23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the past year had a mortgage with XXXX wholesale mortgage and never had a problem. My loan was sold to Loancare without notice. My employer was making my mortgage payments for me due to medical issues and sent in a payment XX/XX/XXXX for XXXX. I was told there would be no late fees for 60 days due to the sale of my loan. I had my employer send in the loan amount that I had paid for the past year because I had received no notice of increased amount. Loancare applied the payment to XXXX ' bill instead of XXXX, even though XXXX ' bill was not due until XX/XX/XXXX and I had been in communication with Loancare, noting on my account about my employer paying the amount and that it would be a little late because I had no documentation provided by Loancare to submit to my employer in order to pay the bill. Loancare is now saying that my monthly loan amount has increased over 100.00 per month, when my property taxes have stayed the same and my insurance has only increased roughly 12.00 per month. I have read many complaints as to the mishandling of loans by Loancare and every time I contact them, I get a different answer. I am now considered " in default '' of my loan because they refuse to send me a breakdown of the costs verifying that what they say is true.
Product: Credit card or prepaid card

This is the certified letter I sent to them last week regarding my account see below. I have a credit refund balance since XXXX. They sent me checks of the years but I never cashed them because I wasn't aware of credit refund and thought it was a scam to cash. I contacted them in XXXX in XXXX and told then I didn't realize I had auto pay on my account and is requesting a credit refund of all the amounts taken from XXXX of opening of the account. I was making XXXX payments a month apparently. I mailed them this letter below since the correspondence department handles this and mail is the only option this is what I was told via phone. I contacted them today again for a follow up XX/XX/XXXX via phone and they stated they did receive my letter and stated it wasn't clear of what I wanted which I did indicate exactly my request of all monies owed to for overpayment to be sent to me via check. They are not willing to send me my check of monies owed and I am reporting them for fraud and not returning monies owed to me legally. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Attention : XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Refund of Credit Balance Dear First Progressive, I hope this letter finds you well. I am writing to request a refund of the credit balance on my account with your company. The purpose of this letter is to request for a credit balance refund for the entire duration of account opened since XX/XX/XXXX. 

As a valued customer, I recently noticed that my account shows a credit balance. After reviewing my records, I have confirmed that this overpayment was made unintentionally. Therefore, I kindly request that you process a refund for the excess amount as soon as possible. 

I would appreciate it if you could initiate the refund process and provide me with an estimated timeframe for when I can expect to receive the refund. Please ensure that the refund check is issued with the full amount owed to me from the beginning of the opening of the account. 
If there are any further documents or forms required to complete this refund process, please inform me promptly. I am committed to providing any necessary information to expedite this transaction. 

I would like to express my gratitude for your prompt attention to this matter. I value your excellent customer service and I am confident that you will handle this refund request with the utmost professionalism. I look forward to receiving the refund at your earliest convenience. 

Should you require any additional information or have any questions, please do not hesitate to contact me via email or phone, as indicated above. Thank you in advance for your assistance.
Product: Credit card or prepaid card

This company is getting ridiculous. I called their CS line yesterday as I noticed that my AUTOMATIC PAYMENT wasnt looking like it was going through under card account ending in XXXX. Chase should KNOW how their own app works. Their is an option to edit your existing automatic payment and I did - I updated the bank it was being pulled from last week. It said pending for XX/XX/XXXX under my XXXX account ending in XXXX. When I told the customer service man on the telephone last night that I didnt see it posted yet, he said he didnt see it either on his end, and that I should make a payment to avoid a late payment and fee. So I canceled the automatic payment and paid from my XXXX account XXXX. He said he could now see it, apologized that the APP didnt show that supposedly it takes a full bill cycle to change a bank yet it was pending yesterday for XX/XX/XXXX under the different bank XXXX. So if I didnt call him - and he didnt tell me this because their app is a JOKE as is their whole bank at this point, then I wouldnt have known. Now I see that it says Im late and there is a XXXX late fee which he never told me about he said I was good. I also have the screenshots of the payment last night. I did get in touch with chase and said I dont want this reported to the three credit bureaus as THEY CAN SEE I HAVE NEVER BEEN LATE SINCE I HAD THIS CARD AND THEY SHOULD SEE I DONT USE THE CARD ANYMORE EITHER. So for them to allow me to edit an automatic payment where it says pending for the due date that day and then I check to see why its saying its still due last night- IS why I called them. I have again never been late and Im not paying for a mistake the XXXX or paying by it being reported as late to the credit bureaus bc of their app problems and 2. I did pay it on the due date anyway. I can give my attorneys number if they dont rectify this as they are screwing up on a number of issues with a different account.
Product: Debt collection

I have a personal loan with XXXX XXXX, which I am couple of months behind on right now. I am going through a financial hardship I already talked to them on the phone about a week ago and tried to workout some type of hardship payment plan, where I would pay the interest only on the payment. They said they do n't do that. I told them not to call my work, I ca n't take personal calls at work. Which XXXX from Mariner Finance from phone number XXXX called my work today ( XXXX/XXXX/2015 ) at XXXX am talked to my Manager to verify employment and asked for my company 's address to submit a wage garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a Pre-qualification From Navy Federal XXXX XXXX I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from a credit company, " XXXX ''. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because Navy Federal is one of my favorite Unions. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( Navy Federal XXXX XXXX  ). 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have medical insurance and should not owe a medical bill, requesting proper validation again
Product: Prepaid card

I purchased myself a {$200.00} AMEX gift card today, XX/XX/year> at XXXX, to use for a specific website that allows AMEX XXXX, but the card got declined. 
I tried using it at another website that also accepts AMEX, declined again. 

I looked at online forums of others with experience with these cards, and they said that these gift cards are notorious for getting declined everywhere. And going to their customer support is useless cause they redirect where to go, rather than actually help. 

I came here from one of those forums.
Product: Mortgage

Company has not paid my taxes in a year. I have called 6-7 times to request payment. Every time I speak to them they say that they will pay the taxes and have not. I am concerned that a lien will be put on my property.
Product: Debt collection

My account with XXXX  has been trouble since the beginning. have tried to resolve my issues with them, by phone, by letters and asking for arbitration. Now my bill has been sent to a collection agency, AmSher Collection Services , Inc . I am a victim of identity theft and I carried insurance on all three of my devices. I also had identity theft protection through them. I asked to go through arbitration. I'm not sure what to do at this point. I was overcharged for my services and my srevice was cut off which made me pay reconnect fees on each device. There is a XXXX dollar payment that they can't account for. I tried to resolve all of these problems and more to no avail. My personal, medical, psychological, and legal information was breeched. Someone else was using my data because my devices had malware my cybersecurity was breeched.
Product: Credit card or prepaid card

XXXX sent me defective merchandise. I made a rightful claim which XXXX refused without justification. They are now harassing me daily and ruining my credit for something that they did by not following the law. 

I have no intention of paying XXXX  for the defective merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Experian 4 times about an account that is not verified to be my account. I have asked them several times to show me the proof they have that the debt belongs to me. If it is my debt and you have verification then you should be able to send me that proof or else remove the item as suggested in the FCRA. they have yet to remove the item nor have they sent me proof that the debt in question belongs to me. 

This is all they sent The dispute for the account with XXXX XXXX XXXX, XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 
Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Complaint Regarding Experian, XXXX Violation of FCRA in Reporting Inaccurate Information To Whom It May Concern : I am writing to file a formal complaint against Experian, XXXX for failing to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated the FCRA by failing to properly investigate and update inaccurate information on my credit report despite my timely dispute. 
The issue concerns inaccurate reporting on my XXXX credit card account. I submitted a dispute to Experian, XXXX notifying them of the errors and providing supporting documentation to demonstrate the inaccuracies. However, they failed to conduct a reasonable investigation or update the information as required by the FCRA. 
This failure constitutes a clear violation of FCRA provisions, particularly those that mandate credit reporting agencies to ensure the accuracy of consumer credit information and to investigate disputes thoroughly and promptly. 
The inaccuracies on my credit report have caused significant harm to my creditworthiness, and I request immediate corrective action. Specifically, I am asking that : Experian, XXXX conducts a thorough and reasonable investigation into the disputed information. 
Experian, XXXX updates my credit report to reflect accurate information for my XXXX account. 
A detailed explanation of their investigation findings and corrective actions is provided to me. 
Enclosed, you will find copies of the following documents to support my complaint : Supporting documentation for the dispute. 

I respectfully request the CFPB to take appropriate action to ensure Experian complies with its legal obligations under the FCRA. I look forward to your assistance in resolving this matter and ensuring that Experian, XXXX fulfills its duties as a credit reporting agency. 
Thank you for your time and attention to this matter. 
Sincerely,
Product: Credit card

I filed an identity theft affidavit quite some time ago regarding XXXX XXXX credit card appearing on my credit report I submitted the documentation over to XXXX XXXXXXXX. The information was removed from my credit report now here as of late Midland credit is now trying to collect on this debt that was identified as identity theft. My identity has been on high alert since 2012 when a Florida inmate got a hold of my entire child support case profile which contained my Social Security card, my birth certificate, date of birth place of employment, along with my childrens information and their dads Midland responded stating that they provided proof regarding the debt. However, the only thing that was provided was a bill that shows charges and no payments ever being made on the bill. They requested a police report. I filed numerous police reports prior to this situation and was advised that I did not have to continue following police report as there is an alert on my credit profile. Needless to say, my credit information was also compromise by the credit bureaus, and their multiple data breaches the information will be enclose in this documentation. It was mentioned in my previous complaint that the dates did not online. However, if the identity theft report or affidavit was read correctly, it ask when I noticed the fraud on my account, not the date that the card was issued or applied for. I do not use credit cards this is the ONLY derogatory mark on my credit report, which has made my report score go down drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report through XXXX. I noticed a collection for XXXX XXXX XXXX/XXXX XXXX   on my Transunion credit report. The debt is with XXXX XXXX XXXX.Which this same company goes by XXXX XXXX XXXX XXXX.I do not owe XXXX XXXX XXXX. I have contacted CFPB a number of times. Regarding inaccurate information being reported to all 3 Credit Bureaus. Transunion, XXXX, XXXX. I have disputed this with XXXX XXXX XXXX XXXX. Which the same company as XXXX XXXX XXXX. This was deleted from my credit report on XX/XX/2017. The CFPB is supposed to protect me the consumer. When receiving a complaint from a consumer. The furnisher has to show verification and validation. To back up an accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate. In any dispute, the furnisher of the information can either verify the accuracy of what they have reported or correct the inaccuracy should they agree that it is currently inaccurate. I am requesting that this negative collection be removed from my Transunion Credit report. As it is inaccurate, and prohibiting me from acquiring promotions at my place of employment. As well as receiving adequate housing due to this collection reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT ARE LISTED ON MY FTC REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on Trans Union Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING  AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and Trans Union have failed to do either.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED - XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX CRED # XXXX - DATE XXXX XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am demanding immediate action to address and remove them. 

Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have filed an identity theft report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Product: Debt collection

On XX/XX/2021 MRS Associates reported a bad debt of {$560.00} to credit bureaus that is adversely affecting my credit. They did this even though this debt has been resolved and was not mine to begin with and they did this without the courtesy of a letter of phone call to me. They are acting on behalf of their client, XXXX, re : a cable bill. I have all of the documentation to back up why I do not owe XXXX a XXXX and how this debt had already been adjudicated in the past. In fact, MRS already knew this debt was nonsense and still did this to me. This feels like criminal behavior on the part of MRS Associates and I am furious that a company so dishonest as them can effect the credit of a person who pays their bills. I have contacted them on their website and email address 5 days ago but have still not received a response. In the meantime, my credit suffers because of these negligent clowns.