23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is claiming that I have a debt to them, but I have never signed any legal paperwork and Im not even sure on who this company is harassing my phone calling me day and night calling me at any time of the day from the earliest aXXXX XXXX XXXX the latest aXXXX XXXX XXXX  at night even calling me on the weekends
Product: Credit reporting

I requested an investigation from the credit bureau twice for a mistake on a delinquency. My credit report states the account had been paid and closed on XXXX/XXXX/2014. However, it also states the account has been transferred to another office. When I contacted the company that I had the account with they state its has been paid in full and is closed. I have been disputing the issue for a couple years now. The credit bureau made a remark stating that the investigation has been completed and that I disagree with them. Yet no one can give me the information on this mysterious " office '' that now has my account which was already paid in full and closed. Please help, I dont know what else I can do. Fixing my credit is very important to me. Thank you
Product: Prepaid card

I have attempted to use a pre paid American Express gift card online, and in-stores. The card has continued to be declined, and I have been able to spend the {$300.00} on the gift card. The only transaction which has gone through was a {$0.00} pending transaction from XXXX ( via XXXX XXXX ). These transactions include : {$120.00} at XXXX XXXX on XX/XX/2024 {$140.00} at XXXX XXXX XXXX XXXX on XX/XX/2024 I attempted to contact AmEx on XX/XX/2024 and was not able to get in contact with costumer support, only a prerecorded message. 

I can provide card number or any other additional details
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 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, not later than XXXX  business days after the date of receipt by such agency of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Student loan

I am requesting action to correct a mistake made on the part of FedLoan Servicing regarding my student loans. It is delaying my qualification for loan forgiveness and thus costing me 5 months of extra payments that I should not be responsible for. 

As you may know, the PSLF ( Public Service Loan Forgiveness ) program provides a path to forgiveness of remaining loan balance after 120 payments made while working full time in nonprofit, government or military. 

Between XX/XX/XXXX and XX/XX/XXXX, while working full time in nonprofit, I made full monthly payments towards my Federal Direct Loans. These 5 payments were made while my loans were serviced by a different servicer, XXXX XXXX. The loan was transferred to FedLoan Servicing in XXXX. XXXX XXXX no longer keeps records after this transfer. 

According to FedLoan, these payments do not counted towards the total 120 payments simply because it occurred prior to the transfer and they have yet to verify. I disagree as these payments were made with all stipulations of the program satisfied. They should be counted towards my total of 120. 

Over one year ago, I called to request a manual recount. The recount has not been completed. I called FedLoan Ombudsman today ( XX/XX/XXXX ) to get an update and was told there is no estimate time as to when this can be completed. The agent, XXXX XXXX did not provide any assurance that it would be done in a timely manner, or that it would be done at all. She did not offer to transfer me to someone who might be able to help. 
I am down to my last few payments of the 120 total, I do not have much time left to get this done and thus I am requesting your help. 

In the attachment, the circled payments are those pending review.
Product: Credit card or prepaid card

Hello, I have recently discovered a large issue with my XXXX XXXX/Care Credit account. They have charged unauthorized card security fees labeled as " Card Security XXXX. '' Synchrony/Care Credit said they would investigate and it may take up to two weeks. Also said they would send me the paperwork proof I signed up if available. So obviously they are going to make up some paperwork or they 've snuck in the agreement to this somewhere in a very sneaky way. Regardless of either of those things, I never willingly or consciously agreed to anything of that nature. I never have and never will. The charges are currently {$42.00} per month but are based in a small percentage of your balance. For some reason only statements after 2016 are available, but the charges date back at least that far. After all this time I have just now discovered this. In addition, I have paid interest fees as a result of these card security fees. The fees have caused me to pay $ XXXX monthly in unnecessary interest. My balance has stayed roughly the same for years because of all this.
Product: Credit reporting

Experian 's upload/dipute system is non-functioning so I ca n't dispute these items on my credit report. 
XXXX, ACCT NO.XXXX has XXXX collection accounts reporting for years reporting a duplicate collection for a single service with slightly different amounts and a single digit difference in the account number XXXX and XXXX dollars.the original creditor is XXXX.Please delete XXXX accounts.
Product: Payday loan

A guy from Eloans sent me and email and said that I got approved for a {$5000.00}. I called him and talked about the loan the payments, ect. He said that they did n't need any collateral only thing I had to do was send {$140.00} to put insurance on my loan just in case something happened to me. I sent the money and he told me that someone would called me from XXXX XXXX with an activation code. So the guy called me and gave me the code but it was a lot of breakish in the phone. Then another guy called me from XXXX XXXX XXXX to get the code so he could deposit the money into my account. When I gave him the code it was wrong so he called XXXX XXXX and told them the code was invalid so the guy from XXXX said that I would have to pay {$200.00} just to get another code I told him I did n't have it. I told that sounded crazy. So the guy from XXXX said that when its a miscommunication between to parties that the customer was responsible for the {$200.00} and that XXXX XXXX had to pay me {$4000.00} that was their penalty. I knew then I had been scammed.
Product: Credit card

I am writing to formally lodge a complaint regarding a series of distressing events related to a recent transaction on my American Express card. The situation has caused significant stress and financial inconvenience, and I am seeking a resolution that includes a full refund and compensation for the difficulties experienced. 
Timeline of Events : XX/XX/year> : I made a booking at XXXX XXXX XXXX for a stay from XX/XX/XXXX to XX/XX/XXXX, amounting to {$1800.00}. The transaction was authorized using the XXXX pass, and I believed everything was in order. 
XX/XX/year> : I received a notice that the transaction was declined. An email from the hotel stated, " Thank you for choosing our XXXX XXXX XXXX for your coming stay. As per your booking terms and conditions, you booked for a non-refundable booking and our system tried to charge you the full amount. Unfortunately, the payment was refused by your credit card company. '' Confused and stressed by the declination despite using the XXXX pass, I immediately sought alternative accommodation, given the impending nature of our vacation. Consequently, I booked another hotel at a higher price to ensure we had a place to stay. 
Further complicating matters, I received another email from the hotel confirming the cancellation of our booking due to the declined payment. To address this, I contacted American Express multiple times to explain the stress and inconvenience caused by this situation. 
Despite these efforts, I was shocked to discover that American Express eventually approved the initial charge after the declination, resulting in a double booking and double charges on my account. This has not only doubled our accommodation costs but also exacerbated our stress and inconvenience significantly.
Product: Credit reporting or other personal consumer reports

I am a Victim of ID Theft. Some one used my credit to opened a credit card under my name with out my knowledge or authorization. This account appears reporting in my credit as mine and it is not mine.
Product: Debt collection

By letter dated XX/XX/XXXX enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) continue to falsely imply that I defaulted on my mortgage loan as of XX/XX/XXXX, and continue to pursue an illegal foreclosure by falsely declaring the same, when at all relevant times : said claims of default in your communication and set forth within pleadings filed in Docket No. : XXXX contradict the claims of default as of XX/XX/XXXX made in Docket No. : XXXX, a true copy of the latter is attached hereto as Exhibit B ; said claims falsely imply that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and said claims deceptively conceal approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX with approximately $ XXXX being cashed by PHH 's predecessor, true copies of which are enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX   XXXX '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Lastly, XXXX and PHH are withholding and not providing me with a monthly statement for my mortgage loan for the payment due as of XX/XX/XXXX. 
In closing, the conduct set forth above constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the XXXX XXXX XXXX on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the below items and the credit bureaus failed to invesigate and failed to send me the investigation result within the XXXX period prescribed by 15 U.S. Code 1681i and failed to obtain verification pursuant to 15 U.S. Code 1681s2 XXXX XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from EQUIFAX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an online account with Quicken Loans / Rocket Mortgage. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with Quicken Loans and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by Quicken Loans twice explicitly without my consent.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX Account number : XXXX I am writing to formally request the removal of an account that was sold from the original creditor to a new creditor from my credit report. The account in question is detailed below : Original Creditor : XXXX XXXX XXXX New Creditor : XXXX XXXX Date Opened : XX/XX/year> XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically, under Section 623 of the FCRA, the original creditor is responsible for the accuracy of the information reported to the credit bureaus. Once an account is sold, the original creditor is no longer responsible for updating or maintaining the information regarding the account. Consequently, the reporting of this account by the original creditor is inaccurate and should be removed.

Furthermore, if a creditor sold my collections or charge-off information without my knowledge or consent, I have the right to dispute this under the FCRA. Refer to Section 623 for the responsibilities of information furnishers and Section 611 for the dispute procedure. These sections ensure the accuracy of my credit report and my right to challenge inaccuracies. Please investigate and verify the accuracy of this information.

Additionally, the new creditor is required to verify the accuracy of any information they report. I have requested an investigation for them to send verified documented information reported by both original creditor and new creditor. Please conduct a thorough review and provide resolution within the 30-day period mandated by the FCRA.

Enclosed, you will find copies supporting documentation, including a letter from the original creditor stating the closure and charge-off of the account and transfer of the account, proving that the account was sold to a new creditor. Please update my credit report accordingly to reflect this change and remove any inaccuracies.

I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the incorrect information. Should you require any additional information, please contact me at the phone number or email address provided above. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, unauthorized transactions occurred in my Coinbase account involving the transfer of XXXX XXXX and XXXX XXXX  without my consent. As a Coinbase XXXX  member, my membership explicitly includes insurance coverage for unauthorized account activity, yet I have not received clarity or resolution on this matter. 

I immediately reported the issue to Coinbase support and filed a police report, which I submitted on XX/XX/XXXX. Coinbase assured me that their investigation would be completed within XXXX business days, but I have yet to receive any meaningful updates or resolution. Despite following all instructions provided by Coinbaseresetting my password, enabling additional security measures, and reporting suspicious activitymy account remains locked, and the investigation appears to be delayed without explanation. 

I also received a fraudulent phone call from someone impersonating Coinbase support, which I promptly reported to the company. Despite this, I have not seen adequate communication or action to recover my stolen funds or secure my account. 

This delay has caused significant financial and emotional distress. As a Coinbase XXXX  member, I expect the promised insurance benefits and priority support to be applied to resolve this matter swiftly. I am seeking immediate recovery of my funds and assurance that my account is secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items immediately : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/ XXXX - XXXX XXXX  Inquired on XX/XX/ XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 its reporting a charge off/collections when the lease was paid off to XXXX
Product: Credit card

I applied for PayPal credit card as well as the Pay in 4 feature that is offered with PayPal checkout. I was denied credit after extending my own credit to PayPal. I have sent a notice of dispute for denial. I have chatted with customer service numerous of times with understanding that they have violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax participates in willful, ongoing and repeated failure to provide any real response to inquiries, disputes and requests for information. I exceed the identification requirements each time I submit a request, yet they continually send responses that request identification, despite that information being provided already. The law requires their timely response. Their responses are as ambiguous as possible, not referencing which dispute they are responding to, and basically sending a form response that means absolutely nothing and provides no useful information or feedback on any given dispute. From this point forward, all disputes will be cc 'd to the Attorney General 's office and legal counsel for review. How many complaints like this will it take for CFPB to correct the issues, instead of just counting on the companies to comply with law? Clearly the companies are not interested and don't care about compliance, so consumers submit complaints to CFPB, thinking it will make a difference, but yet the companies continue with their non-compliance, without consequence. How long do consumers need to put up with this level of abuse of power? These companies hold an enormous amount of power of consumers and can and do affect livelihoods, and they need to be held accountable.
Product: Student loan

FedLoan has been denying my XX/XX/XXXX certification, citing issues that simply are not true. They have returned my most recent form for missing information which is clearly visible, and refuse to practice the most basic customer service in regards to follow-ups with issues. Everything simply gets kicked back to me because they do not feel like processing my certification.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. I never gave my consent.
Product: Mortgage

Ask them to send payment quote and they say {$60000.00} was due on home. This look like a balloon payment that we don't know where it came from. We missed 6 payment so the Government paid this amount {$24000.00}. Don't know why it is so high. I don't know where the {$34000.00} came from. We have been in this house since XX/XX/XXXX and only missed those payment when unemployed. We don't know what to do about this, I t is due XX/XX/XXXX.