23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I ordered vertical blinds from XXXX for {$340.00} on XX/XX/XXXX  The blinds arrived with defects on XX/XX/. I asked for a Return Authorization so I could return the defective product. The refused. After several emails where I provided photographic proof of the defective product, they still would not answer my request for a return authorization. 

I disputed the charge with my credit card company, XXXX XXXX on XX/XX/XXXX  providing them with the email interaction and photos of the defective product. On XX/XX/, they ruled in my favor and reversed the charge of {$340.00}. 

In XXXX, XXXX, I started receiving harassing calls from a collections agency called, HF Holdings , Inc. and on XX/XX/XXXX  they got a collections report for {$340.00} on my XXXX Credit Report.
Product: Debt collection

I am being contacted by Spring Oaks Capital numerous times a day since XXXX. I have attempted to settle the debt with them for less than what is owed due to the fact that I did not make the charges to the accounts they are attempting to collect on and I need them to stop calling me at my job OVER AND OVER AND OVER again daily. I just want to get rid of them, but they will not stop calling. The debts are very old and I have disputed them with the companies and I am sick of them jeopardizing my job and my mental health. I request that they cease and desist with all further activity since they are unwilling to negotiate and practice illegal collection practices.
Product: Debt collection

They are also calling XXXX XXXX XXXX. I have received repeated calls and have received a call today at XXXX with a documented voicemail left at this time. 

The organization is Check Into Cash XXXX XXXX XXXX, they represent a title loan company. 
Customer Service Department:XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Student loan

Im still enrolled full time at XXXX going for my associates in Computer science. I dont know why they are asking for payments why Im still enrolled in school and havent graduated?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was disputed, got deleted and reappeared on credit report with a different amount of what the collection agency ( XXXX XXXX ) sent me and also account is showing open when in fact its already in collection. 

15 USC 1681 Section 602 A : States i have the right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

1 ) account cant be in collection and still remains open 2 ) Agency violated my rights 3 ) Agency failed to mark account as disputed 4 ) Account has differnt amount from what the collection agency sent me on letter attached.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : sloan/nelnet service Account # XXXX date opened XX/XX/XXXX Ba ; XXXX {$0.00}, XXXX service Account # XXXX XXXX XXXX XXXX XX/XX/XXXX Bal. {$0.00}, affirm Account # : XXXX date opened XX/XX/XXXX Bal. {$71.00}, cXXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$120.00}, XXXX XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Bal. {$190.00} XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$260.00}, XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$280.00}, the XXXX XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX XXXX {$340.00}, XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Bal. {$430.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$480.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$650.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1500.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4200.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$5200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$21000.00}, ecmc/colorado student Account # XXXX date opened XX/XX/XXXX Bal. {$41000.00}, XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX Bal. {$41000.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out XXXX request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is closed ; they have sent me the title. I have already received the tax form to claim this as additional income. This account should be removed from my credit file with Experian. It is only reporting to Experian ; not the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Wells Fargo XXXX credit card was settled back in 2018 and is still showing on my credit report even though it has been over 2 years. Wells Fargo is also still reporting to the credit bureau even though the account is closed, I would like this account closed and removed from my credit report.
Product: Credit card

This debt collector Credit Control LLC put a debt collection of {$1000.00} on my credit report and I have no idea what it is. I don't recognize this debt collection. Please remove this debt collection from my credit report immediately.
Product: Credit reporting or other personal consumer reports

there are unauthorized inquiries in my credit reports, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also attaching the identity theft report
Product: Credit reporting

