23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Apparently Synchrony Bank is now handling Paypal Credit, a company whose services I have used without a problem for years until recently. They seem to think I joined this year, when in fact I've used Paypal Credit for a number of years now. 
When I try to pay the bill for the account and go to the Paypal Credit website, strangely I can not find any account information, like how much I owe or when it is due much less how to pay at all! There is simply no link, though they claim by going to " wallet '' that I can do just that. I find nothing useful at all. I have used credit cards and paid bills for decades and this is the very worst I have ever seen. 
I have looked and searched and found no useful information and can not imagine why a company like this would create such a useless website with no provision to pay a bill. Of course when I try to call, the automatic recording informs me that " wait times may be longer than usual due to greater than usual call volumes ''. Perhaps they need to hire someone to answer the phone. This is not my problem and I have lost any patience I ever had with a bank that essentially is dysfunctional to the max! 
In good faith I have tried countless times, I have called and spoken to someone who told me to do what I just described, which does not work. Beyond that, just how intuitive is a link saying " wallet '' in terms of " pay your bill '' Does not work for me and even if I try, it still does not work because there is no provision for providing me an amount due, a due date or any other provisions normally found on a credit card statement.

Furthermore, for all my good will ( which is now expired ) attempts to deal with this of course there are, as far as they're concerned, going to be late fees, which I refuse to be responsible for due to their negligence in providing an appropriate means to pay the damned bill.
Product: Credit card or prepaid card

I called the CapitalOne " Quicksilver '' Credit Card help line to do just one thing : change my primary address ( I had recently moved ). Three different agents got on the line. None of them could change my address. They were incapable. They just passed me along - and none of them retained any of the information that I had just provided to the prior agent. In one case - the system transferred my call on its own, while I was on-hold with another agent, who was supposedly updating my address. All three asked me for all the same, repetitive security verification steps- one even sent me a code via text message - but none of them were able to execute a simple change of address. I spent a long, long time on the phone. Note : I had been on-line to add my new address by myself, and change it to my primary address - vis CapitalOne 's on-line system - but CapitalOne 's system kept sending the same error message to me - over and over ... that it " couldn't recognize my ( new ) address ''!!... the simple street address where I live, and where I now get all my mail and statements from several other credit card companies. Out of frustration, I told the agent to please " cancel my credit card and CapitalOne accounts ''.. They couldn't and wouldn't.. I went on-line to cancel all my CapitalOne accounts- and there was no way to do it there either. There was not even any way to reach someone at CaptialOne by eMail or messaging - after getting nowhere when speaking with several 'humans ' on the phone. I tried to make a complaint on CapitalOne 's system, but there was no way to do that either. 
Net : CapitalOne employees and their so-called Customer Support Center wasted all my time, they could not even make a simple address change, they did not Cancel my card or any accounts as requested,, and they had NO mechanism - on-line or via their systems - to accept or register a complaint, nor a mechanism for me, a Customer, to escalate a problem to more senior people or management within the CapitalOne organization. Very, very poor Customer Support and service. It was 'no service ' at all ... in-person or via their systems. Evidence of a poorly managed company, for certain.
Product: Debt collection

When the bill came through the hospital it was XXXX and I paid XXXX up front before XXXX on a XXXX deductible. They are trying to collect XXXX dollars and will not send an itemized statement after being asked to do so. 

Calls numerous times a day and on XXXX.
Product: Debt collection

I am writing to you in the strongest terms possible regarding the presence of a fraudulent account on my credit report. It has come to my attention that there is an account listed under my name that I have neither authorized nor had any association with. This is an egregious error on your part, and I demand its immediate removal from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX/XXXX and XXXX XXXX
Product: Checking or savings account

XX/XX/ I deposited a check for {$2500.00} into my Wells Fargo checking account XXXX received a bank message that check was returned and the funds were disappeared from the account. Message said frozen/block Spoke to Wells Fargo customer service and they said reason was the payor 's account was either frozen or the check was blocked. 

Spoke to payor - their account is with XXXX XXXX XXXXXXXX- and the payor checked with XXXX XXXX XXXXXXXX, and they said that the check does not even show up on their statements as if the check was never deposited. 

XXXX XXXX XXXXXXXX also said they had plenty of assets in account and there was no blocks placed of any kind. 

I am caught between now with both insufficent funds fees and with late charges and with bills accruing. Playing with people 's lives for their convenience, people like me are left helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reorting Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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  15 U.S.C. 1681 section 602 I have the right to privacy.

15 U.S.C 1681 section 604 Section 602 States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit alert shows that someone is using my social security number for fraud activity Also my credit score went down XXXX points Although my credit is frozen The credit bureaus couldnt protect my information even when my credit is frozen.
Product: Credit reporting or other personal consumer reports

Please check the documents that I've sent. There are unauthorized inquiries on my credit report.
Product: Mortgage

Freedom Mortgage Corporation changed the physical address for my property ( without my consent ) to an invalid address. This is now the FOURTH time Freedom Mortgage has erroneously changed our home physical ( situs ) address. This problem occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again in XX/XX/XXXX. The CORRECT address ( mailing and legal / physical ) is XXXX XXXX XXXX, XXXX XXXX CO XXXX. Freedom Mortgage has been provided a letter from the XXXX County CO address manager confirming the correct address and still refuses to take permanent corrective action ( s ). Most recently I've spoken with " XXXX '' ( employee XXXX ) at who was unable/ unwilling to make this correction. I'm going immediately to a CFPB complaint because through the past three incidents no one at Freedom Mortgage ever - EVER resolved this through phone calls and portal messaging. I want Freedom Mortgage to ( 1 ) FIX this problem and ( 2 ) explain to me what steps are being taken to ensure this will not happen again. I'm attaching a screen shot taken today ( XXXX XX/XX/XXXX ) showing the invalid address ( XXXX, CO XXXX ) from my account summary page.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Student loan

I have co-signed loans through Navient for attending XXXX XXXX XXXX. A family member co-signed. The University marketed the school as an institution with unique degrees and promoted a " XXXX '' influence for job placement. XXXX frame. 
I have graduated with a degree but no support with career placement. The fields are extremely competitive, and opportunities are few. Navient at no time offered an incomebased payment plan. Deferment and forbearance are their game. It is reprehensible that this entity of our government is allowed to continue these financial practices. There are as you are aware, substantial complaints and lawsuits with Navient. I am saddled with a debt that can never be paid off as the interest has accumulated. Please assist! Please intervene!
Product: Debt collection

I took out 4 student loans while attending the XXXX  XXXX XXXX between XXXX. These loans were originally service through XXXX XXXX XXXX. I took out 2 loans XX/XX/XXXX and XX/XX/XXXX in which I defaulted on both. As of XX/XX/XXXX those two loans were no longer serviced through XXXX and when then sent to Transworld system. I was contacted by Transworld system around this time regarding my loans and was told that they were a debt collection company who would be now collecting payments for my loans. They stated that my loans were through XXXX XXXX XXXX and that it was important that I paid to avoid being sued. They also stated that interest would still be collected on my loan even though they were in collections. I stated to them that if they are in collections then there shouldn't be any interest and I was told by the representative that even though the private loans are in collection they are still subject to collect interest. I said okay and agreed to a XXXX  monthly payment. When unable to make these payments I was threatened to be sued and taken to court. After looking at my loans carefully I see that my original lender was XXXX XXXX XXXX on my 2 loans that XXXX XXXX XXXX had. I realized that XXXX XXXX XXXX bought my loans from XXXX XXXX XXXX. I also see that XXXX XXXX XXXX has made headlines regarding falsifying documents and taking people to court with not the proper documentation. I also see that they have to pay back XXXX XXXX dollars and that they have to go through 800,000 student loan files and make sure that they have the proper documentation. I'm one of those students who would like to make sure that they have the correct documentation on me and that they were not collecting payments from me after the statute of limitations. Because I have been subject to their harassment of being sued and taken to court and this can be proven because when ever they would call in the representative would state that the call was being recorded. I would like proof that my loans originated from XXXX XXXX XXXX and were not bought. Because I have proof that they originated from XXXX XXXX XXXX. I also want proof that they collected debt from me within the statue of limitations for Michigan because at the time that is where I was living. I would also like proof from the pre-recorded calls that I was threatened to be sued for any nonpayments and breaking my agreement. I will also like to know why I'm now paying money to XXXX XXXX XXXX another debt collection company that has threatened to sue me once on behalf of XXXX XXXX XXXX. After seeing how XXXX XXXX XXXX has made headlines again I have now decided to seek legal counseling regarding what I have gone through with this company. I want what is right for me and I know that XXXX XXXX XXXX has violated many laws against me as well as others
Product: Mortgage

Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX Il XXXX This company took over our mortgage servicing in XXXX 2014 They were n't sending statements but we sent our monthly pmt ( principal and interest only on this loan ) We pay tax and insurance After a couple months they started taking a monthly escrow from our pmt making it look as tho we were not making a full pmt They also did not apply my pmts to our loan but held in what they call " unapplied funds '' I sent copies of my checks and tax and insurance receipts to their research dept ( with letters as well ) They closed that account and sent me a check with the money that was escrowed out ( that needed to be applied to our loan! ) I sent that back In XXXX oof their letters they were saying they were still waiting for XXXX 2014 pmt! They took over the loan in XXXX! They even sent us something saying that Then after a couple months they started the escrow thing again They send letters of defaullt constantly! XXXX were sent in XXXX this year XXXX was certified They charge MY account for their cert charge! Happened more than once! It is on our credit report as a delinquent loan We went to small claims court and was awarded {$12000.00} in damages They sent an attorney to represent Ocwen but he is not producing any action he promised to institute regarding bringing our account current I know this company is a disgrace to the industry We are distressed and need help We are never late or missed any pmts
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected :
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed an account that's isn't accurate. I have late payments on the account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments and I have attached a copy of my report to this complain on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). XXXX now requesting you to investigate and provide verifiable proof of records showing that I had late payments. if this information can not be verified I demand these payments to be updated to ( paid on time ) immediately. Thank you for your understanding & help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts below do not belong to me and they are bring my credit score down each month and Im in the process of rebuilding my credit after a Bankruptcy this account dont belong to XXXX XXXX XXXX account # XXXX Opened XXXX/XXXX & Balance {$2100.00} two account is mine and it has lates but I was never late, they are below XXXX  XXXX XXXX opened XX/XX/XXXX lates reported XX/XX/XXXX Not late lates reported XX/XX/XXXX Note late XXXX  XXXX # XXXX Opened XX/XX/XXXX balance {$630.00} Late reported XX/XX/XXXX Not Late
Product: Debt collection

The collection agency XXXX XXXX has contacted me regarding a debt. I spoke with XXXX XXXX, and made a monthly payment arrangement to pay the debt in full. He refused to administer the payments on the date I informed him was necessary. The date of the draft is specific because my husband is a XXXX XXXX veteran who is receiving Veteran 's Affairs XXXX Compensation,  this limits our budget severely. The payments would not go through until the first of the month and they continued to draft them on the last day of the month resulting in a missed payment. They were unwilling to negotiate a better solution. XXXX XXXX then threatened legal action to scare us into payment. There were multiple occasions that after the payment would fair on the last day of the month he would call my place of employment multiple times and notify them of my debt. Then recently on XX/XX/2019 he contacted my mother directly on a phone line that is unlisted to notify her of my debt and obligation to pay. He has been harassing and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card has reported an account to the credit bureaus that does not belong to me. There was an account opened using an address that does not belong to me in a different state. XXXX card reported this address to the credit bureau as my address and I have never lived in that State or at that address and they refuse to remove the disputed information from my credit file. The account has never been paid and the credit card was maxed out within 90 days of opening it. The address used to open the account is a hotel in a shady part of XXXX Georgia.
Product: Credit reporting or other personal consumer reports

I called TransUnion to get my credit report on XX/XX/2024. And after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b, I also attached my credit report and letter showing that TransUnion is in violation of the FCRA.
Product: Prepaid card

XXXX XXXX XXXX has yet to provide valid proof their accusations in regards to charges made on the account that were unpaid. I simply request that they provide a statement of the monthly of transaction. Logging each purchase made with the card on the account BEFORE LATE FEES AND CLOSING OF ACCOUNT ON XX/XX/year>. Its been countless times Ive filed complaints requesting this simple information and their willful negligence in providing the details, and marking them as duplicates clamoring theyve already gave me the information I requested. Ive made clear what Ive requested. Complaint after complaint and XXXX and Trans Union continues to allow them to not comply with my request. If you review what Im asking for vs what theyre providing, you will see the intentionalnegligence.This account it falsely reported with no evidence of legitimacy violating my rights as a consumer. I will be attaching their response to this complaint so it could be made clear what they provided vs what was requested is completely different. In their response they made accusations of charges made on the account that was unpaid when the account was closed in XX/XX/year>. They then go on in the letter outlining the monthly accumulation of fees without providing the charges made on the account from which the fees came from. This account should be eliminated completely because of the dishonest behavior or all parties involved XXXX XXXX XXXX and XXXX XXXX should no longer be allowed to report this account to any credit bureau without providing accurate transactions of purchases with company details, amounts, and locations.
Product: Credit reporting or other personal consumer reports

I applied for a business loan to expand my business. To my knowledge all the only account I had was a student loan account which was forgiven. Every time I go to take out a loan to build my credit I am denied. I was told by potential loan officers that the reasons for the denial are Derogatory information obtained from a credit report agency such as XXXX major credit bureaus ( XXXX. Experian and XXXX ). This kind of derogatory information are hindering my business mobility.
Product: Credit card or prepaid card

My American Express card was charged {$240.00} by XXXX XXXX and {$61.00} by XXXX XXXX XXXX. I was not aware of the {$61.00} charged by XXXX XXXX as I had advised them that I had not given XXXX XXXX XXXX permission to use my card. Also, I had called XXXX XXXX  over 10 times to cancel this vacation package. 
American Express refused to initiate these two disputes. Each representative would state a different policy. Also, I was not allowed to speak with a supervisor as all were in a meeting on a Monday at XXXX XXXX EST.