23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Page 1 of 3 AFFIDAVIT The State of XXXX XXXX of XXXX ) ) S.S. 
) I, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, Florida XXXX, in XXXX XXXX, Florida, MAKE OATH AND SAY THAT : XXXX. My name is XXXX XXXX XXXX. 
XXXX. My place of residence is XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 
XXXX. I was reading over my contract with Oportun. 
XXXX. While reading my contract, I noticed my interest rate was 30.65 % XXXX. XXXX  XXXX INTEREST AND USURY ; LENDING PRACTICES states : XXXX XXXX  contracts defined. 
( XXXX ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. XXXX. 
( XXXX ) As amended by XXXX  XXXX, Laws of Florida, XXXX XXXX, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to Affidavit Page 2 of 3 loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979. 
XXXX. XXXX  XXXX INTEREST AND USURY ; LENDING PRACTICES states clearly that my interest rate can not exceed XXXX XXXX XXXX. Oportun is in violation of XXXX  XXXX INTEREST AND USURY ; LENDING PRACTICES. 
XXXX. Just to let you know I have filed a compliant with the Attorney General XXXX XXXX and also sent her a copy of this affidavit and the contract. 
XXXX. I have also filed a complaint with the XXXX XXXX XXXX and sent them a copy of this affidavit and the contract. 
XXXX. I have also filed a compliant with the consumer financial protection bureau and sent them a copy of this affidavit and the contract. 
XXXX. Also the contract that was given to me was not in XXXX. 
XXXX. I do not know how to read or speak XXXX. 
13. 15 U.S. Code 2306 - Service contracts ; rules for full, clear and conspicuous disclosure of terms and conditions ; addition to or in lieu of written warranty The Commission may prescribe by rule the manner and form in which the terms and conditions of service contracts shall be fully, clearly, and conspicuously disclosed.

14. This contract that was not a clear and conspicuous contract.
Product: Checking or savings account

I made a transaction and the bank called albert processed the transaction and the challenged it as fraud to the merchant. Now the merchant came and told me about it yet the transaction is posted and still is posted on my end. They claim they took it upon them selves to report it as fraud without my consent and have people looking into the matter .. this institution is committing fraud.
Product: Credit reporting or other personal consumer reports

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I am exercising my right as a consumer and I demand that you immediately delete and remove the following information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family.
Product: Credit card or prepaid card

Upon using my XXXX/Commenity bank card, I was offered an interest free program if paid off before a certain amount of months. However, Commenity still charged me interest every month. 5 months later I contact commenity and was informed that they woud fix the error with the program that commenity entered me into after supplying them with the necessary documents to prove my claim. 9 months later they still have not fixed the error. They are refusing to give me what they promised. I had a customer service representative call and speak to me and a nasty manner saying things like "you can tell me the truth you don't have the money". I was told by a customer service representative "It doesn't matter what we say we were going to do, we are not honoring the no interest program for you." This is not fair. If I wasn't told my purchase would be interest free I wouldn't have used the card. Even though they stated they would fix the error, they don't feel like they have to follow through.
Product: Credit reporting or other personal consumer reports

I was utterly shocked to see inaccurate accounts pop up on my credit report this morning, and Im completely baffled as to why this happened. I do regular checks on my credit report, but this time, there were errors that appeared out of nowhere. I even tried refreshing my browser to see if it was a technical issue, but the wrong accounts didnt disappear. Because of this, Im asking that the documents Ive submitted be thoroughly checked so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My membership on experian site reports my credit score to  be XXXX ( in line with XXXX and XXXX who reports it to be XXXX and XXXX ). 
Experian reported my credit score to my bank ( XXXX XXXX ) as XXXX. 
The 2 figures are way apart. I have tried phone connection and on line disputing this issue with Experian in vain. Difficult to communicate efficiently with them.
Product: Debt collection

XXXX-17 I WAS CONTACTED BY A DEBT COLLECTOR FOR DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, XXXX REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT.I am citizen of the unites states of age, would like to make a complaint against operating collection agency XXXX XXXX XXXX # XXXX, who does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NJ XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX  Iowa XXXX Subject : Complaint against RMP Services LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against RMP Services LLC for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** RMP Services LLC has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that RMP Services LLC ceases such practices immediately.

4. **Failure to Provide Disclosures : ** RMP Services LLC has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by RMP Services LLC , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between RMP Services LLC and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of RMP Services LLC. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. 

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

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX insurance. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX insurance paid XXXX XXXX in full. I have already disputed the information with the company and the status just states at investigation open and nothing is ever done because they say they can't read the documents provided
Product: Student loan

I was a young personal looking to take my carrier into a different direction. After the mortgage industry crashed around 2003, I looked into an education at California XXXX XXXX in XXXX XXXX CA. I was told by admissions that I would leave the school with an education that would provide with exceptional income as a XXXX. No job assistance was provided by XXXX. All I ended up with was {$120000.00} bill to repay, destroyed credit, and divorced behind all of this madness.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX keeps calling as a debt collector Convergent Outside Debt Collector ( XXXX ). I have no debts in arrears. They have call multiple times each day as follows : XX/XX/XXXX @ XXXX XXXX and XXXX : XX/XX/XXXX @ XXXX XXXX ; XX/XX/XXXX @ XXXX XXXX and XXXX XXXX ; XX/XX/XXXX @ XXXX XXXX  ; XX/XX/XXXX @ XXXX XXXX and XXXX XXXX. These calls started on XX/XX/XXXX and are consistent. Nothing seems to stop the calls. 

Can you please assist me? Thank you. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Mortgage

On XX/XX/2021, a complaint was filed against Wells Fargo Mortgage with CFPB to recover a missing mortgage payment in the amount of {$3400.00}. The mortgage payment in question was made on XXXX XXXX, my checking account at XXXX XXXX  XXXX . 
An investigation conducted by a Wells Fargo Mortgage Case Specialist, Ms. XXXX XXXX on XXXX XXXX claims, the XXXX XXXX mortgage payment was returned to my checking account at XXXX XXXX XXXXXXXX on XXXX, and therefore, my claim against Wells Fargo Mortgage is now closed. 
When contacted XXXX  XXXX XXXX with Ms. XXXX finding, XXXX XXXXXXXX XXXX contradicted Ms. XXXX finding and found no evidence of a payment being returned to my account on XX/XX/2021. Also, my checking statement has no evidence of payment being returned on XX/XX/2021 as the Case Specialist claims. 
Furthermore, three different Wells Fargo Case Specialists have provided three different findings where the payment might be, but refused to contact XXXX XXXXXXXX XXXX to find the whereabouts of the returned payment. 
The latest finding by the Case XXXX, Ms. XXXX XXXX, is confusing and hard to follow. I have reached out to Ms. XXXX on several occasions and left three voice mail messages, to go over her findings, but no response from her to my messages. 
My request is, to have Wells Fargo Mortgage, contact XXXX XXXX XXXX  directly and find where about of my XXXX XXXX mortgage payment.
Product: Credit card

DISCOVER FIN SVCS LL ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DISCOVER FIN SVCS LL or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DISCOVER FIN SVCS LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX closed my account in the amount of {$490.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this account was ever disputed. that is a violation and this account need to be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with EXPERIAN, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been damaged by XXXX XXXX because their random audit cut my account value to the point where I downgraded my card because it was not worth the annual fee anymore My credit score now is XXXX points lower on Transunion and XXXX points below than normal due to the Actions of XXXX despite 19 years of experience and full service banking. 
I paid a debt that was not even actually due and have never been late yet all of my accounts were cut to the point that it is not worth using them just paying them off and reserving them for emergencies only rather than close them or just sue them for the damage they have done to me. 
I gave them supporting documents regarding how I make money and they refused to regard it. 
I am now submitting more paperwork than it took to secure the account in the first instance. My credit ranged from XXXX XXXX and I spoke with a supervisor there today who said that they would " do something '' to correct the damage to my credit. An hour later I received an email saying that my score dropped from ( XXXX ) Transunion, XXXX XXXX ) at XXXX... and I'm afraid to look at XXXX. 
I used XXXX XXXX  and credit and they damaged my credit rating, no reason completely random with no forewarning. 
I am writing this complaint because I spoke to a supervisor who led me to believe that they would '' do something " to ensure my credit rating goes back to where it was but I don't believe this because an hour later I get a TRANSUNION email saying there was a change to my score and Transunion statement notes a XXXX point drop. 
I am asking for rapid assistance as a means to avoid suing for the damages done to my credit rating to XXXX. 
Please help remedy this before I am forced to litigate or change my name to XXXX XXXX.
Product: Credit card or prepaid card

It was Around XXXX to XXXX on two capital one accounts. I have called numerous times and told them of my sister stealing my purse and using cards. I have provided them with information to resolve. She purchased gift cards to sale on streets for drugs and I am being held responsible for these charges. I have ask them begged to them cried to them. She had my driver license social card all in her possession. I have been paying these charges over 2 years with no help to clear this up. The first card {$4200.00} with a XXXX credit line she over charged the 2nd card XXXX limit maxed out. Please help me.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion of Inaccurate and Unverifiable Accounts TransUnion Violation of FCRA To Whom It May Concern, I am filing a formal complaint against TransUnion for its failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my previous disputes, TransUnion has failed to correct or delete the following inaccurate or unverifiable accounts, leaving them unresolved on my credit file : XXXXXXXX XXXX  ( Account # XXXX ) Opened XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX OF XXXX ( Account # XXXX ) Opened XX/XX/XXXX, Balance : {$18000.00} XXXX. XXXX XXXX ( Account # XXXX ) Opened XX/XX/XXXX, XXXX : {$1900.00} XXXX. XXXX XXXX ( Account # XXXX ) Opened XX/XX/XXXX, XXXX : {$6700.00} XXXX. XXXX XXXX ( Account # XXXX ) Opened XX/XX/XXXX, Balance : {$840.00} Under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA, TransUnion is legally required to delete any disputed information that can not be verified within the prescribed timeframe. Since TransUnion has failed to provide verification or conduct a reasonable reinvestigation, I am demanding the immediate deletion of these accounts from my credit report. 

Failure to comply with this demand will leave me no choice but to escalate this matter by seeking legal action and filing complaints with the my State Attorney Please provide me with written confirmation of the deletion of these accounts within 15 days of receiving this letter. If any of these accounts remain on my report, provide detailed documentation of their verification, including the method and sources used. 

Thank you for your immediate attention to this matter. I expect a timely response.