23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2018 I had my blood work done at XXXX. I provided XXXX XXXX with my insurance card and they asked for my Chase Master card which I did not question for what purpose. Upon returning home, On XX/XX/18, I called XXXXXXXX XXXX to question why their local lab asked for my credit card and spoke with XXXX. She assured me that my credit card details will be removed from their database. When I received my credit card statement, XXXX had charged of {$100.00} on XX/XX/18. I also received an invoice ( # XXXX ) for {$42.00}. This invoice was paid by in full on XX/XX/2018 through our HealthEquity Visa Health Account Card. 

On XX/XX/18 I opened a dispute with Master card. Chase asked me to provide proof of payment and I provided them with a copy of invoice, and Proof of Payment for {$42.00}. This was faxed to Chase on XX/XX/18. Upon follow up, Chase indicated that the fax was not clear and I mailed them copies through USPS. 

On XX/XX/18, Chase denied my dispute as they found no evidence of billing error, I called Chase again and they told me that if I want them to reopen this dispute, I have to provide them with a cancelled check from my Health Insurer. 

We also contacted XXXX again and provided them with the information I had sent to Chase Master card. XXXX was able to locate the billing error and issue me a credit for {$100.00} on XX/XX/18. 

On XX/XX/18 I called Chase Mastercard Credit Dispute department and spoke with XXXX ( Credit Dispute Supervisor and asked why Chase was not able to resolve this dispute with the information provided to them whereas XXXX was finally able to. XXXX indicated that Chase tried to contact XXXX on XX/XX/18 and was not able to speak with anyone at XXXX but unable to speak with anyone and closed the dispute in XXXX 's favor. She could not explain why but kept repeating that the information I provided to Chase was not sufficient to pursue further with XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I first tried to close my PayPal account. Merchant ID XXXX. received an error message that a transaction was in process. I tried again three days later - same error message. A customer service agent told me it would take three days for the transaction to clear. So I tried again on XX/XX/XXXX and got the same error message. this time I could not reach an agent. Instead I got an endless email voicemail- for 2 1/2 hours. I just ask that PayPal close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Mortgage

I tried to request a re-modification from PHH, I received a trail re-modification with no details of how this re-modification was created or what the terms would be once the trail was completed, which I think is extremely important. I submitted a letter of concern to PHH as well as CFPB, PHH responded to me with a letter dated XX/XX/2022, I received the letter XX/XX/2022. PHH response did not address my main concern. I have copied my response to PHH below. My original case number was XXXX. 
PHH Mortgage Services Escalations Department 1 Mortgage XXXX XXXX XXXX, NJ XXXX XXXX XXXX I would like to start by saying I appreciate your time, after a thorough review of your letter and it may be my fault for not stating it clearer, my major concern is being addressed in your letter dated. From the very beginning I have asked to see the calculations per year to verify the charged rearranges are correct. The other concerns are relevant, but not nearly as important. 
In closing, I apologize if I did not state my request clearer. 
Genuinely, XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as an official notice and demand for immediate action regarding the grossly inaccurate, unverifiable, and fraudulent information that your agency has irresponsibly reported on my credit file. My recent investigation into my credit report revealed numerous inaccuracies that have caused me severe emotional distress, including XXXX, as a direct result of your agency 's negligence. Under 15 U.S. Code 1681e ( b ), your agency is legally obligated to ensure the maximum possible accuracy of the information contained in a consumers report. It is clear that you have failed to meet this standard, and I am holding you accountable. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, your agency is required to promptly delete that information or modify it as necessary. You are further obligated to notify the furnisher of the information of any deletions or modifications. I am giving you a strict deadline : if you can not provide me with verifiable proof of the accuracy of the items listed below within 15 days, you are required by law to delete these items from my credit report immediately. Failure to comply will result in legal action against your agency for violating federal law. 

XXXX XXXX XXXX XXXXXXXX It is conceivable that the account identified may have been reported unfairly, without proper certification, or in violation of the law. As a result, I must insist that you immediately remove any item that alleges derogatory-conditioned late payments, as mandated by the law. 

XXXX XXXX XXXX XXXXXXXX s. It is disheartening to observe that this information may be afflicted with incompleteness, obsolescence, or a lack of substantiation. I earnestly implore the removal of any inaccurate or unsupported content from this page, as such discrepancies are dismaying. Your prompt attention to rectifying this situation would be deeply appreciated. 

XXXXXXXX XXXX XXXX XXXXXXXX It is imperative to acknowledge that this information could be potentially incomplete, outdated, or lacking proper validation. We kindly request the removal of any inaccurate or unsupported content from this page.
Product: Debt collection

The military star card of the navy exchange sends letters to my commanding officer anytime i am past due on payments and has done this for years.
Product: Credit reporting

Transunion is reporting my previous mortgage account as currently 30 days past due which is impossible. The loan is paid in full and pays as agreed. I am filing this with CFPB as a pre-cursor to engaging legal counsel. This is BLATANT and malicious reporting by Transunion and I will not be bullied. See below from Transunion : Account Name Balance Balance Date Monthly Payment Term XXXX XX/XX/2015 XXXX Account Details Payment Status TransUnion XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XX/XX/2015 Status 30 days late Loan Term 360 Loan Type VA real estate mortgage Opened XX/XX/2015 Reported XX/XX/2015 Remarks Closed Creditor Information XXXX XXXX XXXX XXXX , CA XXXX Phone # : XXXX Your 3-Bureau Report is Ready VIEW IT NOW
Product: Credit reporting or other personal consumer reports

My ex used my social security number and electronic signature for her students loans without my knowledge or consent. I found out during our divorce proceedings while reviewing the financials that there were student loans that were on my account that were not mine. I reached out to the fraud department at the student loan company and they said there is no proof I didn't electronically sign this loan for a co-signer. I don't understand how they can allow electronic signatures for something like this ( $ XXXX ) without validating the individual applying to be a co-signer. I never received a call, email or anything confirming I agreed to be a co-signer. Now the loans are being defaulted an reported. I don't know what my options are. I've written so many letters, talked to a detective for identity theft and nothing went anywhere. I need help
Product: Checking or savings account

i tried to log into my users name at Bank or america i didnt know they licked my acct and they never told me this and to point out im on ss so the direct deposit check is in this bank for XXXX anyways something about i was complaining too much about a dispute i had with XXXX XXXX so i have funds available and all i keep doing is contacting them all i get is the run around in XXXX the person said ill get my funds in XX/XX/XXXX well XX/XX/XXXX already came and gone and i dont owe the bank so i want to know whats the delay i cant go down to a branch no transportation and the customer service reps said id receive a certified check in the mail date and month as said im XXXX XXXX XXXX and havent received 2 ss checks yes i informed the local social security admin so they know but dont know why this month ssa check wasnt sent so htis is about why im contacting you i tried i even contacted BOA on facebook so i get the run around there playing a transfer game all i want is my rightful funds sent to me i cant buy food or nothing seeing that bank closed my checking acct i wrote 2 checks to the land loard for rent guess what seeing both bounced like a ball i have to vacate my XXXX of 10 years so without funds you cant give a deposit or rent just tires of the bs this bank is offering ty
Product: Credit card or prepaid card

American Express keeps giving inconsistent and misleading information on same subjects. 

I opened a new credit card with American Express on XX/XX/17. Before applying online, I called their customer service to confirm if they have next day delivery option since I will be away from the delivery address but need to use the card, the representative told me there is an instant card info service that applies to certain cards. So I asked her if that applies to me, she said, yes, since you are a new customer, you can have the instant card info and you will receive an email right after opening the account. However, after opening the account, I didn't receive such email. So I called them again, and the rep this time told it is not eligible to me. If I had known the first time I called, I wouldn't have opened the account at all. This is false advertising. 

Then, I looked it up on their website, and saw this statement " If you need to change the shipping address, please contact us. '' under the new card deliver page. So I reached out to an online chat rep and asked if they can change the delivery address. This rep told me, he can not do it but he gave me a number and said it can be done on the phone just not in the chat. With the previous experience, I asked him are you 100 % sure they can do it. He said he needed to further check and then messaged me " Yes, I can confirm they can do it. I dialed the number he gave me, but the rep on the phone said they can not do it but I can contact the new account service department and they can help me. So I did, but apparently they also told me there is nothing they can do. They can not change the delivery address whatsoever. 

So far, aside from getting false information and lied to, nothing has been done to solve any issue with the new account opening.
Product: Checking or savings account

They received a {$970.00} check in my account that was closed which was from social security I have talked to representative after representative after representative and they told me that a check was supposed to be sent to me in a cashier 's check for {$970.00} it is my social security check I have not received no check whatsoever and I'm repeatedly being told that I have to wait XXXX business days for the receive the check now it's been over 10 days so they canceled the check and reassured me another check still no check then they canceled it again and sent me another check no check whatsoever I am fed up with it I have repeatedly told them I will be taking further actions against them and I am in the process of contacting social security to let them know what's going on and I am fed up I am angry I've been treated unfairly and on top of it I'm pretty sure the bank is racially profiling me which is a big ordeal I have never done anything wrong to anybody and I'm getting profiled I'm getting disrespected on top of getting discriminated against
Product: Credit reporting or other personal consumer reports

I had a {$10000.00} balance on my Lowes ( Synchrony Bank ) Credit card. 

I paid {$5000.00} through their online system on XX/XX/XXXX. I filled in all of the requested information and no where on their online system did it ask if this was a checking or savings.The {$5000.00} was rejected and I was notified a week later. I reached out to my XXXX XXXX and they stated the system put it through as Checking and this is why it was declined. 

After hearing this, I immediately called Synchrony Bank and spoke with a human being to explain that I would like to pay my whole {$10000.00} balance and it was a savings account. I verified the gentleman multiple times that it is a savings account and he reassured me that is ok and requested the account information. 

A week later I received notification that it was declined again. At this time I paid from my XXXX XXXX  XXXX account {$10000.00} so I did not have to deal with Synchrony 's internal issue regarding the difference between Savings and Checking. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating my account has been closed due to [ Activity on account with Synchrony Bank indicative of high risk of failure to pay. ] I immediately called Synchrony Bank and spoke to employee # XXXX. I explained the situation and she placed me on hold and spoke with her supervisor. She came back onto the phone and stated due to a credit change, Synchrony Bank has made this decision. I explained to her that I have a XXXX XXXX XXXX and this is not possible. I requested more details and was given the Synchrony customer service number again. ( She stated it was their dispute department which does not exist ) I spoke with employee # XXXX named XXXX. She had a very hard time understanding my issue. I explained it numerous times and she stated she was unable to reactivate my card. This was clearly not my concern/issue. 

She transferred me to employee # XXXX. I explained everything again and she stated she documented it. I gave her all of the details but she was unable to assist and only document things. 

This is why I came here to report this. This agency was listed on the back of the notice. I am hoping for assistance from you since this is a mistake made by Synchrony and I do not want it to disrupt my credit score.
Product: Mortgage

PHH Mortgage company still has not paid my property taxes for year 2020. 
I have been calling them since XXXX and every time I'm getting the same answer " we are working on the issue and we are sorry ''. but no one can tell why ma taxes hasn't been paid. Last month I received a 2nd delinquent notice from my county. 

Amount to be paid is : {$8800.00}
Product: Vehicle loan or lease

On XX/XX/year>, I completed an online purchase and financing for a truck through Carvana. I was approved, paid my money, scheduled to have my vehicle delivered on XX/XX/year>, I had a question, so I called carvana after the order was placed, the representative told me that my loan could not be approved and my money could not be refunded to me. I asked why it showed that I was approved and I was able to order the vehicle and the representative responded to me that that was just the way Carvana system is, I told her I wanted my money refunded. She said I would have to call my bank and have a stop payment put on it. I immediately went in and canceled the transaction. Put a stop payment on the deposit and the shipping fee. The deposit was $ {$3600.00} and the shipping fee was XXXX high immediately then called my bank and put a stop payment on those ACH is unfortunately the ACH for XXXX came in under a different name not completely Carvana so the ACH went through Carvana has no way of contacting now every time I try to call I get disconnected and they are refusing to give my {$690.00} back
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have contacted Flagship Credit, demanding that they report my account ( XXXX ) correctly with XXXX, XXXX, and XXXX. 

Despite my paying my loan on time every month since XX/XX/XXXX ; Flagship is not reporting my monthly on-time payments correctly each month.
Product: Credit reporting or other personal consumer reports

Debt invalid as it was brought to Florida civil court and plaintiff dismissed with prejudice ( XXXX XXXX XXXX XXXX ) per Rule 1.420 of the Florida Rules of Civil Procedure. Open disputed to have it removed from my report per invalid.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries have appeared on my report, which violates 15 USC 1681b ( c ) ( 2 ). This is damaging my credit score. Kindly remove these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Capital One Auto Finance are reporting an account as open when it is in FACT closed and included in a bankruptcy in XX/XX/2018. I have disputed this erroneous information and it keeps coming back verified. This account is severely dragging down my credit score. I have now been turned down for multiple loans and business credit that I desperately need to survive and feed my family because of this incorrect reporting.
Product: Checking or savings account

I tried getting a advance on my hours i worked with XXXX XXXX and bbva compass is not verifying my information like needed.
Product: Debt collection

Dear Sir or Madam : I would like to first say that I am a consumer and natural person. During the pandemic, I took advantage of the free consumer reports and I discovered two collections from Portfolio Recovery Associates. I reached out to PRA via letter dated XX/XX/2021, and I asked for validation of alleged debt for two accounts on my consumer report. As listed on my consumer reports, one says I allegedly owe {$680.00}, and the other says I allegedly owe {$790.00}. I received a letter saying they validated the debt with a remark that says " this is a communication from a debt collector but is not an attempt to collect a debt at the bottom of the letter which was confusing because they are attempting to do so, and I asked them to further explain this statement, and they also included two alleged bank statements for one account and completely IGNORED my request for the second account. 

The documents I requested from PRA included the following : 1. ) copy of application for credit to see what alleged debt they claim I owe, 2. ) copy of cardholder agreement and its amendments to show what terms of the agreement are, 3. ) monthly statements from when I allegedly had a XXXX  balance up until the final statement ( which includes all charges, credits, etc. to compare with the cardholder agreement, and 4. ) the FULL purchase agreement to determine if they had the authority to collect any debt as Ive never done business with PRA. 

I responded with a letter dated XX/XX/2021, and it was signed and received certified return receipt. In this letter, I put PRA on notice that they failed to validate the debt of both accounts and completely ignored one of my requests, and I demanded they delete both accounts from my consumer reports. PRA did not respond to my letter of me enforcing my consumer rights, and I have proof that they received the letter on XX/XX/2021, at XXXX ( Proof of certified mail return receipt delivery attached with the signature of the individual who received the letter ). 

The silence by Portfolio Recovery Associates proved admission that they could not validate the alleged debts. I do NOT appreciate being taken advantage of and damaged these years. A final demand for deletion of both accounts on my consumer reports was requested via letter that was dated XX/XX/2021. It was signed and received certified return receipt on XX/XX/2021, at XXXX ( Proof of certified mail return receipt delivery attached with the signature of the individual who received the letter ). 

I am a victim of abusive, deceptive, and unfair practices ( including debt parking ). Portfolio Recovery Associates has explicitly violated my consumer rights. 

For reference and learning my rights, I have found the following violations that PRA has committed : 15 USC 1692b ( 2 ) 15 USC 1692d ( 1 ) 15 USC 1692d ( 2 ) 15 USC 1692e ( 2 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 8 ) 15 USC 1692e ( 10 ) 15 USC 1692e ( 11 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692g ( a ) 15 USC 1692g ( b )
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I had been same day in XXXX tagget, XXXX and some electronic store purchase changes which electronics store they mentioning to in my whole life I didnt gone to that store. I reported fraud and dispute but old XXXX company not resolved it after making couple times complaint. They are haraasing that customer will pay this because of credit score.

But I never make any transaction and 15 years history never miss any bills. So please mark this as complaint and if need any details happy to provide those cards was lost stolen some one use and make fraud. Id identity theft also may be.
Product: Mortgage

Company reported me to credit agency on the presumption that a sole piece of regular mail that it sent to me was received, and ignored. I did not receive the mail that company sent me and this is the second time in approximately four years that this same situation has arisen with this particular company.