23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018, US Bank issued me a letter titled " Notice of Right to Cure Default '' with terms as follows : pay total amount due of {$160.00} by XX/XX/2018 and " the cardmember agreement will be as though I was never late. '' On XX/XX/2018, as acceptance of this offer, I paid the requested balance of {$160.00}. I was informed to not make any payments on the account during the fraud investigation, which I did not request ( and they claim they have a written signed statement that I did ), and US Bank refused to provide me requested documentation of the fraud investigation ; they have still not fulfilled this request. Immediately following the fraud investigation, US Bank placed my account in default.

US Bank has failed to keep their end of the agreement regardless of my multiple calls and requests. They have not removed the previous late fees as stated in the agreement and in addition, have added two more additional late fees. 

Because the account was under fraud investigation for several months with my access blocked to the account, I was not allowed to make a payment for a few months. The agreement clearly stated that the account will be considered as having never been late. Therefore, based on their offer and my payment as acceptance of this offer, US Bank is under obligation to remove the previous late fees : XX/XX/XXXX {$26.00} ; XX/XX/XXXX {$37.00} ; XX/XX/XXXX {$33.00} ; and any and all associated interest on such balances. 

I also request that any and all reporting the credit reporting agencies be corrected as indicated in the letter and offer : the account was never late.
Product: Debt collection

Asked this company for a debt validation letter and they completely denied me a letter I recorded the call, I also asked the amount that they have the first guy XXXX told me {$4600.00} Then XXXX told me {$4600.00} But they are reporting on my credit report the amount of {$4600.00}
Product: Consumer Loan

After having XXXX XXXX leases in the past years and never being late on payments to them nor any other creditor either in my entire life, Lexus financial has reported me to the credit bureaus for 1 late payment over 30 days. 
They have stated that I did not pay the XXXX 2016 payment and that is totally untrue. 
After speaking with several of their representatives for hours in an effort to resolve the matter and explaining to them that the payment of {$290.00} was made thru their phone automated system ( as always ) on XXXX XXXX, they advised me that they WILL NOT remove the negative information from my credit reports and that they can not help me any further to please not call them anymore. 
They also advised me that they have been trying to contact me at a telephone number that does not exist and that is not a correct statement either, they have my phone number as well as my wife 's phone number in their file which I updated and verified with them back in XXXX 2016. 
Iam not late on my payments nor have I ever been late on my payment to Lexus nor any other creditor either.
Product: Mortgage

To whom it may concern : I have an FHA loan that was created XX/XX/2012 with XXXX XXXX XXXX. Few years later, it was bought by another mortgage company, XXXX XXXX, XXXX. It was then when I lost my job and worked with them on a loan modification. This brought my principal down, interest rate up, but allowed me to make lower payments, which I wanted at that time. Few years later, my loan was bought off again ( XXXX/XXXX XXXX XXXX  ) and only the lower amount was carried over and it had been the case ever since though today. 

I am now in the process of selling my home and purchasing a new one. Upon reviewing numbers from the Title Company, I see that there is a second Mortgage in the amount of $ XXXX. I tried reaching out to NOVAD CONSULTING via email many times the past month, but I keep getting automated/generated emails asking me to fill out a form and return it signed in PDF ... which I have already done. I also tried calling their 800 number, but hold times are over an hour and the few times I leave my phone on speaker while working, it always gets cut off. 

I am trying to get a hold of someone that can help me answer questions on my second mortgage, which I am only assuming came from from loan modification years ago. Having this balance show up during my home selling process is really inhabiting me from going through with the sale as it is a lot of money to not have any knowledge of during all these years. Had I known about this, I would have asked to make payments towards this balance past several years now that I am stable employment-wise. I understand that is my fault for not keeping that info in a safe place 8 years ago from the loan modification, however, this is the reason why I am trying to get a hold of someone that can help me and I can't seem to be able to do so. 

I just need some help and it's putting me in a serious situation. 

