23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I were lied to yesterday XX/XX/XXXX by XXXX  at XXXX XXXX XXXX eastern time and are an very unfair process and according to the games they play my outstanding 19 years of missing benefits hidden by them will never entered into the needed accounts XXXX, XXXX, XXXX and XXXX because they for the longest make the decision themselves without my authorization to block my accounts which blocks any benefits from elsewhere a chance to enter the accounts and effect my credit score and they are embarrassing me by repeated over and over you have XXXX cents in your account XXXX they I finally got them to unblock. I ask to send code finally they did and ask to speak to supervisor XXXX refused to open all my accounts and indicated the other four are closed. I told her no they are not closed because i can enter my account ending XXXX and tells me the other four accounts are at XXXX dollars and that based on that response they are not closed but she denied me. I filed several complaints against XXXX that she lied and i wish to have all my accounts open and later i spoke to XXXX whom documented my complaint very helpful about missing funds and agreed with me that the account is not closed. They are also effecting my credit score by holding back my benefits and forced my bank account first state bank XXXX into the negative and also harms my credit.
Product: Debt collection

Resurgent Capital Services doing business by other alias ' such as LVNV Funding LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PYOD XXXX, XXXX XXXX XXXX, Resurgent Capital Services XXXX and XXXX XXXX XXXX continue to send me mailings on an account that is not mine. I have submitted a debt validation request to LVNV Funding and Resurgent Capital Services within the 30 days upon receipt of the notification. I have yet to see any of this documentation and continue to receive mailers. On XXXX XXXX, 2016, I contacted XXXX XXXX Bank and spoke with XXXX XXXX who verified that my previous account with them was in good standing. I would like the mailers to stop being sent to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Discover Bank ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Discover Bank is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Product: Credit card

Synchrony Bank has both harassed and disrupted my business for over 3 hours this week. Synchrony Bank has placed a hold on a credit card associated with Visa and a major department store with no reasonable justification. Tonight, I presented myself with a photo ID and the credit card at a department store branch and Synchrony still refused to comply in explaining or releasing the hold on my account. Customer service at two of these department stores located in close proximity of one another shared that Synchrony was inconveniencing many customers this past weekend. Synchrony has cost me the ability to purchase items with earned rewards, promotions and credits. Please fine them for their poor business relationships and actions against customers.
Product: Credit card or prepaid card

I have a total of 4 charges dated XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 from XXXX that were processed on my paypal account. I disputed them and paypal just closed my claim without investigating them. XXXX has confirmed they're fraud transactions but paypal refuses to provide any way for an appeal to be submitted. They need to do a better job at actually investigating charges before immediately denying claims. I will sue them if I dont get my money back.
Product: Student loan

I can not find contact information on Navient 's website. One page leads to another, leads to another and no fax or email information. 

I can XXXX a phone number but why can't things be done online nowadays!
Product: Debt collection

On XXXX XXXX I called to cancel my XXXX home delivery. Since that date, I have called 10 times in an attempt to bring closure to this nightmare. I was told on 3 different dates to put my 4 bottles of water out for pick up.  I was told XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Even the supervisor I spoke with XXXX XXXX XXXX on XXXX/XXXX/XXXX told me the bottles would be picked up. Today XXXX/XXXX/XXXX I was told by XXXX at Collection Bureau of America that no one picks up the bottles. You, the customer, have to drop them off. After being told by 4 different people on 4 different dates that the water would be picked up. 

On XXXX/XXXX/XXXX I spoke with a supervisor named XXXX. Per XXXX, I had a final bill balance of XXXX ( {$.00} ). He said he would email me on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX with the date the water bottles would be picked. I never heard from him. 

So, here we are 7 months later & my account has gone to a Collection Agency. Why? What are these charges for? I paid my final bill of {$29.00} On XXXX/XXXX/XXXX for delivery on XXXX/XXXX/XXXX of 3 - 3 gallons of water.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX, Transunion XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In fact they ARE NOT even in compliance with metro 2 credit reporting. I do have evidence to prove and bring forward to prove my case.
Product: Credit reporting or other personal consumer reports

I applied for a business loan to expand my business. To my knowledge all the only account I had was a student loan account which was forgiven. Every time I go to take out a loan to build my credit I am denied. I was told by potential loan officers that the reasons for the denial are Derogatory information obtained from a credit report agency such as 3 major credit bureaus ( XXXX. XXXX and TransUnion ). This kind of derogatory information are hindering my business mobility.
Product: Debt collection

