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

This is a scam. XXXX XXXX approached me on XXXX XXXX for Real Estate FUnding. I was approved for a loan but he wanted me to send {$2400.00} to a student at the University of XXXX  and gave me her personal account number. I have not done so. His email address is XXXX. At fist he gave me his work email but his work email is XXXX. His phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX  ( women within ), XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX ( XXXX XXXX ), XXXX XXXX XXXX, Georgia XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XXXX card ), XXXX XXXX, XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX ( XX/XX/XXXX ) reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Product: Mortgage

Further to the following complaints : XXXX XXXX XXXX After putting in the previous complaints to deal with the mortgage companys deceptive practices and bait and switch techniques, I received a letter from them, denying my objection to the impact on my credit statement. And while this was XXXX of the concerns I raised because as they frivolously have denied my claims and ignored the information that I sent them and change the terms- my credit is definitely being impacted. However, this was not the primary purpose of my complaint and they addressed nothing else that I said. 

Most recently they gave me a payout number to bring my account current and told me it was good through XX/XX/XXXX and then sent me a statement with a number that was {$2000.00} higher for the same period of time. So even an attempt to pay the amount to bring the contract current is being hindered by dishonesty. This after I had to call to request the number because the email was not able to be viewed and repeated attempts to get assistance with that were ignored. 


Every day that I have to figure out where the new goal post is the amount that I owe goes up, I believe that this is a deliberate attempt to bury me as was demonstrated by offering to honor an agreement as long as I gave back the money that I received in assistance. 

This means they have no issue honoring a flex loan but they will only do it if I owe more than I already owe. 

And since I dont even know that anyone is monitoring this anymore, I am going to follow up with the lawyer who reached out to me and has apparently had other clients have issues with their deception. 

I currently have a request for modification in to them but I already know that they will come up with some reason that the information is right or enough or some other way to back me into a corner. 

Of course they have told me that I can reach out to my account XXXX but in XXXX years of trying to reach her Ive never been able to speak to her once. I have previously been told that I never will be able to
Product: Consumer Loan

I purchased a vehicle ( XXXX XXXX ) from XXXX XXXX on XXXX/XXXX/XXXX. They arranged financing through GMAC ( I will attempt to attach the Dealer Transaction form ). The automobile was titled in my husband 's name. My husband is now deceased. I am trying to get a lien release on the title from Ally ( a company who apparently bought out GMAC ). They are claiming I owe late fees on he loan ( which was paid off in XXXX of XXXX ). The payments were made via automatic draw from my account for 72 months. At no time did GMAC or Ally notify me that I owed late fees ( which I could not have owed due to the automatic payments ). I have made three calls to Ally - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I insisted I talk with a supervisor to dispute the late fees. I was connected to a man identifying himself as XXXX ( he told me he was a supervisor ). He agreed after our conversation to waive the late fees and said he would fax to me the lien release which I would receive in XXXX hours. He gave me a case number XXXX. 

I called Ally again on XX/XX/XXXX as I had still not received the faxed release. I was transferred to XXXX different people during this call ( over 1/2 hour on the phone ). I was told that there were no supervisors available and they did not know who XXXX was. They continued to insist that I owed late fees. When I asked them why I had never received notice of late fees in a timely manner so that I could dispute them - they said the address they had on file was different than what I was giving them. The last man I talked to said " It is your responsibility to contact us if you move ''. 
I have lived at my current address for 18 years. The correct address is listed on the dealer transaction form. It was an error on their part ( or GMAC 's ) if they have the wrong address. I feel as though they are extorting money from me by withholding the lien release until I pay money that I do not owe. I have asked repeatedly to talk to a manager and was told they do not have any managers available. Please advise me as to what my options are.
Product: Credit reporting or other personal consumer reports

A while ago i lost my social security card, i got a copy a while after, now i am being credited on my credit report for a {$4700.00} XXXX loan when i have not applied for a student loan nor do i even attend school, i tried going on the XXXX website and tried to log in then it is saying that they need 2 Factor Authentication when i have no info for the XXXX website nor do i have a XXXX account nor do i have an XXXX XXXX  loan. i have tried contacting the company XXXX but they do not have a customer service email, they also do not have any operator on the phone line to speak with and i have called 3 days already and nothing, i was also on the phone with XXXX XXXX Equifax
Product: Credit card

after paying off my monthly balance of about {$120.00} i used the card for XXXX purchases totaling about {$95.00}. I then got a statement saying my balance was about $ XXXX.I called the company ( capital one ) and did not get a resolution, only rhetoric. I then canceled the card only to receive an e-mail that repeated the same disputed amounts
Product: Checking or savings account

Without notice the account closed. It was in the negative for about 2 months. I contacted them to ask for a fee reversal and made a deposit of {$20.00} into the account. Without any communication they closed the account. This is a necessary representative payee account that my child receives their social security deposits into.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

The following is a letter I sent to Commonwealth Financial Systems disputing the debt that I do not owe and have already paid: 


Commonwealth Financial Systems
XXXX XXXX XXXX XXXX XXXX, PA XXXX

Account Number: XXXX. 

Dear whoever it May Concern:
This is the second time that I have disputed this account with your bureau. The first time, they stated that I owed the debt, yet could NOT provide me with documentation proving that I owed the debt. This is unlawful and completely unreasonable. The Fair Debt Collection Processes Act allows me to request you to send proof of the debt through debt validation which you have not done. I have requested that your business not contact me, and yet I still get phone calls from this agency demanding that I set up a payment plan for a debt they cannot verify. This is illegal and against everything that debt creditors should stand for. 

The fact that you as a business have purchased an inaccurate and somewhat questionable collection account from me with no paper trace is unethical. I have been harassed to comply with payments that have no bearing and no trace to me as a person due to no verification. I filed a dispute with XXXX, which was submitted on XX/XX/2019. It is now XX/XX/XXXX, and the status is not yet under investigation. I demand this account be taken off of my credit report or I will take legal action against you as a fraudulent bureau. 

I made a XXXX payment to the account thinking it was another medical bill, however I was mistaken and had already paid that bill. This bill from “XXXX XXXX XXXX” is inaccurate given that I had already paid the hospital for the visit that I sustained. This is a poor practice that has negatively affected my credit and has led to many harassing and demanding phone calls from people inside your business claiming that I owe the debt, yet CANNOT supply me with ACCURATE, DATED information.

The most recent paper trail I have in my documents is a piece of mail from XX/XX/2019. I have been asking for documentation for 6 MONTHS. Medical bill collections are a violation of HIPPA, and I have had people from your business refer to my medical bill as an “ailment” when they should NOT have released my medical history without authorization. I have contacted XXXX XXXX XXXX and they have no recollection of this debt and cannot verify it either, and to reiterate, did NOT have my permission to release such pertinent, personal information about my health records to a third party creditor. 

As previously stated, this is unethical and illegal. The harassing phone calls and demands of payment for an account neither business can verify is ridiculous. If this proceeds, legal action will be taken against your bureau as a means of a fraudulent business who is not complying with the regulations set forth by the FDCPA. You would not pay a creditor that cannot verify a debt, so why should your customers?
Product: Debt collection

On XXXX/XXXX/XXXX I sent Diversified Recovery which appears on my credit report a dispute verification letter which states I 'm Deragotory, I owe {$270.00} am in collectins in reference to a XXXX XXXX acct XXXX. As I was checking around my previous credit reportI came across on XXXX dashboard the XXXX has been under enhance and XXXX/XXXX/XXXX removed XXXX XXXX XXXX/XXXX/XXXX was removed that is XXXX.Now I see is Diversified Recovery.I thought the accouunt was alrerady removed from the XXXX credit bureau XXXX, XXXX, XXXX of XX/XX/XXXX.The correspondence I received XXXX/XXXX/XXXX was a lettter acknowledging my dispute a back last bill page that I owe XXXXBill period XXXX Bill date XX/XX/XXXXbut no validation, proof or contract.I sent out a XXXX dispute letter to diversifiedafter 31 day and they sentmethe send tim.e aroundon XXXX the same letter and last bill page all they did was put a different date.on the credit report Diversified Revovery is re-aging this XXXX acct. as first opened XX/XX/XXXXor XXXXon XXXX reported XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, and XXXXXX/XX/XXXX. I have checked XXXX and Score sense ... .Is n't this a Violation? I THINK SO!!! I have had XXXX from XX/XX/XXXX until now
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX I spoke to XXXX, from Nissan Infinity Credit Services due to fluctuations in credit reporting. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported on my credit report a Charge Off and Repossession for a XXXX Infinity Q50. On XX/XX/XXXX the company updated my credit report to show a closed account. This is incorrect. If this account is closed it should have been indicated. This account has been in Charge Off Status since XXXX. Creditor intended to report incorrect information on my credit report. After contacting them several times, they're demeanor was insulting and accusatory with negative behavior. There was no professional communication with the company. I found it inappropriate and unprofessional. Again on XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a closed account on my credit report. My intension is to have the information corrected accurately. When I attempted to request a bill, XXXX yelled at me and said we mailed you a bill back in XXXX. I said to XXXX, I didn't receive a bill and that was some time ago, could you please resend me a bill? He was very arrogant and uncooperative. 
I just want a copy of the bill and also my credit report updated correctly. He continued to speak with an attitude. I then said have a good day.
Product: Credit card

I applied for the XXXX XXXX XXXX XXXX XXXX XXXX card from US Bank in XXXX 2015. One of the main reasons I signed up for the card was for the Bonus Award Nights program, which was prominently featured in the advertising on their website at the time, and which I felt justified the {$75.00} annual fee on the card. Shortly after applying for and receiving the card, US Bank informed me that the Bonus Award Night benefit was going away at the end of XXXX 2015, less than one month after they charged me the annual fee and less than two months after I signed up for the card based on the availability of this benefit.
Product: Credit card or prepaid card

The XXXX XXXX Credit Card charged unfairly a late fee, because I made the payment after the cut off time on the due date. The due date was XXXX, and I paid on XXXX in the evening after I got to sit after home chores and work. I called them, and they stated that because I made the payment after the cut off time I accrued the {$23.00} late fee. ( BIN XXXX )
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA ss. XXXX ( b ) or 15 U.S.C. XXXX XXXXXXXX ( c ) ( XXXX ), that you, the TransUnion, XXXX, and XXXX, reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of : XXXX ) XXXX  XXXX BANK XXXX XXXX ) XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The credit report maintained by you, which shows the aforementioned fraudulent items I do not recognize these accounts, collections, or hard inquiries as reported. In fact, I've been incarcerated since XXXX XXXX2022 in which I couldn't have created these accounts while incarcerated. The aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have the FTC identity theft criminal complaint number XXXX as proof from the U.S. FTC that all of the aforementioned consumer credit accounts, collections, and hard inquiries, are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ability Recovery Services llc is still reporting a fraud account from XXXX XXXX. I have disputed this account and they replied on CFPB that they was removing it from my credit report. As of today this collection is still on my credit report ( XXXX and XXXX ). This is a violation of FCRA and if Ability Recovery Services violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. At this point, I gave this company enough time to remove this fraudulent debt but they are playing games.
Product: Debt collection

Hello, my name is XXXX XXXX and fraudulent accounts were opened in my name with One Main Financial. I spoke to the branch XXXX and she said they could handle it in the office. I didn't speak to her my husband did. My husband explained to her that I work in the XXXX, and I am not able to receive phone calls. I am not allowed to bring my phone into the XXXX. They have recently started calling me at my place of employment, even though I told them I cant receive phone calls at my job. I have provided them with my Police Report, FTC Identity Theft Report and also an Notarized Identity Theft Affidavit.
Product: Credit card or prepaid card

We paid cc balance back in XXXX, 2021 Synchrony sent letters and statements that said balance is at XXXX- Then said they never received our payment but sent refund check stating this was an overpayment- Now they continue to say the overpayment was sent in error, now wanting the overpayment paid back to them. 

Weve also received letters from them continually saying sorry for the inconvenience- your balance is XXXX. 

Ive been on the phone with them over XXXX hours ( - ( ) to try and get this problem resolved.. 

Ive sent copies to them saying check was cashed by them. 

I feel like this is totally their mistakes, and tired of dealing with this mess since XXXX, 2021 Please help me get this issue resolved, I dont have money to take them to court! 

Thank you, XXXX and XXXX XXXX
Product: Debt collection

Call from XXXX XXXX Claiming they Credit Collector Agency. 
On XX/XX/2021 at approximately XXXX XXXX a call came in from XXXX, asking to verify my address and DOB ( gave it up, unfortunately ) and claiming debt is owed to XXXX XXXX from XX/XX/2021 for the amount of {$79.00}. 
They threatened to report bad credit to credit holders. 

I had my spouse speak on behalf of me because I was not aware of any debts. We decided to take their information for a call back after confirming the claim of dept through XXXX XXXX. 
We called XXXX and confirmed there is no outstanding debt. There are no existing files on their system.
Product: Credit card or prepaid card

I received monthly statement with a balance charge of {$180.00} from Amazon synchrony Bank. The charge was from Amazon for prime membership which l didnt authorize to be automatically charged to my account. Synchrony bank stated its not their problem and will not rescind the charge. Transferred me to Amazon. Amazon rep stated they can access my credit card therefore Should check again with Amazon synchrony bank.
Product: Debt collection

Equipment was returned years ago. Dont know they are still attempting to collect XXXX XXXX XXXX does not even exist in XXXX XXXX anymore.
Product: Student loan

I have four XXXX grants, each for part of my XXXX programs. I have fulfilled obligations to them, but they were converted to loans at the height of my divorce on XX/XX/XXXX. 
I have always been in this XXXX position, before I took the XXXX   grants, and remain in this XXXX  position, which fulfills all obligations. 
I had recertified every year that was required of me, and never had any change in employment, or employment position or meeting obligations. I had always communicated with the servicers. 
In XX/XX/XXXX I was completely blindsided with a divorce from my spouse. I had no idea it was coming after 13 years of marriage. It was a devastating blow to me and I still today, am recovering from the trauma it caused. I could hardly keep my head up at that time. I was already working a fulltime job as a XXXX in a low income ( XXXX ) and XXXX building where more than half of our population are English Language Learners and/or students living in poverty. I love this job and I wouldnt change anything about it. 
Besides working as a fulltime XXXX, I am also a mother. And as of XX/XX/XXXX, I became a single mother. 
So, with all of that, I communicated to the servicers what happened and that I was still meeting obligation to my grants. They did not care that I was in crisis. I was in a position where I was in a survival state and I was barely making it. And they landed that right on top of me at the height of it they said you now owe {$10000.00} more dollars plus interest. And my job, which fulfills obligations, had never changed. They had paperwork on file that showed my employment. They didnt care. 
I suffered more trauma because of what they did to me. 

XXXX  grants : XX/XX/XXXX-XX/XX/XXXX {$2000.00} XX/XX/XXXX-XX/XX/XXXX{$2000.00} XX/XX/XXXX-XX/XX/XXXX{$1000.00} XX/XX/XXXX-XX/XX/XXXX {$2000.00} Today my total that I owe is {$9700.00} -from a XXXX XXXX for 25 lovely XXXX  in an XXXX and XXXX XXXX building.
Product: Mortgage

As a customer I am utterly disgusted and incredibly frustrated with how PrimeLending has handled my loan. After I sold my house in XX/XX/XXXX, I expected to receive my escrow check in the amount of {$5700.00}. The check released on XX/XX/XXXX was sent to the wrong address. I called and had it corrected in XX/XX/XXXX and still no check came in XX/XX/XXXX. However, I had received several letters confirming my address so I know there was no issue with the mailing. On XX/XX/XXXX I called again spoke with a supervisor and was informed that the check would be expedited. 

As of today, XX/XX/XXXX I still do not have my check. The representatives and supervisors in customer service do not keep accurate notes of my phone calls and I repeatedly have to go back and forth with them on the issue. If I were the one who owed PrimeLending, there would be dogs and bounty hunters on my back.

I have mailed letters and sent faxes demanding there be some urgency behind refunding my money. It is money that I paid into the account for my property expenses and it is rightfully mine. PrimeLending has a legal and moral obligation to return it. I've even reached out to my original loan officer to have her help me reclaim my money. No one at Primelending seems to care how poorly this has been handled. Even the supervisors don't seem to put any urgency behind the matter. Every time I call someone knew tells me to wait, they say it will take 48 hrs to research the account then another 14 days to send the check. Why does it take so long??? Only for me to find out, it was never done!! I want answers from someone in the company who can make executive decisions and overnight me my funds! I'm hoping this complaint will put some pressure on them to move this along.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed to transunion for several inquiries previously removed from report but added back without 5 day notice as required by law also several accounts show in correct or incomplete information listed below The account listed shows derogatory but also status status unknown no historical payment history XXXX balance this is conflicting information previously removed durning a credit dispute added back with no notice to consumet 1/ XXXX  XXXX 2/XXXX  XXXX # XXXX 3/ XXXX XXXXXXXX # XXXX 4/XXXX XXXX  # XXXX 5/ XXXX XXXXXXXX # XXXX 6/XXXX XXXXXXXX # XXXX 7/XXXX # XXXX The following account show as in dispute however Im not of dispute of these accounts 1/XXXX remove dispute comments in all accounts for this creditor Lastly the following inquiries were previously removed now added back without a 5 day notice XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX