23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXT Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card

According to the terms of my paypal credit and the most recent statement my payment should be {$25.00} however paypal claims it is {$120.00} after 7 hours on the phone they refuse to correct this obvious mistake. The minimum payment is {$25.00} not {$120.00}. They also refused to allow my to dispute a charge of {$390.00}. Many calls were placed to paypal and paypal credit in regards to an item that was delivered broken and useless. First the claimed that the time limit was 45 days when the written invoice stated 180 days. After many calls disputing this fact finally they agreed to a refund, but that was not true and many months later now state that it is past the 180 days so nothing can be done but every effort was made to dispute the charges immediately upon arrival of the product in bad condition. They state that it is not possible to communicate with anyone beyond customer service and that there is nothing customer service can do. It is very troubling when a company and take XXXX of dollars from you in fractions of a second but any effort to correct a mistake or protect the consumer from fraud can only be done slowly over many months and in writing.
Product: Checking or savings account

On XXXX XXXX {$130.00} from XXXX Dont know where this charge came from. I happened to look over my statements from this year for annual calculations as this year comes to an end. I dont know what this and I dont recall ordering anything from this particular business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account named XXXX XXXX XXXX on my report as having a current status of 120 days past due when it should state closed and paid and they are showing account 120 days past due in history on XX/XX/XXXX. This account was closed XX/XX/XXXX so how is this possible after filing complaint with CFPB and waiting 30 days a response was sent by XXXX XXXX XXXX saying they arent reporting equifax is and its equifaxs responsibility to correct taking NO blame for negligent reporting but they stated they received a dispute prior to this and confirmed account so they confirmed these things then. Now equifax sends me new investigation results dated XX/XX/XXXX and once again XXXX XXXX XXXX confirmed current staus of a 2 year closed account as past Due 120 days and show it past due on XX/XX/XXXX. This is rediculous. In mean time I am the one suffering because of this gross negligence of both parties equifax and XXXX XXXX XXXX. I dont want to hear its not our problem from XXXX XXXX XXXX its Equifaxs because equifax just sent them in XXXX another dispute and asked them to confirm and the XXXX ( Im sorry I say as I see ) including the guy who responded back to last complaint confirmed everything asked to this includes current status being 120 days past due and the past due occured XX/XX/XXXX some 2 years after account was already closed. So what will XXXX XXXX XXXX excuse be now? What will equifaxs excuse be. like 2 peas in a pod both incompetent XXXX. Im not looking for any investigation as I have wasted a year with this account already. Both equifax and XXXX XXXX XXXX have exactly 15 days to either remove account or correct to show current status paid and to remove the 120 late on XX/XX/XXXX history. After this amount of time maybe its time to let the courts handle and both can pay my legal fees and damages for their blatant negligence. This actually should also be forwarded to the FTC as they both have consistently reported incorrectly and refuse to fix each other blaming each other. Enough is enough. 15 Days
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair credit reporting act XXXX accounts- All accounts from XXXX XXXX XXXX. 
To be removed/Deletions for all repeated accounts on my report and all violations from accounts to be deleted and took off my credit report. 
They state a full investigation was done and came back verified and updated but that's a lie and another violation of my rights. 

because under 15 U.S.C 1681i - procedure in case of disputed accuracy. 

. Has violated my rights. 15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U S.C 1681 Section 604 A section 2. It also state 's a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I attended XXXX XXXX 11 years ago. When attending I was young and unaware of the paperwork I was signing. I had no copies of my paperwork or student file! After further investigation this year of paperwork finally provided by the school, this month. The school is saying I never did an exit interview. I never received it! On the alleged exit interview paperwork it says I received a : 1. Federal Direct Subsidized loan for XXXX 2. Federal Direct Unsubsidized loan for XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX loan for XXXX Loan # 3 is what Im challenging. This loan was fronted by the school and paid for by the school. I was responsible for paying the school back once I dropped out of the program because they paid the loan for me. 

The school is now saying I owe them {$14000.00}. There is fraudulent activity going on. I was never told of XXXX  when enrolling. I was told by XXXX that I was enrolling into a HELP loan program that was provided by the school. I never signed nor agreed to a loan with XXXX. XXXX was just just found guilty of defrauding XXXX XXXX XXXX in 2018 for the same exact situation. I believe these charges are fraudulent and I want the school to be held accountable. They have harassed me for years for this money. I want all the money I paid to this fraudulent loan returned. I tried uphold and clear a debt a I thought I owed. However, this isnt my debt! It wasnt made clear to me. They took advantage of my situation and they took money from me for profit.
Product: Debt collection

The caller claims to be Credence Resource Management, a debt collection company. 
The caller claimed I owe {$210.00} on my XXXX XXXX XXXX account, and the debt was generated from XX/XX/XXXX to XX/XX/XXXX. 
I didn't have an account with XXXX XXXX XXXX until XX/XX/XXXX, and because it's a prepaid account, it's impossible for me to owe money to XXXX XXXX XXXX. 
The caller knows my name and my address, but refused to repeat my SSN to me over the phone. 
They called me three times so far regarding the same issue, on XX/XX/XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. 
I confirmed with XXXX XXXX XXXX that I do not owe money on my account. 
I wasn't sure if I am a victim of identity theft, or the caller is a scammer. 
On the third call, I told the caller I dispute the debt, and demanded them to mail the proof of the debt to me.
Product: Credit card or prepaid card

