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

I was notified from some credit monitoring services that there was a hard inquiry from Informative Research on my credit report around XXXX on XX/XX/2019. I do not recognize this company, and have not applied for any loans, new credit cards, rental applications, or any of the common reasons which lead to hard inquiries. 

I believe this hard inquiry was a mistake.
Product: Checking or savings account

PayPal inc has frozen My account without giving me a reason. They are violating my rights and making hard for me to receive my remaining cash. They said I could send my self a check or cash out my remaining funds. In the PayPal app is not letting do any XXXX of these things and I would like to have my money back as soon as possible they are holding {$1200.00} of my money
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Product: Debt collection

In XX/XX/2017, I underwent a XXXX by and through XXXX XXXX XXXX XXXX. After the XXXX, I owed a balance to XXXX XXXX in the amount of approximately {$2200.00}. At the time, I was working with the billing office attempting to set up a payment plan. However, due to the amount of the payments for the plan, I was unable to continue paying the full amount and was attempting to pay what I could afford. The bill was sent to a collection company Puget Sound Collections ( hereinafter referred to as PSC ). PSC contacted me and discussed the situation. We agreed to a payment plan, and I was to receive a promissory note from the company that confirmed the payments, amount, etc. At no time did I receive a promissory note from PSC, and under the law, I am protected from making payments without validation and verification of the debt.

I contacted PSC  and did not receive a very nice response. In fact, I was threatened with legal action. I filed a complaint with the State regarding the threatening message, and heard nothing further.

A year and a half later, I was served with a lawsuit. This complaint is in regards to that lawsuit and PSC 's deliberate attempt at destroying me both financially and personally.

Due to some hard times my family has fallen on ( 4 XXXX XXXX in less than 6 months between my husband and I ; job loss for both my spouse and I ; two XXXX XXXX, one life threatening that almost killed my husband ) I hired a company called XXXX XXXX XXXX to assist me in being responsible, and cleaning up all of our debts. XXXX XXXX XXXX is an alternative to Bankruptcy, which I am fully qualified for right now due to the extreme hardship I am under. It is my understanding from XXXX XXXX XXXX and my attorney by and through XXXX XXXX XXXX that my file with PSC has been noted as " no settlement/no negotiation ''.

XXXX XXXX XXXX has made a diligent effort to resolve this matter with PSC and they are refusing. Stating that they want to obtain a judgment as opposed to working out a payment plan through my Debt company and attorney. PSC is deliberately attempting to destroy my credit, and my future by obtaining a judgment. PSC has been offered an amount to settle, and I have offered to pay the full amount through XXXX XXXX XXXX in order to resolve this debt, and pay my obligation, however PSC continues to state they will not settle, or accept any payments and thus are going to move for a judgment against me wherein they will receive {$0.00} as I am unemployed.

I would like action taken against PSC for unfair tactics and deliberate abuse towards a person. If PSC  is unwilling to accept a payment plan for the full amount, I am not above filing for Bankruptcy and wiping out the debt completely. However, I would prefer to continue working with XXXX and continue being responsible and paying my obligations so that my future is bright, not destroyed by a medical debt and an irrational, unprofessional debt collector.
Product: Credit reporting or other personal consumer reports

Ive been experiencing ongoing issues with XXXX and TransUnion regarding inaccuracies on my credit report. Despite submitting disputes for incorrect and inconsistent information, they have failed to remove these accounts. I have repeatedly requested a wet signature and physical proof of these alleged debts, yet they continue to ignore my requests. Instead, I have received generic mail stating the debts will remain because they belong to me, but no evidence or proper documentation has been provided to substantiate their claims. This lack of accountability has been frustrating and is preventing me from resolving the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/219 got a letter from XXXX XXXX indicating they are unable to re-insert my 2 accounts XXXX back into a bureaus as required by law. see attached.
Product: Prepaid card

My card was charged XXXX something dollars and I never knew this card came with a late or what ever its called. If I dont have the money why keep charging my card. You dont know if that was my last. I have other things to take care of but I cant because I was unaware until my money went missing. I need a refund or something. Yall keep doing this and I thought it was a mistake but no. The stuff yall tryna charge me for I dont have or use anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Medical XXXX Balance : {$280.00} ; XXXX XX/XX/XXXX
Product: Debt collection

My mother died on XX/XX/XXXX, leaving me as executor. I recently received a foreclosure notice on the property our family lived in for almost 60 years. According to the notice, in XX/XX/XXXX my parents took out a loan for {$40000.00} from XXXX XXXX, to remodel the house. At that time, BOTH of my parents were retired, living on a combined Social Security of about {$1100.00} - {$1200.00} per month. Their payment was to have been over {$500.00} per month, and would last until XX/XX/XXXX, when my mother would have been XXXX years old. On top of that, the interest on the loan was 8.725 %. My father then passed away in XX/XX/XXXX, leaving my mom to make these payments on her SS check of slightly over {$600.00} per month. In XX/XX/XXXX, they made an agreement to lower the payment, but extend the loan until XX/XX/XXXX, when my mother would have been XXXX years old! As I said, both of my parents had retired years before taking out this loan. In addition, both of them had TERRIBLE credit! Why would anyone give a loan like this to someone, under these conditions. Also, I see that one of the stipulations in the loan is that they will not let the property deteriorate. At the time of the loan, the west wall of the house had already detached from the rest of the house. The floor on that end of the house was sinking into the crawlspace. The ceiling in the attached garage was caving in. If XXXX XXXX  had bothered to look at the house in advance, there is no way they would have given this loan to my parents. My mother was able to pay off only about {$10000.00} of the loan before she died, and the house is now being foreclosed on. As we work to settle her estate, the house and contents will be sold, but most of the money will go to settle this debt. I feel that allowing my XXXX and XXXX year old parents to take out this large loan on a house that should have been condemned should be considered a " predatory loan '', and the loan should be forgiven.
Product: Checking or savings account

I am traveling for work and SoFi froze my account without any warning or contact. I find out when I dont have access to my funds. I call SoFi and they say that a check I deposit was rejected and they froze my account. Im asked where the check came from, I explain that I had deposited three different checks and two of them went through. The check that bounced was from XXXX XXXX after making over payments on my retirement loan. They say they will investigate while freezing my account and after having all the information. The problem is that Im traveling with no access to my funds. I explain this and all they tell me is to keep checking my account. Its already another day and still frozen account. I am very upset because they shouldnt freeze an account without trying to resolve the issue with the consumer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). XXXX kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX THESE ACCOUNTS PROVIDED NO CONTRACT OR NO SIGNATURE
Product: Credit reporting or other personal consumer reports

My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA
Product: Mortgage

On XX/XX/XXXX, I notified Guild Mortgage Company that I changed XXXX XXXX XXXX and sent them verification, which they acknowledged on their website, showing the reduced amount of Homeowners insurance. 

Guild stated that they sent me the check for the old XXXX XXXX XXXX  and to send it back to them so that my account can be properly credited and reflect the lower payment to be assessed for the XX/XX/XXXX, payment. 

I receive their refund in the amount of {$2700.00}, which I promptly sent a personal check in that amount to them by overnight via USPS. It arrived in their XXXX XXXX XXXX XX/XX/2023 as shown in the attached documents. I had notified them by email prior to and after the XX/XX/2023 email. As of today they have refused to or attempted to retrieve the overnight mail containing the check so that my XX/XX/XXXX, payment can be accurately reduced. 

I contacted XXXX XXXX and their representative in the XXXX department for Guild more than 5 times prior to making this complaint and have made every effort to contact them by phone. 

I tried calling their Servicing Department as shown on their website and instead kept getting referred to a solicitation for XXXX XXXX  instead, which is quite disturbing. 

As of today I am have to pay the {$3000.00} mortgage payment instead of the lower amount if Guild were to properly take into consideration the check that has been in their XXXX XXXX XXXX XX/XX/2023. 

Since this complaint, I have changed XXXX XXXX XXXX  again and will have an even lower previous which will reduce my total payment below {$2800.00}. This second change in XXXX insurance companies will be effective XX/XX/2023. I purposely waited to have this new insurance to take effect on XX/XX/2023 to give Guild sufficient time to correct the " current '' escrow payment that they refunded. I thought 11 days would have been plenty of time to begin my new homeowners insurance, but now that have not even picked up the current refund check in their XXXX XXXX there will now be more necessary delays in correcting the homeowners premium the currently have on file the second change coming in XXXX. 

This entire confusing issue is purely due to their negligence in not picking up the refund check that I sent, correcting the current payment and in XXXX they will receive the second homeowners insurance companies that will ultimately reduce my entire mortgage payment even further. 

Their outrageous customer service in not having a XXXX XXXX XXXX  phone number to contact them directly and instead, an up-sale for XXXX XXXX XXXXXXXX is equally outrageous and deceptive.
Product: Credit card

After 5 long arduous years, I finally managed to pay off my Discover card. Or so I thought. I contacted Discover to ask for the exact final amount, which I paid right then and there. I then asked to closed my account. I was transferred to " Account Retention '' where I spoke with another agent about closing my account. After listening to a litany of reasons why I should stay with Discover and keep my account open, I declined everything and asked ( once again ) to close my account. I was then told that I could n't do that ; that the account could n't be closed, only " inactivated. '' After several minutes of argument about that, and being told it was pretty much the only thing I could do, I had to accept this status. Little did I know that Discover 's version of " inactivated '' was very different from mine. 
Fast forward a couple of months, and now I am receiving notices from Discover that I have pending charges for late fees and interest. You can imagine my surprise. While the charges are still small-ish, the principal of it all has angered me enough to contemplate legal action, which I do n't want to do. 
I contacted Discover again, and expressed that I was not going to pay the charges due to their inherent lack of customer service, and their not following my initial request to close my account. I asked that they remove the charges, and stop contacting me going forward, otherwise I would take it as harassment. 
I would like to know what type of recourse I have in this situation. I do n't want this affecting my credit score, and while the amount is small, I do n't want it suddenly exploding into something more significant due to them compounding costs. They really are crooks in my opinion, leaving me ( the customer! ) with little choice but to continue to pay them for something I did n't want in the first place! What can I do in this situation?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Dear XXXX, I am formally disputing the unauthorized access and deletion of my XXXX XXXX data as reported in the XXXX XXXX article titled XXXX XXXX and FERPA : Did XXXX Breach XXXX XXXX XXXX '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part XXXX ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

XXXX XXXX XXXX I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. Please contact me at [ your phone number ] or [ your email address ] with updates. I trust that you will handle this matter with the urgency it demands. 

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

Numerous times I have attempted to resolve this issue with Equifax. Please be advised that this is causing financial damages, stress, and hardship. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid. My PRIVACY has been violated in your system. Please verify, validate, and document that I am LEGALLY obligated to pay this alleged debt. Provide proof that I was late on this account. If you are unable to provide evidence of late payments please correct the inaccurate report. YOU ARE REPORTING FALSE AND MISLEADING INFORMATION. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE UPDATE THE FOLLOWING LATE PAYMENTS TO PAID AS AGREED NEVER LATE XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX REMOVE XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UPDATE XXXX XXXX  REMARKS PAID/CLOSED REMOVE UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

They call everyday, sometimes twice. I dont have the money. It needs to stop.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX sent a balance transfer check for {$1000.00} to Sallie Mae XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX Tue, XX/XX/2023 Posted XXXX XXXX  XXXX XXXX XXXX 0 % XXXX XXXX, VA , United States XXXX has not posted the payment to my account as of today XX/XX/2023. When I sent a chat inquiry to XXXX, I was told they can not research where the check is even though they know my name, address, payee, account # s, date of check, etc. They demanded a check number, and insisted that is the only way they can search for the check. 
I spoke with XXXX and they said they sent a paper check to the correct address but can not provide check numbers or canceled checks since this was a batch processed promotion. 

Note : There was a typo on my last name when the check was issued, but information on that has been provided to Sallie Mae and corrected by XXXX. 

I am still paying interest on this missing amount and of course need it resolved as soon as possible. 

I will attempt to attache the transcript of the chat with Sallie Mae in case that information would be helpful in investigating this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I unlocked all 3 credit bureaus do I could apply with my old auto finance company Capital one in an attempt to refinance my current auto loan. I then went into the Capital One website and input my information in their system to see if I prequalify with them pulling a soft inquiry which has no impact to my credit score. I immediately got denied so thats when I left the website and logged back into XXXX, XXXX, and XXXX and locked and freezed my credit reports. I then got a credit monitoring alert from XXXX that XXXX XXXXXXXX XXXX had attempted access to my credit report. I contacted them and they refuse to provide any information to me so I added this inquiry to my FTC identity theft affidavit and added this attempt to my police report. I received a letter last Friday XX/XX/XXXX from XXXX XXXX XXXX dated XXXX stating your credit application was forwarded to us by Capital One. After carefully reviewing your application, we are sorry to advise you that we can not open an account for you at this time. If you would like a statement of specific reasons why your application was denied, please contact us us as shown down below within 60 days of the date of this letter. We will provide you with a statement of reasons within 30 days after receiving your request. 

It has the name of XXXX as the credit reporting agency and XXXX XXXX XXXX XXXX as the companies they had went through in order to make a decision. 

I contacted Capital one XX/XX/XXXX and questioned this and they denied that they shared my info. On this same day later in the evening I opened a letter from XXXX dated XX/XX/XXXX stating thank you for your application for credit for automobile financing which we received from Capital One XXXX CA. Your application authorize the dealer to submit the application to lenders such as XXXX XXXX XXXX, an attempt to qualify you for financing. After carefully reviewing your application, we are sorry to advise you that we are unable to approve your financing request at this time. If we obtain information from a consumer reporting agency, as part of our consideration of your application, its name, address and toll-free telephone number is show below. We did not obtain a copy of your credit bureau report when reviewing your application for Credit. Sincerely, XXXX XXXX XXXX the letter does not disclose which credit reporting agency it had accessed. 

First of all I have never attempted to apply with XXXXXXXX XXXX XXXX and XXXX XXXX and any other creditors beside Capital One and XXXX XXXX XXXX, which now XXXX had accepted my application and is sending a check to my current Servicer to take over my loan. 

The reason Im being denied is because I have locks on my credit so theyre unable to obtain my information however, they are making attempts which are against the law because I did not provide my information to these entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors are not reporting correct information to XXXX, XXXX, XXXX. On XX/XX/2020 I contact GC Services Limited Partnership via telephone ( XXXX ) in reference to a correspondence received deliver to my mailbox offering a settlement to resolve my XXXX XXXX XXXX XXXX Account. The offer was accepted and the payment was made to fully resolve the account. I immediately request proof of payment, as well as, proof that the account was settled in full. They requested I send a email to request the verification that the account was fully settled. On XX/XX/2020, I received a call from their unit manager requesting a fax # for them to fax the proof of resolution. She stated the information would be reported to the the credit reporting agency and updated by end of month XX/XX/2020. As of date XX/XX/2020, the negative information is still showing on ALL 3 credit bureaus and has been disputed.
Product: Money transfer, virtual currency, or money service

At the middle of XXXX I XXXX looking for a product. The XXXX XXXX I found a sight that had it in stock but charged quite a bit for a bottle. I went to the check out and realized they wanted payment through PayPal which I prefer not to use. I opted to use my debit card from my checking account. I paid {$19.00} on XX/XX/2020 I never received a confirmation number nor any tracking number. The only thing I see is they took the funds out of my account but never shipped the product. I tried numerous times to contact PayPal but you cant speak to anyone due to covid 19 they are saying. I tried to put in a dispute and request a refund for a scam bu was unsuccessful in that as well. The only information I have is this information that is showing on my bank account. PayPal XXXX XXXX CA XXXX XXXX. XXXX.