23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reference # Creditor : ASSETCARE LLC Number # XXXX ( Open XXXX ) Amount {$1500.00} NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HIPPA AUTHORIZATION SIGNED BY ME, CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VERIFIED BY ME! HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, 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. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of unauthorized hard inquiries that have been placed on my credit report with your bureau. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, credit bureaus are required to ensure that all information reported is accurate and authorized. The following inquiries, which I did NOT authorize, must be removed within 48 hours : 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  XX/XX/year> ) XXXX ( XX/XX/year> ) I have attached a copy of my FTC Identity Theft Report confirming that these inquiries were not authorized. Since I did not apply for credit with these entities, they do not have permissible purpose to access my credit report under FCRA 1681b. Their presence on my report is an illegal violation of my consumer rights, and I demand their removal immediately.

Failure to comply within 48 hours will leave me no choice but to escalate this matter by : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
XXXX. Pursuing legal action for damages resulting from these unauthorized inquiries, as allowed under FCRA XXXX XXXX. XXXX and XXXX, which provide for statutory damages of up to {$1000.00} per violation, plus legal fees. 

I expect written confirmation from you that these unauthorized inquiries have been permanently deleted from my credit file. Please send confirmation to my mailing address or email. 

This is my final notice, and I will not tolerate delays. I demand compliance immediately.
Product: Mortgage

My name is XXXX XXXX. I have a home loan that originated in in XX/XX/XXXX with XXXX XXXX XXXX, it was quickly sold to Amerihome, ( loan XXXX ) for 12 months, then sold to XXXX XXXX, ( loan XXXX. On XX/XX/XXXX, I received an Escrow Act Disc Statement that our new payment going up $ XXXX! 

After doing my due diligence & speaking to all of the companies, XXXX at Amerihome suggested I escalate my complaint after he was unable to answer my questions because, as he stated, " our loan was purged from Amerihome already. '' His coworker XXXX actually said to me today, " this was something that should have been delt with six-months ago. '' I am not getting anywhere speaking to these institutions, they all blame one another for the mishap. I was told by XXXX XXXX  that the reason for the increase was my insurance went up, ( it went down actually ), I was told our taxes went up, ( they did by {$1.00} ), I was told our house was reassessed, ( it was new construction and has not changed since XXXX per the XXXX XXXX XXXX XXXX Website ). Every time I call, they make up another excuse. NO ONE WILL HELP ME! Here are my questions : 1. Please look at the Annual Escrow Act Disclosure Statement from Amerihome. 
a. Our address is incorrect : the physical addr is : XXXX XXXX XXXX XXXX, XXXX XXXX, they have it as, XXXX XXXX XXXX XXXX. 
b. On this Disclosure, look at the ESC Refund, why was any escrow amount refunded? The amount on this disclosure is incorrect, the amount refunded was actually, {$1500.00} & my husband deposited it into our checking account not knowing what it was. Where is the other part of the supposed refund? Amerihome shows a refund of {$3600.00}. 
2. Look at XXXX XXXX for XXXX and XXXX of XXXX. I am the insurance agent for this property, XXXX XXXX is the company. Why are there two deductions for insurance? ( One for {$4800.00} and {$2900.00} )? 
a. Could this possibly be for 'Force Placed Insurance ' as well as my home insurance policy with XXXX XXXX? 
No one can look back that far with Amerihome because they say the loan is purged, sold and void and I they have no access to help me but that I may FAX in my documents for review. 
XXXX. Why all of the sudden is this an issue and why was it not addressed when the issue came up? Why were we not notified about a discrepancy in the escrow balance? 
4. Where it says ESC Refund {$3600.00}, where did that money go? We did not receive this amount as stated before, we received a check for {$1500.00}. Who has the rest of it? Is this possibly the county or the city taxes? 
5. The escrow detail says we paid in {$4100.00} but they paid out {$7800.00}, and that is a difference of {$3600.00}. 

The additional amount they are asking for due to their mix-up is postpositions!
Product: Mortgage

Hi, I had paid my initial 20 % of my 30 year conventional loan amount and requested for removal of PMI from my account which is allowed by Law and per the Mortgage companies own website FAQ and I paid the fee requested as requested by the Mortgage company but still they have been changing me PMI up from for the next months even before I am due for the next month payment.
Product: Checking or savings account

On XX/XX/2021, a charge in the amount of {$330.00} was made on my Santander Bank debit card for merchandise ordered from an international merchant, XXXX. I've waited three weeks for my order to be delivered to me but for several weeks, there was no update to the shipment tracking status provided by the merchant. I contacted the merchant several times via online chat sessions inquiring about the shipment of my order, but the merchant kept giving me inaccurate/bogus messages in re of my missing purchase order or gave me excuses about the reason why my order has been delayed. I requested a full refund, but apparently, XXXX is refusing to issue me a full refund.

I contacted Santander Bank 's Disputes Department via phone and email about the non-delivery of my purchase order, and I provided the bank with documents to substantiate my case ( which is also attached to this complaint report ). My bank issued a provisional credit to my checking account until Santander completes its investigation into the matter. I called Santander Bank 's Disputes Department every other week to find out the status of their investigation, but I kept getting told that their Investigation Department was either closed or that the Disputes Department couldn't get an answer from their Investigation Department nor from the merchant. 

On XX/XX/2021, I received a letter dated XX/XX/2021 from Santander Bank stating the following : " For the following reasons, our investigation has determined that no error occurred. The documentation provided by the Merchant or reviewed during the investigation verified that you authorized the transaction ( s ). We will debit the provisional credit amount previously applied to your account for this claim, which includes the Disputed Transaction amount ( s ) ... on XX/XX/2021 .... '' My complaint is that I did not receive my purchase order, the merchant kept giving me excuses about the delay of my package 's shipment, the shipment was marked delivered to an unknown address, and the merchant refuses to issue me a full refund. Of course the transaction was authorized -- with the anticipation that I would receive my order. Not only that, but the merchant deducted the funds from my account BEFORE the order was allegedly shipped which was three weeks from the date of the debit transaction. According to the tracking status, my package was marked delivered to an unknown address via an unknown shipping carrier.

The bottom line is that I didn't receive my order from the merchant, the merchant refuses to issue a refund, and Santander Bank has informed me that they will reverse the provisional credit based on their so-called investigation. 

I regret not doing research on XXXX prior to placing an order with them. This unfortunate experience has prompted me to review other customers ' experiences with XXXX ; I've found thousands of negative reviews about this fraudulent business. One trusted website that you will find many complaints about XXXX can be reviewed via the XXXX XXXX XXXX ( XXXX ) website. I've been advised to file a report against XXXX with the Federal Trade Commission as well.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX XXXX, and Equifax is reporting incorrect information on my credit file from XXXX XXXX XXXX. This account is listed as a charge off with XXXX with last payment on XX/XX/XXXX with no late payment and no information on when account was closed. Equifax reports as charged off last payment on XX/XX/XXXX with XXXX late payments for 90 days and no closed date
Product: Mortgage

During the process, i applied for forbearance at the beginning of XXXX XXXX. I received a letter saying I was approved, I still continued making payments in which then I called and said, " I no longer need help from forbearance. '' This is when I was told I was never approved for forbearance because I was " behind '' XXXX  months. I then tried my best to come up with the XXXX  months, I paid the XXXX  months with some money i received, and as i made the payments the tailor told me that the forbearance had been approved. I then asked to receive the check that i already paid but the tailor said she would have to mail the money back to me. As i called the back, I was informed that everything was cancelled because of the money I took back. The money that i took wasn't supposed to have any effect on the process because that was the XXXX  months which was claimed to not be paid, so I had to restart the process of the forbearance again. As i was waiting for the next forbearance release process, I paid the XXXX months over again in the amount of {$3600.00}. I wrote them and thanked them for their help. My case was ongoing for XXXX  months and after the fact, I paid the XXXX missing months meaning my case should've been up to date. Around XXXX this year, I received a letter from HUD claiming that I owed them {$3600.00} for the payment I already paid for the XXXX months I was behind. There are also some payments that I have on record which the bank doesn't have.
Product: Credit reporting or other personal consumer reports

I disputed XXXX collections accounts on my experian account. They admitted that the information was outdated and incorrect but stated that they would still be reporting it and it would remain on my report. These XXXX collections accounts are negatively effecting my credit score.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX I wired {$15000.00} to TD Bank Account # XXXX, Routing # XXXX, to XXXX XXXX with 2 prior XXXX transactions on XX/XX/XXXX of {$1000.00} and {$2000.00} dollars for deposits on the purchase of the XXXX XXXX truck. The {$15000.00} wire transfer was the final purchase price of {$21000.00} for the purchase of a XXXX XXXX XXXX XXXX # XXXX. The company involved in the fraudulent scam is XXXX XXXX out of XXXX XXXX XXXX Utah, XXXX XXXX XXXX XXXX XXXX XXXX. 

Unfortunately the entire sale was a fraud/scam. After reporting it to our XXXX XXXX XXXX  on XX/XX/XXXX a representative of XXXX XXXX XXXX  contacted TD Bank to inform the institution of the scam and request a reverse wire transaction. Our bank representative was told by TD Bank representative that TD Bank could not help reverse the wire transfer and was unable to assist XXXX XXXX resolve the matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance XXXX {$1300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. These were due to identity fraud/theft and legally must be removed per 15USSC 1681B.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/XXXX/USAFunds Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by USA Funds/XXXX/XXXX continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/XXXX/USA Funds multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/XXXX have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for USA Funds account ending XXXX.
Product: Payday loan, title loan, or personal loan

This is a follow up to complaint # XXXX. 

In XX/XX/XXXX, I took out an installment loan with Big Picture Loans for {$1500.00}. The advertised interest rate was 57.35 % which in and of itself is outrageous. 57.35 % of {$1500.00} would be {$860.00}. The cost of the loan would then be {$2300.00} To date, I have made 12 payments for {$290.00} each totaling {$3500.00}, more than double the amount of the loan and {$1100.00} more than the cost of the loan with 57.35 % interest. 

BPL has me making 14 more payments for a total of an additional {$4000.00} making my amount paid in full {$7600.00}. This is 5 times the amount of the initial loan. This actually equates to 407 % interest. 

This is predatory and creating a financial hardship. Due to this exorbitant interest rate, I would like assistance in settling this loan for the amount paid to date ( {$3500.00} ). BPL will have profited nearly 2.5 times the amount of the initial loan and has recouped more than the advertised 57.35 % in interest. 

I have researched this company on the CFPB website and see this is a recurring complaint and the end result is BPL closing the loan as paid with the amount paid to date. This is the resolution I am seeking before my next due date on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a payday loan from XXXX XXXX XXXX in XXXX AL. I settled the payment XX/XX/XXXX for {$250.00} with the third party brought in by XXXX   XXXX XXXX called XXXX XXXX XXXX. XXXX XXXX XXXXXXXX began contacting me through, XXXX XXXX XXXX, again in XX/XX/XXXX. The company constantly called harassing me over the debt that I advised was settled. XX/XX/XXXX. XXXX XXXX  XXXX put this item on my credit report as collection. I would like action against XXXX XXXX XXXX for unfair practices and the item removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted a dispute with Equifax. There are three creditors currently reporting late payments. The investigation has not been completed, as of XX/XX/2019. I spoke to XXXX at XXXX. I explained to XXXX that I am aware of the law and he acknowledged. The creditor has exhausted their time to investigate and respond to the dispute. XXXX refused to update the credit file by removing the incorrect information. XXXX acknowledged we are on a recorded line. XXXX has confirmed creditor states there are no late payments. I'm inputting this complaint with him on the phone. XXXX also stated no one will be able to update file and told me to contact the creditor. I've been on the line with XXXX now XXXX hour XXXX minutes. The time is XXXX central time. 

I am requesting these entries be removed and an updated copy of my credit file be forwarded to me via U S mail.
Product: Credit card or prepaid card

Hello, I'm trying to contact Comenity Bank to make a payment on my XXXX XXXX XXXX. The account was closed, however we were told we could still make electronic payments via the website. When I log onto the website, it states ' that my account is closed. When I called, the offices are temporarily closed due to unforeseen circumstances. I have paperless billing, therefore I don't even know where to mail the payment, and cant reach comenity via phone. I'm worried this is going to ruin my credit.
Product: Vehicle loan or lease

XX/XX/23 - car was repossessed by Westlake Financial Services without notice through XXXX or to me ( customer ). 

XXXX called Westlake Financial Services with an officer and could not be identified through this company. Was told by police that no lien was on vehicle. I purchased car from American Car Center and financing through American financial and they closed without notifying customer and deleted account. 

XXXX contacted " XXXX '' from Westlake and was treated very rude and would not give me any information concerning vehicle but demand a payment of {$1300.00} to have the car released to me but I have to give him my card information over the phone. I could not set up account and pay online. I was given by " XXXX '' from Westlake Services two phone numbers that is fake to the recovery because he told me I had to pick up the vehicle after I paid him.