XX/XX/2021 Card.com locked my card for un authorized use because tried to buy XXXX XXXX XXXX using my card it was linked to my phone so i told them that i didn't want that card and was they're any other way to get my remaining balance of my income tax which was {$6900.00} so the customer service agent said that she would send the {$6900.00} in the form of a check i waited 2 weeks and called backed and was told that they dont send checks and that my money was stolen by one of they're temp workers with a XXXX XXXX account ive called numerous of times since then been told its been investigated its been 2 months since card.com employees stole my money from my account and haven't did anything about it i have kids and bills i need my money NOW
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX XXXX XXXX tried send money on Zelle. Didnt send the to right person, wasnt my mistake.
Product: Debt collection

On XXXX XXXX, I received a lawsuit to collect a debt for the amount of XXXX for a membership for a vacation club, that it sold the debt and the person who sold the debt sued me, the membership was canceled but I do not understand why they want to pay for something that has already been canceled
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

During our application for a HARP rate reduction, our mortgage servicer, Seterus, advised us that in order to qualify for the rate reduction, we needed to be in arrears on our mortgage payments. We were current on our payments. Of course, that information is not accurate. Once in arrears, we were told that we could not be eligible for the rate reduction. Seterus initiated foreclosure. We immediately brought the mortgage note to current status and were subsequently approved for the rate reduction. However, the damage to our credit rating as a result of Seterus ' actions have been massive. 
Seterus is unwilling to return our attempts to contact or to consider removing the issue from our credit reporting agencies. 
We recorded the Seterus agent advising us to stop making payments. Seterus remains uninterested in assisting us. 
We will, in addition to this complaint, bring legal action locally in XXXX, NV against Seterus, after resolution of this complaint.
Product: Payday loan, title loan, or personal loan

I have contacted Oportun aka XXXX numerous times. I attempted to pay off this loan by using a balance transfer from XXXX. XXXX electronically sent funds in the amount of {$4100.00} on XX/XX/2022. As of this evening, my account has yet to be adjusted as paid in full. They continually tell me that the funds were NEVER received. I have submitted numerous documents from XXXX, but Oportun continues to reject my attempts to clear up this issue.
Product: Checking or savings account

Roughly XX/XX/XXXX I opened an account for use by my daughter with Greenlight financial. They were supposed to send me a debit card within 7-10 days. I waited about 20 days thinking it was delayed, and no debit card was delivered. 

We were able to use the card digitally in the app because at least they gave the card information in the app. 

On roughly XX/XX/XXXX I still hadnt received the card. So I called Greenlight financial and reverified my address and they supposedly sent a new one. This too was never received. 

On XX/XX/XXXX, I again verified my address through their chat system and they again supposedly sent me a new one. I still have not received it. I requested that they send it through another means with tracking but they never confirmed that they did or did not. I assume they sent it through the same broken process they have been using. 

Today I at least tried to use the account with my daughter to purchase something using the card details in the app. The card details are no longer available in the app so I cant even do that. 

They are charging me {$10.00} per month for the account, but there is no way at all for me to access the funds in any way. 

This to me is an unfair and deceptive practice.
Product: Mortgage

Freedom Mortgage acquired my existing loan from XXXX XXXX. The acquisition took place effective XXXX. Freedom Mortgage failed to provide payment information or online access to newly acquired account until after the 15-day period stipulated in the notification provided by XXXX XXXX. Freedom Mortgage failed to respond to phone and email requests for payment instructions and started mailing out past-due notices, none of which were received until XXXX at which time online access was obtained and the account was verified as " Past Due ''. An immediate online payment was made as well as arrangements for auto-payment moving forward.

Freedom Mortgage failed to properly acquire my account, failed to properly make payment options available and failed to properly respond to requests for information. To date, I continue to receive untimely " Past Due '' notifications in the mail as Freedom Mortgage can not properly account for the mortgage payment made on XXXX.
Product: Debt collection

This company ( US Collection West ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FNDING LLC is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX consumer report on XX/XX/23 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Debt collection

I have responded to this company on several occasions disputing this inaccurate information that's placed on my credit profile. I have sent them all the proper documents to make sure that this account get DELETED, but they still have not followed the rules and regulations that's set in forth. So I'm reaching out to this company to help me do as such. I let them know that I was a victim of fraud and all my personal things were stolen and misused unlawfully. I have sent a complaint to the XXXX  and this matter wasn't handled correctly.They asked for a affidavit and I sent that to them via certified mail. This account has nothing to do with me at all.
Product: Credit card

