23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was given a summons to appear in court to answer for a debt from Prosper Funding LLC in the amount of {$15000.00}. I allegedly took out a loan for said amount on or about XX/XX/XXXX. On or about XX/XX/XXXX, he contract was turned over to XXXX XXXX XXXX to handle the delinquent loan. 
I dispute this entire " loan ''. My credit back in XXXX was extremely low, so it seems highly unlikely that any entity would have granted me the amount of {$15000.00}. What's more, I have never had any dealings, good, bad, or indifferent with Prosper Funding LLC. 
As of this date, XX/XX/XXXX, with the exception of the summons, I have not received from Prosper Funding LLC and Crown Asset Management, a single letter, email, or phone call. 
This is a complete fraud and I have had no business with Prosper Funding LLC or Crown Asset Management.
Product: Mortgage

Since on or about XX/XX/XXXX have attempted numerous times to request a payoff quote and the payoff process. I have sent an email, a request form provided on the company 's website by mail ( twice ). I have called at least 20 different times to talk to a person and was only able to get to a person one time. I was told I would receive an email immediately ( that was on or about XX/XX/XXXX. Still no email. It is extremely frustrating that I can not seem to get to talk to a person no matter how many times I have called. I have tried online as well. 
The company is Roundpoint Mortgage XXXX XXXX XXXX XXXX, NC XXXX The only phone number they provide is XXXX This is also the only number the XXXX XXXX XXXX has as well - I did file with them and apparently there have been a number of similar complaints to them. I did not choose this company and was transferred to it. All I want to do is to payoff my mortgage!
Product: Credit reporting or other personal consumer reports

Me and my friend rent apartment together and I end up moving out. off the apartment and I left my friend still staying there. and I got a letter saying that I owe for a broken window. I had nothing to Do with that so I ended up going back over there to disposing it but nothing happened.
Product: Bank account or service

On XXXX XXXX, 2015 I contact Navy Federal Credit Union not being able to complete or add a biller for payment. The Customer Respresentative told me that only way me to add new biller I must have desk top computer. I explain to the Customer Representative that I do not have desktop and I only could access my account via IPAD and IPhone. Why is that account access does allow you access you account and setup bill payment on other device then desktop. Because I 'm unable to pay my bills this process should available thru various tech equipment.
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. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this car was sold to me by XXXX XXXX XXXX, on the contract he put a bow, no accidents, this company from, XXXX the day before XXXX XXXX called me and informed, me to beg, for this money, or take out a loan, she told me, that I would be jailed, that told me that as a veteran, buying a car such as XXXX showed, I had no XXXX, the young lady told me they would garnish my XXXX XXXXXXXX check, and I wouldn't be able to live anywhere but on the sidewalk, I ceased all contact with them in XX/XX/XXXX, I contacted the XXXX, and the ratings there were horrifying as were the threats this company has made to over 35 consumers,
Product: Credit reporting or other personal consumer reports

I write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. 

Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments SEE ATTACHED DOC It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. 

It is clear that there are flaws in your systems or processes, as there should be no late payments recorded on these accounts. I maintain meticulous records of my payment history, and it is evident that the information you are reporting is grossly incorrect. I urge you to investigate this matter thoroughly to understand the cause of these discrepancies and take the necessary steps to ensure accurate reporting moving forward. 

These inaccurate late payments not only have a negative impact on my creditworthiness but also hinder my ability to obtain the credit I am seeking. I have sought advice from credit experts who have informed me that credit bureaus have a legal obligation to report accurate credit information. The inclusion of such erroneous data in my credit report is a clear violation of those legal obligations and is detrimental to my financial well-being. 

I want to emphasize the seriousness with which I approach this matter. The damaging effects of inaccurate negative information on my credit report are far-reaching, and I will not relent until these errors are rectified. I expect swift action from you to remove this inaccurate information without any further delays. Failure to do so will leave me with no choice but to explore all available legal options against both your organization and the reporting creditor. 

I kindly request that you provide me with written confirmation of the correction made to my credit report, along with an updated copy of my credit report reflecting the necessary amendments. I trust that you will handle this matter with the urgency and professionalism it deserves, as it is essential for the integrity of the credit reporting system and the rights of consumers like myself. 

I eagerly await your immediate response and a resolution to this ongoing dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. AFFIRM INC XXXX Date opened XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Charge Off ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was being contacted by a hospital for an outstanding bill. At the time I resides in XXXX. I verbally communicated with them multiple times that I had insurance to cover the charges and even provided them with the information. As well, I provided written communication with paper copies of the insurance proof. A few months after I moved to XXXX. I immediately notified them in writing and verbally about my change of address and phone number. After this, I never received any notifications from them. I found out one month ago that they had sent my account to collections even when I had spoke with them after they sent it ( my unknowingly ) and was never told. I never received any notifications at my new address or phone number, and now have a debt that has tremendously affected my credit score that should not be on there. 

My insurance is XXXX XXXX XXXX.
Product: Debt collection

I received a phone call multiple times in the last week to my place of work by a woman from XXXX XXXX. She was calling from XXXX. She was rude, threatening and has continued to call my work even after I have asked her to stop. She claims to be from Mobiloans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX my legal name and spelling, my correct address and my correct social They continue to have and continue to report improper names. 2 social security numbers, multiple addresses. 

They have confirmed and verified apparently but yet which social security is mine? 

What is the correct legal name of mine? 

What is the correct address for me They have lied by their investigation results. They can not investigate and confirm which account belongs to what name nor can they confirm what social security is mine Only I know my social security number and legal spelling of my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting a late payment from XX/XX/2019 incorrectly. Credit card company XXXX XX/XX/XXXX said they would fix the issue and I sent the letter to the bureau and it still hasnt been removed.
Product: Credit card

On XX/XX/year>, I used my Citi credit card to put a hold on a rental studio for a photo shoot for my business ( XXXX XXXX XXXXXXXX ). Upon physical inspection of the studio, it was not as advertised and was not suitable for the production. Myself and my producer let the studio owner know we would not be proceeding with the rental. The Studio owner in turn charged the full estimated amount of the rental on my card and refused to return the money ( {$6600.00} ). 

No cancellation policy was listed on the website. 
( They have since changed the website vaguely to say that deposits are not refundable ) There was no contract, only emails back and forth. 
No service was rendered, no rental of any space occurred. 

I tried multiple times to work with Citi to deny the charge as it was fraudulent, and had nothing to do with any goods or services rendered ; However Citi made it impossible to speak to anyone or gain any resolution. Furthermore, Citi only allowed me to speak to people who barely spoke XXXX and couldn't even provide the most basic of assistance or help, they routinely got facts and information incorrect due to a lack of XXXX proficiency. 

It is my opinion that Citi went to great lengths to stonewall my efforts to deny charges from a merchant who knowingly committed fraud. I have been going back and forth with this so long due to the COVID-19 epidemic and I'm desperate for the money just to be returned and to be done with this saga.
Product: Checking or savings account

The bank states that someone processed mobile check deposits of old checks, I have no knowledge of this so I can only assume it's fraud. US Bank states the account is under review to be closed but will not give a time frame for closure or access to over {$600.00} of my money within the account. 
They tell the me review team is unreachable and that I just have to wait and it has already been over 7 business days of waiting.
Product: Credit card or prepaid card

Barclays Bank XXXX Jet Blue credit card. DON'T APPLY UNDER ANY CIRCUMSTANCES!! 
In XX/XX/2023, I applied for a JetBlue card while booking a flight. Despite numerous calls to Barclay and JetBlue and several hours on the phone, I have not received a statement or a card. Barclays says they sent a card to me which I never received. They said they sent a replacement card on XX/XX/. I have not received that card. I called Barclays again. They said they would send another card by XXXX. Today, their automated system indicated that the card had not been sent out. On the phone, they said it was sent out today. 
I desperately need a statement for a loan application. Barclays will not give me my account number which would allow me to access my account on line. Barclays will not send a statement, but they are expecting me to pay my bill. 
Barclays said they would have a high level manager call me. After several days without a call back, I called Barclays again. They said they would schedule another call from a high level manager. After waiting another day, I receive a phone call. It rang one time. Nobody on the line when I answered. I called back he number which didn't accept incoming calls.

I have spent over four hours on the phone just this week without any resolution. Barclays heavily uses the terms " unfortunately '', " sorry '', and " apologize '', but do not correct their issues.
Product: Debt collection

Hello, To whom this may concern within the cpfb I have been a resident of my community for a little over five years now unfourtantly due to covid and a few other factors caused me to fall behind on my HOA dues I am working on arrangements with their attorneys in which i have advised the HOA has done nothing to Handel their responsibility when it comes to the common areas that fall under their fiduciary responsibility and has not had an annual meeting the last three years not to mention my home inspection has made some very important recommendations regarding a huge rotting tree that has the potential to demolish my home if in the event it ever falls the tree has obvious rot around the bottom and leaves that have never been raked up by the groundman for over 5 years not the pool has revised multiple health violations from the city of XXXX and they have been advised to resolve the matter of these health and safety violations and have done nothing, not to mention we all expeienced major pluming issues that needs to be addressed by XXXX XXXX due to the fact the water is orange as in XXXX Michigan XXXX in which is a health hazard. There has also been a concern that the HOA commit may be misappropriating funds which are why nothing is being done about these issues I don't know because I'm, not the bookkeeper all I know is that there are potential violations under the Fair Housing Market Than need addressing however homeowners are scare of the HOA retaliating by harassment, not to mention the homeowner with a mortgage of looking to refinance could have a hard time when the lender looks and see all of this underlying issues that create a potential risk making it hard for those consumers looking for FHA financing pr even a NON-QM loan for that matter. I am standing up for the XXXX community and would like more direct answers on where the money is going if they are not keeping up the grounds and common areas. I have also advised their lawyers as well about the matter and to get it removed as a consumer and homeowner we laa have the right to know if they are handling the funds correctly they never send our balance sheets with the true numbers on it which concerns me also. Please see the attached documents as well
Product: Credit card or prepaid card

Good afternoon, This complaint is against XXXX XXXX and the way they are handling electronic payments.

