23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently refinanced my loan with New Rez Llc. Account # XXXX. Effective XX/XX/XXXX. My payment was to begin XX/XX/XXXX. I received a collection call from my previous services XXXX XXXX Account # XXXX. My XXXX payment was late with XXXX XXXX and I was being charged a late fee of {$85.00}. When I advised them my account should have been paid off I was told the wire was short by {$3600.00} and rejected by XXXX XXXX on XX/XX/XXXX. I was not advised by New Rez that my loan was not paid off or that any action was needed. No one ever reached out to me. The wire was rejected on XX/XX/XXXX and I had since received my mortgage coupon from New Rez to begin my payment as of XX/XX/XXXX. I contacted my loan officer XXXX XXXX who was unaware of the situation and said he would look into it on XX/XX/XXXX. I currently have 2 mortgages out on the same home with a XXXX payment due with loan care for {$2100.00} and a XXXX payment due for {$1800.00}. No one seems to know whats going on. I did call and leave a message and sent an e-mail to the manager for lending for New Rez XXXX XXXX and have not heard back. I called the number for New Rez on my mortgage coupon and reached a company Shell Point Mortgage who said they were servicing my new loan for New Rez and could not offer any assistance. When I requested a supervisor I was then cold transferred back to New Rez. Shell Point Mortgage is not advertised anywhere on my mortgage coupon. I am very frustrated and feel mislead. I cant seem to get any answers and need help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX credit card. They changed their bank from XXXX to Barclays. Yesterday night I requested for credit line increase and without my consent or informing me they pulled hard inquiry on my credit report. I spoke with two customer representatives yesterday night for an hour and they failed to help me with this. Today I spoke with a manager who also failed to help me with this. This is extremely unethical way of pulling hard inquiries. I do business with other credit card companies and they never pull hard inquiry when requesting credit line increase or if they need to they seek for my permission. Barclays did not take my consent.
Product: Money transfer, virtual currency, or money service

I opened a Blockchain with {$5000.00} on the account to do trading and send money to another XXXX wallet I had, but I had problems with blockchain sending the money to my other wallet. 
I tried canceling and try again but it didn't work. I tried sending the money back to my account and when I did the transaction it said it might take up to 5 business days, however, this was back in XXXX. I keep trying to get in touch with the customer service team but I don't get any answers.
Product: Credit reporting or other personal consumer reports

I was a victim of inaccurate reporting and this is another request to follow up the removal the inquiries from my credit file resulting from alleged inaccurate reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this issue in my previous complaint and letter & I am including it again with a new FTC report XXXX. Also, the information you provided on these inquiries is UNKNOWN to me and was REMOVED from other bureaus and I have doubts about their accuracy. 
EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. This complaint is to notify you if you do not REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your LAST NOTICE. Please REMOVE the INQUIRIES resulting from alleged inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however Transunion, XXXX, and XXXX continues to allow XXXX XXXX XXXX to break the rule. They have exceeded the time long before I made this complaint. XXXX XXXX XXXX has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ).

I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX Sezzle XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Mn, XXXX Account # XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

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

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

Dear MR/MS, I am writing to file a formal complaint against Affirm due to their deceptive and unfair practices in connection with a service provided by XXXX. Despite the fact that I legally canceled the service within the allowable timeframe, Affirm is now demanding the full payment for services that were not fully rendered. 

Background : On XX/XX/year>, I entered into a verbal agreement with XXXX for a XXXX job search service, which was supposed to include five job interviews over two months. 
XXXX provided minimal services during the first month, such as market analysis and resume materials, but no interviews were conducted, which was the core of the agreement. 
Due to personal circumstances, I canceled the agreement before the end of the first month, which is my legal right under consumer protection laws. 
I later found out that XXXX claimed that interviews would start in the second month, but this was never communicated to me prior to the cancellation. 
Despite the cancellation, Affirm is now demanding the full payment of {$1200.00} for the service. They are rejecting my dispute, even though I canceled within the first month and never received the full services I was promised. This demand for full payment is unjustified and based on misrepresentation of the agreement 's terms.
Product: Credit reporting

