23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I got a loan from Midwest Acceptance in XX/XX/XXXX, and the vehicle was repossessed in XXXX. The account is showing open as of XX/XX/XXXX, however The account was open on XXXX XXXX. Information is inaccurate and defamation of character when I did not have that vehicle a text the beginning of XX/XX/XXXX. Secondly this vehicle was charged of & closed on XX/XX/XXXX, but is still reporting late payments and incurring interest. I called the office on XX/XX/XXXX & spoke to someone who was extremely rude and was threatened that they will keep reporting until the debt is paid off. The rep told me that the balance is incurring interest because i have not made a payment but thats not possible if the account has been charged off and closed. I Am asking that this account be closed and taken off my credit report as it is reporting inaccurate information, showing inquiries that i have not agreed to, charging interest on a closed & charged off account. This is grounds for removal
Product: Credit card or prepaid card

I have had ongoing issues with the XXXX credit card issued by Synchrony XXXX. 
On Wednesday, XX/XX/XXXX I received an email alert that my automated recurring payment was not received. 
Today, XX/XX/XXXX I called the customer service number on the back of my credit card. 
It was a prerecorded line that had only sales pitches for an endless number of products and companies. 
I called the number again to make sure I did n't misdial. 
I had the same result. 
I went to the website and there was a different customer service number. 
I called that number and was connected to " XXXX ''. 
I explained the issue that I was signed up for automatic, recurring payments and that I did it the same day of my last phone call to customer service. 
" XXXX '' at first said he did n't see that I had signed up for automatic recurring payments and asked me unrelated questions. I explained the steps I took again and said that I can see my bank account number listed for my account on the website. 
He put me on hold for several minutes then came back and said that I did sign up for recurring automatic payments from my bank account but that it would take 1 to 2 billing cycles for it to take effect. I told him I thought that was ludicrous and poor customer service, then I asked him to remove the late fees and finance charges so I could pay the purchase balance in full. He then hung up on me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on : XX/XX/2023 Reasons ; the inquiry was not authorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX box XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized
Product: Credit reporting or other personal consumer reports

Apple, this is my second request. I need to ensure MAXIMUM POSSIBLE ACCURACY on my credit reports. There are still inaccuracies on my credit report with this tradeline. Please download my dispute letter.
Product: Other financial service

On  XXXX   XXXX , I received an e-mail at my workplace,  XXXX    XXXX   XXXX   XXXX   XXXX   at  XXXX    XXXX   XXXX  , regarding my Student Loan from the Information at  XXXX   XXXX   XXXX .     The e-mail falsely states that  XXXX  is excited to inform employees like me that we  may be eligible for the Public Service Forgiveness Program.  Si nce 1998 I ha ve been paying off a student loan, which has increased twice fold, I was a bit eager to find out how I can apply for such program.     When I called :  XXXX  it directed me to  XXXX  at Doan Solutions.  XXXX  informed me that I would have to reconsolidate my loans for a {$790.00}. fee. I gave her my social security number and my password to give her access to peruse my loan debt at th e National Student Loan Federal Aid we bsite.     She then proceeded to tell me that she would have to charge me {$790.00}. to reconsolidate my loans. I told her that I would have to do a little bit more research before I agree to pay such fee.     I called t he Student Aid Ombu dsman  XXXX  and  XXXX  told me that the process of reconsolidating loans should be free. She then gave me a case number and instructed me to alert the Consumer Financial Protection Bureau.     I am also concerned with identity theft, which I have to alert the Federal Trade Commission.     I hope this issue is resolved and that my colleagues and anyone else are protected from such scam.     Please read the e-mail below : To :  XXXX   XXXX  ; If you are a university employee still burdened with student debt,  XXXX  is excited to inform you about t he Public Service Forgiveness Program.  The program is designed to help eligible personnel eliminate their student debt in ten years, while remaining in their current career. Participating can cut your principal in half, and after ten years, any balance left is forgiven.     We can help you see if you can qualify for a forgiveness program and prepare all the necessary documents to make sure you are eligible. It 's all done with just a phone call.      XXXX  's Get Started :  XXXX  We encourage you to learn more about t he Forgiveness Program ; be cause it 's one of the most effective relief methods for university personnel. Its all done with just a phone call.         Thank you,  XXXX
Product: Debt collection

I had a store credit card debt through XXXX XXXX but i run into trouble paying the charges so the company made payment arrangement and froze interest charges. As part of the arrangement I monthly payments was to be by auto direct payments form my check-in account. 

I lost my job there after and direct auto payments form check-in account were returned and arrangements on the payments could not be honored. I also I incurred returned fee charges on my bank account. 

