23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have my mortgage moved to Forbearance with Loancare ( XXXX  ). In XX/XX/2022, I signed an agreement with my loan service providing to modify my loan and payment in which my new monthly payment was suppose to be a {$790.00} XXXX. I start my payment on the new loan modification in XX/XX/2022. My XX/XX/2022 statement from Loancare ( XXXX  ), I received a bill in which my payment was increased to {$1100.00}, I called the Loancare ( XXXX  ) to express my concerns and requested to speak with someone regarding my account. And, I informed Loancare ( XXXX ) I had just recently had my payment modified and it must have been some kind mistake with this payment amount and that I would only be sending {$900.00} for my XXXX payment until I spoke with some regarding my account. I was then told the increase was due to the shortage in my escrow account. Well, I told the Loancare ( XXXX  ) representative this should have bee taken into account when you all drafted the modification agreement and I don't expect any change to my escrow account for at least XXXX month or why did they add over {$6000.00} to my principal loan amount. I was told they would spend my account to the loss mitigation department. I did not hear them or receive any correspondence. I received my XXXX statement in which I was not billed for XXXX for the {$1100.00} plus late fees. In spite of the fact I paid {$900.00} with cover my principal and interest and previous estimate escrow amount. Not sure if I am late if I cover the principal and interest on the loan??? And, the Loancare ( XXXX  ) has reported to the XXXX XXXX my account as being late. Therefore, I have paid the {$1400.00} to keep from damaging my credit score and from accumulating late fee in effort of my loan service provider to force my property into foreclosure. I call the Loancare ( XXXX  ) customer service line again and has not spoken to any representative willing to assist me with this matter. But, they were will to take my additional payment over the phone without a fee. My next step is going to be reaching out to them certified mail. Because, if they are going to continue to bill me at the higher mortgage amount then I need them to remove the additional {$6000.00} added to my principal balance for the loan modification.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 PayPal I Sent My XXXX  {$190.00} PayPal Charged A Transaction Fee {$5.00} She Only Received {$180.00} XX/XX/2023 PayPal I Sent my XXXX  {$1100.00} PayPal Charged A Tranaction Fee {$35.00} She Only Received {$1100.00} In Both Cases There Is No Transaction! 
There Is No Shipment! 
This Was Simply Money Sent To Family Member! 
Since There Is No Transaction No Shipment No Transaction Fee Is Applicable! 
Consequently No Transaction Fee Should Have Been Charged! 
I Want Both Fees {$5.00} {$35.00} For Total {$40.00} Refunded! Asap! 
These XXXX Fees Should Be Investigated! 
I'm Sure I'm Not The Only Person That Have Been Erroneously Charged These So Called Transaction Fees When In Fact There Was No Transaction! 
Your Assistance Is Greatly Appreciated!
Product: Debt collection

I have never came into a valid contract with southwest credit systems. 
At this time they are violating my consumer rights by not sending me a letter to find out how to dispute this matter. 
They are also violating my consumer rights by reporting that I owe a debt to them without first validating the debt amount of {$160.00}. 
I have sent out a debt validation letter to Southwest Credit Systems. 
XXXX XXXX the CEO of the company on XX/XX/2021. 

Southwest Credit Systems, in accord with the Fair Debt Collection Practices Act [ 15 USC 1692 et seq. ], provides verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury ; or provide a copy of a judgment, sworn by wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against claimant. 

Notice is hereby given to Southwest Credit Systems to CEASE AND DESIST from any further collection activities prior to validation of purported debt in regards to Alleged Account : XXXX, pursuant, but not limited, to the truth in lending laws of the United States Code, Title 15, Sec. 1601 et. seq., the Fair Debt Collections Practices Act laws of the United States Code, Sec. 1692 et. seq. and the conditions stipulated in this presentment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires are not recognized. Have sent in several different request stating these were not authorized. Some inquiries are showing up multiple times on report These are the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, I received the first text message from Reliant Capital Solutions ( RCS ), a debt collection agency. The message stated that RCS had business of mine in its office and provided a file number and a link to make a payment. However, the text message did not include any information about the debt, such as the original creditor or the amount owed. 

Since that date, I have received multiple identical text messages from RCS. Despite contacting me, RCS has never sent me a written validation notice, as required under the Fair Debt Collection Practices Act ( FDCPA ). This written notice should have been sent within 5 days of their initial contact and must include : The amount of the debt. 
The name of the original creditor. 
Information about my right to dispute the debt. 

Additionally, I received an email from XXXXXXXX XXXX XXXX XX/XX/year>, stating that my debt had been transferred to Reliant Capital Solutions for collection. However, Reliant Capital Solutions has failed to validate or verify this debt in writing. The repeated text messages lack crucial details about the debt, and I was never notified of my right to dispute the debt or request validation. 

Their failure to provide proper written notice is a violation of the FDCPA. I am filing this complaint to report Reliant Capital Solutions failure to comply with federal debt collection laws and request that they be held accountable for their actions.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a pre-order of {$2400.00} ofXX/XX/XXXX XXXX XX/XX/XXXX fromXX/XX/XXXX XX/XX/XXXX using my HSBC Credit Card. 

The delivery date was to be XX/XX/XXXX. Between those two dates XX/XX/XXXX went out of business and stopped responding to my e-mails. I never received the goods I Initiated a dispute with my Credit Card holder, HSBC USA, on or about the middle of XX/XX/XXXX. 

In mid-XX/XX/XXXX I moved and I immediately changed my address with HSBCXX/XX/XXXXon XX/XX/XXXX. 

On XX/XX/XXXX HSBC sent me a letter to my previous address denying the chargeback, because the merchant had provided a record of the transaction. The letter gave me until XX/XX/XXXX to respond. The merchant did not provide proof of shipment. 

Due to HSBC using a previous address I received the letter on XX/XX/XXXX at my new address. 

I immediately called HSBC upon receipt of the letter, on the XXXX. HSBC said that the dispute department was not taking calls and that I needed to e-mail them. I e-mailed them and have heard nothing back. When I contacted them via twitter they stated they they respond to all e-mails within two business days. Today is the 4th business day. 

HSBC is failing to respond to fairly basic dispute. The merchant is out of business and is unable to provide the goods ordered. HSBC is refusing to honor its agreement to process the chargeback.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting XXXX repeatedly MISREPORTED my Student LOAN FROM XXXX THE LOAN IS IN FORBEARANCE, while another payment plan is being put in place so I get credit for NON Missed payments ... I have NEVER missed a payment on my student loan. IF the balance went up it is beacuse of the FEDERAL GOVERNMENT not me. I want to report EQUIFAX to the FEDERAL TRADE COMMISSION. This is the 3rd time they made negative commets on my XXXX XXXX report causing my credit to fall.This time it is 38 points. They are responsible for me not being able to get a better rent due to this score and I want them to be SUED for false reporting.Sued for destroying my life when I work hard to pay all my payments on time. I also must add that my credit balances have dropped consistently and EQUIFAX should be improving my score not lowering it. THIS IS WHAT EQUIFAX WROTE ON MY CREDIT REPOT ON XXXX XXXX 'XXXX DEPT OF EDXXXX Balance Increased by {$14.00} It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your DEPT OF ED/XXXX student loan account balance increased by {$14.00} from {$20000.00} to {$20000.00} '' .Please advise me as to what Government Agency could I report the dealings of EQUIFAX to. I have proof that they had no business saying I missed a payment to my Student Loan
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a late payment on my auto loan account ending in [ Last XXXX Digits of Account XXXX ], as well as to raise concerns about potential unauthorized access to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to accurate reporting and protection against the misuse of their credit information.

Upon reviewing my credit report, I noticed inquiries and activity tied to my auto loan that I did not authorize or fully understand. Under 1681b of the FCRA, my credit report may only be accessed for permissible purposes, such as credit applications or account management and only with my explicit consent. Any inquiry or sharing of my credit information beyond these legal boundaries constitutes a violation of my rights.

Given these potential violations, I am requesting that the late payment associated with my auto loan be removed as part of resolving this issue. The presence of unauthorized inquiries and potential misuse of my report calls into question the accuracy and fairness of the late payment reporting.

I kindly request that you : 1. Investigate all credit inquiries related to my auto loan account and provide documented proof of my consent.

2. Remove the late payment from my credit report, as the improper handling of my credit information undermines the validity of this negative mark.

3. Confirm the removal in writing and provide assurance that my credit information is now handled in full compliance with the FCRA.

If this issue is not resolved promptly, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for willful noncompliance under 1681n of the FCRA.

I appreciate your immediate attention to this matter and look forward to your response within the legally required 30-day period.
Product: Credit card or prepaid card

I was offered a credit line for XXXX by Paypal through Synchrony Bank. I've had a good relationship with Paypal for a decade so I accepted and closed out my old credit line with another bank. The card is supposed to be linked to my Paypal account, which pays for my other Paypal Credit account automatically every month from my checking. A month later I get a notification from credit monitoring service saying my scores dropped. When I called synchrony they said I was late so I immediately paid the entire balance and tried to figure out what went wrong because Paypal should be paying them from my bank account just like my other paypal credit account. I set that up already. When I explained it they apologized and told me they were going to restore my credit line and to check back in a week. I checked back every week for three weeks and nothing happened. Now I have no credit and my scores are in the dumps, and I can't even get back the old credit line I shut down because I relied to my detriment on Paypal 's extension of Scynchrony credit. Then I told paypal I dont want to do business with them anymore and asked them to close my account and they wont.
Product: Credit reporting

I had a bill with XXXX XXXX in which was paid. I submitted my paperwork showing this judgement was paid and for some reason XXXX or Equifax did not remove this off my credit report and wont allow me to dispute it. I just recently went through the cfpb to help me with XXXX and It was just recently removed off my experian but now I see it popped up on my XXXX and Equifax. Why??? why are these companies giving me such a hard time taking it off my credit report.Once again I contacted XXXX district court in Michigan in which they stated the same thing I had to reach out to XXXX XXXX and Equifax as I did experian to have it removed because XXXX district never put it on my credit report. I reached out to both companies and was told to call the XXXX number for each company why?? they wont give me a reason. Like I explained before in the previous dispute I 'm just trying to buy a home and this public record is really a hurting factor on my credit report. The judgement was satisfied and the courts did n't put it on my credit report so why do I have to suffer when all I 'm trying to do is maintain a good credit score and purchase a home for my family to live in. XXXX and Equifax need to remove this off my report its unfair & XXXX it really is. Once again I also called XXXX XXXX in which the representative suggested I contact cfpb. All I want is for this public record to come off my account its unfair that this is holding me back from obtaining a financial loan. The courts acknowledged they did n't put this on my credit report so why is it so hard to dispute it. Please I need this off my transunion and my equifax report why would it show up after it was taken off my XXXX? Can you please help me with this situation attached I will submit the information for the satisfied judgment. 

Regards XXXX XXXX XXXX
Product: Credit card

On XX/XX/ my XXXX account was hacked and used. My Apple Card on file was used to make 12 different purchases for multiple bulk orders of XXXX toothpaste. I contacted Apple and Walmart right away and both companies recognized it was fraud. I was told by a XXXX representative to delete my account, so I immediately did. Four out of my 12 disputes were denied and Goldman Sachs keeps saying XXXX has provided evidence that it was not fraud because my card and account were used. Do these big companies not understand how fraud and identity theft work? I have provided a substantial amount of evidence including the IP addresses the purchases were made from ( Provided to me by XXXX XXXX XXXX ) which do not match my own. Ive also shown them the " proof of delivery '' photos sent to my email. The photos were the inside of a vehicle I do not recognize and an elevator I do not recognize both photos sans " package ''. Does this not seem sketchy and obvious signs of a scam? I am still dealing with these fraudulent charges 9 months later. I spoke to an apple card specialist manager today and he tried to tell me that he was going through the same issues with a fraud charge through his apple card. ( He also tried to tell me that it is safest to use a debit card because using a credit card is always a gamble since it is someone else 's money. I've never heard anyone say that using a debit card is safer. ) If an employee can not even feel safe using this card, how are the rest of us supposed to feel? Has anyone ever had a similar situation to this? If so, how did end up being resolved? Any input is very appreciated!
Product: Checking or savings account

I sent a complaint to chase XXXX handle Saturday in regards to them cancelling my card,due to fraud, and I explained to them that the nearest chase in 30 minutes away. I have XXXX XXXX kids. No car. I use XXXX so I need my card so the rep told me that she would have my card rushed. It is now Friday
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Debt collection

Attempted to collect wrong amount Debt resulted from identity theft Did not receive notice of right to dispute Not enough information to verify debt i.e. amount of debt & name of creditor Did not disclose communication was an attempt to collect a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. 


I have sent several Disputes to XXXX, XXXX and Transunion about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They have refused to provide the proof of these accounts. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regard to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. You have NOT given me a duplicate of ANY unique documentation ( A buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " promptly DELETE all data which can't be confirmed. 

You will find attached all the items that are not 100 % accurate. That I demand to be removed immediately.
Product: Credit reporting or other personal consumer reports

As a victim of debt bondage, a severe form of XXXX XXXX. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted. 

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