I, XXXX XXXX believe that the credit bureaus such as Equifax are essential to the American credit community. The system of credit reporting is massive and the credit bureaus are not given the credit they deserve serving hundreds of millions of consumers and millions of businesses in America. Sometimes, when a consumer has a legitimate complaint against how a certain subscriber is reporting a credit payment history, a bureau such as Equifax can not be blamed for an indiscretion because a corporate subscriber break the rules that should be applied equally from the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Accordingly, I respectfully request a follow up from a complaint I filed directly with XXXX. My complaint response is # XXXX. My complaint was very specific. My consolidated student loans were never paid on as they have always been deferred. I graduate from college in XX/XX/XXXX, and my consolidated loan payments begin XX/XX/XXXX. It states that fact right under the STATUS of the account numbered # XXXX. However, XXXX shows no 30-day late payments, but a 60-day late for XX/XX/XXXX, and a 90-day late for XX/XX/XXXX. There are several other accounts that show a XXXX balance, loans that were consolidated and there was never an established payment history. XXXX already cleared the late payments on my XXXX credit report, but did nothing on my Equifax report. These negative items on my credit report hurts me personally, as I am a XXXX woman trying to better my life as well as the lives of my family. I believe that the XXXX should correct my credit report by removing all payment histories since I am not and have always been in a deferred payment status. I respectfully request a reinvestigation by Equifax to assure me that the XXXX abides by the subscriber agreement they have with all credit bureaus, especially Equifax. All my old accounts that were later consolidated should have all payment histories deleted permanently. There is no excuse for XXXX making such a personal hardship on me, since I have done everything requested of me by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the complaint for incorrect accounts in Exparian, and XXXX the bureau ignored my complaints. I need this to remove in my file. 

Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I deposit a cashier check from XXXX XXXX XXXX XXXX for {$1000.00} on XX/XX/19 at U.S. Bank location at the XXXX XXXX XXXX XXXX XXXX, Mo XXXX. On XX/XX/2019 check online banking stated funds are completed but not transfer into my checking account unable to pay my mortgage for my XXXX payment unacceptable and Im not trying to pay extra interest per day and my mortgage payment is still past due because funds are not deposit.
Product: Vehicle loan or lease

On the XXXX XXXX XXXX I was hospitalized and had a high risk procedure performed XXXX XXXX XXXX and had XXXX XXXX treated. I have always paid my bills on time. I paid my bill on XX/XX/year>. I paid {$700.00} but saw on the first my bill was past do over {$500.00} I spoke with XXXX and was told it would cost me XXXX in interest alone to defer the payment. I can not afford this type of predatory interest, I am totally XXXX and can never work again.
Product: Credit reporting or other personal consumer reports

Experian did not verify my disputes it took them less than 24 hours to come back and say it was still on my report.
Product: Credit card or prepaid card

I made a payment of {$1500.00} from my XXXX personal checking account to my Chase XXXX credit card to make payments for my hotel stay on a foreign trip. Upon charging my card this morning, the payment was declined for insufficient fund when it is showing that the payment had gone through. I reached out to the Chase XXXX credit card and I was informed that my payment was put on hold for a week. I explained to them that I had made this payment to the card to cover for my hotel stay now I am stranded at a Hotel in a foreign land and every attempt I made to resolve my situation with Chase XXXX credit card representative and their supervisor to release the payment that is showing had gone through to allow me pay for my stay was unsuccessful. I have to reach out here because this is wickedness and inhumanity by this financial institution to hold back my money and putting me in a very frustrating and embarrassing situation, and they refused to do anything about it. Now I am stranded in a XXXX in XXXX, unable to pay for my hotel stay because of this credit card company.
Product: Checking or savings account

XXXX I had a checking account with Chase Bank. The balance of {$8.00} was supposedly negative that I paid prior to a collections. JP Morgan Chase, XXXX XXXX branch still reported me to a XXXX XXXX credit bureau and when addressed in person, they assured me this would be immediately corrected. I still can not open a bank account and want all negatives removed from their erroneous actions immediately.
Product: Vehicle loan or lease

Unfortunately my lack of knowledge concerning loans and refinancing has me in a car loan that is now upside-down. I paid cash for my car 11 years ago. I was asked on XX/XX/XXXX to co-sign/co-borrow for a XXXX XXXX XXXX  XXXX, I told the sales manager I was not comfortable with the amount of the finance charge or the length of the loan. As I am on XXXX, and did not want a debt I would normally not get myself in. Amount financed {$15000.00} which includes {$290.00} for the Gap Addendum Waiver, had I known I could get that on my own instead of adding it to the amount financed I would have not agreed to it. And yes this is a subprime loan but even with a co-signer Sierra Auto Finance charged 20.58 % APR making the finance charge {$11000.00} almost as much as the car! After 72 months the total of payments is {$27000.00} for a used car. The manager assured me the loan could be refinanced without me after a year of on time payments, what he did not say was no one will refinance a car that is 10 years old and it was at the end of 9 years when we signed and 10 by the time I found out. On XX/XX/XXXX we went to a car lot and they ran a report and due to a wreck and potential odometer rollback that we were not told of, they offered {$3000.00}! The payment is {$380.00}, but he did not explain that it is a simple interest contract and the finance charge is charged daily from payment to payment not due date to due date, so if you pay 2 weeks before due date and think your ok until next due date, they are going to be charging you finance charge for XXXX instead of XXXX so basically you are screwed. Earlier in that week of XX/XX/XXXX we had signed a contract for a XXXX XXXX from XXXX XXXX, 60 months and {$5000.00} cheaper but Sierra turned that one down but approved the higher priced one. In my contract that XXXX XXXX XXXX XXXX, the company that is servicing the loan now, the one they sent to CFPB, the dealer section is actually from the XXXX not the XXXX. After I found out about not being able to refinance the car I called Sierra and explained the situation and asked if they would refinance and was told they do not refinance their own loans. I have a copy of the sales contract where XXXX XXXX XXXX  XXXX, buyer has same last name as CEO of XXXX XXXX, they bought the car from the auction for {$8700.00}, the finance charge is more than that, and I am paying {$27000.00} for the same one that will be 15 years old by the time it is paid off!
Product: Credit reporting or other personal consumer reports

