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

I financed a portion of a medical procedure since there was a promotion for 24 months interest free financing. When I opened the account, I reached out to the company, CareCredit, to confirm that my recurring monthly payment was sufficient to pay off my balance in full within the 2-year promotional period. I was advised this payment amount was appropriate and I set up my recurring payments. 

I realized today that my account still has a balance and that my balance was not paid off within the promotional period. As a result, all the accrued interest has been added to my balance ( nearly the same amount as the portion I financed ). When I reached out to CareCredit they stated there was nothing they could do regarding the interest and that any information communicated regarding payments were just approximations and that they can not be held responsible. As a result, I now have to pay $ XXXX in interest on a ~ {$2000.00} credit loan.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I made a purchase online XXXX XXXXXXXX XXXX XXXX/ for {$490.00}. They said I would be provided with a tracking number once purchase was made. I tried contacting daily for the number and finally they responded today stating they needed {$200.00} more to cover shipping insurance. I contacted my bank and told them I needed a refund for a payment made using the banks XXXX app. The bank said no buyer protection is offered using XXXX and nothing they could do. This is PNC bank that I bank with. Please help
Product: Credit card or prepaid card

Purchased a flight on XX/XX/XXXX using Capital One XXXX  through my Capital One XXXX credit card. Had to cancel flight ( XXXX ), but got travel credit through Capital One XXXX. At this point my credit card was cancelled ( Capital One XXXX  ) already due to avoiding annual fees so I used my Capital One XXXX credit and another credit card to pay. Rebooked the new flights over the phone with a Capital One XXXX agent in XX/XX/XXXX for XX/XX/XXXX XXXX. Had to cancel our XX/XX/XXXX flights with XXXX and after 5 months of calls they let us know they refunded the {$800.00} flight to Capital One XXXX which was broken up into 2 credit card reimbursements and XXXX in miles. We were not told this until last week in XX/XX/XXXX. When I went to look at my XXXX account with Capital One the account is PURGED. We called customer service and were transferred 3 times on hour call with no resolution.
Product: Debt collection

This company was repeatedly calling my parents not me about a XXXX XXXX account. I had never heard of them. Along with that they tried to say my parents are on the hook because my mothers name is on the account ( would never happen ). So the entire account is in question. They finally called me today XX/XX/2019. What's more is that two companies are calling about the same account so one of these collectors must be fraud. The last date I have of them calling my parents was around XX/XX/XXXX, but they are still calling.
Product: Mortgage

I was a Wells Fargo Mortgage Customer and in a revolving door of foreclosure with them for 4 years from approximately XXXX to XXXX. I would jump through all of the hoops of getting approved for a modification, I would make the required payments requested to prove I could do it and then would be denied the modification. I did that 4 or 5 times. I was charged XXXX  of dollars in attorney 's fees for this process every time it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is called bright money. They promise to build credit and giving you a consolidation loan at the end of the plan but only recorded my payments for three months. Then after that they just take money out my account without doing anything and sometimes twice a month. Its difficult for me to cancel and withdraw because it says I shouldnt withdraw without paying it in full because it would negatively impact my credit score. In reality the took way more than only three months of payments from my account. Also if I withdraw now I only get {$30.00}. Not all the other payments they took and made disappear. They are called Bright Money. I see on their social media that they do this to plenty other people.
Product: Checking or savings account

I submitted a claim with Sofi for 4 transactions that were declined yet still charged my account. The total of the claim was {$3400.00}. The claim was submitted on XX/XX/year>. I recieved a confirmation that this claim was recieved by sofi via e-mail in which they sent me the following information : [ XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have received your claim dated XX/XX/year> concerning the above-referenced transaction ( s ). This letter is to inform you that we have begun the investigation of your claim. If we are unable to complete the investigation within 10 business days from the date of your claim, we will provisionally credit your account so that you have the use of the funds until the investigation is complete. We will notify you if this occurs. ] When I submitted the claim, I informed them that I has the declined reciepts and was happy to provide them. I was told if the reciepts were needed they would reach out and request them. On XX/XX/scrub>XXXX XXXX XXXX I recieve an email asking for additional information. This was the XXXX business day from when my claim was submitted. On XX/XX/year> I sent them 2 email and provided them with 14 reciepts showing the declined transactions including a handwritten note from the teller Stating the transaction was declined as well. This was the 10th business day. I also called as was told by the agent that they were submitting a complaint on my end regarding not receiving the provisional credit and that I would get a response before the end of the day. I didnt receive until I notified today via email stating the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX, Thank you for providing us with additional information regarding the above-referenced transaction ( s ). 

The final resolution of your claim will be completed as quickly as possible. These types of disputes can take up to 90+ days to resolve but in most cases are resolved sooner. The results of the investigation will be submitted to you in writing within 3 business days after completing our investigation. 

If you have any questions, please reply to this email, or contact us at the phone number listed below. ] They confirmed reciept of the information I provided but failed to address the provisional credit update I requested and also failed to follow their own guideline they provided to me which stated " if the claim is not resolved within 10 days I would recieve a provisional credit. '' That also is supported by Federal Regulation E. 
When I reach out I get the run around and no one gives me any info other than " they will update me via email, '' which I never recieve. 

Please help me to get my provisional credit as I'm out of work and struggling. Or assist me to get this claim completed. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with Lexis nexis on XX/XX/XXXX and XX/XX/XXXX of this year and after 30 days they did not resolves the issue. 
When I call I was given a run around. They keep reporting inaccurate information to my credit report without proof that it is 100 percent my record. This is FCRA violation. These multiple violation go unpunished because Lexis Nexis think they are above the law and do not have to abide by the laws. 
the method of investigation under fair credit reporting act ( FCRA ) section 611 ( a ) ( 7 ) for the bankruptcy record ( USBK COURT XXXX XXXX  ) on my Credit report which was furnish and verified by Lexis Nexis. Under FCRA 611 ( a ) ( 7 ), the law afford me a right to accurate and complete investigation. I have a doubt that complete and accurate investigation was done since some of the investigation took only less than 24 hours after disputing with credits bureaus. The FCRA afford me a right to accurate and complete report. If the record is not 100 percent match the furnisher must immediately delete according to FCRA regulation. I do believe that Lexis Nexis mixed up my files with somebody with similar names. Lexis Nexis should furnish me with 100 percent proof that whatever being furnish to XXXX  is 100 percent accurate by matching my information with whatever is in those files. Above is my information including my Names, Address ( 17 years at the above address ) and my social with DOB. Under the FCRA 1681e ( b ), furnisher must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Matching only the last four digits of my social is not a maximum accuracy and it therefore violates FCRA and recent 11th Appeal court decision. Therefore, I am requesting the method of verification within 15 days stated under FCRA 611 ( a ) ( 7 ). I am also requesting that Lexis nexis furnish verifiable proof that this record belong to me. Most important FCRA is very clear about the time frame of investigation. Anything not verifiable within 30 days must be delete from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full a XXXX XXXX account through portfolio recovery collection agency. XXXX XXXX XXXX collected full- payment of debt Owed including interest on my late payments. XXXX XXXX e-mailed me proof of letter that they reported my account paid in full not settled. I have been trying to fix this with Transunion, since I have been on the phone with Transunion for two hours everyday before I can speak to a representative. I have attempted to fix this with Transunion all week I have been trying to update my report as paid in full and not settled. This is affecting my credit report and score. Its wrong for you to pay your debts in full and your report still shows derogatory and on top of that they told me that it will be like this for seven years regardless if I paid in full or not this is not OK this is not right how people abuse their title to do whatever they feel like doing on other peoples credit reports this is FALSE INACCURATE INFORMATION ON MY CREDIT REPORT As of right now my account is derogatory status and I was told by a Transunion representative that my credit report will reflect a derogatory status for seven years due to not paying in full that is not correct its in accurate. I have been trying to fix this a Transunion representative told me that they will fix it and update my credit to paid in full but when I went back to check my credit report my account was freeze. I called technical support as advised by Another Transunion representative. I called technical support they told me there was no freeze on my account whoever took care of this over the phone and promised to update my credit report didnt help me didnt do anything and did something to my account where I dont have access to it and no one can help me.
Product: Debt collection

