23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I'm experiencing a financial hardship, and am behind on paying back the loan. Prosper is calling me to talk about this ( which in and of itself is fine ), but they are calling incessantly. 
They've called me 10 times in the last three days. 

On XX/XX/XXXX, they called me at XXXX, XXXX, XXXX, and XXXX ( all times I was unavailable due to work ). 

On XX/XX/XXXX, they called me at XXXX, XXXX, XXXX, XXXX, and XXXX ( all times I was unavailable due to work ). 

On XX/XX/XXXX, they called me at XXXX, and I was available and answered the call. It was an automated call that then began to " connect me to an agent '' as though I had called them. I failed to get connected to an agent because, according to their website, they don't have support hours on the weekends. So they're also placing automatic robo-calls to my phone to connect me to their support team on days that their support team isn't even working. 

I'm happy to talk with them, which is why I answered their phone call this afternoon ( the XX/XX/XXXX call ), but it's absurd to not only receive so many phone calls ( XXXX in XXXX days even! ), and for those calls to be an auto-dialer that then acts like I called them.
Product: Debt collection

We were wrongfully turned over to collections from a hospital. We had paid monthly on the debt and had no clue we were in bad standings with them. We then received notice from Rocky Mountain Recovery ( the collections agency ) that we owed them {$3600.00}. 

When I asked when the debt was turned over to them, I was lied to. One lady said we were turned over XX/XX/XXXX, another lady claims we were turned over in XX/XX/XXXX and one in XX/XX/XXXX. Still dont know the right answer because they ended up telling me that once they receive a debt from the hospital they will start calling and trying to collect payment within 30 days of receiving the debt. I didnt hear anything from them until the middle of XX/XX/XXXX, when they sent notice that we owed them money.

We have talked to them many times to try to work something out. ( XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,XX/XX/19,XX/XX/19, XX/XX/19 ). Then on XX/XX/XXXX, I talked to one lady who claims I wasnt responding and no one had talked to me since the XX/XX/XXXX so I started documenting every phone call after that. 

We obtained a loan and offered them a lump sum of {$3400.00} which they refused. So we did research and found out we could pay the hospital directly, since they are the original creditor. We paid the balance of {$3200.00} to the hospital. The hospital sent me a notice that they retrieved the debt from Rocky Mountain recovery and it was paid in full.

Rocky Mountain recovery keeps bugging us for payment and claims we owe them all the interest thats left on the bill. They also will not remove it from our credit report. It shows we owe them the full amount of the debt plus interest. We paid the hospital and I have proof of payment!!
Product: Debt collection

In accordance with the fair credit reporting act, this creditor, " CAINE & WEINER '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I came across some discrepancies in the way accounts are listed on my credit file.
Product: Mortgage

We have been trying to get a reverse mortgage but we do not have enough equity. We requested Ocwen to accept a discounted payoff. At first the request was denied ang on XX/XX/18 I received a letter from Ocwen that they would accept a 90 % of principal balance payoff. Ocwen stated that XXXX XXXX, the trustee, had requested the discounted payoff. When we tried to move forward and asked for the discounted payoff letter from Ocwen, we were informed by Ocwen that because of the status of the loan, it was not eligible for a discounted settlement. The status being that the loan is current.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees. 

reached out to all XXXX credit bureaus by phone and by mail no update no investigation paperwork or update, and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone use my information in another state to get open an account and also medical treatment without my knowledge until I pulled my credit report. I have already submitted all documentation to all parties involved and have not received any documentation showing that this belongs to me. They all failed to verify the information but still have it on my credit report. Please delete all this fraudulent accounts on my report.
Product: Money transfer, virtual currency, or money service

Morning, I have a Goldman Sachs Apple Card. I used it to purchase an XXXX XXXX and watch back in XX/XX/XXXX. I was having user ability issues and during the peak of covid most apple stores were limited so I returned the items the same month of purchase, XXXX of XXXX. Install payments seized after I returned the products. In XXXX, XXXX i starter being charged install payments in the amount of {$11.00}. Once I noticed this amount was being charged for a returns item I immediately contacted Apple and Goldman Sachs. I have made many calls and get transferred multiple times. They have proof the items were returned. I made a duplicate payment in the month of XX/XX/XXXX and I should actually have a credit on my store account. They took the duplicate payment and applied it to XXXX XXXX for products returned. If this sounds all confusing to you I understand but the issue is they keep charging me. When I asked them to close out my card due to their own incompetence they read a disclaimer that I would be responsible for the total bill owed. I am not paying for installment payments for products returned. They keeps charging me monthly and while everyone is polite and kind when I call they continue to charge my account. I was told that my account would be frozen while they investigate the matter but instead I received a letter stating it Thuy are trying to collect a debt. They have failed to show my why I am being charged this amount and havent cleared this matter up. I have asked them to contact their tech support. They keep misappropriating my payments and I dont owe them money. They have failed to return my funds and I am thinking about contacting the media. I have never had a credit card fail to investigate fraudulent charges to an account and they have the nerve to send me a bill requesting payment.
Product: Credit card or prepaid card

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Lender Executor, Administrator, holder in due course, for any and all derivatives, thereof for the surname given XXXX XXXX, XXXX XXXX and have been appointed and accepted the executor, both in public and in private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX, XXXX XXXX and autographed as an agent, attorney in fact, so be it ; I decided to applied for the TJX rewards master card in good faith and was denied. This corporation is out of line, as the original creditor I, the natural person, am the only original creditor, and the only one with power to created and discharge debts, this company denied me my right of credit Under the FDCPA this is a violation that carries civil liabilities of any and all actual damages. I am well aware of the United States Code ( which are federal regulations that must be followed by all corporations. Also I have provided a reference to the Code of Federal Regulations, which the person d/b/a SYNCHRONY BANK is in violation of. 
here is an enumerated list of codes they are in violation of : 15 U.S. Code 1681k ( 1 ) // 5 CFR 752 - adverse action 15 U.S. Code 1692 a ( 4 ) // original creditor 12 U.S. Code 83 ( b ) // banks can not lend their own stock 12 U.S Code 1431 // a banks job is not to extend credit 12 CFR 1026 // truth in lending, Regulation Z 15 U. S. Code 1692k ( a ) ( 1 ) - civil liabilities. 

application number for said denial is : XXXX This company has injured my reputation ( my consumer report ) and has tarnished my good name. Has deceived and misrepresented my name and has had a hand in the perpetuating the fraud and deceit that exist in the sovereign land of The United States of America. All of these actions carry civil liabilities for any and all actual damages. 
this is also and " unlawful contract '' since a lawful contract involves factors such as : Full discourse, equal consideration, lawful terms and conditions, wet ink signature of both parties. since there is no statue of limitations on fraud, and this company has not provided nor has a remedy in mind to offer me I will list the expected remedy that I seek. 

these are just some of the federal regulations this company has violated, when the letter In the Mail arrives I will be sending this company an affidavit of truth with an invoice and these papers will be notarized should you choose to challenge my demands. I will be expecting some form of rebuttal or to be heavily compensated by check.
Product: Credit reporting or other personal consumer reports

The account was paid on time from the insurance and XXXX but XXXXXXXX XXXX and XXXX reported it as a charge off. It is hurting my score
Product: Debt collection

This company I disputed due to same happens with a XXXX XXXXXXXX card
Product: Credit card or prepaid card

XX/XX/XXXX I seriously concerned and disappointed in how Barclays charge interest, apply late fees, and apply other hidden costs to keep the balances high on my credit card accounts ending XXXX and XXXX even after I make substantial payments. 

I noticed that if I make a payment on the due date after XXXX ( CST ) which is XXXX ( EST ) you apply late fees ; this is fraud. 

In addition, the amount Barclays charge toward interest and the ending statement balances do not correspond ; this too is fraud.

Finally, I can not determine how Barclays is calculating the interest payment in order to obtain the amount of true interest owed - when I try to add or calculate the interest listed it does not match Barclays amount ; this is also fraud. 

This has been occurring since XXXX on the account ending in XXXX and since XXXX on the account ending in XXXX Regards, XXXX XXXX XXXX
Product: Credit card

I purchased two round trip airline tickets through XXXX XXXX on XX/XX/year> for {$730.00} each using my Chase credit card. I canceled them an hour later. 

I received a full refund for one ticket, but only a partial refund of {$100.00} for the second one. Both tickets were canceled within XXXX XXXX policy guidelines of XXXX hours, so I disputed the charge for the remaining amount of the second ticket ( {$630.00} ). 

Chase replied that the merchant had no record that my cancellation met their policy guidelines. 

I provided Chase with proof that the tickets were cancelled within XXXX XXXX 's policy guidelines and that I was due a full refund. 

Chase replied that " the results of their investigation confirm that the transactions are valid ... " but they provided no explanation of how they could be valid when I provided them with proof that XXXX XXXX told me I would receive a full refund. 

I escalated the issue and was told that my only recourse was to work it out myself with the vendor
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed from my credit monitoring service with XXXX that my personal information was listed on the Dark Web. A few weeks later, I was alerted about some new inquiries on my credit report. I reported the incidents to the FTC and created a report to submit to the credit bureaus that reported the information. The unauthorized inquiries are still reporrting on my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding their continued restriction of my access to my credit report, despite my compliance with their documentation requirements. I submitted the necessary documents requested by Equifax numerous of times since last year, including types of documents, proof of identity, proof of address, along with a cover letter as requested. However, I have yet to regain access to my credit report, and attempts to resolve this matter directly with Equifax have been unsuccessful. 
This issue has caused difficulty applying for credit, inability to monitor my credit, and I believe XXXX actions are both unreasonable and detrimental to my financial well-being. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that Equifax restores my access to my credit report promptly. Please let me know if additional information or documentation is required. 

Thank you for your attention to this issue. I look forward to your response. 

XXXX XXXX XXXX
Product: Debt collection

This company has contated me regarding a debt. They did not provide any information, but instead asked for my information to validate debt. Additionally, I have verified with the State of Florida Office of Financial Regulation said company is not licensed to collect debt in the State. Their license XXXX was revoked. I am asking that they have said unverified accounts removed from my credit report.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXX XXXX XXXX is from fraud. It needs to be removed from my credit report. I have reported this problem multiple times
Product: Debt collection

I had a XXXX in XXXX XXXX and was transported to the hospital by ambulance. I had medical insurance at the time but I did not have my insurance card at the time. Later, I called and provided my insurance information but the amount on the bill never changed. I called again but they insisted that I still owed the same amount regardless of insurance. After my refusal to pay, due to the refusal to apply my insurance, they sent my account to a debt collector. This was about 5 years ago and Apex ( debt collector ) has continuously called, at all hours of the day yet they never leave a message nor have I ever received a paper bill. This debt is negatively affected my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Clarity services inc XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these account inquiries are not accounts of mine and I don't recognize them did not authorize them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been turned down for credit. The letter was from XXXX XXXX. out of California. I have never even heard of this company. To get a copy of my credit from them I am required to send hard copies of my personal information to them by mail or fax. Well that opens me up to identity theft. Who are these people? What happened to XXXX, XXXX & XXXX. Why is it companies can access this information from who knows what company about me but I can not? This isn't the first time I have had problems. Companies can access this information on me in detail in a matter of minutes. They are showing my credit score lower than any of the other credit bureaus. Really? How many more anonymous companies are out there making up junk on me? And they are not even signed up with the Consumer Financial Protection Bureau. Who gives them the right to handle credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there is a fraudulent account on my credit report. This account is fraudulent and does not belong to me. Therefore the account should not be on my file. Attached, you will find a copy of the Federal Trade Commission 's claim and a copy of my license. Please remove the account as soon as possible. According to 15 USC 1681 C-2 Subsection ( a ), you have 4 business days to block this information from my report. This was request was not made in error. I, XXXX XXXX, did not give any credit reporting agency written instructions to include this fraudulent information in my report.
Product: Vehicle loan or lease

I purchased A car XXXX XXXXXXXX XXXX XXXX  from XXXX XXXX, XXXX in. XX/XX/XXXX. I think I may have been part of XXXX XXXX. I traded in a XXXX XXXX XXXX ( XXXX ). The XXXX did have a balance and with the price of the XXXX XXXX my payments seem to be high at {$450.00} biweekly. This is my first car financing on my own and maybe there were some things i didn't understand regarding financing. I didn't realize I would spend {$900.00} a month for a car note. In further review of my paperwork i realized I have gap insurance, but no one discussed this with me ; Hence the gap document isn't signed by me. gap insurance is something i could've picked up off my car insurance. I'm assuming the extra $ XXXX is from gap. I was under the impression my entire car note was {$450.00} a month with {$250.00} biweekly payments. I'm now in jeopardy of losing this vehicle, as it's been very difficult to maintain life. I needed the vehicle to have reliable transportation due to a son on the XXXX  with therapy Appointments. weekly. He has a certain school he must maintain days enrolled and needed reliable transportation. if someone can review my sales contract to see if this was predatory lending or an issue of a misunderstanding. Thank you in advance for the prompt assistance. There are discrepancies with my trade in amount, upside down balance and GAP charge.
Product: Mortgage

XXXX XXXX scammed me charging me to get me a modification. I spent over 2 years sending them my financials. All they had me do was file bankruptsy. Finally I felt like something was wrong because I never received a review or solution. He told me to never call the bank and they would handle everything. I finally got my daughter involved and she found out through the bank ( XXXX XXXX XXXX ) they never received documents to review. WE submitted a full financial package immediately directly to the bank-XXXX XXXX XXXX and since then the bank as neglected to deem complete even though they say they have it in the system. The last missing document they requested before due date of XX/XX/XXXX has been in there system since XX/XX/XXXX and they have failed to acknowledge it nor even notifiy of any further new requested items. several agents say yes its there what they requested but no one has deemed it complete for over a week causing this to be way over violation of CFPB. Now a sale date is scheduled and the bank has not requested to suspend or cancel knowing we have a full financial package for modification review in their system!!! I have been sending docs and speaking with agents directly on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX with 3 collection supervisors because they refuse to xfer to anyone in loss mitigation and advised they do see where its odd its been sitting with a processor for over a week and should of been to an underwriter so far, XX/XX/XXXX with 2 other collection supervisors one of them named XXXX who refused to connect me with a loss mit team lead and said the single point of contact wasn't available and no back up is set in place. XX/XX/XXXX still no single point of contact response or connection to loss mit. Sale is still on for XX/XX/XXXX.Loan care has taken several weeks to even acknowedlge the intitial package to begin with and then constantly state to me that the bank has 60 days to review financial documents?? I understand they have to review it within 5 days max. Once I was told the bank has 2 full weeks to review a financial document that comes in. Loan Care has never been consistent in the processes, stages, turn around times and access to a loss mit agen at ANY point. Complete neglect of my mortgage handling.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX XXXX XXXX, I called the 53 bank ( www.53.com ) about my loan and said I will be unable to make payment. They agreed that it will be taking care of. But the second month into the XXXX XXXX, I got an alert from all major credit report bureaus about a 30 delinquency. 
I call 53 bank and they told me that they can't do anything about it and I should file a complaint to FTC ( www.ftc.gov ). As I tried to make my complaint to FTC, I was directed to CFPB.
Product: Credit reporting or other personal consumer reports

I Filed a Complaint with the CFPB # XXXX on Equifax and Equifax came back and said everything was reporting correctly on XXXX XXXX. Which is not, they are reporting Incorrectly ( Equifax ) is reporting Payment made XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> payment of {$37.00} each month. This is incorrect reporting again. They said it was correct but it is not. I ran my credit report from Equifax on XXXX to have proof of the incorrect reporting that they reported to the CFPB that it was correct. ( see attached report ).

Also according to the FDCPA this item must be listed as Disputed debt, which it is not ( see credit report ). I feel I need to take this to the next level and get a lawyer involved