23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Thank you for any assistance I may receive. 

**My husband & I refinanced our home with a loan origination date of XX/XX/2020 for {$110000.00}. 
**Our first payment was due XX/XX/2020 but could be paid until XX/XX/2020. 
**We submitted our first payment of {$930.00} to XXXX XXXX via our local financial institution ( XXXX XXXX ) through an electronic transfer XX/XX/2020. 
**The money was deducted from our checking account appropriately.

**CMG Financial has not been able to locate this payment & required us to make another payment, which we did on XX/XX/2020 for another {$930.00} + {$9.00} fee. This 2nd payment has been received but the 1st payment is still not located. 
**I ( XXXX ) has spent a lot of time online & via phone calls trying to help XXXX locate the XX/XX/2020 payment. On XX/XX/2020 I submitted the ACH Transmittal Form from our credit union to XXXX as was requested for verification and tracking of the XX/XX/2020 payment. I was told that this would be answered by XX/XX/2020. I submitted the ACH Transmittal Form a 2nd time as well. I again contacted CMG Financial via phone and online today ( XX/XX/2020 ) and there is still no resolution and our XX/XX/2020 payment has not been found or recorded. Per online documentation, we still owe another payment of {$930.00} now when actually our next payment is due XX/XX/2020. We have just sold our home and are due to close escrow XX/XX/2020. I am concerned that our very good credit is in danger of being harmed and that a correct payoff amount will not be given to the title company that will be paying off our home after the sale. 

I have been unable to resolve this situation and our initial {$930.00} payment electronically transferred to CMG Financial is still not found and credited to our account. I have spoken with numerous persons, even supervisors, but without resolve. The entries for help to CMG Financial online say this situation has been " solved '' but this is not the case. 

We have made two payments but only one has been recorded. We are hesitant to make another payment at this time but that may harm our credit if we do not. 

My husband and I would appreciate any help to get this situation quickly resolved. We have tried to be patient and wait for CMG Financial to do their job but we have lost confidence in them. 

Thank you for your time and consideration. 

Best Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive explained NUMEROUS times to trans union that Ive been victimized before with fraudulent accounts using my name to establish credit and  this XXXX/account is an example of this. the credit provider has recognized this and closed the account writing off the balance. I was not even aware this account existed till recently. Trans union has refused too eliminate the account as the company company has., and still reports late payment etc regarding this account which has cost me 50 point on my score. Ive disputed this account numerous times and they still refuse to eliminate this fake account. THIS IS THE ONLY BLEMISH ON MY REPORT WHICH IVE WORKED HARD TO MAINTAIN!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Either XXXX XXXX XXXX XXXX is reporting incorrectly, or TransUnion is listing this account incorrectly. 
2 errors. First, the charged off amount is not XXXX as listed on report. XXXX XXXX showed my chargeoff/remaining balance as XXXX. 
Next error is the date the account info will fall off of credit report. 
By them re-aging the date of original/first delinquency... .it moves the XXXX from XXXX ( see XXXX  letter ) to XXXX. 
As the letter that clearly is titled " NOTICE OF DEFAULT AND INTENT TO CURE '' shows a date of XX/XX/XXXX ... .this is the date of first delinquency, not the one being reported and preventing me from obtaining new credit!! 

This unfair re-aging prevents me from obtaining new credit due to the " recent delinquency ''. This should be removed after 7 years... not 11 years after the date of first delinquency!
Product: Checking or savings account

I opened a capital one savings account thinking that it was a high yield savings account because that is what they marketed it as. The interest rate was supposed to be 4.35 %, however that is not what I received. My monthly interest paid would be anywhere from $ XXXX {$2.00}.
Product: Checking or savings account

Greetings - I have been saving for the purchase of a new home in a savings account run by Synchrony bank managed by PayPal. As we approach closing for this home I transferred the money out of the account into an account where I could wire the money.

The underwriter for the bank requested documentation showing all moves of money prior to closing the home which is reasonable. The move happened before the monthly statement was released for customers from Paypal.

On the web application there are no where totals are listed for the account as with every other bank I have ever used. Showing the running totals is required for verification of assets by underwriting for banks. 

After reaching out to the bank initially on XX/XX/year> and filing three support tickets to then receive a callback on XX/XX/year> I was told by the supervisor that there was no way this information could be made available to me or provided. 

Thus the closing on my purchase of a first home is severely at risk according to our lender and it is likely we will not be able to close on this home because of it.

I would strongly, strongly, suggest others to not use the PayPal savings product if they wish it to be used for any purchases or services that require verification of asset totals or assets in holding.
Product: Student loan

I am currently on the XXXX on a XXXX XXXX ( XXXX ) repayment plan, and as of XX/XX/XXXX, Advantage placed my loans in administrative forbearance, scheduled to end on XX/XX/XXXX. 

According to the notice I received, no payments are required during this forbearance period, and my interest rate will be set to XXXX XXXX  meaning no interest should accrue. However, I have noticed that interest is being added to all my loans daily. 

I would appreciate it if you could clarify this discrepancy and confirm whether my loans should be accruing interest during this period. Additionally, I kindly request a detailed breakdown of any interest charges applied to my account. 

