23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Loss occurred on XX/XX/XXXX I notified my insurance company and lien holder. While claim was in process I advised ofXX/XX/XXXX coverage and information needed to complete that claim as well. No information was provided as requested and each phone call I made was met with objection and I was given the run around. Claim was finalized with primary insurance and check was issued to them on XX/XX/XXXX for XXXX. Payment arrangements were made with me for XXXX payment and it was agreed that no credit impact would be made for a late payment. I was able to obtain in other avenues the needed information for XXXX and submitted the claim which in turn paid XXXX. This amount more than satisfied the account. So no payment should be due, but they reversed the original payment made by the primary insurance company this adding a balance back to the account that is both accruing interest per day and making the payment due still. They have had ample time from when the check was mailed on XX/XX/XXXX to the time they say it was received on the XX/XX/XXXX and now its XX/XX/XXXX and they still do not have a solution nor are they open to working with me. The amount of time and additional money is causing me financial hardship and extended the time I have to be without a vehicle which is directly affecting my ability to make money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised from the lost of my wallet. I've also been a victim of the XXXX  breach as well as victimized by the dark web. Therefore, I'm demanding that the following unknown and unauthorized accounts be removed and blocked from my credit file. The accounts are listed below. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  {$450.00} 3 ) XXXXXXXX XXXX XXXX {$790.00} 4 ) XXXX  XXXX XXXX {$240.00} 5 ) XXXX XXXX XXXX {$780.00} 6 ) XXXX XXXXXXXX XXXX 7 ) XXXX XXXX {$120.00} 8 )  XXXX XXXX XXXXs {$780.00} 10 ) XXXX XXXX  XXXX {$780.00} 11 )  XXXX XXXX XXXXXXXX {$790.00} 11 ) XXXXXXXX XXXX XXXXXXXX {$920.00} 12 ) XXXX XXXX {$180.00} 13 ) XXXX XXXX {$180.00} 14 ) XXXX XXXX {$560.00}
Product: Credit reporting or other personal consumer reports

I banked with America First Credit Union for several years. I had an existing loan and card with them, as well as checking and savings. I placed a stop order on any future draw attempts from planet fitness. I had just moved out of state and was unable to drive 400 miles to go to that specific branch to cancel. I made attempts to contact my new local branch, and the old branch, and was told I had to go to the old branch to cancel. Thats why I placed the stop order. They let planet fitness draw at least 2 more times. AFCU showed me that they could not protect my money. I incurred overdraft fees, spent hours on hold with AFCU providing proof that I did my due diligence to try to close the account the right way, thought we had it taken care of the first time, only to have to spend more hours on hold, at which point no one could guarantee me planet fitness wouldnt pull again. I was forced to go a different route, and they wouldnt let me close the account because of the debt. AFCUs negligence caused all sorts of emotional stress, anxiety, and frustration, on top of plummeting my credit, which has blocked me from owning a home, a decent vehicle, or anything else that is above my financial ability to buy outright.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have tried to get the credit bureaus Experian, XXXX, and XXXX to stop violating my rights by reporting INACCURATE information. The credit bureaus keep sending me updated credit reports that shows they didn't do any " real '' investigation nor care that they are hurting hard working consumers who pay their bills on time. 

It is UNFAIR that every 30 days since XXXX, I have to take time to send letters, ID and etc to ask for them to delete XXXX XXXX account # XXXX from my credit report. I have sent bank statements ( PROOF ) that I was never late. 

I understand that the credit bureaus want to make money $ $ $ $ off of me by reporting false credit information about me. So I will contact every agency I know and an FCRA attorney if needed because this is my 3rd attempt to have this account deleted. 

I received my investigation back and updated credit reports. You stated that you completed a fair investigation, and this account is now 100 % accurate. 

I need to know how did you investigate this account? 

I sent you my bank statements to show that I was NEVER LATE, but I didnt see any proof that I was late from XXXX XXXX. In addition, I pulled my most recent report from Experian, XXXX, and XXXX on XX/XX/XXXX, and still see XXXX discrepancies that proves that you didnt do a proper investigation according to the Fair Credit Act 15 U.S. Code 1681a which states how you are supposed to investigate my consumer report. 

Did you ask XXXX XXXX # XXXX to supply their accounting records or you just took their word? 

Did you interview my neighbors? 

Did you interview my friends? 

Finally, how is it possible that everything is 100 % accurate for XXXX XXXX account # XXXX when my credit reports show the following inaccuracies : 1. Date Opened 2. # Of Months ( terms ) 3. Last Reported 4. Date Last Active 5. All credit bureaus are reporting something different for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

You have violated multiple laws : 15 U.S. Code 1681 15 U.S. Code 1681a 15 U.S. Code 1681i 15 U.S.C. Sec. 1681i ( a ) I demand you delete this account from my credit report immediately! 

Account Name : XXXX XXXX Account Number : XXXX This is my 3rd letter requesting this account to be deleted and will hold you responsible for {$1000.00} per violation if this account is NOT deleted immediately! 

Send me an updated credit report showing that XXXX XXXX account XXXX had been permanently deleted.
Product: Mortgage

The NewRez LLC are the worst company that I have to deal with. The only assistance they can provide is a forbearance for 3 months that is due at the end all at once. So if you have 4 months of mortgage payments laying around at the end of the COVID-19 pandemic you will be fine if not good buy to your house. I understand its a business and they will make a lot of money with I'm sure a government bailout and lots of foreclosures from not helping any american home buyers. as soon as this is over i will be looking to refinance and get my mortgage as far away from this company as possible. I have been calling the company since XXXX I have been told that my account has been placed in the forbearance status and the letter will go out with the information. Its been 3 weeks no letter and when I called the lender I receive conflicting information from different representative. This is very frustrating as I'm a healthcare worker and simply do not have time to be on the phone for hours to resolve these types of issues. I have file a complaint on the XXXX website and when you read the reviews I believe that something needs to be done about this company. 
Called XX/XX/XXXX spoke with XXXX CalledXX/XX/XXXX spoke with XXXX CalledXX/XX/XXXXspoke with XXXX Please Help! 
XXXX
Product: Debt collection

On XX/XX/XXXX, I received an email from what appears to be Resurgent Capital Services with the subject " [ My name ], your account has a new home. '' The email describes a debt over {$800.00} that was sold in XXXX of XXXX. The email doesn't include any option to dispute the debt. I've included an attachment of a pdf of the email. 

I have no knowledge of having any unpaid, outstanding debt. I checked my credit report with XXXX on XX/XX/XXXX and verified that I have nothing in collections and no outstanding balances. I have never previously received any communication via phone, email, or letter in the mail regarding this debt in my entire life. This is my first communication from Resurgent Capital although they state the debt was purchased over a year ago. 

The email contained the following message : " Hi! I'm XXXX and I'm here to explain who we are, what we do, and how it all impacts you. Let 's start by discussing some information about your account. 

The account ending in XXXX was sold on XX/XX/XXXX and LVNV Funding LLC is the new owner of your account. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, Resurgent Capital Services. 

We know paying off debt can feel overwhelming, but rest assured we've helped millions of people just like you resolve outstanding debt and we're confident that we can find a solution that works for you, too! 

To get started, simply click on the button below to see all your options. You can also speak with a member of my team if you have any questions. 

Please review your account details below. 
Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$800.00} "
Product: Credit reporting or other personal consumer reports

I have inquiries on my report and collections on my report that I did not authorize and I have tried to clear this up with XXXX and the other bureaus as well. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.
Product: Debt collection

frequent harrassing phone call at all hours XXXX XXXX XXXX XXXX s 5 or 6 times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and  my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Product: Payday loan, title loan, or personal loan

URGENT FEAR MY CAR COULD BE REPOSSESS DUE TO " ADVANCE AMERICA '' NOT POSTING MY PAYMENTS PROPERLY DUE TO INACURRATE ACCOUNTING AND CHARGING EXTREME EXCESSIVE FEES ON A TITLE LOAN AND PAYDAY LOAN. 

I AM FILING a complaint as there are several major problem with a company called " Advance America '' ( Car Title and Payday loan ). Advance America steered me into taking out a higher Title Loan Amount, of {$3000.00} causing the Interest Rate of this title loan to exceed the 30 % cap max on a {$2500.00} title loan ( that is what I requested ) but employees steered me into taking out {$3000.00} Car Title Loan ( they have my Pink Slip as collateral ) and the interest rate I am being charged is XXXX ADVANCE AMERICA NEVER DISCLOSED TO ME THAT THE INTEREST RATE WOULD BE EXTREMELY HIGHER ON A {$3000.00} LOAN AMOUNT THAN ON A {$2500.00}. 
I am having major problems with ADVANCE AMERICA not posting my payment correctly, they have forged signatures on receipts, charging me additional fees, payments missing, have not posted payments correctly. My last 3 payments PAID ON THIS LOAN NOTHING HAS BEEN POSTED TO PRINCIPAL ETC. ( SEE EXPLANATION LETTER ATTACHED FOR COMPLETE DETAILS ADVANVE America also had me take out a PaYDAY LOAN that was not necessary and charged me a INTEREST RATE OF ALMOST 1000 % ( SEE ATTACHED LETTER ). 

PLEASE CONTACT MYSELF XXXX XXXX AT ( XXXX ) PRIOR TO CONTACTING " ADVANCE AMERICA '' AS I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT. THANK YOU
Product: Debt collection

I started receiving phone calls from Portfolio Recovery Associates starting XXXX 2017. They stated that one of my credit card companies - I *think* XXXX XXXX - sold a delinquent balance to them for collection. I believe this is a scam. The one time I spoke with them I asked for a statement or official documentation but to date I have not received anything nor had I received any communication from the financial institution prior to PRA harassing me. During that call the woman I spoke with asked me to make a payment over the phone which I promptly refused to. I stated that I do not owe this money because all credit cards were managed by a debt management program - XXXX - which was completely paid off in XXXX 2017. XXXX XXXX was o

ne of the credit cards included in that program.

Portfolio Recovery Associates has called me numerous times to the point of harassment. The city they call from is XXXX XXXX, TX. I do not answer my phone from any phone number ( s ) from that city. They have never left a voicemail. 

The dollar amount owed that is shown on my credit report is {$240.00}. 

I kindly ask for your help in resolving this. 

Thank you.
Product: Money transfer, virtual currency, or money service

Dear representative of CFPB On XX/XX/scrub>XXXX XXXX XXXX we sent XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The Total amount paid in US $ was XXXX USD, including {$40.00} Western Union Fee.

I checked Exchange rate on Sunday and for XXXX XXXX, it showed the amount {$510.00} on Western Union website. 
If I remember exactly pay rate XXXXXXXX XXXX XXXX XXXX USD On Saturday exchange pay rate was XXXX XXXX USD, lower than Sunday!! 
Thus we were OVERCHARGED in the amount {$570.00}. 
Tracking number was : XXXX. 
I called customer service on Sunday, XX/XX/XXXX, but she was not able to solve this matter. 
Thank you XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

National Credit systems is reporting to my credit report about a debt that I do not owe to them. They have sent me several communications in the past via e-mail, letters, and phone calls trying to collect monies for XXXX accounts Im unaware of. There is a report on my XXXX and XXXX account profile for a balance of {$4300.00} and also on my XXXX account profile for both {$4300.00} and {$2000.00}. 

Previously the charges of {$2000.00} was removed from XXXX but no actions on my other credit reporting. 

I have mailed to NCS a cease and desist letter for the removal of these collections via certified mail and it was received as of XX/XX/year>2024 ; no actions has been taken with NCS and collections still remain on report. I can provide a copy of cease and desist letter if needed. Thank you.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX and XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU ARE REPORTING LATE PAYMENTS ON XXXX ACCOUNTS THAT HAVE IN THE PAYMENT HISTORY. ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) I HAVE NEVER BEEN LATE ON ANY PAYMENT ON ANY ACCOUNT. PLEASE UPDATE THE ACCOUNTS AND DATES FOR EACH ONE TO " CURENT, PAID ON TIME, OR PAID AS AGREED ''
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX reporting my account with a late payment on XX/XX/year> and I have never been late. This account is open and active with a XXXX balance.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus 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 XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; Medical XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

EQUIFAX Is reporting inaccurate information on my credit report. 

FCRA Violation of 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also you are in FCRA violation 1681B Permissible Purpose.

Please provide me an original copy of any documents with my wet signature given you permission to furnish anything on my report.

also please provide me with who you investigated this information with before you furnished this alleged debt on my account. who did you speak with? please give me the names of any neighbor, friend, associate, and addresses and phone numbers. YOU HAVE 5 DAYS TO RESPOND FCRA 15 USC 1681d ( 4 ) ( a ) Disclosure of Investigative Consumer Report states- ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Product: Credit reporting or other personal consumer reports

I have a few issues on my credit report. These inquiries are not mines. please remove them asap.
Product: Mortgage

In XX/XX/2020, I inquired with my current mortgage company, XXXX/Loancare, about refinancing or dropping the PMI ( {$79.00} per month ) on my current mortgage loan with them. 
XXXX  ordered an independent licensed appraiser, XXXX XXXX XXXX, XXXX, to do an appraisal on my property. This was completed on XX/XX/2020. I currently owe approximately {$210000.00} ( XX/XX/2020 Statement ) on the current mortgage and my house appraised for {$300000.00} on XX/XX/2020. 
I love contacted XXXX  and notified them that it would make more sense for me to keep my current mortgage and use the appraisal to drop the PMI off my current loan.

XXXX   will not use the appraisal they ordered to drop the PMI. I'm being told that I have to pay another {$470.00} for a new appraisal because the initial appraisal they ordered only will apply to a refinance loan. Since the appraisal was not ordered by them for the purpose of dropping my PMI, they will not honor the initial independent appraisal THEY ORDERED for the refinance option. 
This makes absolutely no sense to me at all. They are obviously making it difficult for me to drop my PMI! 
I've spent approximately 10 hours of my time with phone calls to both XXXX and Loancare. Both companies use the same Customer Service contact phone number, XXXX XXXX XXXX XXXX. However, they continue to switch my complaint back and forth to their different " branches '' therefore making it impossible to get either a refund on my Appraisal fee XXXX {$470.00} XXXX or for them to use the appraisal they ordered to drop my PMI and save me almost {$80.00} a month! 
I am currently experiencing XXXX complications and taking care of my elderly mother who is my dependant. The saving of {$80.00} a month from my mortgage payment would help me tremendously with paying my utility bills. 
I have never been late or missed a payment with XXXX  or any other creditor I have, ever! My credit score, according to XXXX XXXX is XXXX with both XXXX  and XXXX  XXXX 
Please make XXXX Loancare, or  whatever company they decide to call themselves ( I've even been forwarded with my complaint to " XXXX??? ) Thank you, XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC is not licensed or registered to operate in my state which is a violation to the laws in Wisconsin. I did not sign a contract with this company, and have been trying repeatedly to get them to remove their accounts off my credit report, to no avail. I feel harrassed/
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX ) I amAttaching identity and proof of address. Also, there are inaccuracies reporting to these accounts.