23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I purchased a product from XXXX back in XX/XX/XXXX and the product involved is a bed frame and it came with 5 years of warranty so i contacted the seller and he asked me that Ill get a replacement. Inspite me being provided the seller with my updated address, they shipped it to wrong address. After contacting the sller about it, he said Ill get my refund back. So they processed with the refund on XXXX XX/XX/XXXX in a debit card which i used at the time of purchase ending in XXXX with bank of america and i dont have that card with me anymore as i got a replacement card. I contacted back several times and they were not able to help me. I even disputed the original transaction as suggested by XXXX, the bank refused to do that as well. When i contact the XXXX they said it has been processed and i had a call today involving Bank and XXXX again it didnt get any settlement. And bank suggested me to contact you for the help. Its of XXXX dollars transaction and I confirmed by checking my banks statements that I purchased it from the same bank and the debit card i have with them and the transaction reflects in my XX/XX/XXXX statement. Please help me in getting my refund back as bank and XXXX are not able to help
Product: Credit card

I use PayPal to pay for purchases I make on EBay. My PayPal account is set to default to my linked bank account, and has been set this way for years. Today, I noticed that my default had been changed by PayPal without my knowledge or authorization to go through PayPal credit, which I neither requested nor wanted as there was plenty of money in my bank account. Now PayPal is making it difficult for me to pay my bill, as the payments are still " pending '' and there is no way to pay online. I am afraid that I will be forced to incur high interest and default fees for credit charges I did not request and which were not authorized by making it impossible for me to pay my bill promptly ( as they have a policy of putting you in a " credit loop '' which allows them to hold your payments until after they are due. ) I see many other people online complaining about the same unfair and deceptive practice. This needs to be investigated. As soon as I am finally able to pay my bill, I will be closing this unwanted PayPal credit account - hopefully, that will be an end of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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: Student loan

In XX/XX/XXXX I contacted Sallie Mae. I was out of the country and am at a new job where I was having payroll issues. I contacted them asking for advice. I was informed that there was no help online and that I needed to contact repayment center by phone. I didnt do this as I was able to sort my payroll out before being charged any fees. A couple of days later I was informed that my forbearance was rejected. I never applied for one and do not feel comfortable being applied for forbearance without my consent as this could damage my record when it comes to releasing my co-signers. I asked for them to rectify the situation and send me a letter taking back my forbearance request. My co-signers were very angry as they thought I applied without their consent. I was supposed to receive a letter. I asked when I would know the status and the agent then informed me it would be sent no matter what. After 2 weeks I contacted them to be informed my letter was rejected, the customer service rep was very unhelpful and kept telling me that since I wasnt on forbearance it didnt matter. I asked her to escalate the situation and instead she just kept saying that I didnt contact them to get forbearance. Overall it seems like the company does not care about any of their shady practices because they are just too big to fail. I want a letter of apology to be sent out and any mention of me applying for forbearance to be erased from XX/XX/XXXX because it is a lie.
Product: Mortgage

My mortgage is serviced by Freedom Mortgage, and has been for several years. They require both property taxes and homeowner 's insurance to be escrowed. I have dutifully paid in full, and on time, 100 % of the time. 

Freedom Mortgage has failed to pay the homeowners insurance bill. It was billed to them on XXXX XX/XX/2021, it has not been paid. I called them asking them to pay it in early XXXX, it has still not been paid. I have now received notice that the insurance has lapsed.
Product: Debt collection

I call Harvard Collection services at XXXX around XXXX XXXX EST and spoke with representative by the name of XXXX. I asked him to provide information regarding a debt and he advised they were a collection Agency and have had my account since XXXX XX/XX/2019. I then asked him why was there no notice or information provided to me regarding the debt he said one moment why he researches that information, he then acknowledged that no notice was sent to me and he will transfer me to his supervisor and they would tell me why there was never a notice of debt sent to me. 

Company involved are XXXX XXXX XXXX in XXXX FL and Harvard Collection services
Product: Credit card or prepaid card

The balance on my XXXX XXXX account is XXXX I believe. This card was used on XXXX to make several purchases using my XXXX account without my consent. The total of which is around 1200.The persons who used the account without my permission/consent were paying me for said charges, however, they have recently moved out and payments stopped.. I attempted to request a settlement offer, however, I was told there is not one available. I've paid off the account minus the fraud charges which the total is a rough estimate as I do not have my full XXXX order history available to me at this time. If Synchrony Bank is willing to adjust account to XXXX or accept a settlement offer for less that what is owed that is considered reasonable with said fraud charges.
Product: Credit reporting or other personal consumer reports

I received a text message that said that my fico score has been modified! do access the altercations ASAP as they may have significant impact if not fixed within 27 hours.The email I received is : XXXX XXXX XXXXXXXX, I also have a phone number which is XXXX. I called the number and a recording came on and said that the voicemail has not been set up yet, goodbye. I looked up the email and it came to a statement saying that they were alerting me about a scam from Equifax, XXXX and XXXX. never clicked on the email because I have gotten a lot of texts from whoever is sending them, they are not only the same thing, its usually a different type of text.
Product: Debt collection

On or around XX/XX/2024, I contacted Alliant Capital about a debt on my credit report that I did not owe. I advised Alliant Capital I have been the victim of identity theft and gave them my case number XXXX. 

Subsequently, Alliant Capital has an affirmative duty under the Red Flag Rule to flag the account as identity theft as well as notify the original creditor that the account is the result of identity theft because the original creditor is reporting to the credit bureaus and as their agent Alliant has a fiduciary duty to advise the original creditor of this as well as their requirement under the Fair Credit Reporting Act, The Red Flag Rule, The XXXX Decision, as well as other case precedence as set by the courts. 

Despite receiving this information Alliant not only continued to attempt to collect on the debt saying the case number was not enough but in addition they are continuing to collect everyday by failing to exercise their duty to have the account removed from my credit bureau. 

The courts have long held that credit bureau reporting is a form of debt collection which is why the Red Flag Rule was invented to prevent individuals from having debts collected on that they did not owe. 

I have spoken with several individuals at Alliant about this egregious abuse of their regulatory laws including the collector, XXXX XXXX ( Collections XXXX ), as well as to both their XXXXirector of Operations and have sent email to their attorney of record XXXX XXXX. 

To date, Alliant has done nothing to comply with the law and in addition to the liability from the regulatory violations I am accumulating compensatory damages. 

This agency needs to be sued by the CFPB for this standard practice that is a complete violation of numerous regulatory laws. Even as a debt buyer, Alliant still has an affirmative duty to follow Red Flag Rules which I will be happy to argue in court. 

Their validation was that this was for a check advance line of credit taken by computer and drafted from a bank account that I did not use that made payments on the account because I had an overdraft line of credit on that account. 

The company didnt even take basic preliminary precautions like questioning prior addresses, name of high school, fathers middle name through a third-party verifier which is standard practice on all financial online transactions. 

Which makes their actions both egregious, negligent, and unacceptable even compared to industry standard.
Product: Debt collection

Toyota Financial Services do not sign any letter mailed to my address. Making the letters not a legal document and/or documentation ( XXXX ) I sent two pictures the last 2 letters from Toyota Financial Services WITHOUT ANY SIGNATURE ( S ) This is a BUSINESS COMMUNICATION AND THAT IS SUPPOSED TO BE DONE. These letters are LEGAL DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my hard inquiry on my credit report they are 3 capital one credit card hard inquiry that I did not open myself. I do believe that someone got them in my name.. I think someone got my identity and ordered them cause I never had a capital one credit card. Thanks alot and I look forward in hearing from you. Thanks
Product: Mortgage

I tried to pay my mortgage payment online at the wells fargo website, in XXXX. I have been paying my mortgage for years at this website. Now I can log on but as soon as I click on mortgage it kick me out. I have talked to many reps from wells. They just give me the run around.
Product: Student loan

Account XXXX This was a Consolidated loan transferred from XXXX on or about XXXX The payment due is XXXX The first payment was due XX/XX/year> which was paid on time. The XXXX payment is due XX/XX/year> which is pending. On or about XXXX a Past Due entry was put into the account showing 6 months of past due payments, totaling approximately {$3100.00} ( XXXX payment of {$520.00} ) was entered without any documentation or details showing past due as of XX/XX/year>. 
I Called on XX/XX/year> and spoke to a representative, XXXX, questioning the past due.She was unable to explain or justify the entry. 
She promised to put the past due in forbearance and have the item researched. 
However, on XX/XX/year> a 2nd delinquency notice was posted to the account requesting payment of {$310000.00} and indicating that the amount was more than 30 days past due. 

My account is up to date and there is no past due amount. My account with AidAdvantage has not been with this services for 6 months. All the statements provided by AidAdvantage shows no past due amount. 
I fear that AidAdvantage may report a past due amount to the Credit Bureaus which will damage my credit ratings and interfere with a Mortgage Applications. 
I am demanding that my account be placed as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion on XX/XX/XXXX that information on my credit report was inaccurate and that the furnisher never validated the information. I asked them to conduct and investigation and correct or remove the inaccurate information and they failed. They are continuing to report inaccurate information and refuse to conduct a proper investigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my cashapp account was closed down for reasons they could not disclose with me. I have only ever used the app to send and receive money from family and friends. They took my first account about a month prior I called and sent in complaints to no avail, and l 've done the same thing here yet again to no avail. 
Now on XX/XX/XXXX they have completely blocked my device when I've tried calling and explaining that I've done nothing to go against guidelines or terms of service they said there was nothing they could do and they couldn't tell me which guidelines I broke or went against.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Other financial service

Hi Bank of America HARD SELLS far worse than XXXX XXXX. 

B of A employees can BE RUDE and condescending ... not letting the topic go..and talking loudly about you NOT having an account for others in line to EASILY hear ... 

I wonder what CEO, at the upper level, is pressuring their staff to act like this??? 

Very selfish practices Region Locations are XXXX on XXXX and XXXX Oregon XXXX, XXXX Oregon area
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 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 investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I just received an unsolicited call from someone saying they were " the division of student loans ''. when I pressed, they told me their actual name was XXXX XXXX XXXX, XXXX out of XXXX, California. I asked if they charged for these services and was told " yes ''. After reading information on your website I decided to file a complaint. Although I did n't pay them anything, I just wanted to report it. It 's hard enough to pay back these hefty student loans without having some opportunistic crook trying to take advantage of you! How are these predators allowed to exist?
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit File is missing positive information about my credit history ( Credit Cards, Auto finance..etc ). This was happened on XX/XX/XXXX when i check Equifax Credit Bureau Report., my name shows old last name and all my positive accounts got deleted, account removed while back that came back, closed account on XXXX is reported as active and current employer removed..etc..The result, I dont have any credit history as per Equifax., ( i got denied for a credit card application on XX/XX/XXXX due to lack of credit history ) Equifax always making mistakes about credit file not reporting correct information., and i lost identity when Equifax had data breach incident happened. 
Equifax ruined my Credit, i send copy of my Social Security Card, Drivers License and address proof numerous times to them to correct my personal information but they never corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account Kia motors is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has violated my civil rights under 15 USC 1681 in accordance with the Fair Credit Reporting Act, account XXXX XXXX acct # XXXX 15 USC 1681 section 602 A states I have a right to privacy, 15 USC 1681 section 604 A section 2 It states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Product: Credit reporting

Equifax keeps verifying a bankruptcy but the courts are advisnig me they are not giving Equifax any information so I want to know how it is being verified and I simply do not want them to open another dispute to say it is verified again! 
I am super disturbed that only Equifax continues to list the dismissed bankruptcies as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you Equifax must delete this information from my credit report and send me an updated copy when this action is completed. Considering that this does not require an investigation, In advance I would appreciate your their within 14 calendar days from receipt of this correspondence.
Product: Credit reporting or other personal consumer reports

The following accounts below are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately. Due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested accounts below deletions are made and removed. Please mail me an updated copy of my credit report. 

ACCOUNT 1 : ( XXXX XXXX ). 
ACCOUNT 2 : ( XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).