23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I will never stop until we drain this filthy face of corruption from the legal system of PA. They lie to you like the worst criminal do and this is no surprise Please see the clear instruction given to you by the office of USA Attorney General and read the garbage those criminals put in your site Is time to drain the corrupted face os PA legal system I am sure that for this {$100000.00} value property XXXX, XXXX XXXX XXXX will pay only on legal fees {>= $1,000,000} minimum. I will not mention the damages and so on that will be drastic high. Also I must stat that this will start a me too movement against those criminal organization specialize in fraud ad criminal activity. I pray that in the Criminal Court she will use those Phelan Hallinan pettifogger lawyers. A very interesting fact of the criminal activity of this deceiving criminal and looting exert Law Firm Phelan Hallinan when they organized the looting of my property they sent me a letter informing me that they withdraw their legal case against me, but they never mention until XX/XX/2018 they organized this crime with the direct help for the local Sheriff Office the same one that helped XXXX foreclosed in a top secret close door days after they inform me that the foreclosure was stope by them. What is interesting about their letter is the fact that they conformed in writing that the looter XXXX XXXX never contacted me because she did not have my address. Those criminal not only deserve to be out of business but also put in prison for life together with XXXX, XXXX, XXXX and XXXX XXXX. To lie in such shameless way is as criminal as the looting act done intentionally but I hope they understand what they started. I am not like those lairs but I will bring them in criminal courts for many years from now on : XXXX, XXXX, XXXX and XXXX XXXX especially. This clearly indicate to what level this filthy XXXX Firms will go lying without any shame. How can you send a letter exactly when they organize the looting and never mention a word about it and after the looting was executed they sent me a letter in XX/XX/2018 to a USA Gov. Agency lying without any shame that they did not have my address? The letter of this pettifogger assistant XXXX XXXX XXXX will have massive consequences in a criminal court soon. Those criminal Law Firms had been find guilty in the Superior Court as well as anther courts for even lying to their clients and triple charge them only because they consider themselves above law ( but not for long ). They use a friend or a relative looter XXXX XXXX and she must use this letter in order to understand her criminal behavior ( as the case is in the Court even now ) and the consequences. This was possible because pf the strict order of the Greek abuser running ( for now ) XXXX XXXX, XXXX and the people from XXXX that was the only company in this planet that knew I will be in XXXX to prove their forge documents XXXX set me a letter stating that they are an international company but I guarantee not for long. Once we go to Criminal Courts there will never ever be a settlement I will guarantee you.
Product: Credit card or prepaid card

In mid-XXXX  2019  I called Barclaycard to request a replacement card because the chip was malfunctioning. On XX/XX/ 2019, I still had not received my new card, I received two e-mails from Barclaycard. The first stated that my new card had been activated and the second stated that my PIN number had been changed. As soon as I read these e-mails I logged onto my account and I saw a charge for {$900.00} that I did not make listed under temporary authorizations. I immediately contacted Barclaycard and informed them that I never received the credit card and therefore did not activate it or change the PIN number. They verified the last known purchase I had made, which was for XXXX XXXX the day before. They asked me if I made a purchase at a XXXX gas station and I replied no. They stated that they would remove the charges, open a fraud investigation on the charges, and issue a new card. This time the card would be mailed via XXXX  with tracking. On XX/XX/ 2019 I received a voice message from the fraud department at Barclaycard stating they had some additional questions regarding my claim. I called back and received a message stating the department was closed on Sundays. I left a message and asked for a call back. On XX/XX/ 2019 I called Barclaycard again because they had not returned my phone call. I was told by the agent that I will be receiving a letter dated XX/XX//2019 indicating my claim was denied. I was told that my claim was denied because their system showed that the credit card was activated from my phone number on file and that the charges would be placed back on my account. I informed the agent that this was impossible because the phone number associated with my account is my cell phone and I had my phone in my possession the entire day, spending my afternoon/evening at my daughters dance recital. The agent informed me that the charge for {$900.00} was a cash withdrawal from a XXXX  XXXX XXXX that was located 7 miles from my home. She suggested that I file a police report to see if surveillance footage could be optioned to aid me in my investigation. I asked her how could I appeal their decision and if I was able to obtain such footage, how could I send that to them so they would take the charges off of my account. The agent informed me that I would have to find resolution for these charges outside of the credit card company and no appeals could be made. I asked her how I was supposed to find resolution and get my money back and she suggested maybe I would recognize the person who used the card and then I could file a civil law suit but that there was nothing else the credit card company would do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Product: Debt collection

