23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment was reported to the 3 credit Bureaus XXXX, XXXX, XXXX as past due XX/XX/2021. There has not been a 30 day late on this account. 
Payment was remitted to Republic by debit card though their ( XXXX ) XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had created a paypal fundraiser as soon as I did receive money paypal locked my account for 120 days on XX/XX/XXXX I did receive an email that my funds are eligble for withdrawal! 
when I tried to add a new debit card to withdraw my funds i received an error I called customer support and spoke a woman in the phillipines who could not even speak proper XXXX she told me to wait! 
I waited XXXX week tried again still not possible to add my debit card for withdrawal I called again and spoke a person who said he cant let me add my new debit card! 
so basically everytime I call I get a different reply which is just to waste my time and give me fake excuses! PAYPAL IS A SCAM. THEIR CUSTOMER SUPPORT AGENTS ARE WELL TRAINED SCAMMERS TO JUST TELL YOU NONSENSE AND KEEP YOUR MONEY. I AM GOING TO CONTACT THE FBI NOW! THESE SCAMMERS MUST BE TAKEN DOWN!
Product: Credit reporting or other personal consumer reports

i have multiple hard inquiries that i dont recognize XXXXXXXX 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 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: Mortgage

XX/XX/XXXX I filled bankruptcy in order to prevent my home from entering foreclosure as a result of my husband, then, mischeivousness. In XX/XX/XXXX, I divorced my now ex-husband XXXX. With this divorce he relinquished all rights and all claims associated to my present residence. It took me several months to acquire my mortgage and the change of address and my mortgage statement coming to my home address. I have had several correspondences with Wells Fargo regarding the assumption of the Home Equity Line of Credit. According to my lawyer, I should take the divorce decree and have them transfer the Line of Credit in my name. I have also made payments without acquiring a statement of receipt. In addition, I furnished them with an entire copy of my divorce decree ( page 3, Article 2 ) stating that " the husband shall surrender any and all claims to said property, and that husband should cooperate fully in signing and documents of said property ''. To no avail, they refused to make changes even though its based on higher hierarchy- Supreme Court of the State of New York . I 've made several attempts to make amendments but, they refused to converse with me due to the fact I 'm not the holder of the Equity Line of Credit. Equally important, I received a document from the United States Bankruptcy Court which clearly states at the bottom " Other payment change : Will there be a change in the debtor 's mortgage payment for a reason not listed? the box checked yes. and the reason for change is Payment change resulting from an Equity Line of Credit ''. It may not have been included in the initial bankruptcy documents however, changes and funds are being withdrawn for payments and they are not being applied based on the documents on-hand.
Product: Debt collection

I received a letter in the mail from NCC Business Services for a debt that is not mine for XXXX Apartments. I currently still reside in XXXX apartments and have never been made aware of any debts owed. Upon further research, I also found that NCC Business Services has no license to collect debts in Florida, and no business registration. XXXX apartments relinquished ownership of the debt when they " sold '' to to XXXXCC Business Services. According to Federal law, as soon as an account is sold and transferred, the original creditor can not collect on the debt as their rights to the debt has no validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a 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 XXXX. XXXX has me at a score around XXXX. That is a huge difference. experian 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 XXXX i spoke to a representative agent name 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 XXXX. 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 accounts 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 XXXX more than 10 times. experian 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 homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Mortgage

While my husband and I were separated in XXXX, he manipulated me into refinancing our home.He abandoned me and we were behind in mortgage payments because he had been having an affair and racked up bills that i didnt even know about at that time.He promised to help with the new mortgage amount ( also promised that he would end the affair and return home but didnt ) even though he knew I couldn't afford to pay it myself because I became XXXX a few yrs earlier.For the refi the home was appraised at {$210000.00} which in no way was true ( was only worth {$140000.00} ) but this is a perfect example of how & why the housing market crashed in XXXX, and how i became under water with the refi loan.So I got stuck paying for a home worth {$210000.00} at 8 % when in reality was only worth $ XXXX.I 've struggled all this time, filing Chapter XXXX to save my home but got behind again due to the fact that my live-in boyfriend also became XXXX.I need a home forgiveness modification or to refinance at a lower rate for the proper amount of the homes worth.We just need a 2nd chance with the appropriate loan for 2 people that are XXXX and receive XXXX XXXX  XXXX benefits monthly.
Product: Prepaid card

Tried using Amex gift card aXXXX XXXX XXXX online and it will not accept the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX and XXXX there are over 15 inaccurate things on my credit in was XXXX  from XX/XX/XXXX, until almost XX/XX/XXXX, so all my stuff that's on those years were not me I had a fiance at the time who I knew could and would have done all kinds of stuff including spending all money in my XXXX XXXX selling my car, etc XXXX XXXX XXXX XXXX
Product: Prepaid card

