23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, I received an email from Experian.com requesting information to help repair my credit report. Thereafter, I received a call from a representative at Experian trying to obtain information to help me repair my credit report. I informed the representative that I was not interested in their services and asked them to stop sending me any further text or phone calls regarding the same. 

Thereafter, on or about XX/XX/2019, I received an email from Experian soliciting their services again. I unsubscribed to their emails as directed by the terms in the body of the email. Thereafter, on or about XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, I again received unwanted solicitations from them via email. Additionally, I received various phone calls from representatives requesting personal information. 

Notwithstanding the foregoing, I again, after various requests to stop contacting me via email or telephone, received another email requesting me to use their services. 

In light of the foregoing, and despite my repeated requests, it is clear that Eperian.com is blatantly harassing me and inundating me with emails and phone call which has affected my work, by having my phone ring during work hours to try and as well as cause undue stress of trying to obtain my personal information. 

The only course necessary to have them stop this telemarketing charade is to initiate legal action against the company. Once you unsubscribe to them, several other companies call and send email to try and offer assistance in repairing my credit. These sub companies try to obtain personal information ( i.e., SS #, DOB, Banking information ).
Product: Student loan

Over the course of several years, approx XXXX - XXXX, I repeatedly tried to enter an Income Based Repayment plan for my student loans with Fed Loans. I would contact customer service, fill out forms and send in my applications and never hear back. Eventually, I was able to successfully enter into an agreement. Additionally the pandemic has put accounts on hold. 

My problem is that my account shows missed payments over XXXX and XXXX, which are inappropriate because I was in contact with my lender and repeatedly submitting the necessary documents for an IBR plan. It is severely impacting my credit score as there are multiple accounts, due to multiple disbursement dates. There are 10 accounts, each reporting 2 missed payments of 90-119 days late, and 1 missed payment of 120-149 late - totaling 30 severely delinquent payments. 

I filed a credit dispute with Fed Loan during XXXX and received a response that my accounts were in good standing because of the pandemic hold. This did not address the account issues I was disputing in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Comenity bank/XXXX XXXX and XXXX is reporting inaccurate information. The credit application that was received by Comenity bank is the security that funds this credit transaction. The IRS clearly and conspicuously states that I am entitled to receive the principal and interest while XXXX XXXX has to pay the taxes. Thats how I know this account could have never been late because XXXX XXXX was required to apply the interest to the balance to settle the account.
Product: Mortgage

This is a continuation of a complaint I filed back in XX/XX/XXXX against Nationstar Mortgage LLC. The original complaint number was : XXXX. The situation recently has deteriorated significantly. I completed a deed in lieu with Nationstar on the property at XXXX XXXX XXXX XXXX XXXX MI. XXXX. The deed in lieu was accepted, I signed all of the closing documents with a notary at the credit union and after all was done and agreed to Nationstar sent me the " surrender of possession '' agreement as the final step. I signed the agreement and sent it back. Nationstar then took physical possession of the property, assumed responsibility for the utilities, property taxes and insurance. All was done. As referred to in the original complaint, as of XX/XX/XXXX I still had n't received my promised cash for keys check for {$3000.00}. I then asked what was taking so long and they admitted to me they did n't have an assignment of mortgage for the property. When I expressed obvious discontentment at this news, as that 's title fraud, they assured me all was well. It was their plan to get a power of attorney so they could solve this and we 'd be on our merry way. I have assumed since then that my involvement was no longer required as I 'd just have to wait for them to get the power of attorney and I 'd be getting my check eventually. As of XX/XX/XXXX, 15 months AFTER the deed in lieu was completed and executed, executed being the key word here, they are now harassing me to start making payments again or pay off the loan in full. I 've been turned over to collections and I 'm getting calls from Nationstar multiple times daily demanding I set up payment arrangements. I 've now received a document from Nationstar informing me they regret to inform me that my application for deed in lieu has been declined, reason being they ca n't clear the title. They ca n't " decline '' the deed in lieu as it 's already done and in the past. They have had possession of the property via the contract they executed for in excess of 15 months already. Their claim of " unable to clear title '' is outright lunacy. Of course they ca n't release me from the debt. By federal law the debt never existed in the first place. They never attained the assignment of mortgage for the property. At no point has Nationstar been legally authorized to collect money on that property. The assignment of mortgage has to be in place before that can happen. To this day, the mortgage for that property is still legally assigned to XXXX. This is the literal definition of title fraud. I 'm hoping there is a way to send documents with this letter.
Product: Credit card or prepaid card

On a {$27.00} principal balance this company is charging {$70.00} in fees and interest. they continue to add {$35.00} per month as a " fee '' plus interest. I have paid the statement balance on the original principal amount due of {$27.00} in the full amount owed at {$60.00}. They refuse to accept this payment as paid in full for the {$27.00} balance which was also for additional fees and interest in XXXX. They continue to add fees and interest onto no transactions and no additional use of the card, simply charging fees and interest on fees and interest. Please have this company zero out my balance and cancel this card as I instructed them to do so months ago. Please do not allow them to continue to charge me fees in excess of 100 % of the principal balance owed. My final payment was mailed XXXX-XXXX-2017 in the amount of {$60.00} which I believe to be a gross overcharge, however they want an  additional {$35.00} for an additional fee plus an additional {$1.00} interest on their late fee.
Product: Checking or savings account

On XXXX XXXX XXXX I received an alert via text verifying a purchase at XXXX XXXX. I told them no. There was also a charge for XXXX from XXXX XXXX XXXX XXXX right after that too. I told them no to that charge too. They asked me if I had ever been to XXXXXXXX XXXX I said no and I didnt know what it was. They asked if I had been to the XXXX XXXX XXXX XXXX. I said yes but not that location. I googled XXXX XXXX XXXX says they are in XXXX XXXX area and now I know they also have a galleria location and XXXX XXXXl too. Its an apparel store and the other is an ice cream cookie store. 

I called the WF rep. and began my claim. They reversed the money and credited my account. I got a series of emails almost daily saying they are looking into my claim. 

Last XXXX XX/XX/13 I was on my way to get lunch w family and then I saw my account was negative because they reversed the claim. They pinned the XXXX charge ( {$180.00} ) on me. They never reversed the XXXX XXXX XXXX for XXXX i was credited for that, This was my day- on wed XX/XX/XXXX. I just received my pay check from my XXXX XXXX job direct deposit. I was on my way to my XXXX job at a XXXX XXXX when I stopped at a XXXX XXXX XXXX  on XXXX XXXX and swiped my wells fargo debit card outside. I then went to work and worked XXXX then went to my XXXX appt at XXXX in XXXX XXXX XXXX XXXX. After my appt. I swiped my WF debit card at the XXXX parking garage for {$7.00} around XXXX. Then I headed home and stopped in XXXX XXXX to get something to eat and that's when I was alerted there was a charge at XXXXXXXX XXXX the transaction showed it was used around XXXX. I believe my card was copied at the gas station pump among several other cards robbed that day and then duplicated and then used to shop and steal from me. Prior to the gas station, all previous transactions were mine, but not XXXX XXXX and XXXX XXXX XXXX. 

After my lunch wed XX/XX/XXXX  I was livid. I spoke w Wells Fargo rep and they said they " ruled '' against me basically and that was it. I questioned their " investigation '' and they had no more feedback for me. I can not believe this is how they handle their customers!!! Their investigation was awful too I actually swiped my card in the med center parking garage and XXXX XXXX XXXX XXXX XXXX and can prove this while the thieves were shopping on my dime. Wells Fargo expects me to be a victim twice.
Product: Checking or savings account

They send me to a voice mail system and no one ever contacts me. Please fix this problem and email me at XXXX. Thanks for your time
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using XXXX  numerous times and reporting discrepancies, my financial and XXXX  failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting

Credit report continues to show duplicate accounts that will not be removed. After running the XXXX score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.
Product: Checking or savings account

I bank with the predatory bank SunTrust. I used company option to refuse transactions if funds aren't available as well as the option for turning off card if funds are low or unavailable but I am being charged excessive fees because they allow transactions to process with the deliberate intention of charging fees. 

I have been charged thousands of dollars a year by a process that is correctable but they choose not to because it surely generates billions in revenues foro their organization. 

I want my money back without any excuses. When then account reaches a negative balance that they feel is beyond what they are willing to lose they then become capable of stopping the transactions when funds ar not available. So it is possible to accomplish. The institution just chooses not to do it until it's a potential problem for them. 

I have challenged them by calling to their attention that I opted to not allow approval of transactions when funds are not available and that my card was turned off when transactions were processed. Both options were not adequate to prevent transactions and prevent the accrual of those enormous fees. I want those funds refunded to my account retroactively. 

Thank you, XXXX XXXX, XXXX
Product: Mortgage

Lost work and income do to XXXX and on last XXXX XXXX XXXXXXXX XXXX need help keeping my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card or prepaid card

I bought a XXXX XXXX XXXX by Netspend from XXXX and loaded it with XXXX . I have been trying to activate my card for days but so far couldn't. 
First, I tried to activate it through their website with no success. On the activation page, you are asked to enter the card number and security number, and when you do that and press continue, nothing happens. The activation page only refreshes ; Then, I called them as I also needed customer support to activate. After several attempts, the automated response was saying that all lines are busy and then hung up!!! I tried several times but can not reach anyone. After that, I downloaded their app, and finally, their system recognized my card for activation. They asked for my name, address, and social security, which I reluctantly gave. After setting up the account, I was blocked again, and I was requested to scan a valid ID and send it to them!!!! 
This means revealing too much information about myself, and most importantly, this request was not written on the card 's packet when I bought it. 
Finally, I tried to solve the issue by calling customer service but again, no luck. It's just that nobody answers. 
Check the other reviews of Netspend on the internet, and you will find tons of complaints about this card. I should have researched them first!!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The company has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, Experian, and XXXX ), which has significantly impacted my credit score and financial standing. 

Specifically, the discrepancies include : Inaccurate Late Payments : XXXX XXXX XXXX has reported late payments on my account, although I have never been late in making a payment. 
Inconsistent Reporting Across Credit Bureaus : The information regarding my balance and payment status is not consistent across all three credit bureaus. For example, the balance reported by XXXX XXXX XXXX is different from what is listed on my actual statements, and payment statuses vary from XXXX bureau to another. 
Incorrect Balances : The reported balance on my account with XXXX XXXX XXXX is incorrect, which is also affecting my overall credit utilization. 
I have already attempted to resolve these issues directly with XXXX XXXX XXXX by [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the discrepancies have not been corrected. Despite these efforts, XXXX XXXX XXXX continues to report inaccurate information, which has led to a negative impact on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate information is reported to the credit bureaus. I also request that XXXX XXXX XXXX be held accountable for their failure to correct the inaccuracies in their reporting. 

Thank you for your time and assistance in resolving this matter. Please let me know if you require any further information or documentation to support my complaint.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 Toyota Motor Credit XXXX XXXX XXXX, XXXX XXXX, ia, XXXX Dear Toyota motor credit, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX fl XXXX in the months of XXXX through XXXX and identified the debt as XXXX charge offs of XXXX and XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit card

I purchased items that were returned and I was not properly refunded for. I have been assured of the appropriate return amount since XXXX. This has not happened despite over 10 calls to the customer service department.
Product: Vehicle loan or lease

Truist bank does not allow loan deferment. They require an approval of unemployment benefits or the return to work date. This means myself, who has been unjustly fired from my job and am trying to fight that, has no options but to default on my car loan. Thus putting me and all their future customers needing this support into further financial crisis. This is obviously predatory. The Truist agent actually told me to " borrow the money from someone ''. Wow.
Product: Debt collection

I filed adispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 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 XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

Notice for Proof of Claim Account : AAS DEBT RECOVERY INC XXXX I have sent in a complaint over this unverified debt with a 3rd party collection agency that I have never done any business with. I have sent a cease and desist letter and requested the proper documentation and never received the proper paperwork requested. I did receive a generic screenshot-style letter with inaccurate information listed. There was no proof of contract as required by OHIO Law under 1319.21 O.R.C. CODE TAKING ASSIGNMENT OF DEBT ( FDCPA ). I have no business relationship with AAS DEBT RECOVERY INC. I need to seed their proof of ownership or the chain of title ownership. I firmly believe they ( AAS DEBT RECOVERY INC ) are attempting to enforce a claim upon my person without any valid information.
Product: Debt collection

Capital One is not allowing me to complete a request to do a charge back. I dont think I have ever done a charge back but I bought a bracelet with a warranty and the company is not sending a return label to return the bracelet. 
It is not the quality promised. 
I have XXXX days to return. 
I work nights/graveyard and its very difficult for me to sit on hold for an hour to deal with Capital One. 
I sleep during the day and wake up only to eat quickly. 
This is very frustrating as the company wont assist me.
Product: Credit card or prepaid card

I received a letter fr om Chase stating th at my credit card interest rate would be increased to 25 %. I had, had the card for several years, and I have excellent credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX XXXX, and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and identification as it contains my complaint and requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed these items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX