23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2019 my sister, XXXX, started thinking about a Reverse Mortgage on her house that was paid off. 
From a friends referral, she had contacted a mortgage agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS # XXXX XXXX had contacted Ms. XXXX and made and appointment to meet. 
During the meeting, XXXX had stated to Ms. XXXX what she needed and MsXXXX XXXX said there would be no problem and it would be an easy process. XXXX is distraught from a close family members death and can not think straight. She does not understand business. Ms. XXXX should have noticed XXXX behavior and ceased the transaction without taking advantage of an elderly in this condition. Unfortunately, she proceeded to let XXXX know the procedure. XXXX was overwhelmed and told MsXXXX XXXX several times that she didnt understand. Ms. XXXX told XXXX it was easy. XXXX signs documents and thats about all. 
Ms. XXXX had the documents ready for XXXX to sign. Ms. XXXX sat with XXXX and kept turning documents over for XXXX signature. When XXXX had asked what one document meant, Ms. XXXX stated it doesnt matter. XXXX continued to sign without understanding. 
Now, because of Ms. XXXX actions, XXXX is in a Reverse Mortgage that she doesnt understand. She received {$5.00}, XXXX and was told that would be all the monies XXXX was to receive. She is also paying {$8200.00} and in an Adjustable Rate Mortgage that she did not understand. 
I went through the documents with XXXX, after I found out what she did, and asked her if she understood them. She said no. She said she felt bad after she signed and wished it hadnt have happened. I pulled out the three day right to recession and asked if she knew she had three days to cancel. She stated she had no idea what that was or she would have cancelled. 
I believe Ms. XXXX unprofessionally coerced XXXX into a situation that she was not capable of handling. 
Ms. XXXX 's profile page states : " Helping seniors understand and evaluate Reverse Mortgage products for a more secure retirement, can be both challenging and rewarding. But finding the right program may bring a wealth of opportunity and financial independence that might otherwise be impossible. '' Of which she did neither for XXXX.
Product: Credit reporting or other personal consumer reports

This is to inform all the concern parties that I noticed some unauthorized accounts on my credit report, I have been able to identify some account that i do not know nothing about on my credit report which surprised me because i believe my consumer report should be a fair reporting without inaccurate data, because unwanted and unauthorized violated my consumer rights. 

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

This is the 2nd complaint I am having to file against the bureaus, the delay and lack of responses is not acceptable to someone like who is trying to obtain business credit and start a business! I originally started disputing the derogatory items on my credit on XX/XX/XXXX. I have received ONE response from the bureaus in the 10 months I have been attempting to repair my credit ; I submitted another dispute on XX/XX/XXXX and again on XX/XX/XXXX which also included at that time my FIRST complaint with the CFPB. However, after another dispute on XX/XX/XXXX and XX/XX/XXXX, I've yet again received NO responses or communication from the bureaus and am now filing my SECOND complaint due to the lack of responses and communications from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage is not reporting my mortgage to credit bureaus. My credit report shows no mortgage loan. I have contacted them about this and no results..
Product: Credit reporting or other personal consumer reports

ACIMA sent me an email below email to me - I never applied with them. I dont even know them. I dont know XXXX  XXXX XXXX that they are talking below. 

At first I thought it was a spam email but I when i checked XXXX i found a SOFT inquiry. All my credit reporting accounts are already on FREEZE for several months now. I dont understand how ACIMA can just do a SOFT inquiry and approve a loan. 

This is a fraudulent practice by ACIMA. When i reached out to ACIMA, they are asking me to file a police report and send them the full police report. I do NOT want to send them the police report because it will have my SSN and other personal confidential details. 

I already worked with XXXX and had the SOFT inquiry removed. 

" you're approved to lease up to {$2700.00} * at XXXX XXXX  XXXX. 
Your lease approval is good until : XX/XX/year>. 
You're Almost There! 
Shop XXXX XXXX XXXX Choose eligible merchandise up to a total of {$2700.00} *. 
Your lease approval ID # is XXXX. 
"
Product: Credit reporting or other personal consumer reports

I have a few things on my credit report that are hurting my credit profile. These two accounts are both reporting on my credit profile and are a reflection of the same debt. I am concerned that this information was not verified because two different accounts can not be reporting in reflection of the same debt. Because of this error it is lowering my credit score, I am unable to get any loans at this time and my interest rates are through the roof. Exeter Finance XXXX XXXX XXXX. Exeter Finance is reflecting as a CLOSED/CHARGEDOFF account on all 3 credit bureau and reporting negatively on my credit report. These accounts should not be reporting if the debt has been closed/charged off.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that the account listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure this account is removed from my credit report immediately to mitigate the impact of this breach. 
Account to be blocked and deleted : XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/year> - {$1900.00}
Product: Debt collection

I received a summons from XXXX the attorney for Express Recovery Services in regards to an outstanding medical debt of {$77.00}. The summons stated that with collection and attorney fees, I owed {$350.00}. When I called the office of XXXX today, XX/XX/2017, to discuss settling the matter prior to judgment, I was told by XXXX that to halt the judgment the full balance had to be paid today. The amount XXXX said had to be paid to halt the judgment was over {$400.00}. I was driving at the time so was unable to write down the exact amount but the amount he said would be required to halt the judgment was well over the amount listed in the summons. I stated that amount was more than 4 times the amount of the outstanding medical debt. I asked if the amount could be settled on and was told no. XXXX also stated that payment had to be made today to halt judgment. I stated that I would n't be able to remit payment until the XXXX and XXXX told me that if payment was n't made today the judgment would be submitted. I again stated that I would n't be able to remit payment for 2 weeks, and asked if he was unable to accept the arrangement if that was n't someone there who could. I was placed on hold and when XXXX returned he stated that he could n't accept an arrangement because I 'd refused information on the call. When I stated that I had n't refused to provide anything I 'd simply stated what my intention of calling was when he 'd answered the call 5 minutes prior. I stated that if he 's telling me that I ca n't work out a payment arrangement because of a question he 'd asked over 5 minutes ago that seemed pretty catty. I told him that if additional information is required to work out an arrangement is required, then I can simply provide that information. XXXX stated that this call was n't going anywhere and disconnected the call. I called back and asked to speak to someone else where I was transferred to someone 's voicemail, and have yet to receive a returned phone call. The amount that XXXX demanded to halt legal action was inconsistent with the amount listed on the summons and legal action was threatened if that amount was n't paid in full today. This is deceptive and abusive.
Product: Credit card

On XX/XX/XXXX a thief bought some food from XXXXXXXX XXXX using my Capital One card online. 

In XX/XX/XXXX the chip wouldn't work. I asked for a new card with the same numbers. They sent me one, that I received in XX/XX/XXXX. 

I put the old card in my desk drawer. I put the new card in my purse. 
I was not able to use the old card because the chip wasn't working. 
Capital One told me the old card was physically used to buy the food. 
IMPOSSIBLE!!!!! 
The chip doesn't work on the old card. Capital One verified that when they sent me a new card that I used in XX/XX/XXXX. 

The fraudulent purchase was made on XX/XX/XXXX. Capital One claims it was made with the old card whose chip doesn't work, but they insist the old card was used at XXXX. 

I told them I hadn't gone out that entire week. It was too cold and I did not go out on XX/XX/XXXX. 
What they're saying makes no sense at all. None. 

They are calling me a liar and a thief. 

I told them I live alone, I'm XXXX, I have no husband and no boyfriend, no one is in my home but me, so no one I know could use my old card. Again, Impossible. 

The supervisor said she is standing by her team. How can she do that when I asked her, " How can I use a card whose chip doesn't work? '' She said she didn't know, but she insists on calling me a liar and a thief.
Product: Credit card or prepaid card

I made a purchase XX/XX/XXXX and did not receive a billing statement ( by mail or email ). I was told that I was enrolled in eBilling but I dont receive the bill. XXXX XX/XX/XXXX I made a purchase and after again not receiving a bill and XXXX coming to an end, I called over the weekend and the automated system said that a bill was mailed on XX/XX/XXXX a payment due XX/XX/XXXX. XX/XX/XXXX Comenity increased my min payment due by {$7.00} without notice and my account was set up with bill pay through my bank because at the time Comenity did not allow auto-pay. Because of the lack of notice I was charged late fees for being {$5.00} short on my payment. The website constantly experiencing issues and statement archives are not available as stated. Comenity is constantly changing its terms without notice ( and making false claims that it did without any evidence of notice ), and and not sending statements. Comenity unethical practices lead to increased fees to its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has continued to report fraudulent information on my credit reports. I have disputed this information several times and corrections were made. However XXXX XXXX XXXX  continues to report fraudulent information over and over. The account has been closed and written off for many months. However XXXX XXXX XXXX continues to increase the balance and even know there is no payments due XXXX XXXX XXXX reports missed and late payments every month and increases the balance. I have a letter from an attorney who represents ford that tells me do not send payments to XXXX XXXX XXXX. So if the account is closed and charged off, written off and it shows no payment is due. How can XXXX XXXX XXXX continuously report that my payment is late and how does the balance increase on a closed account.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, all charge-off accounts from AFFIRM INC have 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 also states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize anyone employed by these companies to open any accounts. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

I need these accounts removed from my credit report immediately : AFFIRM INC / Opened XX/XX/2023 / Original Balance of {$1500.00} AFFIRM INC / Opened XX/XX/2023 / Original Balance of {$4600.00}
Product: Student loan

On XX/XX/23, MOHELA messaged and stated that my account was going into administrative forbearance for the period XXXX. They then reneged on this action. 

Not only was the forbearance not requested or approved by myself, the decision to end this forbearance was not conveyed in a timely manner. The flip-flopping nature of MOHELA 's loan administration has put strain on me financially. 

Indeed, I had planned for payments to resume, then was told they would not when the forbearance was issued ( without consent. ) Now that I find the forbearance has ended suddenly ( without notice, ) I'm liable once more and the money has been budgeted elsewhere.
Product: Mortgage

I am with Select Potfolio Servicing and I was 2 payments behbnd.I thougt ii was on a repayment plan but they said I was on a tiall modification, ye ii never applid for one! but the modificatinis is more than my normal payments. 
Also due tomy XXXX and the mortgage increase i can no longer afford my gas bill so i have noheat nor hot water.My home is in a rural moutsin area whee it snows!
Product: Checking or savings account

Im Trying To Open Up A Account Now The Other Accounts Was Opened Up As Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Unauthrized Inquiry on my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not filed by Credit Repair Company and this is not a DUPLICATE report. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX  XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 7. Account Name : XXXX Account # XXXX
Product: Credit card

On XXXX XXXX got a charge back from chime in the amount of {$1300.00}. I didnt know anything about this chargeback until i went to XXXX to rent another car. This was XX/XX/24 when I first called chime abiut this chargeback. The then filed a dispute, I dont know what because they had already sent the money back to chime. 

Chime said they never sent the chargeback and that they have already paid this transaction. I need help find out where this money is because enterprise is states that it was sent back on XXXX to a closed card ending XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, rights of privacy has been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Intent to file lawsuit, no response for Validation documentation. 


Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor Sears. I have received no response from them and/or no proof to validate their claim. 

They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor Sears. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 


Sincerely
Product: Debt collection

XXXX XXXX XXXX XXXX said i owe XXXX this is more than the debt i actually owe, they refuse to take my lump sum payment. i can not afford to pay this, i told them this. they said i could pay off XXXX if i did XXXX today and then XXXX in a week .... she then did not tell me it was for the FULL BALANCE, i was mislead and lied to
Product: Credit reporting or other personal consumer reports

I have asked the credit bureaus to investigate several accounts that are reported in my name, and I have not had a solution. I sent a certified letter printed with ID, the information reported in my credit is inaccurate, incorrect. I requested the deletion of this account and received a response. I demand that these accounts be removed since they are affecting my ability to grow and obtain credit. The response from the credit bureau is incorrect, I did not obtain proof that these accounts belong to me. I ask you to please help me to be able to delete these accounts.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.
Product: Debt collection

Today I was contacted by XXXX XXXX XXXX XXXX XXXX in an attempt to collect what I thought to be a consecutive payment of {$50.00} in a rehabilitation program. I spoke with XXXX XXXX, whom Ive only been in contact with since they began contacting me in XX/XX/XXXX. He called me for the payment and never disclosed not once that failure of my payment last month would automatically enroll me to an completely new rehabilitation program until AFTER he had already received the authorization to debit my account the {$50.00}. He then stated that I would have an additional 7-9 more additional payments since I had not made a payment for the month of XX/XX/XXXX and that he would attempt to change my due date to accommodate the two previous months so that they would count towards the now NEW rehabilitation program. I asked to speak with a supervisor about an exception, he stated a supervisor would not be able to grant me any leniency and refused to escalate my call any further. I feel as though this tactic was disingenuous and also misleading since I was not told at any point during the call that failure of the payment from XXXX would now enroll me in an altogether new contract.
Product: Debt collection

No action was taken no one wanted to work with me on a payment arrangements even when some of these accounts on my records were made by someone else I even know that one person that used my name for something is deceased but I have no proof so nothing can be done so I’m stuck
Product: Credit card or prepaid card

My Triple A credit card was transferred from XXXX XXXX XXXXXXXX to Comenity Bank in XXXX. I pay this card balance in full every month using my checking account bill pay option. The full payment was made in XXXX and the only change to the payment for XXXX was the amount. The XXXX payment was due on XX/XX/XXXX, the electronic transfer was made by my bank on XX/XX/XXXX and according to my bank, was received by Comenity on XX/XX/XXXX ( the due date of the bill ) in the amount of {$2200.00}. Comenity has not applied the payment to my account and I have sent several messages referencing making payments thru their website despite my explaining repeatedly that it was a billpay thru my checking account. On XX/XX/XXXX I spoke with an agent ( XXXX XXXX and she stated that I would not be penalized or charged interest on the balance. 

I requested a stop payment on the payment thru my checking account and they provided documentation that my payment was made and received. I submitted the documentation to Comenity. My next statement included a finance charge of {$84.00}. More requests wee submitted thru Comenity 's online communication system to remove the charge, credit the payment and correct the rewards that have stopped accumulating. Comenity 's response was that they were not " able '' to remove the finance charges as they are " correct '' because the bill wasn't paid in full the prior month. They stated they were 'investigating ' the payment and it would take XXXX days. So I have to pay an interest charge because they failed to process a payment correctly. I have to pay the balance again to avoid finance charges for a second month ( and a third ). 

None of these problems occurred with XXXX XXXX XXXXXXXX. When Commenity took over the account, they didn't send a bill, but sent an e-mail stating to make sure payments were made on time since they changed the due date. Their website is frequently down, so getting the payment information without a paper bill was a challenge. Their responses are obviously 'canned ' responses and the person handling their customer service demonstrates a lack of interest in actually resolving the issue. I spoke with XXXX on XX/XX/XXXX and she made her annoyance with dealing with my call obvious. 

I am seeking the correct application of my payment, retroactively posted to the due date. The removal of the interest charges. I would like these adjustments made in a timely manner so I can pay the actual amount due for the next statement billing date and not pay for the previous payment again and paying the interest. At least suspend those charges until the investigation into the payment is completed. 

After several attempts to send an online communication and having their website down, I looked to XXXX to reach them and found that most of the comments were very similar to mine. That the transition from XXXX XXXX XXXXXXXX was a disaster, that Comenity does not apply payments correctly or promptly, that their website is dysfunctional, and that their customer service agents are not helpful. 

Thank you for your time and attention and any assistance you can offer.