23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XXXX XXXX I was talked into applying for a used car loan. 

XXXX, The assistant branch manager and XXXX XXXX XXXX, the branch manager guaranteed me that this would only be a soft hit to my credit. They told me they would do a soft hit, come back with an offer, then if I accepted that offer they would do the hard hit. I 'm trying to get my credit and everything in line to buy a house, so I did n't want my credit touched. I 've never heard of it being done this way but the XXXX girls swore up and down it will not affect my credit so I gave them my information. In the next day or two I seen they put a hard hit on my credit. I spoke to XXXX XXXX who said the policy must have changed and she can have it taken off. I filled out the form to get the hard hit taken off and was told it would be taken off within the week AND to stop worrying because they do this all the time. 

XXXX XXXX I seen the hit was still on my credit. XXXX XXXX has me fill out the same form again and said she 'll call me Friday, which did n't happen. I called her the following week and was told she 'll call me tomorrow, which did n't happen. The next week I called her again and was told I have to wait 30 days ( from the day I filled out the XXXX form ) for something to come in the mail. XXXX days later I never received anything. I spoke with XXXX XXXX who is the distract managers assistant. XXXX spoke with XXXX XXXX who said I was given the wrong form to be filled out. In order to take this hit off my credit I need to mail them a statement of what happened, my social security number, and a copy of each of my credit reports that show the hit. 

-I 've spoken to a manager of US Banks customer service and XXXX branch managers at other local locations, they all told me that they have never done soft hits and do n't know why I would have been told this. So I was lied to. How many people do they say this to but do n't check their credit so never know? 
-It 's been XXXX months and I 've had to basically chase this branch manager down to get answers. 
-US Bank already has all my info, but now I have to mail them the same info and more.
Product: Debt collection

I keep receiving bills from the Portfolio Recovery Associates, LLC about credit that was offered to me in the XXXX XXXX of XXXX, XXXX, New Jersey the medical services and dental services I informed that the charges was not submitted to Health Insurance providers which are XXXX XXXX and XXXX and States of New York Medicaid and that this company brought the debt from the bank with my medical history and did not ensure that Medical providers had mad they payment for the treatment I made services request for the to submit this to Health Insurance they informed the do not do that they only responsible is collect the debt with proper insuring that the agency have process the treat in the company billing system is this legal for XXXX XXXX and XXXX XXXX to sell my medical treatment services date and what I was treated for with proper submitting to Health Insurance and is it legal for banks to sell you credit information to collection agency the information share was medical and should have been protect by Privacy Act and XXXX XXXX should also been protect by Federal Regulations Laws for Privacy and sharing of Banking products and customer information is this legal and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and every account within 15 days. If not all accounts should be deleted. The  bureau has not provided any type of proof of any account on my report besides the word verified.
Product: Credit card

I am requesting for Navy Federal to send me statements.However, they have not sent me any statements in the mail. At this point I requesting that Navy Federal cease and desist communication due to the fact. That I've never received a statement through the mail.I also feel that I am being discriminated which is causing me harm. 
Lack of sleep and Financial hardship. I feel like this is part of an extortion is illegal.It is a federal offense.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than recor
ds of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report a late payment on XXXX that is not accurate. Neither consumer agency has sent me any documents that proves I was indeed late with these payments. I have repeated asked for what method they used to verify this information.
Product: Credit reporting or other personal consumer reports

XXXX continues to report fraudulent activity on my credit report. I have reported fraudulent inquiries on my report and they refuse to remove them even with me sending them the FTC report and the police report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have report them before and they took no action to remove them!!!!
Product: Debt collection

Received a threatening letter stating I would be sued if I did n't pay on?? Something I do n't know. Never have received anything from this company before. Do n't understand the threatening letter.
Product: Payday loan, title loan, or personal loan

I opened a loan with loanme me and originally had an issue with payments therefore i was offered a settlement, i made my payments on time and at the second to last month of my payments i was advised my loan was transfered to XXXXloanme branch. I was advised the branch did not have the updated terms of my loan but that i could pay the balance and would receive a close out notice. There is a new loan open under my name that I did not my payment was accepted and I never received a close out notice. Customer service reps transfer me around whenever i am able to get in contact i am concerned a false loan will be placed on my credit.
Product: Debt collection

On XX/XX/XXXX, at XXXXXXXX XXXX XXXX  I informed Shellpoint 's representative XXXX that I wanted further communications in writing. 

XXXX continued calling me despite being told to write to me, via email. 

Specifically : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX XXXX XXXX, and XX/XX/XXXX at XXXX. I recall there were multiple calls each time. 

This is a violation of the FDCPA. 

Thanks, XXXX XXXX
Product: Credit card

My Macy 's XXXX card was used to make fraudulent charges in XXXX of 2016. Someone used t apporx. 5 times to purchase amazon gift cards. I made a complaint and within days the charges were credited to my acct. 
Macy 's closed the acct for me and set up a new XXXX. On XXXX XXXX, 2016 I purchased items at Macy 's in XXXX, XXXX 
When I received my statement I noticed that on the same day I was physically in the store in XXXX, XXXX that someone purchased something in XXXX XXXX XXXX, XXXX at Macys with my acct in the XXXX of XXXX. 
I called again, they closed the acct changed it to now a third acct. They said the check was in the mail. I said great, please close this account all together bc I do n't feel comfortable with the amount of times it 's been taken. They closed it, I have yet to get a check. 
I have called customer service 5 different times each call lasting approx XXXX120 minutes. I have yet to get the credit to my acct. I have been told the check is in the mail. I have been told the credit will show in XXXX to XXXX billing cycles, I have been told to call back and I have been disconnected by them. 
Today is the 6th time I called, 1st the fraud dept. waiting 48 minutes and they finally said the credit is on my old acct that I closed. It will take a while to send you a check. I was directed to call customer service to ask them to expidite sending me the check. 2nd call today 64 minutes. in length. I was told that the credit was given however bc there was a charge on the acct it should be just a zero balance. I explained how I have automatic payment and the card got paid off before ever receiving a credit, so I actually paid for the fraudulent charge. She directed me to call Fraud ... .the Dept I had previously talked to today for 48 minutes. I explained that I had been directed to Customer Service to haave the credit from that card sent to me. SHe put me on hold for 12 minutes, came back and said that she 's requested the check, however I have herd this before. I JUST WANT MY MONEY BACK. I WILL BE HAPPY NEVER TO STEP FOOT IN MACY 'S AGAIN AND HONESTLY XXXX XXXX SHOULD BE EMBARRASSED TO HAVE THEIR NAME ON A COMPANY 'S CARD THAT DOES N'T PROTECT THEIR CUSTOMERS. HELP!!
Product: Debt collection

I got cable TV through XXXX, and about a month later I decided to move and I called XXXX to see about moving my service and they ask for the address I was moving to, they ran the new address and told me that they do not service that address. I told them that I had to move and I would just have to cancel my cable and internet. I paid for the time I had and used the service up until I moved. I sent the equipment back and I still received a bill for {$350.00}. I called XXXX and explained to them I had called and canceled the service and they tried to tell me that I did not cancel that it went two months past due then they disconnected the service due to non payment. This is not true nor accurate. And I do not owe them XXXX I called in to cancel this service and it should have been disconnected immediately because I was no longer even living at that address and the boxes were already packed up. You can even see from the Internet usage for the time they are trying to charge me for was XXXX because it was not even connected. I feel as if I am not responsible for this debt. I refuse to pay it, I pay all my bills on time but I 'm not going to pay for someone else 's mistake. Please help me resolve this issue because I tried to handle it on my own and got no where.
Product: Checking or savings account

On XX/XX/XXXX I received an email from chime banking saying there was an issue with my account. And that account I had my tax refund with a remaining balance of {$19000.00} roughly. Within that email I was told to send proof of address, proof of ID which I sent the very next day. A few weeks go by I was told that they needed secondary identification which was my Social Security card and a selfie of me holding the ID. After I sent all of the information they asked for I received an email today which is XX/XX/XXXX saying my account was closed and I am not entitled to a refund. My tax refund was stolen from me I am unable to pay my rent I have a XXXX-year-old son and I have needs that need to be met. I was counting on that money and it was stolen from me by chime. I received my income tax and wanted to be responsible so I left the money on the account but that was not a good idea. Please help
Product: Money transfer, virtual currency, or money service

I purchased a money order in XX/XX/2022. I filled it out and realized I had already paid my bill and didnt need to use the money order. The money order was Western Union and the amount was {$350.00}. I requested a refund from Western Union and they sent me a check in the mail on XX/XX/2022 for {$350.00}. I deposited the check into my bank account and XX/XX/2022 the bank withdrew the {$350.00} plus a {$10.00} fee for a returned check. I visited my bank institution and they explained that the check was not connected to a bank account where it was issued. I called Western Union and they said they would send another check. I received the newest check in XX/XX/2022. I tried to cash the check at the bank printed on the check and they red flagged the check for fraud and could not cash it.
Product: Credit card or prepaid card

Do to a financial hardship my family and I experienced, I had an overdue balance with Discover card. They were able to obtain a judgment against me in District Court.
I have been trying for months to find a possible settlement with them or to simply get an address where I could send payments and know that they were being documented.
I have gotten no response from Discover Card or their attorneys.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

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 XXXX XX/XX/XXXX Thank you.
Product: Mortgage