I noticed there was a debt on my credit report and contacted Cavalry Portfolio Services. I received a call back from a place called XXXX XXXX who said they collect for the debt collector Cavalry. 
Through various communications and letters the amount given ( what they said they purchased & I owe ) changed 3 times. I spoke to several people and was offered a settlement around {$700.00} to close the account & remove from my credit report in which I agreed to just make this go away. Several times I spoke to a lady named XXXX. 
Each time I contacted them I gave them my PO Box as I never received any mail from them with this so called agreement they were sending. On one occasion I spoke to a lady asking when this agreement would be sent and was told it was in my best interest to go ahead and pay it today before it became a charge off and was on my report for 7 years. 
On XX/XX/XXXX I tried to get a loan for a house and was notified about this open account from Cavalry ( I had forgotten about ) and tried calling them again. On the third attempt I got a guy on the phone who was very rude and shut me down telling me he wouldn't talk to me and I should contact their lawyer at XXXX. 
XX/XX/XXXX I contacted the law office and spoke to a very friendly lady whom discussed the issue and then contacted Cavalry about a settlement on the account. Cavalry again changed the amount and told her nothing less than {$800.00}. 
The customer service at Cavalry is beyond horrible.
Product: Prepaid card

I purchased 13 virtual prepaid cards ranging from $ XXXX {$250.00} per card that came with codes to access the cards, upon attempting to redeem the codes via the company website I received errors for each of the codes. The company has been unhelpful in replacing the faulty codes or refunding me for the transactions. I've exhausted efforts to resolve with them directly. I've attached a file that includes each code and the respective errors I received, I also attached my proof of purchase for each card listed and a screenshot example of the error the website shows when trying to redeem. 

See codes below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have sent in copies of police reports and FTC reports. Stating and proving I was a victim of fraud. The account was opened in my name using my social and drivers license.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$420.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6100.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$420.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$850.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following accounts deleted as soon as possible : XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, RI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

The cliff note version of what happened is that when I started the loan process, the one thing that I said was that the loan had to close by XX/XX/XXXX. I was told IN WRITING on XX/XX/XXXX that the loan amount would be {$630000.00}, the rate would be 3.75 % IO, the payment would be {$1900.00} and " the loan would take 3 weeks to close ''. ( Written documentation was provided several times ) This was reiterated on XX/XX/XXXX when I was told IN WRITING that " the loan would take around 30 days to finish. '' ( Again, written documentation was provided. ) From that point on, I performed - I did everything Union Bank asked me to do. And yet the loan ( inexplicably ) took more than 120 days to close!!!!! And when it did close, despite the fact that I was told numerous times during the process that there was no rush to lock the rate because the rates don't move much on this type of loan, the loan amount did change to {$640000.00}, the interest rate changed to 4 % ( originally they quoted 4.25 % but they lowered it to 4 % ) and the payment changed {$2100.00}. : - ( The only explanation I was given from Union Bank as to why there has been a more than THREE MONTHS long delay is that underwriting was backed up.??? This delay cost me more than {$3600.00} ( if the loan had closed on time ( before XX/XX/XXXX ), I would have paid approx. $ 2700+ in mortgage payments in XXXX and XXXX but because the loan did not close on time, I had to pay $ 4500+ in XXXX and XXXX!! ) + {$4600.00} increased loan amount and will cost me approx. $ XXXX/month in payments going forward ( $ XXXX ). Not to mention all the unnecessary stress!!!!! The facts are Union Bank set improper expectations and then mismanaged the timeline of my loan. As far as I know, my situation was elevated several times from XX/XX/XXXX - mid/late XXXX so there were plenty of chances for senior management at Union Bank to acknowledge/apologize for the improper expectations ( that they set ), reset expectations and then manage the timeline accordingly. ( Honestly, had they done that, we probably wouldn't be here today. ) But they never did that. They completely bullied me - they tried to blame me for stuff that happened prior to XX/XX/XXXX ( which is irrelevant since it was on XX/XX/XXXX that I was told IN WRITING that " the loan would take 3 weeks to close '' ), they brought up things that were not an issue during the process but then became convenient excuses after the fact, they brought up things that never happened, they made factually incorrect statements, etc. And they suggested that waiving a {$550.00} application fee and the 4 % loan ( still up from any # I had been quoted during the process ) was fair compensation. Considering the delay caused by Union Bank caused me more than {$8200.00} ( more than {$3600.00} in mortgage payments plu {$4600.00} in increased loan amount ) and will cost me $ XXXX/month going forward, I do not agree!!!
Product: Mortgage

We used Better Mortgage to purchase our home that closed on XX/XX/year>. On XX/XX/XXXX, after receiving the XXXX loan package request from Better Mortgage to sign, I asked their agent XXXX XXXX whether or not the XXXX package containing our personal data with be shared with XXXX XXXX XXXX. I requested her to limit the exposure of our personal data and redact some data. On XX/XX/XXXX, XXXX said her closing team confirmed only the XXXX XXXX  will be shared with XXXX XXXX  XXXX XXXX XXXX form of XXXX XXXX XXXX containing our SSNs that need to be wet signed at closing table. See email communication in attachment # XXXX. We were okay with the answer then proceeded with the closing. 