I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Debt collection

I had a line of Credit with XXXX of XXXX, Ohio, XX/XX/XXXX, I was in the process of selling an old company, and was not getting alot of my mail, I was unaware there was a current outstanding amount owed to XXXX, on XXXX/XXXX/XXXX, XXXX XXXX XXXX ( XXXX ) filed suit against me with no notice, the address he used is not a valid address in the City of XXXX, it say 's some one signed for it but was not me and they could not make out the signature, per the court, I was not aware of the issue till I went to get a loan and a Judgement showed up on my XXXX credit files, so on XX/XX/XXXX, I sent a letter to XXXX and followed up with one of the Managers to resolve the matter, the manager understood the issues at hand and stated he would help resolve it, but he found out later that they had sold the account to the Law firm, and his hands was tied, he stated that they forwarded the letter to the Law firm, instead of trying to resolve the matter, XXXX XXXX XXXX, elected to file another lien to the bogus address, now because they where told to stop calling and harassing me, I thought that might be the reason the where not reaching out to resolve the matter, so I sent another letter with the offer to reach out to my counsel, we heard noting, less than 60 days ago, XXXX from there XXXX office ( XXXX ) XXXX at XXXX XXXX stating he was trying to collect this debt, when he told me who he was calling, I stated to him that I sent a stop order to the firm, he stated he did not care and that it was valid, I also told him that service was done to a bogus address, again he stated he did n't care, I told him that he was put his counsel 's law licences in to question he did n't care, I then reached out to XXXX, who want 's to do business with me again to see what they could do, they reconfirmed since they had sold it, they where out of the loop even thought they agreed that if they still had it and I was willing to pay the XXXX amount they would just remove it and clear the item, this firm has hundreds of complaints against them with mutiple states and agencies acrossed the country.
Product: Debt collection

I owed a credit from Citibank. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, CBNA/citi bank still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually CBNA will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.
Product: Credit reporting or other personal consumer reports

I have clearly outline that the inquires was unauthorized or fraudulent due to data breaches and unauthorized access to my credit information.

Automated processes like e-OSCAR often fail to resolve disputes adequately and I request a personalized response in hopes that I can bypass the inefficiencies of automated dispute systems and demand proper accountability for these fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX GM FINANCIAL REPORTED THAT MY ACCOUNT WAS 120 DAYS ON FOR A REMAINING BALANCE OF {$240.00} FROM XX/XX/XXXX AND XX/XX/XXXX THIS CAUSED BY CREDIT TO GO DOWN XXXX POINTS BETWEEN THOSE DATES IS NOT 120 DAYS!!!! 

I PAID OFF THE REMAINING BALANCE ON XX/XX/XXXX OF {$240.00} THIS REMAINING BALANCE WAS ON MY ACCOUNT FROM XX/XX/XXXX UNTIL XX/XX/XXXX AND WAS NOT INFORMED BY GM FINANCIAL NOT BY PHONE, EMAIL OR MAIL I DIDN'T KNOW UNTIL I CALLED TO FIND OUT WHERE MY TITLE WAS I WAS TOLD 3 DIFFERENT STORIES BY 7 DIFFERENT AGENTS. I WAS TOLD I OVER PAID AND WAS DUE A REFUND. I WAS THEN TOLD I HAD LATE FEES THEN I WAS TOLD I ONLY OWED THE REMAINING BALANCE. GM FINANCE AGENTS SEEMED TO NOT HAVE A CLUE.

I PAID MY BALANCE AND GM FILES WITH CREDIT REPORTING COMPANIES I WAS LATE 120 DAYS EVEN THOU I PAID OFF MY BALANCE.

