23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I purchased a vacuum from an inhome sales person. I got the loan from this company in 2017 for XXXX . Within the 1st month the vacuum broke and I attempted to return it but they refused to let me. The have since been charging me interest and refusing to close out the account. They sent me an email today stating that they would take 0.95 % of my balance which was currently at XXXX $ to settle out the account which would equal about XXXX XXXX When I called them an hour after i received the email, they said my account was XXXX $ and they would only accept 95 %. There is a vast difference in that and the agent assigned to my account refused to put anyone else on the phone. I don't understand how they can do this as they lied to me.
Product: Student loan

On 5 separate occasions in XXXX, I have directly mailed and/or called in to FedLoan Servicing explaining unforeseen circumstances that resulted in late payments being reported to all three of the credit bureaus ( XXXX, XXXX  and XXXX ). In late XXXX of XXXX, my mother passed away due to her battle with XXXX XXXX. I was providing direct care for her prior to her passing and also had to deal with various arrangements of her affairs immediately after her passing. During this difficult time of caring for my mom throughout XXXX an up until her passing, I inadvertently lost focus of my own due dates for my financial responsibilities. It was an extremely difficult time for myself and my family, as I was very close to my mother. As soon as I realized my oversight of payment to XXXX XXXX, I made appropriate arrangements to bring it current. I have ensured that my accounts have been in good standing since. With my correspondence to FedLoan Servicing, I did include a copy of my mothers death certificate as " proof '' of this unfortunate situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that LexisNexis Provide me with the method of verification they used to verify the bankruptcy they have shown on my consumer report. Pursuant to FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

They did not provide me with this information all they did was respond saying it was verified. I did not dispute it I just requested their method of verification. I have attached the letter I sent and I have also attached LexisNexis response.
Product: Debt collection

The company that has called me is Pinnacle Asset Management. They have stated that I owe a debt for a payday loan. However, I have never taken out a payday loan with the company that they are claiming they represent. When I asked for evidence that the debt is valid they refused and only stated that I have had a letter sent to my home. I have not received any such letter nor have I received an email which they also claim they sent. When I contacted the rep to request that they validate the debt with either the original contact information of the creditor or by providing me with documentation showing that I signed off the " loan '' they refused to comply and stated that they did n't have to do that since they were the mediator. The rep name XXXX then proceeded to insult me by calling me professional debtor. He then pulled up my linked in account and proceeded to read off the information on my linked in account and threatened to contact the people in my list by telling them that I was a professional debtor. He then hung up on me and would not pick up my calls afterward. Another rep was calling my mother and other friends and family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I looked on my credit report and noticed that there are alleged debts that hasnt been validated placed on my credit report.. I do not owe any debt and these alleged debt are being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit card or prepaid card

I received a letter from halsted financial services llc stating that they bought my account from XXXX XXXX XXXX and that I owed XXXX the date on the letter is XX/XX/2021. I actually received the letter in XXXX. I never opened a credit card with XXXX XXXX. XX/XX/XXXX I called halsted and inquired about this. The social security number and email were mine, the secondary email had my stepmom name. I told the agent I would be challenging this and the call ended
Product: Credit reporting or other personal consumer reports

I found that UpLift was reporting on my credit report. This was not me I sent them a police report and FTC affadavit 4 times already with no response, I also sent it to the credit bureaus and still have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a old navy card and they switched to barclays and started charging minimum fees if you did not use the card as soon as I noticed the small fee I called in to cancel the card and get the fee removed. I was reassured the account was closed and the fee was removed and the next month I got another email claiming my account was passed due. I called again and again the rep stated she would credit the fee and close the account. The 3rd month rolled around I got another notification and called again. Same thing, this time more minimum charges plus now late fees. Rep assured me she would handle it once and for all. I recieved a notification from the credit bureau the card was closed due to late payment they made derogatory remarks on my credit and they are still charging the minimum fees and late payments. I called AGAIN this is 5 months now. I spoke to a supervisor that had so much background noise now they are telling me I have to jump through hoops to get this removed. My husband and I are trying to buy a house. This BARCLAYS has made my credit drop down XXXX points!!! I just want this fixed. I don't know what else to do. I even offered on the 3rd month just to pay the XXXX  XXXX minimum fee and move on but the rep said it wasn't necessary it was reimbursed and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with a company used to be called XXXX on XX/XX/2022, the company put part of the loan in a locked savings account which won't have access to until the loan is paid off. 

A few months after I took the loan, XXXX informed all their customers that they decided to sell all customer loans to another company as a strategic business decision. Thus, my loan was sold to a company called " XXXX XXXX XXXX XXXX , XXXX '' or XXXX as short name. 

I was able to establish online account with the new company and set a username and password to start paying my monthly payments to them. Due to financial hardship, I was late for a few months. One day, I was trying to login to my XXXX portal to make the late payments, then I received error message saying " XXXX - File or directory not found '', so I wasn't able to make any payments. 

A few days later, I was checking my credit report and found that I have negative account showing on my credit reports as a collection account with amount of {$110.00}. It seems that XXXX liquidated the savings account and used to pay the balance on my account without informing me. 

The savings account that was locked had a balance of {$670.00}. However, that savings account was liquidated and the amount of {$670.00} was used to pay the loan balance. Please note that I didn't receive any communication or mails from XXXX that my savings account will be liquidated. And as I mentioned above the website of the successor company who bought the loan from the XXXX wasn't not letting me to login so I couldn't pay the balance of the loan which was {$110.00}, and I don't have any information for that company so I can send them the payment. 

As I mentioned earlier I didn't receive any mail or any communication from that company regarding any actions they were planning to take regarding my savings account or the loan balance. I am also attaching screenshot for the screen when I try to login to my account through the company 's website, and will see that it gives me error message as " Not Found '' page. Now that amount of {$110.00} is showing in my credit report as charged off or in collection. 

Now my credit score went down because of this negative account that is showing as a collection on my credit reports with all the 3 credit reporting agencies. 

With all that mentioned above, I am requesting to delete that account from all of my credit reports as it's causing harm to my credit specially that I need to move soon and rent a new apartment, and with that account showing in my credit report it will be hard for me to rent a new place. I want to pay the balance owed of {$110.00} but I need first to make sure that XXXX will remove the negative account from all 3 credit reports and I need to know how can I pay that balance. 

Thanks, XXXX XXXX
Product: Mortgage

I applied for a mortgage loan to comply with a divorce settlement to remove husband from the deed of trust in which I had to buy him out. Wells Fargo set this up as a refinance with my ex-husband 's name on the mortgage and deed of trust even though I specifically told them it was for my name only and gave them a copy of the signed separation agreement. At closing ex-husband 's name was still on the documents. I was told at closing that I had to sign as is in order to get the interest rate and avoid other penalties. I lined through ex-husband 's name in order to get through the closing. Please see attached for timeline of events.
Product: Credit card or prepaid card

Hello, Im trying to link XXXX to my XXXX XXXX credit card, but XXXX is blocking me from enabling external applications, could you please look in to this issue and help me fix or solve it? 

Thank You, XXXX XXXX XXXX
Product: Debt collection

I was never notified by XXXX XXXX  that the debt for a chiropractor bill was not paid by my insurance before they sent it to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance repeatedly sent collection letters with their logo and each phone call was prefaced with an attempt to collect a debt and failed to disclose I could have reci no ded the contract of a lemon vehicle.
Product: Credit card or prepaid card

On this date : XXXX XXXX 2022, I closed my PayPal-Master Card Account... Instead of PPM transferring my rewards money to my regular PayPal Account Balance they just took my rewards money without any warning, or made aware of other options regarding my rewards money. They just took it... and I feel robbed! 

I want my rewards money. Who knows how many people this happens to. I earned those rewards, I want them back! 

Thank you in advance and stay well.
Product: Credit card

I am filing this complaint regarding a Discover collection account that is negatively impacting my credit report. The account is either inaccurate, invalid, or unfairly reported. 

I have contacted Discover and/or the XXXX agency to resolve this matter, but no resolution has been reached. I also filed disputes with the credit bureaus, but the collection has not been removed or corrected
Product: Mortgage

I have had a long stretch of XXXX XXXX XXXX XXXX over the last several years. Most of it in the last XXXX XXXX years. Also, the recent deaths of two co-mortgage holders. 

Midland Mortgage said they would work with me, but then they sent me a payment plan that was the regular monthly payment of {$1100.00}, and the past due amount equaling {$6100.00} for six consecutive months. Refusing this plan, they informed me that there was no other assistance available, resulting in them sending it to the foreclosure lawyers. 

If I wasn't able to do the regular payment back then, how do they expect me to pay this ridiculous amount now?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of fraud because someone hacked my XXXX XXXX  account and over the course of 4 months sent out over {$3100.00} out of my Wells Fargo checking account. I didnt notice because it was a bunch of small charges ranging from {$3.00} to {$200.00} but the majority being {$20.00}. Wells Fargo denied my claim because they said I waited too long to file my claim. I didnt notice it until XX/XX/XXXX and I filed that day. I filed claims with the FTC, added a fraud report to my XXXX and when I downloaded XXXX I found out I had over XXXX recent inquiries. I just want my money back and I think thats fair. XXXX XXXX has no one to call or complain to and it came out of my Wells Fargo account so I should be protected.
Product: Credit card or prepaid card

I have 2 XXXX Care Credit credit cards through Synchrony bank. I charged a repair on both cards ( 2 separate transactions ) under a 12 month promo. The promo was somehow removed from both of my accounts by Synchrony, so I have been charged interest each month on both cards. 

I have called, my husband has called and I have emailed Synchrony several times to have the promos put back on and the interest taken off of both cards. I have sent Synchrony the XXXX paperwork showing the promos. Moreover, the Reps have found the promos in the system, so there is no debate on whether or not the amounts and the promos are correct. We have both been told several times that this issue would be fixed on both cards ; however, several months later, it still has not been fixed on either card. I have been dealing with this for over 10 months! 

