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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Mortgage

In XXXX of 2015 I asked my loan officer if it was in fact true that I could have PMI removed right after closing. He assured me via email that it would n't be a problem at all. He even went as far to say that he had just left some kind of a conference for continuing training and they talked about it there, so he was certain. This was all written through email, by the way, so I have the whole conversation documented. We closed a few weeks after that conversation. 
Fast forward a little over two months later and I decide to make the call to have it removed. I went through XXXX XXXX XXXX for the loan but the mortgage was then sold to Wells Fargo. So I reach out to Wells Fargo and they tell me that I must have 80 % LTV in order to have PMI removed. I told them I was already aware and that based on my appraisal, I already have that. They then advised me that they would have to use the lesser of the appraisal or the purchase price. Well, I got a heck of a deal so the lesser would definitely be the purchase price. I only put 5 % down so I was nowhere near the needed 80 % LTV that they want. The numbers are as follow : Appraised value : {$220000.00} Purchase price : {$170000.00} Mortgage amount : {$160000.00} Similar houses in my neighborhood are going for well over {$220000.00} so the bank clearly has no risk here in regards to the LTV. I initially reached out to Wells Fargo the first week of XXXX. The said my case 'due date ' would be XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. Now here it is the XXXX and sure enough, there 's no resolution. Each time they pushed the case back I would ask specifically what are they doing or trying to decide? They would always respond with a vague answer and just say " this is normal ''. 
The PMI portion makes up {$80.00} of my payment. This may not seem like much to some people, but my budget is extremely tight already. I ca n't afford to be manipulated and lied to and lose {$80.00} per month.
Product: Checking or savings account

This is in regard to a XXXX Account that XXXX XXXX created. I am the Successor of the Trust and have the Power of Attorney for XXXX XXXX. On XX/XX/XXXX I went to the XXXX XXXX  XXXX XXXX branch in XXXX and met with XXXX XXXX to gain access to this account. I provided legal documents as needed which were copied and sent to their legal department. I was told that I would be contacted in a week. After 2 weeks I went back to find that nothing had be accomplished on this transfer. a day later is was contacted and told that this was completed and to return to the bank to complete some other bank forms. Upon my return, I was told that my social security number was not correct and I had to return with my social security card. the card was then copied and sent to the lega department. I was then refered to XXXX XXXX to continue you with this. He told me that he needed the original Power of Attorney. I told him that I had provided it to XXXX, but he told me it was copied at that time. I brought it to him again and he copied it and sent it to his legal two weeks ago. I stopped in last week to ask him for an up date and he said that he did not receive any new information on this. I called him on Monday of this week and left a message as I would like to have him call me. He did not call and I called him again today. I left a message and he has not called back. I am frustrated and believe that there is something fraudulent going on.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I went to XXXX XXXX, located in XXXX, IL to have the brakes on my XXXX XXXX XXXX replace. I was informed by the Shop Manager that all four must be replaced as well as the Rotor which will cost approximately {$940.00}. I informed the Manager that I only was able to afford to have the front brakes did. They reply by inviting me to a 90-days interest-free cash payment. Or 12 month I agreed. While I was at the shop the service technician took the primary information off the car, the cashier downloads the mileage intentionally incorrectly into XXXX system my incoming miles was around XXXX XXXX backlogged the miles to XXXX this would have caused my XXXX XXXX warranty to expire. After, realizing this was intentional that XXXX was trying to sabotage the XXXX warranty. I didnt realize that I was being schemed until my alleged new brake pads and rotors were squeaking I couldnt understand why this was happening. I took the car back and showed the General Manager how they deliberately downloaded my miles, they did honor that and replace both the brakes pads and rotors. My primary complaint was this company that finances the balance of the bill, my agreement was that I will make my payments by money order only I do not have any of my creditors to automatic withdraw payment from my account. My last payment was made by money order on XX/XX/XXXX as money order No. # XXXX amount {$150.00}. 
XXXX XXXX ( XXXX XXXX ) whom I agreed to finance the balance. XXXX illegally withdrew from my bank account {$80.00} on XX/XX/XXXX which at that time caused my account to be overdrawn. Im a seniors citizen living on a monthly budget wherefore, I can not afford my checking account to be overdrawn. According to their monthly statement, the customer has an option to enroll in automatic payments from either your checking account or debit/credit card. I refused to participate. After researching my rights and how I can begin legal action against this company for violating my privacy and attempting to steal my identity to gain access to my bank account. That when I also discovered I was being overcharged interest rate. I didnt realize they were in violation of the Illinois payday loans interest rates laws. I informed XXXX XXXX   that I appreciate if they would return the funds right away which per my conversation on XX/XX/XXXX at XXXX XXXX I was informed to fax a copy of the bank transaction which I did. Today XX/XX/XXXX they inform me my funds won't be available for at least 6-10-days. I requested 48 hours. They went into my account electronically they can refund my account electronically.
Product: Mortgage

On XX/XX/XXXX, Ditech, LLC made a flood insurance payment of {$3000.00} to a cancelled flood insurance policy ( " XXXX '' ). On XX/XX/XXXX, Ditech, LLC made a flood insurance payment to my current flood insurer for {$1300.00}. On XX/XX/XXXX, XXXX sent Ditech, LLC a refund check for XXXX. TO DATE, this refund check of {$3000.00} HAS NOT been credited to my escrow account. 

