23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I borrowed {$500.00} initially as a cash advance. The loan documents provided at the time stated that I was to make XXXX payments of roughly {$120.00}. After all XXXX payments were made, I received a phone voicemail from customer service explaining that my account was currently in default and that I was overdue on a payment. I logged into my account online so that I could view my account 's status and noticed that it listed my account as in default. I immediately attempted to access the loan contract which I electronically signed through the website, but noticed that the documents were no longer available. I have previously accessed this loan agreement before. 

After seeing this default status, I made sure to check my bank account statement to verify that my final payment went through ; the charges were listed correctly on my bank statement. 

I immediately called customer service, and was immediately prompted by the representative on the phone that they were looking to acquire a payment for the defaulted account. I had explained my situation and then was put on hold for upwards of XXXX minutes. The representative returned to the line and told me that after physically looking at my account, all XXXX agreed payments had been made. She instructed me to call in XXXX days and that an accountant would have an answer for the system error on my account. 


I have n't been charged any excess monies, but my concern is that had I not known or not received a phone call, my credit would tank. I hate that I had to take this loan out in the first place, and can now feel for victims of these cash advance loans. They 're flooded with sketchy activity and high interest rates to dig their clients into a financial hole.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, Today Experian emailed me stating that there was a change on my credit, knowing that I have not touched any part of any credit anything I was extremely alarmed so I called the number Experian provided, the number they told me to call and the number just routes me to an automated service that sends me back to the website, after hours of trying to reach a live person to no avail I have emailed them up to 50 times with no response ... 

I have been VERY diligent about my score because I have been trying to buy a home so as you can see I would be VERY VERY on edge if something were to affect my credit. 

experian reached out with a number that will not allow me to do anything but go online THIS IS UNBELIEVABLE THIS IS HARRASSMENT THIS IS INSANE WHY DID THEY EMAIL ME A PHONE NUMBER THAT TELLS ME TO GO ONLINE AND WHEN I GO ONLINE THEY TELL ME TO CALL!!!!!!!!!!!!! 


I WANT ANSWERS - I WANT AN OFFICIAL COMPLAINT AND OFFICIAL ACCOUNTABLILTY EXPERIAN HAS TOTAL ABSOLUTE CONTROL OVER MY PERSONAL FINANCIAL WELL BEING AND THEY ARE ABSOLUTELY UNPROFESSIONAL, NOT AVAILABLE AND WREAKING HAVOC ON MY PERSONAL WELL BEING THIS WEEKEND BECAUSE WHO COULD RELAX OR HAVE ANY PEACE WHEN THEY SOLICIT YOU TO CALL THEM BECAUSE OF NEW ACTIVITY THAT IS DEROGATORY AND WHEN YOU CALL THEY TELL YOU TO GO ONLINE AND WHEN YOU GO ONLINE THEY TELL YOU TO CALL THEM???????!!!!!!!!!!!!!! 

WHAT THE XXXX XXXX?????? 
THIS IS PSYCHOLOGICAL WARFARE THIS IS CRAZY
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX ( Case XXXX ) I have been impacted by XXXX, ( ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I expect Trans Union to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. Trans Union received these materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Transaction : 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 Balance : {$23000.00} Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Trans Union to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent informatio.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX XXXX all three credit bureaus XXXX times now regarding the repeated charge-offs reporting on my account. 
I have also found more inaccurate and a violation of the FCRA on my report. According to the FCRA these companies violate these code below. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681c : Imposes limits on how long negative information can be reported ( e.g., 7 years for charge-offs ).

15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes.

15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA.

26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices.
Product: Mortgage

Servicer will not record loan modification documents with county clerk. Documents were executed on XXXX/XXXX/2015. I have told many times by the servicer the documents had been sent to county recorder on the same date ( XXXX/XXXX/2015 ). I have went to recorder 's office and called repeatedly, they have no record of receiving documents. Loan mod is not legal if not recorded. It has been over two months, there is no reason this should not have been completed in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Experian and XXXX XXXX and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to Experian and XXXX XXXX on four different occasions requesting an investigation for state public record listed to my report. I requested Experian and XXXX XXXX Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating " The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian and XXXX XXXX is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.
Product: Credit reporting or other personal consumer reports

1. In my previous complaints I was very specific about what happened, Amerisave transferred my mortgage on XXXX XXXX. 
2 My Forbearance the remainder of my forbearance was paid by XXXX to Ameri save on XXXX XXXX 3. Amerisave reported my mortgage 30 to 90 days late while I was in forbearance. 
4. Amerisave reported that I opened a new mortgage with hem, when in fact the same mortgage was just transferred from Amerisave to Amerisave. 
5. Amerisaves fraudulent, unprofessional, deceptive and illegal practices ' have caused great damage to my credit score by dropping it over XXXX points. 
6. Am I the only customer that requested a hurricane Milton forbearance? 
7. Why me? why the great maltreatment?, why the run around? Is there a greater deed behind it all?
Product: Credit reporting or other personal consumer reports

According to per usc 1681 I did not authorize the reporting offices. All XXXX major credit bureas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Unavailable DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX ) XXXX XXXX XXXX Unavailable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  Unavailable XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TN XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX  Unavailable XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX Unavailable XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I XXXX XXXX, hereby attest that the information provided is being submitted by myself and not by any other third party.
Product: Checking or savings account

I had unauthorized amounts taken out of my account from XXXX XXXX  when at the time I never really used XXXX XXXX. When I went into my XXXX XXXX account to check the history of purchases the said purchases were not in my history but were showing up in my bank account. Over XXXX XXXX from my account and XXXX XXXX my account holder ( my mother ) as well. When we reported it to our bank they closed our accounts and would not give us a reason why and said that we would have to meet with the local police regarding our account. This happened all during covid. So for about 3 years, since XXXX we had charges dating all the way back then and Capital one did not investigate, reimburse or dispute they just kicked us out. Come to find out they had a security breach years later and we were victims with no resolution or retribution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. Three companies ran my credit without my authorization. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes
Product: Bank account or service

I just opened an account threw Huntington bank am then I made a deposit an the same day they withdrawn {$190.00}. I called an they are trying to say I opened an account in 2013. An wrote a check that bounved. I never had an account at that time am never had a bank card or checks. So there is no way this could of happened I do n't no if someone has stolen my identity that is the only answer for this problem.
Product: Debt collection

Professional Placement Services , LLC Is reporting a debt as closed on my credit report. This debt was recently paid in full to the ORIGINAL CREDITOR in exchange for agreement to remove from XXXX XXXX report, and all three credit bureaus. Therefore Professional Placement Services , LLC should not be reporting anything to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy was Dismissed on XXXX XXXX. 
I dispute from Credit Bureau Since Last Year XX/XX/2020. 
Every time They Replied '' Verified '' They Verified whom don't tell. 
I did call Supreme Court XXXX New York Court Clark. 
They told me they did not verified because Case was Dismissed XXXX  Use 3rd Party to verified this account. 
This account must delete from my credit report.
Product: Debt collection

Recently, I received a call from Portfolio Recovery Associates for  debts from 10 years ago. Calls happen 5 to 8 times per month.
Product: Debt collection

Im being charged {$2800.00} from a collection company called NATIONAL CREDIT SYSTEMS. I do not know why I have a collection with them. I asked them to send me the original contract so I can understand where this debt comes from but when I try, they ignore me and verify my debt without giving me my request. This collection debt is on my experian and XXXX credit report.
Product: Mortgage

I notice after 2 years that when United Wholesale Mortgage Insurance bought my Mortgage did not continue to pay my previous insurance holder premium as was agreed when XXXX setup my insurance, autopay etc. I have paid more than XXXX dollars more in insurance premium in the last 2 years because of this. The worst is that when I wanted to correct this the insurance company did not wanted to honor my rate because of lapse in coverage. What can I do UWM hold my escrow? 

Also when I contacted them apparently after going into my account they deactivated my autopay that has been working for more than XXXX years without a problem. 


My only guess is customer targeting. I am now afraid that UWM will continue to make adjustments to earn more money from me. Never had a problem with a mortgage company. They are persecutting customers to get more money in from XXXX through insurance and late fees.
Product: Credit card or prepaid card

Chase Marriott Visa - Unbelievable - We went on vacation XXXX through XX/XX/XXXX in XXXX XXXX, XXXX property owned and operated by Marriott - When we checked out the hotel ( XX/XX/XXXX ) could not provide bill- Covid issues, etc..When we got home, they could not provide us itemized receipt- We were concerned as we had to move rooms in middle of stay and charges on credit card were multiple DAYS and very high, and included charges for days after we had left resort. We called chase challenged charges and were issued new cards, Chase spoke with US about the situation and Marriott did call me. However, we still do not have itemization that matches the charges they wished to charge to card! Then after 30-45 days, charges just showed up on the new chase card!!! Even after we cancelled our account because we thought there was some fraud on the card- WHEN WE CALLED CHASED THEY SAID THEY DID INVESTIGATION AND NOTIFIED US OF CHARGES GOING BACK ON ACCOUT-NOT TRUE- JUST SIMPLY A LIE.
Product: Mortgage

" Specialized Loan Servicing will not provide an accurate payoff letter. They have added forced placed insurance and late fess and additional principal to the payoff. 
They will not provide me a life of loan schedule for the loan. I was forced to make a payoff or lose my house. I have engaged and attorney ( XXXX XXXX ) from XXXX XXXX for Help. They refuse to talk to me and i have been extremely disappointed and this has caused undue stress of my marriage and health. My records indicated an accurate payoff of $ XXXX. They would not release my mortgage so i could sell the house unless i paid them $ XXXX. We had to come out of pocket for the costs. This loan has been purchased several times and all i am looking for is an accurate payoff that shows the principal for the life of the loan. I have been paying on this loan for in excess of 15 years
Product: Debt collection

After finding out that XXXX had been charging me for cable for almost two years I went into the XXXX store on XXXX XXXX to dispute the bill on more than one occasion. After speaking to a representative there they took a closer look into my account and saw where I had turned in the boxes in XXXX. However, they showed me that someone employed by XXXX had turned the cable service back on without my permission or authority to do so. As time went by I began to get calls from the attorney representing XXXX on or around XX/XX/2022. I told the attorney that I hadn't had cable for close to two years. He began to read to me that he seen where I terminated the service but it was resumed. I told him I never ask for cable because I have XXXX XXXX on all the T.V. 's in my apartment. So he had to further look into the descrepancy and we were in constant contact with each other via telephone. In XX/XX/2022 he and I had our last conversation but I had already decided to take XXXX to court for breach of contract. XXXX obviously decided to give the account to a collection agency after being served with court documentation for the suit. Now this collection agency Collection Bureau Hudson Valley took the account on or around XX/XX/2022. After checking my credit with XXXX I noticed they appeared on my credit report. I immediately sent court documentation in which XXXX and I were to appear in XXXX on XX/XX/2022, where the case was dismissed in my favor. Therefore, after reviewing my credit report on XXXX I disputed this on my credit report because the case was dismissed in its entirety and closed. I sent court documentation to XXXX to dispute this collection agency being owed any money from me at all. Now, this collection agency refuses to remove the collection from my credit report and the courts never stated to me that I owe any money to any other entity connected with XXXX at all. Therefore, if anyone owes any money to Collection Bureau Hudson Valley it's XXXX who gave them the account after being served to appear in court for " breach of contract ''. I want the collection agency to remove this negative status from my credit report immediately. Any money they believe they are owed should be billed to XXXX. The court closed this case completely and any debts XXXX felt they were owed from me.
Product: Mortgage

***CRIMINAL CONVERSION*** WIRE FRAUD*** EXTORTION*** EMBEZZLEMENT***MAIL FRAUD*** FAILURE TO FOLLOW THE RESPA *** FAKE CUSTOMER SERVICE*** RACKETEERING*** WE ARE THE VICTIMS OF LOAN FRAUD, IT STARTED WITH XXXX XXXX FAILING TO PROPERLY DISCLOSE THE HUD AND ESCROW DOCUMENTS, MISLEADING THE CONSUMER, WHEN WE BECAME AWARE THE EXTORTION, EMBEZZLEMENT AND RACKETEERING TOOK PLACE. XXXX XXXX AT XXXX XXXX AND XXXX XXXX, XXXX XXXX AND XXXX XXXX OF NATIONSTAR INTENTIONALLY, KNOWINGLY AND WILLFULLY TRIED TO NOT ONLY HIDE THE FACT THAT THIS LOAN IS FRAUDULENT, THEY WENT ON TO ADD FALSE AND ILLEGAL FEES AND EVEN FORECLOSED WITHOUT TELLING THE CONSUMER R MEETING FACE TO FACE AS REQUIRED WITH AN FHA LOAN ... INSTEAD THEY LIED ON THE PHONE AND IN WRITING IN AN ATTEMOT TO STEAL THE HOME FROM AN ELDERLY WIDOW. XXXX UPDATE ... XX/XX/17 ... WE TALKED TO THE PERSON THAT WRITE THIS FRAUDULENT LOAN AND THEY ARE WILLING TO TESTIFY AGAINST ALL OF THESE CRIMINALS THAT KNOWINGLY AND WILLINGLY VIOLATED STATE AND FEDERAL LAWS AND THE REAL ESTATE SETTLEMENT PROCEDURES ACT. WE HAVE ASKED FOR COPIES OF TAPE RECORDINGS FOR PROSECUTION AND ALSO THE IDENTITY OF THE SPINELESS, GUTLESS, CLUELESS AND SUPER CORRUPT SCUMBAG CRIMINAL ATTORNEYS ( SO WE CAN HAVE THEM DISBARRED FOR NUMEROUS, OBVIOUS VIOLATIONS ) AND THEY REFUSE TO COMPLY.
Product: Debt collection

I buy a device from XXXX. the device was a CAT phone and it came with software malfunction in that specific model of the device I bought. I asked to the store to help to solve the issue but they exchanged the device with a similar one what was defective as the main one. Because the bad customer care and service I decide to cancel the account and switch to another company, I paid the device in full because when they run my credit, the asked for a deposit, it was more then {$500.00} dollars, but the company alleged I own some money to close the account. I said take the phone back and thats it. But they prefer to send the account to collection and hurt my credit instead of try to solve the issue in good terms. Now they sell the account to a 3r party and they are harassing me not matter how many times I dispute the account with the 3 main credit bureaus.
Product: Money transfer, virtual currency, or money service

Sent via PayPal to another PayPal user {$21.00} and find out they are a scam.