Thank you for your time and assistance. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

Incorrect information getting exposed through several companies, including Equifax XXXX XXXX XXXX XXXX, just the name of you
Product: Money transfer, virtual currency, or money service

Tried to pay off loan with a wire transfer from my bank. First time nothing happened. Received another statement so I called there Express 24 line. They said my bank number was wrong. Rechecked routing and bank account number and got another conformation number and was told it would take five to ten day. Checking my account every day and nothing so far. All this happened between XX/XX/19 and XX/XX/19. The payoff amount between these dates increased due to interest. XX/XX/19 payoff was XXXX on XX/XX/19 was XXXX.
Product: Credit card

Hello! I applied for XXXX benefits to be added to my credit card last year & I havent received any feedback from Amex. I have called them twice with no luck. I am currently XXXX XXXX XXXX and am stationed in Louisiana, which is a KP ( Key Provision ) state. All debt incurred BEFORE AND DURING service qualifies for XXXX  % XXXX & refund of ALL interest paid beyond the XXXX  %. However, Amex offers XXXX % APR and full refund as a courtesy to service members.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( EXTRA ) ( Account # XXXX ), Has violated my rights. 15 U.S.C 1681 section 602 section A states I have right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Fraudulent Accounts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX P.S.- Please remove, IMMEDIATELY, all inquiries that were made fraudulently and mentioned or described in the FTC report.
Product: Money transfer, virtual currency, or money service

Purchased a product ( electronic floor cleaner ) from seller on internet. United States Postal Service confirmed something was delivered from seller but not to my address. USPS acknowledged that I was scamed as the seller used another tracking number and address. I filed complaint with PayPal and they said they could not refund the money ( XXXX ) because the product was delivered. USPS said that PayPal does not verify addresses from internet sellers and they often experience this type of scam.
Product: Debt collection

Comenity Bank continues to call and harass me and my wife also hides their numbers to unknown. Also they continue to say I need a lawyer cause they are going to ruin my credit. Well its already ruined. I lost my job due to Covid, I became sick and I am XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the corresponding court and they have admitted in writing that they do not furnish the credit agencies any information. 

I have reached out to XXXX and XXXX has suppressed any information to any alleged public record.
Product: Debt collection

XXXX XXXX  XXXX has reported incomplete and inaccurate information to this credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute an account with Transunion for a few months now. I have also sent a letter to the reporting company and had the letter returned " NOT DELIVERABLE AS ADDRESSED '', which is in violation of the Fair Credit Reporting Act.

I have disputed this account and requested it removed from my credit report since I can not verify the information with the company.

Since I filed a dispute with TRANSUNION, I have been blocked from Transunion " online '' and can not utilize the site anymore. I called Transunion and was informed that since I filed a dispute online, I can not view my credit report or utilize the online system until the dispute is completed. I also informed Transunion that it is in violation of some kind of law because all information is supposed to be completed in the applicable time frames and I can not view my accurate report and can only file a dispute by mail since I have been blocked. Transunion advised me to pay for a report each time and dispute it this way.

If I mail a dispute, 3-5 days in the mail, then 30 days for review, then the results would be mailed to me again since I can not review anything online. This would take approximately 6 weeks for any results of a dispute.

I am including a copy of the letters and a copy of the returned envelope corroborating my claim to have this account removed from my credit report.
Product: Debt collection

On XX/XX/2019 at XXXX ; I relieved in my Post Office Box a post card from Credit Protection Association , LP alleging that a debt was owed in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX ( {$520.00} ) XXXX XXXX XXXX XXXX ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX  ( {$17000.00} ) XXXX XXXX Account # XXXX 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 a account without my written instructions
Product: Mortgage

PNC Bank issued a check to us to the wrong address in XXXX 2013. We have repeatedly contacted them to reissue the check to us at the correct address without resolution or response. The check is in regards to a settlement with federal regulators for fraudulent and faulty foreclosure practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current credit files it seems to be a decrepency via an account inwhich allued me to believe someone must at some point used my identity to forge such an manipulation. Now I'm demanding that this account not only be removed but blocked as well. 

1 ) ; XXXX XXXX  XXXX  {$120.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

XXXX - XXXX seller, I had to refund 4 buyers, depleting my checking account. 
XXXX - PayPal launches a series of XXXX donation debits destroying my checking account XXXX {$1200.00} XXXX fees. PayPal & Synchrony Bank were impossible to connect with. XXXX hours on hold w a hang up & more horror stories trying to just get a human to stop the flood. 
XXXX - Kept fighting - get an address from helpful third party customer service contract employee who is afraid to give her name. 
XX/XX/XXXX- sent letter to XXXX XXXX w 2 money orders. They lost one {$250.00} and cashed the other {$150.00} to the wrong account. XXXX XXXX - XXXX XXXX ' XXXX XXXX ( exec. assistant ) calls me and apologizes but I am still out my car and {$1200.00} in fees not counting payments/ penalties ( I will attach letter if I can ). He gives me private number so I can again if there is a future problem. 
XX/XX/XXXX- sent all as due but they return the original money order. I resend that to the PayPal Pay in 4 address and they send it back XX/XX/XXXX - receive the money order again- with note that I can only pay my Pay In Account XXXX by linking my bank account to PayPal. 
XX/XX/XXXX - receive a letter from Synchrony that ( because I was late paying a couple of days ago in XXXX first week never before & only late because I am trying to figure out how to pay the Pay in 4 account ), they have lowered my credit and ruined my credit rating. Called XXXX XXXX and XXXX XXXX XXXX no success. All out of the office. Called a bankruptcy attorney at Legal Aid and hope they respond as they say next week XXXX - XXXX - XXXX. Please help me. I am now hungry.
Product: Checking or savings account