I CALLED GM AND THEY WOULD NOT CORRECT THE ERROR SAYING I HAD TO DISPUTE THE CLAIMS MYSELF SO I SENT LETTERS TO ALL 3 CREDIT RPORTING COMPANIES AND I'M ALSO ASKING FOR YOUR HELP I BEEN WORKING HARD TO IMPROVE MY CREDIT TO HAVE GM FINANACIAL XXXX IT UP FOR ME FOR NO REASON. 

PLEASE HELP! 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX is inaccurate because this item is not belong to me I am requesting that the item be removed to correct the information. 
Enclosed are copies of Dl, SSN supporting my position. Please reinvestigate this account and delete it from credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Experian and XXXX are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. XXXX, XXXX, XXXX, Experian and XXXX are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. XXXX, XXXX, XXXX, Experian and XXXX have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). 
The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. 
The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. 
XXXX, XXXX, XXXX, Experian and XXXX have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report with the account number. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I believe this account is being reported inaccurately and I request an immediate investigation into this matter. 

The details of the account are as follows : Account Number : Date Opened : XX/XX/XXXX Status : Collection Account, {$420.00} past due as of XX/XX/XXXX Under 15 U.S.C. 1681i of the FCRA, credit reporting agencies are required to investigate disputed information within 30 days. I am requesting that you verify the accuracy of this account, including all documentation supporting its validity. If no such documentation exists, I ask that the account be removed from my credit report immediately. 

Please provide written confirmation of the results of your investigation. I have also attached a copy of my ID and a recent utility bill for identification purposes. 

Thank you for your prompt attention to this matter.
Product: Mortgage

In complaint XXXX, XXXX XXXX XXXX not state that Shellpoint did not receive money from the XXXX XXXX. She merely restates that I asked about it. Additionally, XXXX XXXX does not provide the work out agreement with XXXX XXXX. 

XXXX XXXX states that I signed a modification for {$78000.00}. XXXX XXXX leaves out that I was coerced into signing the document because Shellpoint threatened to take back the mortgage if I did not. However, I raised these questions with XXXX XXXX and XXXX XXXX at the time. XXXX XXXX also said that if I did not sign the document that Shellpoint could take it back. Additionally, Shellpoint had to reduce the incorrect XXXX because they had overcharged taken my escrow money and not applied it to reduce the principal. Thus, Shellpoint can reduce this amount. The modification can be corrected for errors. 

XXXX XXXX states they have gotten similar requests in hopes that CFPB will close the case. However, XXXX XXXX has not address providing the workout. Shellpoint claims that I did not qualify but again do not provide anything other than there altered records over estimating the amount of payments that I missed. 

XXXX XXXX keeps stating the 1098 was correct because they used XXXX. She does not state what the mortage amount due was in XXXX of XXXX.
Product: Debt collection

The original issue was with Macy 's Department store, who's accounts are managed by Citibank. Now a collection agency is jumped on the band wagon - XXXX XXXX XXXX. I have attached the communication in detail. Net message is My husband and I have had a Macy 's card since 1996, no late payments. We went to use our card twice and was told it was delinquent. I phoned Macy 's and found out that Citibank changed the name on the account to my sons and his wife, changed the billing address and social security numbers on the account. My son and his wife filed bankruptcy and had a Mastercard with Citibank - Citibank took it upon themselves to close the account because they said it was part of the bankruptcy. Please see the details on me trying to get it corrected. Now I am getting notices from a collection agency. All documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following company I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA.
XXXX XXXX XXXX AMT {$1200.00} The above company has not provided an original signed contract with my signature and therefore MUST be deleted from my credit report immediately.
Due to poor lack of investigation and communication I 'm requesting that all of the account be DELETED from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was sent XXXX via XXXX. As usual I was sent a text saying the funds were on the way and would be deposited into my account. The transaction was later cancelled by my bank because they hadn't turned on my " instant deposit '' and I am told there is no way for them to recover my money. Spent nearly and hour TWICE on the phone with the bank and got nothing resolved.
Product: Debt collection

I am currently in a  XXXX   XXXX   XXXX  with   XXXX   Assistance. I have repeatedly explained this to the creditor informing them that I do not have the ability of freedom to pay them as all of my income goes to my copay for my care.