: Mortgage

I contacted customer service for my mortgage co. on about XX/XX/2018. I had received an escrow analysis, which showed my account in the black ''. I asked the agent if I could pay extra escrow in order to maintain my same monthly payment. I had done this same transaction on my escrow account two years before ( to keep my payment at the same amount as previous year ). However, the agent said I could not contribute to my escrow and my payment would be going up XX/XX/2018. So, I told the agent that if over this year I contribute extra to my escrow in order for next years ' escrow analysis to show I have enough to cover any increase in tax or insurance. The agent said that no matter what I did to my escrow account, if tax or insurance increase each year, your payment will increase each year. I asked the agent if I had {$400.00} surplus in my escrow and my payment was to increase {$20.00} per month, my escrow would more than cover the increase even by keeping my monthly payment the same. to me this does not make sense. I want to keep my payment the same, as I am retired and on a fixed income. If I have some extra money during the year and what to put it in to extra escrow, so that my payment will remain the same ... .what is wrong with that?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account number : XXXX Account Name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic Credc o indicated " serious delinquency '' on report provided to my potential home loan lender. I do not have any delinquency.   I tried calling the phone number on the letter provided but was on hold for extended period of time on   X/XX/2017    . I The website provides a link to submit online dispute, however the link page does not contain anyway to submit an online dispute. The consumer assistance page also does not have a link to submit an online dispute and provides only a phone number and mail address to mail the disputes. In addition, there are no fax numbers to expedite a dispute given the lack of online dispute option.  <P/> It is clear that the company is not focused on assisting consumers in resolving incorrect information being used by lenders among other businesses.
Product: Debt collection

I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : CAPITAL ONE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.
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. 

Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX, Account name 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: Credit reporting, credit repair services, or other personal consumer reports

I lost my social security in 2018. Ive recently just received a new one. I have a lot of inquiries and a collection I do not recognize or gave permission. I would like them removed immediately please
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I received a letter last Saturday XX/XX/2022 ( Please see attached file ) which i never authorized to run my credit report. 
There was an initial talk to the agent but in the end of the conversation i decided not to proceed i have not given authority to run the credit check and even to the point of not giving my social security. ( May be you can check on your recorded line ) I wish this can reverse thru my credit points, i want action to this matter before i start filing a credit complain to the three major consumer report. Pertaining to ( XXXX XXXX and XXXX consumer ) My rights as an individual was compromise. I presume the agent got my SSS thru my old inquiry last year.
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, 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: Debt collection

a secured credit for {$300.00} deposit from XXXX XXXX was sent to collections instead of using the XXXX and have XXXX options to pay XXXX debt. option XXXX XXXX payments of XXXX or option XXXX XXXX payments of {$73.00}. which is hundreds of percentage points above the debt without disclosing fees instar or reasons for the increase.
Product: Money transfers

i sent money threw XXXX XXXX XXXX the receiver in XXXX was told the money was paid out. I went back to the store n the manager said it takes a few more minutes.could you please help get the money paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update/correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXXand I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX  XXXX Balance : {$8300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXX Balance : {$5400.00} DEPT OF ED/XXXX  XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$2000.00} DEPT OF ED/XXXX  XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$3400.00}