23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm currently in a legal dispute with my home owners association XXXX XXXX ( XXXX XXXX XXXX ) and their attorney Stark & Stark debt collector. Stark & Stark was sent a cease and desist letter on XX/XX/XXXX. my request has been completely ignored on multiple occasions. XX/XX/XXXX a notice wage of execution was sent to a colleague of mine and a company that i don't even work for. I wrote private on all my documents pertaining to this matter and was completely ignored. Stark & Stark has violated my rights many times. Stark & Stark has been bullying me for over 10years for a 3,000 debt. and another 7,000 in legals fees which is extortion. and because of their relationship with the courts the motions always work in their favor. They failed to provide me with an ADR ( alternate dispute resolution prior to ligation. Stark and Stark made false claims it was offered and I never responded which is false.Because the ADR law was created after I purchased my home. ADR should have been created by the association and I requested a ADR in court and still haven't seen one. Starting XX/XX/XXXX, I sent them a payment every month to try to resolve alleged balance, of the association fee in good faith and each payment was returned basically it wasn't good enough. How do you sue someone for money but return it? This is all about extorting me out of my home. XXXX XXXX and XXXX XXXX with the help of Stark & Stark and XXXX XXXX XXXX own several homes in my development using these same bullying practices. They're clearly taking full advantage of the fact. Our homes were built in a marginalize community through the affordable housing program. and they can get some prime real estate at a bargain.Now this area is under redevelopment. and our property values has tripled. Its unethical, aggressive and should be against the law but unfortunately, it's not. Stark & Stark and XXXX XXXX for some reason think they can skip steps in due process.
Product: Debt collection

I have been informed that negative information was reporting on my credit report by a collection agency with the name CMRE. I contacted this company by certified mail twice. on X/XX/2017 & XXXX XXXX XXXX to get validation of debt amount owed. This company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the USPS that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since. This company states I owe XXXX $ but I will not pay this collection agency any of my money without validation. This company have not contacted any of the credit bureaus to mark my account and disputed which now they are violation of Fair Debt Collection Practices Act & Protection under the FCRA Section 623. I need this to be removed from my credit report due to this inconvenience. I have been trying to get this company to validate this debt. I have called this company multiple times, spoke with manager & before she could give me any info, she released the line in my face. I did receive all communication from this company & yes this company has marked this account as disputed on my credit report. however I asked to company to validate this debt bearing some time of contract bearing my signature but this company is only " verifying '' this debt by sending me a statement. Per the FCRA I am entitled to have the debt validated per my request. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. I have also attached all the communication from CMRE as well as the letters I sent to CMRE as proof that they are ignoring my request by only sending me a statement & no contract bearing my signature I have been requesting documentation from the company since XXXX of 2017.  I have no choice but to make a few more complaints with the Attorney General as well as file a claim in small claims court that is near my local venue. I have all documents between me & CMRE and will use this as evidence that my request is not being fulfilled but yet still reporting inaccurately on my credit report. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. I sent a complaint through the BBB and this company CLOSED the complaint without giving any information of if they will be sending " validation '' for the debt & not a itemized statement.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Innovis for reporting inaccurate information on my credit report. I demand that Innovis immediately cease and desist from reporting any information about me. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623 ( 15 U.S. Code 1681i and 1681s-2 ), credit reporting agencies and information furnishers are required to ensure the accuracy and integrity of the data they report. Innovis has failed to comply with these obligations, which has caused undue harm to my credit standing. I request that the CFPB take immediate action to enforce my rights under federal law and require Innovis to cease all reporting of my information.
Product: Credit card or prepaid card

on XX/XX/XXXXI purchased an item from Amazon.com for {$79.00} with differed interest for payment within six months.
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on XX/XX/XXXX I purchased an item from Amazon.com for {$79.00} with deferred interest with payment within six months.
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on XX/XX/XXXX, I purchased an item from Amazon.com for {$420.00} with deferred interest with payment within six months.
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On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was not charged any interest charges, even though I had the two different charges with deffered interest for payment within six months. I paid them {$7.00} on XX/XX/XXXX. My previous balance was {$7.00}, my payment was {$7.00} and purchases/debits was {$230.00}.
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On my statement from Synchrony Bank/Amazon, which has the closing date XX/XX/XXXX, Synchrony Bank/Amazon charged me {$1.00} in " interest charges, '' even though I made a payment of {$77.00} on JXX/XX/XXXX. My previous balance was {$230.00} ; purchases/debits were {$600.00} and my new balance became {$760.00}.
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On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was charged {$1.00} in " interest charges, '' even though I paid {$64.00} on XX/XX/XXXX My previous balance was {$610.00} ; purchases/debits were {$21.00} and my new balance became {$570.00}.
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This is not the first time I have purchased an item with differed interest from Amazon.com and have been charged interest fees. In XX/XX/XXXX, I had a refund for the ( less than {$2.00} ) interest fees from that purchase. I can produce paperwork in the future.
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I am so tired of calling them to refund XXXX dollar here and there. It is so ridiculous and when I call customer service at XXXX, they tell me I can allocate my payment through their website. I am not a person that will ever trust Amazon.com to house my payment information. They have been hacked before and probably will be again. I want to pay them from my secure credit union 's online payment center and NOT call them every time I receive a statement! My other accounts, like XXXX XXXX and Lowe 's do not have problems doing this allocation ( although XXXX XXXX used to years ago ). Please HELP all the customers of Amazon.com with Synchrony Bank accounts who believe that they can purchase something with deferred interest! Thank you!
Product: Credit reporting or other personal consumer reports

Fraud, i give noone concent to report anything no written consent. regulation of Federal Reserve notes ( currency ) by the Federal Reserve System. While they may not directly relate to your consumer rights, they establish the framework for the country 's monetary system. 12 USC 504a-m : These sections of Title 12 of the United States Code address various aspects of the regulation of banks and banking, including the Federal Deposit Insurance Corporation ( FDIC ) and banking operations. Violations of banking regulations, such as unauthorized disclosures of customer information or unfair lending practices, could potentially implicate these provisions... I am writing to file a formal complaint and to exercise my rights as a federal protected consumer regarding the disclosure of my personal information by certain entities. I hereby request that the following entities cease any and all unauthorized disclosures of my personal information, in accordance with the applicable laws and regulations : XXXX Equifax XXXX XXXX XXXX  XXXX XXXXRegulation B implements the Equal Credit Opportunity Act ( ECOA ) and prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status, age, or receipt of income from public assistance programs. Any discriminatory practices related to your credit accounts could violate this regulation. 12 USC 411 and 12 USC 412 : These statutes pertain to the issuance and regulation of Federal Reserve notes ( currency ) by the Federal Reserve System. While they may not directly relate to your consumer rights, they establish the framework for the country 's monetary system. 12 USC 504a-m : These sections of Title 12 of the United States Code address various aspects of the regulation of banks and banking, including the Federal Deposit Insurance Corporation ( FDIC ) and banking operations. Violations of banking regulations, such as unauthorized disclosures of customer information or unfair lending practices, could potentially implicate these provisions... I am writing to file a formal complaint and to exercise my rights as a federal protected consumer regarding the disclosure of my personal information by certain entities. I hereby request that the following entities cease any and all unauthorized disclosures of my personal information, in accordance with the applicable laws and regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

My score dropped 53 points because I paid down on an account. I thought the idea was to have low debt in order to achieve a higher score. I feel this is wrong.
Product: Mortgage

We were in a chapter XXXX and were at the end of it ready to have it discharged. When Specialized loan Servicing LLC would not sign off for the discharge, they claimed we still owed them over XXXX dollars. We explained to him this. In XX/XX/XXXX we got a letter from our chapter XXXX lawyer about our mortgage is being transferred to Specialized Loan Servicing LLC. So we called to make a payment. They would not talk to us because we did not have a loan number. So this went on for three months but in this three months our trustee was making payments to them. Then My husband called because they would not give me ( XXXX ) any information. Finally in XX/XX/XXXX they took our payment. Then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Them I called to make XX/XX/XXXX payment and they would not take it. This is right after our lawyer went to court and won against them that we were currant on our payments and we did not own any back payments. We had also just received our Chapter XXXX discharge. I fully intend to make my XX/XX/XXXX payment I will mail it.
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies XXXX, Experian, and XXXX. I was going through my credit report today and noticed that your company report me late on XX/XX/XXXX. As you can tell, I have had an exceptional payment history and have not had a single missed payment on any of my XXXX XXXX accounts since this time. Because of my otherwise exceptional payment history over the years, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, I was out of work due to an unforeseen medical issue, and immediately brought my accounts up to date the following month although I was still out of work for most of the time. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove that late payment from my credit report. I hope you'll approve my request so I can get closer to my financial goal this year. My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

Several months ago I purchased XXXX pairs of shoes, online, from XXXX XXXX. When the shoes were delivered they were the wrong size. XXXX XXXX accepted the return and issued me XXXX refunds in the amounts of {$85.00} for the XXXX pairs of shoes back to my Paypal credit account. On XX/XX/XXXX XXXX reversed the credits and this resulted in a deficit to my account in the amount of {$160.00}. Why XXXX reversed these XXXX refunds I don't know. Tying to contact XXXX has been impossible. I need my credit of {$160.00}.
Product: Consumer Loan

I continuously speak to XXXX and still no response from Executive Offices. Another request with no response. Please advise. I am a very frustrated consumer. I paid of a Ally Financial Auto early due to the mileage. Over {$5000.00}. It was turned in to XXXX XXXX in XXXX, XXXX There is a {$150.00} charge Ally claiming the Lessee, ( me ) cracked the drivers seat plastic part. I did not crack the seat. I am a very small woman and wrote a letter to your Executive Offices as instructed by XXXX. Ally Executive Offices signed for the certified letter XXXX/XXXX/XXXX. To date no correspondence pertaining XXXX to my letter. 

Your representatives keep calling on a daily basis claiming never to receive any information from the Executive Offices and demand payment. 

Please assist it getting a frustrated consumer that did not incur this dollar amount closed on this Lease Account. 

The XXXX of being told this small dollar amount will go to collections and the numerous amount of calls each day needs to end. 

We are good consumers working with you and want to have the account closed. 

Please advise. This is my second email request. 

Regards, XXXX XXXX XXXX On XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX. XXXX XXXXXXXXXXXX XXXX wrote : Begin forwarded message : From : " XXXX XXXX. XXXX ; XXXXXXXXXXXX XXXX Date : XXXX XXXX, XXXX at XXXX XXXX EST To : XXXXXXXXXXXX Subject : Complaint To whom it may concern, I am a frustrated consumer and getting no help with a {$160.00} charge. 

I was told to write to executive offices and Ally has signed for it on XXXX/XXXX/XXXX and I keep getting calls and calls. 

What is next to dispute a small dollar amount. Calls start very early and go late at night. 

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

Nelnet has placed 2 disputes on my account and has wrecked my credit score to poor claiming i am delinquent over {$7000.00} on my account. I am completely up to date with my payments and have {$98.00} payment due in XXXX. This is totally unjustifiable XXXX on my credit history and as a XXXX XXXX  XXXX woman this is a horrible disruption in my life as I have new large bills to pay and absolutely do not welcome this extraordinary stress.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXXXXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX  XXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXXk - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

on XX/XX/year> I was being threatened by a scam caller and purchased gift cards out of duress. I was panicking and scared of being thrown in XXXX  when I purchased XXXX gift cards for $ XXXX ( nearly {$1000.00} ). At the time I thought it was the actual police and XXXX government departments because the numbers looked exactly like the official phone numbers. I later found out scammers have the ability to disguise the numbers and contacted XXXX but they could do nothing. I contacted chase and they refused to help me. For some reason they don't consider deception a form of fraud I am considering dropping Chase at this point with how badly I was burned by their lack of help when I was victimized
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a general complaint with how my Experian FICO score is impacted by paying off the monthly balance on one of my cards. I currently hold several credit cards with XXXX balances and use one regularly. What I have noticed is that if I leave a small balance on the card I use regularly, my Experian FICO score isn't negatively impacted. If I pay off the card in any given month and my statement shows a XXXX balance, then my Experian FICO score drops substantially. 

For instance, this month ( XXXX ) I had a small overpayment of {$7.00} on my XXXX XXXX  XXXX  beginning with XXXX on Experian 's website, so my XXXX statement balance for that card on XX/XX/XXXX was - {$7.00}. That is the only balance I had on ANY of my credit cards. On XX/XX/XXXX, my Experian FICO  score PLUMMETED XXXX points because of the negative balance on this card 's statement. This is egregious. Paying off the balance on a credit card ( not closing out the account ), should not cause this type of drastic reduction in a FICO score. It's like you're being punished for being responsible. 

I realize this is most likely a problem with all credit reporting agencies, but I have noticed it happening like clockwork with Experian. I would like to know if anything is in process to " fix '' this problem. When the FICO score is so prominently used when applying for new credit or loans, I would hope something is being done to remedy this issue.