23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Last year on XXXX XX/XX/XXXX I lost my job and was unemployed. I applied with Ulta/Comenity bank to get put into a hardship program. I was told that I was eligible and they would put me into this program. However, there have been multiple issues. 

I received a phone call XXXX XX/XX/XXXX stating I had missed a payment which was incorrect. When I called back I was told by their rep XXXX XXXX XXXX that for some reason the hardship program had not been entered correctly and was supposed to be good through the end of XX/XX/XXXX and I would have find ways for payment in XX/XX/XXXX. This was supposed to have been fixed when I spoke with this rep that same day XX/XX/XXXX. 

However, I received yet another missed payment notice on XX/XX/XXXX and had to call yet again. Spoke to an extremely rude rep named XXXX who transferred me to a supervisor XXXX who stated this had not been fixed previously and she would have to have it corrected. This is the second time I was told this was fixed under complaint # XXXX Yet again, I have received more calls from their corporate office about more missed payments after I was told two or three times at this point that this was handled. I am beyond tired of being harassed and the hardship program is not helping with my balance either. The balance still continues to go up. I am never going to be able to pay this off and I feel I am owed a substantial discount due to emotional and mental stress this has caused and the numerous issues I have had.
Product: Credit reporting or other personal consumer reports

There appear to be mistakes on my credit report, particularly late payments, that dont reflect my actual payment behavior. Please address and resolve these.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove the inquiries that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Debt collection

SKO Brenner is reporting a debt that was charged off by XXXX XXXX in 2009 on my report in violation of FCRA.
Product: Credit reporting

I have never had a XXXX before, but for some reason there is XXXX showing on my credit report and it is past due. This is fraud and not mine. This has caused my score to go down a lot and has prevented me from getting a job. 
This needs to be removed ASAP and investigated. Thank You
Product: Credit card or prepaid card

Hi, This is in regards to my Comenity Bank XXXX XXXX Credit Card. They closed my account in XXXX without telling me because of inactivity but I had made several large purchases on the account between XXXX of about XXXX. These charges went through and I paid them in full. I received statements that I paid through XXXX. I only used the card to make these purchases to earn rewards. I had accumulated {$800.00} in rewards. When I tried to retrieve the rewards I was told that my account was shut down and there was nothing I could do. I have been escalating this within the company with several employees with no resolution since end of XXXX XXXX. Ive been repeatedly blown off. I just received another message via twitter that they have my dispute and it could be another 60-90 days to make a decision. This is unacceptable.
Product: Debt collection

They violated the HIPPA I did not authorize XXXX authorization to disclose my medical condition to any one. This debt should be removed from my credit bureau 's immediately.
Product: Student loan

I made two separate requests for a refund for payments voluntarily made during the COVID-19 forbearance, one with XXXX and then another with Mohela ( when I was told there was no record of a XXXX request ). When I followed up through email, I was told there was a refund to be processed due to PSLF discharge. However both requests were made much prior to discharge. I would like to make a complaint about this situation.
Product: Debt collection

I recieved a call today XXXX  XX/XX/2023 at XXXX. I politely requested multiple times prior and attempted to make the request again that this company, portfolio recovery associates, not call me on XXXX, before XXXX or after XXXX. They have not followed this request, and this time the employee went further and began to mock my request, at one point telling me " well I do work on sunday '' and that he can't and won't take my request because I wouldn't answer his questions he was asking. I asked for his name and employee ID and I am faily sure he gave me a false name and ID the name and ID given was XXXX XXXX employee ID : XXXX.
Product: Debt collection

I filed a complaint ( complaint id : XXXX ) on XX/XX/year>. PORTFOLIO RECOVERY ASSOCIATES LLC responded on XX/XX/year> below is the response : Portfolio Recovery Associates , LLC ( PRA ) investigated the complaint. We closed the PRA account ending in XXXX, ceased all communications regarding collection of the PRA account unless otherwise permitted or required by applicable law, and requested that the consumer reporting agencies remove our tradeline for the account from their consumer reports. Thank you for bringing this matter to our attention. PRA takes compliance with all applicable state and federal laws very seriously. We regret the inconvenience and have verified that appropriate actions are being taken to resolve the matter. We believe that no further steps in response to the complaint or follow-up actions are required at this time. 

I also file a complaint ( complaint id XXXX ) on XX/XX/year>. XXXX XXXX  responded on XX/XX/year>. 

Below is the response : Response resolution has been attached for viewing. Researched consumer 's inquiry. Fraud investigation completed. Concluded fraud claim in consumer 's favor. Recalled account from third party vendor; sent communication letter ; copy enclosed. Provided Credit Bureau contact information and process for fraud alert process. Provided a direct name and contact number to consumer. 

Both companies confirmed that this is fraud. For that matter, I request that PORTFOLIO RECOVERY ASSOCIATES LLC dismiss the court case XXXX. I current live in XXXX, CO. The court is in Texas. To show up in court on XX/XX/XXXX, I have to stay away from my work and have to buy air tickets. That costs me. I agree that we need to bring the bad guy who spends the money without pay to justice, but I am not that guy. I am the victim. I request the case is dismissed. If PORTFOLIO RECOVERY ASSOCIATES LLC states this " We believe that no further steps in response to the complaint or follow-up actions are required at this time. '' then the case needs to be dismissed.
Product: Debt collection

XXXX XXXX XXXX, Debt Collectors, continually robocalls my number, looking for someone who does n't live here, had never lived here, and is not me. 

I have asked them repeatedly to remove my number. The calls continue. They also do these calls on Sundays, when their offices are not even open to begin with.
Product: Credit card or prepaid card

XXXX froze my XXXX debit card they have both givin me no reason why I am now homeless with XXXX XXXX XXXX no money no answer I have recorded 14 direct answers from edd and bank of America claims and its all to much im contacting a lawyer if my kids have to stay outside in the cold another day im going to loose it and this has been going on since XX/XX/XXXX I have even been hung up apon by both edd and bank of America several times they put me on hold and dropped my call I person hung up on me in mid sentence this is supposed to be for covid 19 cause cant work well now me and kids exposed to everything and everybody to be honest im thinking of XXXX XXXX and im  serious
Product: Vehicle loan or lease

I am currently XXXX and out of work, my wife and I are on a car loan and it is our only vehicle. We have had it since 2018 and then when XXXX hit we both lost jobs and struggled with all bills, we got behind on everything. We both got XXXX. My wife is our sole supporter now and I have been struggling with mental illness and currently being treated at an outpatient facility. I had been for over XXXX  days in a facility to cope and hope to get back to the workforce while dealing with my mental illness but still in an outpatient program where I can not work. which makes me even more depressed but I am going to try and am hoping to return to work soon but my wife is struggling. She has tried to work with Capital one and they are now not working with her, I am also on the loan and hoping they can work with us because without our vehicle my wife can not work. We need this to be able to keep our home and electric and water. 

Capital One told us there would be options if we made a payment, we did and then they said another one had to be made to look at hardship payments. My wife told them she could with her next check which makes us push our electric bill out and hopes they will work with us on payments too. We are hoping when we make another payment they will but at this point with both do not have access to our online accounts because of capital one and are unable to make payments without speaking to someone, it is hard as my wife works XXXX jobs right now and in school again to hope to get her masters and make more money to support us.
Product: Mortgage

Fays Servicing took a loan that was originated from XXXX XXXX XXXX with automatic withdrawal of payment on the XXXX of every month since XXXX the amount of the loan was withdrawn and there was never a missed payment until Fays Servicing the original loan was for {$32000.00} in XXXX from XXXXXXXX XXXX XXXX and as if this is even possible as of XX/XX/XXXX the pay off for Fays Servicing was {$30000.00}. My house was sold at sheriff sale on XX/XX/XXXX at my age of XXXX Im a veteran and the best part is Im being evicted TODAY from the home Ive had since XXXX due to Fays Servicing and not accepting my payment or how about Fays Servicing not continuing the automatic payment withdrawal which I signed up for at the beginning of the loan in XXXX. To think XXXX XXXX XXXX agreed for an order of possession and again TODAY at XXXX XXXX XXXX Im going to be escorted out of my home by the constable. Due to greed from the XXXX XXXX he cashed the checks I paid to him but he didnt receive payment from the tenants in a trailer that sits on my land the trailer isnt mine but again a XXXX XXXX XXXX veteran with health issues including hooked to a XXXX XXXX XXXX will be homeless from a loan that I never missed a payment until Fays Servicing took loan over sadly if you do the math from XXXX til Fays Servicing date of taking the loan at {$450.00} per month I paid back at least double what I borrowed. Again Im being punished over Fays Servicing and their tactics of taking advantage of a XXXX XXXX XXXX citizen. Im not going to stop until my home is returned to me and possibly compensated for overpaying on this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account 's history this time and see the errors yourselves? Please update and correct my accounts right away. 

XXXX XXXXXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDNXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXXXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX
Product: Checking or savings account

I was charged a {$35.00} overdraft fee due to the balance being too low to cover their monthly {$10.00} maintenance fee when the balance dips below {$500.00}. I have repeatedly asked for a free checking account like I have with my credit union and they do not have any solutions. 
This monthly fee took my account balance to XXXX  and then overdrafted it which resulted in an additional {$35.00} charge which has taken me further negative to the tune of {$69.00}. Instead of them contacting me to ask me to add more funds, they just charged an overdraft fee. I asked them to close the account and they wouldn't allow it until I paid the {$35.00} overdraft fee and brought the account current. I did that and paid {$75.00} to include the {$35.00} fee even though I thought they weren't supposed to charge them. I will proceed in closing the account but I think they should reimburse and waive the fee I paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX car payments were on autopay. After 36 months ( and all timely paid ), there was an unexplained balance of {$54.00}. I complained - and would not pay without knowing why - and they did nothing except notify the credit rating services that I was a late payer. I have never been late in XXXX years of paying my obligations My efforts at dealing with them have been totally unsuccessful. 

I request your intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of Today XX/XX/23 at XXXX PM your company needs to delete these accounts below and if your company does not delete these accounts within XXXX business days, I will seek legal action for up to {$3000.00}. Your company is committing aggravated identity theft, violating the metro 2 compliance and FCRA. 

Delete these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these names below : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, L Delete these addresses below : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

I XXXX XXXX am writing a formal complaint to the Bureau, who has jurisdiction over this matter under sections 1053 and 1055 of the CFPA 12 U.S.C. 5563 and 5565, Section 814 ( b ) of the FDCPA 15 U.S.C 16921 ( b ), and Section 621 ( b ) ( 1 ) ( H ) of th FCRA, 15 U.S.C 1681s ( b ) ( 1 ) ( H ). MIDLAND CREDIT MANAGEMENT, their attorneys, servants, and agents have made several false representations to me a consumer regarding an alleged debt.. MCM in concert with their attorneys filed a frivolous claim for an alleged debt allegedly owed to XXXXXXXX XXXX in the XXXX District Court of XXXX XXXX on XX/XX/XXXX XXXX MCM brought an action against me falsely representing the amount and status of an alleged debt. They never provided me with a debt validation notice, MCM communicated with me without my consent, MCM and their attorneys filed a legal collection lawsuit without providing verification for the alleged debt, refused to provide me with the verification information in regards to the alleged debt that I requested, they are reporting false and inaccurate information on my consumer report, their attorneys falsely represented themselves as attorneys when they are debt collectors, MCM and their attorneys created and furnished misleading forms and affidavits, and the falsely represented the fact that they were legal debt collectors when they don't have a debt collectors license as the state of Michigan requires. Their conduct is abusive, oppressive, harassing, defaming, intimidating, and it causes me emotional distress. Their actions are grossly negligent and violates several provisions of the XX/XX/XXXX CFPB consent order.
Product: Mortgage

We paid monthly mortgage in XXXX installments ( XXXX payment every 2 weeks ). It was sent directly from our checking account XXXX biz days prior to due date. 
Worked great until XXXX 2016. At that time, DiTech began to send us past due notices, as their computer system was not recognizing the second payment. Despite the fact we paid mortgage plus an additional ~ {$400.00} to principle, late fees were added every month. Then Collections agencies started calling and showing up at our door. Our home was threatened with foreclosure. And yet, we had never missed a payment nor had a late payment. DiTech continues to harass us for this same issue month after month, despite many many calls to their Customer Service. Each call confirms that DiTech has received our payment on time and promises corrective action in their systems! But yet, the cycle starts again the next month. Unbelievable!
Product: Debt collection

This company has texted me numerous times Despite my telling them to stop and telling them they have a wrong number. The debt they are collecting has also been paid as of 2020 and is invalid
Product: Credit card or prepaid card

I initiated an electronic balance transfer through " XXXX XXXX '' on XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX XXXX states they paid the receiving bank " XXXX XXXX  '' on XX/XX/2022. XXXX XXXX has never received the payment. XXXX XXXX denies any wrong doing. XXXX XXXX has no information, because THEY WERE NOT PAID. XXXX XXXX refused help on XX/XX/2022, XX/XX/2022, and reluctantly opened a case on XX/XX/2022. XXXX XXXX still has not received payment and the date today is XX/XX/2022. XXXX XXXX will not provide more information. XXXX XXXX is reporting that I owe them the debt on all credit bureaus despite not paying XXXX XXXX XXXX XXXX states they will fine me, and report negatively on me if I do not pay them. I do not feel comfortable making a payment on a debt that is not valid. I need help.
Product: Credit card

In XXXX 2015 my credit card information was stolen and used at a Walmart in California. I reside in XXXX, Texas. I immediately reported this activity to Synchrony Bank and an investigation or claim was initiated, which I was told would last 4 to 6 weeks. Since then I have been in communication with Synchrony bank, but to no avail. I have been hung up on, yelled at, transferred to departments that were closed, and put on hold for over 30 minutes. I have spoken to customer service reps, supervisors, and fraud specialist. In XXXX 2015, after completing a survey that was not in the favor of the company, I received a letter stating my dispute had been resolved and my had been credited the amount. Today my balance still reflects the fraudulent charges. No one I have spoken to at Synchrony bank has worked to resolve this issue. This is just one of the three issues. The second issue is that since XXXX I have been making monthly payments, but the account balance never changes and I am unable to view any of my past payments. I have told the customer service reps time and time again about this issue, but to no avail. The third issue is that this amount is reporting to the XXXX credit bureaus and reflects that I am using more than 80 percent of credit on this account, resulting in a drop in my credit score every month. I am at my wits end with this company and I hope that this complaint will lead to a rightful outcome.