I paid my card the last thee times as followed : XX/XX/XXXX {$50.00}, XX/XX/XXXX {$280.00} and XX/XX/XXXX {$360.00}, total {$690.00}, I make my payments electronically and they leave my bank account the day after I make them, today is XX/XX/XXXX and they have not yet make my payments available to me, I have had that credit card for at least 4 years with a clean record, I have never missed a payment nor bounced one. This is a very unfair and deceptive way of conducting business and it is not in the client 's best interest.
Product: Mortgage

My account was transferred from one loan servicer to another. The original servicer did not apply the final payment and I'm being harassed when in fact I am a month ahead on my payments. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been well over 1 month and a half and Oliphant usa llc is totally ignoring the law as well as XXXX, and they are using stalling tactics. This alleged debt isn't mine and I want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 IM DEMANDING THE REMOVAL OF THEM
Product: Credit card or prepaid card

Amazon Synchrony bank was notified in XX/XX/XXXX of charges on my Amazon credit card. 
The charges on account totaled {$420.00}. 
I had not used the Amazon card for two years. I should have a XXXX balance. It showed six separate charges showing books purchased every week in XX/XX/XXXX. 
Synchrony bank said we will show fraud and cancel card. We will send you a replacement. Not to worry. 

Well they have denied my claim and show I owe the total. 
I have called Synchrony bank since XX/XX/XXXX to XX/XX/XXXX. 
I sent copy of orders with information on the account to support the fraud and display the tracking numbers displaying other addresses, all addresses were XXXX XXXX, Georgia. 

I sent the bank police report case number dated XX/XX/XXXX. It was determined the package delivered was not my address and not books. The recipient was contacted. 

Synchrony send letter of denial XX/XX/XXXX. 

I have appealed their decision with supporting documents and as of today, still declined. 


I never ordered books and I never charged anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX, and XXXX are reporting the wrong credit limits on my 3 credit cards that I have open. 
I have a XXXX XXXX XXXX XXXX with a limit of {$49000.00}. I have another XXXX XXXX card with a {$10000.00} limit. I have a XXXX card with a credit limit of {$12000.00}. 
They are also reporting my balance on each card incorrectly. 2 of the credit cards have a XXXX  balance, and the other has a balance of just {$260.00}, as of today ( XX/XX/2018 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management has an account reporting on my credit report with XXXX. It shows opened XX/XX/2016 and has an open status. This does show included in bankruptcy in the notes and a XXXX  balance but they refuse to close this account. I disputed this with them and XXXX  but have not had this corrected. It is still showing open and under my collections on my report.
Product: Vehicle loan or lease

Please give me the wet ink signature where I signed the contract Copy of arbitration agreement Copy of any documents I signed A clarifying statement of your role in this transaction
Product: Debt collection

Affiliate Asset Solutions mailed me a letter to collect {$20.00} and {$18.00} for an emergency room visit on XX/XX/2016. I wrote back to dispute the validity of the debt because I paid the amounts described on XX/XX/2016 to the original creditor, XXXX. I provided a printout of the original creditor 's web account showing I paid the listed amounts and that I paid a total of {$240.00}. Affiliate Asset Solutions responded with a letter indicating that the original creditor showed the amount owed was XXXX, but that the balance due was the total {$1300.00} billed because the account was charged off as a delinquent account. The bill Affiliate Asset Solutions provided as proof of debt misrepresents the amount owed to the original creditor because XXXX has already paid the contractual amount of {$240.00} and I paid the patient portion of {$240.00}. Affiliate Asset Solutions is collecting more than the amount originally agreed upon in writing between XXXX and XXXX. I was assured by my health insurance that I may not be billed the difference between the amount billed by the original creditor and the contractual amount allowed by my health insurance provider. Affiliate Asset has also listed the alleged debt at both {$38.00} and {$1300.00}.
Product: Credit reporting or other personal consumer reports

I'VE NOTICED UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT AND THESE ACCOUNTS HAS AFFECTED MY CREDIT SCORE NEGATIVELY. 

THE ACCOUNTS ARE THE FOLLOWING XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaints about this account XXXX/XXXX XXXX bought by XXXX XXXX XXXX XXXX, about being in my credit report thats should be removed. I got a response from your company on XX/XX/2019 that this account is does not appear on my personal credit report and you are in a process of mailing me a current Experian credit report which I have never recieve. As of XX/XX/2019 I check my Experian credit report and I still see the XXXX XXXX still being in my credit report. I have attached proof of my current credit report and proof of your response on my last complaints. Please removed this immediately. 

Thank you