23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX. Ssn XXXX Colorado, XXXX, XXXX XXXX XXXX Amazon store card XXXX I ordered a product on Amazon but didnt receive it in full.I am unsure why the seller did this ; it may have been accidental or intentional. I returned exactly what I received. In the XXXX years I have been shopping, I have never encountered issues with sellers, and this is the first time such an incident has occurred. Amazon refunded my money after I made the return, but a month later, I noticed that money was deducted from my account again. Amazon returned again, but I was charged again by seller and my bank let him do it. Amazon stated that it was not them but the seller, and that I needed to resolve the issue with my bank. Amazon attempted to assist, but they were informed that the time frame had passed, and they could not make changes. My bank did not support my case, but I do not intend to pay for nothing.
Product: Credit card

The fraud department has had our business credit card accounts on hold for several weeks now due to payments they want to verify. Although we disagree with the fraud hold initially, we understand the need for security. What we do not understand is why the fraud hold has not been released almost 30 days after the payments were made. 

The fraud department has indicated that they want to verify the payments in question by calling the banks that the payments came from. Unfortunately, XXXX of the institutions do not disclose any information about customer accounts over the phone. The capital one fraud department needs to find a better way to verify payments, and absolutely should have a means of automatically removing security holds after several weeks. In any case, I have attached statements to this complaint, and highlighted the payments showing that they have cleared. I have also attached photo ids of the account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a complaint on Experian I have asked them about 7 time to Investigate incorrect reporting on my credit file But they failed to do their Job XXXX account XXXX account status is reporting as closed should be charged off also charged off account showing a pass due Balance of XXXX per FCRA ACCOUNT CAN'T BE REPORTED LIKE THIS WHICH IS A MAJOR VIOLATION ALSO NO ACCOUNT NOTE AS TO WHO THE ACCOUNT OF SOLD TO ETC. But yet Experian claimed that the account was verified. I'm going to need you to delete this major VIOLATION OF ACCOUNT SEE DOCUMENT DURING your last investigation I need to Know who you spoke to when you spoke to this company what info you sent to them what info that they sent you also a credit. DELETE THIS ACCOUNT ASAP
Product: Mortgage

I applied for a mortgage through Wells Fargo on XXXX/XXXX/2016. I gave them all the document that they had requested. They kept asking for the some documents over and over again. They kept saying the file was in underwriters. On XXXX/XXXX/2016, XXXX, the loan office told me that she thought I did not have sufficient income for me to get approval after talking {$440.00} for appraisal fee and {$11.00} for credit check on XXXX 2016. On XXXX/XXXX/2016 I wrote to XXXX to stop the appraisal process because there was no need to appraise the house which I did not qualify. On XXXX? 2016, Wells Fargo went a head and appraised the house against my advice. I filled a complain with the Wells Fargo de-escalation department. They acknowledged the communication for stopping the appraisal as the reason why I did not get the appraisal report. I had told them that I needed my money back. In their finding completed in XXXX, they said they did not see any reason why I should get my money back. I fell I was fleeced by the bank. Please help me recover my money from this terrible bank
Product: Credit reporting or other personal consumer reports

I am in distraught because I thought I would have beena ble to afford XXXX XXXX but because my scores are affected due to the accounts being reported on my file, I can not take care of myself better. I believe they are being reported without my permission and are most likely to be inaccurate. Please re-investigate.
Product: Debt collection

I received a few calls recently on my cellphone from people asking to speak with my mother. I asked what it was regarding or who was calling or what it was about, and they'd respond with the same script, " it's a personal matter and we can only discuss it with [ my mother ], now can I speak with her? '' This would go on and on until they'd hang up. Other times I'd tell them wrong number, don't call. Yet they kept calling. 

