23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took out a loan out of desperation - I was advised on the site that this was not a cheap way to borrow money but I was led to believe that I could make payments and pay it off over a short period of time - this was not the case. I called them and let them know I was having difficulty but they were still withdrawing money. I then tried contacting a negotiator - in XXXX my balance was XXXX - they kept adding exorbitant interest and in XXXX said I owed XXXX - but they would accept XXXX - the best they would accept I have continued to make payments but found out that in Pennsylvania it is illegal for this kind of interest. and that my state is going after these companies that try to avoid regulation by saying they only listen to tribal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with  them 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 Unknown company needs removed XXXX XXXX Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX  that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to First Point collections resources to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you.

First point collection resources Please delete all hard inquires listed in documents and above.
Product: Student loan

My private student loans through Navient were in a repayment status with a reduced interest rate which made my payments affordable. Without my consent or knowledge they pulled my credit and determined I was able to make full payments. My credit report tells them that I have been working hard to pay on time, it does n't tell them that I can afford to have my interest rate increase to 10 % from 1 %. I was pushed to make a payment which was 25 days late ( because I could n't afford to pay the new monthly amount ) in order to be considered for an extension on the reduced interest rate program. After the representative noted I had made the payment, then she noticed that I was not eligible for any repayment options and that there was not a supervisor to speak with. Her employee ID is XXXX.
Product: Mortgage

I have signed a contract stating that, the seller of the property I am buying can refuse unreasonable offers, over the specified monthly payment. I have placed my home on the market and am in escrow. I have been told, as well as the title company that the home ca n't be sold, if she refuses. The reasoning is due to taxes that would have to be paid for capital gains. I have consulted an attorney - been advised that this is very close to crossing lines, since the seller is an attorney who is selling homes, loans money, etc. Multiple emails have been sent to the seller, with no response ; until pay off information was requested by title company. I was told that if she knew I was going to end up selling, she would have charged me more to buy the house. I had previously requested a home equity loan, and was given a XXXX separate loan, so I am now paying additional interest on the home. Apparently, because this person does n't want to pay additional taxes, I am not able to sell my home, obtain my equity so I can move on in my life. She is expecting all of the people who are under contract with her company to stay in their for 30 years at a high interest rate, rent the home out, have someone assume their loan, or give the property back, so that it can be resold at a higher rate. The homes are as is, I have found out that there is an oil tank in my back yard that has not been decommissioned, and the house is over XXXX XXXX XXXX, so I am not the first buyer of this property. Also, I have recently found out that paperwork has not been filed, showing proof that I am currently purchasing the property. When I did have someone who was interested in assuming my loan, the current seller wanted to charge me {$350.00} to file the paperwork. According to the title company, nothing has been filed on my home purchase and I have lived in the house, paying taxes for the past 5 years. The list goes on and on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send over several dispute letters re : XXXX wring late payments. XXXX is reporting that I made a few late payment back in XXXX and XXXX. I asked XXXX to fix this situation over and over again because it is causing my credit report to be in the negative status. XXXX is reporting that I am 90 late without being 30 late 1st on my credit report. How can you be 90 days late without being 30 days late? This a clearly a violation of the FCRA.
Product: Checking or savings account

On XX/XX/2023, I was a victim of identity theft. My Bank of America Debit Card was obtained by cybercriminals using the XXXX XXXX website. They then created a XXXX XXXX XXXX  account in which they purchased over {$2000.00} in gift cards to XXXX XXXX XXXX using the Mileage Plus X platform. I contacted Bank of America 's fraud department to notify them of this crime, and then contacted XXXX, who said that their fraud department would follow up in a few days. Happy to provide all information as needed as the notifications for the account sign up and purchases were sent to my email address. I have filed a police report with my local police department and have filed a report with the FTC as well, both attached.
Product: Mortgage

I am writing to urgently bring to your attention a concerning issue regarding receiving collections from the county due to unpaid taxes even though I paid as agreed via my monthly mortgage payments in 2020 ( and the entirety of my loan ) which is when county says they did not receive payment This situation is highly distressing and unacceptable, especially considering my consistent track record of timely payments. 

