23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently found out that Portfolio Recovery Associates filed a lawsuit against me in Virginia where I do not live on behalf of XXXXXXXX XXXX I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.
Product: Checking or savings account

I opened an Associated Bank checking account on XXXX XX/XX/XXXX. I made an initial deposit of {$300.00} through a credit card funding and then transferred {$2000.00} to this account from my XXXX XXXX  checking account using ACH. A few days after this my Associated Bank account was locked and my online access blocked. I talked to a representative who said I will receive a call/communication regarding the block from a bank representative. I never received a call or any explanation and then received a letter in mail on XX/XX/XXXX saying that my account has been canceled due to fraudulent activity. I have not yet received my {$2300.00} in deposits that was made in XX/XX/XXXX. I would like to get my funds back immediately with the owed interest. For anyone else who is reading this review, run far far away from doing any business with this bank. They don't deserve it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy. 
and confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A 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 an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

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

i have a number of inquries on my credit report that i did not authorize at all, i have not been in need of a car, nor credit card nor anything else for that matter im not sure how these things keep poppong up but it is really bad, i have never had XXXX and it shows on my credit report i really need help
Product: Debt collection

I called Mercedes Benz Financial on Monday XXXX XXXX, 2016 and set up an automatic payment for Friday XXXX, 2016. They called again on Wednesday XXXX XXXX and I explained I already contacted them and set up the automatic payment. The woman said she would note the account. On Thursday I received XXXX phone calls from them, I answered the XXXX call and was never connected to a representative. Their system hung up on me. 

This is clearly harassment as I have the confirmation number for the automatic payment and am only XXXX payment past 30 days.
Product: Student loan

My wife and I recently refinanced her student loans with XXXX, who immediately sold them to this horrible company Firstmark. 

Our first payment of {$370.00} was due on XX/XX/2021. Our bank paid them electronically on XX/XX/2021 in the amount of {$600.00}. First mark is claiming that didnt happen and if it did I have to prove it by sending them an email with pictures of the check front and back. 

There is no check ... it was an electronic funds transfer. My bank helped us get copies of my bank statement, payment history and electronic confirmation number. I emailed it all to them and in response they emailed us back saying they could verify our identities. 

Everytime I call they tell me no payments have been made, tell me to email, put me on hold, and then hang up. I've tried to start an online account but when I do they tell me I already have one ( I don't, I've never done business with them before ) when I request a user name or password reset they tell me I dont have an account set up. 

They're taking our money, claiming they arent and demanding more. Not sure what to do. Why would our government give people like this a license to operate?
Product: Mortgage

Dear CFPB, I am writing to you because im trying to purchase my home, its been such a nightmare dealing with Altisource/XXXX  because they are the listing agent, escrow office and the title company.
After my offer was accepted as being financed, i received a call from my agent telling me that a representative from Altisource/XXXX  ( XXXX XXXX ) called to let her knowthat my offer will be cancel because the purchase was not Cash.
So i called back XXXX and she never answer my calls, i requested for a manager and i spoke to XXXX XXXX who told me that it is not on the best interest of the seller to sell the home to me.
So i was so confused since her response did n't make any sense. i told XXXX XXXX that my offer since day 1 was a financed offer and it was not fair that after i had paid for home inspections and a home appraisals. Altisource/XXXX decided to cancel on me because it was not on the best interest to sell me the house.
Now as of today 3 weeks later i got a call from my loan officer telling me that another mortgage company called him asking to provide a copy of my appraisal that i paid for because the property is being sold to another buyer who is purchasing the house FHA.
I believe this is not right, i feel that Altisource/XXXX is discriminating me since they are trying to cancel my offer to give it another buyer after we had a signed contract showing that my offer was accepted as financed offer.
Please help this is not right for me and my family.
XXXX XXXX
Product: Vehicle loan or lease

My lease was up in XX/XX/XXXX. I extended my lease per attached, received the paperwork dated XX/XX/XXXX for 90 days ( 1 month at a time to be canceled at any time but not to exceed 3 months ) On XX/XX/XXXX I received the loan extension paperwork ( attached ) which was completed and returned with a payment ( attached ) on XX/XX/XXXX I received proof tha tthe vehicle was returned to XXXX XXXX on XX/XX/XXXX and paid off with subsequent lease XX/XX/XXXX ( proof attached ). 
Ally has since reported me 30 days late fro XXXX which is impossible for a few reasons. 1 ) i lawfully extended my lease and remitted payment for XX/XX/XXXX. 2 ) I returned the car prior to retaining the new lease for 30 days per attached. 3 ) I have attached the proof that Ally was paid in full XX/XX/XXXX for the car returned on XX/XX/XXXX ( still under 30 days, which I paid for anyways ). Regardless of any claim, as evidenced, none of the above happened in over a 30 day span which is proved with the attached documents.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 a letter was sent to transunion disputing some incorrect personal that is currently reporting on my report. I have yet to receive any correspondence letting me know that my request was even processed.
Product: Credit card or prepaid card

My PNC credit card bill/statement has not been arriving in the mail for at least 4 months now. I called in XXXX of XXXX and in XXXX too. I was told they had some sort of hold on it. I received a letter from them in mid XXXX and thought the problem was resolved but I never received my billing statement for XXXX and almost missed the payment. I called them again on XX/XX/2022 and was told the USPS was returning my bill to them. So the story has changed since I last spoke with them. I called the USPS and was asked if I was receiving all my other mail. I told them I was receiving all my other bills with no issue. The USPS said that PNC must be coding it wrong and that its odd since I verified my address with all 3 calls to PNC. One would assume this is a ploy to either get me to sign up to receive electronic billing, which will never happen, or give me some late fees. PNC has a history of soma shadiness in the past and it looks like they havent changed much. Pretty sad when you cant get mailing a bill correct.
Product: Checking or savings account

I closed my account on XX/XX/2018 with BB & T, because I moved to XXXX where there are no BB & T branches. 

I paid off a {$20.00} XXXX XXXX XXXX XXXX XXXX  I have tried repeatedly to close this account, and I have paperwork that says the account is closed, however when I pull up my credit report it says its open and in good standing. I have a letter from XX/XX/2018 that says it's closed. When I call BB & T now Suntrust, nothing changes, they say they will close it, but it's still open.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXXXXXX XXXX XXXXXXXX, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency XXXX XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from XXXX credit bureaus ( XXXX XXXX TransUnion ) that your agency XXXX XXXX XXXX XXXX ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from XXXX, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name :, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX GA XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to SYNCB/HOME. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card or prepaid card

There was a count that was open with Capital One and the year of XXXX or XXXX at the time I was XXXX or XXXX years old I tried to dispute the account many times but count to one refused to take it off my credit maybe a XXXX ago or two XXXX ago I called Capital One and discuss with them that this was not my account and I 'm under age of the time the account was opened and I do n't know who opened the account the later who I 've spoken to was very very rude and she and she was pushy about the account she went ahead and told me that normally people who open account to other people 's names do not typically pay on these accounts which they made a payment or {$25.00} XXXX time so I want on to express to her just because someone made account when just because someone make a payment or account or {$25.00} you 're telling me my identity was not stolen she went on to tell me several purchases that were made on the account which I never made the told me that was sending letter in the mail to my house in an envelope from the credit room I never said the envelope in the mail from anyone I 'm sure this because I checked my mail daily looking for this note I think it is very unfair that someone opened a credit card in my name in at the age of XXXX XXXX XXXX I ca n't even get credit cards because someone decided to make a credit card in my name and that the credit bureau Capital One have in place we 're not protect people and help them thank you
Product: Debt collection

On XX/XX/XXXX a certified package with green return receipt to sender.A validation of Debt, for account # XXXX and a notice of dispute along with a cease and Desist accompanied with a nortized affidavit of truth was sent to the debt collector CREDIT CONTROL CORP. To no avail my affidavit was not rebutted, my cease and Desist was not granted, and no validation of Debt was given and a remedy for cure was not attempted .So on XX/XX/XXXX another certified package was sent with previous documents along with EXHIBITS A thru G and Invoice # XXXX once again giving CREDIT CONTROL CORP. the opportunity to cure.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SOFI BANK NATIONAL XXXX XXXX
Product: Debt collection

Great day i am unaware of this debit, It doesn't belong to me. 
I never received any knowledge or info on this collection. If you believe i have received it please send certified receipt. Thanks
Product: Mortgage

In XXXX during the outbreak of Covid my work had slowed down due to the high lumber prices so we called our mortgage company and asked if they could defer a few payments, they would not help at all, but we continued to struggle and made the payments on time, then on XX/XX/XXXX I came down with Covid and could not work for almost 30 days. Due to that I was 31 days late on my payment and they reported it to the credit bureau and my credit dropped XXXX points. So we called them again to explain the situation and they refused to help in any way, I had never been late before with them or any other loans. I have worked hard to keep my credit rating good and by this one thing thing they have messed my credit up and made it harder to get the things we need
Product: Mortgage

My husband and I started working with XXXX XXXX back in approximately mid XX/XX/XXXX to assist with a home refinance. After speaking with XXXX, he had convinced my husband and I that he could help. I felt very confident and wanted to work with him. XXXX did explain that we could possible pull some equity out our home to pay off some debts which my husband and I really needed. XXXX went on to explain the need to pull both our credits. I did inform him initially that I have a foreclosure from XXXX and he assured me that was fine and I agreed to allow my credit reports to be pulled. 

After pulling both my husbands and I credit files, we received a call from XXXX explaining that he needs to refer US to your credit department due to scores less than XXXX. He explained that Rocket would require each of US to have a XXXX score or better. My husband and I agreed to work with your credit department. 

My husband and I began working with XXXX XXXX. We received an email from XXXX explains we would need to pay off one XXXX XXXX  XXXX credit card totally {$4100.00}. We agreed and paid. Weeks later, I was told that XXXX XXXX is at XXXX but I needed XXXX more point. Well I was instructed to pay down a balance on yet another XXXX XXXX XXXXXXXX credit card to {$3500.00} which was a total of {$560.00} in which we paid. 

My husband and I received a call from XXXX explains that our scores are exactly where they were needed and that XXXX would be in contact. 

We received a call from XXXX explaining that ours scores are good but the foreclosure on my credit would have to be 3 years old. I was infuriated! I told XXXX that Rocket suggested I pay off XXXX near {$5000.00} in debts ( that were already being paid monthly ) only to say he can not help me. 

XXXX then suggested paying off more debt or send XXXX XXXX XXXX and most recent check stubs. I sent those. Then we receive a call from XXXX stating his debt to ratio is too high and Rocket could not help. 

I am XXXX! Not only did Rocket pull my consumer credit reports at least 3 times and caused US almost {$5000.00} more dollars in debt, Rocket deceived US. 

This is considered deceptive practices and I will be filing formal complaints. Rocket had our consumer reports and failed to thoroughly investigate them before XXXX was offering a refinance that he could not provide. 

We were assured that this refinance would happen and that some equity could be obtained to clear other debts. 

This is unfair practice and I will be reporting this. Again, I did inform XXXX during my initial call with him there was a foreclosure from XX/XX/XXXX. He failed to acknowledge my concerns before pulling my consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX acct XXXX XXXX has violated my rights. 
XXXX acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U S C 1681 Section 602 A States that I have a 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: Credit reporting, credit repair services, or other personal consumer reports

Uhm first off, I was wondering who gave you authorization go through my credit?

When I got my car, I never expected them to pull a credit report to 8 or so different banks. The only on that is legit is XXXX XXXX. Are you able to remove all the i necessary hard inquires? I had no idea they would pull hard inquiries XXXX XXXX, I said to fill out a form to see if I am prequalified and wine affect my credit but there Is a hard inquiry for that one Also I have NEVER herd of XXXX XXXX XXXX. Although theee was a credit card company call XXXX XXXX. I never activated it and they charged me for the first year and then I didnt know it automatically activated ( never hear this happen ). But it shows a late fee which I do not have.

Can you help remove the XXXX  in and XXXX XXXX once and for good OFF my record.

Under XXXX there re more accounts I dont know about. 1. XXXX 2 XXXX XXXX 3. And finally the XXXX XXXX  card.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX I disputed with Transunion the following account XXXX XXXXXXXX XXXX XXXX XXXXXXXX are reporting inaccurate transactions. In XXXX the investigation was stated to be completed and Transunion notified me in writingthat the reportingof the disputed account was verified. I have now requested Transunion to provide me the proceduresthat was use to verify the disputed account XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

On  XXXX   XXXX ,    2004  I signed a Multistate Fixed Rate Note Single Family  XXXX   XXXX   XXXX  whereby in paragraph  XXXX  ( Borrowers Right to Prepay ) of the form it provides : When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. '' This renders the note non-negotiable. I have told the Note Holder multiple times that I have made prepayments to the loan and that it is not a negotiable instrument pursuant to sect ion 3-104 ( a ) ( 3 ) of the U.C.C., a   promissory note can not be an instrument if it contains such an undertaking : the rules of negotiability apply only to promise to pay money, not to other, non-monetary undertakings. Sending a notice certainly is an act in addition to the payment of money, and the notes language seems to constitute an undertaking to perform that act. '' My  XXXX  Loan number is :  XXXX  and I have demanded a full Accounting of my original loan number :  XXXX  allegedly now serviced by  Caliber Home L oans with loan number :  XXXX . Therefore, based on the above, this is a notice to the Note Holder of all the above, and ask the Consumer Financial Protection Bureau ( CFPB ) to intervene and audit my loan.