I started receiving bills with charges greater than agreed so I sent email to inquire about the charges but never got a response. I was earnestly intent on resolving the issue but never got a response. 

The debt was transferred to Crown Asset Management and I disputed the amount claimed. They sent me details of accumulated interest charges so that the claim now it far more that the balance agreed and over a thousand dollars more that the initial principal amount of charge. 

I am frustrated that I cant get XXXX XXXX to resolve the issue and I have to deal with the debt collector. 

As of now they have filed a claim against me at the Small Claims Court so I want to be able to resolve the principal amount of the debt with XXXX XXXX.
Product: Credit card

Ordered an item that arrived damaged. Tried to get the merchant to provide a label to return it since it is huge, and they have been unresponsive and unhelpful so I was forced to dispute the charge. AMEX has handled the dispute process abysmally, clearly outsourcing it to some firm in XXXX that simply doesnt care. First they closed it because they claimed I didnt support any documentation, even though they never asked for it before closing and I left detailed notes. Then I submitted the documentation. Now theyve left me a voicemail saying I need to call a number in the next 24 hours and leave a voice but the number deosnt work saying, " the call does not work due to technical issues. '' I've attached the document I was submit to below. The dispute number is XXXX. There is no protection. They dont care. They send it to a firm who doesnt care and will send a phone number that doesnt work so they can close your dispute.
Product: Debt collection

I have not received the proper validation regarding the debt, the collection company, has sent copy.s of collection items that does n't properly confirm the debt in question. I would like them to send me a signed document of debt to properly verify the debt. If not please delete this item from my credit file. They have paid for debt that does n't verify the debt properly. Have them send me a original copy of the debt with my signature to properly verify the debt if not please delete this item from my credit profile.
Product: Mortgage

I have an FHA insured Mortgage Loan serviced by Midland Mortgage, of Midfirst Bank. I went online to pay my " on time '' payment for XX/XX/2020, I am current and have not missed a payment in over 8 years or more. When I logged into their site my account had been entered into some program of theirs ... they " Midland '' applied. I did not sign up for anything nor was I asked or prompted about signing up to any programs at Midland. I called Midland Mortgage at the regular 800 number for customers to enquire about my account and situation. I was informed I was contacting a debt collector about a loan and any information provided is for the collection of that debt,,, a recording? I'm not in collections, or in arrears of any kind. The agent at Midland claimed I was. The agent was very protective, and playing games, being a smart aleck. I asked how I got into this collections program and he told me I had signed up for it in XX/XX/2020. I pressed him how this was possible and he changed his story ; he now claimed the " system '' did it, signed me up automatically. Without my permission or consent, because I was late on payments? He said that's right, it did it to every loan holder automatically. I challenged this claim by him and he got defensive and argumentative forcing me to ask for a supervisor, he had no intention of helping me and wanted to pick a fight instead ... I'm XXXX and XXXX, I told him this upfront. I had to have my wife finish the call for me with the supervisor, the agent at Midland caused my condition to escalate requiring medication ... he was that bilerant and unhelpful, taking advanatge of me and my condition. 

The supervisor told my wife the company would take me out of the program and send me a letter that I am not in collections and was removed, that my credit rating would not be affected by any of these moves initiated on my account by Midland.. 

We received no such letter and were once again bullied by the Loan Servicers agents, taking advantage of physical weaknesses exactly what " bullies '' do to people, cowardly acts of taking advantage of others using their illness against them as their tool? 

I was placed into collections by Midland Mortgage and entered automatically into their program without my consent or knowledge, I was not provided a heads up any warning, or any information about what they were doing or why. They promised to send a letter and failed. We made the phone call and stayed on it for a long time, we did not record our conversation.
Product: Mortgage

