23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in XX/XX/2020 when COVID-19 had recently begun my mortgage was in a Forbearance program with XXXX/LoanCare because I was having some difficulties paying my mortgage. My son was helping me pay the mortgage but with COVID coming on the scene he got laid off. 
It was around this time that I was contacted by XXXX XXXX XXXX XXXX XXXX. They claimed they could help me. They would investigate my current mortgage to see that operating procedures were legitimate and they would also inquire with the many programs that the federal government has, to try and see what help I would qualify for. They would also negotiate with the owner of my loan to see if they could get them to give me a lower interest rate. According to XXXX XXXX XXXX it normally would take no more than 120 days. During the process they would keep me apprised of how things were going. They had me sign some paperwork i.e, Author. to Represent Form, Notice to Cease & Desist, and a " qualified written request '. They would call me once or twice a month to tell me " everything was fine '' but would not give me specifics. XXXX is the first month that they have not contacted me and they have not returned any my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian twice, once in XX/XX/XXXX and XX/XX/XXXX. On my credit report it still showing that I owe {$950.00} to XXXX XXXX, XXXX/XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX, ( XXXX ) which is a debt collector for XXXX. XXXX has reported to the three credit agencies that I owe {$950.00}. I appeared in court three times with my supporting documentation proving the bill was paid. I also sent the supporting documentation from my bank listing every payment that was made to XXXX XXXX XXXX, XXXX. I submitted my supporting documentation from my financial institution to both XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. Each time I appeared in court, XXXX and XXXX, XXXX XXXX XXXX, XXXX, Illinois for XXXX XXXX did not know any information about my case, but still made me appear in court three times. On XX/XX/XXXX, the Circuit Court for the 19th Judicial Circuit in XXXX County dismissed my case. The judge, XXXX XXXX dismissed my case and reimbursed me my court fees of {$130.00} by XXXX and XXXX. But the credit reporting agencies still shows that I owe {$950.00}. Also, I filed disputes with all three credit agencies. Two of them removed them, but Experian has not. Experian has sent me information in XX/XX/XXXX and XX/XX/XXXX that their investigation is compete and has not removed this from my credit report, but have not given me any documentation that proves that the investigation is complete. My case number from the court in XXXX County Illinois is XXXX XXXX XXXX filed XX/XX/XXXX. The original amount of the purchase was {$100.00} on XX/XX/XXXX to XXXX XXXX, but the bill was paid for {$950.00} and was paid in full. I would like to file a complaint against Experian, XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX and XXXX, XXXX XXXX XXXX, XXXX, Illinois.
Product: Checking or savings account

XXXX XXXX XXXX.tradestationXXXX offered a promo code XXXX  that was live on the website on XXXX XXXX XXXX. The promotion terms stated that tradestation will deposit {$150.00} to the account provided customer maintained {$500.00} in the account. I opened account on XXXX XX/XX/year> and funded the account but never got the promotion amount of {$150.00}. I contacted Customer service by email and phone. The customer service fails to reply to email and on phone denying the promo and stating the promo was invalid. However, neither in the application process or the webpage it stated it. It is click and bait strategy used by company in fooling customers and taking their money. 
The company is asking me proof about the promo. I emailed them the promo, screenshot and terms but they are still denying it. I had contacted customer service in XXXX and XXXX but they won't apply the {$150.00} bonus. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate.

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

With several letters being sent over the year to each credit reporting agency. With no action being taken to remove late payments that these companies were/are not authorized to report without my consent. All late payments should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given " cash for keys '' and settled with the Bank of Albuquerque or as they are known Bank of Oklahoma, with their lawyers, the State of New Mexico mediator, and myself. This agreement was in XXXX of last year, I was to leave the house XX/XX/XXXX, which I did. They have been reporting every month this year that I am not paying my mortgage and hurting my credit every month. When I called their lawyers, they said all the info is with the bank they are done with the case and will not deal with me. When I call the bank, they hung up on me and refuse to resolve. I can produce the check i received as well as contact the state who also have record of the agreement. I do not have a mortgage with them anymore it was resolved through a cash for keys settlement agreement and they are wrongfully charging me every month and still have it open in my name while I am not even at the property and they already are working deals on it with others. Completely no right or legal, and their inability to even talk to me is unbelievable and they should be held accountable. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By submitting this XXXX complaint today, I am requesting to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}
Product: Mortgage

My names are : XXXX : XXXX : XXXX : and I live permanently in : XXXX : in XXXX under postal address : XXXX XXXX : XXXX : XXXX : under my names : XXXX : XXXX : XXXX : and I utilize my names as such also under : XXXX XXXX : where I have an insurance against theft for : {>= $1,000,000} : and I have a remittance fund at the :XX/XX/XXXX : for : {>= $1,000,000} : from an initial bond of : {>= $1,000,000} : from my : MEGA Millions Lottery : prize winnings which was a larger sum as the Jack Pot on the day of my lottery winnings was declared to me and my bond for {>= $1,000,000} was issued to me for me to redeem by the : Federal Bureau of Investigation : as such I purchased a condominium on XXXX XXXXXX/XX/XXXX: under :XX/XX/XXXXXXXX : in XXXX XXXX on Zip Code:XX/XX/XXXX: in United States under my names : XXXX : XXXX : through : Quicken Loans : under loan number XXXX : on the Date of Purchase of : XX/XX/2020 : and I had also paid my student loan re finance from my : {>= $1,000,000} : at the : XXXX XXXX XXXX XXXX XXXX also through : Quicken Loans : for : XXXX : by : XX/XX/XXXX Here : under reference number XXXX : under my names : XXXX : XXXX : under invoice XXXX : such that my two loans should be declared to me by Quicken Loans so I would like for you to force Quicken Loans to declare my home purchase to me and I am conversant with the issues of safety as the Coronavirus has ravaged the United States than any other country however the response that I receive fro Quicken Loans has made me to lodge a complaint as my home purchase loan should be paid and my documents and notifications should be forwarded to my e-mail address : XXXX : such that I can be allowed to emigrate to the United States from XXXX to go and reside in my condominium under my names : XXXX : XXXX : in XXXX : so please assist me as I submitted my case to : XXXX XXXX XXXX at the office of : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX and I contacted other law firms at XXXX XXXX previously to seek their intervention thank you sincerely : XXXX : XXXX : XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2019 I sent Experian 2 letters regarding errors on my credit report. The first letter was about to 2 XXXX XXXX XXXX that are appearing on my report. They do not belong to me and should not be on my credit report. The second letter is about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received 2 responses one on XX/XX/2019 and the other on XX/XX/2019 from the Experian stating that the XXXX XXXX credit cards and inquires were verified. In both of my letters I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer generated response. It does not say who they talked, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. In addition, they also stated they do not have re-investigate. This is also a violation of the fair credit reporting act. The inquires and credit cards should be removed from my credit report immediately. Experian has violated my rights under the fair credit reporting act. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

I was advised to purchase a prepaid package of waxing services from the XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Although I still had services left on my current package that would last me until XX/XX/XXXX, I did so since they were offering additional free service. Based on my usage the new package would cover the period from approx XX/XX/XXXX - XX/XX/XXXX. When I called to make an appt on XX/XX/XXXX, I was told XXXX had sold but the new owner would honor the prepaid packages until XX/XX/XXXX. The representative of the new store, XXXX XXXX, said I should contact XXXX for a refund of the new package since there was no way I could use it by XX/XX/XXXX. She also indicated most customers did not get a response and therefore declined the payment through their credit card company. I called and emailed XXXX with no response. I disputed the charge with Chase on XX/XX/XXXX however, the merchant indicated they believe the charge is valid and Chase rebilled my account. I spoke with Chase and explained the situation and was told to resubmit more detail which I did but I received a letter indicating the charge will stand. The merchant provided a history of my visits which clearly shows I will not be able to use the services I was sold by XX/XX/XXXX. XXXX should not have been selling prepaid packages giving their upcoming sale which I am sure they were aware of. Additionally the new wax center is not of the same quality as XXXX and I am not able to obtain services there. I did go and use one of the remaining services on my existing packages and the inferior wax product combined with the use of baby oil versus aloe after the waxing caused an XXXX XXXX. Chase is definitely not a customer friendly credit card company if they think the merchant should be credited for this amount.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

This company is currently showing 30 days late for the month of XX/XX/2020. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Below is the erroneous account reporting on my Credit Report : 1. CAPITAL ONE XXXX Balance {$750.00}
Product: Debt collection

I was served papers for a RECENT debt from XXXX XXXX, ( ie XXXX XXXX XXXX XXXX, shortly after disputing it with a credit reporting agency. In order to verify this debt I need the itemization and PROOF that the debt is in fact valid. Many of these debts are too recent for the paperwork to have processed due to the slowing down of IRS paperwork, by the coronavirus. Getting the information is the only way I can properly reply. 

On XXXX, their hours are Monday-Friday and Saturday XXXX to XXXX XXXX. When I showed up at XXXX on Saturday, I discovered that XXXX XXXX XXXX is in the same building as XXXX XXXX XXXX. But XXXXXXXX XXXX  XXXX isnt posted on the door anywhere ... I walked around looking for a separate door :,, nothing. Furthermore, when I called because the front desk area wasnt open, I was told that law office of XXXXXXXX XXXX XXXXXXXX was open just on the other side of the door, she had the paperwork, but she wouldnt give me the papers because the receptionist was their client, express recovery services ... and they werent open. 

I was upset about this and am now delayed further as I dont have a car to drive there all the time. Im an unemployed individual living through this pandemic. A lawsuit on recent unresolved debts, currently in dispute, is anything but compassionate and should be a crime. 

I told them this to which I was told everything is moving forward, businesses are still running and the world is moving forward. I am not able to be employed as I am on the CDC list of vulnerable populations right now. But yet here I am, at the ( law office? ) thats suing me, miles from home, outside, begging for proof of a recent debt, during open hours, so I can reply to a summons. Shame on this law office, and Im certain their relationship with XXXX XXXX is brushing too close to whats considered legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point XXXX considering taking legal action. 
15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian regarding the inquires that I did not authorize and they refuse to investigate/verify and remove them. The credit inquiries are as follows : XXXX-XX/XX/2017 XXXX XX/XX/2017 Please remove these credit inquires from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX   XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} XXXX, Opened Date XX/XX/XXXX, Balance {$3600.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is breaking federal law 15Usc1681e ( b ) assured that I'm due and promised an accurate credit report. They are reporting inaccurate, fraudulent information and intentionally being negligent in the remedy of my affairs. I have sent in all required documents requested by the company on XX/XX/2022 and they have failed to respond to my correspondence within the 30 day timeframe.
Product: Credit reporting or other personal consumer reports

I've served a dispute to XXXX and XXXX a debt validation letter ( XXXX XXXX # XXXX ). This validation included a cease and desist on all communications regarding the alleged debt. The account should not appear on my credit report until it has been successfully validated.
Product: Checking or savings account

XXXX-Direct deposit for {$770.00} for the date XX/XX/XXXX was held until after XXXX XXXX  and bank did not release access to funds. Customer service and a branch manager downtown was called ( total of 3 calls ). Everyone initially said they could not see direct deposit or was employers fault FINALLY branch manager said just wait until tonight should be there by XXXX XXXX. Why are they holding funds for a full business day-same employer has deposited check for 6 years XXXXAutomatic bill pays for XX/XX/XXXX were not posted until XX/XX/XXXX XXXXAutomatic withdrawal fee of {$43.00} for XXXX of was rejected. Total transaction was {$75.00} but {$43.00} was setup to come from UMB account. At that time UMB account was over {$800.00} but they did not pay. Fee from merchant charged. 

Also here is email from XXXX : Instant Transfer payment Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$75.00} USD Reason : Your bank reported a problem. Please contact your bank 's customer service. If you still need assistance, you may contact XX/XX/XXXX Check for {$240.00} not cashed balance was $ XXXXthis resulted in a fee from UMB and other bank Also should of been paid on XX/XX/XXXX this is deposit they held until after XXXX XXXX  and historically paycheck for last 6 years always posted Thursday night before XXXX before this week. 

All these also happened after I filed an official complaint against the bank
Product: Consumer Loan

Hello Viewers, I 'd like to start by saying, i brought a toyota pruis 2010 at XXXX, put down XXXX dollars, and they made my payments XXXX a month or XXXX biweekly which is fairly affordable. But once i realized the many issues of this company etheir not receiving my payments for months at a time or late each time without notifying me, I became skeptical and highly frustrated. I always called them or answered my phone for them to sort things out and stay in good standard. But now almost 2 years later only being late 3 times, i still owe XXXX, XXXX. How in the world is this possible when I am told often to recheck my balance on line to see accuracy ... or wait for the statement..all in which XXXX say I owe XXXX XXXX still. I feel ripped off and stuck in a worst runt than before getting this car. I feel I am stuck owing this company for many more years and nothing is being done about them ripping people off. I pray to get out of this Unreasonable and unfair loan right away. So DO NOT TRUST the representatives that call you for Consumer Profolio Services because they do not hold to their word. They make verbal agreements or promises but when you check your remaining balance on your loan, it shows way more than you actually owe each time. They also do not communicate well with XXXX another about your personally information or changes in your loan. They will take your funds before and after they are due without permission. Causes your account to overdraft or double pay. They will continuously charge you even if they have said they waived late fees, and claim they put your payment 's in the back of your loan even when you caught up with your car payments. They will call and harass you all through out the day even when you make a payment agreement and stick to them. They find ways of receiving your payment 's late or say they are unable to take your funds due to the bank not releasing it, which I found each time to be a lie. These faulty errors make your loan extremely hard to decrease or payoff let alone go away at all. It is not worth anyones hassel to deal with this unprofessional and very rude company. Take your services safely elsewhere. Itll save you the stress in your life and not having to owe a loan 50 % more than what you actually owe. I truly hope this was helpful to someone reading about Consumer Porfolio Services.
Product: Credit reporting or other personal consumer reports

There are dozens of inquiries ... ... someone are trying to access credit .... I placed a fraud alert and security freeze but before I knew it there were 70 inquiries .....
Product: Debt collection

I'm in the process of trying to repair my credit and I came across this account which isn't mine. So I sent in a letter for validation as the begin process of cleaning up my file. I'm disputing and that was back in XXXX of 2019. I recieved no response back. Attached is a copy of the validation letter I sent. This account is not mine and I need proof : original copy of contract, signature and social, proof to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. As per the fair credit reporting act I'm within my rights to have this completed in a timely fashion.