23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Called & spoke to XXXX in XXXX , CA after receiving another unsolicited letter about a VA home mortgage loan. I asked him to remove us from their call & mail listings ; he promised he would. Called XXXX. 
XXXX & spoke to XXXX in XXXX, CA after receiving yet another unsolicited letter about a VA home mortgage loan. She promised she would remove us immediately. Called XXXX. 
XXXX another unsolicited VA letter as above ; called and spoke to XXXX XXXX, also in XXXX, CA, who also promised to remove us from ALL phone and mail solicitation lists. Called XXXX. 
XXXX another unsolicited VA letter ; didn't call ; sick. 
XXXX another unsolicited VA letter ; called and spoke to XXXX in XXXX, CA. She said she " didn't work for the company ; just handles the phone ... '' She was going to leave a message for Clear Path to remove us from the call & mailing lists. ( This just goes on and on and on ... ... it never STOPS!!!!! ) XXXX-Filed a complaint with the XXXX XXXX XXXX of XXXX, AZ ( # XXXX ) against Clear Path Lending for unsolicited harassing marketing practices ( as demonstrated above ). 
11/26/19-Got an unsolicited letter from XXXX XXXX, a partner of Clear Path Lending ; spoke to XXXX XXXX. He promised to remove us from his email/mail/call lists and gave me your information to file a formal complaint against Clear Path Lending to halt ALL marketing from them IMMEDIATELY FOREVER! 
XXXX-Got another unsolicited letter from Clear Path Lending for a VA loan ... can you believe it???? Yep! Still coming ... .It 's like a curse ... ..I will call them at XXXX and tell them that I have now filed a formal complaint with the CFPB against them for bad marketing practices and they had better stop and desist ever sending us any more mail immediately.
Product: Bank account or service

I opened an discover bank saving account with a promotion code of XXXX. 
The promotion is {$100.00} bonus when I make {$15000.00} deposit by XXXX XXXX, 2015. I did make enough deposit by that deadline. However, months passed, but there is no bonus awarded. I contacted Discover bank several times, they always say they will check it and it would take more than one month to give me feedback.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX  XXXX for multiple violations of federal laws and regulations, as well as against XXXX, Experian, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX  XXXX continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the adverse and update to paid as agreed and cease all further reporting to XXXX, Experian, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, Experian, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan

I am being charged for a payday loan in the amount of {$5000.00} with an interest rate of 115 % from CashCall formerly XXXX XXXX and XXXX XXXX ( both no longer in business ). I have been paying the loan for almost 3 years in the amount of $ XXXX/month, and the balance is only {$5000.00}. As it stands the loan will not be paid in full until XXXX/XXXX/2019. I have tried to settle with CashCall but they will not budge. I find it hard to believe that this high interest rate is even legal in Illinois. Not to mention the fact that they have sold my loan XXXX and now neither company is no longer in business.
Product: Credit card or prepaid card

I had two credit cards with this company and last year they cancelled one and just recently they cancelled the other. I don't use the cards much and pay them off as soon as the bill comes.

There was a huge hit on my credit score when they cancelled the first card and I'm certain I'll take another hit on the second card.

The credit card reasoning for cancelling my card was primarily my lack of use.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I noticed an unauthorized hard inquiry on my credit card from XXXX on XX/XX/XXXX, reported by TransUnion. I attempted to contact the company, but technical issues prevented submission. Please assist in removing this unrecognized inquiry from my credit report under XXXX XXXX and restoring my credit points. Im also concerned as another unauthorized inquiry by XXXX XXXX is under review. Your help in addressing this matter would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

My credit was run without my consent On my Tranunion and XXXX report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX services XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was told that lexington law will help me get stuff off my credit report but they didn't every month they was getting money out of my bank account but the stuff they were supposed to be moving it off was still there
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some inquires I did not make nor did I approve anyone to pull my credit report
Product: Debt collection

RECEIVABLES PERFORMANCE MANAGEMENT , LLC states that Received a valid payment of {$100.00} on XX/XX/XXXX. A second payment made on XX/XX/XXXX of {$100.00} was returned for insufficient funds. 

THAT'S BECAUSE XXXX CHARGED ME 2ND TIME SAME AMMOUNT AFTER CHANGING MY PLAN WITHOUT TELLING ME. REGARDLESS I HAVE PAID REDICULOUS BILL ONCE AND ASKED TO CLOSE MY ACCOUNT! THATS FOR ONE. 

SECOND : " RPM contacted XXXX who advised that the device non-return fee applied for Serial No. : XXXX, however the device with serial number XXXX was returned and charge for it was adjusted on XX/XX/XXXX '' WHAT KIND OF DEVICE IS THIS Serial No. : XXXX??? AND WHEN XXXX SENT IT ME? I HAVE NEVER RECEIVED IT!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint & legal suit against XXXX, XXXX, & Experian These credit bureau agencies have reported inaccurate information ( letter from creditor attached ) XXXX XXXX XXXX XXXX HAS MADE A MISTAKE & ERROR BY REPORTING A LATE PAYMENT TO MY PERSONAL CREDIT REPORT! In which the creditor agreed it was a Error XXXX XXXX XXXX also have fraudulent inquiries that are not mines XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX & Experian did not update to remove the late payment from my credit report as the creditor requested I now have seeked a attorney to suit these credit bureau agencies for falsely reporting late payments
Product: Credit card or prepaid card

On XX/XX/22 I paid my Old Navy CC via XXXX  XXXX XXXX bill pay for the balance due of {$52.00}. Since then every month I have been billed for that balance and late fees. I have disputed on my credit report, I have called Barclays, I have escalated it, sent in proof of payment 3 times to 3 different places as instructed. They still will not credit my account and clear my credit report. Hours each month on the phone, starting over every month. 
Old Navy changed banks and my payment was sent to XXXX, who apparently did not forward to Barclays. Barclays acknowledged that XXXX will not take their carholders calls, and there is no valid number to call them. Barclays stated my payment was returned to me. XXXX  XXXX XXXX has advised bill pay payment can not be returned.
Product: Debt collection

My wallet was stolen which has resorted to my identity being stolen and someone obtaining a mobile phone in my name this is not mine. Its reporting on my credit.
Product: Checking or savings account

Incorrect and excessive NSF fees and re-grouping charges to cause overdraft. 

Accounts between XXXX approximately but dates could be earlier than these.
Product: Debt collection

This is part of the complaint relating to the XXXX XXXX XXXX I just filed a second ago. 

XXXX XXXX Rausch Strum I have asked for help with this account multiple times. 

I AM NOT GOING TO CALL ON THE PHONE BECAUSE IT DIGRESSES INTO A YELLING MATCH. NO MORE PHONE CALLS. YOU ARE NOT PERMITTED CONTACT ME BY PHONE AGAIN. EVER! 

You actually did help for one whole month. Gosh how nice of you. 

You have refused to give me a break and an opportunity to pick up payments, my social security was delayed while changing banks. I told you this in a previous message. Again you chose to ignore me. 

I wonder if you are up on current events. Have you noticed that according to the medical community we are in the midst of a PANDEMIC of COVID-19. 

I'm just curious because you apparently have ignored that fact and the overall public reaction to the Pandemic is quite severe. The result is that my income has dropped drastically. Thus I am having trouble making payments just as I had told you in prior messages. You would find it much easier to communicate with me if you used email. Novel concept but required at this point. 

Im just curious since when I asked for help for a couple of months you acted like I was nuts and your response was to lie to me and then charge me more interest and penalties. As much as you possibly could actually. I assume it is the max you can charge because you have chosen that route ever single time. 

You me a message stating that you had received a cease and desist request via CFBP. 
In spite of that I continues to get calls from blocked numbers. 

I said I would pay you but you seem to think that is not an option, that you want it all now. And a minimum payment of over {$1000.00} is completely insane. 

Your response to a cease and desist request resulted in you turning over the file to Rausch Strum Attorney. So now instead of you harassing me directly I get harassed by him. Countless phone calls from unknown people. 

Do you think that demanding payment in full immediately magically makes my income increase during a pandemic which is the cause of my economic situation in the first place? Im curious because that seems to be your position. You are rude beyond description and obviously not interested in helping anyone but yourselves. 

What you have managed to do is create a large amount of anger. Congratulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$95.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00}. Also, I want to dispute XXXX XXXX XXXX XXXX XXXX account, Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame.
Product: Vehicle loan or lease

On Saturday, XX/XX/2021 I agreed to lease a new Honda XXXX XXXX XXXX Honda of XXXX, FL. The terms were based on my credit score which I believed was between XXXX and XXXX based on 3 sources, namely XXXX XXXX XXXX XXXX  ( a credit card ) and XXXX  XXXX provided by XXXX XXXX a credit card ). 
When it came time to sign the papers, XXXX Honda informed me that my XXXX XXXX was actually XXXX. When I questioned the difference, they explained that they us the auto enhanced model from XXXX not the model used by other lenders such as credit card companies. 
The end result was me having to put {$1000.00} cash into the deal to make it work. 
Does this make sense to you, or are they manipulating the numbers in order to increase profit margin and charge a higher money rate? 
I certainly understand that 3 models could vary slightly for the total score, this margin and the resulting increase in cost seams excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-XXXX  secrets is being unreasonable. I had a major XXXX XXXX   on XX/XX/XXXX. The XXXX was not 100 % successful, it turned up to be a nightmare as I was in and out of hospital for several days after that due to complications. In the process, I was unable to work and suffered emotional stress and developed XXXX XXXX XXXXr and couldnt function mentally. 
My condition was so bad that I could not manage my finances for several days. As a matter of fact, I could not work during that period as I was recovering from XXXX complications. After I recovered, I maintained a perfect record ever since. Also keep in mind, if it were not the XXXX complications, this account would have never fallen behind As a loyal and grateful customer with this client, I sent them a letter explaining myself in detail on what had happened on XX/XX/XXXX with a request for them to remove the late payment history. I attached my letter with medical certificate as proof of my hospitalization but to my surprise, this company still keeps on reporting the late payment history even after it was clearly not my fault that I was late. For yet another time, please delete the late payment history of this account : Account # XXXX ; Date Opened XX/XX/XXXX ; Credit Limit {$5900.00} Attached herewith is the letter I sent to this company on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER EQUIFAX UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ALLEGED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SNED A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA EXQUIFAX HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/XXXX. 
OMB # XXXX Equifax responded and stated that they investigated and XXXX XXXX XXXX  confirmed the DOFD of XX/XX/XXXX is correct. 

Now my XXXX  XXXX account on Equifax has a Date of Last Activity as : XX/XX/XXXX I spoke with a supervisor about this and she confirmed that with Equifax it's a DOLA/DOFD. They are the same thing. 

I told her XXXX  XXXX reported a Date of Last Payment as XXXX XXXX to XXXX  and XXXX. 
She finally admitted that the Date of Last Payment on Equifax is alsoXX/XX/2013 with a DOFD of XX/XX/XXXX. 
I told her federal law states the XXXX is 30 days after last payment, not 60 days. 
I asked why Equifax has XX/XX/XXXX as DOFD and she said, " I can't tell you that. '' I informed her that Equifax was on record with the Consumer Finance Protection Bureau stating the DOFD is XX/XX/XXXX. 
She said there was nothing she could do. 
Someone is trying to keep this account on my credit report longer. This account was illegally re-aged.
Product: Payday loan, title loan, personal loan, or advance loan

This company issued a loan with over 160 % interest, which is a predatory loan. When this was brought to my attention, I attempted to contact the company to correct it and got no response.
Product: Money transfer, virtual currency, or money service

I did a bank account to bank account transaction with moneygram to send money to XXXX for {$2000.00} on XX/XX/2019. Received the confirmation on XX/XX/XXXX that the transfer is sent and the amount will be deposited to the receivers account. On the XX/XX/XXXX got a call from my receiver that its not deposited in the account. I called Moneygram and the customer service agent informed me that they had an IT problem with this transaction and its not been processed and it will be updated in 24-48 hrs and the money will be available. Came to know on XX/XX/XXXX that my receiver haven't received the money yet. I called them again on XX/XX/XXXX and they informed that the IT department is still working on it and asked me to check back in 24-48 hrs. I asked them for a refund and they still told me to check back in 24-48 hrs. Called them on XX/XX/2019.. and they informed me that the refund will take 30 business days to process. 

This has caused me big inconvenience of my time calling them again and again and to my receiver who needed this money urgently. 

I request your prompt action on this matter to get my refund immediately and also compensated for the inconvenience caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is known for predatory lending. It has been 7 years since I've had an account with them ( XX/XX/XXXX ), the account is required by law to be removed. XXXX XXXX XXXX is still marking the " Closed '' auto loan as delinquent and has marked up the interest on the account XXXX % of what the auto loan was originally for to this date ( XX/XX/XXXX ). I have been removed from any liability with this auto loan by a Arizona XXXX XXXX XXXX and will never make a payment on it. Last I checked, it is illegal to keep an item on a credit report forever. As of today it will be going on 7 years with each month a derogatory mark on my credit report. I am ready to go to court and settle this once and for all. 

I have disputed with XXXX XXXX, and all 3 credit bureaus with a response of " Account marked as accurate. '' With whom did they verify with? The creditor who has lost several lawsuits in the 10s of millions for their credit reporting and predatory lending? That's invalid and doesn't hold water. After this complaint, I suggest that this be reported to the Arizona XXXX XXXX XXXX XXXXXXXX to hold XXXX XXXX XXXX criminally liable for " Contempt of Court '', which is failing to adhere to the ruling of a sitting Judge.
Product: Mortgage

I met XXXX XXXX on XX/XX/19 on XXXX XXXX XXXX XXXX - XXXX 's store I was introduced to him by the owner of said store XXXX. ( said store is out of business ) Mr . 
XXXX made me believe he had an organization with a array group of individuals were he was the owner.He told me that in order to start the house hunting process I needed to pay him {$490.00} cash which I did, he also said to me that he will give me at time of closing {$1000.00} back. on XXXX I received a Pre Approval letter via email from him from a bank that he was affiliated with according to him. Pre Approval letter received from AMS MORTGAGE XXXX XXXX whom I have never met nor spoken to. I was super excited and ready to begin my home buying process Mr. XXXX will send houses via text messages and I asked him to set appointments for some of the properties but he never did, I became concern because he started give me excuses and stop answering my calls and he will only reply via text a month went by and nothing was happening, no houses, no appointments, no calls, I realized he was a scam so I decided to request my money back on XXXX and he kept giving me excuses via text that he will give only {$250.00} because he gave the other {$250.00} to XXXX ( who was the one introducing me to him ) so I said yes I just wanted to recuperate my money or at least  some. I feel I'm not the only one he has done this to. Please help - AMS MORTGAGE and XXXX XXXX is associated with an individual scamming people, misleading. XXXX XXXX should have never provided a pre approval letter to Mr. XXXX furthermore ran my credit without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE
Product: Checking or savings account

Wells Fargo fraudulently opened two checking accounts in my name around the end of XXXX. I reported it to their fraud department. I got a letter stating these accounts would be closed by XX/XX/XXXX. I just received two statements for the said accounts dated XXXX XX/XX/XXXX. 

These were reported fraudulent and have been left open.
Product: Debt collection

Medical service provided in 2021, was paid in full. Began getting debt collections calls about for additional amount owed that insurance ( XXXX  ) revered approved coverage for over a year later of being paid in full. XXXX from XXXX XXXX. Credit report now negatively impacted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation