23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I leased furniture through a company called acima credit. And signed a lease over the phone thinking I was paying the amount discussed over the phone which was {$650.00}. They then sent a letter a few weeks later saying I had a  XXXX  deadline to pay off the bed. That was   XXXX   XXXX   XXXX    . I called to figure out when my deadline was and told me it passed and that I now owed {$980.00} dollars. I asked to be transferred to a supervisor, which was very rude, to try to resolve the issue. I never knew I was signing a lease for more then the amount owed until I received the letter. But the damage was done. The lease was already signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently buying a new house and my lender ran my credit check. He told me that my mortgage was not being reported. I contacted Flagstar my mortgage company and they said thats correct and needed research to find out why. A week later still no call back. I contacted XXXX XXXX, XXXX, and XXXX and they all said there is no information on Flagstar on my report. I asked them my next step and they told me to reach out to you as this is a law that they have to report. This loan goes back to XXXX and I am requesting all of my credit from then to now please be reported.
Product: Credit card or prepaid card

BANK OF AMERICA CREDIT CARD SERVICES CLOSED MY CREDIT CARD ALLEGING THAT I MISSED FOUR PAYMENTS. I MADE TIMELY PAYMENTS THAT WERE ALLEGEDLY REJECTED BY MY BANK FOR UNKNOWN REASONS. I MADETHESE PAYMENTS IN GOOD FAITH AND BANK OF AMERICA CLOSED MY ACCOUNT FOR FALSE AND UNFOUNDED REASONS.
Product: Debt collection

On XX/XX/XXXX I was sent a letter stating Pivot Rock solutions, ( my debt handler ) was requesting insurance and be labeled as loss payee on my insurance. Claiming if they didnt they would buy insurance for me at XXXX XXXX a month. As I listed Pivot Rock solutions as a loss XXXX, my first payment on XX/XX/2023 did not have a program fee cost. On XX/XX/2023 I made a payment of XXXX $ had a charge of XXXX $ listed as program fee when asked at the time the attendant could not give me a valid description of the charge. The next month XX/XX/2023 a charge of XXXXXXXX XXXX on a XXXXXXXX XXXX payment. The latest payment of XXXXXXXX XXXX has a XXXXXXXX XXXX program fee that. when asked i was referred to a phone number and my deductible needed to be lower than XXXXXXXX XXXX and that I would have to figure that out with my insurance company. A debt collection agency should not have dictation of my insurance premiums as they are separate entities, much less pay themselves off of my money that is not going to the principal of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX XXXX card XXXX XXXX XXXX XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

Equifax XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX XX/XX/XXXX along with XXXX which I believe to be accurate. However, Equifax is reporting two more inquiries that would not have been me three times to the same place in a matter of days and XXXX reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 U.S. Code 1681i and 15 USC 1681a ( d ) ( 2 ) ( i ), I demand Transunion remove all of the adversely reported items from my consumer file. It is inaccurate information and is adversely effecting me, which is a violation of the law. I have Opted-out of all the accounts being adversely reported with the companys associated with the accounts. Per 15usc 1681b, Transunion does not have my consent to continue to report the adversely reported accounts. I have sent a Notice of Dispute on XX/XX/23 to Transunion. Per Transunions SUMMARY OF RIGHTS section, I a notifying you that the adverse information is incomplete and inaccurate! All information in this complaint is to be used for investigation purposes only for CFPB and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 reporting, credit repair services, or other personal consumer reports

I previously had a wells fargo secured card and the balance was settled for less than the balance this account has showed inconsistency with my report such as incorrect information and account status and other detail account information.
Product: Debt collection

A collection company has listed a derogatory trade line on my credit report. Instead of disputing the account with them, I agreed to pay the account in full for XXXX which was paid on XX/XX/2016. In return, the company, Credit Collection Services ( CCS ) agreed to report this account to XXXX and XXXX for total deletion. They account was never listed on my XXXX report. After checking with both of these credit reporting companies, they still have not received an updated request from CCS to delete the account and CCS is saying they have done so while the credit reporting companies is insisting they have not requested deletion of the account. In addition, the account still shows and outstanding balance. I have contacted CCS and their standard rebuttal is that it will take 30 days to reflect the deletion request while the credit reporting companies are insisting that if they have indeed requested the deletion of the account, the request was perform immediately upon their but insist they have not received such a request. The document attached do not reflect the actual date the account was paid, it only shows the date I printed the form and as you can see it reflects a XXXX balance. This incident is stopping me from transacting a major purchase and I need the account deleted as CCS promised on a recorded phone line during several conversations.
Product: Debt collection

