23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good afternoon, I received a call from two phone numbers today. First, XXXX, stating her name as XXXX and that I was on her list for being served in the next two days. She left me a number to call back, XXXX. When I did, I spoke with someone named XXXX, XXXX, I couldn't quite understand her name. She had my full social security number, full name, and stated I owed over {$3000.00} to US Bank and that I would be served, sued, and even possible jail time in the next two days. She also  mentioned that the previous call from " XXXX '' shouldn't have happened and it must be her " first day on the job as we were not supposed to hear from her, it was just supposed to be a surprise when my paperwork showed up. '' What?? Not my kind of surprise. I haven't held an account with US Bank in close to 7-10 years. I do not have any delinquent accounts with this company. When I asked her to state her name and place of business again, she claimed she worked for XXXX? And that they barely make any money off small accounts like mine, it was mostly big real estate deals, and then she said she would see me in court and hung up. I am concerned because of the information she had about me. This is just ludicrous.
Product: Checking or savings account

There were XXXX transactions I did not make showing cash app XXXX for XXXX and the other XXXX for XXXX contacted them and right away denied my refund please help me as they are not willing to help me get my money back
Product: Payday loan, title loan, personal loan, or advance loan

I was stranded at the airport and needed a last minute flight to replace a canceled flight. It was XXXX XXXX and there was no customer service around. I tried buying a ticket on my phone, but the payment method did not go through, so I tried with affirm, which also did not work. I had to wait until staff came at XXXX XXXX and purchase a ticket directly with them by credit card at the terminal. However, Affirm proceeded to charge me for not one but TWO tickets anyway, tickets that I never received from them, and the loan was only approved three days AFTER the flight. How do you sell someone a ticket for a flight 3 days in the past? I tried calling to get the charges cleared and their customer service refused to do this. The air carrier can not refund without a ticket number, and I never received the tickets. This ruined my vacation. Affirm wont relent in insisting on charging me for non-existent tickets. Ive had to spend hours on the phone dealing with this and it is still not resolved. 

The flight was for XX/XX/XXXX purchased XXXXXXXX XXXX that morning for a XXXX XXXX  departure. The ticket was {$260.00} and was paid with a XXXX XXXX card at the terminal. Affirm is charging me for the sum of XXXX additional non-existent tickets for a total of {$550.00}. Their customer service refused to cancel these charges.
Product: Mortgage

Better.com uses XXXX as a lead aggregator. The rates offered on XXXX differ materially from those offered on Better.com. This appears to be misleading advertising. When asked to explain Better.com does not respond. In addition, Better.com advertises online as being an online direct lender with easy applications. However, their website is broken ( multiple errors ), their integration with their primary credit agency ( XXXX  ) as well as secondary credit agency ( XXXX  ) does not work in my case. Better.com also advertises that they can be reached by phone. However, nobody answers the phone.
Product: Prepaid card

I bought a {$500.00} visa gift card card on Tuesday XX/XX/year>. And I went to the website in back of the card to register it but there was no option to register it. I activated the card and said I have {$500.00} but then immediately it said I only had 5 cents on card I never got to use the card to buy at all. And I called the website in the back of the card. They asked for a photo of my ID and a selfie holding my ID and pictures of gift card front and back picture of recipe activation receipt. I sent them everything they asked for. They said they would contact me in 24 hours. Then the next day the sent me an Email asking for the same information I have already sent them. And theyre not helping at all. Their website is https : //www.giftcardmall.com/us/en/trust/support
Product: Debt collection

XX/XX/18 I paid XXXX late fees and requested an extension of my loan XXXX XXXX XXXX. I sent the paperwork back four times and the claimed they never received it. After a minor operation another rep called me and said if I went to staples she would fax it to me there and I could sign it and send it right back. They started trying to fax my phone number. I went to staples faxed them and told them they were using the wrong number. No response. I was getting harassed repeatedly XXXX and 4 times a day. I spoke with no less than XXXX rep and explained, no one paid any attention and just kept calling. People would tell me that they would call me back the resolution and didn't. They just continued to harass me at work, at home no matter where I was. When I would block one number, the would call from another. I have been so stressed, that my XXXX XXXX flared up and was hospitalized. Due to my condition, I can't live with that much stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these creditors to pull my credit report to obtain creditor.

