23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I purchased a large 3d printer using my Paypal account in XXXX of XXXX. I picked it up XX/XX/2024. It was faulty from the very first use. I attempted to keep it working, but it kept failing. Finally, late XXXX I asked for a refund on the item. The seller refused so I was forced to file a Paypal dispute. Paypal asked for a third party to evaluate the printer to determine if it was significantly not as described. I got three third parties to evaluate it and all said it was significantly not as described. Finally, on XX/XX/2024 Paypal told me the seller agreed to give a refund and I should send it back to the address the seller provided. The printer was in the same condition as when I received it. I sent it back, and submitted tracking information. The printer was delivered to the seller on XX/XX/XXXX. The seller then claimed I altered the printer so Paypal denied my claim. Now I am without the money and the faulty product and have to absorb a hefty shipping charge due to Paypal 's terrible action. They lied to me stating the seller agreed to give a refund.
Product: Money transfer, virtual currency, or money service

paypal has been holding on to {$500.00} for along time now about since XX/XX/XXXX2017 & one of the representatives on the phone said I could call back in 45 days which wasXX/XX/XXXX2017 I called them the next following day and they tell me a whole different story on why I ca n't withdraw my funds I gave them plenty of chances and sent plenty of emails saying I would file an complaint on their company but it seems they 're not taking me serious so this was the last option PayPal is the biggest scamming virtual bank there is
Product: Credit reporting or other personal consumer reports

XXXX XXXX that helps with lay away type loans. They keep telling me that I don't have any open accounts with them and won't accept my social security number to look up said accounts. Experian credit bureau says otherwise. When I filed the dispute, it took a couple of weeks for them to report back to me that the information was accurate. It is clearly NOT the case. XXXX  DOES NOT HAVE a fraud department. Neither company will tell me the full account number nor go into any detail as to how to rectify this problem.
Product: Debt collection

These debts were not discharged in XXXX, but were canceled via 1099c and written off as losses by the original creditors and by law per the IRS are now considered by personal Income. Both Pro-Collect and XXXX XXXX have created and furnished unauthorized and uninformed financial documents using my nonpublic personal information with out my knowledge or consent to extort a payment for debt that can not be collected because it is now legally my income. Both of these items are from apartment rental lease from my former employers. These companies know nothing about the details of these transactions and have never seen the lease agreements. If they had they wouldn't have been sharing my information because these are not even consumer credit transactions and they have no permissible purpose, no where in our agreements do I consent to a third party sharing my information with a fourth party, no where I was I presented with a privacy policy, and no where was the any option to opt out. Also, consent can not be purchased or transfered without all original parties signing off on a new agreement per UCC. Once again, there is no debt, this is Identity theft, and I revoke any implied consent any of these companies assume they have to share my information and demand that they stop furnishing it to other financial institutions immeddiatly.
Product: Mortgage

I bought my house in XX/XX/XXXX of last year ( XX/XX/XXXX). My mortgage company is Dovenmuele Mortgage ( IL  ). My homeowner 's insurance was up for renewal and I have an escrow which should be paying insurance and taxes. I received my regular notification from my insurance company advising me that they had billed my escrow. I received this on XX/XX/XXXX. On XX/XX/XXXX ( 9 days overdue ), I received a letter from Dovenmuele Mortgage stating, ''Our records show that your homeowners insurance has expired. We do not have evidence that you have obtained new coverage ... '' I contacted them the same day. They advised that they never received an invoice so they never paid it. I asked why they would send me a letter stating they WERE AWARE my policy expired, yet didnt reach out to my insurance company. They told me that they cant reach out to the company. I then asked why they didnt call me or try to reach me in a more timely manner. They said that they only pay the policy when they receive an invoice, and its not policy to investigate when they dont receive an invoice. 

So, they know that theres a problem, yet they refuse to reach out to anyone to fix it. They also told me that they service millions of mortgages and dont have time to ensure that everything is getting paid. I had to call my insurance company directly to facilitate a new invoice being rushed to Dovenmuele. I also requested once they wrote the check that it be overnighted. I called back the next week. They advised me that they had mailed the check but not overnighted it. My insurance company kept confirming for me that they had not received it. As of XX/XX/XXXX, the policy had still not been paid. They then made me wait an additional 5 days to research the check before they would cancel it, reissue another check and overnight it. 

I was forced to call my insurance company and pay my policy via a credit card. At the point I paid ( XX/XX/XXXX ), my policy had been in cancellation for 38 days ( in the middle of hurricane season ). I was told by my agent as well as people at my insurance company that I had no coverage until it was paid. They told me, Its a gray area. 

Now, all I want to do is close my escrow and handle my insurance and taxes myself. I just want to avoid this happening in the future, since my policy conveniently renews in the middle of hurricane season. Dovenmuele advised me that due to their policy, they cant close my escrow because I havent been with them for two years. They told me I can dispute it and request and exception but they told me it most likely wouldnt be possible. They gave me an email address for the research department. They told me that this department does not accept phone calls. I have reached out to this company numerous times in the past via email and never got a response. 

I would appreciate any help in this manner. Dovenmuele has been unresponsive and unwilling to help me with any of the problems or concerns I have had in the past and I dont expect different this time. 

Thanks, Sincerely, XXXX XXXX
Product: Mortgage

We had Quicken Loans as a mortgage lender from XX/XX/XXXX through XX/XX/XXXX. We refinanced at that time with XXXX as our new mortgage lender. We have had XXXX as our mortgage lender since. 

On XX/XX/XXXX, Quicken Loans contacted our home insurance provider ( XXXX ) and requested the below : 1 ) Change the name of the mortgage provider on our home insurance policy FROM XXXX TO Quicken Loans ( thus changing the mortgage e-clause ) 2 ) Change the payment preferences FROM us ( XXXX XXXX XXXX TO Quicken Loans. They indicated they will not be escrowing the funds from our monthly mortgage statement. ( Note : We have always paid our home insurance in full the minute we renew. Additionally, Quicken Loans is obviously not our current mortgage lender ... so they are not issuing any statements to us. ) 3 ) Quicken Loans requested our home insurance policy information ( which XXXX provided XXXX which included our active mortgage loan number with XXXX. 

I called on XX/XX/XXXX and spoke to XXXX. that works at XXXX. She provided the information of what was changed and indicated that XXXX is legally able to provide information to mortgage companies that have names and addresses of XXXX 's customers. 

I am very uncomfortable and feel violated and am not sure why Quicken Loans would call on a loan that is not active ( for well over a year ) to obtain my personal information ( including my active mortgage loan number ), change my payment preferences, and update my current mortgage information to their name?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  incorrectly reported a 30 day late payment on my credit card. I went to a XXXX  branch and the bank manager opened an investigation. I then received a letter from XXXX that the information was reported in error and they would update the information with XXXX, XXXX and Transunion. They never did.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to these companies. Their lack of due diligence has cause me great harm and financial burden. I am unable to obtain credit and necessities in life due to inaccurate reporting. I request this be deleted immediately.
Product: Debt collection

Actually, talked to me about someone else 's debt. By calling me trying to collect someone else 's debt, and then telling me their company name, they revealed to me that the person they named owes a debt.
Product: Credit reporting or other personal consumer reports

Experian was just sued for conducting sham investigations, yet they continue violating the FCRA and Metro 2 compliance standards by reporting false, unverifiable, and incomplete information on my credit report. Despite multiple certified dispute letters, they have failed to conduct a proper reinvestigation, verify the accuracy of disputed accounts, or remove illegal reporting. 

Experian is illegally re-aging a charge-off from XXXX XXXX XXXX XXXX XXXX  ), falsely reporting a bankruptcy with no linked accounts, and failing to correct inconsistent late payment histories on XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ). These accounts violate Metro 2 standards for accuracy, integrity, completeness, timeliness, and formatting.

Additionally, Experian is reporting unauthorized hard inquiries that lack a permissible purpose under FCRA 604 ( a ). If Experian can not provide signed documentation proving I authorized these inquiries, they must be permanently deleted.

Experians failure to comply with federal law is damaging my credit and restricting my access to financial opportunities. They must correct these violations immediately or face further action.
Product: Checking or savings account

The PNC Bank account was in fraud due to someone overtaking the account and cashing an check that I had no knowledge of. I have never been in the south area not sure how someone was able to get my account information in Ohio. I never had access the PNC bank account after the dispute happening on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation XXXX CREDIT/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.
Product: Credit reporting

Credit is too old .should be removed from my credit after 7-10 years and it has been past that
Product: Credit card

I was charged an annual membership fee of {$59.00} with Capital One XXXX  months ago on XX/XX/2023. I have had my card for years and am in excellent standing. I lost my job and can't afford this membership fee, I also won't be using the card to travel ( this is a travel card. ) I called and asked for the fee to be refunded on a pro-rated basis for the remaining portion unused and also to change my card type to a regular card that doesn't have a fee. I asked for the fee to be pro-rated for the unused months since it is an annual fee and I won't be using the privileges for the rest of the year. First, the representative tried to talk me into keeping this type of card which I can't afford. Then she transferred me to a supervisor who said she can't help me at all. I explained to her that it seems predatory to charge me a fee for services I won't be using and I '' m only asking for a portion of the fee to be refunded. She then refused to give me any more information about her supervisor or who else I could talk to once she told me there is nothing she can do for me after being a customer for XXXX  years and paying this fee. I'm going through a hardship and after a decade in good standing with Capitol One they are refusing to refund me for a fee that is charged for services I won't be using. In addition the supervisor said the system wouldn't allow her- she shouldn't be a supervisor if she isn't empowered to actually help customers. I told her that this seems predatory and unfair and I was writing to the CFPB and she basically said she doesn't care- making even more work for her company- over a {$59.00} fee. Her ID is XXXX XXXX XXXX. By the time this complaint is reviewed and the time it will take to remediate it, Capital One could have just given me, a good customer of over a decade, the fee back. This is deplorable that banks feel the need to squeeze customers at a time when we are going through a hardship. I am also writing to the XXXX, the XXXX, and will be tweeting about this and posting on socials for my following of XXXX people.
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning to find incorrect accounts listed on my credit report, and I have no explanation for how they got there. When I checked, as part of my usual routine, I noticed discrepancies that seemed to appear without warning. Thinking it might be a browser issue, I refreshed the page, but the errors didnt go away. The presence of these inaccurate accounts is deeply concerning, and Im asking for the documents Ive submitted to be carefully reviewed so this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion, XXXX, XXXX for my credit report and I received transunion report I called them and asked them who reported the chapter XXXX bankruptcy on my credit report and they said US Bankruptcy clerk in XXXX Al so i went to the clerk office and asked do they report to they report to the credit bureaus she said no so then I called the other 2 credit bureaus and they gave me the same Information transunion did. I want to know who reported the XXXX XXXXXXXX because I have a letter stating they do not report to no credit bureaus or credits agencies. I want them disputed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting Experian to correct my name on my consumer report. Since XXXX of this year they are reporting XXXX names for me, I have called them XXXX times and written them a certified letter with a copy of my drivers license and my bank account with the correct spelling of my name and they still refuse to change it. Recently I have applied for a loan and was denied. 

I will also forward a copy of the loan denial and other documents thru certified mail that I can't upload to this site.. I will send them thru certified mail as soon as I have a reference number from your office Also in my dispute letter to Experian I have detailed dates and documents, which I will upload here or send certified mail
Product: Student loan

I made a previous complaint abo ut Navient not workin g with me not combining my " private smart option loans '' or discussing options about lowering my payment. I finally reached a nice gentleman which helped me get on a payment plan for {$120.00} per month which is electronically debited. He explained to me that the interest rate, which skyrocketed would lower in the month of  XXXX . I am still getting calls at l east six times   per day and when I log into my account, they have me listed as delinquent. This problem was supposed to be solved in  XXXX  when I agreed to pay the set amount each month. This is ruining my credit and I need help as soon as possible. I think I am going to be forced to hire an attorney if this problem is not resolved.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$520.00} ; XXXX XXXX  XXXX XXXX XXXX {$5000.00}.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Product: Debt collection

I have two credit cards with debt collector Midland Credit management. The first one is a XXXX XXXX card with a debt of {$6600.00}. The second is also a XXXX  XXXX card with a debt of {$3600.00}. I recently have become able to pay these debts off, so I contacted Midland credit management by phone on XX/XX/2022. I was put in touch with a Senor manager, named XXXX XXXX who I negotiated with a relative 's help down since we were paying them off in full. For the first debt, we negotiated down to {$4200.00} and the second down to {$2500.00}. I was sent an email to accept electronic communication which worked fine and then was supposed to receive an offer letter via email with the verbally agreed upon negotiated amount. Once we would receive those, we were going to make payment. The emails never came even after repeatedly checking my spam folder and refreshing my email. XXXX said he sent them, but we never received them. We called him back later that day to let him know this and to have him resend the emails. Once again, they never arrived, and when we called the second time, the phone line was so bad, we couldn't communicate. We were transferred to another manager whose line was also very difficult to hear. 
We began reading reviews about this debt collector and saw the awful record they have with customers either being defrauded or paying off debt and never having it properly credited. I was horrified by this, and although I am committed to resolving this debt, I am afraid that if I pay them, it won't be properly resolved and will remain on my record. The correspondence with them has made me uneasy. 
The bottom line is that I would like to have someone help me communicate with them so that I can properly pay this off and be free of this debt so that I may get my credit score back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting several accounts to all 3 credit bureaus with errors. I have contacted XXXXXXXX XXXX and the credit bureaus multiple times to dispute the accounts and every time they verify the information is reporting accurately. I have now located my credit reports from 2018 and have proof that these accounts have been re-aged. They are not correctly reporting the date of first delinquency and that is illegal. The accounts I am disputing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my XXXX credit reports from 2018 as proof.
Product: Credit card or prepaid card

Citibank Credit Cards on XX/XX/2020 significantly lowered my credit limits on the Costco Visa ( by XXXX ) and Citi XXXX Mastercard ( by XXXX ). 

Their letter stated that it was due to an unpaid high balance on another card - this was the XXXX XXXX XXXX identity theft fraud that I previously reported and was trying to resolve with XXXX. 

I was current and paying on time and my accounts were long standing accounts in good standing with Citibank. 

As a result of Citi 's actions, my accounts at Citi were then shown as at 90 % + credit utilization further deteriorating my credit score. 

I have since paid off the whole balance of each of the citibank cards, but the damage to both my credit limits and credit score continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, and XXXX of 2017 by letter, I requested that the credit reporting bureau, Experian provide as they stated, and I was legally entitled to as they listed that they verified two public record bankruptcies with a third party vendor, I as allowed by law, the name and address of that vendor. In the meanwhile, I contacted XXXX XXXX a third party vendor used by some credit bureaus and requested information to see if they provided the information to Experian. The response after two mailing that my information was merged with two persons with the same name likeness, and addresses as I but it was corrected to remove those merged reportings. 

In my letter to Experian, I advised them that my information was merged with others with my same name likeness, except that name likeness is only the last name, in return Experian added those other name likeness to my credit file, and did n't removed the merged information, stating that they had verified with a third party vendor, but would n't identify the vendor. 

My conplaint is that Experian knows that my information is merged with others, and its a financial decision on their part not to remove the merged information, secondly after stating that I contacted on my own that its not XXXX XXXX that is providing the report, they double talk and still refuse to identify the third party vendor because in identifying the third party vendor, it would be verfieid that they are falsely reporting.