23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received emails and text messages from FBCS, not even sure who they are. They have also been calling my boyfriend 's cell phone and I had to block their number. I believe that this is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am hoping for a quick update or correction regarding this matter. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am enrolled in the SAVE program and an auto-pay plan that prevents my interest from being capitalized and reduces my interest rate. My student loan provider is MOHELA. MOHELA recently transitioned to a new website. During the transition my loans were put into administrative forbearance for about 1 month, maybe 2. During the administrative forbearance, my interest was capitalized and at a higher interest rate than it should be. Essentially, I was unable to pay my loan because of the administrative forbearance, and I was charged extra money because no payment was made and they did not abide by the SAVE program payment requirements or the auto-pay interest rate that I agreed to. When I logged into the new website, there is not information about my previous payments over the past year, no information about the PSLF payment plan that I am enrolled in, no information about the SAVE program, and no information about why my interest rate was increased and how to return to the lower interest rate. I have had no contact with MOHELA besides emails informing me of the administrative forbearance, so there has been no communication about why my loan terms changed and my interest was capitalized, or how they plan to remedy the situation.
Product: Credit card or prepaid card

Someone tried opening a Kohl 's card that was not me. I was send an application form that was never submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to remove a debt that is past the statute of limits. They briefly removed it then quickly put it back on. I filed a complaint via mail with evidence from the collection company themselves and equifax just responded they were satisfied with the inquiry and the information was staying on, even though the collection company 's own documents are saying it's past statue.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 
XXXX XXXX : XXXX : {$12000.00} XXXX XXXX : XXXX : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 My wife and I were looking into getting approved for a mortgage XXXX XXXX XXXX XXXX. A licensed Mortgage Professional XXXX XXXX XXXX XXXX was trying to assist us. XXXX XXXX then pulled a credit check through a system called XXXX XXXX XXXX XXXX it is one of the system in place in order to secure a mortgage. Only when doing so the only bureau score that came up was XXXX  with a XXXX score. At the end of the credit report gives information as to why Equifax and XXXX could not supply a score and reads like this : FICO SCORE NOT AVAILABLE SUBJECT DECEASED, EQUIFAX. 
XXXX  : FILE NOT SCORED BECAUSE SUBJECT IS DECEASED. I have tried to call the credit bureau 's to no avail, one guy tells me one thing another tells me another thing. I called over and over again and again to get this resolved and nothing. I hired an attorney to look into the matter and he is just as lost. Please can some one help me. I was going to be approve for a forever home for my wife and children this has caused me stressed and pain I still don't have a answer investigation stated that it was going to remain on my credit. I am well and alive I do not know what to do. This is extremely painful. Oh I forgot I received yet again another card from EQUIFAX that there were going to advised the other credit bureau 's that I am deceased. What the XXXX is going on!!! Please help me I want to get my family a home. 
My name is XXXX XXXX XXXX XXXX email : XXXX Please give this the utmost urgency I have evidence to support my claim. The credit bureau 's ruined my life. Please assist me. 
Thank you XXXX XXXX
Product: Money transfers

I sent a MoneyGram to my son. When he tried to collect the money they said they needed more info. I called the number, was on hold over 30 min. and was disconnected. Called again, on hold another 30 min. 
Why does it take so long just to give them info they already have? My son is needing this money now! Called third time and got disconnected again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX/XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5.

I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of XXXX XXXX XXXX ( XXXX ), which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Checking or savings account

Date of fraudulent activity opening accounts in my name without my consent having fraudulent checks deposited into these accounts dated XX/XX/22 including savings account and checking accounts loans and mortgages using the Federal Benefits from United States Treasury Department for XXXX and impersonating me for XXXX Benefits including accessing my personal information through communication devices. XXXX XXXX or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Subject : XXXX XXXX Synchrony Bank and XXXX XXXX Regarding Defective XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank and XXXX XXXX & XXXX regarding a defective KitchenAid French Door refrigerator, which I purchased on XX/XX/XXXX, using a Synchrony Bank credit account. The refrigerator was delivered on XX/XX/XXXX, and I have been experiencing several functional and safety issues since day XXXX. Despite multiple attempts to resolve the matter, the issues remain unresolved. 

Details of the Complaint Product Issues : The top shelf of the refrigerator freezes liquids and damages soda cans. 
The bottom deli drawer can not close fully despite adjusting the fridge. 
The shelves have sharp edges, causing injury during adjustment. 
Increasing the fridge temperature to prevent freezing causes spoilage of produce and deli items. 
Attempts to Resolve the Issue : XX/XX/XXXX : Contacted XXXX XXXX to report the issues and requested a return or replacement. Salesperson " XXXX '' referred me to a manager and scheduled a tech repair. XXXX assured me the fridge would be replaced if it couldnt be repaired. 
XX/XX/XXXX : A second tech visit was arranged by corporate, but the technician was unable to resolve the issues and had to consult the manufacturer. The problems with the deli drawer and freezing liquids persist. 
XX/XX/XXXX : Another technician attempted repairs but failed to fix the refrigerator. 
Impact I paid over {$3000.00} for this refrigerator and have endured significant inconvenience and safety concerns : Reduced storage capacity due to the unusable space. 
Safety hazards from sharp edges on the shelves. 
Food spoilage and inability to trust the refrigerator to store perishable items. 
Desired Resolution I am requesting a full refund or a replacement refrigerator that functions as intended. I have exhausted all reasonable efforts to resolve this matter directly with XXXX XXXX and Synchrony Bank, but they have failed to address the issue adequately. 

Please let me know if further documentation or information is required. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. Equifax and XXXX removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.
Product: Debt collection

This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Credit card with citibank was issued without my application. Kept card. Have had multiple issues with unauthorized transactions since getting the card. card replaced multiple times. Credit card with citibank has had multiple instances of fraud on the account. I can longer access the account online. An XXXX call center staff member, whom I was directed to contact, could not access my account. Almost all of the activity on the card is fraudulent and I want the account closed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( 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 crime which antedates the report by more than seven years. agency can not furnish a account without my written instructions.

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

Diversified Adjustment Service , Inc. is attempting to collect on a debt that I owe with XXXX XXXX. I mailed a letter directly to XXXX XXXX on XXXX/XXXX/2016 asking if I can settle the debt and have the trade line removed from my credit report. Diversified Adjustment Service, Inc mailed a letter asking for a 50 percent settlement. I want to know if I settle the debt could XXXX and the Collection Agency remove the trade line from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft. All XXXX being investigated by the XXXX. According to XXXX  XXXX, This information must be blocked immediately until the investigation over.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX, around XXXX MST, I went to my Chime app to make a mobile check deposit in the amount of {$200.00}. The check was from my Georgia state tax refund for tax year XXXX. When I opened the mobile deposit screen in the Chime app, I entered the amount of the check ( exactly XXXX ) and the app said my funds would be available today ( XX/XX/XXXX ) by XXXX XXXX  XXXX. I agreed with this time frame, so I took pictures of the front and back of the check as required in the app and submitted the deposit. A few minutes after completing the deposit, I got an email stating that the " updated '' deposit availability would be by end of day XX/XX/XXXX, a full week later. I did not agree to these after the fact changed terms, so i called Chime and asked them to cancel the deposit. The Chime employee on the phone said they could not do that. I said I can't wait a week for the money. The Chime employee suggested that I go cash the check somewhere else, and when the money becomes available in my Chime account, she recommended not to spend it. If I cash a check after depositing it elsewhere, and the money they clears Chime before the other bank ( one that gave me cash on the spot ) that would be a crime in Arizona. Not only did Chime bait and switch me, they then suggested I potentially commit check fraud as a resolution. It is unreal how dishonest this company is.
Product: Money transfer, virtual currency, or money service

I opened a PayPal digital credit card account. All was fine until I received a notice that my account had been closed. I made several account payments which were documented in the system. 

I called my bank as instructed by a PayPal representative because they were stating that it was my bank and not their system. I did and my bank conducted a series of test and came to the conclusion that it was definitely PayPals system. I spoke to several PayPal representatives and explained the issue. My XX/XX/XXXX account checking account could not be attached to PayPals wallet. 

Without notice from PayPal my account was closed! There reasoning for closing I never received any prior notice. Also, I noticed I was receiving notices that payments were received from PayPal. They are claiming they never sent those notices!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted XXXX improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.

Please delete and block the following accounts including those on my police report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, at roughly XXXX pm, I tried to deposit through an ATM at the XXXX XXXX XXXX XXXX branch. The machine took my bill of {$1800.00}, and the screen showed something went wrong. Nothing was deposited to my accounthorrible service.
Product: Credit reporting or other personal consumer reports

Recently disputed several accounts, addresses, and requests old accounts being removed from my credit report that are more than 7 years old but request being declined
Product: Mortgage

I have been harassed, threatened and charged fraudulent fees by a company ( OCWEN Mortgage ) that I do n't even have a mortgage with currently they are demanding that I pay them for insurance they supposedly purchased because I refused to make them loss payee on my homeowners policy. This all stems from this company acquiring my personal data from a paid off mortgage ( HELOC ) that I had previously with XXXX Bank. XXXX sold my mortgage when they went out of business to XXXX XXXX. I did n't want to do buisness with XXXX so I paid ( overpaid actually ) off XXXX XXXX Apparently, XXXX was in the process of selling off HELOCS to OCWEN and that is how they got my info. They assumed a credit balance of {$75.00} which was an over payment to XXXX Before I ever heard from them at all I began receiving robo calls from them demanding that I immediately remit " Zero dollars and zero cents '' immediately. That went on for weeks until I found the CEO of OCWEN MORTGAGE 's home phone number and began calling him. I have contacted them repeatedly for the first year and told them that I did not have an account with them and never would do business with them for any reason. I also demanded that they refund the credit balance that I overpaid to XXXX XXXX. The next year they began threatening to " purchase insurance to protect my loan '' ( which did n't exist ) and that it would " cost more than if I purchased it myself ''. By then I had stopped even opening the XXXX or XXXX documents then sent me every month for the past 3+ years. The lien on my deed has never been removed even though there is no balance remaining from the paid off, always pays as agreed status of that loan. This company is nothing but a criminal enterprise. At a minimum I want the deed to my property cleared. Jail time for the criminals that run that scam would be nice, and I would cooperate in anyway I can but that would be a bonus.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

Did not realize I had to make payments every 2 weeks. I get paid every month just once and was asked how often I got paid when I opened the loan.