23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I opened three dispute wit Experian. One account was a credit card I never applied for that had a {$89.00} with XXXX XXXX. I explained this to Experian Dispute Department alone with the fact that I can't get intouch with anybody from this company. 
The next account was to update a pass due balance that still showed I owed {$380.00} when I paid off the full balance and verified it with the company that they received my payment. 
The last account was for a company I never used and dispute that I didnt know this company. 
Two days letter I checked my credit report with experian and they closed all my dispute and nothing was changed. I have these same dispute open with XXXX  and XXXX  and the Dispute are still open. Experian DID NOT CONTACT OR WAIT FOR A RESPONSE FROM THE COMPANIES. THEY closed my dispute without notifying the companies. Nor did I receive any letter, email about why the dispute was closed because they don't want to do there job.
Product: Credit card or prepaid card

There was a charge for $ XXXX on my bank of America card, that I did not make or authorize that a person living here did and she transferred the money with them into a joint account and then drained the money, all behind my back and there is a police report XXXX filled with the XXXX police XXXX CT XXXX, with a XXXX XXXX XXXX I have been trying to chase her down In count but for over a year she is able to keep switching Public defenders so nothing has got resoled in this and I keep getting her Bill
Product: Mortgage

During the pandemic ( XXXX ) I was forced to put my mortgage in Defferment Status. I did not lose my job, however my XXXX XXXX that has XXXX did, and he and his XXXX XXXX had to move in. My wife is also XXXX due to a XXXX XXXX. 

I had a deferred amount of $ XXXX. When I was able to make payments again ( {$700.00} ), I was told that the only option I had was to refinance the mortgage. I had a 30-year mortgage I opened in XXXX with a mortgage rate of 3.75 %. 

The mortgage got refinanced for 40-years at 7 %, now with a payment of {$1100.00}. 

How does that help? {$5000.00} in arrears deserves a refinance mortgae with double the interest? I was not given the opportunity to make payments on the arrears or a balloon at the end of the term. 

I do not feel that I was given a fare shake on my situation. I needed to help my son, who is now back to work. 

I am willing to make the arrears in some form, but the only option I was given seems a bit extreme. 

Thank you XXXX XXXX XXXX XXXX
Product: Debt collection

I Sent Bridgecrest a letter Of Validation On A Account They Trying To Collect On Over 30 days Ago ... .Bridgecrest respond to the letter With A COPY OF A CONTRACT which Is Not What I asked..I Was Asking Them How Did They Come Up With The Extra Money They Trying To Collect From Me .... ( I Will Enclose A copy Of The Sample Letter I Type Out ) ... .They Didnt Do Anything I asked Of Them INCLUDING DO NOT CONTACT ME BY PHONE ... I Asked Them To Contact Me Through Mail ... They Cant Prove To Me Where This Money Coming From, This Car Is PAID IN FULL, I Begging Them For Proof Of This Money They Saying I OWE ... They Reporting Two different Totals {$3.00}. & XXXX. On Different Credit Bureaus ... But wont send me anything saying How This Possible..They Violated By Calling Me Repeatedly When They Were Asked NOT TO CONTACT ME BY PHONE
Product: Debt collection

On XX/XX/XXXX, I received services at XXXX XXXX XXXX in XXXX, Ohio. After receiving this services, I was charged {$850.00} which I paid in full on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Heartland Resolution Group saying I owed an additional {$420.00} as a result of this hospital visit. Heartland Resolution Group explained in the email that they were a debt collector trying to collect a debt that I owed to XXXX XXXX XXXX XXXX. When I called XXXX, they had no record of my account but said that's common when an account is sent to collection. I then called XXXX XXXX to ask if this sounded like an accurate charge, and they said they would send me an itemized receipt, but in the meantime said that it was POSSIBLE this was an accurate charge as hospital/facility charges and physician charges often come up as separate charges. 

I contacted Heartland Resolution Group directly to ask about the nature of the charges, and they had no details but offered to reduce my charge to {$100.00} if I paid before XX/XX/XXXX. XXXX XXXX was not able to mail me the itemized receipt before this date, so I felt I had no choice but to pay the {$100.00} to avoid paying more later. 

On XX/XX/XXXX, I received ANOTHER charge from Heartland Resolution Group saying I owed the rest of the {$420.00} debt, amounting to {$310.00}. 

Then on XX/XX/XXXX, I finally received the full itemized receipt from XXXX XXXX, and there was absolutely NO record of this {$420.00} charge. 

On XX/XX/XXXX, I called Heartland Resolution Group again to ask what was going on and they said that my account had been sent " somewhere else, '' but they had absolutely no record of where my account went. The representative I spoke to said " I guess that might mean your case is closed, but I don't really know. '' I then asked him if he had record of the {$100.00} I paid, and he said no. I told him I had record of the receipt in my email, and he told me to hold on to that, and that I could go ahead and ignore the {$310.00} charge and " all further communications '' from Heartland Resolution Group.
Product: Credit reporting or other personal consumer reports

A bankruptcy is on my credit report. The U.S. Bankruptcy Court does not reoport to any credit agencies.
Product: Mortgage

XX/XX/XXXX We were working on modifying our forbearance, due to the XXXX pandemic. Our loan was sold to Selene Finance, they were amazing at first. Very understanding, and willing to help. We filled out the application online and waited. 
XX/XX/XXXX we were sent a packet, stating a modification, raising our interest rate and taking the loan our for 480 months. We were not excited about this rate hike, but the payment would be close to the same, we were under the impression were going to do a partial claim and the lump sum would be added to the end of the loan, and we would keep our rate. Again, we were told to fill out the application, they had dropped the ball on our timeline, their fault, but they would work on it, and we would modify soon. 
We have received a foreclosure notice but are reassured our home is not in foreclosure. 
We have been told this and that is missing, they won't accept this, this is what needs to happen, etc. Again, stalling the process so we are further behind. 
XXXX has sent an inspector to our property, and the inspector not only once but twice has spoken to a third party who is not on the loan, about our loan. When I brought it to the attention of customer service, I was told the inspector for XXXX could speak to whomever they pleased about our loan. NOT TRUE! 
XX/XX/XXXX we finally received another modification letter. The letter I received, was missing pages and very vague. We needed to respond within XXXX days of receiving this letter. When I contacted customer service, they emailed me an entirely different set of papers. We are approved but the rate jumped to 7 % for 30 years and the payment is now over {$500.00} a month more. this is not in our best interest. The dates and amounts do not match, nor do they add up. They want us to make the first XXXX payments to an account that will be put into a suspense account. With XXXX being the first month of the modification. We can only pay with certified funds. From what I understand, from complaints on their website, they won't post your payments. 
I am in the process of working with my states HAF program to help, they said this is not what is supposed to happen. There are government programs to help do what's in the best interest for borrowers, because of the pandemic, and I feel XXXX is dragging their feet, so our loan becomes more delinquent, and they can take our home.
Product: Credit card

Care Credit card has been closed for years and they continue to report inaccurate amounts.
Product: Vehicle loan or lease

credit acceptance company has reported me for 68 late payments that were never late. no one will fix this mess. i want it gone i am so fed up.. it is a violation of 15 us code 1681i ( 5 ) removal of inaccurate / invalidated credit information. This is the worst company on the planet and already are in the midst of several lawsuits
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a purchase of 5 pairs of high heels from a XXXX based company using Paypal for {$330.00} The company had a return policy of 30 days from date of receipt and they would provide a return label. See the policy here : XXXX XXXX XXXX On XX/XX/XXXX I received the heels and had a professionally trained ballerina try one shoe on and they were so defective she could not stand. The balls were not flat, the construction was not stable, the shoes were completely unuseable without significant risk of injury. 
In accordance with the return policy I emailed the company, they ignored me. 
I emailed again and was ignored. 
I emailed a third time and was ignored. 
I opened a case with Paypal. 
Paypal allowed the seller to violate its own published return policy and require that I pay between $ XXXX USD to ship the shoes back. 
I reviewed Paypal 's buyer protection program and its acceptable use policy. 
Paypal was allowing the seller to abuse their platform to force a dispute instead of honoring its published return policy so that it would not have to pay the return shipping. 
I explained this to Paypal and they said they refused to investigate the seller or file a complaint regarding the concerning abuse of the paypal money system to scam, mislead, falsely advertise and profit illegally from a US Customer. 
Paypal is required to abide by its user policies. Paypal is required to enforce its policies to prevent adverse impact on consumers. 
Paypal is facilitating illegal transactions by permitting XXXX sellers to violate its own terms of service and acceptable use policy. 
While I don't expect Paypal to resolve this matter, I do hope this complaint will spark an investigation into the potential illegal practices and complicity with illegal sales practices of its sellers. 
Paypal is profiting from my loss and profiting from the illegal use of its system by XXXX sellers and potentially other non us sellers that abuse its system to force exorbitant return shipping fees onto the shoulders of buyers. 
I purchased from this company after reading their return policy and feeling comfortable that I would not be responsible for return shipping to XXXX. Paypal is required to investigate sellers who abuse their system. 
Paypal also advertises buyer protection but clearly, Paypal is not following that policy either.
Product: Credit reporting or other personal consumer reports

According to CFPB report from my previous complaint, the XXXX is not reporting on Equifax but when I refresh my credit report, it is still showing on my report. This is clearly a violation of federal law! 

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

DELETE this immediately!
Product: Debt collection

Barclays Bank is beyond the worst bank there is. They threatened to charge off my account on XX/XX/XXXX to a collection agency when I offered to pay the minimum of {$40.00} on XX/XX/XXXX. They absolutely refuse to cooperate and all they want is money and is to rip me off!
Product: Payday loan, title loan, or personal loan

I contacted XXXX XXXX on XX/XX/XXXX to inform them of my unemployment status and that I will not be able to repay the loan which I took out in XXXX of 2018. They still proceeded to charge daily interest and send me emails, threatening letters in the mail and also call me at random times during the day. I sent them a letter notice that I am still unemployed in XXXX as well XXXX and they will not stop the harassment. I even reached out to a free legal aide service and was told they could not help me
Product: Checking or savings account

I, XXXX XXXX wrote a check ( check XXXX dated XXXX in the amount of {$680.00} payable to XXXX XXXX XXXX XXXX ) as the XX/XX/2022 maintenance payment to the cooperative unit where I lived. The check was mailed via the post office to the cooperative 's property manager : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The check was altered en route to have a certain XXXX XXXX  XXXX as the payee for {$7600.00}. I informed JP Morgan Chase that I did not write that check to that payee for that amount. The checking account was closed and a new one was opened. I was given a form to fill ( " Declaration of Unauthorized Endorsement or Altered Item '' ) which I submitted on XXXX. I also filed a complaint with the post office and police precinct on XXXX and was provided a police report on XXXX. I have requested the property manager to attest to the XXXX payment that was missed and that it had not authorized the window installation work reflected in the fraudulent check. I ended up cutting a new check for the original amount of {$680.00} that I owed the cooperative. I submitted all of these documents ( copy attached ) to the bank and was informed to wait 60 days for this matter to be investigated and resolved.
Product: Mortgage

My wife and I engaged with Mutual of Omaha Mortgage for a mortgage on XX/XX/2021. Our loan officer advised us that we were good for a XX/XX/XXXX closing date. We sold our house on XX/XX/XXXX and rented it until XX/XX/XXXX, leaving a buffer for our move. We are A+ buyers putting 36 % down on the house we were trying to buy. Our credit is very close to XXXX. On XX/XX/XXXX, my loan officer asked for {$150.00} to expedite the appraisal process. All of the requirements on our end were met and we had a conditional approval from Mutual of Omaha Mortgage by XX/XX/XXXX, just pending and appraisal from Mutual of Omaha. 3 distinct occasions the company missed our closing dates costing us over {$16000.00} in rent, lodging, and various other expenses. I spoke to the CEO and the COO. They eventually deferred me to their legal department and stopped responding to me, claiming that I was demanding money, which I never did. The SVP of legal wouldn't answer any of my questions and Mutual of Omaha Mortgage eventually fired my loan officer without providing me any updates or information about my loan status or letting me know he was gone. On XX/XX/XXXX I enlisted the services of another mortgage company that closed our loan on XX/XX/XXXX. On XX/XX/XXXX an appraiser showed up at my house on behalf of Mutual of Omaha. Mutual of Omaha Mortgage never sent any communication to inform me that an appraiser was coming to my house. I still didn't have a final closing date from Mutual of Omaha Mortgage on XX/XX/XXXX when I closed the loan with the second bank. I itemized the losses I suffered ( ~ {$16000.00} ) and submitted them to the CEO, COO and SVP of legal asking them to reimburse me on XX/XX/XXXX. They responded after a week saying that they would only reimburse me {$490.00} for the appraisal fee and that they never charged me for an expedited appraisal fee. Below is the itemized list of expenses caused by Mutual of Omaha Mortgage 's inability to meet the closing dates that they advised me to set : Costs from missing XX/XX/XXXX closing date : {$1500.00} for our movers to store our stuff {$850.00} for hotels until we could start renting HOUSE # 1 {$1000.00} to board our dogs until we could start renting HOSE # 1 {$2400.00} for rent at HOUSE # 1 from XX/XX/XXXX - XX/XX/XXXX {$400.00} Attorney fees {$5200.00} earnest money from HOUSE # 1 {$1000.00} for movers from HOUSE # 1 to HOUSE # 2 {$220.00} for boarding dogs during second move {$420.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs incurred from missing XX/XX/XXXX closing date {$2100.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs incurred from missing XX/XX/XXXX closing date {$750.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs charged by Mutual of Omaha Mortgage for a mortgage they were unable to deliver : {$150.00} expedited charge for appraisal {$490.00} appraisal fee
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Report for XXXX XXXX XXXX here are my consider : XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX please remove from my credit report fraudulent information. address XXXX XXXX XXXX XXXX IL XXXX Pleases remove from my credit report. I contact the credit bureau and this address was not removing. Remove XXXX XXXX XXXX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Business address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid off {$77000.00} XX/XX/XXXX this account on my credit report didn't get the correct point, which was fraudulent, it was like I was penalizes for pay off early. 
XXXX. XXXX XXXX put on my credit report this account was late I pay off XX/XX/XXXX {$29000.00} the Loan before it was due to expire which was a 6-year loan open XXXX expired closed on XX/XX/XXXX so the information that was given to you it was fraudulent. so why this stays on my credit it affects my credit. I had two accounts with XXXX XXXX pay off {$28000.00}. open in XXXX XXXX I closed the account XXXX XXXX pay off in full. XXXX XXXX was opened XXXX XXXX, Closed XXXX XXXX This account was paid on time, and I paid off. why they closed the account didn't make sense unfair founding because of my XXXX  loan but paid off. 
XXXX XXXX XXXX This account was not mine fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this should concerned Ive been in contact with Equifax for a little of a year now with no resolve of them correcting incorrect information that are reporting on my credit report. Theres short response is always the same this information is accurate and has been verify by their company. Seeing that we are aware that this is just automated response I completely understand why they keep sending the same response. Thats not my issue my issue is that this information does not belong to me should not be on my report. Now it is Equifax duty legally to help me with my own investigation by providing the information and the actually people involved in verifying this incorrect information which they continue to ignore my request. 
Equifax is in violation of so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A- congressional findings and statements of purpose, & 15 U.S. Code section 1681B-Permissible purpose of consumer reports & 15 U.S. Code section 168E. I respectfully request to be providing proof of this alleged items, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please. 

My credit is very important to me. If your agency continues to list these inaccurate items on my credit report. I will find necessary to sue you for actual damages and declaratory relief under the FAIR CREDIT REPORTING ACT & FDCPA. 

The accounts involved in this matter are listed as followed : DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX Im at this point begging for this matter to be handle sooner than later I've been deny housing and job opprotunites because this incorrect information.
Product: Credit card

Paid my account in full on the internet -wording said to pay in Full -- -paid in Full but when I received my statement there was a charge of XXXX
Product: Checking or savings account

My taxes were deposited and available to my account per text message. On XX/XX/2023 I transferred money from a checking to a savings account that same day. The next day and the following days more transfers and some payments made to cash app. Majority of my transactions were transfers from my savings to my checking account with the biggest paymentbto vash app being {$1200.00} when I woke up on the XXXX of XXXX My my account was negative {$1200.00} when I called the bank They advised me that my account was negative on the XXXX in the amount of {$5500.00} because of a transfer from my checkingbto my savinging she said the funds were available but not posted at the time I transferred. My account went negative based on transfers from my savings to my checking or from my checking to my savings. However I know like with right now if my account is negative it's not gon na allow me to continue transferring money from one account to the other when I talk to the representative at Wells Fargo she advised me that my account was negative because of the way Wells Fargo processes the transfers and deposits. She told me that my account was negative over {$5000.00} after a {$4500.00} transfer and then I got a deposit of {$6600.00} which doesn't make any sense because I got a text message from them when the {$6600.00} deposit was made also I didn't have XXXX to transfer before I got that text. This is fraud there is no way that I should owe {$1200.00} based off of transfers. That I made from XXXX account to another when the backs will not allow you to transfer money from XXXX account to the other that is not available. I watched the money I transfered be removed from the balance as I make the transactions so I'm unsure how this money is owed when the money i spend shows u avaliable the moment I spend it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Missed payments due to COVID-19 would like to request a Goodwill Letter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX  XXXX  XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX   XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX Credit Card and XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried signing up multiple tes for my stimulus pandemic relief fund im Renewable rescourse through water wind and need some assistance to complete getting a secure phone and data plan XXXXXXXX XXXX  XXXX XXXX