1 ) .XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ; XXXX XXXX On XX/XX/XXXX. Unknown inquiry, please delete 2 ) .XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX ; XXXX on XX/XX/XXXX. Unknown inquiry, please delete 3 ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX/ ( XXXX ) XXXX XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 4 ) .XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX/ ( XXXX ) XXXX  XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 5 ) .XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX| ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry , please delete 6 ) .XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry, please delete 7 ) .CoreLogic Credco XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( Credit Report inquiries ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Credco XX/XX/XXXX Unknown inquiry, please delete
Product: Checking or savings account

On XX/XX/XXXX I enrolled in a checking & savings account with Wells Fargo. After a few days I called to collect information on my account and was told that I had an account with them in XXXX and because the phone number I used to build the new account didnt match the number I used 17 years ago I can not be authenticated and am unable to access those funds. I went into a branch and showed them my IDs and withdrawal from my XXXX account and was still denied access to those funds. Ive been robbed by Wells Fargo and have no clue how to get my money back from them.
Product: Credit reporting or other personal consumer reports

I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to file a formal complaint against Equifax for ongoing issues with inaccurate reporting on my credit profile, along with their repeated failure to conduct accurate investigations into my disputes. Equifax 's actions have not only harmed my financial stability but have also caused significant emotional distress due to the repeated denials and humiliation I have faced. 

Here is a summary of the key issues I am experiencing : Inaccurate Reporting and Inadequate Investigation For years, Equifax has incorrectly reported multiple items on my credit profile, specifically my student loan accounts. Despite numerous disputes submitted by me, Equifax repeatedly failed to address or correct these inaccuracies. It was only after my final dispute, sent with a comprehensive invoice and formal demand for investigation, that Equifax finally removed these accounts, providing proof that their prior investigations were either incomplete or inaccurate and in violation of my consumer rights. 

Emotional and Financial Impact The extended period of inaccurate reporting has resulted in numerous denials and setbacks, including multiple credit denials and the resulting financial impact. This has led to feelings of XXXX and humiliation, significantly affecting my well-being. Equifaxs failure to investigate thoroughly, as required under the Fair Credit Reporting Act ( FCRA ), has exacerbated my distress and has impacted both my emotional and financial life. 

I am asking for the CFPB 's assistance in ensuring that Equifax complies with federal law, compensates me fairly for the harm caused, and adopts better practices in handling consumer disputes moving forward. I would greatly appreciate any help CFPB can provide in expediting this matter.
Product: Debt collection

This debt is a result of fraud. My identity was stolen and the man responsible was arrested. I had a fraud alert on my credit and I also have a FTC report as well. XXXX XXXX knew this was fraud and removed the account once I removed my fraud alert they put the account back on my credit. I recently filed a dispute with XXXX and I have been getting calls from an unknown number. Today XX/XX/23 I picked up and another company opened the call with XXXX XXXX the last 4 of your social and proceeded to call out my social without verifying it was the correct person. I repeated ask the name of the company and was told they couldnt share the name but they were calling on behalf of XXXX XXXX. They hung up on me and I called back and finally got the name. They told me XXXX XXXX sold my debt to them in XXXX of this year because I refused to pay. I was confused because not only is the debt due to Fraud but I presently have XXXX XXXX and I know I dont owe anything. This company told me they dont care and if I didnt pay they will further damage my credit they didnt care that it was fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy Courts DO NOT report to Consumer Reporting Agencies because they know its not legal. Lexis Nexis and other secondary bureaus fishes for information and they sell it the larger consumer agencies like a XXXX, XXXX, and XXXX. The Consumer Reporting agencies claim that they investigated and it came back verified. Who did they speak to, to verify this? They didnt speak with me. Did they speak to a competent witness or the court house clerk? It is illegal for the Consumer reporting agencies to access public records and furnish to my consumer report. This is a violation pursuant to 15 USC 1681 and my consumer rights to privacy pursuant 15 USC 1681 ( a ) ( 4 ). Another violation pursuant of 15 USC 6802 ( b ) ( 1 ) a financial institution may not disclose nonpublic information to a nonaffiliated third party. and violating 15 USC ( b ) ( 1 ) ( c ). Anything between me and another party comes into play its not public information and its illegal and I have to give my consent to share my non public personal information. The courts stated in the letter that they dont provide or report any information to 3rd parties consumer agencies. Also I never gave written instruction to furnish this account on my consumer report pursuant to Pursuant to 15 USC 1681 ( a ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I sent numerous a letters and time to seek justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I made a payment of {$57.00} with bill payment check from XXXX XXXX bill pay service over the phone through XXXX XXXX XXXX automated payment service. Check was authorized and posted to my account on XX/XX/22. On XX/XX/22 I made a payment of {$60.00} with bill payment check from XXXX XXXX bill pay service over the phone using XXXX XXXX XXXX automated payment service. Check was authorized and posted to my account on XX/XX/22. I have statements from XXXX XXXX that confirms these payments were posted to my account. Please note that I made these payments with checks I received in the mail from XXXX XXXX bill pay service and it was my first and second time using the service. I expected XXXX XXXX to pay XXXX XXXX directly electronically. I discovered later that XXXX XXXX was not set up with XXXX XXXX in order to pay them electronically through the bill pay service. So XXXX XXXX mailed the payment checks to me. Also XXXX XXXX debited my checking account for payment of those checks days before I actually received the checks and made the payments to XXXX XXXX using the routing number and account number that was printed on those checks. I called XXXX XXXX after my statement date of XX/XX/22 and discovered the payments of {$57.00} was reversed on XX/XX/22 and payment of {$60.00} was reversed on XX/XX/22. I still had the checks I used to make the payment over the phone. I spoke to a customer service rep and I was told they could not accept the payments I made over the phone. So I had to mail the checks to XXXX XXXX and posted on XX/XX/22 which is the reason why XXXX XXXX reported my account 30 days late. XXXX XXXX 's investigation results where not consistent our accurate with XXXX XXXX 's information. the 30 day late that was reported to my Equifax account was removed and then reported again as 30 day late 2 days ago causing my credit score to go down XXXX points from XXXX to XXXX. XXXX XXXX has mailed me a written history of how the checks were processed I am waiting to receive that information in the mail.
Product: Debt collection