I kindly request your immediate assistance in resolving this matter. It is crucial that we rectify this error swiftly to prevent any adverse impact on my credit score Address : XXXX XXXX XXXX XXXX Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get an error fixed 3 times and Experian has failed to address the issue in all responses. XXXX express is showing late payments. I did not have a single late payment with this account. There was en error in processing from the bank that had nothing to do with me.
Product: Bank account or service

on XXXX XXXX a charge to my account without my authorization was made by XXXX XXXX, when contacting my bank they refused to allow me to dispute the debt. I bank with Chase located at : XXXX XXXX XXXX XXXX CA ph XXXX XXXX XXXX. The Chase account was not used as security for XXXX and they claim they know that I have signed an agreement with XXXX that allows them to charge any card on file with or without my authorization. They refused to open up a claim unless I closed my account which would result in several bank charges for pending bill payments. XXXX has a pending claim with you now and there was no way to add Chase to the complaint. Chase was notified once the charges went from pending to paid and the representative refused to allow me the right to dispute the charges because he felt they were owed.
Product: Credit card

Around the end of XXXX, PayPal Master Card ( PPMC ) notified me I was late with my XXXX payment ( of approximately {$85.00} ). I immediately went on line to pay it, but instead of paying the amount due of only ( approximately ) {$85.00}, I decided to pay my entire balance of ( approximately ) {$1200.00} that would be due on the NEXT due date. I set ( approximately ) {$1200.00} as the amount to be paid, the date as that days date. I hip pay, but got no spinning wheel, and no payment verification number. I tried again : I set ( approximately ) {$1200.00} as the amount to be paid, the date as that days date. I hip pay, Again, NOTHING HAPPENED THAT I COULD SEE. I called PPMC, eventually reached a live human being on a recorded line, explained what had happened. He told me PPMCs system didnt permit him to do anything about it. He told me my options were to allow ( approximately ) {$2500.00} to go from my bank account, to PPMC, wait approximately XXXX weeks for the payments to clear, then request a refund, OR, go to my bank, and stop payment. I complained, strenuously, that it would cost me {$50.00} to stop payment. I went to my bank and stopped payment, BUT PPMCs SYSTEMS reaction to my stopped payments created a new, and MUCH WORSE PROBLEM FOR ME : IT TREATE D MY STOPPED PAYMENTS AS BOUNCED PAYMENTS, i.e., payments made `with isufficient/no funds in my bank account, AND CANCELLED MY PPMC ( that had a credit limit of {$11000.00} ), but to which I had never charged more than a few thousand dollars. Ive called PPMC, only reached low-level staff, who then put me on hold while they talk to a supervisor, then return to the line to tell me to WAIT several weeks for a reply. I HAVE NEVER GOTTEN A REPLY! Ive called them back again & again, only to go through the same, EXCEEDINGLY TIME-CONSUMING process. As things stand now, PPMC has reported to the credit report companies that because my payments repeatedly bounced, PPMC closed my PPMC account. Interestingly ( and ironically ), PayPal did NOT close my PayPal Credit, and it remains open, and in good standing, with ( approximately ) {$5000.00} available credit.
Product: Credit card or prepaid card

Someone use my credit card when that bank was transiting to XXXX  XXXX And they use my credit at Sam / whole sale which in that time they were giving credit to anybody bc of their sales were they were down, and they did not check if that card was the right person or not. They were using it and paying for it until they stop paying, and that how they put it in my credit. I demand that debt is off my credit or else I will sue them.
Product: Prepaid card

I have a cash app account that my direct deposit goes to and I somehow got locked out of it so I started contacting support and they told me that they would give me access if I could open a new account and verify everything with my old account so I did I did everything they asked me to it and I opened a new account and it Closed immediately because of some type of violation, I verified my old account by my cash tag by my name by my birthday by my social I even have the pin code to it and then like I said, I have every statement since and every transaction to prove that its mine Cash app is still refusing to let me into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

- TransUnion is intentionally preventing me from filing an Identity Theft Alert on my consumer credit report. During the online process, the form to apply an Identity Theft Alert form loads but redirects me to an Error Page after several moments. This is not new. 
- For the past week, I have been attempting to file a dispute online regarding inaccurate information on my consumer credit. However, every time I login to the TransUnion 's Dispute Center I receive the same error message from above.
Product: Debt collection

It all start calling me late in night and saying I Have to Pay this bill or it will get reported. I Told them to contact my lawyer and Michael Harrison reject my lawyer because he do n't have a licence of New jersey.
So then my lawyer told me that my case is not worthy for him and he quite my case.by this time I have only 60 day left to get reported to credit agency.
After my lawyer did this to me I contact Michael Harrison and inform them that I will contact my insurance and they will make a payment. 

