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

Bought a mattress from Macys XX/XX/XXXX I did not have enough credit available on my regular card. The salesman called Macys and received approved for {$3800.00} and did not explain that this was a 24 month program and if I did not not pay if off during that time I would be charged {$2700.00} in XX/XX/XXXX. I have made regular payments on this account since then and today got my statement that shows a balance {$5500.00}. I mentioned that the salesman did not explain the details of this type of account and that I was in no position to pay it off to avoid the extra charge. They offered me arrangement to may {$840.00}. for 3 months until XXXX and they would waive the {$2700.00}. I stated that due to the COVID-19 pandemic I was not able to make such a payment and was in a mortgage forbearance with my Mortgage. Again, had the salesman gone over the details of the credit, I would not have made the purchase that day. They should have explained the details. Now I own more than the mattress cost. I will be pay double the amount. I talked with 2 customer service reps and 2 superviser. They did not offer any reasonable solution. SHAME on MACYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company has stated that my account for XXXX XXXX XXXX was updated but never once has proven that the debt belongs to me with proof of my signature. They have failed numerous times to provide proof of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted by background check to checkr throught the XXXX  app on XX/XX/2023 at XXXX XXXX XXXX. I was working for uber at the time and my account has now been suspended due to checkr not providing my background check in due time to the company. XXXX had giving them a month to provide my background check and they still have not provided it in time. My account was suspended XX/XX/XXXX after I had completed a ride because checkr had not completed my background check in due time. I don't understand why its taking them so long to complete a criminal county background check. They are also not giving me any other alternatives to provide documentation to help complete my background so I can work. This is affecting my income and ability to work on the uber platform due to checkr not taking the appropriate to complete my background check its been over a month and 2 weeks.
Product: Debt collection

I get calls every day from Monday to Saturday at work and at home. I get emails at work. Today, I got an intimidating call from someone asking me for my social security number in the middle of a workday. Who does this? I asked them who were they. The guy says, " we verified your place of employment '' As if he was coming to my job. This is so rude. 
I have attached a copy of emails and phone calls.
Product: Credit reporting

After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, AFFIRM INC Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights.
Product: Vehicle loan or lease

My vehicle was recently repossessed on XXXX My lender Santander has done a sub par job at allowing me to reconcile the account in hopes to refinance with a new lender. I was given a date in which my vehicle would be sold in auction which was XXXX I was told by Santander that I had the option to refinance with a new bank before the car was sold in auction but when I went to refinance my car with new lenders, we were told my account with Santander was closed and reported to the credit bureau. I reached out to Santander alerting them of this issue and how it contradicts what they previously told me. Santander charged off the account after telling me I had until the car was sold in auction. Because my loan was a secured loan that is negligence on their end. I was never given a chance to reconcile my account with them. After telling them this, they then issued me another date that the car would be sold in auction. Which is XXXX   This doesnt help my case at all because they are unwilling to remove the charge off that they prematurely put going against the rules of a secure loan. Ive been stalled, ignored, and passed along by Santander through this process. The issue lies with Santander prematurely charging off my account. Leaving me no chance at refinancing with a new lender. Ive exhausted all options with them and feel like they have taken advantage of the fact that this is my first time dealing with this issue and having a car. This is a time sensitive Matter and Santander has left me with no other choice!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute on the Experian XXXX platform informing Experian of an inaccuracy on my credit report. Experian has failed to remove a judgment which was satisfied after multiple cemail inquiries. I have made phone calls at least every other day since XX/XX/XXXX and  have taken all possible steps to resolve the matter. The Experian phone system refused to provide me with an agent or live customer service representative despite repeated requests on the telephonic system The amount of the judgment was over 18k and it was satisfied. I provided Experian with copies of the agreement between XXXX XXXX and  the satisfaction of judgment. 

The company stated the dispute was logged since XX/XX/XXXX and assigned to an agent but no follow up correspondence. This has caused me great harm because we are trying to get an XXXX loan to begin to  recover from the effect of COVID-19 on my business. This is disgraceful.
Product: Credit card

I have been a consumer with Kohl 's since XX/XX/XXXX-XX/XX/XXXX. I have been working very hard on my credit reports to get incorrect information removed. I see that Kohl 's has late payments listed that do not match my credit report.
Product: Mortgage

Ocwen, the " debt collector/mortgage servicer '', is taking money in escrow for flood insurance but refusing to pay the flood insurance on my property. Additionally, they refused to close my escrow account saying that my flood insurance is n't paid, yet I have faxed to them twice my current/paid flood policy declaration.
Product: Debt collection

I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records XXXX XXXX XXXX. XXXX
Product: Mortgage

Hello. My complaint is with SLS XXXX XXXX XXXX, XXXX XXXX XXXX co, XXXXthey are servicing my loan, in which i am in the midst of loan modification. They are in the habit of waiting an hour before my trustee sale to notify me of missing documents. I had a trustee sale date set for XXXX XXXX, and up until XXXX XXXX i was told that my package was complete. i was following up with them every 2 hours to make sure i had a complete package and on XXXX XXXX, i was notified a document was missing and if i sent that document to them, they would postpone the trustee sale. I did send that document 10 times, they received it and told me they wre postponing the trustee sale. at XXXX XXXX on XXXX XXXX, one of their employees advised me that i was misinformed about postponign and the bank is proceeding with the trustee sale as planned. it was too late for me to take any action, even if i was to reinstate my acct, it was too late. I did a bankruptcy at XXXX XXXX that same day to postpone the trustee sale and schedule some kind of reppayment plan. the trustee sale was postponed bcuz of the bk and they started reviewing my loan modification it has been a month, no response, and i have trustee sale set on XXXX XXXX. i am asking them to postpone the sale since all the documents are in, and i am being reviewed. but they are not postponing. they are waiting as before to the last minute to deny me or advise me of documents missing. can you imagine, one whole month has passed and they are not doing anything with my file and waiting for the day of trustee sale to advise me of status. 
I am requesting for them to postpone the trustee sale since all documents are in and i am being reviewd. it is not fair for me to be notified of a denial decision the day before the trustee sale at XXXX XXXX. please review their procedures to see if they are within rules of the law.
Product: Debt collection

Between XXXX and XXXX CHASE transferred money from my credit card that I had with them to a XXXX XXXX  fake account! I called them many time about this! They said " we take care of '' but they did not! I canceled the card in XXXX and paid Chase what I owe them! NOW 4 year later the sent me a letter saying that they will keep reporting me to the credit reporting people until I pay they their blackmail money!!! I been fighting these card companies that work with discovery bank in stealing money from me and others!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute through XXXX on XX/XX/2020 and received investigation results on XX/XX/2020 on XXXX.com stating the two items had been removed but only shows on the website. However, when I've disputed items before I received a pdf with the investigation results that I am able to keep with my personal records. When I asked XXXX, they stated I would have to reach out directly to TransUnion to receive that info via a printable document. Upon reaching out to TransUnion, they stated they sent to me via email, and I stated I never received and asked them to verify what e-mail they sent to so that I could verify and see if that is where the error was. TransUnion could not verify or even see what e-mail they sent it to, and then I was told they can not re-send me a copy via e-mail or standard mail, UNLESS is it subpoenaed. I can't get a copy of investigation results??? This is absurd. I'm not asking to re-investigate or even dispute the investigation results, I just want a copy of something saying that, as I have received when disputing items previously. This is completely absurd.
Product: Mortgage

Last year on XXXX we had trouble paying because my wife lose her job due to COVID and we spent our savings paying for all, we requested the COVID forbearance, we just skipped few payments on XXXX we approached Freedom mortgage, they said we qualified for refinancing and sent us some paper work we motorized and sent it back, the bank said the notary messed up the documents, they sent another one with another notary they received it XX/XX/XXXX In the process we kept paying monthly what they said we should pay with the refinancing, today XX/XX/XXXX that havent refresh our account, the system shows we are way far behind, the money we have been paying is on the payments history but it has not been applied. We have been calling every two to three weeks and they say sorry about that, they are getting behind but no resolution, I was reported on the credit bureau,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  company is reported bad credit for {$500.00}. Late payment I do not have any account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a personal loan from Prosper in XXXX. The first payment was deducted from my bank account automatically. I intentionally made a second payment thinking I was paying ahead. I made this extra payment because I was in the process of relocating to another state. Therefore, I didnt want my payment for the following month to be late since I was also starting new employment. When Prosper called me the next month saying my payment was due, I asked the representative to check my account and see I made an extra payment on my account. She said she could see the extra payment but I still owed for the new month. The company began to harass me over the payment. 
I have since paid XXXX towards the balance which is approximately XXXX. But I received notification from a credit reporting agency that my credit report has a 30 day late which has impacted my credit report causing my score to drop XXXX points. Prior to this incident, I had a perfect payment status. 
I called Prosper an spoke to a supervisor. She informed me there was nothing she could do even though she verified I made the extra payment in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Thank you, XXXX/XXXX/XXXX
Product: Mortgage

I am a victim of predatory lending practices which targeted uninformed minorities seeking homeownership. On XX/XX/XXXX, XXXX wa pressured into aquiring a home equity line of credit before closing the deal on the primary mortgage. At the time I was not informed about mortgages or HELOCs and signed contracts through deceptive sales tactics before given the opportunity to consult with an accountant to determine if I could afford the loan without causing finacial hardship. I was preyed upon due to lack of understanding about loans. terms, and financing. I struggled to keep the second mortgage current and eventually defaulted due to severe finacial hardship. I made the last payment in XX/XX/XXXX to XXXX XXXX. 
Due to the status of the economy after the mortgage meltdown ( toxic loans ) I enrolled in a home modification program, Hardest Hit Fund Principle Reduction through XXXX XXXX XXXX that forgave partial principle on the first mortgage. I was told that the HELOC qualifed for forgiveness as well and I applied. When I recently attempted to refinance my home the second mortgage appeared as a lien. I was never contacted by any lender in twelve years until I intiated contact to resolve the issue. I was under the impression that the second server, XXXX XXXX had forgiven the loan. I've reached out to XXXX, XXXX XXXX, and Loan Care ( sub server ) and continue to get the runaround.
Product: Debt collection

On XX/XX/21, Macys ( the department store company ) called me about what it claims is a past-due payment on my Macys credit card ( hereinafter, MCC ). I informed the Macys agent that I was unaware of any account balance, which the agent said is greater than {$2000.00}, or that a payment in any amount was due and that, furthermore, I had never, prior to the subject phone call, received any communication from Macys informing me of such indebtedness. During the next half-hour-plus of phone time, about 80 % of which I spent on hold, the agent neither informed me of the amount then due nor would he direct me to an online site that would provide an accounting of my transactional history. A second phone call with Macys, which lasted another approximate half hour ( 90 % of which time I spent on hold ), again yielded no information about MCC transactions. Later, that same day ( XX/XX/21 ), I received a no-reply email from Macys ( time stamped XXXX ) stating : Your Payment is Past Due. The email did not indicate the amount due nor did it direct me to a web site for additional information relating to my account or alleged indebtedness. Having already spent more than one hour ( mostly on hold ) during two phone calls with Macy 's, I am now reluctant to again subject myself to such hold-and-wait abuse with no results.
Product: Mortgage

PNC Mortgage ( PM ) sold my property ( XXXX bedroom Condo ) loan # XXXX ( {$200000.00} at 5.5 ARM ) in foreclosure to Federal Home loan Mortgage ( XXXX XXXX ) on XXXX/XXXX/XXXX at XXXX for {$130000.00} after agreeing to a loan modification. PM dual tracked the loan modification process using lawyers XXXX XXXX XXXX XXXX and sold the property using auction house, XXXX XXXX. ( Case Case XXXX of the Circuit Court of XXXX XXXX County ). PM represented by realtor XXXX XXXX of XXXX XXXX gave me instructions to vacate the property and i did. I moved in with family at XXXX, XXXX XXXX, Maryland. The completed sale of the above property and its terms were mailed and communicated to all stakeholders of the property including my Condo Owners Association ( COA ) lawyers XXXX XXXX XXXX and XXXX on XXXX XXXX, XXXX. Two whole years went by, uneventful. Precisely XXXX XXXX, PM started calling me incessantly. They offered to do a loan modification if i successfully completed a 3 months trial period. I did, but when I went to look at my property, i found squatters and dogs on the property. I went to court with advice and representation by Attorney XXXX XXXX XXXX to evict them. The last of the squatters was evicted by Maryland Sheriff Department in XXXX of XXXX. The loan Modification was completed XXXX XXXX and to my Surprise, PM added over two years of payments ( this is the period for which they had sold the property to Federal Home Loan Mortgage, XXXX/XXXX/XXXX through XXXX XXXX ) to my loan modification total. I complained bitterly on the phone many times to XXXX of loss Mitigation ( my appointed point of contact ) at PM and in writing about my loan modification arrangement demanding a change to my loan modification. I wrote letters dated XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but they would not investigate nor correct nor make the necessary changes. Matters have gotten really worse because my Condo Owner Association ( COA ) lawyers XXXX XXXX XXXX XXXX XXXX XXXX. of XXXX has being pursuing me for COA fees that I do not owe. This was fees for the period that PM and XXXX XXXX took possession of the property. Liens upon liens on my property, penalties upon penalties, fee upon fees to the tune now of about {$40000.00} and collection letters is being falsely appropriated to me. I am sick and tired of being harassed, bullied and taking advantage of by both PNC Mortgage and my COA lawyers XXXX I need your help to correct this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute process began in XX/XX/2021. Upon reviewing my credit report I found a tremendous amount of errors. I immediately gathered all of my credit reports from XXXX, Equifax, and XXXX. None of the accounts had consistent information such as personal information, date of last activity, and reporting payment history after the accounts were charged off. I did not want to appear frivolous, so I tackled a few at a time however ; with such hard time they were giving me, I could not handle the rest of the errors. 
My accounts has been under investigation now for 60 days.
Product: Debt collection

I have a medical collection from a practice that I have not associated for several years. At the time of my last visit with them my account was current with no debt owed. I have a collection acct on my bureaus- I was able to dispute with XXXX  and it was removed, however it remains on the other bureaus. I have never once received any bill or indication of what this amount is from. I have checked with my insurance and there were no claims submitted for this time frame.
Product: Vehicle loan or lease

My loan with Wells Fargo Dealer Services was paid in full in XX/XX/2016 ; however the company still has an active lien on my title. After nearly 3 years of having the loan paid in full, this should not be the case. After trying to contact the company through their customer care department and social media, my attempts to have this corrected have been unsuccessful. I need this issue to be rectified ASAP so that I may gain access to the title for my vehicle.
Product: Money transfer, virtual currency, or money service

Friday XX/XX/2020 my cash app account was locked again do to false accusations of suspicious activity that was not committed I simply tried to add money from my bank account to my cash to pay a bill that is due I dont understand why cash app continuously locks my account for no reason.