EXPERIAN AND XXXX XXXX XXXX violated my consumer rights under code 15 U.S.C.1681c2. They allowed a debt to be furnished on my consumer report that I didn't give permission to, nor do I have any associations or contracts with this debt collector. XXXX XXXX XXXX ACCT # XXXX ... ... .IN THE AMOUNT OF {$810.00}. WHICH IS ALSO A MAJOR VIOLATION OF MY RIGHTS UNDER THE HIPPA LAW! MY INFORMATION ISNT TO BE SOLD WITHOUT MY PERMISSION. I WILL PURSUE THE FULL LIMITS OF PUNISHMENT THAT LAW WILL ALLOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX is a charge off account that is reporting inaccurate on my credit report all three Bureau are reporting different information different balance owe, different closed, different payments history if this is the same account why is the information different from my understanding its the Bureau job to report accurate information
Product: Mortgage

DATE : XX/XX/XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX SPS Loan Number # XXXX ( Page numbers are located at bottom right side of each page ) To whom it may concern, SPS has been adding Flood Insurance to my property since XXXX. In which my monthly payments went up from {$720.00} To {$750.00}, and then in XXXX went up again from {$750.00} to {$780.00}. Therefore, SPS has overcharged me {$350.00} from XXXX. Then in XXXX they did it again and over charged me for the total of XXXX years {$1300.00}. Simply because SPS continues to add Flood Insurance onto my property Knowing that I live in a HOA in which they cover for Flood Insurance. SPS states that the documentation they received did not have the correct address. Which is my fault because it does. I have the paperwork to provide it. 

SPS on XX/XX/XXXX. State that they have removed the Flood Insurance and credit my ESCROW ACCOUNT {$1000.00}. Meaning that at no time was my Escrow Account ever short. If it was ever short, it was caused by SPS adding the Flood Insurance. 

SPS states that the payment of {$780.00} did not include the Flood Insurance. That is not true. Please go to ( Page 1 ). As you can see SPS adjusted the Monthly Payments in XXXX from {$780.00} to {$740.00}. Meaning that the extra cost was due to the Flood Insurance. You can see that the Flood Insurance was added by going to the following ( Pages 8, 13, 14 and 15 ). 

If you look at ( Page 14 and 15 ). You will see that I have included monthly statements for XX/XX/XXXX. Please go to line XX/XX/XXXX there you will see : Flood Insurance in the amount of {$150.00}. Same goes for the statement in XX/XX/XXXX, line item XX/XX/XXXX. 

I have sent nothing but hard facts to SPS showing that the increased monthly payments were due to the adding of the Flood Insurance. But SPS has the gull to state that is not correct. I just can not understand how a mortgage company such as SPS can state that the monthly payments didnt include the Flood Insurance with the amount of PAPERWORK I have submitted. Please see ( Pages 1-12 ) which shows the breakdown The Principal and Interest is {$560.00}. Therefore, by adding {$560.00} + XXXX {$720.00} per month for taxes from XXXX. Same thing goes for XXXX {$560.00} + $ XXXX {$720.00} per month. 

According to SPS the Flood Insurance was not added then why was the payment at {$780.00} instead of {$720.00} for XXXX??
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative information that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 7 ), any financial institution that furnishes negative information to a consumer reporting agency must provide notice to the consumer either before or within 30 days of furnishing such negative information. As per the FCRA requirements : ( A ) Notice to consumer required : ( i ) In general - If any financial institution that extends credit and regularly furnishes information to a consumer reporting agency furnishes negative information regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( ii ) Notice effective for subsequent submissions - After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a new credit card alert on my XXXX XXXX account, as I looked into this further, it is a credit card from a company called XXXX. I then a few weeks later received mail at my home to which this was a statement for this card. When I called the company and stated that my last name was NOT what was showing on this account card, they proceeded to argue with me. Then they told me to report it to the fraud department, identity theft.
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Bank account or service

I was in California for a summer program, and I got my account closed because I did not reply a letter with some security questions. 
But I check with the bank and this letter was returned to the bank, once I was not in XXXX, so I never had an opportunity to reply it. 
I called the bank and I ask to receive this letter and reopen my account on my new address in California, but the letter did not arrived. 
The only way I could get my money back, was to returning to XXXX. But I was studying in California so I could not come back. 
I am a XXXX student from XXXX, XXXX is in a huge crises and my family could not send me more money at that time. 
I got a lot of problems due this closed account, so I had to borrow money to stay there and finish my XXXX XXXX. 
Also I had to cancel a planned trip with my friends, it was very inconvenient and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/2021, I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report regarding the XX/XX/XXXX account ( XXXX ), as reflected in the attached screenshot. While the Payment Status is marked as Current across all bureaus, the 7-Year Payment History contains erroneous entries showing late payments of 30 and 60 days. These inaccuracies require immediate correction, as the payments were made on time. Given the discrepancies between the payment history and the payment status, it is evident that the reported late payments are incorrect and must be rectified to reflect a consistent Current status. This inconsistency raises significant concerns about the reliability of the data.
Product: Debt collection

I have been in contact with this company on multiple occasions in regards to listed accounts being reported to the credit bureaus under my name. Acct #  XXXX ,  XXXX ,  XXXX , and  XXXX . This company claims i owe them money for these unpaid accounts, but has not been able to verify that these accounts belong to me. I have asked for validation and i have received a billing summary. As per the FCRA article 609 section B, validation must include an original signature from myself stating that i am the owner of these accounts. A billing summary is not verification and does not include my original signature. This company has claimed that they have verified my address, however i am not nor have i been affiliated with the address listed on these accounts and i have called all  XXXX  credit bureaus to confirm this information. I have been a victim of identity theft and all  XXXX  credit bureaus has a copy of the report on file. I am requesting that this company remove these accounts from my credit file or prove to me that these are my accounts. I have never been under contract with this company nor do i feel that i am under any obligation to pay for these unverified accounts. This is my last and final attempt to resolve this issue before i file suit against this company. Once this case is taken up in the court of law this company will have to provide all documentation that holds me accountable to paying these accounts. My credit and name is being tarnished by this company and i still have yet to receive proof or verification that these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

RETALIATION by XXXX against consumer file and financial reporting systems through XXXX, XXXX, a wholly-owned XXXX subsidiary XXXX XXXX XXXX XXXX 

XXXX XXXX, is a wholly-owned subsidiary of XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the laws of the State of Georgia, XXXX established notably in XX/XX/XXXX, by XXXX. 

On XX/XX/XXXX, XXXX XXXX, filed an immediate ADVERSE ACTION of financial services against the consumer stated herein to this complaint, without sufficient cause, credible or proper reason, notice, or any justification and/or explanation for such cause resulting in distress, humiliation and violation to the consumers rights and social standing. 

The consumer attempted to resolve the issue immediately by phone as stated according to the ADVERSE ACTION NOTICE received, however, NO SUCH REMEDY for the ADVERSE ACTION was available to the consumer by phone. 

So, immediately following the call, the consumer again, requested a copy of the credit report by fax, for any and/or all account information on file that XXXX XXXX XXXX XXXX XXXX subsidiary would have. 

Since reporting XXXX abuses of the consumers credit report and account, following repeated unauthorized release of the consumers information, unfair score and reporting practices and violations, various undisclosed and inaccuracies are continuing to be exercised against the consumers financial records, accounts, reports and reporting services both by XXXX XXXX, and XXXX which is resulting in undue distress and continuation of unnecessary violations of CFPB guidelines.
Product: Checking or savings account

Between cash app and XXXX  several disputes were denied due to lack of information, at one point my banking account that was linked was shut down due to fradualent transaction linking from cash app!! I've always given supporting documents as well as times and dates, in whichnn bm I can gather AGAIN once the time is necessary!! They deny your disputes rather it's proven to be a scam/fraudulent activity!!
Product: Debt collection

In accordance with the Fair CreditReporting Act CONTRACT CALLERS, 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 acdount without my written instructions.
Product: Payday loan, title loan, or personal loan

I had them change the date of withdrawals to coincide with my paydays and they charged me an extra {$150.00} and added that to my payment I have already paid this company over {$2000.00} for a small loan. Now the agreement they send me is an out of the country bank who I believe are a fraud in fact 1st page undercpayment schedule interest rate is over 800 % and says if you pay off early you still apy full fiannace charge. 
How is this legal I have asked XXXX multiple times to stop withdrawals from my acct and they wont as company makes remote checks. 
I think they need to be reported to FTC
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. 

XXXX XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXXXXXX XXXX XXXXXXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

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 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: Credit card

I made the purchase of the ring ( ~ {$13000.00} ) on XX/XX/year>2023 with the XXXX XXXX XXXX XXXX store, and they introduced me to the XXXXmonth no-interest financing plan and highlighted no APR for XXXX months. The store didn't highlight anything regarding the deferred payments, which is new to me, even though they gave me the terms and I had signed. If the store mentioned anything about the consequences if the balance is not clear after XXXX months, I wouldn't be losing track of my payment. 

The problem with the bank is I did my calculation to pay out within a year and I set up the auto pay immediately after I got the card, which is {$1200.00}, and expect it to pay off within XXXX months. For some reason, the bank started to charge me the XXXX month ( XX/XX/year>2023 ) and XXXX & XXXX months split my payment of {$1200.00}. The bank did not inform me in any form such as phone, message, email, mail, or website message, and initially I thought the autopay should work but it actually ended up with a remaining balance that caused a deferred interest from the ORIGINAL PURCHASE price, which is 30 % more of the ring price ( ~ {$3600.00} )! The store definitely has a duty to explain the terms well before the customer signs anything, I think they were not explaining the deferred interests for new customers to lure them to buy, this is a big loss/ interest to me as the ring price is very high for me and very unfair. 

I called the XXXX XXXX company and they arranged a call with the bank, but they are not resolving anything for me even though I explained and all they saied is nothing they can do, they seemed to blame everything on my side.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX agreed to a pay to delete agreement And promised that if i paid the debt in full that they would delete it from my credit report on all credit reporting platforms. 
They have not deleted the account from my report as it is still listed under collections. 

In addition, i did not give experian, transunion equifax or any Credit Reporting Agency permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights to begin with.