On XXXX I had a online email stating my credit card account was showing on " Notice of suspended Online Bill Payment service '' so I called citi bank customer service immediately after receiving the email, spoke to XXXX XXXX same day & she explained that a payment showed returned, because the account was not found, it then made me realize perhaps it was an old inactive account still showing in history, so I said ok, it was probably an error that account was used, and she agreed too and waived return fee, also I paid through the phone with XXXX, so we could restore the account in good positive status. Next day found out my account had been closed, I called customer service again mentioned only the night before spoke to XXXX XXXX, she did n't tell me anything about the account being closed or going to that status, and infact saw everything fine from her end. I was advised today that in order to open the account they need to do another credit inquiry, I do n't feel this is fair at all given I made all and any attempts to resolve as per the direction of Citi banks email to contact customer service. I resolved things from my end, paid the balances owed from my debit card on the phone and still the account went to closed. I am worried this will affect my credit score, as they will now report the account closed, and also worried that by re-opening the account they need to do another credit inquiry which is not necessary. They are saying to me there is no other way, but asked me to write to the president of citi bank for him to review my request, I will send the letter XXXX in the mail but need help also from an agency like your 's to please review my case, this is not the right way for credit card companies to take advantage of customers. I did everything in my power to call the customer service and resolve things from my end immediately, they should n't have closed my account when I made a payment through customer service that went through just the night before. This has put a very concerning view on Citi Bank 's practices especially since I have been with them for 4 years and currently even have another credit card with them in good standing and active status.
Product: Credit card

I am writing to provide further updates and evidence related to my ongoing complaint filed with your agency, under the complaint reference number # XXXX. This correspondence serves to continue the existing complaint with additional crucial updates aimed at substantiating my case against the unauthorized use of my credit card. 

Updates and Additional Documentation : 1. Identity Theft Report : I have formally filed an identity theft report to address the unauthorized transactions made using my credit card. A copy of this report has been attached for your review.

2. Fraud Alert Placement : In response to the fraudulent activity, I have placed a fraud alert on my credit profile with the major credit bureaus. Documentation confirming this action is attached. 
3. Dispute Letter and Attachments : I have submitted a dispute letter to the company involved, following the guidelines and using the template provided by identitytheft.gov. All pertinent attachments accompanying the dispute letter are also enclosed. 

Recap of the Original Complaint : The issue at hand involves unauthorized transactions made with my credit card since XX/XX/XXXX while I was out of town. These transactions encompass a range of activities, including shopping and dining, amounting to substantial financial losses on my part. Upon detecting these fraudulent activities, I promptly contacted my credit card issuer, Bank of America, on XX/XX/XXXX, to initiate a refund claim. Despite my immediate action, the investigation conducted by the bank concluded unfavorably for me, with the bank asserting that the transactions were not fraudulent. This decision was largely based on their observation that the physical card 's chip had been used, suggesting the transactions were legitimate. 

Consequently, my refund claim was significantly undervalued at {$2700.00}, instead of the actual {$8600.00} loss incurred. I have since provided evidence to the bank verbally, including my absence from the country and city at the time of the transactions, to challenge their initial findings. Although the claim was reopened, the disputed amount remains unchanged, and communication from the bank has ceased for over a month. Compelled by the fear of accruing interest charges and the potential impact on my credit score, I felt obliged to settle the full balance, despite being a victim of fraud. 

Given these developments, my appeal to your agency is for assistance and guidance in rectifying this grievance and achieving a just resolution, specifically in securing a full refund of the losses incurred due to these unauthorized transactions. 

I appreciate your attention to these updates and look forward to your support in resolving this matter promptly.
Product: Mortgage

I received an escrow analysis from Nation Star Mortgage saying I will have a shortage in XX/XX/XXXX so my payment will be raised. While reviewing disclosure I stated in XXXX XXXX no escrow was taken. Actual Payment stated o amount. 
On actual balance between XX/XX/XXXX and XX/XX/XXXX show same amount in XX/XX/XXXX and XX/XX/XXXX. I know I paid the {$180.00} which is the monthly escrow amount because my mortgage payment XXXX was exactly the same. 
When I called for explanation the rep. said yes I paid but could not explain why statement shows XXXX paid in XXXX. 
She said she would sent a record of mortgage payments made. I do not trust Nation Star Mortgage. They have a XXXX rating with XXXX. They are not certified with XXXX any more. 
They also sent me a PMI disclosure statement saying they were taking PMI from me but when I called they said no they just sent these to everyone. 
In XX/XX/XXXX or XX/XX/XXXX I applied for Homes Made Affordable. 
First they said they lost my paper work. 
They had purchased my mortgage from XXXX. They told me I was behind a payment with XXXX which I was not. 
they also said my escrow was short. When they finally approved homes made affordable loan my payment only went down {$16.00}. a month. I contact the state of WI they found I was supposed to receive {$1000.00} a year for 5 years for making my payment on time. They also made Nation Star adjust my Homes Made affordable loan and my payments were lowered by over {$200.00} a month My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX Mortgage Co. Nationstar Morgaage XXXX XXXX XXXX XXXX , XXXX XXXX Loan # XXXX My ss # XXXX
Product: Credit reporting or other personal consumer reports

The account is paid in full and is still being reported as past due and late and caused a major dropped on my credit reports. As well as my address and job info needs to be updated corrected.
Product: Debt collection

Carmart is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. Car mart is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337