Received a email my account is in overdraft for XXXX you can not withdraw a XXXX from you account have not been using my card to order any thing lately and I went into the bank to withdraw this month with this technology and online management is becoming a nuisances and a avenue to abuse and charge customers erroroansly. I dont want to thing my bank or the products I use are scamming my account had to replace my card recently because of uber charges adjusting to the account at XXXX XXXX. Please same thing happen to my XXXX money card I feel like I am being discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft on my credit report. I sent all of my information to all three credit bureaus with a XXXX attached to my police report. I do know that the bureaus have up to 5 business days to delete the invalid information. TransUnion is refusing to delete the information that does n't belong to me. I am requesting that TransUnion immediately deletes the fraudulent information on my credit report, they now have had my police report for 3 weeks now. XXXX and XXXX deleted these fraudulent accounts on my credit report with no problem. There are 5 accounts in collections that do not being to me. They need to be removed immediately. I have also made a complaint in here in XX/XX/XXXX about the same companies and the collection agency never sent me anything to show any proof that I am the owner of the account
Product: Credit card

On XX/XX/year>, I was charged {$110.00} by XXXX for a subscription I had canceled during the free trial period. Despite canceling, XXXX failed to send a cancellation confirmation and later canceled my account without notifying me. I can no longer log in to my XXXX  account using my email address ( XXXX ), which means I have no access to the services I was charged for. 

I have made multiple attempts to contact XXXX through their support system, but they have only provided automated responses and no resolution. I also filed a dispute with my bank, Citi, but they closed the case, stating I need proof of cancellation from XXXX. However, XXXX has not responded to my inquiries or provided evidence of any activity on my account. 

XXXX actionscharging me for a service while denying accessconstitute unfair billing practices. I am requesting a full refund of {$110.00} for the subscription I can not use.
Product: Debt collection

On XX/XX/XXXX I had to go to XXXX XXXX Department - XXXX, XXXX XXXX XXXX, XXXX, FL XXXX for domestic XXXX reported to police. I have insurance and I provided my information in the hospital, I also had a bill for {$150.00} dollars in the mail for the XXXX and it was paid. Today XX/XX/XXXX I got a collection letter in my mail dated as XX/XX/XXXX for the amount of {$700.00} dollars with my name but the wrong street, no building letter and no apartment numbers from ; TSI Physical Address : Transworld Sustems Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Phone # XXXX Telling me that I am in collections for the amount of {$700.00} dollars from XXXX XXXX XXXX XXXX for the XXXX XX/XX/XXXX with no prior bills, statement or any kind of communication letter, validation letter for that amount. I called and collection agency just offered me to send me a validation letter. I called the hospital multiple times and they didnt answer the phone at all. I have an excellent credit and I never skip a payment in my life. I am very organized person and responsible to let my someone else to damage my credit, and put me in collection with no prior statement or communication having in mind that the hospital collected {$150.00} dollars after Insurance for the same DOS. I provided my driver license and my Ins card. No reason for my address to be wrong in the collection letter and I can proof of need it.
Product: Debt collection

On XX/XX/XXXX I mailed a certified letter to Calvary Portfolio Service requested an account on my credit report be removed or verified. On or around XX/XX/XXXX I received a response letter from Calvary stating that they are in response of my letter pursuant to the Fair Credit Report ACT on the referenced account and to accept their response letter as validation for the debt I am disputing. 

On or around XX/XX/XXXX I mailed a response letter via certified mail to Calvary Portfolio Service requesting detailed information regarding the validation of the debt and again to remove the debt from my credit report if they can not provide the proper information. To this date ( XX/XX/XXXX ) Calvary Portfolio Service has continuously failed to validate the debt as requested. 

On or around XX/XX/XXXX I received via USPS documents from the State Court of Henry County regarding a civil action filed on the behalf of Calvary Portfolio Service. This Civil action has been filed to garnish my wages from a company that I am not affiliated with and have never been employed by. Despite Calvary Portfolio Service not providing any information regarding debt validation they are pursuing legal action against myself and a small business owner on the basis of a un-validated debt.

Calvary Portfolio Service is using bullying tactics to force me to pay a debt that they are unwilling to validate. Additionally, Calvary Portfolio Service has seeked out fictitious information regarding a small business owner that I am not affiliated with and has not employeed me. Furthermore Calvary Portfolio Service 's failure to remove this in-valid debt is severly damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX 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 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 inquiries and its been 120 days 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 87 times. XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.