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

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

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

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Debt collection

In XX/XX/2017 a Cease and Desist was faxed to Portfolio Recovery Associates at their corporate office. They did receive it and within a 10 day period started calling and stating they did not receive it, This was not the truth. One Saturday around XXXX PM I received a call from a lady reading from script about attempt to collect a debt I told her your under a Cease and Desist. She hung up I decided to call back and make an arrangement to clear the debt and show good faith I spoke to a gentleman named XXXX and settled to accounts. I did XXXX posted dated ACH debits for XX/XX/XXXX and XX/XX/XXXX for XXXX. I did XXXX for XX/XX/XXXX and XXXX The XX/XX/XXXX has paid just waiting on XX/XX/XXXX to clear bank. I made it very clear to XXXX that this will not be reported to any credit reporting agency he assurd me we had until XX/XX/2017 to pay this with no negative reporting Toady I was informed by XXXX they reported it XX/XX/XXXX and my score dropped XXXX points. This is deceptive trade practices. I noticed this company has several complaints and lawsuits pending I need your help to resolve this issue.
Product: Debt collection

ProCollect listed an account on my credit report on XXXX. I disputed the account since XX/XX/XXXX, they first reported was not paid it was accurate which was incorrect the debt been was paid since XX/XX/XXXX. I spoken to someone from ProCollect stated once its paid the will remove it. I sent evidence of the paid for deletion letter from ProCollect and it was updated just paid in full instead of deletion XX/XX/XXXX. There are conflicting information as what ProCollect is telling XXXX  to what they sent me. I would like the collection to be removed from XXXX.
Product: Debt collection

To whom it may concern, I was contacted today, XXXX XXXX XXXX by a relative who had received an attempt to collect a medical debt allegedly owed by me. The relative provided me with the email they had received requesting money that I allegedly owed. The email stated that TSI, Transworld Systems Inc., located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was seeking to collect {$760.00} from me. The email was sent to my relative in violation of FDCPA as well as the CCPA. Please investigate this matter.
Product: Debt collection

There is a {$96.00} account listed on my credit file which is unknown, I have disputed and requested validation and nothing has ever been received. I don't know what else to do. Please help DEBT REC SOL-XXXX Balance : {$96.00}
Product: Mortgage

This complaint was submitted to CFPB previously and your reps locate dit within the system but it has not been processed for unknown reasons so I am trying to get something done online. My mortgage company has incorrectly determined my escrow payment amount and I have been overpaying this entire year of XXXX, that is why there is currently a surplus of over XXXX in my account, and will be more than that by the time they do another analysis in XXXX XXXX the company claims I had a shortage when the analysis was done but no shortage ever existed other than ones that had already been paid in XXXX and they made me pay them again, there was actually a surplus in the escrow account the exact same month they claimed a XXXX shortage existed and I have sent letters and ph calls to the company and they have refused to correct the payment. I am concerned they will do the same thing again next year and the surplus I will lose will be even larger than it was last year. I can not prove but believe the company is doing it on purpose to rip people off and get free interest on the funds they are forcing consumers to pay that they do not actually owe.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts from my credit report, as I have been a victim of a recent data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file. 
Fraudulent Accounts 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

Account is for XXXX XXXX-Account being reported incorrectly as potentially negative but its been paid and closed.Reporting should not reflect it as negative
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on loan balance/repossession
Product: Vehicle loan or lease

Ford credit has XXXX  against my application based on my credit report. 

It is unlawful to XXXX  against ANY applicant with respect to ANY aspect of a credit transaction. 

I am an applicant exercising my rights, under the Consumer Credit Protection Act, in good faith. 

It is discriminatory to ask for permission to look at my consumer report, only to make a biased decision based on whats on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by an unknown source without conset.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$7600.00}
Product: Mortgage

I asked to come out of forbearance on XX/XX/2021 and Flagstar bank did not process it. I continued to make my monthly payments on time and continued to call them to get it escalated to get this rectified but to no avail. After 3 months of constant calling them they finally got it done but they did not back date it to the date I requested it to be done. It now states that I came out of forbearance on XX/XX/XXXX which was incorrect. Now I can not refi on my mortgage and it is costing me upwards of XXXX in interest. They need to backdate my loan so I can refi.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt with Experian to solve this situation. They are reporting inaccurate late payments and incomplete credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated immediately XXXX XXXX XXXX respectfully request for the XXXX time to be provided proof of this alleged item, specifically proof of those late payments are in fact late. Falling that, ( they have already failed 2 times ) the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a correct credit profile to all creditors who have receives a copy within the last 9 month, or the last XXXX years for employment purposes., Additionally, please provide the name, address and telephone number of each credit grantor or other subscriber, Under Federal Law, you have ( XXXX ) days to complete your re-investigation.be advise that the description of the procedure used determine the accuracy and completeness of the information is thereby requested as well, be provided within ( XXXX ) days of the completion of your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the account from XXXX XXXX Acct # XXXX, XXXX, XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my report.
Product: Debt collection

Someone hacked into my email and deposited funds into my personal account that was closed. When I was aware of the aware I quickly notified them to cancel and take their money back. They claim that they dont have their money and are contacting me saying I owe close to XXXX. This is a fraudulent payday loan and I want this debt canceled and contact seized.
Product: Checking or savings account

XX/XX/2022 my husband received an email to his XXXX from XXXX saying it was from XXXX and that we were charged {$450.00}. We called the number as I had canceled XXXX a XXXX or XXXX before. Stupidly we did what they said and my husband and I were arguing as my instincts were we werent talking to XXXX. We later find out it was a scam through XXXX and because that is a 3rd party to Bank of America , Bank of America says they did not do anything wrong and closed our fraud complaint. 

Its been hours an days of phone calls still dealing with this. He got XXXX more emails this week, XXXX from XXXX and XXXX from XXXX, and were actually also XXXX accounts. 

We are retired and dont have extra money and lost {$3500.00} total. It was ID theft so that was reported as well as a police report and the FTC. Is there anything else we can possibly do, or who investigates these creeps. Im out of my mind in tears and stressed over all of this. I agree we were stupid, but something needs to be done, please Help! The Bank of America letter and claim no. Are the last upload. 

Also we called Bank of America right away and they recommended no need to close account. We met with them XXXX days later and the gal filed a report as the person should have advised us to freeze our account which we did. We have reorganized all our finances. Yes some good things come out of it, but it is very discouraging theyre targeting older people especially. Its infuriating. It was our old checking account ending in XXXX that was hacked. 

Thank you for your help if there is any possible. XXXX and XXXX XXXX Names on our Bank of America Account XXXX XXXX XXXX XXXX XXXX XXXX Any questions please call me XXXX, XXXX XXXX
Product: Mortgage

XXXX acquired mortgage from beneficial HSBC group XXXX  for 10 years. 20 years later I've paid nothing but interest to the tune of XXXX and am poised to pay another XXXX in the next 10 years and then an unknown deferred interest amount which will allow them to foreclose on my property. In XXXX I received a notice of a class action lawsuit for discriminatory mortgage actions and I never heard about the settlement of that. Every 10 years they change account numbers and collection companies. I would like for this to get settled because I have paid them more than the property is worth and more than I owe.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 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

My name has never been XXXX XXXX. 
It has only been XXXX XXXX, and now XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting an account on my credit file despite receiving a letter from me requesting the removal of the account and providing documentation several times. The account is fraudulent, and they have not removed it as requested. They continue to report incorrect information regarding the account balance. This violates my rights, and I am concerned about the impact on my credit score.
Product: Credit reporting or other personal consumer reports

For the last 6-7 months Transunion is reporting inaccurate information on my credit report. The following information is inaccurate and does not belong to me : Hard inquiry made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony Financial is the creditor that my XXXX account is with. They were paid off in XXXX from my XXXX XXXX account. Please see attached bank statement showing debit. I spoke to my bank who says it was debited and yet Synchrony financial is stating they did not receive the payment and that I still owe money. I paid the account off before the interest hit and now they are not reporting the correct paid off balance. This has hurt my credit as well as my husbands who was a co-borrower. My husband is a business owner and relies on his credit to get business loans, we need this corrected now. I have talked to synchrony many time and they have given me the run around for over 4 months.
Product: Credit reporting

I previously held a revolving account with XXXX. In XXXX of 2013 the account was settled for a lesser amount, paid off, and then closed. This company is still reporting late payments although the account was paid and closed. It is not possible to be late on an account that does not even exist. I have filed four disputes to date. Every dispute finds that the reporting is inaccurate and the issue is fixed, until the following month. The company then reports that I am late as if the dispute and resolution never occurred. When I call the company directly I get continuously transferred and am forced to leave a message. I have never received a return call or any attempt to fix the situation directly from the company. This is harming my credit and effecting my chance to purchase a home.
Product: Vehicle loan or lease

In XX/XX/XXXX, the vehicle was totaled in an accident. The Insurance ( XXXX ) paid the vehicle off. Credit Acceptance send me a letter dated XXXX indicating thank you for the final payment on your contract using credit acceptance. The account has been PAID IN FULL and their lien has been released. Also a copy of the title from XXXX  with signature and notary seal dated XXXX was provided releasing the lien. 

In XX/XX/XXXX, I received a notice that credit acceptance was filing for garnishment against me for an unpaid balance of XXXX with fees with XXXX XXXX Employer. Then again in XX/XX/XXXX revised again to my new employer XXXX for an increased amount XXXX. I tried to get this stopped and they refused to help me. My checks have been garnished causing me hardship and I can not get anyone to help me get them stopped. I spoke to a lawyer ; he indicated you have a paid in full letter and a title release. This must have crossed in the mail when insurance was paying off the vehicle. 

I am aware of the current lawsuit against Credit Acceptance, and I feel that this is predatory activity against me, and I will never be able to resolve this issue.
Product: Credit card

I purchased an item on XX/XX/XXXX for XXXX with 0 % interest for 12 months from XXXX XXXX XXXX on a Wells Fargo Credit Card provided by the retailer. I immediately set up automatic payments of {$240.00} per month to pay it off at the end of those 12 months. 

In XXXX of XXXX, I purchased an extended warranty for {$430.00} subject to a NEW 12 month 0 % XXXX period. 

I did not change my monthly payment amount as I would finish the initial 12 month period and then pay off the remaining balance that was not subject to interest. 

Unbeknownst to me and not indicated in my Wells Fargo statement or in the credit card agreement, Wells Fargo began allocating my payment between the XXXX amounts. Because of this, at the end of the original 12 month period, I was charged over XXXX dollars in interest. 

Neither of these promotional balances required a minimum payment, so there was no reason for these to be allocated except for Wells Fargo to charge me predatory interest. 

Upon submitting my complaint, no person at Wells Fargo can show me either in my statement or in the credit card agreement, both attached, where it indicates my payments will be allocated in this way. This is material fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, thank you for any help that yo u may be  able to provide. I have called in to  XXXX  and have asked that info be updated properly. I even spoke to a yound lady that sent me a letter stating that an account was indeed paid in full and I sent to  XXXX ,   XXXX   and Equifax and my reports have not been updated.   I called into   XXXX   and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, I sent in proof and customer service would not help and take care of the negative inquiries reporting to my credit report.       Please help, I am not getting anywhere.     The inquiries are listed as :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Payday loan, title loan, or personal loan

*** Sub-category : approved for a loan but did not receive the money*** is not the correct category for this complaint. CFPBs complaint form auto-populates potential issues not allowing consumers to select " Other ''. This complaint is in an " Other '' category. 

This company 's location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO is one of two locations this complaint pertains to. The second location, XXXX XXXX XXXX XXXX, is the second location. 

This complaint pertains to the following : 1. Stores not using the current, actual gold price when estimating value of gold items; misleading consumers in the valuation of their gold. 

2. Pawn brokers not researching actual values of items and instead, making subjective assessments based upon their personal likes, or dislikes, of their consumers- enabling a culture of XXXX and XXXX discrimination in pawn loan services. 

3. Pawn brokers misplacing, or stealing, customer 's property. Collateral used toward cash loans at both locations has disappeared. 

On XX/XX/23 I came to the XXXX XXXX XXXX store in XXXX XXXX to get a loan on collateral that has been used previously. I have a 100 % redemption rate which means I never intend to leave any collateral at this store ; always return and pay off my loans and interest completely. Staff has commented previously that they've never seen any customer get so much money in loans that has a 100 % redemption rate meaning, I'm honest. 

Today, XXXX, a bad pawnbroker with a track record of errors and omissions, was unfortunately the individual who approached me for help. He said " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' and then continued to make other XXXX derogatory and discriminatory comments toward me. 

Despite the value of the collateral presented, past loan on the item, and my reiterating my interest in a loan, not a sale, XXXX commented that while I intended to get a loan and pay it off to get my collateral back, that was not his plan for my item. He literally said to me " You may think you're going to come back to get your item but that's YOUR plan .... '' This is an interesting comment especially considering prior audit findings of missing items at this store. 

XXXX would not provide me with a loan. He continued to reiterated that he wanted to buy item, not give me a loan for it. 

Both this store and the XXXX XXXX location has pawn brokers who are misleading consumers in providing a fair valuation of fine jewelry based upon current gold prices. The stores do not update their daily gold price and I've witnessed several defective, out of date gold testing solution kits and diamond testers that do not work. What this means is that consumers are mislead about the actual gold content and gemstone status ie : diamond vs. CZ when these stores make an offer- always undercutting actual fair pawn value per pawn industry standards.
Product: Debt collection

Claim that we owe an extra {$210.00} on freight for a shipment from XXXX XXXX dated XXXX. 

On XX/XX/XXXX we contacted XXXX XXXXXXXX. Their last shipment to XXXX was XX/XX/XXXX which corresponds to our records and we have no outstanding balance with them. 

On XX/XX/XXXX we asked the collection agency Biehl & Biehl for a copy of the original invoice. They sent us an invoice from XXXX freight on a shipment from XXXX  dated XX/XX/XXXX. 

On XX/XX/XXXX we contacted XXXX. They show no write-off or past due amounts on our account going back to XXXX. 

XXXX Biehl & Biehl. Many complaints about this company regarding bogus XXXX shipping charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts/ XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX bank XXXX/XXXX/XXXX, Fraudulent inquiries, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX r & XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, tXXXX XXXX XXXX XXXX XXXX XXXX,
Product: Mortgage

I had a foreclosure on a home XX/XX/XXXX and I walked away from the home. The home was sold XX/XX/XXXX. I purchased a new home XX/XX/XXXX and I have a judgement on my new home that I just purchased. The judgement is from US Bank National Association as Trustee Pooling # XXXX Dist # XXXX. Iwould like to know how can they come back years later and do this.