23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I got a consolidation loan from Heights Finance in XXXX Ky in XXXX of XXXX for {$7200.00} I had problems when Goin in to pay my monthly payment. At the time they didn't except cards over the phone. I was told they weren't set up to do it at the time. I tried to break my payments down half at the beginning of the month & half in the middle of the month. They didn't wan na do that. They wanted all the $ rite then & there. For {$7200.00} they wanted me to pay back almost {$17000.00} that's over double what I borrowed. I tried to work with them like I do anyone else I owe! They refused to work with me. They took me to court & sued me for the XXXX On XX/XX/XXXX Which they over charged there as well plus there attorney fees etc... The agreement was? I pay {$200.00} a month until it was paid. I was late a few times on my payment but it was paid. I even paid 2 payments in XXXX. I called to make XXXX 's payment on the XXXX of this month & they refused it. I had been in the hospital XXXX XXXX XXXXXXXX & was a day late. They said I should of called to let them know? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are now trying to garnish my wages from my job on 40hrs a week & I don't work full time. I'm a part time employee at my job. Sometimes im luvky to get 15 hrs a week. Im a single mom. The wellfare of my child is the most important thing to me & she comes first. I don't want this to happen to anyone else!!!
Product: Money transfer, virtual currency, or money service

Problems with the incompetent company known as PayPal once again. This time they have " lost '' for payments totaling over {$800.00} dollars. 

The ID # s for the items sold on XXXX and the amounts are as follows. ID # XXXX in the amount of {$400.00}, ID # XXXX in the amount of {$70.00}, ID # XXXX in the amount of {$260.00}, ID # XXXX in the amount of {$79.00}. 

Paypal will give the excuse that they do not have personnel dedicated to resolving issues due to COVID 19. I did not know that you could catch the disease from a telephone conversation. Who knew?? 

Every effort needs to be taken to run the flim flam operation known as PayPal out of business. They have absolutely no business handling financial transactions of ANY nature. 

Complete incompetence. 

Thank you for your assistance. 

Kindest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My debit card got stolen and I got scammed chase provided a few of my disputes back through a credit well XXXX of the credits for XXXX got took back out of my account and XXXX stated that in response they dont have recovery rights to get my funds back I showed them proof of the police report they said its up to the police to get my funds back but Ive been in situations like this before and the police definitely wont do anything to recover my funds and the bank should have insurance over every ones funds or a charge back to the merchants bank XXXX for my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
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
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 # XXXX, has violated my rights. XXXX. XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 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.
Product: Credit reporting or other personal consumer reports

Despite this attempts now to have these inaccuracies corrected, the fraudulent items remain on my report, significantly impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been inaccurately listed on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. The following items should be remove as soon as possible : 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 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 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

Equifax My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The XXXX XXXX has mailed me letters which states that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collects information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX XXXX XXXX due to the Fair Credit Reporting Agency PRIVACY LAW.

My request to the XXXX XXXX XXXX XXXX confirmed Equifax has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and XXXX  information currently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately. 

The Equifax needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report along with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and/or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint to the Federal Trade Commission and will follow with a Consumer Financial Protection Bureau claim if you fail to respond within 30 days of receipt of this dispute.
Product: Debt collection

Southwest Credit is reporting on my credit reports that I owe them {$150.00}. I have never heard of this company nor do I have any debt with them. They said they are collecting on behalf of XXXX. However, I haven't had a XXXX account in over 10 years and that account was closed and paid in full. I asked Southwest Credit to provide proof that this debt was mine back in XX/XX/2018. The company has yet to respond nor do they follow up with my request.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 40 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

I owed medical bills about $ XXXX have been paying bi-weekly {$100.00} since XXXX. Never missed a payment once, nor have I ever been late with XXXX payment. I asked if I can have my payments put on hold for XXXX months while I get back on my feet because I fell into hard times. Ingenuity RM told me that they would work with me but I'm at risk of going into wage garnishment if I didn't keep in contact with them in XXXX months. I NEVER received any paperwork in the mail or a phone call from Ingenuity RM stating they were going to start with garnishment. When I spoke with Ingenuity RM they stated that papers were filed and sent out XXXX month after I put payments on hold to start garnishing my wages when they clearly stated they would work with me and wait the XXXX months. I'm sure their calls are recorded. Also my employer didn't make me aware when they received papers. I was completely unaware of this. Today XX/XX/XXXX is the first time I was made aware of what is happening because I spoke with my employer and asked why so much was taken from my check. My employer responded " it's a garnishment from the state. '' When I got paid this last XXXX  XX/XX/XXXX my check was significantly lower than usual I never got any notification in the mail I was going to be garnished my employer never let me know and now Ingenuity RM is telling me it's too late they're going to continue to garnish my wages 25 % even though I already paid at least XXXX if not more. the amount of the debt I have owed in the first place was XXXX and something since I started making payments. they will not let me start a new payment plan even though they agreed to let me put my payments on hold for XXXX. Also they are not willing to drop garnishment to 10 %. Please help! I can not live off of the money I'm receiving now that they are taking a majority of my check. They take 25 % before federal and state taxes and XXXX, Social Security, my health-care medical from employer. Then I'm getting deducted from all of the other things I listed above. This shouldn't be legal. I've paid way more then the amount of debt owed XXXX And Ingenuity RM are saying I still owe $ XXXX. I'm not even sure how much interest I'm being charged on all of this everyday. I really need help moving forward. Please!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have caused considerable harm to my credit history and financial stability. 
I have been a victim of identity theft, which has resulted in several fraudulent accounts and transactions appearing on my credit report. I have reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required. However, these fraudulent items continue to tarnish my credit history, negatively impacting my creditworthiness. 

