23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint Against Healthcare Finance Direct ( HFD ) : On XX/XX/XXXX, I entered into a financing agreement facilitated by Healthcare Finance Direct ( HFD ) for services provided by XXXX ( XXXX ). Due to XXXX bankruptcy filing on XX/XX/XXXX, the terms of this agreement have been rendered impossible to fulfill. Despite this, HFD continues to send me payment demands for services that are no longer accessible. 

Furthermore, I have repeatedly requested that HFD email the refund request form to my current email address, as the email on file is outdated. However, HFDs representatives have continuously refused or neglected to forward the form to my requested email address, demonstrating a complete disregard for resolving this matter. 

HFDs actions are unacceptable for the following reasons : Unfair and Harassing Payment Demands : HFD continues to demand payment for services that XXXX is no longer able to provide, causing undue stress and financial burden. 

Failure to Honor Refund Request : I have made multiple attempts to resolve this issue and obtain the refund request form, only to have my concerns ignored or dismissed. This lack of cooperation is both unethical and unprofessional. 

Breach of Contract : As XXXX is unable to fulfill its obligations due to bankruptcy, HFD has no legal or ethical grounds to continue processing payments or withholding refund information. 

I demand : An immediate cessation of all payment demands. 
A full refund of the amount I have already paid under this agreement. 
The refund request form to be sent promptly to my current email address. 
Failure to comply will result in complaints to consumer protection agencies, public forums, and potential legal action. HFDs predatory and negligent practices must be addressed immediately. 

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

Paypal has put my account on limitatin for no reason and not letting me withdraw my own money.
Product: Debt collection

I tried to correct this issues but I had no luck with this .I pay all of my bills on time and I never take people money .because I have to do right
Product: Checking or savings account

While on unemployment, during 2020, I received a deposit only account from Bank of America, which was the only option to receive my money. During this time, most of the branch locations were closed because of the pandemic. Oftentimes the ATM machines were completely out of money. This caused me to use out of network ATM machines incurring finance charges, but it also had another effect. Everytime I withdrew money, my account was locked for XXXX business days pending a fraud investigation. I called the XXXX department approximately XXXX times, every time they assured me that it wouldn't happen again. At XXXX point my account was locked for over XXXX weeks. I set up another account with XXXX Bank, and had my money transferred to it automatically but encountered the same problem. This forced me to take cash advances from my card, costing as much as XXXX dollars per transaction, but I had no other way to access my funds. 
Upon contacting Bank of America, I received a response from XXXX XXXX, who according to my research was formerly fired from XXXX Bank for fraud. And she's my resolution XXXX??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items that are reporting with inaccurate information on my credit report and I have received no responses at all. I notified them on XX/XX/XXXX ; XX/XX/XXXX and I have disputed each item again XX/XX/XXXX. I have not received any kind of response from them whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIBLE accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
Product: Credit card or prepaid card

so i file unemployment i was expecting my card but my card never can in the mail i start reciving deposit from my state unemployment since XX/XX/XXXX but never recived the card in the mail then later i try to call or reach way 2 to go pogram the only way to contact them by phone but i call they never anwser maybe short of stuff people staying at home and working so i recived total of XXXX total in benefits but XXXX dollars was made in fraud purchases from XX/XX/XXXX to XX/XX/XXXX but i could not see this trancsations because i never recived the card and you cant access the website without a card. and you cant check your account by phone without the card. so i was ok maybe when things get better i call again anyway card is not activated so i try to call multiple times and sometimes i waited 5 hours on hold and the disconect and finally so one anwser and other i new replacement card this was on XX/XX/XXXX so when i was talking to the person i ask what was the balance on my card she said XXXX and ask her why suppose to. be more than that she said it was only XXXX i ask her if the lost card was activated she said no so i know some people was getting payments from unemployment delayed so i think that was the issue maybe but no when i recived my card i activate and made my login for the website and then i spend the XXXX left thinking thata maybe the other payments was delayed then XXXX day i went to see all transactions that when i notice that XXXX was use in fraud purchases i made a report on XX/XX/XXXX of XXXX then it took 46 days to investigate the dispute then they denied me but they make so hard to communicate with them and also they did a XXXX dollar purchase in a XXXX or XXXX and how that didnt alarm them no one spends XXXX in a store in foods
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this inquiry, and have submitted over and over for proof that I indeed consented to this inquiry. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

I have a student loan company that report to my credit report that I havent been making payments. When I have. Also, some of the times I try to loan on there webpage. The page is not working. Other times I call to make a payment the automated service says my account, social, and birthday info I give them doestt match what they have. But want me to make a payment when Im a day late on payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 or prepaid card

I received a letter from a current creditor PayPal Credit c/o Synchrony Bank in which they sent a letter explaining they lowered by credit limited  on XX/XX/XXXX. This is not a big deal, however, the concern is on XX/XX/XXXX this creditor completed a soft credit pull without my permission or consent. I never asked for a credit increase for them to do so. I called to speak to the manager and the only response was it protocol for them to do that. I believe that my rights have been violated if every creditor had this power then what's the point of giving consent
Product: Debt collection

I tried to contact JH portfolio to get verication of debt and have yet to receive any information from them. I tried for months to contact them but via phone and could never get anyone on the phone.
Product: Credit reporting or other personal consumer reports

I'm receiving Threating phone calls and emails from the company below and XXXX, XXXX, XXXX are transferring my information without my consent. 
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 Absolute resolution INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All of my XXXX student loan accounts on my credit report are showing 90 days late in XX/XX/2020. They are not showing 60 days late in XXXX or 30 days late in XXXX. I did not have a payment due at that time to the best of my knowledge. I contact them and they simply added a comment to the credit report saying the " dispute is settled-customer disagrees ''. I don't believe they actually looked into it and refused to update my credit report.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX  the original debt collector they couldnt find the account nor had any information to assist
Product: Credit card or prepaid card

Quite simply I have a charge appear on my card once a month from a vendor on an Amex card which they dont know how to fix. They are partners with this company. I havent done business with XXXX ( the company in question ). 

Several ( many many ) phone calls, emails, and no resolution. Every month I am forced to can Amex over the same thing. We have tried to replace the card, block the vendor, communicate with north Amex XXXX XXXXXXXX XXXX but to no avail. Help!
Product: Debt collection

about 2 months ago i checked my credit and found a collection on my credit report i wrote to the 3 credit bureaus XXXX XXXX and XXXX about them reporting that derotegrtory item on my report. i also tried reaching out to the company in writting for help just to see whom they said i owe and what its for but i got no response and the 3 bureaus keeps telling me verified. but when i ask for proof they just keep sending me back to the collection agency. so i XXXX it and found your site. i am asking for help if you can please help me its damaging my character. i tried to make mends and no response but its sitting on my credit report. the company is XXXX XXXX /RESURGENT CAPITAL SERVICES ID # XXXX. thanks inadvance.
Product: Credit reporting

VICTIM OF INQUIRY ADD ON OF TRANSUNION. 
AND WOULD NOT REMOVE IT
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting by TransUnion for Account XXXX Dear CFPB Team, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : 15 U.S. Code 1681i : This section mandates that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct the inaccurate reporting of late payments demonstrates non-compliance with this requirement.

15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this standard.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and financial reputation.

PAANL Violations : Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The persistent inaccuracies in my credit report violate this principle. 
Summary of Errors and Discrepancies for Account XXXX TransUnion Late Payment : A XXXX late payment was inaccurately reported for XX/XX/XXXX. 
XXXX XXXX : Reported as {$5000.00}, differing from other bureaus. 
Last Verified Date : Marked as XX/XX/XXXX, inconsistent with other bureaus. 
Closed Date : Listed as XX/XX/XXXX, different from other reports. 
Dispute Status : Marked as " Account not disputed, '' despite prior disputes submitted. 
Account Remarks : Incorrectly states " Canceled by credit grantor. '' Two-Year Payment History ( Late Payment Dates ) : Reported a XXXX late payment in XX/XX/XXXX. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. The continuous inaccuracies in my credit report must be addressed to ensure compliance with federal laws and to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Wells Fargo Home Mortgage is still sending a statement, attempting to collect, after sending a 1099c ( cancellation of debt/forgiveness )
Product: Mortgage

I have applied for a short sale of my home and have been in review for over a year. In  XXXX   XXXX  my home was appraised and an offer was submitted however due to repetitive document requests we were forced to have our property valuation redone in  XXXX   XXXX . I was advised on  XXXX / XXXX / XXXX  that the value came in higher than my offer and that I could counter or dispute the value. I was given a list of items needed to dispute that value and was advised that I had time to do so, but was not given an exact time frame. I submitted the information to the bank on  XXXX / XXXX / XXXX  showing pictures and  contractor  information for the repairs of the home. I followed up with the bank on  XXXX / XXXX / XXXX  that the documents had been received as the account representative stated it could tak e 48-72 ho urs for docs to be uploaded, however the rep at that time advised the file was closed out on  XXXX / XXXX / XXXX  for an insufficient offer and that the sale date was set on  XXXX / XXXX / XXXX . To my dismay I was not aware that the foreclosure proceedings were continuing while in active loss mitigation review. According to CFPB guidelines :  Restricted Dual-Tracking :  Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. Why would this continue if I was actively being reviewed for a loss mit option? I would like to be allowed to have the valuation dispute reviewed and the opportunity to counter. 10 days is not enough time to do so in any regard.  SPS  now refuses to to give me the information I need to appeal the decision and the letter they sent to my authorized third party does not give a reason for denial or even information on how to appeal. Please help.
Product: Mortgage

I am a XXXX XXXX, I served my country for a long time, in XX/XX/XXXX I was XXXX XXXX XXXX XXXXXXXX which caused my XXXXXXXX XXXX XXXX and I went into a XXXX  for months, after that I had to take XXXX since my XXXX and XXXX were too weak to even XXXX XXXX XXXX XXXX. For that reason I stopped working for almost a year, which caused a great economic impact. Today I am trying to cope with it and work hard to catch up on my accounts. 

On XX/XX/XXXX I applied with Shellpoint to obtain a Modification, my monthly payment is {$450.00}, currently my monthly salary is {$2500.00} and I have {$500.00} in savings on hand, I presented these numbers in the application I sent in XXXX of last year, but despite that Shellpoint gave me vulgarly exaggerated payments, with a downpayment of {$22000.00} and a monthly payment of {$360.00}, I have no problems with the monthly payment but clearly after my situation and my age I do not have {$22000.00} dollars in my pocket for that reason I am applying for help to modify my payments, no one wants to give me loans and I am just getting out of my debts. Adding to that, they gave me a sale date of XX/XX/XXXX, there is no way for me to get that money by that date. 

Please help me get a more comfortable Modification to continue having my home, I am a single man without family or friends, I have XXXX XXXX and economic problems caused by the pandemic.
Product: Mortgage

In XXXX I was contacted by a GIT SIT SOLUTIONS stating they are the new loan servicer. Later they contacted me stating they are not only the Lender, but also the servicer. They stated they the alleged loan was transferred from XXXX XXXX XXXX XXXX XXXX XXXX. I have never had a contract with nor given consent to XXXX XXXX XXXX. XXXX has never disclosed themselves as the " Lender '', only the servicer. How could GIT SIT SOLUTIONS become the owner of an alleged loan transferred from XXXX  when XXXX was never the owner?
Product: Debt collection

Ability Recovery Services is reporting a collection account in violation of FDCPA. 
I have never received a notice from this collection agency. By law, I should have been granted 30 days to dispute the debt. I became aware of this account as I checked my credit report. I am requesting this collection agency to provide proof that I have received their letters or any other communication that they may be falsely claiming to have mailed to me. The reason I emphasize this matter is because I lived XXXX for a very long time and I have recently relocated back to the States. I know for a fact that I did not have the opportunity to dispute. 
2- I am requesting a valid/legit proof of debt written contract or agreement. 
Please note that this agency has not listed a phone number on the credit report and has only listed the following address : XXXX pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was asked by myself and XXXX card to remove 5  hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.
Product: Mortgage

I currently have a mortgage serviced by OCWEN Loan Servicing, LLC, for a property awarded to my ex-spouse resulting from a divorce. I am listed solely on the note. The ex-spouse was supposed to make timely mortgage payments as agreed upon in the final divorce decree, the property settlement agreement, and the special warranty deed. In XXXX of XXXX the ex-spouse stopped making the mortgage payment. I was made aware of the default in XXXX XXXX, and began correspondence with OCWEN to have my name removed from the note, and sent them a completed package with the divorce decree, property settlement agreement, and special warranty deed. OCWEN rejected that proposal about one month later and placed the property in foreclosure. In XXXX of XXXX, I again contacted OCWEN and requested a loan modification. I sent in my packet along with all the relevant divorce paperwork requesting a modification or forgiveness of a portion of the balance. I explained that I would pay the remainder of the balance in cash in 60 days. In XX/XX/XXXX, OCWEN rejected that offer. I then contacted OCWEN asking how can I remedy this situation, and the customer representative recommended completing a deed in lieu of foreclosure application, which I did on XX/XX/XXXX. I believe that OCWEN is intentionally rejecting these offers because the property is now valued more than owed, and wants to sell the property out from under me.