23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, 2016 To Whom It May Concern : I am writing in regard to Barrett Financial L.L.C. After dealing with this company, I feel it is very important that all pertinent agencies are notified about their shady business practices. Every other hard money lender in AZ said what he was doing was 100 % illegal for an owner occupied home. I am hoping my letter writing will get someone to look into this company and their ability to follow and understand the law, before they really hurt someone. With all the information they have on me I am terrified of what they are capable of doing to me. I am hoping to put a fraud alert on with all the credit agencies for everyone involved in the deal. 
I was very unhappy with this company! I worked with XXXX XXXX. This particular man did not show me respect. He told blatant lies. Another party and I were in the process of purchasing a home with XXXX. He took all our personal financial info ( including bank account info and social security numbers ) and sent us a pre-qualification letter. We found a home and put in an offer, following his guidelines. We thought all was good. We were wrong. The man disappeared. The buyers ( me ), the sellers, our agent, their agent, the title company and the inspection company were all on hold. We talked to the receptionist and she did not know what was going and would under no circumstances allow us to speak to another lender. Then all the phone message machines ( voice mails ) were full, XXXX 's and the front main line. This went on for days until we lost the house. I asked XXXX to simply pay us back for the wire transfer costs to the title company of {$35.00}. He refused and still refuses to this day. I am XXXX and he knew it from all the paperwork. He took advantage and lied to a XXXX person. His lack of communication with his clients was below sub-par at best. 
I honestly believe this man thinks he is above the law and better than other people. Pure sociopath in my humble opinion. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, CA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, AZ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX XXXX Account XXXX 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: Debt collection

Subject : Complaint Against Zwicker & Associates, P.C. for FDCPA Violations Dear Consumer Financial Protection Bureau, The Fair Debt Collection Practices Act ( FDCPA ), ( 15 USC 1692 et seq. ), which became effective XX/XX/year>, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The FDCPA also protects reputable debt collectors from unfair competition and encourages state action to protect consumers from abuses in debt collection. 

I am writing to file a formal complaint against Zwicker & Associates, P.C. for violations of the FDCPA. I believe that this agency has engaged in abusive, deceptive, and unfair debt collection practices in my case. 

Specifically, the following violations have occurred : Harassment and Abuse : Zwicker & Associates, P.C. has harassed and abused me in the process of attempting to collect a debt. This is a clear violation of the FDCPA, which is designed to eliminate such practices. 

Failure to Send Initial Communication : Zwicker & Associates, P.C. failed to send me an initial communication before initiating a lawsuit against me in state court. This denied me the opportunity to validate the debt, which is a direct violation of 15 USC 1692g. According to the FDCPA : " 1692g ( d ) Legal pleadings : A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication. '' Lack of Signed Contract or Agreement : I do not have any signed contract or agreement with Zwicker & Associates, P.C. There is no documented proof that I owe any debt to this company.

Failure to Provide Master Account Sales Agreement : Zwicker & Associates, P.C. has not provided any master account sales agreement between themselves and the original creditor, further casting doubt on the legitimacy of their claim. 


The actions of Zwicker & Associates, P.C. are not only in violation of the FDCPA but also cause undue stress and financial hardship. I am seeking your assistance in investigating this matter and taking appropriate action against the agency to prevent further abuse and to protect other consumers from similar experiences.

Please find enclosed copies of any relevant documents that may assist in your investigation. I appreciate your prompt attention to this serious matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open, nor have I had, a XXXX XXXX account. Furthermore, I never received and correspondence or request for payment by mail from XXXX. I received a collection phone call from the company over a year ago where I stated I did not open the account and had alternative service from another provider for many years and I never heard again about this until I saw my credit report. 
I absolutely and categorically deny having anything to do with this account and anything contrary to that is fraud. I will NOT pay an account I did not open, authorize or benefit from.
Product: Mortgage

I received a sale date for our property on XX/XX/25 from PHH Mortgage on XX/XX/25.. I applied for a loan modification on XX/XX/25. I was denied the loan modification on XX/XX/25. I appealed the loan modification denial on XX/XX/25. Tell them that during the loan modification review & time to appeal, PHH Mortgage was supposed to postpone the property sale date set for XX/XX/25. But they haven't postponed the sale date, which is a dual tracking violation under California laws.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Operating a police report I provided a police report
Product: Credit reporting or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX has violated from reporting illegal late payments toIt is the policy of the Congress that each financial institution allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE FROM MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple dispute letters to XXXX XXXX, and Equifax and they have failed to reply within the established timeframe that is allowed. 
I have sent them complaint letters and investigation letters several times and can provide documentation of each letter ( I have made copies of the letters and can provide them if needed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Equifax and XXXX have failed to acknowledge that I dispute the results of their " investigation '' into the late payments being falsely reported on both of my reports. I am attaching the supporting letter that I sent to Equifax via their website, along with a copy of my report from their site showing their failure to report that I dispute the account. This is a clear violation of the FCRA and I therefore demand that the items be corrected on both reports in the next seven days. I am keeping careful records of all of my correspondence and will escalate this as I have already experienced months of damage.
Product: Credit card or prepaid card

I have been a with MERCEDES-BENZ FINANCIAL customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Debt collection

XXXX XXXX with a collection company has made several calls to my cell phone and work phone. He is very rough in how he talks to you. He tells you how to handle your business. He has also called my boss at my job and suggested that he give me some days off so that I can go get my finances in order. He discussed to my boss how much debt was owed. Everyone he has contacted ( even people that have nothing to do with the debt ) he tells them how much debt my husband and I owe and who it is too. He has even talked with other employees and told them we need to pay our bill. He even called our landlord and told him how much we owed. His practices needs to be reprimanded. The number to reach him is XXXX ext XXXX. His first call to me was XXXX XXXX at XXXX then XXXX XXXX at XXXX Then he called my work phone on XXXX XXXX at XXXX then again XXXX XXXX at XXXX and then contacted my boss on XXXX XXXX and told him how much debt I owed. ( See note attached ) He then called back to my cell phone once again on XXXX XXXX at XXXX He has since then called my husband on several occasions and a co-worker.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE HAD MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. 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: Debt collection

I am writing to dispute the inaccurate information on my credit report. I have carefully reviewed my credit report, and I have identified an error in the reporting of late payments on my account. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the late payments reported are inaccurate. The account in question has been settled and closed, and there should be no record of late payments after the settlement date. 
I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

About a month ago I lost my Discover card and unfortunately somebody else found it I managed to charge about {$150.00} before the card was deactivated when I noticed the card was missing the first thing I tried to do was freeze the account but the website wouldn't let me do that for some reason so I called the woman on the phone said no worries she was going to cancel the card and issue a new one and start a fraud investigation I answered a bunch of questions a week or so later I received phone call I didn't get to the phone in time and they left a message so I called back and they asked a bunch of the same questions but I answered them the gentleman I spoke with said that it was a relatively small amount and that it should be pretty straight-forward he didn't see any thing else that the investigator would need I said Thank you and I hung up couple weeks after that the whole thing happened again I ended up receiving a voicemail I called back and I was asked the exact same questions over again I happily answered them but I did explain to the guy that I'd already answered all these questions he apologized and wasn't sure why the investigator once again I was totally looks like everything 's in order and I hung up when it happened the third time to say the least I wasn't as patient I couldn't understand why you repeatedly asked me the exact same questions and I gave you the exact same answers I don't know if you suspected that they were going to change or what was going on at this point I felt like you were kind of giving me the runaround I filed a complaint he eventually responded said that you're working on it I thought to myself well maybe they'll figure this out and we can move on I called one more additional time and I was told that everything look good and they didn't need any further information so I assume that everything has been resolved then today in the mail I get a letter saying that it has been determined that no fraud occurred on your account if I didn't have the card in my possession and it was used for somebody else what do you call that if not fraud? And it goes on to tell me that I'm going to be responsible for the balance I'm pretty sure there are laws in place to protect me from that I don't have to pay because some thief stole my credit card.
Product: Checking or savings account