I have submitted multiple dispute letters to the credit bureaus, explaining the fraudulent nature of these entries and providing all necessary supporting evidence to substantiate my claims. Despite my numerous attempts to rectify these errors, the response from the credit bureaus has been minimal, and the fraudulent items have not been removed from my credit report. 

I understand the importance of maintaining accurate credit reports and am committed to restoring my financial integrity. It is crucial that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions if these discrepancies are not resolved promptly. I hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the following fraud items : 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
Product: Credit reporting or other personal consumer reports

Consistency of incorrect information, I have asked on my different occasions to delete and update information. The information remains incorrect. Trans union, XXXX, and XXXX.
Product: Debt collection

I am continually receiving collection phone calls from Credence Resource XXXX I was given a reference # XXXX re : a XXXX bill. My insurer has confirmed this bill to be paid to the original debtor XXXX XXXX XXXX. 

However, Credence continues to call me XXXX regarding this bill which is no longer owed. 

I phoned XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) and they have confirmed that this bill has been paid and that they do not deal with Credence for collection. Additionally, accordingly XXXX XXXX XXXX never sent this bill for collection. 

How do I make these collection phone calls to stop?
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 the FCRA, 15 USC 1681. XXXX and TransUnion are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given XXXX, Transunion, XXXX or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Name XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that there is a Capital One Account balance {$510.00} that does not belong to me. I had my identity stolen and had a police report submitted. I ask that this account be removed from my report and any hard inquiry attached to this account be removed.
Product: Debt collection

In XXXX, I was a victim of identity theft and as a result credit cards were opened and non-authorized charges were made. I filed a Police Report on XX/XX/XXXX with the XXXX XXXX Police Department in Florida. 
Since then, Portfolio Recovery purchased two debts that were charged off because XXXX XXXX XXXX XXXX did not process the identity theft documents I send to them at that time in XXXX. I disputed the two accounts in XXXX and again in XXXX, XXXX and XXXX of XXXX. I filed a FTC Identity Theft report and also completed ( Portfolio Recovery 's ) their in house ID Theft affidavit. The correspondence that is attached from this month is stating that they are not removing it and will cease to investigate the account and the other is stating that I did not send any additional relevant information. 
In summary, they are continuing to collect on accounts created in fraud and have ignored my repeated requests to have these accounts closed. I even attached a letter from XXXX XXXX  where they have acknowledged that I made a claim for identity theft. 
I have provided all of the documentation and reports for Portfolio Recovery to remove these two accounts and stop collection, however they are still considering these as verified debts. They bought these two accounts from the original lenders and have no history or way to prove their position. At this time, they are breaking the law and so are the credit bureau who have been informed of this situation.
Product: Credit card

I paid off my Chase Freedom credit card in full AND I still got charged interest! They said it was because I needed to pay off my credit card in full two months in a row, to not accrue interest. That 's the first time I 've ever been told that!!!
Product: Prepaid card

XXXX  dollars miss 2 mouths ago  sent XXXX XXXX account I think family use cove track think fake paperwork sent to me from direct Express 
Use trafur money account with ask me benefits of  XXXX XXXX account. Soon get mide together may be get rest
Product: Mortgage

I have an existing mortgage that has been sold a number of times. The mortgage is at least 15 years old, condominium, and my primary residence. I am a retired XXXX XXXX County employee and veteran of the XXXX. The latest company to hold the note is Shellpoint Mortgage Servicing, who placed forced XXXX XXXX on it without any communication prior to increasing my escrow payments from {$71.00} a month to {$530.00}. a month. It increased my monthly mortgage payment from XXXX a month to {$1300.00}. 
I have since provided them documentation proving the required insurance coverage and they are " supposedly '' reviewing and will then re-evaluate my escrow requirements. From my numerous phone calls I have been led to believe this will soon be straightened out but until Shellpoint Mortgage Servicing took over the loan there was never any problems like this that could and would put me at risk to lose my home. Are mortgage companies not required to notify customers before placing hazard insurance and verifying whether such insurance already exists? The fact that Shellpoint identifies as a Debt Collection firm rather then a a Mortgage Company implies the consumer has done something wrong, instead of a client with a home loan. My once affordable home has been relegated to a debt I can no longer afford by simply being sold to New Rez, XXXX  Shellpoint Servicing. 
There needs to be legislation enacted that protects home owners, especially retired home owners on a fixed income from predatory practices demonstrated by the actions of Shellpoint Mortgage Servicing.