Thank you
Product: Credit card or prepaid card

Around XXXX XX/XX/XXXX time frame, i was issued two store credit cards at Rooms to Go and Value City Furniture stores through Synchrony Bank . I received mail notification dated XX/XX/XXXX that the bank was closing both of the accounts listed. The reason given was based off my credit report/ score.1 ) Too  many Revolving Accounts ( i have no new credit, the same account on my files was there in XXXX when they approved my accounts ), Not enough balance paid off ( My Value City Card {$2000.00} plus balance was paid in full within 12 months on a 36 months finance, there hasn't been any new charges since the initial purchase in XX/XX/XXXX ). To many bank cards with high balance ( I've had the same credit cards now that i had in XXXX when i was approved for the cards in the complaint ), Too many delinquent accounts ( some of the collections on my account is not mines and the credit card accounts with a discrepancy accounts showing closed have been on my credit report since XXXX when these a cards was approved ). Since I've had these cards I have never been late or delinquent on a payment, I have paid my account at least 15 days early each month unless i had paid the account in full in-which Value City has a XXXX  balance.Based on my conversation with their customer service rep is the evaluate customers every 90 days, if so why did they elect to close my account now when the country has been going through a pandemic over the pass three month although the world is going through this time, i have still manage to make on time payments and my credit score is better now than it was when Synchrony Bank done their previous evaluations. I feel that this adverse action was taken out of retaliation based on a dispute i submitted in XX/XX/XXXX of a purchase i made in XX/XX/XXXX where Value City Furniture ordered and delivered me the wrong items and when they refuse to make the corrections I contacted Synchrony Bank where they conducted an investigation and on XX/XX/XXXX issued me a letter crediting my account for the mistake that Value City made on my account. After the credit adjustments was made I received two letters dated XX/XX/XXXX stating both of these accounts was being closed by the bank. Most credit companies if they felt a credit risk and you have been at good standing with that institution a length of time they will lower credit limit verse act in a way to help destroy a customer credit..
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX*Balance Owed : {$49000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; Chapter XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX CO XXXX Balance Owed : {$300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

Resurgent is attempting to collect debt for XXXX and account is already Paid In Full.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries do not belong to me nor did I authorize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never submitted inquiries to XXXX, XXXX XXXX or XXXX  mailed 2 letters to credit agencies and these agencies and no response
Product: Debt collection

According to XXXX XXXXXXXX XXXX. It is illegal to report anything on my credit report without my permission. Please remove American Cycle Finance XXXX XXXX
Product: Student loan

I was contacted multiple times by a company ( Student Debt Consolidation Aid ) claiming to be the Department of Education to refinance my student loans with lower interest, payments, and forgiveness after a certain term.
Product: Mortgage

On or about XX/XX/2010, we applied for a conventional refinance of an existing loan with Wells Fargo and received a loan disclosure statement which contained the terms and conditions of the refinance loan. 
Within the required three-day rescission period, we sent a written notice of rescission to Wells Fargo by overnight mail, requesting to cancel the refinance loan. This notice of rescission was delivered to Wells Fargo as confirmed by the United States Postal Service and the postmaster. 
Wells Fargo failed to honor our rescission request within the required twenty-day period. 
Instead, Wells Fargo instructed us to continue making payments on what we believed was the original loan, pending Wells Fargos response to the rescission request. 
We complied with these instructions and made payments on the what we believed was the original loan for approximately two years.

During this time, we repeatedly contacted us Wells Fargo by phone and by mail, demanding a reply to the rescission request and an explanation of the status of the loan. We never received a response.

Upon advice of one of Wells Fargos mortgage specialists, we stopped making payments on the original loan, as a prerequisite for applying for a loan modification. 
Unbeknownst to us, the original loan had been extinguished by the new unapproved loan. This was not a conventional loan it was a modified loan. 
We agreed to a loan modification document with a trial payment plan, which required three monthly payments, but unbeknownst to us this process was not even possible because a modified loan could not be modified again so these trial payments were merely illegal debt collection tactics.

We made two payments under the trial plan but stopped making payments when Wells Fargo refused to provide any details of the new loan or confirm that Plaintiff qualified for a permanent modification.

In at least three instances Wells Fargo informed us through the XXXX Mail that we were never qualified for a loan modification because the conventional loan we thought we were getting was actually a XXXX  loan, ( therefore non convention and already considered a modified loan ). This was NEVER disclosed. 
Wells Fargo never recognized or acknowledged the rescission request or refunded any of the payments that we made on the new loan.

As a result of Wells Fargos actions and omissions, we have suffered actual damages, including but not limited to : negative impact on credit score ; physical health, emotional distress ; and attorney 's fees and costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a response letter from LEXISNEXIS/ACCURINT that stated that they are not required to provide reports to me of the personal information they have obtained through third party sources using my information. I have asked in written notice by mail several time in accordance with the law ( 15 U.S.C 6801 ) for LEXISNEXIS/ACCURINT to : 1. CEASE & DESIST collecting, selling and sharing my personal information and providing my information to third party affilliates.-LEXISNEXIS/ACCURINT refused 2. I have chosen to OPT-OUT of their information selling and sharing platform- LEXISNEXIS/ACCURINT refused 3. Provide me with a complete printed copy of their collection on my personal information-LEXISNEXIS/ACCURINT refused. 
As a consumer my rights in regards to the sharing and selling of my information continue to be violated by this company. I DO NOT CONSENT to the collection, selling, and sharing of my personal information by LEXISNEXIS/ACCURINT or any of its third party affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Originally contacted XXXXXXXX XXXX XXXX because they sent an account to Source Receivables stating that I owe {$440.00}. After speaking with XXXX XXXX  XXXX they stated the balance is only {$91.00} and since it is in collections I have to pay the remaining balance with the collection agency ( Source Receivables ). I  called Source Receivables and spoke with a manager by the name of XXXX whom asked me to email her bank statements and documentation from XXXX XXXX XXXX showing the payments that were made. The payments were made before the received the account. I also paid the {$91.00} ( confirmation # XXXX ). I emailed those documents and XXXX called me back stating that the account is indeed {$0.00} and she will send me documentation in a few minutes stating that the account balance is {$0.00}. I never received that email stating the account is paid in full w/ a balance of {$0.00} so I called twice on XX/XX/XXXX. The first time I called they stated that the account is {$0.00} and I should receive the email before XXXX. I have not received the email again so I called back the second time and they are stating that the account need to be {$0.00} in order to receive the email. I requested to speak to XXXX and they stated she is not available so I requested to speak to another manager. The rep. advised me that the the owner XXXX stated that " he will not take the call because the balance is owed '' and the rep then proceeded to disconnect the call. After calling back I was told " They are unaware of who the manager XXXX is and there is no one available to speak to me ''.
Product: Debt collection

I received a notice in the mail from PennCredit corporation stating that I owe them {$650.00}. 

They stated that the original debt was from the department of motor vehicles but they would not tell me which DMV or state. I explained to the collector that I have lived in XXXX since XX/XX/XXXX and I have no bills. 

I applied for a mortgage in XX/XX/XXXX for a rental property there was nothing in my credit report. 
I applied for a home mortgage in XX/XX/XXXX. My credit report was clear. I have purchased at least XXXX vehicles since XX/XX/XXXX.
Product: Debt collection

1- I had already submitted a complaint, as the collector has been harassing me for a debt that I do not owe.

2- The company- Credence- harassed me with repetitive phone calls in XXXX as well. Calls on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, twice on XX/XX/XXXX at XXXX and another right after that I answered and hung up after it was confirmed that it was Credence collections again, to which I had to block just to sleep through the night. They have again started calling me at early hours for the last two weeks. 
3- In my first complaint, I state that the debt they are trying to collect was a mistake confirmed by the company that sold them the debt. The company XXXX XXXX XXXX XXXX, lost a router in the mail during peak quarantine, to which they later found and confirmed they had found it. They still sent the amount for that router to collections and still havent resolved the issue. This is still the root issue. 
4- this is been going on for TWO years. When will this end? I am not at fault and I dont owe any debt.
Product: Credit card

I ensure all payments on this account are timely, never letting them go overdue. I'm not sure why there are late payment remarks on my accounts. Based on 15 USC 1666b, this billing error should be corrected.
Product: Credit card

A charge card offer was mailed to my home XXXX bonus points when charges and conditions were met from PNC. Card ending XXXX PNC Business Card XX/XX/XXXX I applied for credit card with offer cod XXXX Charge card received and I made all required purchases. XXXX in purchases in first three months. 

I called on XX/XX/XXXX XXXX told me points would be applied XX/XX/XXXX I called back on XX/XX/XXXX XXXX said no points not applied escalate to manager. 
Since that time I have been given run around and vague emails by XXXX XXXX and XXXX XXXX in their Customer Support Department. 

I am owed my XXXX bonus points from PNC Bank.
Product: Credit reporting or other personal consumer reports

I will never stop doing this as needed since I see that you are not taking action on my concerns. This is my refilling of complaint to XACTUS, LLC for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX. I have attached also the letter response from XACTUS, LLC that they are deleting or blocking these inquiries but I still these unauthorized inquiries reflecting in my credit reports and continue to damage my credit reputation and credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this