Tri-State Adjustments, Inc. a Wi sconsin-based Collections company is attempting to collect on a debt that they can not confirm is owed by me. On  XXXX   XXXX ,  2017 , I sent them a letter disputing their claim and requested per FDCPA that they identify their client, and to validate this alleged debt through any and all documentation supporting their claim. I have filed this same complaint with CFPB case file number  XXXX  in which Tri-States Adjustme nt, Inc.is basically unresponsive stating they are waiting on proof that I have paid this bill. It is obvious that Tri-State Ajustment , Inc. does n't understand the law because they should know that the burden of proof that a debt is owed is upon them and not the consumer. I will also be filing formal complaints with the Wisconsin Department of Financial Institutions who regulates their license and with the Minnesota Department of Commerce in which Tri-St ate Adjustments claims they are licensed with.
Product: Credit reporting

XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.
Product: Student loan

So this is more about the interest I accrued during my first XXXX  XXXX bankruptcy roughly over 14-15 years ago when i contacted my lender they just said I'm in forbearance and dont have to make payments. Well my XXXX  XXXX was 5 years making payments of XXXX dollars a month Navient never told me interest would continue to add up so my XXXX loan went well over XXXX. Now I'm going to pay about XXXX just in interest over the life of the loan till XXXX/XXXX/2030. This seems so unfair and I don't know what to do and feel helpless. Paying almost 3 times the original amount seems so unfair.
Product: Debt collection

They have been calling my employer and the guy was angry with me over the phone.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent paid off remains balance to Bridgecrest they are showing on my credit score 90 days of non payment dropping my credit score 90 points
Product: Debt collection

This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FDCPA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately. 

I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction. 

I NEVER gave you or any other debt collector permission to send me a bill/statement through the mails trying to coerce payment and threatening me to report to cras or any other agency if I didn't pay this alleged debt. On record These are all alleged debts that I owe and Pursuant to 18 USC 8 I know All obligations of indebtedness are the obligation of the UNITED STATES.

Two the contractual agreement your sending my collection bills/ statements for has already been paid with my open ended credit plan all correspondence from your company is fraudulent. PURSUANT TO 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former Panama Canal Zone ; the Trust Territory of the Pacific Islands ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document.

After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS ROPORTING, FOR XXXX AND ITS NOT 100 % ACCURATE AND THEY ARE EITHER INACCURATE, UNVERIFIABLE AND INVALIDATED. HOW CAN THERE BE TWO DIFFERENT ACCOUNT NUMBERS FOR EXPERIAN AND XXXX. ALSO DIFFERNT BALANCE AMOUNT. IN ACCORDANCE WITH TH FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND 15 U.S CODE 1681 e ( b ) AND 15 U.S. CODE 1681i ( 5 ) these accounts are in violation of not reporting accurate.
Product: Credit reporting or other personal consumer reports

Transunion is in violation 1- My previous dispute did not ask you for accuracy or validation. 
2- You reported alleged transactions as Late on different accounts, which are inaccurate on my report. 
3- You failed to provide proof from creditors providing a 21 days notice before due dates Accounts ( A ) XXXX ( B ) XXXX ( C ) XXXX ( D ) XXXX ( XXXX ) XXXX ( F ) XXXX ( G ) XXXX ( H ) XXXX ( I ) XXXX PLEASE READ ATTACHED LETTER WITH LAWS AND REMOVE THE LATE PAYMENTS ON MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failing to remove fraudulent accounts from my credit report, despite being advised that these accounts are the result of identity theft. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts are listed below XXXX XXXX XXXX As required by the FCRA, Experian is obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. However, they have failed to do so in this instance, continuing to report accounts that are fraudulent. In addition, under the FDCPA, I have the right to request verification of the debt, which Experian has not provided in a timely or adequate manner. 

To resolve this issue, I am formally requesting that Experian provide, within 15 days, the following : XXXX. The name of the person spoken to regarding this matter. 
XXXX. All documentation used during the investigation. 
XXXX. A copy of any signed application with a wet signature associated with these fraudulent accounts. 

I want to be clear that I am not requesting an e-OSCAR or automated response. If Experian can not provide this documentation, these items must be immediately removed from my credit report, as they are in violation of both the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ). 

Failure to comply will result in further legal action to protect my rights as a consumer. I appreciate your prompt attention to this matter and look forward to a resolution.
Product: Debt collection

A company called and stated we owed a debt. We asked for proof and never received any. Years later they called again. We still were not given answers. Then they sent a letter stating they were garnishing my husbands wages. We never had a chance to fight it. We lived in Florida and the debt collector is in Kansas. They claim the debt is from  2007 b ut fail to provide proof. Now they keep sending letters that show debt and a 12 % interest rate monthly. They garnished my husband wages until we moved and he changed jobs. Now, they 're sending letters again demanding money.
Product: Mortgage

My car/auto/home insurance XXXX says that Midwest has not paid them for my home insurance. My home i surance also has Californias earthquake insurance. For the past two months XXXX gas been trying to contact Midwest Loan Services for 2months. My home is endanger of not being insured, being at risk of no coverage for theft, fire, etc. i feel this is outrageous to have to deal with this scary situation. Please help me.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Data of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ), This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

My house burned down In XX/XX/XXXX. I have US Bank as my mortgage company. I have submitted my insurance check to them and have completed all of the steps under step 1 and 2. After I completed step 1 ( I will upload all paperwork US bank has  sent me ) I was denied the first release of my 33 percent check to pay my contractor because they said I need blue prints and I would not get my check until blue prints were given to them and they were approved. No where in the paper work does it say I need blue prints. I uploaded and faxed what I had from my contractor and filed a complaint. I called US bank property loss division the next day and my first check was released. My check was sent to me. I now have completed step 2 and waited the 5 business days like I was told. I called today XX/XX/XXXX. The first person told me what I had originally uploaded wasn't sufficient and they were denying me my second check. I was put on hold and hung up on. I called back. The second person told me the same thing and said we need " more measurements. '' No where on their paper work does it say I need " more measurements '' to get my second check. I was disconnected from that call as well. Neither the first or second property loss customer service agents called me back. I called a third time. That customer service agent informed me my paperwork was just general paperwork and they do not have total loss paperwork and that it doesn't matter if I completed all the steps on the only paper work US Bank has provided me and that they will not release my second check so I can pay my contractor for my house being 50 % complete.
Product: Debt collection

I am receiving phone calls regarding this debt, claiming it is not being paid. The debt is an off-set through the treasury that has been coming out since XXXX XXXX and should complete XX/XX/XXXX. Less than half or NONE ( according to some of the calls ) have been collected. The treasury automatically pulls {$260.00} each month. I have receipts. I do not know where the money is going once it is pulled. I simply have documentation that states the money has been pulled for a debt. For this reason, I am asking the company to refrain from their phone calls as money is being pulled from my account. I am working on where it is going. If you have questions, contact the treasury or the VA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my payment history with your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I have been speaking with a XXXX XXXX in the XXXX office. We started discussing settlement options regarding this account in the beginning of XXXX. My account had fallen behind in XXXX. At the time of the late payments, I recently contacted XXXX. I was also going through a divorce and custody battle, which exhausted a good amount of my financial resources. I am also a XXXX XXXX in the XXXX area that was recently affected by the changes in XXXX XXXX that has gained national coverage. I had to recently switch jobs to a new district, which drastically affected my pay. XXXX and I were speaking to come up with a settlement offer for my account. At first he was very helpful. Initially the settlement that we came up with was not accepted. It was an offer of a down payment and splitting the rest of the balance into payments. I wanted to offer a down payment and then have the rest of the balance split up into payments. We spoke on XX/XX/XXXX and he told me that he received an email with my name on the list of approved settlement amounts that was very close to the amount that was offered in the settlement offer first submitted. He was able get the settlement approved but said that he had to reach out to his supervisor to finalize the settlement. For the month of XXXX I kept reaching out to XXXX about the finalized settlement and when I could make payments. Then he informed me suddenly in late XXXX that the settlement offer was not approved. I reached out to the home office and was able to contact XXXX XXXX XXXX ). She has been helpful in regards to advising me to make a payment before the account would be charged off. I completed a payment in XXXX on my account. XX/XX/XXXX I was informed that my account was charged off despite my efforts to settle the account and making a payment in XXXX. 
XXXX XXXX deceived me for the month of XXXX by telling me my settlement was approved and then lied and said it was not. XXXX has continued to lie when XXXX contacted him on XX/XX/XXXX and tried to act like he didnt remember the account but the took responsibility for the error. His supervisor XXXX XXXX also did not make any attempt to contact me about my account after sending mutliple emails.
Product: Vehicle loan or lease

We were unaware of the selling of US Auto Sales to Westlake Portfolio. They have us pay 3 times the value of the car and won't honor previous contract agreement from US Auto Sales.
Product: Debt collection

I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).