23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX, posted a debt of {$17000.00} on my Experian credit report on behalf of their client XXXX XXXX XXXX based on a civil judgment dated XX/XX/XXXX from the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Case number XXXX. 

I informed XXXXXXXX XXXX XXXXXXXX that there was a class action lawsuit against XXXX XXXX XXXX and my case was part of the suit. The case is no longer listed in the court system because it was removed after I disputed it. 

XXXXXXXX XXXX XXXXXXXX is continuing to report false information and their Experian rep hung up on me when presented with the information. 

The case no longer exists and XXXX XXXX XXXX responded to my previous complaint acknowledging that my case was part of the suit. 

I have requested they remove the information from my report and they refused and told me they wholeheartedly believed I was mistaken and they bet I never even received a notice from the Class action Suit. 

I am a XXXX XXXX  trying to qualify for a VA home loan. 

The account was removed from report in XXXX and they reopened it based on a dismissed lawsuit. They need to be fined, and the false information needs to be immediately removed. They are knowingly refusing to correct the information.
Product: Mortgage

on XX/XX/2022, i sold my home, the closing agent wired the funds to payoff my mortgage of {$140000.00} according to the payoff that was given. the payoff was good through XX/XX/2022. On XX/XX/XXXX, after going on the portal. i notice, the loan was not paid off. I immediately called fay servicing, everyday for XXXX  days customer service stated the wire was sent back. I finally got a hold of a XXXX on XX/XX/XXXX, XXXX i explained to the XXXX the circumstances. i emailed the documentation of the final closing settlement statement as well as the wire information, stating the wire was never sent back to the closing agent. the XXXX never returned my call or emailed. i called again on XX/XX/XXXX, XX/XX/XXXX ... the customer rep stated the Fay servicing has now paid my past due property taxes, which were in turn paid at closing. on XX/XX/XXXX I spoke with another XXXX, which states he needs to find out what happened.but at the same time... the wire of {$140000.00} has now been sent back to the closing agent. I do not know what to door where to turn. please help me get this resolved... i have also filed a complaint with the XXXX ... .thanks
Product: Credit reporting or other personal consumer reports

I had a car loan with Santander from approximately XXXX. During this time, the first late payment which was reported to the credit bureaus was on or about XXXX 2016. At this point because the date of the first delinquency is more than XXXX XXXX XXXX, the account should be removed from all three credit bureaus. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for XXXX XXXX XXXX XXXX 
XXXX
Product: Credit card or prepaid card

On or about XX/XX/2019, I applied for and received an American express preferred credit card. The promotional benefits advertised and was confirmed when I contacted Amex. Amex was supposed to have been given to me once I met the criteria, which are as follows : 1. No interest for the first 12 months of all purchases 2. {$250.00} cash back after spending {$1000.00} or more within the first three months, which I did. However, I have not received these two promised introductory offers. I inquired on XX/XX/2019. I was told by XXXX  in the Florida conflict resolution office, that American Express corporate office made a decision not to give me the introductory promotional package. No Explanation was given other than after looking at my credit history, The corporate office decided not to give me the promotion. I asked that the matter be further look into as I was not informed either by email or telephone call or a letter sent to my home. On XX/XX/2019, I received an email reading that somebody from corporate office would get back to me within 5 to 10 business days. Those 10 business days were up XX/XX/2019. Today is XX/XX/2019 and I still have not heard from them. 
Oddly, Amex is honoring 6 % cashback on groceries and streaming. Had I been informed when I applied for this card, I would not have opened the card and I certainly would not opt to Open a card that has a XXXX $ annual fee. I am a low income senior and feel I was taken advantage of. This feels like bate and switch and false and misleading advertisement. If my credit history was good enough to grant the card then I should be able to have the benefits offered through that card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccuracies on my credit report. As of today, I have not received a response from TransUnion. I am providing the details of the inaccurate information and the necessary corrections as follows : The following account was never late : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$320.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$150.00} Please remove it from my credit report.
Product: Checking or savings account

Look into BBVA, they merged with simple and moved all accounts to BBVA accounts, no one has been ablke to get access to our bank acocunts in over 4 DAYS!!! This is a class action lawsuit waitin g to happen. They told everyone we'd still have access to our accounts, please please take this seriously
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

I booked the XXXX XXXX & XXXX by XXXX, XXXX XXXX XXXX room through Ultimate rewards portal on XXXX XXXX, 2019 ( Itinerary XXXX ). There was no explanation that the hotel was under construction on the Chase website. However, at XXXX there was construction and banging outside the our window. After a long flight the previous night the construction was quite disruptive. After asking for a refund from the front desk they told use that since the room was booked/paid for through XXXX only Chase could refund it. So we left the hotel and called Chase to ask for compensation. The chase rep refused saying that the hotel was the final arbitrator of whether to give the refund and it was the hotel 's fault for not updating their listing through the app. I find this unacceptable. 

Ultimately, Chase falsely advertised the room. They have the power to compensate me accordingly for this bate and switch/horrible experience. I have attached a photo of the view from our room.
Product: Debt collection

I went to target to purchase contacts. I was told I could use Affirm to pay if I wanted. I did the affirm one time credit card, but when we tried to run it wouldnt go through. When I called Affirm they told me I would need to show proof the transaction was cancelled, but I tried explaining to several representatives the transaction never occurred so there was no way to show it was cancelled because no transaction ever took place. They now are trying to send me to collections for the XXXX, but I dont owe them money because it was never utilized and I dont feel this should negatively affect my credit especially because Im in the middle of a home purchase.
Product: Debt collection

LVNV Funding, LLC RE : Cease and Desist Demand Concerning Alleged Debt CollectionAccount # : XXXX XXXX To Whom It May Concern : This letter serves as a formal demand for you to cease and desist all communication and collection activity regarding the alleged debt you claim I owe. This demand is issued pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

FDCPA Violation and Legal Precedent Cease all forms of communication with me immediately. 

Cease all collection activities immediately. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that credit reporting constitutes a form of communication under the FDCPA. As such, reporting a debt to credit bureaus after a consumer has requested cessation of communication may violate 1692c ( c ) and other provisions of the FDCPA. Any such actions by your company will be treated as non-compliance with federal law.

Accuracy of Alleged Debt If you intend to claim this debt is valid, provide the following : Complete account history, including all charges and payments.

Evidence that your company has the legal right to collect this debt.

A copy of the original signed agreement creating this debt. 

Potential Legal Action for Failure to Honor Cease and Desist Failure to comply with this demand will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue a lawsuit for violations of the FDCPA, including but not limited to any damages caused by your non-compliance. 

Sincerely, XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed a fraud claim through Wells Fargo Bank in person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the Wells Fargo Bank. First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} XXXX transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

Before I knew it {$3500.00} was taken from my bank account and sent to an unknown XXXX Bank account. Wells Fargo Bank advised that the investigation could take up to XXXX business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX with XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been XXXX business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for XXXX to get back to them. {$3500.00} ( in two transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the XXXX money and a case number which has been dropped by Wells Fargo Bank. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from Wells Fargo ( XXXX Ext XXXX, Claim # XXXX ) officially advising that Wells Fargo Bank is unable to help me recover my {$3500.00}. 
I am XXXX and having XXXX XXXX due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.
Product: Mortgage

To Whom it may concern. 
I'm writing this because I was in a Forbearance and came off and resumed payments of {$1400.00} beginning XX/XX/2022. A modification was set up to off set back payments. I've been in contact with my mortgage company ( Freedom Mortgage ). I've been informed by my mortgage company that I'm delinquent. I'm so confused, because I've been making payments of {$1400.00} and my payments are {$1400.00} since XX/XX/2022. I just learned that I owe a balance of {$360.00} from the modification. My mortgage company never informed me of any balance I owed. I just kept receiving delinquent notices. I spoke with a representative on Saturday, XX/XX/2022. I asked her to informed me of each payment and how it was applied. We stopped at XX/XX/2022. This is when my account stsrted showing delinquent. I can not understand why this {$360.00} was not part of the modification. I informed my mortgage company each time they call I do not have any additional funds. I have received threatened calls and each representative seems to be confused. I answer every call, because I did nothing wrong, but pay more then my mortgage on time. My quality of life has been affected. I just put a roof on my home and I have flood and wind damage in my basement. Sharing this information makes me feel violated for simply doing the right thing. 

Thank you so much XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Fraudulent activity was made through my account, and my accounts were depleted. The bank was notified as soon as this occurred but took no action to protect my account. A police report was filed. The bank refused to discuss the fraud and told me to contact the bank that caused fraudulent activity on my account. I contacted the bank and a representative reported that the bank that had my account had to initiate the contact. When I contacted my bank a representative told me to contact the company who issued a fraudulent charge. In essence, I have been given a runaround for a year. Now the bank has contacted me, instead of the bank that depleted my account, with a collection notice. I believe both banks are at fault and should be charged with fraud related to elderly persons. Today, I read on a website that this occurs in other states.What can really be done to have this fixed? I am receiving collection bills for fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX sent me a letter asking for payment for debt. 
XXXX i replied with certified letter stating it is not my debt i need validation XXXX resent the same information and did not provide documents that i asked for showing proof that this debt belongs to me. 
XXXX i resent them a letter asking why are they not providing this information i asked for by law. 
there tactic is to keep sending same letter and ignoring a resolution. 

This company fails and they have over 2000 complaints with the XXXX  for the same practices and they continue to break the law codes .this LVNV Funding Resurgent Capital Services.has the worst practices and complaints and they continue to violate the law.
Product: Debt collection

Williams and Fudge employee XXXX XXXX  has called multiple third parties asking if they know me but stated that he does not know me personally. He has called an aunt and a co worker with whom I do not speak to on a regular basis. The debt he is asking about is a false debt, not owed and is an incorrect amount. I am already paying that student loan debt through XXXX. XXXX needs to stop all contact to any third party that he feels is connected to me.
Product: Debt collection

Radius Global solutions LLC put a collection on my XXXX and XXXX credit reports of {$2900.00}. The debt does not belong to me. I never had an account with this company or XXXX. I want this removed from my credit report. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This XXXX and XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory : remark be removed or corrected immediately as it's affecting my chances of getting a house right now.
Product: Consumer Loan

I was contacted by phone after applying on line, and the caller agreed to loan me {$1000.00} if I would wire him {$150.00} in lieu of a written contract to ensure him I could repay the loan. In desperation I did so, and he assured me that money plus the loan would be in my account within XXXX hours. After XXXX hours, I called him back and he said due to my poor credit rating, I would need to wire {$200.00} more for insurance. I did not. I want to provide phone numbers, places, and transactions to help stop these people from stealing. They were all XXXX, and I worry about terrorism. I 've learned, and realize most people would n't be that dumb, but a lot of people are in a bind like me. They have all of my personal information. 
These are the numbers and places the calls came from : ( 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 's opened a duplicate account in my name, then put the wrong address, I have called them for over two months and they will not take my payment or correct my address on file. And then reported it to XXXX XXXX. Every time I call their number XXXX I get to someone but after 30 or 40 mins they just tell me someone will call me back, and no one calls me. I do not have a card or a number that I can pay the bill to, I called and gave them my Bank info yet they are not sending me any info.
Product: Vehicle loan or lease

There was an issue on my credit report with a fraudulent and unauthorized inquiry that had been on my credit report. The issue began on XXXX XXXX with an unauthorized inquiry for a vehicle loan with Ally Financial. Despite my efforts to resolve the situation directly with the company, as well as the reporting credit bureaus ( XXXX, & XXXX ), including steps taken such as phone calls and informing them of the identity theft report I submitted with the FTC, and letters mailed, I have not been able to reach a satisfactory resolution. 
I am requesting that the Consumer Financial Protection Bureau intervene and assist me in resolving this matter. Specifically, I would like this fraudulent unauthorized inquiry removed from my credit reports immediately. 
Thank you for your time and attention to this matter. I look forward to your assistance in helping to resolve this issue promptly. 
Sincerely, XXXX XXXX.
Product: Vehicle loan or lease

We leased a vehicle out of Mississippi in XXXX of XXXX. Due to COVID, my daughter moved to home to Minnesota and re-registered the vehicle there. As a result of registering in a new state, there was tax to be paid. Honda Lease Financial assessed the fee up front in the amount of {$540.00}, on XX/XX/XXXX. When we inquired, we were advised that we pay them and they pay Minnesota XXXX XXXX department. We made the payment to Honda on XX/XX/XXXX. We later were advised by Minnesota that they never received that payment from XXXX. We have since contacted XXXX XXXX... and they have not corrected the problem. As a result, Minnesota is holding title to the vehicle and will not release it. Every time I call XXXX they claim they can't get ahold of anyone in Minnesota. There are several issues here. XXXX, XXXX collected payment and did not apply them as they were required. XXXX, they havent corrected the problem in 21 months, despite my repeated efforts to get them to do something, nor have they returned us our money, nor do they follow up with us when they say they will handle the situation. Lastly, they are aware we intend to purchase the vehicle, yet we can't do so with the title held up. What happens in XXXX when the lease is XXXX? Will this prevent us from the purchase and our investment is then lost???????? Exceptionally poor business practice and fraudulent use of my payment.
Product: Checking or savings account

Rent payment was supposed to be debited from account and was declined saying insufficient funds. I called Chime and they advised me of the process to unlock my account. I followed the steps including allowing access to my account remotely and them instructing me to transfer the money out and that it would be transferred back in in an hour. I called back in 1 hour exactly when finds not transferred back in. They advised me that I didn't call them and filed a dispute and the next day denied my dispute and said it wasn't their fault. I called the support number on my card and verified my account with all 3 people I spoke with. My rent money {$970.00} is gone and I am now facing eviction and they are not taking responsibility for fraud at this company.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] Experian Subject : Notice of Dispute under 15 USC 1681 ( b ) Dear Sir/Madam, I am writing to dispute a late payment that has been inaccurately reported on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681 ( b ), I request an investigation into the matter. 

Account Information : Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Inaccuracy : [ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ] I believe that the late payment reported is inaccurate, and I request that you promptly investigate and correct this information. The FCRA requires that consumer reporting agencies and furnishers of information provide accurate and complete information, and any failure to do so is a violation of federal law. 

Please provide the results of your investigation and any corrections made to my credit report within the timeframe specified by law. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]