Greetings, I recently received an American Express Business Gift Card for {$500.00} from my employer as a reward for 25 years of service. Payment was declined 3 times for attempted online purchases. The first attempt, twice, from XXXX XXXX XXXX  on XX/XX/XXXX for {$58.00}. I called card services and was told that the card had to be used in a mobile wallet, which is not what the cardholder agreement states. The second attempt from XXXX XXXX on XX/XX/XXXX for {$120.00}. I called XXXX XXXX and their rep tried to run the card manually but it was denied again. I called card services again and they saw no problem with the card and told me that I could use the card as a regular credit/ debit card. The only resolution received from this call was to try other merchants. The third attempt from XXXX on XX/XX/XXXX for {$120.00}. After that, I used my own credit card.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : Affirm Inc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, To Whom It May Concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following ALLEGED collection account is not only listed as being OPEN, but also with a PAST DUE BALANCE of {$70.00}. This is a violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove the account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I tried to refi the loan i got in XXXX. Only to find out Flagship Credit Acceptance has not been reporting to the credit bureaus. I have called a dozen times and escalated to many different supervisors all said they would call me back and lied. I got a letter in the mail saying they have upgraded their system and will begin reporting soon. I have asked them when soon is so i can refinance the loan. They refuse to provide a date when they expect their error to be fixed and in the meantime they are still not reporting my loan so I can not refinance the loan.
Product: Vehicle loan or lease

15 us code1635 right of recession gives borrowers an extended right to rescind within three years if the lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures. 


I dont have title I don't want account any longer don't have proper paperwork don't want contract any longer voluntarily repo Can't get the car registered fail behind in dmvs fees due to inaccurate material disclosure... please take the marks off my credit report
Product: Credit card

This complaint is related to previously filed complaint ID : XXXX. 

Chase sent me a letter stating that they will not contact me again. However, my complaint is mainly of the fictitious balance of {$3200.00} that I never owed. I disputed it but they never responded.

Chase didn't address it.

I wanted them to the accounts straight ( clear it off ) and set my credit history straight. 

In my opinion, this is corporate greed and a fraud.
Product: Debt collection

The collection agency has been reporting that I have an outstanding debt since 2017. However, they failed to advise the validity and rights of the debt. Specifically. Article 809 a - 1 through 5 and article 899 b and c. Please delete from the credit bureaus XXXX, XXXX, and XXXX  since you guys trampled my rights under the Fair Debt Collection Practices Act 15 U.S.C. 1692-1692p.
Product: Debt collection

Capital One has violated my rights according 15 U.S.C 1692 SEC 809-Validation of debts-1 The amount of the debt. ( B ) Disputed debt. Also 15 U.S.C 1692 SEC 808 UNFAIR PRACTICES ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I sent my dispute letter asking for debt validation Capital one failed to provide proper documentation after i gave written instruction to respond with any answers or question VIA -XXXX CERTIFIED MAIL so that there would be an independent witness to it being delivered and they failed to do so. Capital one is stating I owe a debt but how is that so? If I was never returned my deposit due to them closing the account. I was told their procedure when it comes to closing a delinquent secured account Capital One keeps the initial deposit that was used to open the account and puts it towards the remaining balance any fees remaining will then be put in charge off/collection. The alleged debt I owe is XXXX and Capital One kept my XXXX deposit so how is it that i owe XXXX again please make it make sense. Also, any charge off less than XXXX XXXX dollars does not a 1099 form. so, for all I know Capital One is Trying to collect a debt that their insurance company already covered and they also kept my XXXX dollar deposit. I find that to be a deceptive means of trying to collect.
Product: Student loan

I have a student loan serviced by Nelnet. My original loan ( s ) we're for {$37000.00}. I have been making payments for 17 years, and make XXXX payments a month, when I'm able. 

According to Nelnet, YTD, I have paid {$100000.00} toward my {$37000.00} loan and {$16000.00} of that is interest. I have paid almost half my loan in interest. Nelnet also says I still have {$15000.00} left to pay. I was in a graduated repayment for a long time out of necessity, which I know played a large part in this. But at this point, I feel like I'm just being taken advantage of. 

I just got off the phone with Nelnet and the customer service agent explained to me in a very convoluted way that that is not the total amount I have paid, myself. It includes the consolidation when my loan was sold to Nelnet, plus interest. The problem with this is that I shouldn't still owe {$15000.00} if that is the case. It is also my experience that everytime I have to call Nelnet I receive a different answer, depending on who I talk to. I'm certain I could call back again and speak to someone else who would tell me something completely different. 

Nelnet has been sued multiple times for fraud. It's no secret they do everything they can to extract as much money from people as possible. I don't trust what's happening to me right now, and I feel at a loss. I don't know what kind of solution there is to this other than Nelnet finding that I have, in fact, fullfilled my repayment agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  They have never complied with providing me with proper ink signatures between me and their companies upon any agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, KOHLS CAPONE Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

i was looking over my credit report, and i noticed unauthorized inquires and inaccurate information that i would like removed from credit report. i did not give consent to share my personal information to obtain a car loan, credit card. 
XXXX XXXX XXXX XXXX XXXX XXXX Automotive, XXXX XXXX XXXX AutomotiveXXXX XXXX XXXX XXXX XXXX : XXXX XXXX Banking : XXXX XXXX Finance : XXXX  XXXX XXXX : XXXX  XXXX XXXX  XXXX FinanceXXXX  XXXX Finance : XXXX XXXX XXXX Finance : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX Finance XXXX XXXX XXXX  XXXX Finance : XXXX XXXX XXXX FinanceXXXX XXXX  XXXX Finance : XXXX XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXXXXXX Finance XXXX XXXX XXXX Finance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX
Product: Checking or savings account

Chase bank business account was opened for my dental office XXXX XXXXXXXX XXXX  in XX/XX/XXXX  and in XXXX XXXX XXXX ACH was activated on my account and was paying that service without using it. i thought it was a fee for having checking account. my accountant brouhgt it to my attention and i called the chase to cancel service and asked them to show me proof that i had given permission to activate that service. they will not give me any credit back other than last four months. the charge was for 8 yrs. that I have been paying for a service I have never used. the institution will not allow me to get any credit for all that time and will not give me proof that i approved that charge. I feel that Chase is targeting Hispanic people by adding charges that were never approved by consumer. like the ACH fee charge that was added to my account in hope I never found out ot the unauthorize charges. all i want is for Chase to refund me that monthly charge or to provide me with proof that i acknowledged or approved the ACH service charge back in XX/XX/XXXX of XXXX. This is a business account with Chase Bank. my branch manager and chase bank cant help me resolve that issue, other than it was done by me using my log in credentials. yet they have provided me no proof. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX cell XXXX
Product: Mortgage

Trying to sell some of my real estate that has a loan through Caliber Home Loans. Title Co. has found an issue with the legal on the open mortgage. needing to get legal description issue resolved so i can sell a portion of the property. Myself and Title company have sent the needed information to clear up the issue but lender has not fixed issue in 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax XX/XX/22 to report inaccuracies on my credit report that needed to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a rep that the items that I reported as inaccurate would be removed within 4 business days according to federal law. It has now been over one month, and nothing has been removed. All the incorrect address, incorrect names, and incorrect employees. I was advised to file another dispute and the information would all be deleted in four days. I was also told that a dispute was not filed but request for deletion. I have made several attempts to remind them of their duty of 15 USC 1861 accuracy and fairness of credit reporting. It seems as though Equifax is intentionally neglecting remedying my affairs. Also, my life! 15 USC 1681 a ( d ) states as a consumer I am due, promised accuracy on my credit report based on Federal Law. 15 USC 16841 i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons, I am asking that ALL NEGATIVE closed accounts, charged off accounts, collections accounts, incorrect addresses, employers, incorrect spelling of my name, to be removed from my credit report per federal law. All calls were recorded. However, I called in today and the rep hung in my face. so not only are these corporations violating my rights as a consumer they are blatantly lying in our faces and being deceptive.
Product: Student loan

I have been making payments to Ameritech Financial for 3 years and they have made no payments on my student loans.
Product: Mortgage

We applied for a Chase Mortgage on Friday XX/XX/XXXX for a closing XX/XX/XXXX. Our mortgage advisor XXXX XXXX assured us we were well qualified and would have no problem with an on time close. We submitted all documents initially requested within one business day, and then we had no further document requests for weeks. 

After several weeks with no action from chase, i emailed asking for an update and our mortgage advisor apologized to us in an email for in his words a severe breakdown in the mortgage underwriting process. XXXX advised us he expected loan approval the next morning XX/XX/XXXX. That afternoon of the day he told us to expect approval, XXXX emailed us document requests and today XX/XX/XXXX, one week before our scheduled close, our advisor XXXX informed us Chase was unable to meet our closing. 

XXXX misled us throughout the process telling us to expect no problems with the timeline or approval and Chase failed to meet their responsibilities on their side of their lending process. Chase failed to close on time despite assurances. Our own mortgage advisor acknowledged and apologized for their severe breakdown in process leading them to be unable to provide the loan on time and forcing us to pay cash to close.