Chapter XXXX was disputed, and trans union as well as XXXX removed it, however upon review of my report, not XXXX but most of the report dates on the information with Equifax do n't match, or totally wrong, thus causing the negative item to remain with Equifax longer. 
XXXX XXXX, XXXX appears on my report, that was reported as XXXX and removed as XXXX, reinstalling information that was already removed as Time barred.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, XXXX, I had a deposit made into my paypal checking account for {$700.00} by an individual known to me. This is not the first time my account has received this amount or similar amounts into the account. I tried to withdraw the funds by accessing my account on my mobile phone using PayPal 's mobile app. Everytime I tried to move the funds so that I could utilize it, PayPal app would give me a message saying " were sorry we are having difficulties processing your request. The problem is on our part. Please try again later '', then the application would freeze. I tried numerous times to complete the transaction and at different times but kept receiving the same message! When I finally called paypal, I found out that apparently there were some steps for me to take in order to get access to the funds which I found out that paypal put a hold on. NOWHERE WAS I NOTIFIED OF THESE STEPS TO FOLLOW ON THE MOBILE APP OR ONLINE! 
I believe this is an unfair and predatory practice since I am sure I am not the only customer to have experienced this. PayPal and others like them like XXXX, are unfairly holding on to funds belonging to millions if not billions of people like me who are not savvy when it comes to online or virtual credit lending companies or whatever they're called, q like themselves. And by doing so, they are benefiting from these held funds to the tune of billions of dollars in interest earned and at the cost of normal people struggling to make a living or make ends meet and who themselves are losing out, collectively, on billions of dollars in terms of interest they could have earned, had they had timely access to their funds AND A LEVEL PLAYING FIELD IN TERMS OF CLEAR INSTRUCTIONS TO THE CONSUMER as to what needs to be done to gain access to the money that friends and family send or their customers send. I believe they are intentionally doing these things to financially benefit from consumers and somebody has got to stop them! Additionally, I think that they ( paypal, chime, etc.. al ) are intentionally trying to shield themselves from litigation by preventing consumers from taking screenshots under the guise that it is for the protection of consumers! Consumers should be able to screenshot whatever they want to once they have satisfied security protocols set in place to gain access to the information in the first place!
Product: Credit card

I believe the account is invalid. MIDLAND CREDIT MANAGEMENT , INC. 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.MIDLAND CREDIT MANAG XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2021, I called XXXX because I had some fraudulent inquiries and they told me I had to file a police report or an FTC report.
Product: Credit reporting or other personal consumer reports

This company have cause me problems getting a loan and car insurance because of incorrect information they are giving companies about me. In XX/XX/XXXX XXXX rote them to block giving out any information to anyone and they still doing it. 
XX/XX/XXXX they gave progressive insurance a list of accidents they have on my report and was denied car insurance. I havent have an accident form XXXX, they did the same thing in XX/XX/XXXX with nationwide insurance and they canceled me. 

On XX/XX/XXXX I filled out a form on the companies website to get a the report they are giving out to these companies and on XX/XX/XXXX they sent me a letter that makes nose sense, I have tried calling and no customer services to help all messages
Product: Student loan

EDS Financial INCORRECTLY reported on XX/XX/XXXX that my student loan was 90 days past due. The amount due was a one time payment of XXXX dollars was due for XX/XX/2019. I paid it over the phone. I contacted EDS Financial on XX/XX/XXXX to see what was the problem. They admitted on the phone that they failed to see the payment of XXXX, made on XX/XX/2019 ; and because of that -- they were sending me a new form to " re-do '' it all. That was the exact conversation on XX/XX/XXXX. 

They didn't know I made the payment until I informed them of it, and I stated my email had a receipt of the payment. Then they found it. I was happy with that. I WAS HAPPY WITH IT AND THE YOUNG LADY WHO FIXED IT ALL DID A GOOD JOB. She was sending out another form to correct what was not done. Then afterwards, I called back afterwards to confirm the address. All was well. 

WELL! The very next day, my bank alerted me that EDS had already placed a 90 days late on my credit report and my score went down 100 POINTS! I Immediately called EDS.

A different Rep came on than the young lady did the day before. She could not explain it, and she said wrong things. At first she said it was because I was late -- but when she checked they saw the payment. After that I asked the person why could she not fix the mistake, and she said a Supervisor would have to call me back. No one called back.

I have the receipt of the payment, and the prior payments were ZERO. 

Please help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of ADDRESSES below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX Va THESE ARE NOT MY ADDRESSES AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a threatening email from Mohela regarding an approaching important date. 

The language of the email was vague so I immediately called and emailed to notify that I made weekly EFT how can I be behind {$640.00} The second and third email stated I was behind on payments despite making weekly EFT payments. Initially, I dismissed this as Mohela being behind and in allocating my payments to to my account since the recent transaction from XXXX. 

Despite formally disputing the balance and payment history Mohela reported I was 60 days late. My credit score dropped XXXX points and the mortgage pre approval I had in hopes of moving was no longer a possibility. 

On three separate occasions, I mailed proof of timely payments from my bank to each credit reporting agency yet the accurate payment information was not updated l. 
Resulting in long term devastating consequences to my ability to secure fair loan terms. No organization should have such power additionally, it should not be so difficult to update inaccurate payment information on the credit reporting agencies.
Product: Mortgage

Roundpoint Mortgage Servicing Company ( SC ) owned by XXXX XXXX XXXX XXXX ( MN ) failed to pay my Homeowners Insurance ( XXXX FL ) causing the policy to lapse. The insurance company will not reinstate my policy. I received a notice in XXXX 2024 that my insurance payment had not been paid. I engaged both the mortgage company ( Representative XXXX in the insurance department ) and a woman at the insurance company. We had a three way conversation in which the insurance company provided XXXX the overnight payment address. XXXX told us both that he would request a manual check and overnight the payment. Obviously this never happened as my policy was cancelled for Non-Payment. The consequence of Roundpoint not following through with payment has caused me stress and XXXX that has caused me extreme distress. I called for several insurance quotes today and was told no one would insure me because of the lapse in coverage. I also called Roundpoint twice today. The first time they said my call was 69 in queue to be answered I requested that I be called back when I my turn was first in the queue. That call never came. I then called back and was informed that my call was 339 in queue. How does this company get away with this? So then I called XXXX XXXX XXXX the owner of Roundpoint Mortgage. My call was promptly answered by a woman named XXXX. XXXX took down the gist of my complaint and said " someone from her Matrix team would call me back. I am still waiting for this call
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX I took out a loan for a mobile home ( XXXX XXXX XXXX. XXXX XXXX, NJ XXXX with XXXX XXXXXX/XX/XXXX of XXXX, ME. ( account # XXXX XXXX the loan was paid in full in XXXX. I do not have a Title or Lein Release. I am now trying to sell the mobile home but can not because I do not have a copy of the Title. NJ will not issue the Title with out a Lein Release Letter from XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX became XXXX sometime around XXXX and in XXXX became TD Bank. I contacted TD Bank back on XX/XX/XXXX to get a copy of the letter but they can not find any records of the loan I have been going back and forth with their archive department and will not send me a release. NJ Motor Vehicles recomended I contact NJ XX/XX/XXXX They informed me they do not regulate TD Bank and forwarded me to the OCC which opened Case # XXXX and are requesting additional info. It was also suggested a complaint with CFPB so here I am. 
I am stuck paying monthly Association fees & Utilities until I see my mobile Home which I can not do until I have a title, to date I have had to pay over {$3000.00} out of pocket. 

Please help or tell m how to resolve my issue, everybody sends in circles. The loan has been paid off for about 18 years, nobody claims I owe them money for the property but I can't seel it because I don't have a title. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went in XXXX and opened a credit line up & was denied because of discrimination and the bank they used is committing identity theft..Because I didnt receive nothing in return of giving my personal private information & this bank is doing XXXX KNOWS WHAT with my info ..SENT out a bogus letter denying/ basically discriminating against meBut allowing XXXX and XXXX to get creditflat out identity theft!!!! I need answers asap.!!! I am AMERICAN XXXX and should never be told no on my own LAND.!!! sending me a letter stating no lawful reason why you have my property/private information is unacceptable and identity theft and discrimination
Product: Payday loan, title loan, or personal loan

They suggested i purchase a visa prepaid card to make partial payment on repayment plan. I bought pre paid card they suggested it did not work. They suggested i purchase netspend prepaid card i bought netspend card it did not work. They suggested to mail in partial payment via mail.Every week a different person calls (after i already explained on payday when i would be able to make the partial payment. The installment loan was supposed to be XXXX$ ( a month) strangely it is XXXX$ EVERY 2 weeks which is more then my car payment. I explain to them OVER AND OVER and OVER my paydays. they note in their computers. But have someone different calling every week. At this point it is severe HARASSMENT.
Product: Checking or savings account

XX/XX/13 there was an authorized charge on my checking account that I immediately notified my bank. I was looking at the price of the tickets and decided not to buy them closed the computer and when my husband looked the tickets were purchased and neither of us processed the charge. I told the bank they gave a provision credit and then about a month later it was put back on. I went into the branch to see what happened and my banker XXXX XXXX XXXX from US Bank said that the fraud department sent me a form. I never received a form and this has happened before with a credit card charge that was fraudulent and the same department said they sent documentation and didn't. Since they said that this documentation was sent and I knew it wasn't I asked if they could fax or email the document and they said no. I asked them if they could send it to the banker at my branch they said no I asked if they would send it certified and they said no. Now I am trying to get this resolved because my account is now negative and I can't close the account out and my bank won't assist me in correcting the issue. If a bank can't protect your money from fraudulent activity then what do you do to keep your money safe especially since it is not recommended for you to keep your money in your home?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several late payments that are reporting on my consumer report, that indeed I know for a fact was not late, my husband and I got a letter in the mail from XXXX XXXX XXXX stating their were a payment processing errors for certain months and they would contact the credit bureau 's to update those derogatory payments, but it has not been updated yet. The late payments that needs corrected are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX