23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called customer service at XXXX at the number of XXXX on the phone with the Rep asking for the number of a cell benefits insurance. On the phone for XXXX mins XXXX sec The rep did n't know of the benefit and transferred me to another rep. The other Rep did n't know anything I ended the call and Tried The phone number of XXXX. The Rep XXXX tried to verify my account Verify about my name, my address, a car loan, how much I was paying for this. Then asking me for my password on the account. The Rep before was able to verify that password the first time I called. XXXX said my password did n't match and could not help. He transfer me to XXXX who was a SUP. Asked all the Same questions then told me she could n't verify the account as well. Then Then transferred me to a manager XXXX XXXX also told me she could n't help. XXXX started fighting with me that she could not help. She kept pulling me on hold for long times of XXXX mins. Then hung up on me. I was on the phone for XXXX and XXXX XXXX. I then called back at XXXX I talked to XXXX in FL she told me she was able to verify my account and change the password. I told her I wanted to be compensate for the bad customer service after being on the phone with her and her talking to her manager after verifying my account and changing the password on it. The manager XXXX told me she was not able to verify and would not help me. after being on the phone again for XXXX mins. 
Desired OutcomeI would like to be compensated for the XXXX mins of wasted time. How customer service tried me.
Product: Debt collection

Someone opened a XXXX account many years ago and this collection agency placed a XXXX $ payment on this fraudulent debt to extend the negative mark on my credit report for an additional 7 years. 
Unethical in the actions of the collection agency
Product: Debt collection

XXXX sent a bill to Sunrise Credit Services saying that I owe a bill for {$1900.00}, which is not true. I spoke with XXXX XXXX on XX/XX/XXXX at XXXX about this debt. I explain to him this is not my debt, and when did this happen, he told me in XX/XX/XXXX when I was not even a student at XXXX and XXXX agree with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is furnishing inaccurate information to the consumer reporting agency, The reporting of inaccurate information has caused severe damages to my character, my reputation and general mode of living and my ability to obtain credit for personal and home purposes-15 U.S. Code 1681a ( d ) ( 1 ) ( A ). Furthermore, Credit Acceptance has obscured the true cost of its loans to car buyers, leading to severe financial distress for borrowers and subjecting them to aggressive debt collection tactics on loans its own systems predicted that borrowers cant afford to repay. Reporting misleading high balance along with inflated interest, borrowers that default on loans, lead to severe consequences, including wage garnishment and an inability to borrow money in the future. A default on an auto loan can also lead to the borrower losing their means of transportation, which can cause job loss and a further spiral of damaged credit and financial distress. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. person- ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Prohibition- the action of forbidding something, especially by law.
Product: Debt collection

To whom it may concern, I wish to complain about a horrific encounter XX/XX/2020. Yesterday evening, I called Portfolio Recovery Associates @ XXXX Eastern Time. I contacted Portfolio Recovery Associates to try and negotiate a collection debt and I was made aware that what I was trying to pay can not be accommodated. I then asked if I can have any contact information for the CEO, XXXX XXXX of Portfolio Recovery Associates. Instead I was transferred to one of the managers on site that was completely and utterly disrespectful. This " manager '' was very discourteous and unfortunately I was unable to get his name. When I asked to speak to his manager he told me was that he will not forward my call to his manager whose name is " XXXX XXXX '' and hung up on me. I have never in my life encounter such disrespect and felt so LOW in my entire life more so during times like this. 

I am a single mother and struggling financially. I want to change my life around and build and set new goals. I am looking to eventually start saving for my future home buying process for my XXXX XXXX and I. So I decided to start at Portfolio Recovery to clear these accounts instead of filing for bankruptcy. I hope that this problem gets resolve and pray and hope that no one gets this type of apathetic experience like this ever again. I sincerely hope that there is redemption and am pleading for such consideration for how your staff made me feel and my dignity. If any additional information is needed, please feel free to contact me at any time. Thank you for the time you spent reading this letter.
Product: Credit reporting or other personal consumer reports

To whom it may concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any person a record of inquiries concerning a credit or insurance transaction that a consumer does not initiate. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is an identity theft case, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX Account Number : Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX  Account Number:XXXX Please send me the documents that prove that I was late. If you can't prove that you had proof, you need to remove these late remarks.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX
Product: Debt collection

This is a warning notice to the alleged violator of such debt. After an extensive review of my consumer report I noticed I have violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of subside, deceptive and unfair debt collection practices. Not only did you furnish this information to the reporting agencies without my consent, nor did you take the proper steps to verify that this information is accurate. Which is it NOT! 15 USC 1681s-2 You also listed this alleged debt as a charge off. How can you collect on a cancelled debt that is also considered income? Also, income should not go on a consumer report at all. This also means that you filed this as a loss with the IRS and received compensation for it. This also means that I should have received sa 1099 to file, BUT I DIDN NOT! This is a violation of 26 USC 61-64. I also never received a notice that this information would be furnished on my report. You are supposed to contact me within 30 days, no later before furnishing the negative remarks. This is not all, but just s few of the violations that I am bringing to you US AUTO FINANCE XXXX XXXX and the CFPBs attention. 

