23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted the Winn Law Group to get information on a collections account that is being handled by them. They told me they could not give me any information because I was being represented by an attorney. I told them that was no longer the case, they asked that I send that in writing. I sent that in writing as requested, then I call back and they tell me they still cant give me I formation because the letter doesnt state that Im validating the account ( which they never asked me to do that in the first place ) I call back and ask why I wasnt told that because i could of easily done that the fist time. Once again I sent what they requested, another letter that stated I wasnt being represented by an attorney and that I am validating the account. I call back thinking Im going to get information finally and Im told they still cant give me any information because the letter I sent doesnt state that I am not disputing the account. At this point I am very frustrated because again I wrote what they told me to and at no moment did they say I should write that. The letter I wrote clearly stated my name, social and that I understood the balance in the account and that I am ready to pay it off / negotiate. This company is a joke. Theyre employees are not efficient at all. I have been trying to pay this off for about a month now and I still cant get any information because now they dont pick up my calls.
Product: Credit card or prepaid card

I purchased glasses from XXXX XXXX  on XX/XX/XXXX for {$89.00}. When the glasses were received, they were not made correctly or made to the wrong prescription. I could not see out of them and they were blurry. I contacted the company and provided another copy of prescription and they verified that was what they had. They instructed me to send them the glasses to see if they were made correctly. I sent them and received conformation that they were received. Several weeks later, the company insisted that they were made correctly and would not refund my money. I opened a dispute with American Express. They ruled in my favor three times and then changed their mind three times. The last time, they sent an email stating I would have to pay but when I called, the agent told me the email was incorrect and I did not have to pay. Several weeks later, the charge was again placed on my card. When I called again, this time I was told that because I ordered them, it was not fraud and there was nothing they could do because that was the company 's policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I cancel the {$24.00} paying membership with credit reporting agency Experian they have allowed all type fraudulence activities in my account. They have been stressfully sending me bad information as alerts on a daily basis via my emails and text alerts through their controlled app in my phone. They are purposely reporting negative credit informations to all U.S consumers.

Most recently they have allowed XXXX XXXX XXXX XXXX access to pull my credit, installed a advance loan on my name with out my consent and now allowing XXXX to reporting vehicle repossession on my name with in the same exact account that I was never late paying not even 1 time. 


They have block my phone number to access their customer service support team because they all out of the country. I can not get through their phone lines nor email to dispute anything about my own credit files. 

Experian is also acting like XXXX  affiliated company, running XXXX  style of operations toward American U.S.A consumers. My data files has been breach by Experian themselves no out siders but hacked with in the Experian company. I don't feel Experian is legit enough to have access to my credit files as an American leaving in the U.S. I Placed a lock on my credit file it was removed by experian just to give criminals access to my credit files. 

I am a resident of the State of Massachusetts i'm sure my laws are pretty clear when it comes to issues like Credit bureaus like Experian. As resolutions, I want Experian to go and verify every single negative information they have placed in my credit reports from all and any company they are associated with. informations must be verified before hurting consumers. Mentally, Experian is killing Americans in the U.S.A slowly and they know exactly what they are doing to destroy Americans like me. This is war.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of items below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX Balance Owed : {$3600.00} However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify that isnt reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account number XXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act the creditors above has violated my rights as a consumer. I would like for these accounts to be REMOVED. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-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.

15 U.S.C. 6802 ( a ) 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.

15 U.S.C. 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless that financial institution provides the consumer with three disclosures 15 U.S.C. 1666 ( b ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose V/R XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were fraudulently done and they were not made by me. I need them removed off of my credit ASAP. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

Emailed tricon since XX/XX/XXXXregarding issues with bathtubs, wasps, roaches, black mold, windows cracking, urine smell in garage no one calling regarding environs notices that they kept threatening us with and we were late one month that XXXX XXXX XXXX paid and mailed the check they then tried to evict us XX/XX/XXXX and XX/XX/XXXX that was closed and then on XX/XX/23when I told them we were not resigning lease we got a knock on the door we had to leave or they would evict us I emailed XXXX and XXXX XXXX got on thei social media pages to try and speak to someone after hours I spoke to XXXX XXXX who said she would def this info that never was sent then 6 months later when we left they told us we owed $ XXXX XXXX where did this come from this is fraud and not one person spoke to us regarding any amount owed they are awful company in communication and they never call what kind of landlord is this ad a tenant we have rights to lucky comfortably and knowing our money is going to maintence when they didnt help I told them we are no longer revering and bam we were forced out
Product: Debt collection

On XX/XX/2023, I received a phone call from an unknown number. The caller left the voice mail message below. 

" This message is intended for XXXX XXXX. This is XXXX. I am with XXXX  XXXX for XXXX XXXX XXXX. Calling in regards to a civil complaint that was forwarded to my office for filing against you in XXXX XXXX. The firm that filed against you has informed me that you didn't respond to a 30-day notice mailed to the address on file. If you have any questions regarding this action taken against you, you will need to contact the issuing firm immediately at XXXX. Thank you and you've been notified! '' I received this call two days after I filed a complaint with CFPB against Portfolio Recovery. 

Recently, CFPB released an article in regards to the illegal collection practice, violating a court ordered enforcement for Portfolio Recovery to stop threatening, harassing and conducting illegal collection practices. They have violated the enforcement which forced CFPB to take action. Here is 100 % proof this unethical company believes they are untouchable and does not have to abide by any federal or state law in the manner of which they conduct business. First, they can't validate the debt, Second, they have manipulative, deceptive harassing phone calls made with messages as above. Third, they sue innocent people through deception, unfair and unjust business practices and do not even have the decency to explain themselves. 

I am requesting for CFPB to include this complaint with the action against Porfolio Recovery because this is incredible evidence of so many violations by this business.
Product: Mortgage

1. Intentional con-predatory monthly billings 2. unauthorized modification of loan balances and monthly payments as opposed to agreed amortization payment schedule 3. Unauthorized modification, substitution and addition of items on the agreed mortgage loan documents agreement.

4. False claims of Default payments, unauthorized charges and fees 5. Threats of foreclosure, unauthorized surveillance and intrusion, trespass 6. Failure to apply received monthly payments checks, hoarding of payment checks and conversion 7. continuing endangerment of mine and family 's lives and casuation of emotional distress and et cetera
Product: Debt collection

I sent a dispute letter in XX/XX/XXXX requesting them to send all future communications via mail. I advised them any attempt to call me would be considered harassment. 
They sent me a letter dated XX/XX/XXXX in response to my dispute, and advising me that they completed the investigation. 
I received a call on XX/XX/XXXX @ XXXX XXXX requesting payment on this account. I asked the caller if she received my dispute letter, she said no, which is false. I also advised that I had proof they received the letter and that I had asked that all correspondence be sent via mail. The caller hung up on me. 

The letter I sent also asked for a 30 day period to investigate this information, during which all collection activity must cease and desist. This constitutes harrasment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Incorrect and Outdated Addresses from Credit Report To Whom It May Concern, I am writing to formally request the removal of all outdated and incorrect addresses listed on my credit report, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Upon reviewing my XXXX  credit report, I noticed multiple old addresses that are no longer relevant to my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or outdated information on my credit report, and I am requesting immediate action to remove all previous addresses associated with my file that are no longer valid.

Addresses to Be Removed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Reason for Removal : These addresses are no longer associated with me, and they do not reflect my current residency.

Having outdated addresses on my credit report increases the risk of identity confusion and potential fraud.

The presence of multiple addresses can lead to inaccuracies in my credit history, which I wish to rectify immediately.

Supporting Documents : I have attached copies of the following documents to verify my identity and current address : A copy of my government-issued ID ( showing my current address ) A recent utility bill or lease agreement confirming my residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX A copy of my Social Security card for identification purposes Action Requested : Per the FCRA, I request that you : Remove all outdated and incorrect addresses from my credit file Update my report to reflect only my current address Provide me with a revised and accurate copy of my credit report once these corrections have been made Deadline for Response : The FCRA requires credit bureaus to investigate and resolve disputes within 30 days. Please confirm receipt of this request and provide an update on the status of my dispute as soon as possible.

If you require further information, please contact me at XXXX or via mail at my current address.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these outdated addresses have been successfully removed. 

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

Equifax has violated and continues to violate my federally protected rights under Trafficking Victims Protection Act ( TVPA ), Regulation V, 15 USC 1681e - Accuracy of Reporting and 15 USC 1681a, by continuing to report inaccurate credit balances on my account and leaving out the accurate amount of dollars AND cents owed. I have attempted numerous times to dispute the accuracy of credit balances reported by Equifax and report that certain accounts reported by Equifax were a result of being a XXXX under TVPA and Regulation V, on Equifax 's website so that it would ne entered into the e-Oscar and Metro2 systems. However, their website does not allow for the CENTS to be inputted for accuracy AND when I uploaded my letter from an NGO and a self-attestation of my being a XXXX, Equifax continues to disregard the documentation by citing their internal policy and procedures as to why they refuse to adhere to the federal laws. Attached is a screenshot from Equifax 's website showing that the CENTS amount can not be edited. Attached is also documentation that I have sent to Equifax no less than five ( 5 ) times via their website AND via certified mail, as evidence in compliance with the XXXX XXXX XXXX to which Equifax does not acknowledge to date. The accounts affected are : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4 . XXXX 5. XXXX Equifax has further caused me harm as I have been denied credit due to my inaccurate credit report. Equifax continues to put me at risk of further exploitation, abuse, and defamation by ignoring my evidence and documentation of being a victim of XXXX XXXX. Equifax negligently and recklessly continues to cause harm to my financial reputation and prevents me from attaining an equitable and improved quality of life by reporting inaccurate accounts and account balances which have caused potential creditors to deny extending credit to me. Additionally, Equifax has caused me further harm by continuing to contribute to my FICO credit score being lowered on a monthly basis due to the inaccurate credit balances on my credit report.
Product: Checking or savings account

I was lock down overseas due to Convid-19. my StateFarm account was charge with unauthorized amount {$50.00} by merchant company called XXXX a merchant account that is closed. The {$50.00} debit from close XXXX return to State Farm account and State Farm close my account checking account saying - {$25.00} owned and reported the account to XXXX. 

New ( XX/XX/2020 Tried to dispute XXXX charges but StateFarm agent XX/XX/2020 couldnt see any transactions in the closed account tried to get a specialists tried but couldnt get hold of one I wish to have XXXX account to be reopened and XXXX reporting information removed entirely from XXXX  database
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the XXXX period allowed by law. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX my American Express card # XXXX was hacked and three amounts were charged to XXXXXXXX XXXX in the amounts of {$660.00}, {$470.00}, and {$440.00}. Since those amounts were immediately added to my card balance, Amex acknowledged the hack and refunded those three amounts to my account. HOWEVER, two days later Amex told XXXX that since the charges were fraudulent, they would withdraw their payment to XXXX. That leaves me with nearly {$1500.00}. in charges with XXXX which they have told me to pay if I want to continue using my account. Amex says they've refunded the amounts to my account. I say that since they did not ultimately use my card to pay the false charges, they have paid nothing but simply moved money in and out of my account while leaving the false charges unpaid. If I want to reinstate my XXXX account, I must now pay the about {$1500.00} in charges that, Amex is responsible for since they were made on their hacked card. I think Amex owes me the total of those three amounts, i.e., {$1500.00}.
Product: Debt collection

Even after paying monthly payments on time, the company put a late charge of almost same amount as the initial payment. Initially when i was setting up auto payment the company representative told me the amount i owe every month which would satisfy the statement balance and minimum payment and would cover the entire cost of the loan for 24 months. But still i was getting charged after 24 months and when i enquired they told that i still owe the amount of loan i had taken as they incurred interest on the entire loan amount. This is total fraud on the part of Synchrony financials.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : US DEPT ED XXXX Balance : {$2100.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX  XXXX Balance : {$6600.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} US DEPT ED XXXX XXXX : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$2200.00} XX/XX/XXXX XXXX XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$4600.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

My money was taken out my cash app accounts without any explanation or refund. All refunds reported
Product: Debt collection

I reached out to Berlin-Wheeler many times about a XXXX account I had with them and paid it off on XX/XX/2019 and they refuse to remove it from my credit.
Product: Vehicle loan or lease

I used to have an account with Nissan Account # XXXX I see this account reporting as a paid chargeoff. I don't believe this to be accurate. This account was paid on time for the duration of the lease.