I have disputed account # XXXX with PINNACLE LLC/RESURGENT on XXXX/XXXX/2016 and sent my dispute certified mail requesting validation of this debt. PINNACLE LLC/RESURGENT failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XXXX/XXXX/2016 and I have not heard back from XXXX, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, I will take legal action.
Product: Credit card or prepaid card

I called Paypal Credit in XXXX after I got my statement that said my account was closed. They are presently pretending that they do not have that call at all. 

I spoke to XXXX and XXXX who is a supervisor. 

I asked for a way to pay this via a settlement and time to pay. I was told that they couldnt do it because the account was only 132 days past due as it XXXX XXXX, XXXX even though it was closed.They call it past due because I did not pay ALL of the balance owed. I was making small consistent payments each month. 

I have NOT had any other correspondences from Paypal Credit since that last statement in XXXX, I think. Neither by phone, email or snail mail. 
They told me back then I could pay on that same day I called them in XXXX and pay 70 % of the balance, and I said to them if I could pay you that much I would not be asking for a plan. 
Now I am able to pay them some money, and I see that I have no option to pay I call them. I am told its charged off. Why didnt I have any correspondence from you? They claim that Itold them to call after XXXX XXXX. I am XXXX and If I did say call me after XXXX, they must have converted the time to central which would have been my XXXX and their XXXX. So to make it look like I was I bad, they put down XXXX. I never said they couldnt write or email. I still get email from them offering me a credit card. As recent as this week. 
XXXX to whom I spoke this morning, told me he would give me the number to the collection agency that they sent it to after I told him I did not get anything from anyone to say I have a charged off account. 
Why would I call a collection agency who had not contacted me? And why would I do that knowing that Paypal Credit has not contacted me in anyway to tell me my account was charged off and that they were sending it to a particular company to collect?
I would like to pay my balance with Paypal Credit. And I would like to have the opportunity to pay using a plan because I asked for it before hand was told it was too soon and immediately after they charged it off and sent it away it seemed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft fraud. An XXXX account was fraudulently opened with my name and social security number. I learned of this because I was trying to get financing for the purchase of a home and when my lender pulled my credit report on XX/XX/XXXX my score had dropped 100 points. I learned that a debt was being collected by Sunrise Credit Services. I called Sunrise credit services and they gave me the XXXX account information and told me I had to work directly with XXXX to get it resolved. I worked XXXX, provided an affidavit and proved my identity and they were able to provide an exoneration email and recall the debt from Sunrise Credit Services. I tried to use the XXXX letter to do a rapid rescore for my credit score so I could move forward with mortgage financing. I was informed that I would need an exoneration letter from Sunrise Credit Services because they are the company reported on my credit report. I contacted Sunrise Credit services multiple times and they have been unwilling to help me get the documentation I need for a rapid rescore. I called and was frequently cut off by customer service agents, not listening to my needs and telling me they couldnt help. Every agent I spoke to gave me different information. I escalated to a supervisor and they said they would work on it and call me back but never did. I called back multiple times trying to get back in touch with the supervisor XXXX XXXX and was put on hold, transferred from agent to agent and disconnected multiple times. I submitted a dispute with them via email on XX/XX/XXXX trying to go that route to get the documentation needed. I havent received an acknowledgement or response. When I called Sunrise Credit Services asking to be transferred to the department that handled the fraud disputes, I was told they could not connect me. This fraudulent account has impacted my ability to get the rates I deserve for a home purchase. I understand the process for updating a credit report takes time. But I am just looking for exoneration documentation from Sunrise credit services that I can provide to my lender, so I can move forward with financing by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX AGENCY : XXXX XXXX XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF XXXX : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Debt collection

Hi! 

On XX/XX/XXXX I visited the ER at the XXXX XXXX XXXX Hospital. I provided my insurance information at the time of service. I received and paid 4 bills that were processed through my insurance XXXX XXXX XXXX XXXX XXXX, which was provided to me by XXXX. One bill, attached, was a facilities fee for {$570.00}. 

Without telling me, my insurance refused to pay this bill. They claimed the billing codes were fake. Also without telling me, the hospital sent this claim to a debt collection agency after 3 months. After a long back and forth in which I had no leverage, I ultimately paid {$290.00} to the debt collector CMRE Financial on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters to the 3 Credit Bureaus.

One to each Bureau. 

XXXX  received the letter and has not removed names that are incorrect on my credit report. 

XXXX received letter and notified it would take longer than 30 days to review incorrect personal information on my credit report. 

TransUnion received letter and has not notified me of them regarding receiving letter to remove incorrect personal information. Letter sent as certified mail. 

All letters were sent as certified mail.
Product: Student loan

1 ) I submitted my Income Based Repayment paperwork within a few days of receiving the request from XXXX. Two moths later, my payments reflected that it hadnt been received. I called and was told my paperwork was received too early so processing it was put on hold. It was then processed but my next payment amount due could not be edited to reflect this. I had to put my loans into forbearance, suspend direct debit, make another call to manually enter my payment. I spent multiple calls and hours trying to make sure I didnt have my bank account drained by an incorrect payment. 

2 ) Additionally, apparently when my account was transferred to XXXX I made a payment which I was told would count towards my pslf when I was placed on administrative forebearance ( without my knowledge ). Apparently that payment in some way was applied to future payments and for the past 18 months those payments would not have counted towards pslf because a paid ahead status disqualifies one from being a qualified payment. I never asked to pay ahead. In fact, the representative told me that all loans have this default option to pay ahead. Why would a company servicing my loans for the sole purpose of administering the pslf program have an automatic or default setting which disqualified me, the customer, from the program? I had spoken with representatives multiple times in the 18 moths during which my payments were apparently not qualifying payments and this was not made clear by any representative. Supposedly paperwork was submitted to retroactively remove this disqualifying status and make the payments qualifying. 

3 ) The system which allows for review of qualifying payments needs a separate complaint as I requested a review in XX/XX/2017 and ten months later it is still waiting to be processed to answer why many of my loans have varying numbers of qualifying payments applied to them. I was told this process is now taking 12-16 months.
Product: Student loan

My student loans are serviced by ED FINANCIAL. The total amounts of the loans was a total of {$100000.00} as of XX/XX/XXXX. They were broken down into XXXX accounts. They are loans for a XXXX degree and a XXXX XXXX. The loans are in deferment due to the COVID 19 pandemic. 
On or about XX/XX/XXXX, I received notifications from XXXX, XXXX and XXXX that the accounts serviced by ED FINANCAIL had been closed and " paid off. '' As a result, my credit scored decreased by more than XXXX points. I obvuiulsy did not pay these loans. I have not made any payment since early XXXX before the XXXX XXXX pandemic began. I did not receive any notification of a payoff and closing of my account from the XXXX major credit reporting agencies. 
I can not view my account on my online ED FINANCIAL account page as there are no balances or payment history. This also happened recently.

On the ED FINANCIAL website, it states that some borrowers will have their loans serviced by another processer and/or platform. I have not receivedm
any email regarding the above actions by ED FINANCIAL.