Card 1 was charged XX/XX/XXXX for {$XXXX} and card 2 was charged on XX/XX/XXXX for {$XXXX}.
Product: Credit reporting

I 've asked this company several times to remove themselves from my Credit Report. Please have them removed from my Credit Report as they 've been leaching on it since XX/XX/2014!!!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer credit information is collected, disseminated, and used. It is designed to protect consumers ' rights and ensure the accuracy and privacy of their credit information. When a credit reporting agency like Experian fails to meet its legal obligations under the FCRA, it can lead to several potential issues : 1. **Inaccurate Reporting** : If Experian fails to provide accurate information in consumer credit reports, individuals may be denied loans or credit based on incorrect data. This can severely impact a consumer 's financial life.

2. **Failure to Investigate Disputes** : Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports. If Experian does not investigate these disputes in a timely and thorough manner, it violates consumers ' rights.

3. **Lack of Consumer Rights Notification** : The FCRA requires credit reporting agencies to inform consumers when adverse actions are taken based on their credit reports. If Experian fails to notify consumers properly, it can hinder their ability to understand and rectify their credit situations.

4. **Failure to Secure Data** : The FCRA mandates that credit reporting agencies take reasonable steps to protect consumer data. A failure to do so can lead to data breaches, compromising consumer information.

5. **Legal Consequences** : If Experian is found to be non-compliant with the FCRA, it may face legal actions, penalties, and lawsuits from affected consumers or regulatory bodies.

6. **Impact on Credit Scores** : Inaccurate or mishandled information can lead to unjustly low credit scores, which can affect consumers ability to secure housing, employment, and favorable loan terms.

In summary, if Experian fails to uphold its obligations under the FCRA, it can have serious ramifications for consumers, affecting their financial health and creditworthiness. Consumers have the right to seek legal recourse if they believe their rights under the FCRA have been violated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against my student loan servicer, Mohela. 
In XXXX, there was a transition of their online system. After XXXX, I noticed in my credit report that my loans had been duplicated, stating that I have {$830.00}, XXXX of student loan debt, where in fact, my total student loan debt is {$420000.00}. I started communicating with someone from Mohela about this in XXXX ; they instructed me to obtain a copy of my credit report and upload it into their portal, which is problem 1 : there is no place to upload such information online. 
I called at least 3 more times in XXXX, but could not get through to anyone who could give me a status update on my case. In XXXX, I received a call from a supervisor, but she did not provide her callback information. When I called back ( and waited over an hour on the phone ) I was directed to another supervisor who told me that she was unable to handle my case, as it was being handled by another supervisor. XXXX never called me back, and I received a letter on my Mohela XXXX XX/XX/XXXX saying that Mohela had not duplicated my account information on my credit report, but that I was able to submit a formal complaint in writing to their address. 
On XX/XX/XXXX, I printed out my XXXX page credit report, along with a formal complaint letter, showing that the account balance had been duplicated, and mailed it to Mohela, which was received by them on XX/XX/XXXX ( confirmed through tracking ). 
On XX/XX/XXXX, I checked my credit report, and noted that my ( previously excellent ) credit had plummeted more than XXXX points because of this erroneous reporting which still had not been fixed. 
I did call Mohela at this point, as I was irate. I am in the process of trying to get a mortgage for a new home and this negative credit reporting has impacted my ability to do so. 
Finally, I was able to talk to a supervisor, XXXX, who admitted that the mistake had been made during the system switchover in XXXX. She told me that there were multiple inquiries open into my complaint, but that unfortunately, in spite of contacting them since XXXX, had only started on XX/XX/XXXX. She told me it would take 30 days for them to resolve this and then another 30 days for this to be fixed on my credit report. In my opinion and legally, this is unacceptable to have a formal complaint take more than 60 days for resolution.
Product: Debt collection

My spouse owes money to a local hospital which they did rightfully so send it to the debt collector Harris and Harris. The amount is approximately $ XXXX. We just haven't been in a position to pay however for the last few months they have been calling her at approximately XXXX est every day for months but have been calling her 3 times per day. I believe XXXX says they shouldn't call more than twice per day. I work for a major studen loan servicer and we're not allowed to call more than twice per day between XXXX and XXXX. They have also been calling her at work every day trying to collect of which I believe per the FDCPA they are only allowed to call to verify employment not to collect. Call records can provided upon request. The debt itself is not in dispute but malicious practices against government regulation such as TCPA and the FDCPA Section 805 15USC 1692d ( 5 ) clearly does state " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number '' call records can be provided upon request
Product: Checking or savings account

Wells Fargo opened a host of unauthorized accounts, employees created debit cards/PIN, processed fraudulent transactions in excess of {$100000.00}, closed my account when they discovered employee fraud occurred on my accounts, trespassed me from the bank, failed to provide restitution in accordance with the consent order placed by federal regulators.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX that show I communicated with their representative. 

I need to get this erroneous negative mark off my account.