23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a purchase of an Apple product and chose to pay an on an installment plan through Apple. When you make the purchase you put in all of your information for payment to the same company that you were getting the installment from... Essentially making the first installments payment that day. For good reason I assumed that this would be used for all of my future payments. I didn't opt out of paper billing. I didn't select anything special. 

3 months later I checked my credit report and it showed up as having unpaid accounts. Using that information I was able to track down a website to check on auto billing status. The company claims that no information was entered even though I clearly put all of it in when I made the first purchase or they wouldn't have sent me the computer I purchased. 

They sent me no bills or past due notices. I didn't even have any information to know who the financing was through... When I called the number after finding this website it claimed the financing was through Goldman Sachs, not Apple. They informed me that they never sent any paper bills... Even though there were past due notices on the account, I had no idea this was happening and that my initial payment information wasn't being used. 

I would understand if it was a third party financing company that I had set up a totally separate account with... But then you get all of your account information in the mail. The website I'm still being sent to is an Apple based website. Apple is the company that I entered all my payment information to initially. This seems like it is clearly set up as a scam for customers that would give us no way to understand that the information we are submitting upon agreeing to the payment plan requires additional setup beyond entering all of our payment information to make the first installment payment and get the item. This process needs to be fixed. It's predatory. They claimed to have sent emails, but unless it was just going to my spam box and being filtered out automatically, I certainly don't see them. And having no system to send paper bills if you aren't getting payments or not giving someone the option to opt in or out of online payments at the time they sign up so they are aware and have copies of all of their account information and website for setup for additional payments.
Product: Debt collection

XXXX collection agency try to collect for a very old debt thats overy the statue of limitations the account is XXXX XXXX that went out of business the collection rep from XXXX  inc made threats to me saying he could have inforcement on me and unlawfully harrass me thecall is recoreded the call was made to me arround XXXX pm or early their time zone is XXXX hour behind from XXXX phone number above XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Experian credit report is fraudulent and not my credit inquiry : XXXX XXXX XXXX, XXXX/XXXX/2023.
Product: Credit card or prepaid card

I received this card without my agreement. My store credit card was moved to a comenity credit card without notification or consent. I didn't want to cancel the card as I didn't want to hurt my credit. Needless to say I have never used this card and it has never left my house I was recently sent a notice that my payment was due. When I looked into it, I discovered a long list of fraudulent transactions on my card. This seems impossible because ( as I said earlier ) I have never used this card. So it seems the company couldn't keep my information secure. Something that I think should also be looked into. 

I called on Wednesday, XX/XX/XXXX and tried to dispute the charges but was put on hold for over 40 minutes before I gave up. I then tried messaging them under my account on their website. This was also on XX/XX/XXXX. I asked that they remove the charges and cancel my card immediately. I also informed them if I didn't receive a response by the end of the week that I would file complaints. They have yet to answer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit card

US Bank issued a credit card product for XXXX XXXX. In the card agreement it says, " ... bonus award night exclusively for card members ... '', " enjoy all these benefits after paying {$75.00} annual fee. " I did pay the annual fee for the card and now they are removing the benefit after I 've paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this collection, whether it be my wife or myself we TOLD the hospital billing when admitted That they MUST use services ( doctors, tests etc ) that our insurance covers. All my collections are medical just like this. With all we pay for insurance and copays this is not right. I need these removed I will never pay these. Please help as this really stinks Medical collection accounts can be part of a credit report, but for privacy reasons, certain types of info is blocked from the reports provided to lenders. 
Medical collection accounts can be part of a credit report. However, for privacy reasons information that identifies the specific illness, type of treatment or the service provider is blocked from the credit reports provided to lenders or other businesses. 
Thank You, XXXX XXXX XXXX
Product: Debt collection

Unsure of date, months ago they called and asked for me by name. I verified and they asked for my birthdate. I asked what it was in reference to and they said they needed my date of birth to continue. I told them I would not provide that and to send me a letter in the mail. They said they would send me mail but they have not done so since that phone call months ago.     They claim I owe a debt to a local hospital but I have no recollection of said debt. They call from multiple numbers in different states. Last call was  XXXX   XXXX  a t    XXXX   XXXX  , central time, from  XXXX .     Their last known address is Commonwealth Financial Systems , Inc .    XXXX   XXXX   XXXX .    XXXX   XXXX , PA  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Experian on XX/XX/2021 against XXXX XXXX XXXX, once I learned about a line/phone opened with XXXX XXXX XXXX XXXXXXXX XXXX The disputed case # XXXX. I filed a police report as well and submitted this with the dispute to Experian. I am still showing the account is in collections with XXXX XXXX XXXX  and that Experian deemed it accurate. This incorrect and I feel that Experian is not protecting me, even after going through the proper steps, I am still stuck with a bill from some fraud activity on my XXXX XXXX XXXX account. I did not do this and I need someone to help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2012, I call the company ( First Premier Bank ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.
Product: Checking or savings account

Ive been with Bank of America for years and they have always constantly charged me more then once 35 on transaction canceled if I could not get over to the bank to deposit more money
Product: Credit card

This is a follow up email regarding my original complaint, # XXXX. On XXXX/XXXX/2016, I made an online payment to the wrong credit card company/a closed credit card account in the amount of {$3600.00}. JP Morgan Chase sent a check to the address on file, my former employer, the Federal Bureau of Investigation, which was received on XXXX/XXXX/2016. The check was to be forwarded to the FBI 's XXXX XXXX office in XXXX, XXXX, since I currently reside in XXXX. As of XXXX/XXXX/2016, I have not received the check, and the XXXX XXXX office of the FBI said they would have received it by now. Apparently, the FBI lost my check in their internal mail system. JP Morgan Chase advised they can reissue a check, but it will again be mailed to my previous employer. I have not worked at the FBI for almost 15 months and would like to know what other options there are for resolving this ongoing situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX hard inquiry XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ALL HARD INQUIRES has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied for the Paycheck Protection Program ( PPP ) back in Spring of 2021 through the XXXX website for {$19000.00} and my PPP loan number is XXXX. I did this with the knowledge that I had to apply for PPP Forgiveness within 10 months of me receiving this money. I have attempted various times to apply for PPP Forgiveness during that 10 month time frame by contacting Customers Bank via email which is XXXX and phone calls. Instead of being assisted, I have continuously been given the run around. 

Many of the Customers Bank customer service representatives have sent me numerous emails stating I should apply for forgiveness on my own through the SBA PPP Forgiveness portal. This has been the typical response every single time I have requested assistance in applying for PPP Forgiveness. When I attempt to apply for forgiveness in the SBA PPP portal, it states 'that my account is blocked by lender '. After speaking to an SBA PPP Forgiveness representative, I was informed that in order for me to apply for forgiveness, the lender has to lift the block out of the portal. Also I can not apply for PPP forgiveness through the different ways which includes through portal, directly, or through SBA Form 3508 unless the block is lifted. 

I have raised this issue to Customers Bank about removing the block that prevents me from applying for Forgiveness. I keep being told that I am not blocked and to continue attempting to apply for forgiveness through the SBA PPP portal. This still does not mean anything since I continue to be blocked from applying for forgiveness and am tired of this.

I only took this PPP loan because I was under the impression that I would be forgiven. I feel a sense of betrayal and dissatisfaction with all of this. I am even beginning to regret receiving this money because of the lack of assistance in this matter. The issue of me not applying for Forgiveness has hurt my ability to work because of the my constant need of meeting with my accountant in trying to resolve this matter. Also this has caused me tremendous stress knowing that I need to pay back my PPP because I can not afford to pay this. 

I kindly ask for CFPB to assist me in applying for forgiveness. Thank you.
Product: Mortgage

I filed bankruptcy. Bankruptcy was paid in full 6 months ago. Now my mortgage company says it did not cover the deficit. I do not know how. They well fargo got XXXX From a lawsuit from the bankruptcy. Now they are putting me on a payment plan. Which raises me up to a full 30 years. They are raising my intrest rate. Not offering me the tha plans that are out there. Loan number XXXX. What can I do or get done about this. They have already don illegal stuff as is. I am now getting somewhat reimbursed from a class action lawsuit.
Product: Credit reporting

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The account I am disputing is : XXXX Acct : XXXX Reported For : Transactions involving items or checks returned as uncollectable
Product: Credit reporting or other personal consumer reports

I sent several 609 dispute letters to XXXX, XXXX & Equifax contesting the validity of a bankruptcy and asked them to send physical proof that the bankruptcy court had verified the debt. All of them claimed it was valid without sending proof so I wrote them myself and have a letter confirming that in fact the credit reporting companies had NOT VERIFIED the debt with the court because the court does not report bankruptcy to the credit companies! I have a copy of this letter and I want it deleted immediately or I will sue for punitive damages!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account 's that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX is reporting old addresses that do not belong to me. I have contacted and they will not remove. I am a victim of fraud and there has been multiple things opened on my credit that does not belong to me under many different address. These accounts connected to addresses/names that are not mine need deleted immediately. They have FTC reports showing my filings.
Product: Mortgage

Payments for mortgage / loan are based on the average of the XXXX XXXX offered rates for six month US dollar. 
I am requesting reference and information how this loan is calculated from XX/XX/XXXX to XX/XX/XXXX I am requesting information how this loan is calculated from XXXX XXXX XXXX to XX/XX/XXXX. 
XXXX rates XX/XX/XXXX are 5.43000 % And on XXXX is 5.85951 %. 
Why I am charged 8.750 % now for next 6 months And for last six months 7.750 % Where Mr Cooper is obtaining information about rate for XXXX Please provide all explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Will Portfolio Recovery Associates , LLC remove the account from my credit reports after it has been resolved? 
Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately XXXX  days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report.
Product: Debt collection

I submitted a complaint pertaining to a student loan I did not take out. The loan has transferred through multiple companies in a short time and it is currently held by XXXX. The complaint was submitted on XX/XX/2023 and their response was due on XX/XX/2023. I have received no response, and I am still receiving billing statements saying that the first payment is due on XX/XX/2023. I have worked hard to achieve a good credit score, and I fear that not making a payment on this loan I did not take out is going to impact my credit score. I am also a XXXX XXXX XXXX XXXX, and having unresolved debts negatively impacts my ability to get hired. I have been trying for XXXX months to get this issue resolved with no response whatsoever by this company. 

Original complaint ID : XXXX
Product: Student loan

I graduated from XXXX school in XXXX with student loan debt of around XXXX. Shortly after, I received separate bills from many lenders. To make it easier, I consolidated them all with XXXX XXXX in XXXX, XXXX and enrolled into an ICR ( Income Contingent ) because I was a XXXX a making only XXXX a year. Several times they suggested that I go on financial hardship and defer my loans. XXXX XXXX did not tell me that the interest would accrue and be capitalized. Also, XXXX XXXX did not inform me that once you consolidate you ca n't ever refinance your loans - my interest rate is at 8.25 %. Finally in XXXX, I transferred my loans to Direct Student Loans hoping I could refinance at a lower rate and still was on the ICR payment plan. Direct Loans in turn sold it back to XXXX XXXX in XXXX and never got to refinance. During these years, I have been working in XXXX XXXX to make more money to pay off my loans. However, there is a high turnover rate and I am unemployed almost every 2 years. XXXX XXXX would put me on unemployment deferment over and over and again - the interest would accrue and capitalize without any explanation/counseling on how this works. From XXXX XXXX, my loans were under ICR plans both with XXXX XXXX and Direct Student Loans for a total of 16 years. Navient told me XXXX that during the years my loans were with Direct Loans they would not count those years for ICR. Also, those years while they were with XXXX XXXX - those ICR years do n't count either, because they said " Navient is a different entitity and XXXX XXXX no longer exists ''. Under ICR after 25 years my loans should be forgiven - where did my 16 years of payments on ICR go? XXXX, I was unemployed again. I called Navient and they suggested I changed to an IBR plan because he found no records on my ICR plan because, " XXXX XXXX no longer existed and they do n't have those records ''. This was a bait and switch because in my next statement my loans went up XXXX in one month. I called and they said it was because I switched plans ( which they suggested ) so the interest accrued and capitalized. My loans have ballooned from XXXX to almost XXXX and the repayment plan years for forgiveness have reset under IBR. At age XXXX and recently XXXX, I will never be able to pay them back and am again unemployed with no retirement or savings. I was the only one in my family to go to college, had no idea what I was doing with regards to student loans, and was never counseled or received loan education. Their predatory lending has ruined my life and am seeking full resolution for their deceptive practices.