23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

PayPal Credit has offered both 6-month and 24-month payment options under certain purchase price conditions, interest free if such payments are made before the end of the payment term. Previously I have always made 6-month deferred payment purchases without incident. But on XX/XX/XXXX I made an XXXX purchase of {$1200.00} with '24 Easy Payments '. And on XX/XX/XXXX I made a second XXXX purchase with '24 Easy Payments ' in the amount of {$1800.00}. I specifically made these purchases because of the 24 month ability to pay them off. During the months of XXXX, XXXX and XX/XX/XXXX I made payments in the amounts of {$1200.00}, {$1500.00}, {$1500.00} totally {$4200.00}. On XX/XX/XXXX I had a balance of {$5500.00} which reflected 6-month deferred  purchases on 6 separate transaction that were made in XXXX and early XX/XX/XXXX in various amounts. I discovered on XX/XX/XXXX that PayPal had applied the {$4200.00} towards my XXXX  XXXX  month deferred payment purchases which are due in XXXX and nothing to 6-month payment purchases made at much earlier dates with the effect being that those 6 month credit purchases are now due in 2 or 3 large payments and my account will then be paid off because of the accounting method PayPal. I first 'live chatted ' with XXXX regarding this strange accounting practice and he gave me 2 explanations. ( 1 ) The company knew they had a 'glitch ' in processing payments and ( 2 ) It was necessary for me to call PayPal every month after I had posted a pending payment and tell them how I wanted my payment to be re-allocated. And then that re-allocation would be made in 1-2 billing cycles. I asked XXXX where in the PayPal website it told me that my monthly payment would first be applied to '24 Easy Payments ' purchases rather than earlier purchases? And where did it state I needed to call and reallocate my payment if I didn't like the way PayPal allocated it? He said there was nothing in the website. I asked how was I to know to reallocate payments and I was told that I had to figure it out myself. I asked for it to be resolved yesterday and I was told to call PayPal at ( XXXX ) XXXX which I did and spoke to both an agent XXXX and an Account  Manager XXXX. XXXX reiterated that it was my responsibility to call and reallocate the payment however I saw fit. She offered to reallocate funds but said it would take up to 2 months and that I should still pay applicable charges to avoid interest penalties. Paying applicable charges amounts to paying off the account instead of having the option of carrying the amounts for 24 months. A very deceptive and unfair result.
Product: Credit reporting or other personal consumer reports

I've requested for these inquiries to be remove off of my account.
Product: Mortgage

My mortgage lender failed to pay my homeowners insurance last year. They paid it for the current year. I had a conference call with the insurance division and my homeowners insurance company. The insurance carrier verified that the invoice was sent to the mortgage company multiple times without response. The insurance division of the mortgage carrier stated that it was never forwarded to their division from the mortgage division so basically its not their problem. The mortgage company is now charging me {$2300.00} for lender forced insurance for coverage for XX/XX/XXXX to XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, Mercury notified me of a request for additional water-related documents, due to the large number of contents we replied to the email hoping to buy some time, but then received an email from Mercury about the closure of the account, and almost every day since then we have been asking about the situation by email : what caused the closure of the account? Is it possible to restore the account? If it is not possible to restore the account, is it possible to communicate about the return of the money ( about XXXX )? Unfortunately, we have not received a single reply. Due to the fact that our company is in its infancy and out of trust in Mercury, we have almost all of our funds in the account, which is very important to us, and our business is now at a standstill. It is very urgent to communicate with Mercury at the earliest possible time regarding the return of the funds, the above is my situation, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I received a letter in the mail regarding a debt, I attempted to contact the number and couldn't reach anyone. On XXXX, I sent an email regarding the debt. I wanted in writing the information. XX/XX/XXXX, I received a letter from National Recovery Agency regarding a medical bill for XXXX hospital. I again emailed because you can't reach anyone by phone. On XX/XX/XXXX after sending an email. XXXX contacted me regarding the debt. I explained to her that I did not owe that amount, the amount I had indeed paid, and I supplied her with the balance I actually owed. She stated she would reach out to the company for settlement and would contact me back and even asked how I preferred to be contacted. I explained in writing, via email. She then said it would take a day or two for her to get back to me, but I would hear something. Fast forward to today and not one word and this debt has now been turned over and is reporting negatively on my credit. I have again reached out to National Recovery Agency regarding this, via email so that I have proof of everything and still have not heard one word as this sits on my credit report. I am unemployed due to Covid and explained that to XXXX and explained I wanted it settled. They have failed to do anything they stated. The conversation was recorded, as they all are. I'd like for someone to take care of this issue and take if off my credit!!
Product: Consumer Loan

GM Financial chose to forgive a debt to settle CFPB Complaint XXXX. However, they are filling my credit report with a past due debt even though the debt was reported as forgiven to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being hospitalized from XXXX  XXXX to my child via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

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

After reviewing my credit report on XX/XX/23 I noticed that there are accounts on there that should not be. XXXX WAS PAID free in clear I have my title for that vehicle as well so there should not be any negative remarks. XXXX XXXX XXXX XXXX is reported completely inaccurate this alleged debt has never been verified even after I sent in a request for an investigation over 3 times. The dates don't match and this is causing extreme hardship for me. I don't know much about how this process works but I do know the FCRA demands that you report 100 % accurate information. XXXX XXXX XXXX is another account that was furnished inaccurately and it was deleted from one credit bureau because of its errors but yet Equfiax is still reporting it. Your organization is governed by the same federal laws in which if there's errors with one account it shall be removed from all bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 15 USC 1028A. I never authorized these negative accounts to report on my credit report.
Product: Credit card or prepaid card

good afternoon ladies and gentle, on XX/XX/2023 I have XXXX XXXX off for my wife 's XXXX leases from ransack XXXX XXXX, first the selling price was incorrect then XXXX XXXX off was not implied to lower the monthly payments I reached out to selling dear for XXXX month along I informed XXXX XXXX from day one for the mistake to be fixed and nothing was fixed, so I disputed the amount {$2600.00} from discover card where I paid the drive off from, first they gave me credit and took it back cause they received document from selling dealer, then they re issue me credit for the the secound time based on the document received from the dealer being not valid, and today I called because I submitted a new document supports my case I was told by discover the dealer as the merchant got back the credit, I ask discover what happened wy her wander was same no diferent basically they reversed their decision based on faults and fraudulent contract even though I provide discover contract from same selling dealer much lower, I was talking to XXXX from discover and I told her I need to speak to your Mngr, like you know same all stories XXXX on the phone and they will never call back, at that time I told XXXX from discover I will file complaints true all Dpt and her reaction was laughing, makes me feel its ok to bully consumer then auto scammers dealer ships.
Product: Debt collection

XXXX requesting that MIDLAND CREDIT MANAGEMENT out of XXXX XXXX BIG XXXX XXXX XXXX XXXX XXXX, MI XXXX to remove XXXX accounts in the amount of {$4000.00} account ending in # XXXX & {$6900.00} account ending in # XXXX that are showing up on my credit report. 
that does NOT belong to me. I am NOT liable for this debt with midland credit management. I do NOT have any contract with midland credit management. Ive never conducted any business or ever been associated with them, and they inaccurately reported this to the credit bureaus. by not removing this from my credit report they are actively refusing to comply with The Fair Debt Collection Practices Act, The law requires companies to delete disputed unverified information from consumer reports. they have also threatened to pursue legal actions against me when I spoke to them questioning them about this debt over the phone which was recorded!. in the call you can hear them threaten to sue me. 

Both of these account must be REMOVED in full from all XXXX of the credit bureaus or I will not hesitate in bringing legal action against midland credit management for the Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Debt collection

I previously sent an inquiry to the credit bureaus to have debt collections removed from my file and it is still on my credit report ... ..these debts was obtain without my permission and I have filed identity theft report ... please remove from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint with the help of the CFPB to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. The accounts and information in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts and information or authorize anyone else to do so on my behalf. I believe that this is a case of fraudulent activities and I am taking steps to report this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX and I am including them againXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX CARD SERVICES Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Date XX/XX/XXXX ; UXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX CARD SERVICES Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy twice in XXXX. However, I did not proceed with the confirmation hearings, and thus, no judgments were filed. XXXX has already removed these inaccuracies from my credit report. Enclosed are copies of my bankruptcy filings, court correspondence, and my updated XXXX credit report for your reference. I submitted my dispute to Transunion online. There was not an option to submit my additional documentation although the dispute center states that there is a space to submit supporting documents online. I've also connected with Transunion via their phone dispute service, in which I was informed that Transunion does not remove erroneous information on public records. They refused to submit my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account and credit inquiries listed on my Experian credit report are fraudulent, unauthorized, not mine and dont belong to me : Delinquent XXXX/XXXX XXXX : XXXX, {$360.00}, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX XXXX XXXX, XX/XX/XXXX
Product: Debt collection