I am requesting to be provided with the written contract between me and you US AUTO FINANCE XXXX  XXXX giving you the right to access my personal information and to also furnish this information. I would also like the original written contract with myself and US AUTO SALES. I will also need a full audit trail. I am needing the actual physical documentations to support the information that is being reported on my consumer report. Screenshots and statements will not suffice. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect that the item in question will be permanently expunged from my record : Best Regards, Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I attempted to opt out of Experian 's third-party data sharing via their Privacy Policy section. The opt-out link XXXX XXXX ) under " Your U.S Consumer Date Privacy Policy '' is broken and signs me out. I need to review my data held by Experian and affiliates to address credit report discrepancies that may stem from third-party data brokers.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX2024XX/XX/year>
Product: Payday loan, title loan, or personal loan

We applied and were granted credit with Affirm for a purchase through XXXX 's XXXX, the vendor for the tile cutting machine we purchased. The loan was initiated on XX/XX/XXXX for the amount of {$2000.00} and first payment due on XX/XX/XXXX. 

When we were discussing the monthly payments and interest rate, we were informed that it was about 16 %, and that we would receive the loan information sheet, listing the loan amount, interest rate and number of monthly payments due via email. 

In an attempt to lower the extremely high 16 % interest rate being charged, we inquired with the representatives of Affirm if we could make additional principal payments each month to pay down the loan sooner than the schedule 12 months and thus lower the total interest payments without penalty, and were informed that this was an option. We never received a statement or email outlining the monthly payments indicating the amount applied to principal and interest, however proceeded to make payments in excess of the minimum payment due, each on or before the due date ( the XXXX of each month ), In addition to the minimum payments, our account was credited a refund in the amount of {$130.00} on XX/XX/XXXX, at which time our monthly payments were not adjusted to reflect the new financed amount to be {$1900.00}. 

I have an amortization spreadsheet documenting each payment and according to our records, our payments should have reduced interest paid, however in actuality we paid {$460.00} instead of the scheduled {$350.00} which represents an increase of 44.71 % of the original amount of {$350.00} ( 74.7 % ). 

We reached out to Affirm and were told that in order to pay this loan off in full we needed to make the additional payment of {$100.00} to avoid future interest payments. At which point we opted to pay the amount to stop these interest payments and file a complaint/review with your bureau. 

I have a list of our payments, and the initial " loan documents '' from Affirm for your review if needed. I am enclosing each email confirmation for payments made to AFFIRM, along with spreadsheets that identify the regular payments, the payment schedule and payments made for the loan without the refund applied, and one with the refund applied.

Important amounts pertaining to this loan : Loan date Original loan amount Modified loan amount due to refund XX/XX/XXXX {$2000.00} {$1900.00} ( returned initiated on XX/XX/XXXX ) Payments were made on the following dates : XX/XX/XXXX {$300.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$220.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$250.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$100.00} [ ***= XX/XX/XXXX {$130.00} adjustment for refund made on XX/XX/XXXX ] Overview : We were not credited the interest we are entitled to receive due to paying the loan in 9 months instead of the 12 months, we were not credited the refund amount of {$130.00} ( applied on XX/XX/XXXX ).
Product: Mortgage

To whom it may concern, My name is XXXX XXXX and I am writing this letter to explain to you the series of unfortunate events, which caused me to fall behind on my mortgage. My husband and I went through a difficult XXXX and as time passed he was only able to contribute a small amount. Later on, he XXXX XXXX and was not able to contribute at all. At the same time, my daughter XXXX XXXX XXXX was going through her XXXX XXXX  XXXX, and was not able to work and therefore was not able to help me either. Thankfully, my financial situation has gotten better now and I feel a loan modification would help me get back to current and would help me keep my home. I have my mother living with me and my XXXX children and I would like to keep my home. Unfortunately, it 's been XXXX years I have applied for a loan modification with my lender, Select Portfolio Servicing and I keep getting denied for a Loan Modification every time. I feel a part of the denial is because I am of XXXX Descent, because the staff is very rude each time I 've worked with them. Select Portfolio Servicing advised me, the reason for denial is because they could not create an affordable payment. I do n't understand how this is possible if my interest rate is at a 9.69 % right now and I 'm sure they can accommodate my loan if my interest rate drops drastically. In the last couple of months, SPS has offered me a repayment plan with 12 monthly payments at {$2300.00} and a XXXX balloon payment of {$87000.00}. I have appealed this decision and have told SPS many times that this is unrealistic and I can not afford the repayment plan. My usual mortgage payment is {$1100.00} and even if this payment increased a little bit, I can still afford it.
Product: Money transfer, virtual currency, or money service

Tried to send funds to XXXX. My niece needs a pacemaker. Very confusing instructions. XXXX did not explain that they would send separate emails. I did not know what to do. My bank sent some text messages with 6 digit codes. 
Did not know what to do with these codes. Thought everything was fine until my niece emailed me asking why I cancelled transfer. I did not cancel. XXXX cancelled and then deactivated my account. Feel like I was never given a chance to try again. Filed an appeal and it was rejected. First time to use XXXX and found it difficult. Not computer smart. XXXX XXXX XXXX XXXX XXXX. This is all frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  del  XXXX  not  XXXX    XXXX   XXXX   XXXX   del  XXXX   XXXX   XXXX   XXXX   XXXX  del  XXXX   XXXX   XXXX    XXXX    de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX
Product: Mortgage

My problem is with two companies - Shellpoint Mortgage and XXXX- I have been working on this problem since XX/XX/XXXX when I put the condo on the market. Apparently, we had XXXX submissive liens on the condo - one from XXXX for about $ XXXX and one from XXXX bank for {$0.00}. I had two buyers- one in XXXX of XXXX and one in XX/XX/XXXX. 

I was in constant contact with both Shellpoint Mortgage and with XXXX to get this resolved. I would walk away with no money - but could put this in the past. 

I have about 3 inches of correspondence - emails, letters etc going back and forth. XXXX would not work with Shellpoint. 

In XX/XX/XXXX, while still working with Shellpoint, I was informed that Shellpoint had foreclosed on the property in XXXX of XXXX - and sold the property with all liens cleaned up... 

Until I was notified again by both that I owed $ XXXX to Shellpoint and $ XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed inquiries on my transunion, XXXX, and XXXX credit report : XXXX Inquiry date : XXXX XXXXXXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Inquiry date : XX/XX/year>, XXXX Inquiry date : XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I made a wire transfer from one bank to another. The bank I sent from said they sent it. The bank that was supposed to receive it said they never did. For a week it has been back and forth with no result.
Product: Credit reporting

EQUIFAX IS NOT REPORTING PURSUANT TO THE FCBA THE XXXX XXXX XXXX OR XXXX ACCOUNT AS IN DISPUTE WITH NO INFORMATION. IT INSTEAD IS PUBLISHING FALSE INFORMATION THAT PURPORTS I OWE XXXX. IT ALSO HAS NEARLY XXXX FRAUDULENT AUTO LOAN INQUIRIES THAT USED THE FAKE MIXED FILE NAMES OF XXXX XXXX XXXX AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed a certified letter to XXXX XXXX for validation of the auto account stating I owe {$21000.00} they placed on my credit report, which does not belong to me, I never open this account with them, its been over 120 days and no response back from XXXX  XXXX.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 

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 : xxxxxx XXXX, XXXX. XXXXL, 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 GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : 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 a 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 to any 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

Contacted company several times regarding identity theft and no response
Product: Debt collection

This company lvnv funding is claiming I owe them something that I do not owe. 
Ive asked them to stop calling me and to mail me all the paperwork as required by FDCPA
Product: Credit card

I was awarded more than XXXX Citi Thank You points from both a Citi Premier sign up bonus and points from regular spend. Citi advertises this as being worth more than {$600.00} in travel when booking through their portal. I have tried to book hotels through said portal, however the booking keeps failing. The card works for all other merchants ( online and in-person ). Both representatives from Citi card/bank and the Thank You team are unable to do anything about it, and keep passing the buck to the XXXX party XXXX XXXX when the problem lies with CitiBank to allow Citi XXXX XXXX XXXX clear. Again, the card is not blocked/locked/frozen etc. They also claim the CVV and expiration date are wrong, when even the Citi rep can't book it over the phone manually. So, the best I'm able to use these points for is to pay for purchases, however this is worth less ( ~ {$450.00} ). So, I conclude that Citi 's claim of {$600.00} is false advertising in this case unless they can rectify the situation.