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Money transfer, virtual currency, or money service

This is my 3rd complaint against paypal with no real resolution or provided a way to resolve. 
Previous complaint first on XXXX, # XXXX second complaint was made on XXXX, # XXXX Please see to these previous claims also please be advised that on XXXX this claim was done over the phone. 
I have tried several times to resolve the issue with PayPal and yet still nothing the response to my claim on XXXX complaint # XXXX makes statements about my unemployment benefits with that said here 's a copy of my unemployment tax forms please note that during this time all banks and other establishments were closed I did not have a way to get a new ID which state of XXXX  also no Bank would open an account for me due to pandemic as well as my ID being from XXXX  my benefits from XXXX unemployment are not fraudulent and statement to prove is being provided. 

Next steps I will Take at PayPal 's expense is to court.
Product: Credit card or prepaid card

I recently created my own XXXX XXXX. I was looking into various Business Credit cards. Since I have been a member of American Express since 1999, I wanted to make sure I viewed what they had to offer. I researched extensively online, and I noticed that the business American Express XXXX XXXX card offered 1 year of XXXX and XXXX in form of account credits. 

You may view the details of the offer at this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was perfect for me since I may need to hire a few people this year. I finally called the number and let them know I wanted to open an AMEX XXXX XXXX XXXX Card. They took my application over the phone. Once approved I would call and ask them if they had a tracking number for my card, and since I was already on the phone I asked them to confirm the benefits of my card to make sure XXXX was included. 
This was confirmed. When I received the card I wanted to confirm that I had that offer. Because this feature was the only reason I went with this card. I was told that this offer was online applications only. 

I called executive customer service and filed a complaint. I received a call from XXXX XXXX from their department and she said that since in the phone call that I applied for the call I did not mention anything about XXXX XXXX that they would not be honoring an offer. I thought that in that call I did mention it, but at that point I had done so much research online that I was completely sure it was included in the offer. I explained to XXXX that I even called after I was approved for the card to confirm the XXXX offer and a rep on the phone said it was included. She said that it did not matter and it would not affect her decision. 

This makes me very upset because I currently hold a personal AMEX cards where I pay over {$800.00} a year in membership fees. This business gold card would make my yearly total over $ 1,100+ a year in membership annual fees. And their website/marketing shows that these offers are part of the offering. The website even has a button that says, call in to apply. It doesn't say anywhere that this is an online only offer.
Product: Credit reporting

As repairing my credit with XXXX for the past 3 years my score has been improving. Recent desires to buy a auto, I applied for a loan at my bank a credit union to be turned down. I then checked back with XXXX, my XXXX XXXX, EQUIFAX SCORE IS XXXX, BUT has 2 fraudulent XXXX accounts in collections from XX/XX/XXXX for XXXX & XX/XX/XXXX for XXXX. Their is also a tax lien from XXXX for XXXX paid marked paid as of XX/XX/XXXX. So I attempted to dispute these items XXXX no problem 1 XXXX already removed no tax lien. As i filled out Equifax information it stated items were inaccurate, it took me to another screen. I filled out this long information on the 3 items to dispute and sent off. Well no email not dispute # created notta. I called to actually speak with a representative, again you jump through hoops to get a actual rep. Then we go through vital verification info name, address, ss #, DOB, then security question of recent inquirer 's so one of the institutions I attempted to get a car loan at put in the wrong DOB for me, and now I have to jump through hoops to verify I was born! Then jump through hoops to dispute fraudulent claims and a non updated removed tax lien from XX/XX/XXXX PAID IN FULL 5 months after reported on my credit! Geeze XXXX XXXX XXXX! I 'm sorry my husband became XXXX from the XXXX at XXXX XXXX! I 'm sorry I lost my job caring for him! Yet tax lien was paid 17 months late! Equifax is a XXXX in their accountability to consumers, you have to sign up and pay in their direct web site, someone can inaccuracy report a DOB and you the consumer has to jump through hoops to prove your own identity, oh yeah they wont tell you which company either! Equifax even though you submit this other long dispute form does n't even generate any tracking info wont let you cut copy or paste!