23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with XXXX XXXX, who is the Director of NCC Business Services out of XXXX, Arizona. Repeatedly he spoke over me and explained that I owe a debt and its my legal obligation to pay the debt in full. When I asked for a letter showing proof of debt owed, he refused and threatened to disconnect the call. I asked for a settlement due to a hardship and he refused that as well, explaining that I was not in a hardship and accused me of lying. He advised that I should have paid the debt and am violating the law by not paying in full. I was told that they can not settle apartment debts for a lesser amount and this is protected by law. When asked to provide proof of this claim, he refused again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX Toyota Rav4. I had to pay my first lease payment when I leased the vehicle. Toyota Financial is stating they are reporting all payments to all major credit bureaus. When I got my annual  credit report this year, I noticed my first car payment was not reported on my XXXX Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with Toyota Financial Services, who  sent me a history report that shows a first payment was made of {$320.00}. In XX/XX/XXXX I disputed the inaccuracies with XXXX Credit Reporting Agency and with XXXX. I received my XXXX  Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe Toyota Financial more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to Toyota Financial Services on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. XXXX placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.
Product: Credit reporting or other personal consumer reports

Someone has been trying to get accounts in my name without my consent this has been going on for years now. 
Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

American Pacific Mortgage, ( APM ), is making a Demand for {$13000.00} in Insurance Premium. 

APM is stating on XX/XX/XXXX that the Property Owner 's Casualty Insurance underwritten by XXXX XXXX underwriter XXXX XXXX in California is " Canceled. '' APM asserts that it called the Insurer XXXX by telephone and has documentation from said insurer that the casualty insurance policy is canceled. APM refuses to share this documentation. 

XXXX XXXX has provided documentation on XX/XX/XXXX that all Casualty Insurance was paid in XX/XX/XXXX and is in full force through XX/XX/XXXX or paid in full for the entire contract year. 

We have all documentation showing that Casualty Insurance is paid for the entire Annual Premium into XX/XX/XXXX, that no lapse in insurance coverage has ever occurred, that APM assertions are erroneous due to either their inattention, inadvertence, neglect or willful negligence and fraudulent conduct. 

APM actions violate Federal and State laws, may constitute consumer fraud against the insured and attempt to EXTORT premium inappropriately from a Senior Citizen and USA Veteran of XXXX XXXX. This is easily elder abuse and consumer fraud. 

This conduct on the part of APM, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, is exactly the same conduct that the separate XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX in Minnesota and its XXXX XXXX, Iowa customer service department engaged in around Year XXXX. 

These Federal Mortgage Lenders are engaging in EXTORTION of Egregious Insurance Premiums from consumers who have already paid for their own Casualty Insurance. 

We understand that the current Federal Administration has fined XXXX XXXX XXXX in the amount of {$8.00} XXXX dollars in around XXXX for similar actions. 

We were attacked on 2 properties in XXXX with excessive Insurance Premium Demands, which is extortion. 

In one case at XXXX XXXX XXXX, XXXX, CA XXXX, the payments were prepaid by over {$15000.00}, while XXXX XXXX demanded another additional {$13000.00}. Noone in the Obama Administration, nor California government, did anything to stop the criminal fraud and wrongdoing that occurred from XXXX forward. We still seek redress for the theft of our XXXX, CA homestead where over {$400000.00} of 30 years of hard-earned equity was outright stolen from us, with foreign nationals now living in our custom built homestead. 

This fraudulent pattern can not repeat. What APM is doing to XXXX XXXX, USA Citizen and USA Veteran, is exactly what happened in XXXX : A Demand for Over-payment of Insurance Premium with an egregious Demand amount. 

Thank you for any assistance. 

Very Sincerely, XXXX XXXX, Owner, Trustor and Insured. 
XXXX XXXX XXXX, XXXX and P.O.A. for The XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE THE ATTACHED FTC VIOLATIONS
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 ar open end consumer credit plan as late For any purpose.
Product: Credit reporting or other personal consumer reports

That on XX/XX/ I sent a written notice to Department of EducationXXXX opting out of credit reporting. The Department of EducationXXXX has yet to respond to my demand.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX - I couldnt access my cash app.

XXXX - I couldnt find a cunstomer service for help on the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.
Product: Consumer Loan

I have an installment loan in which payments {$210.00} are deducted bi-weekly. I had a loan payment which was due on XXXX XXXX 2015, however, my paycheck was deposited early and I wanted to make sure that the loan payment was made. I spoke with an agent on XXXX/XXXX/2015 to arrange payment for the XXXX/XXXX/2015 payment which was subsequently deducted from my account on XXXX/XXXX/2015. Today, XXXX/XXXX/2015, I noted that an additional charge of {$7.00} drafted from my bank account. I contacted the company and was told it was a fee for paying early. I was at no time advised of this while making the early payment. I was also advised that a rebate offer that I used when initially applied for the loan would be voided because I made a payment a few days early causing me to incur an additional charge of over {$80.00}. I was never made aware of this when making the payment a few days early and only made the payment to prevent any issue with timely payment since the XXXX holiday was coming up. I should not be penalized for trying to take care of my obligations and ensure prompt payment.
Product: Debt collection

After auditing my credit reports, I discovered that Phoenix Financial Services is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with XXXX XXXX  XXXX, never done any business with Phoenix Financial Services, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports. 

Account : XXXX Amount : {$260.00} " open date '' reporting : XX/XX/2020 XXXX
Product: Checking or savings account

On XX/XX/2023, I filed a claim in the amount of {$180.00} for an ATM withdrawal. The ATM didn't dispense any cash and it read " error. '' Unbeknownst to me, my account was debited the entire amount. I explained the entire situation to a claims representative and I was told to wait for the investigation to be completed. However, my claim was ultimately denied. I am now out of my money and there is nothing else I can do besides file this complaint in hopes of getting this resolved in my favor. I've provided as much information as possible, but I have been unsuccessful at getting my funds returned. I work very hard for my income and I'd appreciate a thorough investigation into this matter.
Product: Credit reporting or other personal consumer reports

Every Inquiry in my Credit Report has violated my rights. 15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedes 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 to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was very surprised and disheartened to learn today that I have been paying interest on promotional balances with Best Buy for the past  1-2 years ( over $ 1100+ ). I fe el the interest and fees I have been paying were 'hidden ' from me once I adopted Best Buy 's push for 'paperless billing. ' I believe Best Buy 's campaign for paperless billing made it seamless for them to keep the details of the promotional balances and interest charged under the radar, exploiting the average consumer based on two facts : The small font and placement of the promotional balance information on their main webpage.  <P/> In the past, when I received paper billing statements in the mail, it was easy to see when promotional balances were expiring, as well as all the details of the fees, interest paid, and pertinent billing details.  <P/> Once I succumbed to Best Buy 's paperless billing campaign, much of this information became hidden. Their website 's online summary page only highlights the minimum payment due, current balance and available credit. There is no mention of interest paid, interest charged, or fees in an easy to see and noticeable location. The consumer has to scroll down and look for a smaller font which describes the details of any promotional balances expiration date.  <P/> Also, the consumer has to scroll down even further to see details of the last transaction where they might notice any previous interest or fees charged.  <P/> And in my case, every time I went online to look at the account activity, it was right after an automatic payment was made ; thus, there were no details of any previous interest fees paid- as this information was no longer available or shown on the main screen. The only way to see this is to click through several steps to pull up old statements, which then require the consumer to choose a specific file format, understand the upload process, etc.  <P/> When I called Best Buy to explain and ask for reimbursement of the fees due to above, they only credited me the amount of the last interest c harge ( {$660.00} ). Th ey said they would not credit me interest beyond this date, due to my account agreement.  <P/> This was very misleading and disheartening since I had the money to pay off any promotional balances before expiration, but was not properly informed of both the promotional balances or continued interest accumulation.  <P/> I would also like to point out that I have  XXXX  other credit cards that operate much differently than Best Buy. They specifically flag and point out to the consumer any promotional balance that may be expiring, and highlight interest paid or to be paid.  <P/> Unfortunately, I was not able to remedy this situation with Best Buy, and feel other consumers may also be suffering from the same fate.  <P/> I 'm asking for your help in this matter.
Product: Mortgage

Hello, Name : XXXX XXXX Loan # XXXX - Servicer : Cross Country Mortgage - COVID Forbearance Request I need assistance with confirming why my servicer does not allot me the ability to receive a COVID forbearance as my family and I are currently impacted by COVID. Per FHA guidelines, forbearances are still available until end of declaration which has still not occurred. 

My husband lost his job due to COVID and we are currently on a reduced income. This will be a temporary situation as he is actively looking for employment but I am seeking the COVID forbearance to assist with having to make reduced or no payments for a short period. I contacted my servicer today to advise and was told I could not receive the assistance and what will happen if I am on it regarding having to pay a lump sum or other possible options. I also contacted FHA and was advised I would have to reach out to my servicer though I have already. I feel like I am hitting a roadblock. I am aware of other servicers offering the same assistance for FHA loans and am confused why I can not receive it. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my TransUnion consumer report and noticed some items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A State I have the right to privacy 15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX Dispute Resolution Team, I am writing to dispute the collection account associated with my credit report, as reported by XXXX XXXX XXXX, regarding an alleged debt to XXXX XXXX XXXX. The account details are as follows : Account Owner : Individual Account Date Reported : XX/XX/XXXX Account Status : Unpaid Original Amount Owed : {$1100.00} Original Creditor : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Agency : XXXX XXXX XXXX Delinquency Date : [ Not Provided ] Balance Owed : {$1100.00} Comments : Consumer Disputes This Account Information Balance Date : XX/XX/XXXX Date of First Delinquency : [ Not Provided ] Agency Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX I dispute this account on the grounds that it is not mine, and it appears to be the result of fraudulent activity. Upon reviewing the information provided by the reporting agency, there is no evidence of my social security number associated with the contract, nor is there a wet signature that matches mine. This leads me to believe that my personal information has been used fraudulently to open this account.

I request a thorough investigation into this matter to verify the authenticity of the debt and to ensure the removal of this inaccurate information from my credit report. I am prepared to provide any necessary documentation or evidence to support my claim.

Please treat this matter with the utmost urgency, as it has serious implications for my financial well-being. I look forward to receiving confirmation of the dispute and resolution within the designated timeframe.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX Balance : {$4100.00} DEPTEDXXXX XXXXXXXX Balance : {$3000.00} DEPTEDXXXX XXXXXXXX Balance : {$3900.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$3800.00} DEPTEDXXXX XXXXXXXX Balance : {$5000.00} DEPTEDXXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Discover Financial services is reporting me as being a total of 60 days late, in XX/XX/2015 and XX/XX/2015. This is an inaccurate reporting and stopping me from purchasing a home.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their persistent failure to resolve disputes within the legally mandated timeframe, as well as the ongoing inaccuracies in the reporting of my credit information, specifically regarding the XXXX XXXXXXXX Account number # XXXX. 

Despite repeated attempts to resolve discrepancies in my credit report, Experian has consistently exceeded the 30-day window required by law to investigate and address these disputes. This prolonged delay has had severe repercussions on my financial well-being and has undermined my trust in Experian 's ability to accurately report my credit information. 

Furthermore, I am disputing the inconsistencies and inaccuracies in the reporting of the XXXX XXXXXXXX account number XXXX. Experian 's failure to accurately reflect my payment history, particularly regarding timely payments made in XX/XX/2021, has resulted in discrepancies across the three major credit bureaus. While XXXX reported timely payments for this period, Experian and XXXX have failed to provide any records, raising serious concerns about the accuracy and reliability of Experian 's reporting. 

I demand an immediate escalation of this matter and a thorough investigation into all issues related to the XXXX XXXXXXXX account. Experian must provide documented proof of any late payments and take immediate steps to rectify the inaccuracies in my credit report. Furthermore, I demand the removal of the XXXX XXXXXXXX account from my consumer report, as it is clear that Experian 's reporting has been grossly inaccurate and detrimental to my financial standing I expect a swift and comprehensive response to this complaint, outlining the steps Experian will take to address these issues and ensure the accuracy of my credit report moving forward. Failure to do so will result in further action, including legal recourse if necessary. 


Attached is documents of my previous dispute that was not addressed nor resolved in 30 days, proof of my identity and the inconsistencies that XXXX XXXX has been reporting on my credit report
Product: Debt collection

This company said they are a company that works for the CFPB. And when making arrangements to pay a debt, they are bound by laws to not make any false statements of any kind. 
What they did : 1. They told me and documented false statements of the amount of debt I owed. 
2. The company 's office at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ) went out of business with no forwarding address after all the debt was paid. 
3. They continue to have broken many fair credit laws and should have a criminal investigation done regarding their business practices. 
4. There license should be revoked due to this illegal practice.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00}
Product: Debt collection

Wells Fargo Bank is still trying to collected debt that pass the statute of limitation. Wells Fargo is putting false information on my credit report. I am requesting Fargo for name of the person who claim to open account face to face? I feel like Wells Fargo is being discriminated against me because I am XXXX XXXX.
Product: Debt collection

This company is trying to collect on a debt that is no longer valid as Tempoe LLC was ordered to reverse charges for their fraudulent practices.