I got a call from XXXX on XX/XX/XXXX at XXXX XXXX. As I was waiting for a communication regarding a position I'd interviewed for, I answered, as the number came up as from South Carolina, and some of our employees are working remotely. The person I spoke with, who identified himself as XXXX XXXX, said he was from an organization called Mediation Recovery Center, which I was able to confirm is located in South Carolina. However, upon further research, I encountered an article mentioning that MRC was hacked by fraudulent debt collectors several years ago, so I was extremely hesitant to speak to anyone from that organization again. Particularly since the po box listed for payment is listed as being in Illinois. 
A couple of days ago, I received a letter in the mail, showing it was mailed on XX/XX/XXXX, with a lower balance due than the statement emailed to me on XX/XX/XXXX. Today, XX/XX/XXXX, I received a call from an Ohio number from a man who identified himself as XXXX XXXX, who provided the same callback as on the letters from XXXX : XXXX, but also said I could use the Ohio number XXXX that came up on my caller ID. 
My biggest issue with this entire situation is that for this episode of care, I was receiving XXXX benefits, and never even got billed by the XXXX XXXX transported me to that night because my insurance was billed. The creditor listed on this statement is XXXX XXXX, who are still in operation in Ohio, but have not returned my call. XXXX claimed on XX/XX/XXXX that XXXX 's billing department no longer existed, and all their accounts had been purchased by MRC. Why would they close their billing department if they're still in operation? Also, why would I just now be getting all this communication for an episode of care from XXXX of XXXX, when the statute of limitations in Ohio is a maximum of 8 years?
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.
Product: Debt collection

I received a letter from XXXX stating that my information was compromised from the XXXX servers and that my information from a XXXX acct that i applied for was taken. I did not open a XXXX acct. I applied and was denied. But my personal information remained on their servers and was taken and a fraudulent charge of XXXX $ resulted. I have uploaded the letter from XXXX. Id like this negative mark on my credit removed removed since it is NOT MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has made it very difficult to submit any documentation and has even acknowledged that documentation they have received was exactly what they asked for, they still will not remove my unauthorized inquiries. I have 14 inquiries listed on my consumer file. This is inaccurate information.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. than I contacted Transunion few times already and it still reporting unverified Inquiries on my credit report.
Product: Debt collection

I received phone calls approximately XXXX months ago about a delinquent payday loan. I never took out this payday loan and the money the company said was deposited in my checking account never was so the debt is completely false. Now I have Aargon Collection Agency out of XXXX XXXX, Nevada trying to collect this same debt and providing no debt verification even though I can prove through bank records that the payday loan was never applied for or received.
Product: Checking or savings account

I changed my phone number with Marcus on XX/XX/XXXX. Shortly after I was locked out of my account as a security procedure. I called them to verify that my phone number had changed and to submit a formal change on XX/XX/XXXX. The representative stated that I would have to wait 7-10 business days as the account was under review. I reached out to them again on XX/XX/XXXX to inform them that no one reached out to me in regards to my account. They transferred me from rep to rep to supervisor while stonewalling me and not resolving the issue having me verify my information repeatedly and asking security questions from public information. how is that secure!!! I spoke with a representative supposedly from Marcus that told me that they needed to verify my external account. This was after I had already made multiple deposits and withdrawals to this account. Furthermore that same representative took the liberty to change my address to an old address in OH that I hadnt lived at for years. This was done without my consent. The business continues to refuse to update my phone number and continues to stonewall me about the phone number change. The business has made NO efforts to verify my account despite multiple security questions. The business has had me speak with individuals that are not employed by Marcus in attempts to gain access to my personal information, having me change my email password and Marcus password. On XX/XX/XXXX, I spoke with two representatives, XXXX and XXXX both of whom instructed me to change my password while on the line with them. XXXX had me do this on XX/XX/XXXX. She made unauthorized changes to my account then She ended the call after changing my information to the incorrect information, including a change to my secret word that I did not authorize. I have a phone record that I spent over 3 hours on the phone with Marcus staff and representatives while the put me on numerous holds and continued to feed me inconsistent information. They took no accountability for the errors and changes made by their representatives. All of there calls are recorded and should be pulled to show the lack of security, care, and protection of my personal information. They are holding my funds hostage during a cross country move.
Product: Credit reporting or other personal consumer reports

Hello CFPB, I submitted three disputes with Experian about unauthorized inquiries and updating account information. Experian has declined to investigate the dispute by assuming I didn't personally submit the dispute. I attached my ID as proof of verification that I submitted the dispute. Please see below the list of the dates the disputes were mailed. 

XX/XX/2024 XX/XX/2024 XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received a copy of my credit report and have noticed fraudulent accounts. I am requesting that all accounts and addresses that I have listed on my FTC report to be blocked and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently sent dispute to experian, equifax, XXXX for reporting information to credit report without my consent in direct violation FCRA.
Product: Student loan

My problem is with Ed Financial. I have made payments towards my federal loans, over half of it. Somehow, instead of applying it to all of my loans, it was applied to some of my loans and now there is an overpayment on half of my loans where as my remainding loans still have an active high balance that is being charge interest every day. Over 5 hrs of waiting and they didnt even pick up. Its hard to chat with anyone on their website. Why was my payment not distribute fairly across all my loans? I feel like they are trying to gain interest on my loans day by day by dragging this out.