So today,XX/XX/XXXX at about XXXX, when I received the call, I decided to prod deeper on who this is. I asked my questions and they gave me the same script. So once they hung up on me, I called back. Told them I was in fact the person they were looking for ( I was not ), and they proceeded to ask me to verify ( my mother 's ) name, address, and social security number - all of which was accurate. I did not confirm, told them they had the wrong address and soc, and they refused to work further with me. I told them that they must, because they got my name correct. They hung up on me. 

I called again, with the same song and dance, but this time I claimed to be power of attorney for my mother. The rep, wanting proof, told me I could fax or email. I said email since that could give me info - it did. They wanted it emailed to XXXX. With quick research, unifinrs is a debt collection company based out of IL. I then began to grill this woman on the company, and she would stop to speak to somebody in the background. I made mention of this person in a flippant way, and he decided to get on the phone. A very aggressive man named XXXX. He refused to spell his last name, but it's pronounced XXXX, XXXX, or XXXX, I couldn't make it out. He then argued with me and gave me scripted lines as well when I'd ask for information about what the calls are regarding. He hangs up on me. 

I continued calling back asking to speak with him, since he hung up on me. So that I may tell him to not call and that I'd be reporting him. Also to ask for his name spelled. I was put on hold and left there, so I kept calling asking for him. Finally reached him, he argued with me and when I said I was going to report them for harassment, he then said I was the one harassing them. He refused to spell his last name and we parted ways. 

With research, unifinrs specializes in old XXXX debt. This makes sense since the only thing in collections for my mother is an unjust and disputed XXXX bill from pre-XXXX. This company calls and harasses and spits out social security numbers, without stating who they are, when they call from spoof numbers, and are rude in the process, for debts that are over 7 years old.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

*** XXXX*** View all accounts COLLECTIONS XXXX  Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX   OpenedXX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX{$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  OpenedXX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX *** XXXX*** Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX{$1100.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenedXX/XX/XXXX {$1200.00} Original creditor : 11 XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX {$1000.00}
Product: Student loan

I have a variable interest rate student loan financed by XXXX and serviced by Mohela. XXXX doesn't have customer support available for this loan and has advised me to contact Mohela directly to resolve the issue. 

My last payment was on XX/XX/year> in the amount of {$1400.00}. The interest rate at that point was 8.02 %. Since then, interest rates have dropped to 7.66 %, but Mohela has not changed my payment due on XX/XX/year> to reflect the change in interest rate. At this point, My XX/XX/year> payment is still {$1400.00} - Same as XX/XX/year>. 

I have tried to resolve the payment discrepancy by trying to reach Mohela customer service by email and phone call. I have tried to reach a resolution since XX/XX/year>, but Mohela has not taken any corrective measures. As a result, I am being overcharged on my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute over 30 days ago with Experian in regards to an item on my credit report. I sent the letter XX/XX/XXXX and have not received any notice or results document. The creditor is trashing my report with inaccurate rpeorting. Please help, I'm trying to buy a house and have run out of options
Product: Credit card

American Express has refused to work with me at all, despite medical issues affecting family members and myself. 
I generally am a person who pays my credit card bills in full, each and every month. Having interest pile up is highly discomfiting to me. As such, I have worked as hard as possible to pay off as much of my balance as possible on my Amex Blue card. However, they have been inflexible and not understanding when it comes to these issues. 

My requests for credits on my interest charges have resulted in stonewalling and a lack of proper information. I am surprised to see this callous response from Amex, whom I used to hold in such high regard.
Product: Vehicle loan or lease

Dear Bridgecrest customer service, I am writing to dispute the interest rate you are charging on my debt. I believe the rate violates XXXX XXXX usury laws. 
Under XXXX XXXX law, XXXX XXXX XXXX and XXXX XXXX XXXX, the maximum interest rate that can be charged on this debt is 16 %. The maximum interest rate is set annually by the XXXX XXXX Attorney General. 
Im seeking remedy in under XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Forfeiture of all interest ; deduction from recovery ). By law I'm looking to recover the amount or value actually lent, without interest. If any extra or illegal interest shall have been paid to you, the sum or sums so paid shall be deducted from the amount that may be due as aforesaid, and recovery had for the balance only. 
I request that you verify the interest rate you are charging on my debt and provide me with a breakdown of the fees associated with the debt.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within your Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and all 3 credit bureaus regarding a foreclosure that was opened in XXXX. My account has 9 inaccuracies. It is well over 30 days again and the account still has 9 accuracies and nothing has been updated or removed.
Product: Mortgage

On XX/XX/2020, our home loan service was sold from XXXX XXXX, operated by XXXX XXXX, XXXX. to LoanCare. We had been enrolled in a loan forbearance program while enrolled with XXXX XXXX due to the coronavirus global pandemic. This was initiated in XX/XX/2020 to expire XX/XX/2020. 
Upon transfer of our loan to LoanCare on XX/XX/2020, we received a letter dated XX/XX/2020 stating that our home loan was XXXX  months past due and was now delinquent. The letter was threatening debt collection, negative credit rating, and the possible loss of our home. There was no consideration or acknowledgement of our enrollment in the forbearance program, even though we had received confirmation of this enrollment through XXXX XXXX, XXXX. and LoanCare. 
In attempts to contact LoanCare customer service to express the concern regarding this threatening letter, I was told that there was nothing I could do because this was how they are communicating with all of their customers, even those on payment plans. However, this is a government-approved forbearance, so it is extremely unsettling, frustrating, unnerving, and angering to have our home and financial standing threatened in these unprecedented times. We were also told that we would continue to receive phone calls and letters with these continued threats of delinquency until payments resumed. The customer service representative implied that she had received MANY phone calls with this same complaint, but was unable to offer any other solutions. 
Our hands are tied at this moment and we are stuck with this company that seems to have no regard for their customers. I am also wary of how this company appears to be ignoring our forbearance and I am untrusting of whether or not they will attempt to follow through with their accusations of delinquency. If there was a way to transfer our loan, I would because the way this company is treating their customers is extremely poor practice and does not foster trust in their service, which should be paramount in our loan service provider.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing to formally raise my complaint regarding the inaccurate credit information present on my credit file. These inaccuracies not only cause embarrassment but also hinder my ability to access the credit I rightfully deserve. It is well-established by law that credit bureaus must report only precise credit information. It is evident that the inclusion of this erroneous information is either a mistake on your part or on the part of the reporting creditor. It is disconcerting to find that the following information has been included in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these fraudulent accounts in my credit ASAP.
Product: Credit card or prepaid card

I get notifications on my phone any time a withdrawal is taken from my direct express card I pay all of my bills with this card and I also shop online with this card, all of my purchases and bills are the same every month so my question is why would they allow a purchase from somewhere I never shop to go through and on top of that they let it happen not once or twice but 3 times and after the first time when I called and complained about it I never got my money back and it has happened twice since then. Today XX/XX/2021 is the first time I actually read the terms and conditions and It says that they would freeze the card if they suspect suspicious activity, well if thats true why didnt they freeze my card when they saw these purchase on my account especially when I called and complained that I didnt make this purchase the last time this happened was XX/XX/2021 about two weeks ago.
Product: Student loan

on XX/XX/year> I received a letter from the creditor stating that my loan was paid in full. As of today, the company has reported XXXX late payments to my credit report. This is an inaccuracy on their end.
Product: Student loan

On or about XX/XX/2019, Navient sent me notice indicating it had " recently received notice that you filed for bankruptcy '' and requested I send information regarding the First Meeting of Creditors. I don't know where they received information that I had filed for bankruptcy. 

On XX/XX/2019, the phone calls began. Some man with an accent started calling ( XXXX ) or something like that. He is unable to understand what I say to him - often misinterpreting what I say and then accusing me of lying to him afterward. 

On XX/XX/2019, I had enough, I laughed at the information he said back to me because I said none of those things. He said " I don't understand how you live your life, last time we talked you were crying and today you are laughing. '' I immediately asked to speak with someone else that was not rude but instead received a phone call from an unhappy woman that continually accused me of never wanting to pay back my loans. I told her the phone calls stress me out and she said " I'm gon na stress you out right now and personally refer you for litigation '' and then hung up on me. 

Today, XX/XX/2019, XXXX or whatever the man 's name is, called me and asked me how I sleep at night. This upset me. He again asked if I was laughing. 

Phone calls by these individuals treating me like I am some awful human being that committed heinous crimes because of my financial inability to pay {$1000.00} per month for the rest of my life should stop. 

I should also note that XXXX called and left my brother a voicemail indicating that I have " abandoned '' the loan.
Product: Debt collection

I am writing to formally dispute the collection account listed under XXXX. XXXX, XXXX, as it appears in my credit report. Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I have a legal right to request and be provided with specific documentation and proof to validate this debt. I have made multiple requests to XXXX. XXXX, XXXX for such documentation, yet they have failed to provide sufficient evidence to validate this debt. 
On XX/XX/year>, I sent my first letter requesting validation of this account. I followed up with a second letter on XX/XX/year>. Despite these requests, XXXX. XXXX, XXXX has not provided the necessary proof to support the legitimacy of this debt. As a result, I am requesting that Experian remove this account from my credit report under the XXXX XXXX XXXXXXXX XXXX XXXX. 
Specifically, XXXX. XXXX, XXXX has failed to provide the following : a ) Proof that they are licensed or legally authorized to collect debts in the state of XXXX. 
b ) Proof of their bonding agent in case I need to seek legal counsel. 
c ) Proof of their authority in the collection process ( e.g., debt buyer, XXXX party ). 
d ) Proof that the original creditor authorized them to collect the debt on their behalf, including the name of the original creditor and the delinquency date. 
e ) Proof of any agreement or signature ( WET SIGNATURE/INK ) between XXXX. XXXX, XXXX and I, XXXX XXXX XXXX, related to this alleged debt. 
f ) The Master Bill of Sale related to this debt. 
g ) The agreement granting them authority to collect the alleged debt. 
h ) Proof that they sent a XXXX XXXX to me, which is required prior to reporting this collection to any credit reporting agencies. 
i ) A formal declaration, notarized, swearing to the truth of the facts, confirming firsthand knowledge of the matter.
Product: Debt collection

Few months back I got contacted by an debt collector from Tower loan. She kept calling me almost each day. I thought it is a fraud call as whenever I asked her to send me a documented copy of the loan paper that shows that I have taken that loan, she denied. Instead she asked me to go there in their office, which did not make sense to me as long they can not share the real proof that loan has been taken on my name. This kept happening and I still continued to think that it is a fake call. I also kept getting mails from tower loan which just tell that I should go there and talk to them. All of these seemed nonsense to me as they could not provide the real document. In the meantime I moved to Georgia where I got a new job in XXXX. when I got the last mail from Towerloan, I got suggested by my friend to check my XXXX report, which showed the loan that tower loan kept claiming that I have taken from them. This made me realize that something really wrong has been happened.
Product: Debt collection

On XX/XX/2021 I filed a complaint with the Consumer Financial Protection Bureau, under complaint number XXXX. Against Medicredit for account number XXXX. 

The company responded with a copy of some documents that do not belong to me. They attached an invoice under the name of XXXX XXXX XXXX and some other contract that I did not sign. 

The documents they provided appear to be medical and it mentions XXXX XXXX  XXXX from the XXXX. If this was the case with another patient, how did the patient sign that document?. Also the document they provided does not have my signature because I have not been in that situation, apparently this is a fraud account opened in my name and this medical collection agency needs to investigate with their client " XXXX XXXX '' and ask from them to provide the copy of the identification that they have to investigate who this account belongs too.