During the XXXX XXXX on XX/XX/XXXX, I sent a message to Betters closing team using their XXXX XXXX but it indicated the message was shared with XXXX XXXX. I then asked XXXX if our personal data were breached. She replied and confirmed again that only the XXXX XXXX  was shared with XXXX. See email communication in attachment # XXXX. 

A month later, we found out that XXXX XXXX had posted all closing documents onto our customer portal, XXXX of which is the XXXX package containing our non-public personal data including mine and my wifes FULL SSNs, Birthdays, Bank Account numbers, Employment and Salary information. I wrote to Better Mortgage on XX/XX/XXXX to express our concerns. It took them over XXXX weeks to respond and again they denied there were no data breach and that the XXXX package was NOT shared with XXXX XXXX. See email communication in attachment # XXXX. XXXX XXXX XXXX responded with the following comments : Although the XXXXXXXX  and XXXX XXXX XXXX are available in the XXXX portal, records do not support that the settlement agent accessed the XXXX XXXX 

Attachments # XXXX through # XXXX are proofs from XXXX Title showing Better Mortgage sent them Specific Closing Instructions and link to download both the XXXX AND XXXX packages. Attachment # XXXX shows they enclosed our FULL Loan Application, forms XXXX and XXXX which are all part of the XXXX package containing our XXXX data. They instructed XXXX to scan and uploaded the entire loan packages onto XXXX XXXX in order to fund the closing. 

Better Mortgage lied to us on XXXX separate occasions about mishandling our XXXX  data. They deceived us into continuing the loan process by telling us they wont share our XXXX data with XXXX XXXX but they did. With their continuous dishonesty, we are very concern whether Better had shared or sold our XXXX data to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent out several letters to all three of the credit bureaus letting them know that a lot of the information they are reporting on my consumer credit report is inaccurate. Such as XXXX has my mother 's name in place of my name and for allis have my correct name in place of that. Also, XXXX, Equifax, and XXXX have closed accounts and payment history on closed accounts in which I've attached with this complaint. all listed in my consumer credit report. I have sent copies of my Driver 's License with current address listed on it. I've sent copies of my social security card and bank statement that fell on blind eyes. All three of these credit bureaus sent me stall tactic letters and postcard letting me know that I didn't send them any proof of my identity and wants me to re-send the information to give them more time. Every time I send in the requested information in, either XXXX doesn't respond back to me and when they do, it's way past the 45 days with again, send them proof of my identity. This is a bunch of XXXX and they know it. I have signed United States Postal Signatures from XXXX, Equifax and XXXX that they did receive my disputed letters with proof of my Identity attached to the letters. I'm really surprised by Equifax because I sued them back in XX/XX/2018 and won by default. I'm not willing to go through this sending back and forth for something I've sent time and time again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX XXXX was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i , which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00}
Product: Vehicle loan or lease

I purchased a new XXXXXX/XX/XXXXXXXX XXXX at XXXX XXXX XXXX Oregon location with my spouse in the month of XXXX, XXXX. At as the time of purchased we legally signed a contract that stated customer Acknowledgement letter XXXX No Payment for up to 5 months .This is interpreted to Hyundai finance deferring my payment for 3 months, No Payment for 3 months, and Hyundais finance going to credit and pay car finance account up to {$1.00}, XXXX. The {$1000.00} would cover the car payment for the duration of XXXX subsequent months. The contract is for 72 months at the rate of {$480.00}. So technically, we not suppose to make any car payment until the month of XXXX. 

As at today, XX/XX/XXXX my account is still showing outstanding payment, which prove that Hyundai finance are not holding to their part agreement and signed contract. The payment due date is XX/XX/XXXX. I have contacted hyundai finance and XXXX XXXX dealership several times, while they keep pushing me around with different excuses at every single time. 

I would appreciate if this is throughly investigated and adequately ask Hyundai finance to hold to the end of their proposed deal. This have caused emotional trauma for me and my spouse.
Product: Debt collection

Hi my name is XXXX I have debt thats from 10 years ago from a bank and I keep receiving calls as well as all my family threatening me to take me to court and even arrest me if I dont pay amount in full by certain day. The person calling me claimed to be an attorney after first answering the phone saying he was the person all the mail got back to, so Im worried and uncomfortable with this situation. The number to the people threatening me is ( XXXX ) XXXX-XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXXXXXX 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
Product: Student loan

The student loan is predatory ... Paperwork indicates a $ XXXX loan with a balance due of $ XXXX ... loan was quickly sent to collections with missed payment and the harassment and threat of lawsuit has ensued ever since ... they threatened family members into making payments for years WHO had no association with the loan ... I was not aware collection was taken from other people ... paperwork is attached with record of this and the harassment continues. My co-signer has passed away and other people are being contacted as well as calls through the day when I have provided a best time to call.