I paid an extra mortgage payment years ago. I called and paid it over the phone to XXXX so that I would be an extra month ahead. I told them to apply XXXX payment to the current month and apply the second payment to the next month. The following month I got a statement showing I owed for that month. When I called they said they applied both payments to the current month. I stated I did not want & I did not have the funds to make XXXX payments that is why I applied to the next month so I could always be ahead and current. They said they would fix it and apply that extra one to the next month & take off the late payments. I never received statements in the mail from that point forward and no one ever called saying I was late. I paid at the end of the month for the next month. So making on a payment on XX/XX/XXXX to be applied for the XX/XX/XXXX due date. Little did I know paying the XX/XX/XXXX was for the XXXX payment. So they were applying a late fee every month. Thank XXXX I never paid past the end of the month or I would have had a late on my credit. But when I called every month to get this fixed they assured me the late fees would be reversed and they would fix it. THEY NEVER DID! I always spoke to a manager and I know they record their calls. I demanded they listen to the recordings to show they messed up and took my 2 months of payments and applied them wrong. AGAIN everytime I called they said they would fix it. Then they sold my loan and NEVER told me. I was paying the old place XXXX and they sold to Roundpoint. They apparently moved my payments, lost them and never even called me to tell me my money was going to the wrong place. I was told it is the LAW to send me notice that my loan was sold. The only way I even knew it was sold was that I was buying a new home and my lender stating i had a new loan of Roundpoint company showing up on my credit and he was asking what it was. If i hadn't been buying a new home I would have never known I was paying the wrong company. Thank goodness again not reported to my credit. But now since it was sold and I was buying a new home I was REQUIRED to pay those fees that XXXX said they would reverse or I wouldn't get my new home. This is totally illegal and want XXXX to give me back that money they took wrongly. I know I was being recorded, so I know there is record " SEVERAL '' of them saying it was their error and it was to be taken off. Instead I paid {$1500.00} worth of wrong applied fees. I WANT this given back to me. These companies should not be allowed to take advantage of us. Please listen to the recordings and get my money back. THANK YOU!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding my last payment on a mortgage loan with Mr Cooper/Nationstar mortgage. I requested a payoff of the loan as it was supposed to be the last payment. The mortgage mailed me the payoff which I received XX/XX/2021, but the payoff was due XX/XX/2021 in that letter. I wire transferred the fund to the mortgage company twice and the loan was paid XX/XX/2021. The mortgage recorded a late payment for XX/XX/2021 on my credit report. They need to remove the late payment of XX/XX/2021 from my credit reports. I wrote them 3 times disputing the late payment status, I called them 5 times, I disputed it through the credit bureaus are well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX RE : Accounts XXXXXXXX XXXX  XXXX # XXXX XXXX Closed ) XXXX XXXXXXXX XXXX XXXX  # XXXX ( Closed ) XXXX XXXX XXXX # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed XXXX XXXXXXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection ) XXXX XXXX XXXX # XXXX ( Debt Buyer ) XXXX XXXX XXXX XXXX XXXX ( Debt Buyer XXXX XXXX & XXXX # XXXX ( Collection ) I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you,
Product: Credit reporting or other personal consumer reports

Chex systems has several unauthorized inquiries on my consumer report.
Product: Credit reporting or other personal consumer reports

I looked back on my report on XX/XX/2024, and noticed my personal information was incorrect. I have multiple variations of my first name and last name and my address. As well as multiple phone numbers. I have attachments that will show inconsistent information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, PayPal released the funds held in our account. We opened a previous case ( XXXX ). My business ' address is XXXX which is used as the PayPal account 's primary email address. 

However, shortly after, without prior notice or explanation, PayPal initiated another hold on our funds. This action severely hampers our business operations and cash flow, impeding our ability to fulfill orders and procure inventory. 

Despite providing extensive documentation and clarifications regarding our business model and operations, PayPal continues to arbitrarily impose holds on our funds. This pattern of behavior by PayPal has caused significant disruption and financial strain on our business. 

We have proactively engaged with PayPal 's customer support, provided requested information, and cooperated fully with their inquiries. However, the recurring holds on our funds without justification are unacceptable and detrimental to our business 's viability and growth. 

We urge consumerfinance.gov to intervene and facilitate a resolution to this ongoing issue. Your assistance in addressing this matter is crucial in ensuring fair and transparent treatment by PayPal and the swift release of our funds. 

Thank you for your attention to this matter.
Product: Debt collection

Oliphant USA Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( XXXX ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Oliphant USA never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE REPORTING Unknown, unauthorized, and Unrecognized, from XXXX XXXX XXXX opened a COMMERCIAL DEBT BUYER FIRM EVEN DURING MY MULTIPLE DISPUTES BEING AFFECTED BY COVID-19 DURING THE GLOBAL PANDEMIC HARDSHIP. THIS INACCURATE REPORTING HAS DESTROYED MY XREDIT HISTORY AND TANKED MY SCORE CAUSING IRREPARABLE DAMAGE. 
I do not have an account opened by XXXX XXXX XXXX IN XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX  XXXX Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 %
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX ACCOUNT # XXXX RE : Validation Required XXXX XXXX XXXX  Re : Account # XXXX I just done a loan modification to bring current, i then made XXXX payments to be ahead, now I get a call today stating I am XXXX  days that's, impossible, fix my account and my credit please. 
To Whom It May Concern, XXXX, XXXX, XXXX I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state OHIO.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I am in total disagreement with your investigation response. Inaccurate information still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, 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, Equifax, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informatyytion, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : -.