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

Indigo credit card companies website does not show transactions of purchases and can not navigate through the website only by phone calls and they keep on changing withdrawals from the account and can not use a credit card for 14 to 21 days after making a payment.Logging onto their website try to hit contact or anything on the website shows no pages found
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX. I disputed these items and your company said that the listed companies were verified as accurate. I was in dispute with the results and requested a method of verification, which is within my rights according to a section in 611 fcra. I have asked several times for them to provide that information to me and it seems as if they refuse to. The company only had 15 days to provide that information according to fcra or if not I can sue for damages if they are not able to provide. Its been over 2 months and I still have not received a response 3rd request. Also they are reporting a company I do not have a contract to pay them and they are not suppose to be reporting on me. The company is XXXX XXXX XXXX. The company and experian are really not in compliance when reporting information on me. And experian is not in compliance when reporting any of the other accounts because they can't provide methods of verification. This means that experian is not properly reporting due to noncompliance of not being able to provide verification of the accounts in question.
Product: Mortgage

My previous loan terms with PHH mortgage prior to requesting forbearance assistance due to COVID-*under Cares Act-initial interest rate 2.875 % with mortgage payment of {$1400.00} loan maturity date XX/XX/XXXX, loan balance {$310000.00}. 

I requested forbearance on my existing loan in XX/XX/XXXX and requested to resume payments in XX/XX/XXXX. During the forbearance period I was unable to make any payments- ( see attachment from payment portal ) even though the PHH confirmed I could make payments during forbearance. It took several months to process the modification and finally I was approved and received the loan modification terms- ( only 1 option available ).

PHH proposed my new term : New principal balance $ XXXX ( original loan amount was {$320000.00} at time of purchase in XXXX ) : Interest bearing principal balance- $ XXXX ( VA loan guaranteed {$94000.00} ), interest rate 7.125 % - ( previous interest rate 2.875 % ), loan payment {$1700.00}, maturity date XXXX ( 5 YEARS ADDED TO LOAN TERM- {$100000.00} ) - This appears to be in violation of the Fair Lending Act and PHH failed to offer ALL products available- ( only1 option offered ) and under the VA Loan-the mortgage provider can not ask for the lump sum payment- ( which this was the only option offered I am a XXXX veteran and a XXXX XXXX ( XXXX  ) and contracted XXXXXXXX XXXX XXXX during the pandemic. I suffered a financial hardship during the Covid Pandemic. PHH approved my mortgage forbearance in XXXX ( NOTE I WAS NEVER ABLE TO MAKE ANY FULL/PARTIAL PAYMENTS DURING FORBEARANCE PERIOD-SEE ATTACHMENT FROM PAYMENT PORTAL ). Programs like the CARES Act were put in place to assist individuals financial impacted by the COVID pandemic and to prevent further financial hardship. 

I requested a forbearance for 12 months- ( approx. {$18000.00} of mortgage payments ) PHH is practicing predatory lending practices by seeking financial gain due to the COVID pandemic. PHH proposed an increase in my interest rate- ( partial amount due to VA guaranteed loan ), increase in mortgage payment, and ADDED 5 YEARS TO THE LOAN- ( TOTAL {$100000.00} ). THIS IS THE ONLY LOAN PRODUCT PHH OFFERED WHICH INC
Product: Vehicle loan or lease

Volkswagon Credit is discrimnating against me solely because I did not buy a volkswagon. They are refusing access to my account. I can not view anything without calling them. In this age, that is absolutely unacceptable. They do not email receipts. Mailed receipts take 4 weeks at minimum. This has been happening since XX/XX/2022. For my own security I want them to remove my banking information from my file. They are refusing to do this. I can not personally monitor my account for fraudulent activity. This puts me at significant risk of fraudulent activity because my identity has been stolen.
Product: Debt collection

Tried to contact me numerous times. Over the phone in which I have asked to verify the original creditor had updated the amount owed to show correct amount, I had also asked for a written confirmation letter of amount owed so i could pay. Which as of  XXXX  they said they had finally sent but I have not received. When I said I need this I was told they are going to contact  XXXX   county s aying i refuse to pay which was incorrect. I am trying to get confirmation on amount owed with their fee. They have been abusive with harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 the following derogatory marks and collections were added to my credit report per Experian, XXXX  and XXXX  reports ; XXXX  XXXX  XXXX Amount {$2800.00} XXXX XXXX XXXX Amount {$300.00} XXXX  XXXX Amount {$560.00} XXXX XXXX XXXX XXXX Amount {$1300.00} XXXX XXXX XXXX {$970.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused bill at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to, has violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Zelle charged me twice when sending rent to my landlord. Rent this month was {$1100.00}, and when I sent it there was a separate charge of an additional {$1100.00}, which put my bank account into an overdraft of around - {$700.00}. I contacted XXXX and they said there is nothing they can do as it is an issue with Zelle themselves. This is a HUGE breach of trust as XXXX owns part of Zelle and the service is plastered all over their app. I don't know what I am supposed to do, as the remaining money in my account was to be used to feed myself and pay the month 's remaining bills. Now I will incur many more late fees because of this egregious failure to refund their customers who use one of THEIR PRODUCTS. I will be switching banks. I would like to add that I hope a class action lawsuit results from this and that I will most certainly take part. The amount of emotional and financial damage this is causing me is unbelievable.
Product: Bank account or service

Account that I never over drafted to my knowledge. It shows I had XXXX accounts when I actually had XXXX. These people tried to pin XXXX accounts on me that I did n't know existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, XXXX XXXX, and Ally. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.
Product: Debt collection

I have been a mobile phone customer of XXXX XXXX XXXX for 16 years, never once was I late on a payment. Last XXXX I ordered a XXXX line from XXXX XXXX XXXX but decided to use a local company called XXXX XXXX instead of XXXX XXXX XXXX. I cancelled the XXXX account which XXXX XXXX XXXX has confirmed and sent back the modem per their instructions. 

I am currently applying for a mortgage, I am an SVP in the mortgage division of a major bank, they advised me that I have an {$82.00} charge off from Franklin Collection ( XXXX ) XXXX that was referred to them by XXXX XXXX I had no knowledge of this account. The charge off has lowered XXXX of my credit scores from the high XXXX '' XXXX to the high XXXX 's. I called Franklin Col and they advised that the {$82.00} charge was for the set up fee of the XXXX modem. When I told them I never received any notice of this debt and was completely unaware of it I found out they were mailing the notices to the wrong mailing address. I live in a townhouse with a street address of XXXX XXXX XXXX XXXX, NC XXXX but XXXX XXXX will not deliver any mail to this address, it must go to my XXXX XXXX XXXX XXXX, NC. XXXX XXXX XXXX had the correct mailing address information for my XXXX XXXX XXXX mobile accounts ( I get a paper bill for my mobile accounts every month from XXXX XXXX XXXX ) as well as my cell phone number and email address but apparently did not pass this information to Franklin Col. 

I have made XXXX or more combined phone calls to XXXX XXXX XXXX and Franklin Col to pay and get my credit report changed due to the lack of notice but all they will tell me is to make a payment. I have made the payment with no paper bill but that is not my major concern, I now have credit scores XXXX points less and will have to pay potentially hundreds if not thousands of dollars more for a mortgage for a debt I did not know about and was never notified about. 

Can anything be done to help me get this repaired. 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account no. XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo bank customer since XXXX XXXX, XXXX. 

On XXXX XXXX I received a statement, on XXXX XXXX, XXXX no statement was received. All my payments are sent out on or before due date. ( Please check your records. ) On XXXX XXXX, XXXX, I received a call from a Wells Fargo representative stating, that No payment was received for XXXX or XXXX XXXX. I explained to the representative that, I never received a monthly mortgage statement nor a delinquent notice letter of the amounts past due. I agreed to make payments during our conversation for XXXX and XXXX XXXX, XXXX. In addition, payments was made for XXXX, I set-up an automatic payments to avoid late payments. During our conversation, I continued to explain to the representative that, this should not be reported on my credit report, in which Rep., agreed at the time she will have it not reported and the late payment will be removed, because of no statements were not sent out during this month. 
On XXXX XXXX, XXXX, I yet not to receive a statement from your office. 
I am currently in the processes of purchasing a new home due to damages on my home, due to hurricane XXXX. But, because I have a delinquent notice on my credit report I might not get the loan. The loan officer request that it should be removed immediately. 
Can someone contact me with 2 business days to have this matter removed or I will not seek a new home. This matter shouldve be resolved when the representative stated over the phone. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

convergent is attempting to collect on the debt that is not valid. They claim to be collecting on behalf of XXXX which I was never in default still have my account active and current. I did request validation from XXXX the original creditor who stated there are NO past due account or collections in my name however convergent is threatening to garnish wages and to sue me for this erroneous account please help me stop this scam
Product: Credit reporting or other personal consumer reports

I have been disputing the same accounts for the past couple months which have been coming back as Verified. I received a letter in the mail ( attached to complaint ) from XXXX XXXX XXXX stating that my information was leaked in a data breach around XXXX ( around the time I began noticing fraudulent accounts appearing on my report and started disputing them ). I submitted an ftc report with the data breach information already ( also attached ). Under 15 USC 1681i ( a ) ( 5 ) ( A ) you MUST REMOVE all fraudulent accounts listed below which under 15 USC 1681i ( a ) ( 1 ) I have the right to dispute all inaccurate information.XXXX XXXX bal {$1500.00}, XXXX bal {$3400.00}, XXXX bal {$160.00}, XXXX bal {$0.00}
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my Social Security number. I am a victim of the data breach/identity theft. I contacted the federal trade commission, and filed an FTC report number : XXXX. Which is attached, please block and remove all information from my credit report and send me an updated copy of the credit report. 

Under 15USC 1681 c-2-c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving the complaint consisting of the information below : Collection accounts : - [ x ] XXXX Opened : XX/XX/XXXX Amount : {$120.00} - [ x ] XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$5600.00} - [ ] XXXX XXXX Opened : XXXX XXXX Amount : {$9900.00} Inquiries : - [ x ] XXXX XXXX XXXX XXXX XXXX, XXXX - [ x ] XXXX  XXXX XXXX, XXXX - [ x ] XXXX XXXX XXXX XXXX, XXXX - [ x ] XXXX XXXX XXXX XXXX XXXX, XXXX - [ x ] XXXX XXXX XXXX XXXX XXXX, XXXX - [ x ] XXXX XXXX/ XX/XX/XXXX Failure to respond satisfactorily will result in a small claims action against your agency. I will be seeking damages but not limited to each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information they are not showing all my loans and as of that showing wrong credit score... They don't have my XXXX XXXX pickup loan on there # XXXX opened XX/XX/XXXX for {$10000.00}. Current owed {$5500.00} 100 % payment history, XXXX XXXX XXXX  of mn. XXXX XXXX XXXX XXXX XXXX MN XXXX... Phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute package to Experian. This package contained proof of my identity and current information -- along with letters and proof of identity theft ( affidavit and police report ). The investigation was completed however not all of the accounts that were  opened as a result of the ID theft have been removed, nor was provided with any debt validation information ( 15 U.S. Code 1692g -   Validation of debts ) or proof. The following accounts need to be removed from credit report :  XXXX   XXXX  {$3700.00},  XXXX  {$3000.00},  XXXX  {$3000.00},  XXXX   XXXX  {$1600.00},  XXXX    XXXX   XXXX    {$20000.00},  XXXX  {$790.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am a victim of identity theft. I have placed several fraud alerts to prevent any new fraudulent activity on my credit report. Recently, there was inquiries made on my report that I did not authorize. Please remove these from my credit profile immediately. Attached is my FTC affidavit along with my drivers license.
Product: Credit card

Every time I try to pay this bill it's a return fee that keep returning the money this is an ongoing problem I can't seem to get this balance down they are playing tricks with my bank account wait till the last minute and then pull the money out and then charge me a return fee this is an ongoing process what they doing
Product: Prepaid card

I filed claims with BofA XXXX prepaid claims Dept. On or about XX/XX/2023 is when I 1st received a debt card from BofA for the 1st time. I've never before have gotten any card or cards from BofA EDD prepaid Dept.i downloaded the BofA prepaid App on my phone. As I scroll through the app, I notice the transaction on the transaction history that there was deposits that I never used. So I requested copies of transaction history to be sent to me. I come to realized that I never received or used any funds that's showing on the statement. So I contacted BofA and let them know about this problems. They denied all my claims.
Product: Credit card or prepaid card

I purchased three tickets from a ticket reseller to a XXXX XXXX  race on XX/XX/XXXX with my Capital One Visa credit card. The race was schedule to occur XXXX XXXX of XXXX. The ticket purchase was billed in 6 installment payments, totaling {$3500.00}. The payments and dates were as follows : {$590.00} on XX/XX/XXXX ; {$580.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; {$590.00} on XX/XX/XXXX ; {$580.00} on XX/XX/XXXX ; {$550.00} on XX/XX/XXXX. 
The race was postponed due to the COVID-19 pandemic in XXXX, XXXX and ultimately cancelled on XX/XX/XXXX. On XX/XX/XXXX, the ticket reseller sent an email offering a refund within 60 days of XX/XX/XXXX. On XX/XX/XXXX, the ticket reseller sent me an email with an estimated refund date to occur in XXXX, XXXX. The ticket reseller sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating my refund has been delayed. 
Capital Ones dispute policy ( https : //www.capitalone.com/support-center/credit-cards/disputes ) states that A credit card dispute is a process in which you contest that there is a billing error on your account or that a merchant did not honor their terms and conditions. I initiated a dispute with Capital One on XX/XX/XXXX because the ticket reseller did not honor their terms of providing a refund within 60 days. Capital One requested supporting information by XX/XX/XXXX. I provided the supporting information via fax on XX/XX/XXXX. Capital One sent a letter dated XX/XX/XXXX, before the deadline to provide information, that my dispute was not resolved in my favor and has been closed. The reason Capital One provided was that I did not provide the information by the deadline. After I received the letter stating my dispute was closed on XX/XX/XXXX, I immediately called Capital One to ask why my dispute was closed when I provided the supporting information a week before the deadline. The representative on the phone confirmed that Capital One received my fax on XX/XX/XXXX, before the deadline, but informed that Capital One would not have resolved the dispute in my favor because I initiated it 60 days after purchase. 
Capital Ones dispute policy, linked above, does not say a dispute must be made within 60 days of purchase. This is unfair to me because of the long timeline for this purchase. It is not realistic to require me to initiate a dispute within 60 days of a purchase when the race wasnt even cancelled until almost 9 months after the purchase, and the ticket reseller has clearly not met their commitment to provide a refund within 60 days of XX/XX/XXXX. 

I have attached the 6 credit card statements from Capital One with the charges in dispute highlighted in yellow.
Product: Debt collection

I did not sign this loan with Service Finance- this is not my signature and i did not veri sign i have emails from them saying i havent veri signed - also i have police report of use of reporting my credit monthly with negativity XXXX XXXX
Product: Debt collection

On XX/XX/2019 Portfolio Recovery Associates, LLC sent me a letter stating they work with people to create flexible payment arrangements to resolve their debt and to visit PRAPay.com or call XXXX for offers to save money. They listed some information from an old debt that I had already paid off years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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