I have two claims with Chase bank one for {$68.00} and one for {$750.00} I have only received a credit for {$68.00}. I have not received a temporary credit for {$750.00} as it states with their company I called customer service rep many times my issues is still unresolved I sent in evidence to back my claims up
Product: Debt collection

Portfolio recovery is using spoofed phone numbers and constantly calls no messages left i have attached the phone number they are calling from
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and Bull City about an account that was placed for collection on my credit report that is NOT my account. Neither of them would assist me in this matter. They just kept telling me that I needed to contact the other party.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run XXXX times over XXXX consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive XXXX hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than XXXX times the amount - the manager tried to XXXX me into agreeing to this amount and when I did not he without my authorization ran my credit XXXX more times after I stated I needed to purchase a home soon and did not want it ran more than the one time I agreed to. I am now struggling to get my credit up to purchase a home. 

XXXX - XXXX XXXX XXXX XXXX US Bank 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 These multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.
Product: Checking or savings account

I have found several complaints several disputes rebuttal with chime Bank in regards to a dispute totaling an amount of {$290.00} I have provided them all of the documentation they have asked for and they keep denying and their basis is unfounded so I've been asking them to just give me my refund {$290.00} and close my account it is very frustrating and it's the holidays and I just want my money
Product: Credit card

I purchased an online course from XXXX over the phone from the owner on XX/XX/. I was told there was a 60 day money back guarantee. 

I didnt receive any information regarding conditions on the guarantee. 

I requested a refund on XX/XX/XXXX  because i was not satisfied with the course. I requested a refund from the owner over the phone. 
I was told a refund was not possible and would be given a credit in lieu. When attempting to use the credit I was denied and attempted to be upsold on another product. 

At this point i disputed the charge and am insisting in a refund on XX/XX/. 

On XX/XX/XXXX  they requested additional information which I submitted but had issues replying to their email because the attachments were too large. 

On XX/XX/XXXX  The credit card company denied the dispute stating I agreed to the terms and conditions and reported the merchant said I never requested a refund nor went through their proper process. 

On XX/XX/XXXX  I spoke with the credit card company and re-submitted the evidence over chat where the owner confirmed a credit in lieu of a refund and also denying its usage. 

Immediately on XX/XX/XXXX  I recieved an email update stating the dispute was denied because " The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase '' which I did not. 

If i was told there were conditions on the refund I would have never purchased the product. I do not want a credit I want a refund in full as was originally promised me when I decided to try the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report.. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit card or prepaid card

I recently received a Citibank credit card in the mail that I never applied for. Today I received a notification via personal email that I had a current balance on this card of {$7400.00}. I NEVER APPLIED FOR THIS CREDIT CARD, NOR WAS THE CARD I RECEIVED IN THE MAIL EVER ACTIVATED.
Product: Credit card or prepaid card

On XX/XX/2020 my child support card ( njeppicard ) was locked, which I assumed for suspicious activity. I tried calling the # on the back of the card at least 10x a day and never got an answer, I would press 1 for  English 2 for XXXX and tried pressing 0, anything to get an answer and it didn't work. Finally I read somewhere to not press anything and wait for operator to finish speaking and this way I was able to get a hold of someone. However they could not help me and had to transfer me to Fraud Department, which DOES NOT answer the phone. I call at least 4x a day and ask to be helped by anyone and they say only fraud dept. can help me, I've spoken to a " manager '' and still nothing. So here I am unable to get my money for my child. NJ EPPI CARD sucks!
Product: Prepaid card

I was at the ATM BANK OF AMERICA XXXX XXXX  ON XXXX XXXX AND THE ATM DID NOT DISPENSE THE CORRECT AMOUNT OF MONEY THE XXXX I REQUESTED WERENT DISPENSES HOWEVER THEY STILL TOOK THE MONEY OUT OF MY ACCOUNT WITHOUT DISPENSING THE CORRECT AMOUNT OF MONEY I REQUESTED XXXX they gave me XXXX and the second transaction I requested {$40.00} they dispensed XXXX XXXX