23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was under the impression that my student loan was deferred because of Covid. I never received any correspondence, calls, or bill to pay my loan, which caused a late payment. I only realized after signing into my school email and saw an email regarding a loan statement. I quickly paid the balance owed and called to see if they could reverse the late payment from my credit report, which they said they couldnt. I also never received correspondence stating that adverse action would take place. I have never had a late payment on anything and have paid this loan on time ever since and would like for this to be solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 years I have written this company to have unauthorized credit inquiries removed from my file as well as invalidated public records reporting. This company will not validate that the items are for me. I have called and written in multiple times during the past two years and have again in the last week. This company will not follow suit as the other bureaus in the dispute and remove items that are unauthorized and not validated.
Product: Debt collection

XX/XX/2015 I was treated at a XXXX and incurred expenses of near {$3000.00} that were my responsibility. As my HSA account did not have that much in the account, I established a payment plan with XXXX XXXX to pay something around $ 300/mos. I never received a statement from them and missed the subsequent payment. I attempted to make a payment online and was told I only made partial payment and given another number to call. I called that number and made a new payment of $ XXXX/mos which I was told was my new payment plan amount. I did not realize at the time that this was a collection agency, BCC Financial. As the same time of the month was nearing XX/XX/XXXX, I was again looking for a statement from XXXX XXXX and had not received one. I was very busy and it slipped my mind as I mostly use online banking or paper bills for things that are n't " usual '' bills for me. XXXX from BCC Financial called on XX/XX/XXXX and said she was calling to collect on a debt for XXXX XXXX. I was very angry at that point and told her all about my payment plan and how I had never received any statement. She assured me that she would get it straight and I would get statements from her. She then immediately offered me a XXXX % settlement if I paid in full. I refused because I owed the balance, although I was capable of paying I also asked if the XXXX % settled balance would report to my credit as a charge off. She could n't answer that question. I asked if my account could be paid back up to date and sent back to XXXX XXXX, she said no. But then again assured me I 'd receive my monthly statements. No statement in XX/XX/XXXX. I needed to call them myself in XX/XX/XXXX to make them aware, again, that I had no statements. I needed to get my account number from them to make a payment online. I repeated my concern about not receiving statements, not being able to monitor the progress of my account and if my payments are actually being applied to my balance. The woman I spoke with continued to assert that they HAD been sending me statements. Giving me the impression that she was accusing me of lying. Then here we are again-no statement received in XX/XX/XXXX, during the holidays. I do n't know what day my payments are due. I do n't know what my current balance is. All I am able to see on the website is a place to enter all of my payment information. For all I know I could be wiring money to anywhere.
Product: Credit reporting or other personal consumer reports

They would say the XXXX was verified but never provided the source of verification.
Product: Credit card or prepaid card

Bank Of America was notified of a fraud charge. They closed account opened new credit card and didn't remove XXXX fraud charge that they said they would. After many hours calling BOA no one can help they drop my calls the fee are out of control and I can't get the problem solved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

PayPal Credit billing statement, minimum amount due to prevent interest charges and the application of payment of the said amount is false and misleading. Purchases over { {$99.00} } are advertised as 6 months no interest, no payments. Purchases under { {$99.00} } must be paid within 25 days to prevent incurring interest charges. PayPal Credit billing statements inaccurately report the accumulation of purchases made under { {$99.00} }, even though those purchases occurred greater than 25 days prior. In addition to carrying this balance forward month to month they will include the amount of the current month expiring promotions in the minimum amount due to prevent interest, which causes me to pay a higher amount than what is actually due. Upon payment of the minimum payment to prevent interest based on the billing statement, PayPal then applies the payment to the current expiring and future promotional purchases ( within 60 days expiring ) while leaving the standard purchases accumulation to roll forward. This method ensures that they are receiving a monthly cash flow payment of at least the accumulation of standard purchases and in excess of the actual amount due in the current period ( expiring promotions and purchases within prior 25 days ). First, if the promotion is 6 months with no interest, no payments then payments made should not be applied to items that are not yet due nor require a payment. The payments should be applied to the standard purchases and promotions expiring in the current period with any excess paid above that amount applied to future promotions. Second, even though they are not charging interest on the standard purchases, which are accumulating, they are not in compliance with the terms communicated to the consumer, which state standard purchases must be paid within 25 days, yet when the standard purchase amount is paid within the 25 days, the payment is not applied to the standard purchases. I have canceled my account with them after noticing for several months I was writing them checks of $ XXXX- $ XXXX monthly and still showing a standard purchases amount over { {$300.00} } even during months when no new purchases were made. 

In addition, Paypal would not recover money paid for a couch that fell apart before I had it one year.
Product: Mortgage

I am a XXXX XXXX XXXXXXXX XXXX, and I am exempt from property taxes in Texas. Freedom Mortgage disbursed money to the county tax office for property taxes. They claim they see I am 100 % exempt but still will not remove the negative tax balance from my account I spoke with them on XX/XX/XXXX. They called me on XX/XX/XXXX and told me it was fixed, and I would have a new escrow analysis by XXXX. it is now XX/XX/XXXX, and this is not fixed. I contacted them, and they are still not fixing the issue.
Product: Payday loan, title loan, personal loan, or advance loan

PenFed notified me they do not have to lower interest rates and pay back interest over required by LA SCRA since they are not in Louisiana and loan was not applied for and transaction was not done in LA. 

I am in the XXXX and when I moved to Louisiana with orders requiring me to move here they are the only bank that did not abide by the law.
Product: Money transfer, virtual currency, or money service

Coinbase locked my account on XXXX to " verify my identity ''. I've had the account for many years and my portfolio is in excess of $ XXXX. I have done everything they asked to restore access to my account but they require proof of where I obtained my capital from. I do not have such documents. My seed money came from a wrongful death suit and I explained that. Ive paid my taxes every year, they have my ID and my SSN, I've sent documents of every transfer I ever made from my bank account to Coinbase. They have given me a few days to submit these documents but refuse to tell me what will happen if I can not. I have asked them, they have dodged every question and refused to even tell me what documents will satisfy them. I can not make trades or withdraw any of my money.
Product: Checking or savings account

I places an order ( # XXXX ) with XXXX XXXX  on XX/XX/XXXX and original delivery was pushed back 6 months. I paid {$4500.00} and expected it to arrive by XX/XX/XXXX. This order was deliberately labeled as canceled ' on their website, without my action or acknowledgement. No refund or products were delivered. Basically, by end of XXXX, XXXX XXXX and their representative assigned to my account ( XXXX XXXX ) were sending email updates about building my sofas ( see attached ). XXXX was expected by XX/XX/XXXX. In XXXX, a letter from the XXXX arrived, apologizing for delays. By XXXX, I started emailing and calling XXXX but never getting hold of her ( see email auto replies ). She was able to reply to XXXX of my emails, letting me know that additional updates on XXXX were coming in XXXX. She never came back from the holidays. The last time a date was posted on my account was for XXXX, but that is no longer visible. They never issued a refund and I've tried refuting the charge, but 53rd Bank won't dispute the charge. they allege that a dispute can only occur within 90 days after the purchase date. XXXX XXXX was updating me with order status well past the dispute window by my bank. The 90 days period set by the bank to allow retraction of charges must be waived because that is basically fraud by the company. Thats how most of the affected clients got their money back ( according to an existing XXXX group page ). 

Additionally, affected clients were instructed to submit a claim with XXXX XXXX, an equity company in charge with the assessment of benefits. I submitted a claim and was told to wait for resolution by the end of XXXX of this year. I have called XXXX XXXX on both of their numbers, ( XXXX ) XXXX and ( XXXX ) XXXX, for a follow-up and was told that XXXX XXXX  concluded that they will not refund. 

XXXX XXXX is currently an active business sending me marketing emails and promos. I called their customer service ( XXXX ) and their representative ( XXXX XXXX ) let me know that only the name was sold to the current firm ( XXXX ), not the financial responsibilities. General XXXX XXXX XXXX ( XXXX ) and XXXX XXXX are now offering me 30 % off if I place a new order. I feel utterly offended. XXXX sorry but how is this not fraud? I understand my accounts should be protected from fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear MOHELA/DOFED & XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be removed immediately. 

( Screenshot below )
Product: Payday loan, title loan, personal loan, or advance loan

I'm paying XXXX a month for a loan of XXXX. I'm paying it but the loan isn't getting any lower, number never move. Something isn't right and it's not fair.
Product: Credit reporting or other personal consumer reports

XXXXAttention : XXXX XXXX XXXX Dear Equifax Team XXXX I am XXXX XXXX and I recently reviewed my credit report, only to find unauthorized inquiries that I never initiated or approved. 

Upon my own research, I found that the respective creditors associated with these inquiries do not have any documentation suggesting that I initiated or authorized these inquiries. This is concerning as these entries were made without my explicit written or verbal consent. 

Considering these discrepancies and in line with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681b, I kindly request the immediate removal of these unauthorized inquiries from my credit report. The specific inquiries in question are : - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To expedite this process, I have enclosed proof of my identity and current address. I anticipate a timely response and an updated copy of my credit report reflecting the necessary corrections. 

I trust that Equifax will handle this matter with the diligence and attention it warrants. Thank you in advance for your cooperation and understanding. 

Warm regards, XXXX XXXX
Product: Checking or savings account

My business wrote a check {$1300.00} to a supplier of ours .After a time passed, supplier notified us they never received check. we received statement showing check was cashed by our bank, but signature on back was fraudulent. We filed a claim with bank but they say we missed their deadline by several days.
Product: Debt collection

I turned in the equipment for XXXX XXXX to a technician that had come out to my house to install the new equipment to turn in to the company. The company said they never received the equipment. but said that I never owed them anything. Out of the blue I get a collection for XXXX put on my credit report from a company I 've never heard of ( I C Systems Inc ). When I called the company they still have no record of it but its hurting my ability to get a home loan.
Product: Credit reporting or other personal consumer reports

have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links hXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXX to Currently date XX/XX/XXXX This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Product: Vehicle loan or lease

I would greatly appreciate a phone call back. Add XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So I can explain what happened in this situation, and I was not to be included, and it was between XXXX XXXX and my husband XXXX XXXX. I'm tired of my name being used without my authorization and I want something done so if you could greatly appreciate please give me a call at XXXX, thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are still reporting on my credit report and no further actions have been taken. For the account of XXXX XXXX, I paid before the due dates last XXXX XXXX XXXX XXXX XXXX  and I know for sure that I paid on time, please provide the proof of payment that I were lates and the amount you received. For the account of this account is now XXXX XXXX being handled by the XXXX XXXX XXXX XXXX With that being said, I am not liable for any payments on this account or to any double payments
Product: Debt collection

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. I XXXX XXXX the consumer never gave the debt collector Discover consent to contact XXXX XXXX about my alleged debt. Violation ( 1 ) At any usual time or place or a time place known or which should be known to be inconvenient to the consumer. Discover emailed XXXX XXXX regarding the alleged debt of XXXX XXXX at times that were inconvenient. Violation 15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Discover on this alleged debt.

Documents attached Exhibit A The Discover Symbol. This is a violation of 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ) Exhibit B Threating with a law firm ( 15USC1692i ) Exhibit C - 15 U.S. Code 1692b ( 2 ) This is an alleged
debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation Exhibit D violation 15USC 1692b ( 2 ) Not my debt Exhibit E violation 15 US Code 1692 C ( a ) Contacting XXXX XXXX about my alleged debt without permission.
Product: Credit reporting

I am trying to view my experian credit report online for the last 2 days now to dispute wrong information reporting. Experian will not allow me on the website to submit the disputes.
Product: Credit reporting

Around XXXX or XX/XX/XXXX, I had received a bogus billing from STELLAR RECOVERY # XXXX regarding a {$230.00} bill with XXXX. I immediately called Stellar @ XXXX XXXX XXXX XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my FICO d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from STELLAR RECOVERY on XXXX reports, XXXX, so I filed disputes with both companies XXXX had the item deleted, but XXXX just added a note that " acct was disputed by Consumer '' with a removal date of XX/XX/XXXX. On XX/XX/XXXX I filed a second dispute with XXXX and n XX/XX/XXXX I sent a formal complaint to STELLAR RECOVERY, with no reply to date. My FICO score remains at the mid XXXX, due to this bogus reporting by STELLAR. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely XXXX XXXX