I email XXXX a lady work for Auto insurance company. and told her all this. she made payment but there were two codes that was not paid. Now at this point they start sending me bills as a new account. mean they restart my 90 days period. 

so after receiving another paper form Michael Harrison saying its my first warning and I have 90 days to pay off the rest amount I contact them and ask what is the issues they explain me that there is still money left on account.so I contact my insurance lady again and she made the payments and everything was clear. 

after all this done. 6 month later I find out that Michael Harrison report to my credit that I owe them 900 something. 

I call then again and The manager call rude and said mean things and say she cant do anything even when she is wrong. they want me to fix it by reporting to some agency. 

I have all the bills and emails saved please help me to stop these people hurting American tax pay citizen. 

Please help me and give me justice.
Product: Mortgage

To : Guild Mortgage Company XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Department Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I find it despicable that I applied for a home loan with Guild Mortgage Company on or around XXXX XXXX, as you would know time is of the essence when buying a home. I sought out a loan of XXXX to XXXX and was made aware that I could not be approved but for only XXXX. I accepted the amount, however XXXX XXXX the loan officer I was working with became rude as if the amount hurt her more and wasnt enough for her to deal with and I was left hanging NO response at all. I have called and emailed several times asking for the approval letter for what I qualify for XXXX so I could proceed with looking for a home. I was able to find XXXX separate homes I liked in that range while waiting for a response. However, I was unable to submit a bid because I didnt have an preapproval letter nor did she ever reply as of the date of this letter. 
I was devastated that the loan officer would basically treat me with a prejudice, second class because of my income wouldnt allow for more, so she gave me nothing. XXXX XXXX cost me a nice home, credit hard inquiry which does impact me when applying again and lost time. 
I feel humiliated, to not get the approval letter at all nor home buying counseling all the things you are promise before applying to find out that if you dont qualify for enough commission she wants to received then you are wasting your time and credit with this company. 
This is unfair and should not happen to anyone! 

I want the hard inquiry removed from my credit report for the company did not provide what was promise to pull credit
Product: Debt collection

I see a collect debt on my credit report from XXXX XXXX XXXX, from original 01 XXXX XXXX XXXX. 

I reached out to the collection agency, but the issue has not been resolved.
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. 
XXXX5 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 may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose. 

XXXX XXXX XXXX XXXX XXXX : {$1500.00} Original Creditor : XXXX comenity XXXX  disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX XXXX Open Balance : {$5600.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX  disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 


XXXX XXXX XXXX XXXX Open Balance : {$630.00} Original Creditor : XXXX XXXX XXXX disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX  open balance : {$240.00} Original creditor : XXXX XXXX XXXX  disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

CLOSED ACCOUNTS XXXX  XXXX Reported balance : {$950.00} Closed XX/XX/XXXX XXXX  XXXX REPORTED BALANCE : {$0.00} Closed XXXX XXXX XXXX XXXX XXXXk Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account due to inaccurate reporting multiple times with XXXX and Experian. It comes back " Verified as Accurate by Creditor '' every time. The information is inconsistently reporting between XXXX and Experian. How is that possible that it comes verified as accurate each time? The high credit is inconsistent. The credit limit is inconsistent. The date of last payment is inconsistent. This account also is " Open '' yet reporting as a collection/charge-off. How is that possible? The Credit Bureaus are not in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. XXXX  now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The info rmation listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have ma de. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I would like to dispute off inaccurate accounts listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXERIAN : 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 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 XXXXXX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fha loan in 2009 that was short sold. I was not delinquent. They just removed the dhi mortgage account from my credit & dropped my score XXXX points when I have had great standing with my credit & that should have been removed years ago but at this point my score should of went up instead of down. I have been working very hard on building my credit & every time Im in good standing they find a factious reason to change or add something negative to my credit that drops my score tremendously. I feel this is truly not fair & should be looked into & Reevaluated. Thank you for your time & consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 ( section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an 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 information, other than records of convictions of crimes ( they may only report crimes, not debts ) 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: Debt collection

I sent a debt verification letter to the company on XX/XX/year>. The company responded with a last bill and no other information verifying the debt. 
Section 809 of the FDCPA : This section outlines the " validation of debts. '' It requires that when a consumer requests verification of a debt within 30 days of receiving a debt collection notice, the collector must provide written verification of the debt. This verification should include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
Any additional information that validates the debt and proves that the collector is authorized to collect on it. 
Section 809 ( b ) : If the debt collector doesnt provide verification after a valid request, they must cease collection efforts until the verification is provided.