23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was a shirt press ordered from heat transfer warehouse without a wet ink signature between both parties meaning myself and the company heat transfer warehouse. One of the stipulations was a signature was needed for delivery. XXXX attempted to deliver the heat press but it had to be returned because no one was able to sign for the package. The package was sent back to the heat transfer warehouse unopened and undamaged. I reached out to heat transfer warehouse when I noticed the third party company named affirm that financed the heat press was asking me for a payment. I reached out to affirm to let them know the heat oress was returned and I never received the heat press. Affirm told me I have to call the company and get a refund which I did and heat transfer refused to refund affirm. I stated to heat transfer that the package was not signed fir, I never received it and signature was one of the requirements and since heat transfer received the item back unopened they need to refund affirm fully and the rep from heat transfer said NO. I told the rep I WILL NOT PAY FOR MERCHANDISE NEVER RECEIVED THATS A RIPOFF AND I WILL NOT BE PAYING FOR SOMETHING I DO NOT HAVE!. I reached back out to affirm and they told me to hit follow the instructions for a return on there website. Affirm then told me I have to make the psyments till heat transfer refund them the money and when heat transfer warehouse return the money to affirm then affirm would reimburse me any payments i may have made while waiting on my refund. I tols affirm i will mot pay a dime on something i never received and this whole situation is fraud and a money scam. I have emails from heat transfer stating they will not give me a refund even though I don't have the merchandise. This is illegal practice for both these businesses and a ripoff.
Product: Payday loan, title loan, personal loan, or advance loan

On Thursday XXXX, my vehicle was repossessed from XXXX ( store # XXXX ) parking lot at or around XXXX XXXX  by Wilshire Consumer/Westlake Financial . I contacted emergency services to be informed that the vehicle was in fact repossessed. I contacted Wilshire Consumer and spoke with a rep who advised she could push XXXX payments to back of loan if I made the XXXX payment of {$290.00} which I did. Since she didnt have any update on my vehicle even being repossessed I called back on Friday XXXX and spoke to another rep who provided me a total of {$850.00} in order to be able to retrieve my vehicle back. I was advised by the rep I needed to pay the amount through XXXX and it would be a direct payment that would post immediately so I proceeded to XXXX. I went to XXXX ( store # XXXX ) and paid {$850.00} and received a reference #. I called Wilshire to provide the details and a rep stated she would notate this information. She also informed me it was no way I would be able to get my car back before the weekend because they needed the payment to post in system in order for them to release the vehicle back to me. I called on Monday XXXX and was informed by a Wilshire rep that my payment was still pending and that I still would not be able to get my car released until that payment posted. I continued to call back for the remainder of the day to inquire about the payment showing up but it continued to show pending. I called Wilshire on Tuesday XXXX and spoke with a rep who stated the payment is showing and a release could take XXXX XXXX stated he would contact a supervisor to escalate the release to my car and placed me on hold. The rep came back to the line and stated in XXXX hrs the release should be sent over for me to get my car back. The release needed to go through XXXX XXXX XXXX just for them to send it to the XXXX company XXXX XXXX in XXXX, XXXX. I continued to call all day and even spoke with a supervisor just to get several different answers that did not line up with my earlier call. One rep stated I didnt it the repo fee where another rep stated it will still take another XXXX hrs after the release was submitted. I even called XXXX XXXX and they tried to contact Westlake to get the release since I had been calling them since Monday XXXX. I reviewed my contract with Wilshire Consumer to see where it states that it would take XXXX hrs or more for a consumer to receive their car back after they paid all repossession cost and I could not find it. They even took my car to another state which had raw meat groceries in the car. I have to make arrangements in order to drive to Georgia just to get my belongings and pick up the car.
Product: Mortgage

I purchased a home through Premier Mortgage in XX/XX/XXXXXXXX XXXX This property consists of XXXX tax parcels. Taxes were paid on all three from escrow initially, but the remainder of XXXX taxes, and XXXX taxes were only paid on one of them. Premier sold the loan in XX/XX/XXXX ( and it was sold again in XXXX ) and both companies who took over the loan have been paying taxes on all three parcels. 

Besides late fees and interest on the taxes, the property was assessed for taxes this year. I submitted an appeal because the change in taxes was astronomical ( one of the parcels had a XXXX increase in value! ). My appeal was not considered because of the back taxes, and I was not made aware of this until after the appeal period had closed ( this is when I became aware of the back taxes at all ). I lost my opportunity to appeal this obviously incorrect valuation, because of Premier 's failure to pay taxes correctly.

In addition to this, although I arranged Flood insurance through my insurer at the time of purchase, Premier took out their own flood insurance XXXX XXXX  and paid for this through escrow ( as well as the one I arranged ). They did not pay for the renewal of my flood insurance policy in XXXX, instead renewing their own. When they sold the policy, the new mortgage holder informed me there was no flood insurance, and when I tried to reinstate it through my insurer, the FEMA policy price had increased from {$2000.00} to {$10000.00}, because of the lapsed period. The new mortgage holder has taken out their own insurance, so I have not had to pay the $ XXXX, but I would like to return to having a FEMA policy in my own name, through my preferred insurer, but can not without this greatly increased cost, because of Premier 's failure to pay insurance correctly. 

I have tried to address this with Premier directly. When I call, they pass me around/put me on hold for hours while they " look into it ''. If I call back, they have no record of previous conversations, and start to do the same again. They refuse to engage in writing so I can have a record of their communication. I have no option at this point but to escalate this through CFPB. 

Attachments show my escrow statements from Premier and the two companies that have taken over the mortgage this year.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage with XXXX XXXX. In XXXX of 2020 XXXX XXXX  refinanced my existing mortgage with them to a new rate. First American Title is the Title company that XXXX engaged to file the Deed on the property. Upon completion of the refinancing process, First American Title did not file the Deed of Trust with XXXX County. I am currently trying to complete a refinance of my current mortgage with another mortgage company. In the process of completing the Underwriting for my new loan, it was determined that there is no record of my current mortgage. I have reached out to First American numerous times to try to resolve the issue by apprising of the issue and imploring them file the Deed of Trust. In my initial conversation with XXXX XXXX of First American, she informed me that the Deed was e-filed on XX/XX/XXXX. Earlier the same day that I spoke with XXXX, I spoke directly to multiple people at the XXXX Count Clerks office and was informed that there was and is no current Deed of Trust filed on my property. This delay and unwillingness of First American to resolve this issue will likely result in my loss of the rate lock and thus cost me several XXXX dollars over the course of my mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 anteater the report by more then 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: Bank account or service

I signed up for a Citibank Citigold account in XXXX XXXX partly because they had a promotion offering XXXX ThankYou Points if you met certain requirements such as paying a bill online. I met the requirements in XXXX XXXX and Citibank confirmed in writing ( via their secure E-Communications messaging system on their website ) that I met the requirements and I was eligible for the bonus. In fact, this was confirmed twice after I asked them where the points were because they did not post as they stated. I have attached those messages which also has the promotional ID that I am eligible for. 

I have been paying monthly service fees on this account partly because the points earned made paying the fees worth it. I think it is deceitful and misleading to promise points, confirm them in writing to me and then refuse to pay it. If I had not known I was not eligible as Citibank claims, I would have taken my checking account elsewhere and would have not been paying service fees.
Product: Credit card or prepaid card

Bank of America offered a two different balance transfer promotions for the same BANKAMERICARD. One promotion offered 15 months of 0 % interest and no balance transfer fee. Unbenkownst to me, I applied for the same BANKAMERCARD that offered a different promotion that was 18 months of 0 % interest but WITH a balance transfer fee. I only becasme aware of the balance transfer fee after the balance transfer. I contacted Bank of America and explained that I had intended to apply for the other promotion they advertised, that I was unaware that I had applied for a different promotion for the same card, and that I wanted the 15 month with no transfer fee option. Despite contacting them within days of applying for the card and the transfer, Bank of America customer service told me there was nothing they could do and I would have to pay the {$150.00} transfer fee. Bank of America 's promotions of separate offers for the same card is misleading and its refusal to address this is in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a deposit account with Pentagon FCU, simply an account for savings. I did not apply for a credit loan or any other type of credit product. However, a Hard Credit Inquiry was placed on my credit report record with XXXX, as Pentagon improperly performed a Hard Credit Inquiry which has negatively affected my credit score. 

I contacted XXXX XXXX in XXXX of XXXX regarding this issue. 

I have also tried to correct this error by submitting a dispute on 5 different occasions, each time the credit search has not been corrected. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX My XXXX XXXX has been negatively affected as my credit tier should be higher to qualify for lower rates on credit products.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I lost my wallet and it contained my Social Security Card, ID, and my Debit Card
Product: Debt collection

I have been the victim of repeated identity thefts and having to use my own time resorted to freezing my credit at all the major credit agencies. Yet somehow XXXX claimed I rang up over {$1000.00} in charges and then passed/sold ( I was not a party so I do not know ) " my '' debt on to collections agency who then proceeded to file a collections report to at least one credit bureau XXXX All this happened without either XXXX, or Credence Resource Management using ANY attempt to contact me. Only when my own third party firm notified me of a drastic drop in my credit score did I see that XXXX reported a collection against me by Credence Resource Management. How are these two companies allowed to claim I owe them money, and then use XXXX to damage my reputation, and make me use my valuable time, to correct their errors? To fix their errors, they wanted an absurd amount of personal information, including SS # etc -- Why would I trust any company that just facilitated fraud against me with this information?
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a serious issue regarding my credit report. Upon reviewing my credit reports from [ Name of Credit Bureaus ], I discovered evidence of identity theft. It has come to my attention that unauthorized accounts have been opened under my name without my knowledge or consent. 

I understand that under the FCRA, you have 30 days to complete this investigation and provide me with a response. Additionally, I urge you to place a fraud alert on my credit reports to prevent further unauthorized activity. 

The following unauthorized accounts have been reported : XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely examined. In spite of my endeavors, I still can't seem to get any goal or remedial activity. These incorrect records are seriously harming my credit document and obstructing my capacity to carry on with a typical life. The adverse consequences of these errors have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on at the earliest opportunity. I benevolently demand that you lead a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and uprightness of my credit record so I might recover command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for the credit card but I went out of town in it show that I got a credit card in I owe
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 Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX CARD Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX XXXX FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX  Account Number XXXX ( fraud ) XXXX XXXX Account Number XXXX ( Inaccurate reporting has reported paid in full due to auction sell on report then re put on credit as a separate debt. Was not notified by certified mail of a debt after sale per Texas law ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXXXXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX BANK Account Number XXXX ( FRAUD ), XXXX XXXX XXXX NA Account Number 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 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 reporting or other personal consumer reports

Subject : Complaint Against XXXX regarding Erroneous Credit Reporting, Student loan discharge, Compensation Request and Failure to Issue 1099-C.

I am filing this formal complaint regarding longstanding issues with XXXX and the previous reporting of a now discharged student loan. Below are the details of my concerns : 1 ) Inaccurate Credit Reporting for 17 years ___________________________ This XXXX student loan in question has been inaccurately reported on my credit report since XX/XX/XXXX ; Despite Identity Theft Report, several Complaints with XXXX and credit agencies that always came back VERIFIED as the Credit Agencies continuously Parrot off of XXXX  without proper investigation. 

XXXX ) Loan XXXX letter XX/XX/XXXX ___________________________ A complaint was filed with the CFPB XX/XX/XXXX regarding XXXX and the Credit Agencies, The Federal Student Aid as OFFICE of the U.S. Department of Education ; " DISCHARGED '' this loan and as of XX/XX/XXXX the Credit Reporting Agencies XXXX TransUnion, XXXX XXXX XXXX REMOVED this loan off of my credit report. In addition, XXXX sent me a letter XX/XX/XXXX stating my loan was DISCHARGED. 

XXXX ) Request for Compensation and Issuance of XXXX form for DEBT CANCELATION for tax purposes. 
___________________________ I am requesting compensation from XXXX in the amount of {$5000.00} to be deposited into checking acct # XXXX, immediately for financial and emotional distress caused by XXXX inaccurate reporting for the past 17 years, even though it exceeded the XXXX - year reporting period allowed under the Fair Credit Reporting Act ( FCRA ) Per 15 U.S.C. 1681c ( a ). 
I also request that XXXX issue a XXXX : Debt Discharge for this XXXX TAX YEAR ; therefore I can fulfill my tax obligations according to the IRS. Please forward this form XXXX ( DEBT CANCELATION Form ) promptly to : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 

ATTACHMENTS ___________________________ XXXX ) Documents showing loan discharge XX/XX/XXXX XXXX ) Credit reports showing the loan extended reporting period XXXX ) Multiple disputes has been filed throughout the years, with no resolution, and this inaccurate information was verified without reasonable investigation. 

I request the CFPB 's assistance in resolving this imperative matter promptly. 

Sincerely, XXXX XXXX XXXX ______________________ XXXX XXXX ALL RIGHTS RESERVED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I requested complete debt validation I did not receive complete transparency This debt was written off with a XXXX balance. I'm requesting XXXX XXXX XXXX provide valid documentation that verifies the amount they paid to buy this debt of {$1000.00} I want to see the signature I put on any contract guaranteeing I would pay XXXX XXXX XXXX  for this debt. I want proof XXXX XXXX XXXX have the chain of title to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions