23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/XXXX I was taken to the XXXX  at XXXXXXXX XXXX XXXXXXXX XXXX by my partner because I was having an XXXX  attack, where I couldn't breath or couldn't stop crying. When I got to the the XXXX they checked by vitals and I waited about 30 minutes to be seen by a nurse. I explained the symptoms and nurse stated I was having an XXXX  attack. She told me how I was feeling and I said I was feeling better just scared cause I didnt know why I was feeling this way. when they explain what it was I put it together, " my XXXX year old was diagnosed with XXXX. and has XXXX and XXXX. Her medication has gone from {$52.00} a month too {$230.00} a month. I have medical insurance thru work " XXXX '' I figured this is the hospital that my insurance company stated I can go to in case of an emergency so I told my partner ok take me. I haven't visited an XXXX in over 14 years and my understanding was my insurance should cover some of the charge. But when I received a bill in the mail late XXXX. My XXXX returned when I saw what the bill stated I owed for 30 minutes at the XXXX where they only checked my vidals and prescriped medication which my pharmacy insurance covered most of the charge. {$1600.00} later. How can I pay this when I live pay check to pay check. I only really use my medical insurance for my XXXX year old because I know how much is her medication and treatments. I keep getting daily calls from NPAS Solutions and also bills in the mail. I tried calling the XXXX see if they would work with me but the person that I spoke too was rude and didnt help me. Her words were if you use the XXXX service you have to pay for the XXXX  service. I dont believe this charge is correct. Not like they did any test that required equipment. This bill has me stressed out with all the medical bills I have for my XXXX year old. how can you assist me.
Product: Mortgage

Hello, I recently refinanced my mortgage and my new lender ( for the 2nd time ) is United Wholesale Mortgage. 

The last time I took out a mortgage with UWM, my online username was XXXX. I went to log in, and it says that I have no profile. Then, I tried to register, and it says my username is not available. 

Theh same applied to my spouse, the cosigner. Her username was XXXX. She can not log in nor can she register.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my uncle had sent 3 payments to my paypal account for my XXXX and XXXX treatments. Not even 1 minute later someone withdrew these funds so I notified paypal and they quickly put the funds back into my account from their own bank. Then after putting the money into my account they blocked my account and said i was no longer able to use PayPal again and my money would be held for 180 days then released. It is past that 180 days, i have contacted Paypal several times and they just say that they have no reason why i can not access my funds because it should have been released. I have told them I am expected to XXXX  less than XXXX month due to my XXXX XXXX being to far gone and they still say no one in the company can give me reason why they havent released my funds. Its like they are just waiting for me to XXXX. I need this money to help pay for my XXXX expenses. If there was an issue from the beginning they would not have used theirXXXX XXXX to return the funds to my account so I dont understand. I have emailed and phoned PayPal several times and they will nit explain it because they all say I should have these funds. Just keep waiting they say. I do not have time to keep waiting I do not know what to do Im sorry but this is difficult enough without fighting for the money that was sent to me to help keep me XXXX a little longer. I shouldnt have to be going through this. My family cant contact them because paypal refuses to speak to them so like I said i feel like they are just waiting for me to XXXX  and that is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review.
Product: Consumer Loan

I had a car loan with Lobel Financial and became 45 days behind. Since XXXX XXXX I received a total of XXXX calls between my husband and I cell and work phone .They constantly called back to back and when we did n't answer they would send and anonymous text message stating " please pick up the phone ''. They told my husband 's boss that he was stupid for not putting my husband on the line. When my husband questioned the lady that made the statement she simply said " I do n't care I do n't work there ''. They contacted all of my XXXX references informing them of personal information. Letting them know that we were 45 days behind on payment. They recent took the car which we are find with but when I asked what it would take to pick it up. They stated that I wwould have to pay XXXX. This included 2 monthly payments and a XXXX tow fee which does n't include the fee at the tow. The day that the care was picked up Lobel 's rep called my husband 's phone back to back with in 5 mins at least XXXX time because he kept sending her to voicemail. This collection practice that they have is not right and unethitical
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX XXXX am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through Transunion there were several fraudulent Inquiries There was an inquiry for XXXX XXXX on XXXX XXXX There was an inquiry for XXXX XXXX XXXX  on XX/XX/XXXX There was an inquiry for an XXXX XXXX XXXX/ XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX  XXXX XXXX credit card on XX/XX/XXXX There was an inquiry for XXXXXXXX XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX placed on XX/XX/XXXX Through XXXX there were also Fraudulent Inquiries made There was an inquiry for XXXX  Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX I am not one to check my credit often but when I did I noticed a lot of unauthorized inquiries that were not placed by me and this has caused my credit score to drop drastically in a short period of time, I do not want what someone else did affect my credit, Ive worked hard to get my credit score up only for someone to cause it to drop and its not fair to me
Product: Checking or savings account

wanted to open a sole proprietor business account so i went online to wells fargo and viewed what documents i needed. i also checked the XXXX XXXX county recorders office for how to aquire a XXXX. since i was using my full legal name in XXXX XXXX   name i was not required to file a XXXX with california. Also on wells fargos website their corporat policy states that if i was using my " full legal name '' in my company name that i was not reqquired to have a XXXX. My wife made the apointment, we went to the bank and was denied for that purpose. i called the bank and spoke to the business part and they checked with a supervisor and they stated i should have no problem opening one because that is there policy. we went back to the bankand spoke to the manager and she explained that the reason is because of the area we live in. that there is a lot of fraud. so i told her " so if i went to XXXX XXXX would i have a problem ''?? that was the explanation. so i XXXX  a complaint and someone took my information over a phone call. his name is XXXX XXXX. he was suppose to call me in 1 week but didnt. we complained again on XXXX and someone called me. her name is XXXX XXXX. she said XXXX sent me a email. i never recieved one. i calle dhim several times asking him to resend but no luck, i feel that we are being discriminated against for the area we live in, according to the bank manager. my wife and i did all our duedilegence to comly with what we need to start this XXXX. wells fargo either needs to change thir policy or uphold their policy.
Product: Credit reporting or other personal consumer reports

I had a collection account on my credit report that was not mine ( Portfolio Recovery ) and I paid the negotiated amount in which they agreed to delete it from my report and they have not.
Product: Student loan

Navient is stating that only some of my student loans are delinquent when there has been a federal hold on all student loan payments. I asked them to explain this and to send information and which all they stated was that these were unsubsidized there for needed to be paid. I asked for them to explain this because I have many more unsubsidized loans through Navient and they were not telling me that all of them were due only specific ones and they were not able to explain why and the difference between the loans only that I needed to pay. This has significantly impacted my credit score without a reason why this is happening. I have disputed with all 3 credit report companies, and they have stated the same, that they are staying with Navient 's report. I need someone to explain why I am being impacted financially when Navient has not been able to give me a reason, I have over {$120000.00} in student debt and Navient is only reporting {$40000.00} as not being paid, what about the rest? All of the student loans are direct subsidized and unsubsidized through the US Government, not private loans and there has been a 3 year hold.
Product: Debt collection

Diversified Consultants have threatened collection on an account I previously stated I would not pay to XXXX. Last winter I ordered a new phone from XXXX. I could not download anything from my old phone. The people in their service department told me to remove the old SIM card and put it in the new phone. That did not work which rendered my old phone useless. No calls could be sent or received. This went on for almost two weeks. I got nowhere with XXXX. I returned the new phone as it didnt work. I refuse to pay for something I could not use. Their trying to collect XXXX from me. They should also have a record of all the conversations I had with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Multiple accounts on my report that are not mine
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Update of Credit File Resolution of Collection Account Dear Experian, XXXX, and XXXX, I am writing to request an update to my credit file following the resolution of a dispute related to a collection account. On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding collection activities conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX ). My CFPB case number is XXXX. 

As of XX/XX/XXXX, XXXX has confirmed that they have ceased all collection activities related to this account and have taken measures to ensure no further communications. They have also submitted the matter to the original creditor for review. Please find attached copies of my CFPB complaint and the companys response for your reference. 

Given this resolution, I kindly request that you review and update my credit file to reflect the current status of the account. Specifically, I ask that any references to this collection account be either corrected or removed if no longer valid. Ensuring accurate information in my credit report is critical for maintaining my financial integrity. 

Documents Attached : Copy of CFPB complaint and case details. 
Copy of the companys response confirming resolution. 
A copy of my government-issued ID for verification purposes. 
A recent utility bill or bank statement as proof of address. 
Please confirm once these updates have been completed or notify me if you require any additional information to process this request. You may reach me by phone at [ your phone number ] or via email at [ your email address ]. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the requested updates. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Pay Pal made an unauthorized with drawl from my checking account.for {$760.00}. I contacted Pay Pal about the {$760.00} and ask who and why was this unauthorized done. Pay Pal said they take complaints in the order that PayPal get the complaint on XX/XX/2021 I call my bank to block Pay Pal from making any with drawls with out authorization from me.. The XXXX Police Department made an event report I changed my Pay Pal pass word and it worked. 
On XX/XX/2021 Pay Pal has blocked me from contacting Pay Pal or using Pay Pal services. 
I want an explanation from Pay Pal as to why this took place. I want my money [ {$760.00} ] returned to my checking account. I want to be able to see how much money is in my Pay Pal Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA ( fair credit reporting act ) XXXX Account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Broken lease that was placed on my credit report account with Equifax on XXXX XXXX, XXXX for collections in the amount of {$2400.00}, with / XXXX XXXX Original Creditor. This debt does not show scheduled date to be discontinue on my credit report and is treated as a new collection. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed XXXX XXXX Collection Buerau /XXXX {$2400.00} reported XXXX XXXX, XXXX,. I tried to contact XXXX XXXX XXXX In XXXX Az. I was told they went out of business in XXXX and were bought by XXXX XXXX per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX, The amount of the debt is incorrect first of all it reflects a different amount then the amount owed, second it states that there has been a payment on this account in the amount of {$40.00} XXXX XXXX, XXXX which I have not made or to my knowledge has anyone made on my behave. This debt was originally with another collection company and the company was sold so the debt was sold, the new company has recycled the debt and now there treating it like a new debt this is unlawful, this debt was scheduled to be removed from my credit in XXXX XXXX, I do n't feel its lawfully that a companies can just come in and keep buying debt and recycling and punching you for lives mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS AND INQUIRI TO XXXX XXXX CODE XXXX. BLOCK AND REMOVE THEM. PURSUANT TO XXXX XXXX CODE XXXX. THIS FTC REPORT XXXX ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PUJURY
Product: Mortgage

I WAS NOT AWARE OF A LUMP SUM OF XXXX THAT I HAVE TO PAY AT THE END OF THE LOAN. i REFINANCED WITH FAY SERVICES, THEY LOWERED MY INTEREST RATE. I NOW CAN AFFORD THE MORTAGE BUT WHEN CHECKING ON MY REDIT REPORT I FOUND OUT THAT I OWE THIS XXXX. WHAT SHOULD WE DO? MY HUSBAND IS NOW RETIRED AN WE NEED TO SELL THE HOUSE RELOCATE, WE WOULD HAVE TO DO A SHORT SALE TO BE ABLE TO SELL THE HOUSE, OWING THIS XXXX IT WOULD HAVE TO BE SOLD AT MUCH HIGHER PRICE, THERE WOULD BE NO BUYERS WILLING TO PAY THIS. A SHORT SALE WILL DAMAGE OUR CREDIT, WE HAVE WORKED VERY HARD ON IT BEING OVER 750. IT SEEMS AS IF THE MEDIFICATION SO CALLED HELP IS A SCAM. THE SEEM TO HELP NOW BUY PAY LATER THE INTEREST THAT WAS REDUCED AND IN ONE PAYMENT. SHADY BUSINESS. PLEASE HELP US RESOLVE THIS ISSUE
Product: Credit reporting, credit repair services, or other personal consumer reports

We decided to buy a fridge from XXXX 's and applied for a credit card. Got approved, purchased the fridge and the third party delivering the item did not want to deliver it in the house, for some reason. So, we told them to return it back to the store, which they did and we thought that was the end of our calamities with XXXX. The card was never charged and we never even received it, but soon I got an email that we owe the card company ( Synchrony-Lowes ) {$5.00} for something. We never received the statement so we did not know what the charge is for. A few weeks later we received another email that we now owe them {$12.00} which includes now a late fee and they reported it to the credit agency. Needled to say, our credit score went down. 
To add, I tried to pay XXXX XXXX bucks, just to avoid the headache, but I could not because we do not have a card and I stayed on the phone for hours. This is a legit scam and we got ripped from Lowes, from Synchrony, and got reported to XXXX. 
I hope you can do something about this. If you need more info, we will gladly send you the emails, because somebody needs to stip those guys
Product: Mortgage

My husband and I are currently trying to refinance our home. We originally had a mortgage from XXXX. The loan was sold to SPS Servcing in XXXX. We are unable to get the home refinanced due to a deferred interest balance that XXXX had put on our account. We do not recall having the loan remodified or payments deferred. The underwriter is asking for paperwork showing what this interest is for. 

I originally spoke to SPS XXXX  weeks ago to see if they had documentation from XXXX explaining the interest. I was told that this was something that was done by the previous lender and they only documentation they had were copies of statements. They said I would have to contact XXXX. I am sure you are aware that XXXX is out of business! There is no one we can talk to about this deferred interest! 

A week later I spoke with SPS again to see what paperwork was sent from XXXX when the mortgage was sold to them. I was told nothing was sent over from the previous lender. How can this be- where is all the paperwork! 

A few days later my mortgage officer from XXXX XXXX and I called SPS on a conference call to see if we couldn't get some sort of explanation! We found the individual from SPS to be nice but no very willing to do any research or look further to try and assist us! 

On Tuesday, XX/XX/XXXX I called SPS again to see if they had found anything. I was told by the individual who answered the phone that she found a document dated XXXX that showed the deferrment. She was going to send it to me. I did not receive it! 

Once again on Wednesday, XX/XX/XXXX my mortgage officer and I made a conference call to XXXX at SPS to see the status of the document that the individual from the XX/XX/XXXX call was going to send me. She informed us that according to their correspondance no request for a document was issued. 

We were on the phone with XXXX for about XXXX minutes asking and begging her to do further research and she replied that all she had were the papers in the files. She finally agreed to have the research department look at our file. She obviously was not willing to do anything further than read her file. 

My husband and I are between a rock and a hard place- we need to get our home refinanced ASAP. 

How can a company like XXXX sell a mortgage and not forward all the documentation to the new owner ( SPS )? 

Please help us. 

XXXX & XXXX XXXX
Product: Credit card or prepaid card

Credit karma has been offering credit cards and loans that say I am prequalified for and after filling out multiple forms and impacting my credit, I ultimately did not qualify for. Is this legal to be misled this way. Im trying to improve my credit and it just keeps taking hits
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ] TransUnion : [ XXXX ) [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me XXXX XXXX XXXX XXXX of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These accounts are XXXX XXXX XXXX XXXX