My insurance agent and I have REPEATEDLY tried to get Ditech to correct its error. On XX/XX/XXXX, Ditech claimed the refund would be credited in 7-10 business days. I have made several subsequent calls. To date, the monies have not been credited. On XX/XX/XXXX, Ditech transferred the mortgage to another servicer, XXXX XXXX. The escrow information Ditech sent them was incorrect. 

You will see from viewing the attachments that it is clear Ditech made the flood insurance payment, received a refund of the flood payment from XXXX and did not credit it. This is a great deal of money that I NEED. Please assist me in getting them to do their jobs properly and properly credit my escrow account. Thank you.
Product: Credit card or prepaid card

In reference to previous complaint number XXXX. 

After taking months and multiple erroneous charges to finally fix the issue Fifth third has started to charge me interest again. The promotional offer was supposed to be interest free till XX/XX/XXXX but on XXXX XXXX I was again charged an interest of {$170.00} This just goes to show the level of incompetence at all levels of FifthThird bank and they are not to be trusted to act in an honest and efficient manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm crippled and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.
Product: Checking or savings account

At about XXXX EDT on Wednesday, XX/XX/XXXX my husband and I called Dave.com about a fraudulent debit card being set up in my name. The card was mailed to us and I had been a victim of identity theft a couple months ago. The initial support person we spoke with verified the address and name on the card. The phone system also verified the card number before speaking with the support rep. In order to access the account and help us further they asked for my birthdate, PII, and not only are we not comfortable handing this out to a company we don't trust, it is not information they should require for us to report fraud and have the account shutdown. We asked for their supervisor and they were initially unwilling to escalate us to said supervisor. We finally got a supervisor who continued to request all kinds of PII in order to proceed. Without a birthdate they were unwilling to assist. We were told instead that we can email a photocopy of my ID ( more PII they shouldn't have ). We informed them we are reporting the fraud and that if they continue to not assist or if anything happens as a result of the account not being shut down that we will likely be taking legal action. When asked for the supervisors boss we were told there is no one else we could speak to over the phone. 

When dealing with all of the major banks over the last XXXX months or more we have not needed to provide PII in order to deal with fraud. Willingly handing out PII to untrusted parties should not be standard practice in order to report fraud and have action taken.
Product: Debt collection

I sent notice to them and the credit agencies stating this debit was paid ; both said the debit was verified as not being paid.
Product: Debt collection

Notice for Proof of Claim Account : ENHANCED RECOVERY COMPANY # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Mortgage

My partner and I invested into this property. When my partner decided he no longer had interest in the property, the deed was transferred to my wife XXXX XXXX. Following a divorce and bankruptcy, the grant deed was then transferred to myself ( attached are supporting documents from the court ). I was making the payments to XXXX XXXX XXXX, but once the loan was transferred to XXXX my payments started being rejected. When calling in and speaking to a representative, I am told I am not on the loan and can not make the payments. Even after supplying them with the proof from court and grant deed showing me on title, they refused to take my payments. Now I am facing foreclosure due to my documents being mistreated and not review properly. Then after hiring an attorney, I found out that my loan was then transferred from XXXX to Fay Servicing to which I have received absolutely no notices to the property address. Additionally, a Notice of Trustee Sale was posted yesterday XXXX/XXXX/XXXX for a sale of XXXX XXXX, XXXX. That is not even 22 days away required by law that I am to be notified. This whole situation has gone from bad to worse and I need help from whomever I can at this point so I do not lose my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$440.00}.
Product: Checking or savings account

Paid for a {$250.00}, {$250.00}, {$350.00}, then {$250.00} XXXX XXXX gift cards from XXXX and XXXX XXXX within 7 attempts in 60 days for free tax credit refund beginning {$500000.00} and the banks are refusing to buy the XXXX store delivery plain XXXX gift cards of {$25.00}, {$50.00}, {$100.00}, {$200.00}
Product: Credit card or prepaid card

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Complaint Department Elan Financial Services To whom it may concern, I am writing to dispute the following information in my credit file. The item Im disputing is Elan Financial Services Account # XXXX XXXX XXXX XXXX, as reported by XXXX  XXXX. 
This delinquent account record is inaccurate because I was having extreme difficulties paying my account starting in the month of XXXX, XXXX, and XXXX. However, I continued to make my payments online and I one day received a delinquent letter that I was more than 30 days late! There was no way I was late when each month I was making my payments. I called XXXX Nevada XXXX XXXX as that is where my credit card is from. They stated a new company had bought out their old payment company and therefore payments were to now be made at MyAccountAccess.com. I had to create a new profile for me to make my payments. At this point my account was behind and I had to play catch up as I was never notified of this change. This whole time I thought I had been making my payments on time. This account has now been paid in full on XX/XX/2019 of the amount of {$1800.00}. 

I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. As you can see, my payment history is perfect other than this one mistake that I dont believe was my fault. The late payment is also showing up on my credit reports and its done a lot of damage to my credit scores. 


Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Dispute Letter
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice will serve as written notice of your FDCPA violations for False and Misleading representation ( Section 807, FDCPA ) ( 9 ) ( 10 ) To : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX  On or around the date of XX/XX/XXXX the manager of XXXX XXXX   known to me as XXXX had my vehicle removed from a local impound before I could get to the impound to pay the amount owed. At that time in the month of XX/XX/XXXX my vehicle was current. XXXX XXXX had no lawful reason to remove my vehicle and place my account on a hold status. My contract said nothing about my lien holder having the legal capability to do such a thing. During this hold any payment I called and attempted to make fell onto deaf ears, I was constantly denied the ability to make payments. Every time I called XXXX XXXX  and attempted to pay the manager XXXX  was more interested in my reason for the vehicle being towed and not the payment for my vehicle, XXXX  continued to tell me that another department was handling this matter and he would get back to me if I could even pay which created a false representation of the legal status ( FDCPA SECTION 807 ) be it during the month of XX/XX/XXXX my payment wasnt even 30 days late during these conversations.

On the morning of XX/XX/XXXX after several calls to XXXX XXXX in attempt to pay on my vehicle that was unlawfully obtained by XXXX XXXX, my calls to pay still went unheard. I get a notification the same day from XXXX XXXX and XXXX XXXX   updated my credit report with a repossession, causing major damage to my credit score and my co signer XXXX XXXX. XXXX XXXX issued a letter on XX/XX/XXXXwhich is misleading and false ( FDCPA SECTION 807 ) because my vehicle was held XXXX   by my lien holder and I couldnt pay. I was not in a default status anytime XX/XX/XXXX to create a repossession environment. You are also in violation of FDCPA section 807 subsection ( 9 ) ( 10 ), when you failed to communicate any default even after a XXXX payment in XX/XX/XXXX, and during that payment I was told that was the amount to bring my account current, with no payment being owed until XX/XX/XXXX.

Your letter XX/XX/XXXX is a repossession letter on a current account placing you in violation of FDCPA section 807 subsection ( 11 ), your letter was not a formal pleading made in connection with a legal action.

I am seeking relief from my credit, and I pray the Consumer Finance Protection Bureau can find that due to the unlawful environment created by XXXX XXXX  my credit will be adjusted accordingly. Since I cant get back a vehicle that was sold by XXXX XXXX I am seeking alternate compensation for the damages to my credit report in the amount of said vehicle, ( XXXX XXXX XXXX XXXX ) before it was sold at auction. Thank you and Travel Light.

Bro. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

I DETECTED FRAUD ACTIVITY IN MY CITI CARD AND COMPLAIN WITH CITI AND PUSH TO DESACTIVE CARD INMEDIATLY AND THEY SEND ME OTHER BUT THIS I NEVER ACTIVATED AND THE FRAUD ACTIVITY KEEP GOING AND I REPORT IT AND SAID TO THEM THAT WAS THEY'RE RESPONSABILITY AND NOW THEY SEND REPORT ABOUT A CHARGE AT ATM!!! HOW!!! I HAVE'NT ANY CITI CARD ACTIVE SO I HAVE MY RIGTH THAT CITI IS WHO IS THE FRAUD EXECUTOR OF THIS ACTIVITY BECAUSE IF THEY NOT THE ATM HAS CAMERAS SO WACH OUT IT CITI TO ME IS EXTREME SUSPICIUS IN ATTITUDE AND VERY VERY VERY SUSPICIUS FOR DO NOTHING TO STOP FRAUD ACTIVITY..
Product: Debt collection

THIS COMPANY " MIDLAND CREDIT MANAGEMENT '' HAS BROKEN SOOOO MANY FEDERAL LAWS! MIDLAND CREDIT MANAGEMENT HAS BEEN HARASSING ME AND THREATENING ME WITH LEGAL ACTION AND I DON'T HAVE A CONTRACT WITH THIS COMPANY. I HAVE MADE SEVERAL ATTEMPTS REQUESTING " PROPER DEBT VALIDATION '' ( UNDER FEDERAL LAW ) AND A CONTRACT SIGNED BETWEEN MYSELF AND THEIR COMPANY AND THEY BASICALLY REFUSED TO SEND ME ANY VALIDATION WITH MY NAME " AND '' THEIR NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX XXXX XXXX on my credit report as well as fraudulent inquiries for a balance of {$6600.00} opened XX/XX/XXXX. My purse was stolen last year XXXX with all of my personal information in it such as my ID, XXXX, and I had some mail and other personal belongings in my purse that was stolen. Im a victim of identity theft and ask that you delete these Inquiries and account from my credit report immediately. 

Fraud Inquiries ( Company : ) XXXX XXXX ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX  ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX XXXX Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX  ( Date : ) XX/XX/XXXX XX/XX/XXXX