23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While checking credit report, I found this DEBT from XXXX. I have been a victim of identity theft and fraud. I have never used XXXX and never received letters about this DEBT.
Product: Credit reporting or other personal consumer reports

Upon checking the data breach by Equifax I realized an account this due to fraudulent activity. It is an account from XXXX XXXX XXXX. Also.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inquiries I did not authorize This account is causing me financial hardship due to this data breach I'm seeking financial compensation for this account hurting my credit and making me vulnerable to threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX continues to report false and erroneous debt on my credit report. My wife and I moved out of XXXX XXXX XXXX in XXXX, Ga XXXX on Saturday, XX/XX/2020. We were let out of our lease due to XXXX not keeping a safe environment for my family and I which a XXXX  complaint was filed. 

XXXX XXXX the Area Manager for XXXX sent my wife an email on Mon, XX/XX/2020 at XXXX XXXX, stating : " Thank you for discussing your issues with me this morning. I have attached the move out instructions for your move on Saturday, XX/XX/XXXX. In addition, I want to confirm that there will be no lease termination fees added to your move out. Also, within that time you will not have any of the construction team members coming to your door to administer any work. '' I have attached this full email in PDF format for confirmation of this email form XXXX. 

Experian and XXXX also reported a false address on my credit report : XXXX XXXX XXXX XXXX, GA XXXX I never lived at this address, this is a friends address that they had my car towed back to temporarily after the company wrongfully and unlawfully had towed to an impound. This is also in the email attached to this complaint. On my credit report Experian and XXXX is reporting this debt is a vehicle lease debt, how can I owe a property management company that I rented an apartment from a vehicle lease debt? which is erroneous and totally false. So they continue to violate my rights by reporting false information on my reports. 

I disputed this matter with Experian several times and they continue to violate my rights after providing proof to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute  to have a Public Record  removed from my Transunion and   XXXX   credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied, but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score  and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Subject : Formal Dispute Illegal and Inaccurate XXXX  Reporting by U.S. Bank Dear U.S. Bank and XXXX, I am submitting this formal dispute against U.S. Bank Corporation regarding the unlawful reporting of a business account on my personal XXXX report. Under 15 U.S.C. 1681a ( d ) ( 1 ), this information should not appear on my personal file.

Disputed Account Details : Bank Name : U.S. Bank Corporation Address : XXXX XXXX XXXX, XXXX, OH XXXX Reported For : Account Abuse Date of Closure : XX/XX/year> RTN/Account Number : XXXX / XXXX Original Charge-Off Amount : {$110.00} Closure Status : Unpaid ( As of XX/XX/year> ) Violations of Federal Law : Illegal Business Account Reporting Per 15 U.S.C. 1681a ( d ) ( 1 ), business accounts should never appear on a personal consumer report.

Failure to Validate the Debt Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), furnishers must provide verifiable proof of the debt upon dispute, which U.S. Bank has failed to do.

Furnishing Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of inaccurate or unverifiable information. 
Failure to Conduct a Proper Investigation 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate disputes before verifying data as accurate.

Requested Resolution : Immediate removal of this illegally reported business account from my personal XXXX report. 
Written confirmation of its deletion.

An investigation into U.S. Banks unlawful reporting practices.

Noncompliance may result in legal action. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Opened a Home Depot card after receiving a letter in the mail, followed by an email advertising 18 months 0 % interest. I receive the card and begin using it, but when I login to the site it only says 6 months special interest. I send them a message asking for them to clarify and they respond with extremely confusing and lengthy amount of steps that need to be taken to request additional time on the interest charges on a per transaction basis. I am still receiving letters asking me to open a card with 18 months 0 % interest.
Product: Vehicle loan or lease

On XX/XX/XXXX I took out a loan with Credit Acceptance for XXXX XXXX  XXXX from XXXX XXXX of XXXXi couldn't afford the exorbinate extra fees on the loan and voluntary surrendered the car back to Credit Acceptance and on XX/XX/XXXX they garnished my wages at 25 % effective immediately for {$7900.00}. And tackin on {$3000.00} in fees. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Ohio XXXX
Product: Payday loan, title loan, or personal loan

I think the APR ( 149.62 % ) is to much. The loan was for {$2000.00} by the time the loan is paid off I would have paid back {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to make you aware that I have been a victim of identity theft and am not responsible for the following accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding deletion of these items from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Police Report and Federal Trade Commissions Identity Theft Affidavit for this case. 
Section 605B states that if A account is the result of identity theft, then it must be removed from my credit report. 


THIS REQUEST HAS NOT BEEN MADE IN ERROR I DID NOT OBTAIN POSSESSION OF GOODS I DID NOT RECEIVE SERVICE OR MONEY AS A RESULT OF ANY TRANSACTION ISSUE. 
THIS IS ME ( XXXX XXXX XXXX ) SENDING IN THIS REQUEST DO NOT SEND ME A STALL LETTER ABOUT ANY THIRD PARTY OR CREDIT REPAIR COMPANY I HAVE INCLUDED MY IDENTIFICATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my credit score 100 points and will not tell me why- for over six months hard inquiries were on my report and did not effect my score also they for mtge requests apparently from a real estate broker who had my personal information. I think from the beginning all these requests were approved although I was never a party to this answer. after a XXXX phone purchase and furniture credit request with XXXX the report was then effected. Equifax says XXXX XXXX determines score and XXXX XXXX denies this. No one can tell me how to improve this score in real time
Product: Mortgage

Hi, my name is XXXX XXXX ; i am a widow who semi-retired XXXX. I live in XXXX. The Franklin Credit Management bought out my second mortgage a few years ago when my house was upside down -- dropped almost half, and placed a lien on my property. I have been trying to settle this since then, but no avail. It is almost upsetting and frustrating how they kept on telling me to counter offer against their offer of {$31000.00} as a final settlement, but never mentioned about the expiration date, which was last XXXX XXXX. Had I known that there was an expiration date on their amount, I am 100 % certain I could have made better decision ~ different approach to make sure this burdensome ordeal would be finalized then. I had to retire from Post Office, so I did not have a regular income like before, so I was trying to see if I could lower the final settlement amount lower than {$31000.00} since I had to borrow this money. But to my disappointment and discouragement to the point of anger for their deceitful attitude -- never mentioning not even once, something like this before XXXX whenever I had called ; I called several times : 'Can you consider this offer would be expiring on XXXX? ' I have to wonder if they had to be this deceitful. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' letter to me. I had filed chapter XXXX in XX/XX/XXXX, so if someone could explain the top part of this notice ( if you want me to send you the entire pages, I need your email address ) page XXXX where it said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation ', I would greatly appreciate it since I am totally confused ; they said this debt was excused ; then, they would like to accelerate???. 
Would you pls do me a big favor to help me settle this with their initial amount for me since they dealt with this dishonesty? I have XXXX different licenses -- life and health, property and casualty, Series XXXX, series XXXX ; each ethic class I had taken for these licenses, they emphasized how important it wass to inform your customers with every important factors to help them make a better XXXX right financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

Thank you in advance for your help! THX! 
Have a good day/week! Happy XXXX XXXX! 

Sincerely, XXXX
Product: Mortgage

I was divorced several years ago and my ex took possession of our home. The mortgage was in his name and was/is being held with BBT/Suntrust/Truist. My ex was a veteran so this was a VA loan. 

In late XXXX in court my ex signed the home that was 2 years behind on payments over to me. I paid the {$20000.00} which was owed. This check was cashed by XXXX on XX/XX/XXXX. This brought the home current and up to date and satisfied the foreclosure. All was good at this point. 

I began the process of refinancing the home in late XXXX or early XXXX. When the new financial institution tried to get a payoff amount I noticed a difference in the amount and what it should have been. I contacted XXXX and tried to find out why I was being charged nearly {$800.00} more than I should have. I questioned them about these fees which they tried to explain {$300.00} and some off as escrow being in the negative. The escrow was NOT nor has been in the negative. When I told this to the man on the phone with me he stammered and stuttered and then said this amount had to do with the fact the home had been in foreclosure. I again said " no, I have already satisfied the amounts for the foreclosure '' ... The man then quickly ended our conversation. He could not tell me why I was being charged anything. He disconnected the call. 

My latest statement shows I am being billed for an appraisal, which I don't know when they allegedly performed. The appraisal didn't happen after I took possession of the home and I 100 % know this as I changed the door locks and I placed a new lock on the gate to the property. The appraisal fee is {$520.00}. My issues is with their ever changing amount and the appraisal fee. I understand some of the fees are taxes ( no problem ). Again, they never did a complete appraisal after I took possession of the home as the locks were changed XX/XX/XXXX and prior I took care of all charges related to the foreclosure with the {$20000.00}. They also haven't given me a date as to when this appraisal allegedly took place. They show when the fee was assessed ( XXXX ). 

On XX/XX/XXXX Suntrust/Truist/BBT cashed the check which brought this current taking this out of foreclosure. If the appraisal in question took place after XX/XX/XXXX why should I be responsible for this? I have requested the date the appraisal took place and have not received an answer. Without this information I can not determine if this charge is valid ( which I don't believe it to be ) Also, Just so you're aware XXXX XXXX ( the man I was with at the time ) was on the court document stating he could also receive information on this home. Calls were ended due to XXXX speaking with me in the background even though I explained he legally had the right to this information as well. 

As of XX/XX/XXXX, neither myself, my attorney covering the closing on the refinance, or the banking institution I'm going with to cover the new loan can get a payoff amount or balance from BBT/Suntrust/Truist and this has been going on for nearly a month holding up my ability to refinance this home and take it out of my ex husbands name. 

Thank you,
Product: Checking or savings account

CapitalOne quietly slashed the interest rate for existing savings account holders, and seems to have stopped new enrollments to that savings account type. It now offers more than twice the interest and no minimums or fees to new savings account holders, but did not directly inform existing account holders they were being targeted for interest rate reductions, nor offer to automatically transition them to the new account type with the better interest rate. This effectively robs high balance savers of hundreds of dollars per year. It seems hugely unethical to me to slash rates and then reoffer a better product to new savings customers without informing savings existing customers.
Product: Debt collection

CONVERGENT RESOURCES continues to call my home trying to collect on a debt that has long since been paid. Judging by the other reviews of this company I have found online, this is a common practice for them and is likely some sort of fraud.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 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. The accounts that are in violation of my rights are listed below. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I informed through this means here at the C.F.P.B. so many times that is now close to 50 complaints, plus the 3 federal Courts system, without including the many times XXXX was contacted before all that, when I never thought this was going to end at Supreme Court of the United States at all, I disagree with the recent elimination at XXXX XXXX, just like XXXX did silently and now they just say those accounts are not at their credit report, of my 2 accounts with XXXX in question, the XXXX XXXX XXXX XXXX and XXXX Personal Loan. Is not precise either to do that and it does not solve the several years, since the year XXXX  more exactly, of incorrect, not precise, and even fraudulent credit reports by XXXX Bank about my accounts. But this complaint I decided to file, is because there is something new, not able to include in my previous complaints. 
At the same time XXXX is informing here consistently, that my complaints does not belong to them, which is something I disagree, I just found an automated e-mail that is not an automated e-mail, which I was unable to see ( until 3 days later because it ended at the Junk Mail Folder of my e-mail as the print screen image shows, not having this e-mail listed as safe, never received any e-mail from them before ) .The heading of the e-mail says it is an automated response? included as evidence in an attachment so the C.F.P.B. can see, that for an automated e-mail message, the fact is it includes specific information, that normally is not included on any automated response : It includes a specific message directed to myself from XXXX, that says the following. 
I do not like to be receiving 2 messages, one in front of the C.F.P.B. and a different one when the C.F.P.B. is not watching. I took to Court several incidents also where the federal judges allowed and practiced Judicial Misconduct, and this incident where another Advocate is assigned without informing it through the C.F.P.B., is simply not correct. I do not want to hide anything, like they do, so here is and I quote : " This is an automated response, and the email box is not monitored. 

Please do not reply to this email. 

Dear XXXX XXXX XXXX XXXX, Please be advised that the XXXX Executive Office is in receipt of the concerns that were presented to the Consumer Financial Protection Bureau and case # XXXX has been opened for research and resolution. 

Executive Office XXXX XXXX XXXX has been assigned to your case. We are currently in the process of researching the concerns that you have presented and will be in contact with you to confirm the details pertaining to this matter. 

It is our goal at XXXX to carefully review matters raised by our Customers, and we appreciate your patience as we review your concerns. 

How to contact us : Our office hours are Monday through Friday XXXX to XXXX Phone XXXX We appreciate your business and allowing us an opportunity to address your concerns. 

Respectfully yours, XXXX XXXX XXXX XXXX
Product: Debt collection

This account is not mine. This is fraud. I never use XXXX as the service and they added this to my account. I am on XXXX XXXX XXXX for the last XXXX years I use XXXX XXXX and thats {$50.00} a month. This is not my account. Can this please be taken off immediately. I was never notified and they added this to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C.1681 Section 602 A. States that 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.
Product: Mortgage

Started process on  XXXX / XXXX /  XXXX  .   Denied HELOC renewal. Self employed  XXXX .    Credit Score  :  XXXX  -  XXXX  percentile, {$850000.00} in The liquid assets. Balance on HELOC {$52000.00}.  Home Value  : {$220000.00}. Second home value {$160000.00}, equity {$100000.00}.   All bills paid by occupant, land contract in place.   Implied I file false tax returns and mortgage application.   " We can not verify where your business deposits come from. '' " What would I do if the IRS audited my tax returns. '' These quotes were made by  XXXX   XXXX . Refused to let me talk to underwriting. Complained to the office of  XXXX   XXXX . She refused to look into my complaint
Product: Debt collection

I was viewing my credit scores on XXXX XXXX because I have been rebuilding my credit after a bankruptcy many years ago and all of a sudden I saw my credit score dropped almost XXXX points. I had no idea why because all my bills have been paid on time for a long time now and I have even gotten new accounts. So the day I was looking some company called Cavalry portfolio had reported me to the credit bureaus that I owe them over {$4000.00} I had no warning from them, no contact from them just a notice on my credit report that it was sent into collections. I want from them to one stop bothering me through my credit reports I am taking this " Account in collections '' as a threat- I want this in collections taken off my credit report and if for some reason I do owe them money I want them to validate to me without a doubt how I owe them money. I want to know if this is a old debt from my bankruptcy and OR where this debt originated from, because I have no remembrance of it or this Cavalry portfolio. Their tactics are VERY UNPROFESSIONAL and unreasonable.
Product: Credit reporting or other personal consumer reports

I applied for credit and was denied as the TransUnion report showed delinquency when the accounts were being paid through XXXX XXXX bankruptcy. This resulted in denial as it appeared I misrepresented what I put on my credit application. I wrote to the credit bureaus and their response was it remains 'NO CHANGE NEEDED. ' Additionally, I advised that the bankruptcy has also been discharged and requeested to be updated and this matter was not even addressed in their short response.
Product: Credit card or prepaid card

On XX/XX/2019, I noticed an inaccurate reporting to my credit report from Navy Federal Credit Union send a letter of verification/ validation of the alleged debt. My letter was VERY clear on what I was requesting to ensure this debt was mine As a response from the ORIGINAL creditor dated XX/XX/2019 was that " we have completed our 'investigation ' ''. 
What was the investigation? Where are the results of this investigation? How was this information investigated? 

After the ORIGINAL creditor blatantly and arbitrarily disregarding my request, I sent a follow up letter on XX/XX/2019 ( I was waiting for further information of the alleged investigation and It never came ) letting Navy Federal Credit Union know these things an that their response doesn't met the FTC guidelines of proper debt validation.
Product: Debt collection

On XX/XX/XXXX I received a call at my place of work, when I returned the call it was a company by the name on XXXXXXXX XXXX  attempting to collect a debt from Check N Go. I was also contacted On XX/XX/XXXX by XXXX with XXXX XXXX XXXX, which was a pre trial mediator regarding a debt with Cash N Go pay day loans which I was not familiar with. She threatened that I would be served and would be taken to court. When I expressed that I did not have knowledge of a pay day loan and if she could give me more information she stated she did not have the amount of the loan that I owed and that she had no information on the company. She continued to raise her voice and yell at me and say that she was going to look up my social and my credit to see if I had a fraud alert because I was not aware of this debt and as I did not have a police report or a fraud alert I would be liable and would be taken to court and served papers to appear in court. I am not aware of a loan with Check N Go and I requested more information ( amount, date, account number, etc ) and she refused to provide, she continued to yell at me and said I would be served and hung up the phone. These companies continue calling and use different name and it is very deceptive. Ive contacted Check N Go and they have no record of a loan with my information.