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

This third party collection agency XXXX XXXX XXXX, I have no knowledge to whom this company is nor why they have my personal information attempting to collect a debt. Since I have no knowledge of this company nor have ever heard of them, this needs to be removed from my credit report. I thank you in advance for carefully looking into this matter on my behalf to remove this creditor and this account. Also, I still see my name misspelled of my reports that I have requested to be removed. Please remove those names off of my report. Each one of them seems very suspicious that they would be on my credit report.
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 XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT KNOW HOW MANY TIMES I HAVE TO REPORT THIS TO XXXX XXXXXXXX XXXX XXXX TO XXXX XXXX XXXX and EQUIFAX BUT EVERYBODY WILL BE GETTING A DEMAND LETTER FROM MY ATTORNEY TO SHOW CAUSE AS TO WHY THIS IS STILL ON MY CREDIT REPORT. MY ACCOUNT XXXX XXXX  ENDING XXXX NEEDS TO BE COMPLETELY AND INDEFINITLEY REMOVED FROM MY CREDIT REPORT. IT WAS NOT OPENED XX/XX/XXXX AND EVERYBODY KNOWS IT. ATTACHED IS SCREEN SHOTS DIRECTLY FROM XXXX XXXX XXXX MY ACCOUNT WAS OPENED IN XXXX AND CHARGED OFF IN XXXX. PCR PURCHASED THE DEBT XXXX OF XXXX. THAT IS NOT DATE OPENED. THIS IS TOO OLD TO BE REPORTING IT IS ILLEGAL AND I WANT TO BE COMPENSATED DUE TO MY RIGHT OF ILLEGAL REPORTING XXXX PLUS DAMAGES. SINCE IVE REPORTED THIS TO YOU NUMEROUS TIMES- PLEASE TELL ME WHY YOU DID NOT DO YOUR DUE DILLIGENCE ON MY BEHALF?
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent account ( secured card ) opened with XXXX without my knowledge or authorization. XXXX has refused to investigate and when they said they have they refused to provide me with any information. I have never served in the military but yet the company cant explain how an account was opened in my name. They have no physical identification of mine just my social and name someone provided to commit fraud. I have recently noticed on my credit report the different data has be adjusted several times in the last few years. XXXX adjusts the delinquency and paid dates so the debt will report longer on my report. The whole account is fraudulent and XXXX couldnt provide me with any evidence that shows I opened that account.
Product: Debt collection

FTC filed Macy departments account is no obligation of mines and was the result of identity theft. Macy refusal to remove this fraudulent account violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Product: Debt collection

Navient received a cease and desist letter on XX/XX/year> ( received by certified mail ), the letter asked them not to contact me over an alleged debt that is timed barred ( by nearly 20 years ). They have since contacted me again by email attempting to collect, on XX/XX/year>. They have yet to acknowledged the cease and desist letter.
Product: Mortgage

My home is under foreclosure and a short sale has been in place since XXXX XXXX, 2015. We are dealing with a negotiator at Caliber Home Loans who changes her mind weekly about accepting or not accepting an offer. We have a XXXX lien which is requesting a specific amount of the loan to be paid towards them. Caliber previously agreed to paying them from the short sale and now is forcing us to use our relocation fees to pay for this XXXX lien. 

Meanwhile, another motion has been filed by Caliber to proceed with foreclosure. We can not seem to get this finalized once and for all. Our realtor has done all he can to work with Caliber on a resolution but to no avail. 

This process has been more than emotionally draining and frustrating. We are trying to avoid foreclosure and it does n't seem Caliber wants to cooperate and this particular negotiator seems to be the problem.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I was spoke to XXXX XXXX  in XXXX, Oregon about purchasing a used vehicle. I am self-employed as a XXXX XXXX who does XXXX XXXX XXXX and while I realize lenders don't like that, I didn't expect them to put 11 hard inquiries on my credit. Also, they put that I worked at XXXX and XXXX XXXX XXXX. I've never worked at XXXX, and I didn't tell them that I worked at XXXX. And, as far as I know, there is no XXXX XXXX XXXX and I don't have a company by that name, or any company for that matter. I was told by Transunion and XXXX  that I can not dispute the information, and that I would have to get a letter from the dealership. When I call the dealership, they will not speak to me or they take a message and no one gets back to me.
Product: Checking or savings account

My partner and I pay bills out of my Bank of America account. I contacted them asking if they could add him to the account and deposit his check into the account for bills. They said they would my boyfriend then deposited the check into the atm. Bank of America called me letting me know fraudulent activity had taken place on my account. I went to the bank and realized they were just talking about my boyfriend depositing the check. So we cleared up the confusion and they told us to both bring in our ids so they could remove the fraud alert from my account. We went to the branch in person showed our ids and they removed the alert and cleared the check to deposit into my account. Two days later on XXXX XXXX  they closed my account and held my money. I went back to the bank asked them what the problem was they said it was a bad deposit. I asked them why they made us bring our ids just to close the account anyways they had no response for me. Two months go by they finally send a check to my house will all my money except for the money from the check. In XX/XX/2024 They tell me we need to show proof the check was legit. So we go back to the bank with all the paperwork. We sit at the bank for XXXX hours while they scan all the paperwork and make us sit on the phone with the bank associate and the fraud department. They scan all the paperwork in and say were good to go at the branch located at XXXX XXXX XXXX XXXX XXXX, GA. Its now XXXX in the beginning of the month I called to check on the release of the funds they said they released it back to the issuer of the check and I needed to contact them. Today XXXX XXXX they are saying they never received the scanned documents in XXXX when the bank teller sat on the phone with the fraud department and sent them all in. Now they are saying we have to go back to the bank and start the process all over again. They have been holding the money for over a year, every time I talk to someone they tell me different information or act like they dont have to tell me anything because the funds have been placed in their back office! This has been ongoing causing me to be late on paying bills and the closed account shows on my XXXX XXXX causing me even more financial hardship.
Product: Debt collection

XXXX XXXX XXXX XXXX I have done a very good investigation of my credit report. My identity was stolen years ago. This is not my account I have hired an attorney for a lawsuit on all credit bureaus on my XXXX none of these accounts are on there. I need this removed from my credit report ASAP. 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 XXXX XXXX XXXX XXXX and 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 or 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. 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: Checking or savings account

In XXXX capitalone sold my private information such as name dob, ssn, and banking info. Because of this hackers got into my account and made many fraudulent charges. Capital one advised me to close the account and open a new one so I did. My irs refund was programmed to direct deposit into the closed account. The stimulus money given out at the end of XXXX was set to deposit to the closed account. Capitalone informed me that the money would be rejected and returned to irs. Upon communicating with irs their records show capitalone accepted payment for stimulus funds and did not reject the payment. I have yet to receive my $ XXXX. 

In XXXX capitalone was brought to litigation and were suppose to inform their clients of such litigation they failed to notify me and payouts have already gone out. Ive attempted to resolve the issue with capitalone one but they said that I have missed the deadline and there is nothing that can be done other than offer me 3 years of credit repair services for free. 

Currently the state of Az is sending out a rebate to qualified applicants for XXXX in the amount of {$750.00}. The payments will be deposited into the account listed as payment for XXXX tax refund and as I stated before capitalone was suppose to have closed that account years ago. I still have not received my stimulus money or current Az rebate. 

Today I called capitalone to close my account and let them know my issues the representative stated she was going to help me but instead left me on hold then hung up on me. They are refusing to close my account or return my money to me. Or rectify the situation in regards to not notifying me about litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent out 609 letters to all 3 credit bureaus XXXX, Experian, and XXXX. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.
Product: Mortgage

After around 10 years of at least 15 carriers and over 100 letters threatening to foreclose, litigation, in which a judge ordered the loan to go to arbitration around 3 to 4 years ago, a new company appeared out of no where and claimed they where the new carrier and told me they had no previous records of judgements or court preceding 's, nor any documents pertaining to the loan. 
as of around XX/XX/XXXX of this year, after many letters from several mortgage companies, Carrington mortgage, llc started sending letters claiming they were the new carrier of the note, ( one note, I had received a letter from the last carrier saying they would no longer be servicing the not and the insurance would be dropped ). around may I received a letter from manner, XXXX XXXX XXXX XXXX XXXX saying the foreclosure date was set for XX/XX/XXXX. I then ask an attorney, ( whom I have not retained but only ask for legal advise ) if I had the right to all docs pertaining to my loan and proof the carrier was a legitimate company and had the right, after I told the Attorney of my situation she called the law firm and said before you foreclose could we have the docs pertaining to the loan, the attorney for the mortgage co. said she would pass the info to Carrington and she would request a stay on the foreclosure. they postponed it for one month and 10 days. We took this time to speak with Carrington mortgage to obtain docs, such as transfer history, proof of carriers, loan payment history, ect. we received nothing. the lawyer ask me to do a three way to talk with Carrington on the matter, the conversation went nowhere and Carrington said they where foreclosing. they had no records, 0,  they did send us some loan payment history but you could not read it, and the Lawyer representing Carryington sent us and Altered Deed Of Trust. you could not even tell who's loan history it was. This, in my opinion is a scam to foreclose on anyone who is unsuspecting and because they refuse to show any documentation, I must conclude there is none.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX  Balance Owed : XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX  Balance Owed : {$3600.00} XXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

Applied for a loan in around XXXX of this year. Found a company that turned out to be a scam. That company managed to get access to my US Bank checking account and therefore to all of my personal information. After doing so they " added '' {$1000.00} into my checking account in the form of provisional credits from US Bank that scamers themselves applied for after gaining access to my bank account. Then the scamers asked me to send {$1000.00} by XXXX to a fake person who was supposedly in charge of my loan 's insurance that i would be required to obtain in case of financial default. As a result those fake but real provisional credits were reversed back by US Bank into real money which overdrawn my account and added {$1000.00} debt that I have to deal with now.
Product: Mortgage

I sent a promissory note for full value received to Planet Home Lending LLC.

According to UCC 3-104 a promissory note is a negotiable instrument.

According to UCC 3-603 if a tender of payment is NOT accepted then the debt is discharged for the full value of the tendered payment.

According to HJR 192 one can't deman a certain form of currency since any form and all forms of U.S. currency are the consumer 's credit.
Product: Credit card

I am writing to formally request the removal of several hard inquiries from my credit report. Upon reviewing my credit report, I have noticed an unusually high number of hard inquiries, which I believe are negatively impacting my credit score and financial well-being. 

The primary reason for this request is that many of these inquiries were either unauthorized or resulted from multiple inquiries for a single credit application. Additionally, some were made in error or without my explicit consent. As a responsible consumer, I understand the importance of maintaining a healthy credit report, and I am taking active steps to manage and improve my credit. 

The presence of these numerous hard inquiries does not accurately reflect my creditworthiness or financial behavior. Their removal will not only provide a more accurate picture of my credit profile but also help me in obtaining necessary financial products and services to better manage my finances. 

I kindly request that you investigate these inquiries and remove any that are found to be unauthorized, erroneous, or redundant. Attached are the details of the specific inquiries I am contesting for your reference. 

Thank you for your prompt attention to this matter. I appreciate your understanding and cooperation in helping me rectify this issue. Please feel free to contact me if you need any additional information or documentation. 

Sincerely,
Product: Credit card

On XX/XX/year>, A fraudulent charge of {$87.00} was made to my account. I notified Citicard & they reversed the charge. On XX/XX/year> I rec 'd a letter stating that " merchant provided documentation confirming merchandise was delivered to my home address '' & that they were reversing the credit. I contacted the disputes department many times to argue my case but nothing happened. I finally wrote to the Consumer Service Team with the following information : This company " XXXX XXXX XXXX XXXX '' sells Specialized parts for mountain bikes on line. I pointed out that I'm a XXXX XXXX XXXX woman! In addition the 'confirming documentation ' shows the following : " Delivery date : NOT AVAILABLE, and XXXX : N/A, There was no delivery. On the basis of this evidence, on XX/XX/XXXX they credited my account for {$87.00}. HOWEVER, they failed to remove the interest and penalties that had accrued since XXXX. The balance is now over {$110.00} & increasing by over XXXX  XXXX. And because of this 'non-payment ' my XXXX XXXX has gone down over XXXX points. There should have been no late payments or fees while the purchase was in dispute, and it should not have been reported to the credit bureaus as late payment.while in dispute.
Product: Mortgage

Standard Mortgage Corporation XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, LA XXXX Original contact date was XXXX XXXX, XXXX to set up an arrangement to have house appraised to lift Private Mortgage Insurance should it appraise at a pre-determined amount. Early XX/XX/XXXX would have been the 2-year mark of ownership, allowing eligibility for the appraisal according to their terms. They said I was eligible for appraisal in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, 4 emails were sent and about 7 phone calls. All calls except for one were eventually routed to random voicemails, where several voicemails were left with no returns. One call on XX/XX/XXXX was received by Customer Service, whom routed me to an agent that again just landed on voicemail. 

Absolute and complete avoidance of me wanting to work on paying the needless, draining costs of PMI every month.
Product: Debt collection

I was trying to resolve a delinquent debt of {$350.00} through the   XXXX    XXXX   XXXX   XXXX  . I was not comfortable giving my debit card information and offered to send a check, but was told that the debt holders stipulated that they would only accept debit card information and no other form of payment. I requested documents via mail so I could verify the authenticity of the institution that was calling me and I was refused. I requested the name, mailing address, and professional license number of the debt collection agency and was also refused. The paralegal,  XXXX   XXXX , sent an email with a locked document containing the debt information that required my social security number to view, but I expressed unease of providing that information to a company that did not willing verify their full identity. I asked for a physical validation notice instead via mail with the amount of debt and name of the creditor, but was refused. The paralegal then threatened to send a currier to serve me papers and sue me if I did not offer them my debit card information to them on the phone. I agreed to meet with the currier and the paralegal got angry and defensive and told me to never call their office again and hung up. I am would like to resolve this debt but am unsure if this is a legitimate debt collection agency.
Product: Consumer Loan

My loan has a payment due date on the XXXX of each month. I have met the payment dates faithfully for the past year with the exception of one month ( XXXX 2015 ) when my payment was 8 days late. I was charged a {$30.00} late fee which is 50 % of the required payment amount. Each month thereafter required a minimum payment due of {$90.00} ( inclusive of that {$30.00} late fee ). I continued to pay the normal {$60.00} payment amount ON TIME but not the full so-called " Required minimum payment '' of {$90.00} because I was protesting the amount of the late fee. I finally gave up and paid the {$30.00} in a separate payment on XXXX/XXXX/15. This company is continuing to charge the {$30.00} late fee on each subsequent statement. I make these payments directly on-line. Today ( XX/XX/XXXX ) I initiated a payment in the amount of {$60.00} and received a message that this was less than the required minimum payment and I would, therefore, be assessed a late fee. I called to speak to someone in customer service to explain that I believe it is not correct that they can charge a late fee on a " late fee '', especially since it had already been paid. The representative and her manager both attempted to tell me that the late fees will continue to apply whenever I pay less than the " required minimum amount due ''. I was speaking to deaf ears when I said the reason I paid less than the " amount due '' was because part of that amount due had already been paid. Can they continue to assess a {$30.00} charge each month? My payments are being made each month on time and for the amount of the original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.