23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I closed on my manufactured home with Tammac Holdings. As of today, XX/XX/XXXX the title for my home has still not been transferred to my name. 

During closing there was no communication in regards to what I was supposed to do with my down money. Me, my realtor, and the sellers realtor had reached out via email and calls before I finally got an answer about a question we had during our close in regards to paperwork. I then found out 2 days after signing title and loan paperwork I found out my down money should have gone to the seller, I was told that from my REALTOR, who found out from the sellers realtor when they realized they had not received the full pay from Tammac Holdings. 

On XX/XX/XXXX I received a call from the leasing office at our mobile home park stating that the auditors office here in Ohio had reached out because the title to my home had not been transferred. I called the auditors office and then immediately reached out to not only my loan officer via email but I called Tammac and left 2 voicemails then emailed the customer service department with no response. I finally received an emailed response on XX/XX/XXXX stating my issue had been escalated. After a few other email communications ( that I do still have for evidence ) my issue is still not resolved! I even filled out new title paperwork and not only emailed it on XX/XX/XXXX I also mailed out the originals on XX/XX/XXXX as well. 

I emailed again on XX/XX/XXXX with no response and then again on XX/XX/XXXX. After another no response I emailed on XX/XX/XXXX and finally received a response on XX/XX/XXXX telling my application would go out on Monday. After a month here we are and my title is still not in my name! 

So for 9 months I have been paying a mortgage on a home that is NOT in my name, I am not even sure if my property taxes that are/were built into my loan have been paid. I am furious with the lack of communication and responses I have been dealing with. 

The last communication I received from the auditors office had the sellers name on it for a bill and not my name as the new owner.
Product: Debt collection

On XX/XX/XXXX at XXXX EST I received a call from D2 Management Collections Firm from number XXXX the woman stated she was calling about a debt from XXXX. I asked what date and she became audibly annoyed and said XXXX. I disputed the validity and asked what specific date and she said XXXX, XXXX, XXXX and then she said " SIR, we've talked to you about this before '' I said, " When did you talk to me? '' Concerned that my identity had been stolen because I've never spoken to this company and she said " You just need to stop asking questions and PAY YOUR DEBT! '' then she hung up on me. 
Confused by the treatment I called back at XXXX and was hung up on. I called back at XXXX and was hung up on. I called back at XXXX and asked the person who answered the phone to please not hang up on me that I need to speak with a manager. I was transferred to XXXX and I explained what happened, he said he would look into it. I asked that he pull the recordings so they are available to the CFPB because there was absolutely no warrant for the way I was treated and abused. Additionally, she legally could not demand I pay after I disputed the debt. The company 's other employees perpetuated the harassment by hanging up on me. It was so shocking and confusing WHY I was being treated this way for asking questions.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 EXPERIAN 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 bogus inquiries. 


These are the inquiries that are fraudulent on my credit report : XXXX XXXX XXXX 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/XX/XXXX A copy of an FTC report listing the INQUIRIES opened in my name is enclosed. My consumer FICO credit report now contains a fake address as a result of these INQUIRIES. A copy of your consumer FICO credit report, which includes the aforementioned bogus INQUIRIES. The aforementioned INQUIRIES, as reported, are unfamiliar to me. The INQUIRIES listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX as official documentation from the US Federal Trade Commission demonstrating that the Inquiries listed above are all the product of fraud and identity theft.
Product: Checking or savings account

In mid XX/XX/XXXX I have scheduled a large payment through Capitol One bill pay to my XXXX Credit Card. The payment was scheduled to be processed on XX/XX/XXXX and delivered on XX/XX/XXXX, the due date. However the payment was 1 day late resulting in a {$29.00} late fee put on me by the credit card. 

On XX/XX/XXXX I have received the following message : XXXX XXXX  XXXX XXXX Account ending in : XXXX Payment Reminder Dear XXXX, You've missed the payment on your AAdvantage Aviator XXXX XXXX XXXX XXXX that was due on XX/XX/XXXX. Take action today. 

Its easy to make your payment online. 

Visit our website, to see your balance and set up the payment. You can also sign up for autopay to make it easy to keep everything up-to-date. 

If you have already made the payment, thank you. 





And on XX/XX/XXXX I have received the following note : XXXX XXXX XXXX Featured by XXXX Pay 0 % interest until XXXX with these credit cards Account Alert : Your statement is available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX To : XXXX Sat, XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account ending in : XXXX Your statement is available Hi XXXX, Your statement for the XXXX XXXX XXXX XXXX XXXX XXXX is now available online. 

Your Statement Summary Statement Balance : {$29.00} Minimum Payment Amount : {$29.00} Payment Date : XX/XX/XXXX by XXXXXXXX XXXX ET On XX/XX/XXXX I contacted the Capital One customer service line which indicated the wait to be XXXX min. However the wait was then extended to XXXX min and after getting to the agent the call was hang up on. 
Subsequently I called again after about XXXX min I got to the CSR based in the overseas call center who then informed me that although I indicated the bill pay issue on the Capital One phone menu he's not in the department that is able to handle this issue and he will have to transfer me again to the dept can help me. I refused stating I do not have an infinite amount of time being transferred from XXXX place to another and requested to speak with the supervisor. I was told that I will be transferred and then after about XXXX min the call was disconnected. 

It is obvious that Capital One is unwilling and unable to provide basic customer service through its overseas based CSR centers which are most likely outsourced to the third party vendors. It is also very telling that the Capital One XXXX XXXX system is unreliable and Capital One doesn't seem interested in addressing the issues that harm consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 tried to get the free annual credit report from all XXXX agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : XXXX : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

Experian : I had to request it via contact XXXX : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

thanks, XXXX XXXX
Product: Debt collection

today i logged into my credit file to see KOHLS/CAPONE is reporting a debt of {$420.00} to credit reporting bureaus, i have never done business, signed any contract or documents with KOHLS/CAPONE or anyone they are collecting for, I do not wish to contract or do business with KOHLS/CAPONE.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XXXX XXXX I was approved for a XXXX loan They also opened up a checking account t with there deposit of {$5.00} I decided that I don't need the loan. 
I decided not to cash it and let it void. 
Well on On XX/XX/2021 I received a email stating I owed XXXX for late fees. So I called and ask why? Sense I have not cashed the XXXX dollar check I was told by there team staff I am to cash it send it back to them and all charges will be dropped. Well I did cash it on XX/XX/2021 it took till XX/XX/2021 for check to clear. They deposited 2 small amounts of change into my bank account on XX/XX/2021. then I was able to deposit there check of XXXX to them Into the account set up by them for the loan.. I then was told I owe XXXX for interest fees after. 
I was then asked for XXXX cents to close the account.. I believe I did not owe any money to them. sense I didn't cash the loan check.. 
Please this made my bank account XX/XX/XXXXtill next month.. can you help me understand this n how they can do this.. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XX/XX/2022, In accordance with the fair credit reporting act, this creditor Affirm Inc has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

XXXX had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. 
I have inquiries from XXXX XXXX XXXX XXXX. Dates XXXX, I have XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One Bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX. XXXX XX/XX/XXXX
Product: Debt collection

Collection agency failed to validate debt. that's not mines. attempted to contact many times with no response
Product: Credit card or prepaid card

My complaint is about my Home Depot Credit Card Account. I have had this account for approximately nine years. I have never been one minute late on my payments. I have made several large purchases and taken advantage of zero percent financing. My line of credit as of XX/XX/2019 was {$3000.00}, which I consider adequate. My payment due date is on the XXXX of each month. I make my payments online on the due date, always before Midnight. On XX/XX/2019, at approximately XXXX XXXX, I logged on to my account to make my payment. I noticed a discrepancy in my balance which turned out to be a late fee posted to my account on XX/XX/2019. Note that the date had not changed. I submitted my payment and then immediately called customer service to question the late fee. I was assured that my payment was indeed NOT late there was a problem with the website and the late fee would be removed. Approximately two weeks later, I received a letter stating that my credit line was reduced from {$3000.00} to XXXX due to a recent delinquency. The next day I received an account statement showing a past due amount and a late fee. 
When I complained to customer service my complaint fell on deaf ears. I went online, logged in and found that the late fee was removed but my credit line was not restored. I do not think I have been treated fairly because the alleged " delinquency '' was caused by their error and was not a result of my payment being late.I am curious as to how many other customers were affected and did not notice the error. I have two local attorneys researching this matter in order to prepare a class action lawsuit or an individual lawsuit for myself.
Product: Credit reporting or other personal consumer reports

XXXX NelNet : XXXX It has come to my attention that negative items are being reported on my credit to XXXX, XXXX, XXXX, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX - Opened XX/XX/XXXX - Shows 1 late payment for XX/XX/XXXX on all three credit bureaus - Dispute is regarding inaccurate information being reported for this tradeline. For each report, they each report a different closed date. XXXX confirms it was closed XX/XX/XXXX, when TransUnion shows XX/XX/XXXX. They were each updated on different dates. XXXX shows XX/XX/XXXX. TransUnion XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX and TransUnion report the same last payment date as XX/XX/XXXX when XXXX shows XX/XX/XXXX. TransUnion reports the worst payment date as 30-59 days when XXXX shows XXXX XXXX. Inaccurate information request that the account be deleted but I request for the accounts to be updated and the late payment for XX/XX/XXXX as paid. I have never been late for this account. It also reports as a credit card, when it was in fact, a secured credit card.
Product: Payday loan, title loan, or personal loan

A few weeks ago I talked to rapid cash/speedy cash to let them know that I had XXXX recently and wanted to cut off my automatic draft so that I could stop payments from coming out my bank account automatically. They agreed, and took it off. Just to be safe I called my bank and ordered a stop payment on my account as wel which I received in the mail confirming it. I went into rapid cash and said that I have to pay for my rent and a few other things after the XXXX and was a little behind and that I wanted to try set up payments for a smaller amount until I could afford my regular amount. They said I would have to contact customer service to pay a smaller amount but that the automatic drafts is off. A few days ago I called customer service and I told them that I could not afford my regular payments at the moment and that I wanted to see if I could pay something smaller. They agreed that I would only have to pay {$50.00} every 2 weeks or less until I was able to pay more. They said I could even pay {$25.00} each account. They said that I could either call in on Friday and make the payment with my bank card or I could go into the store. I opted to go into the store to make my payment on the due date. They said they could not stop the Collections calls since I 'm not paying the minimum amount but they could limit it to every 3-4 days. Today XXXX XXXX before I went to go make my payment agreed upon I checked my bank account and I noticed they withdrew {$300.00} something out of my account even though they said my automatic drafts were turned off and my bank stopped the automatic drafts. When I called my actually bank they said that the original time rapid cash tried to draft it it did not go through. So they changed their numbers around to try to draft the Money out of my account until it worked. My bank thankfully stoppped it after it started processing.. When I called rapid cash/speedy cash customer service department they said I never stopped the automatic draft because I would have to call 3 separate departments to do it, which they never told me up front. They said it was off. Also, my bank did a stop payment on drafts from them and they still changed there numbers around to draft it. I want to make payments in smaller increments and pay it off but I do not know what to believe anymore, because they are doing something different then what we agreed upon. Even though I am setting up arrangments with them to pay over the phone they are still charging my account.
Product: Debt or credit management

LEXINGTON LAW Purchased the credit billing program to improve my XXXX XXXX. Used service for a few Months and saw no change to my score. XXXX law billed my debit card XXXX times in the month of XXXX. Called to cancel service and request XXXX of those payments to be returned. Instead Lexington law returned XXXX of the payments and recharged the XXXX payments days later. Also still charged the payment for XXXX after canceled service in XXXX. I contacted Lexington law via chat which is the only way to now communicate with them and they stated if I dont pay them now XXXX my account will be sent to collections. Now I have a new collection from a company I paid to help improve my credit.. This Company is a Scam that take money for false practices..It will not repair any credit but harm it!!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a report that I received a speeding TICKET in Illinois on XX/XX/2016. I wasnt anywhere near Illinois in XX/XX/2016. I was down south when it states that this ticket was issued. I have no idea of how this ended up on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter concerns the Consumer File or Report of XXXX XXXX XXXX ( of XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX TX XXXXXXXX ) found with XXXX and no other matter. 
The following dates are instances where WELLS FARGO BANK N.A. & its subsidiaries or affiliates accessed or otherwise requested or purchased the consumer report without permissible purposes or written consent from the consumer. 
Pursuant to 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, the following transactions were not authorized by the consumer via written or other consent. 
XXXX WELLS FARGO BANK Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX IA XXXX ( XXXX ) XXXX WELLS FARGO XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX AZ XXXX ( XXXX ) XXXX WELLS FARGO BANK XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX NC XXXX XXXX XXXX ) XXXX WF CRD SVC Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX IA XXXX XXXX XXXX ) XXXXXXXX WF CRD SVC Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX IA XXXX XXXX XXXX ) XXXX WF CRD SVC Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX NC XXXX XXXX XXXX ) XXXX