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

Back in XXXX, I let Capital One know that i had been admitted into XXXX XXXX XXXX for emergency XXXX. I had been trying to work with them on my payments as i had been out of work while in the hospital. While i was there, I spoke with a represenative and advised that i was sending my sister to pay the outstanding balance on my account that day i believe XXXX/XXXX/XXXX. I was told at that time that as long as the payment was made that day i would be fine. That same morning, my roomate called me to inform me someone had come by and picked the car up. When i called Capital one, there phone system kept redirecting me to an alternate line which would immediately disconnect. this went on for a week. Further, once i received info on my car 's whereabouts, i was told multiple times that my car had not been repossessed. after about two weeks time, i finally got the information i needed. I feel extremely misled and wrongfully treated especially since i was in the hospital for emergency XXXX. I have always stayed in communication with Capital One and paid on my accounts with them.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights.

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
Product: Credit reporting or other personal consumer reports

I have identified erroneous information on my credit report, as outlined in XXXX XXXX XXXX. I believe this information is incorrect and negatively impacting my creditworthiness.
Product: Mortgage

I am in danger of losing my house at foreclosure sale because my lender Ocwen has been switching us from one department to another, losing my paperwork and misleading me.  I am behind on my mortgage, but our situation has stabilized and we now clearly make enough money to afford a fair mortgage payment. I was told by the Ocwen agents (when I could understand their XXXX) that I clearly qualified for modification help.  But after nearly 3 years of trying to get reviewed and mailing in full packages to them on multiple occasions I am now facing a XX/XX/XXXX sale date.  This property has been in my family for XXXX years, and I can not let it be foreclosed on!!

I refinanced several years ago and found out later that this adjustable rate loan that was sold as the best deal has a rate and payment that goes up constantly.  My interest rate is currently at 6.625% and will soon be at 7.25%.  I worked as a XXXX for over 25 years but began XXXX and was soon on a fixed income.  The problem was that my mortgage payment was going up as well as the cost of living etc.  I began struggling with the monthly mortgage payment and contacted Ocwen and was told that I could apply for help I just needed to fill out some paperwork and send in my financial information.  After the documents were received I was told by the agents at Ocwen that I definitely qualified for help, with my fixed income and my wife's employment with the XXXX we fit into guidelines.  However, we then went through two plus years of back and forth with Ocwen. We were never able to speak to the same person twice; there was not a single point of contact, and when we did get someone on the phone we usually could not understand them because they were working at a call center overseas.  A few months ago we were told that we were being denied for any type of help and that we needed to sell or move out of our house.

I am not shocked that this has occurred, because I have read that Ocwen has a history of misleading and lying to homeowners in foreclosure and in fact they were fined XXXX by the US government for these actions.  I am here to tell you that this is still a problem.  I want to save my home.  I have researched the guidelines for the government modification programs and I am sure that we qualify, the problem is that Ocwen has not conducted an accurate or timely review (if they ever conducted a review at all) of our current financial circumstances.
Product: Debt collection

I took out a payday loan from XXXX, paid regularly until i got behind, the debt went to a collection agency, i paid the amount in full, i paid a total of {$810.00} on a {$300.00} loan in 2013, have the receipts, if anything they owe me money. For the last 3 years, several agencies representing XXXX have threatened arrests and lawsuits, the last collection agency was weinman acquisition, this agency stated they were a county tax office trying to deliver or fax documents, i called XXXX, the representative never identified it was a collection agency or stated this was an attempt to collect a debt, look up some info on the internet apparently this company makes these illegal calls regularly, they left a message on my phone which i have saved for my records
Product: Debt collection

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed XXXX XXXX XXXX XXXX XXXX XXXX that I wanted a little more explanation on, and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



FRAUD ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX delete it from my credit report, XX/XX/2023 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/21 XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) offered terms for a HELOC which verbally included all closing costs. I applied. XXXX XXXX, the underwriter, later informed me that certain promises were not true. XXXX lied and said NC does not charge transfer taxes and a follow on conversation with XXXX XXXX continued this lie. NC most certainly has transfer taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and Equifax states the information is from XXXX XXXX credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

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

Lexington Law Firm They took the amount of XXXX over time and did nothing with my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX and XXXX  Account # XXXX, has violated my rights. 

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

Both XXXX and Transunion have been habitual offenders for dropping my credit for no intelligent reason. XXXX XXXX is reporting these mistakes. My credit erroneously dropped from XXXX to XXXX. My credit belongs at the excellent level of over 800. When these mistakes occur it takes several months to repair. The algorithyms are written to XXXX the consumer. Whatever my high balance has been on my credit cards, it has been XXXX   out consistently at the end of the billing period. I have paid my mortgage for 3 years on time. I have paid the lease of my car on time for 2 1/2 years. Bills are never late.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, I found out that I have 2 cards that can't be used and can't check the balance. I called the customer and asked what was wrong with my card. They told me that they locked my card and will Replace a new card for me, I called them on XX/XX/XXXX, and told me that I will receive new cards on XX/XX/XXXX and XXXX, respectively, a {$500.00} card ending in XXXX, and {$300.00} card that ends in XXXX, but I didn't receive it until today, I found out that they sent the card to a wrong address, XXXX XXXX XXXX XXXX XXXX, there is a small error in this address, the correct one is XXXX XXXX XXXX XXXX XXXX, I asked to resend me to the correct address, or change the two replacement cards to the correct address, but they refused me, gave me the case number and kept me waiting, I have been waiting for half a month Didn't receive my card, and asked me to continue to wait, and asked me to upload my privacy documents, the gift card is originally an anonymous shopping card, even though I uploaded my purchase receipt, I didn't get a reply from them as soon as possible, I'm so helpless, I don't want to lose XXXX dollars, this is my family 's money to buy food, I've waited too long, please help case number is XXXX and XXXX.
Product: Debt collection

Received a call for a student loan that is owed by someone with the same name as me. I have been receiving these calls since XX/XX/XXXX. I received a voicemail on XX/XX/2019 at XXXX XXXX from an agent XXXX XXXX agent ID # XXXX from number XXXX. I called and have informed them that I do not have student loans and to stop calling. The calls continued about 2 to 3 time a day and still continuing and I would block the number and they would call from a different number. This is very harassing when I am at work and have to deal with this everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I
Product: Credit reporting

I have XXXX acounts on my TransUnion credit report that shows XXXX XXXX # XXXX show 60 days past due but it has been paid off and closed. The Status should say Paid off and closed instead of 60 days past due. The other account is XXXX XXXX XXXX is showing the same thing. Pay status should show paid off and closed as wel
Product: Credit card or prepaid card

COMPLAINT No.1 : Synchrony Bank allegedly " upgraded '' its care credit card to XXXX XXXX with the assurance that their card is accepted wherever XXXX is accepted. Exhibit I is a copy of a recent chat session ( page 1 ) confirms this allegation, yet ( page 2 ) refutes this assertion and confirms my frequent issue with wrongful declinations from Synchrony Bank. COMPLAINT No.2 : Exhibit II documents a recent PayPal payment that I ordered. Although posted to my PayPal account, the disbursement was not issued. Synchrony Bank is the servicer for PayPal. This is not the first time I have experienced accounting issues with Synchrony Bank. I wrote to the Office of the President as well as to XXXX XXXX, CEO directly and there was no response or acknowledgement. Synchrony Bank 's failure to respond is not surprising. CFPB Complaint No. XXXX remains open despite their missing their XX/XX/2023 by almost a month.
Product: Credit card or prepaid card

I am a paying member of the XXXX XXXX  app. In this app, there is a XXXX section where credit providers pay XXXX to advertise their credit cards. 
On XX/XX/2022 I logged into the XXXX app and was presented with a pre-approved Discover credit card option link. The link stated I was pre-approved for a Discover Card, and by clicking it I would be taken to an application page to accept the pre-approved offer. The link also said there would be no effect to my credit score by clicking the link. 
I clicked the link, and was told that they needed additional time to process my application even though there was a claim of being pre-approved. 
Upon exiting the Discover application, I was notified by the XXXX system that my credit report was obtained by Discover even though their link stated there would be no effect on my credit score. I was informed it was a hard credit pull that decreased my XXXX score by 10 points.

Approximately 10 days later, I received a denial notice from Discover by XXXX mail. So much for being pre-approved.
Product: Debt collection

I received an alert from all 3 credit bureaus informing me about a collection that was placed on my credit. 
The name of the collection company is IC system. I never received any letters or debt validation from this company. I know my rights and I understand my consumer rights to dispute any information that is in error or not mine. I tried contacting this company about validation of the debt they claim I owe them. I need this company to send all signed documents stating that I agreed to pay them {$460.00}. I also need original copies and agreements between myself and this company. I do not have any knowledge about this debt they claim I owe. I am a very responsible person and this collection that they sent to the 3 major credit bureaus is damaging to my credit. PLEASE NOTE I DID NOT HAVE ANY HISTORY OF LATE PAYMENTS OR COLLECTIONS UNTIL THIS COMPANY PUT THIS ERROR ON MY REPORT.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that my freeze be removed permanently. My name is XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX My XXXX XXXX. My SS XXXX. 
Please remove any and all XXXX freezes at once.
Product: Checking or savings account

I have an XXXX account with Optum Bank. Optum bank maintains an expense history that I can reimburse fully or partially from. Their bank has recently broken the ability to partially reimburse an expense and their agents have said they can't do anything until the back office responds by email. This is a problem since I have a payment plan for an orthodontic bill. 

I'm needing reimbursed from my XXXX as the partial payments are due. When I tried to do a partial reimbursement, as I have in the past, I discovered the Optum bank app has been changed and they've removed historical expense management from the XXXX app. Trying to use the website, the functionality for partial payments is broken ( I've previously only used the XXXX app for this function ). 

I reached out to Optum 's technical support by phone and they acknowledged the functionality is broken on the website and missing from the app. The only solution they offered me was to wait for an email from their back office and they were unable to help me on the phone. This means that I can't issue a partial payment for an existing expense due to their system breakage. I attempted to escalate the problem with a supervisor but have not received an acceptable response- they said they would notify the back office of my feedback and said that's the best they can do. 

As a bank, being able to withdraw funds to issue payments is critical. I'm currently unable to do so due to their website & app issues. No such functionality is offered by the bank via the phone.
Product: Credit reporting or other personal consumer reports

I pulled my credit report from the XXXX and saw a bunch of hard inquires from companies I have not requested or given permission to run my credit. My goal is to get them removed from my credit report. That is why I am reaching out and filing a complaint : XXXX XXXX XXXX XXXX, XX/XX/year> Thank you for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please review these accounts that appear on my credit report, they do not belong to me and are hurting me. 
Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

2. Identity Theft WFDS  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I bought a token through my coinbase wallet. The token was transferred into my walle but it is not clear where it has been deposited. 
I contacted with coinbase within next 3 days later I could not get any help from coinbase customer service to trck mt tokens. 
on day 3, coinbase customer service after 6 hour keo me waiting started chatting and gave me brief troublechooting to resolve issue then after 20 minutes chat was terrminated by staff, I tries several times to resume chat to complete troubleshooting but attempt was unsuccessful and they locked my coinbase account. 
Since that time XXXX email I asked several question why chat was terminated, why you customer service kept me waiting three days and lots of other question but they deny answering my questions.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to remove hard inquiries for mortgage loan within 45 days.
Product: Debt collection

I have received approximately 12 calls in the past 3 months on my cell phone from XXXX or XXXX. Each call has been a recording and claiming to be from Harris and Harris stating I owe some debt and I need to call them. 
To my knowledge I owe no one anything nor have I received any documentation via US MAIL documenting any debt. 
I suspect this is a phishing scam.
Product: Debt collection

Sent two letters each to the company to verify two debts. None of the letters were replied too
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit plus company has been running my credit now for 2 times XX/XX/XXXX and XX/XX/XXXX I have not authorized any transfer or that they charge my credit and they have done it twice, I called the company and they do not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am writing to formally request the removal of several accounts and inquiries from my XXXX XXXX These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my XXXX XXXX, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my XXXX have resulted in negative remarks that are adversely affecting my XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023