My mortgage was transferred to Select Portfolio Servicing ( SPS ) in late XXXX, 2021 after I made my 1st month payment ( due date XX/XX/2021 ) to the original mortgage company called XXXX XXXX XXXX XXXX  XXXX ), since then, it has been a nightmare to deal with SPS, first, after the mortgage was transferred, nobody sent me the updated information for where to send the payment due XX/XX/2021, and I ended up having to send my 2nd payment to XXXX again. XXXX, after I paid my XX/XX/2021 due date mortgage, it looked like SPS suddenly woke up and found they didn't get my XX/XX/2021 due date payment, I called, emailed and told them again and again the payment was sent to XXXX, instead of checking with XXXX, SPS started to harass me with one letter after another ( total 17 letters sent to me, many with the same content ). 3rd, finally, after more than 60 days of investigation, they figured out, however, they still didn't get my escrow account correct by missing one month 's escrow payment, I emailed and mailed a letter to them to help correct the mistake, instead of getting it fixed asap, SPS sent me 4 more letters ( same content! ) saying the investigation will take another 30days!!! I was so frustrated and fed up with this company, I worked with so many mortgage companies before, and never ever in my life having met with a mortgage company like SPS with such messy, unprofessional and endless dragging practice, please help! Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX  XXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report.
Product: Mortgage

Freedom Mortgage has been an absolute nightmare. First we are holding for extremely long times on the phone to even speak with a customer service agent. Every time I speak with one my husband and I get a very different story. Several agents have even stated that they don't know what is going on with our account. This company continues to take funds from our bank account in error and then take 8-9 days to put it back. We have been dealing with then since they purchased our account from another Mortgage Company. We have never been late or had issues until Freedom Mortgage took our account. We have spoken with several agents and they are are listed here forth : XXXX - XXXX XXXX on XX/XX/21. Requested out funds of {$1900.00} to be returned to our account immediately because we paid the payment by phone on XX/XX/21 and then they turned around and took an auto-draft, XXXX. This was after we cancelled auto-draft. Then even though we can see both payments Freedom states they have to wait to see it it clears or not. We have since spoken with XXXX XXXX, on XX/XX/21 and then XXXX XXXX on XX/XX/21 and then XXXX XXXX on XX/XX/21 and XXXX the XXXX XXXX on XX/XX/21 @ XXXX, only for him to tell us the funds went to the incorrect account. How does that happen? You take the money from an account via XXXX and then when they put them back they go to the wrong account. They actually stated the last number of our account was changed from a 6 ( six ) to a three ( 3 ). as of yesterday we spoke with XXXX XXXX and he stated the funds were returned and auto-draft cancelled. Now today XX/XX/21 they have once again removed monies from our account. I don't understand how they can continue to lie, and steal. I need some help getting them to do the right thing. This company had a class action lawsuit again them and they should not be allowed to do business anymore. We didn't choose them, they bought our loan and now we are stuck.
Product: Credit card

I was contacted XX/XX/XXXX by a collection agency representative who claimed he was an " officer '' and made threats of immediate arrest and intimidation. This, despite my having sent the collection agency a letter asking them to cease all further communication in accordance with the Fair Debt Collection Practices Act. They have since repeatedly contacted me in violation of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The XXXX XXXX  said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Student loan

I received a loan that was serviced through UAS XXXX for some of my prerequisites for graduate school, which I am currently attending. Nearly two years after I completed those prerequisites, I started to received repetitive emails from this foreign loan company ( UAS XXXX ) when usually my loans are done through FAFSA. They kept reminding me that I needed to complete an Exit Interview ( again, nearly two years after I received the loan ). I thought that this must be a mistake, and then I started receiving emails for missed payments. I didn't even know if this company was legitimate or some kind of scammer because of the time lapse and because usually loans are done through FAFSA. 

The next thing I know, I checked my credit score a few days ago, and they reported a delinquent charge to my account without any warning or adequate help in finding the link for this " Exit Interview '' ( I asked them for clarification multiple times, and I never got the information that I needed on where to find the Exit Interview on their website. It doesn't seem to be listed. It just takes me straight to a " payment page. '' They didn't really care, even though I am still taking out loans to attend graduate school now. Anyway, my credit score dropped by over XXXX points because of their delinquency report! I have since sent them a proof of enrollment verification for my deferment. I called them to ask for more information about all of this, and the person on the phone wasn't helpful or knowledgeable about it at all. 

I would have appreciated any kind of option to make a payment or more sufficient warning before they reported to my credit score. Since that happened, I have contacted them asking them how to resolve this issue and have it removed from my credit report, and they haven't responded, just continually and repetitively giving faulty information on how to find this missing " Exit Interview '' on their broken website. 

I think UAS XXXX is a predatory loan servicer that should be investigated and prosecuted for how they damage the credit score of students who are still attending school.
Product: Debt collection

Creditors Collection Service has been repeatedly calling and leaving recorded messages concerning multiple medical collection accounts I have with their office. They are in violation of the act by leaving the message on a shared answering machine. As a result, the message was heard by our housekeeper, babysitter and children. This is in violation of the FDCPA. Should I decide to pursue charges, they can be fined up to 1,000 per call that we have saved. 

As a result, I want CCS to stop calling and for those debts to be paid by their agency and the accounts marked as paid. If not I will pursue legal action to make sure they are fined for the 20+ messages I have saved.