23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rather than communicate these problems over and over, I will submit previous case numbers, which are : XXXX and XXXX. XXXX XXXX XXXX and Cooling & Winter. 

I gave feedback in both cases, apparently to no avail, because both companies are continuing their reign of terror. According to your representative XXXX at CFPB today @ XXXX, my feedback was not submitted to XXXX XXXX XXXX and Cooling & Winter . 

Cooling & Winter has since called me, and has terrified an XXXX XXXX XXXX senior citizen by sending strange men to the resident 's home WHERE I DO NOT RESIDE. 

Cooling & Winter has not kept their word in their answer to the CFPB and has not removed those lawsuits from that listed address where I do not reside. They have added an additional address onto the lawsuits where I DO NOT RESIDE, and chose to terrify an XXXX XXXX XXXX  resident to death with strang men acousting him. 

XXXX XXXX XXXX has decided to continue mailing sensitive banking info to the address WHERE I DO NOT RESIDE. THE RESIDENTS PROMPLY TOOK PICTURES OF THE PACKAGES BEING RETURNED TO THE POST OFFICE AND EMAILED a copy of THEM TO ME. 

All this Additional information can and will be used in the lawsuit for all the embarassment and humilation caused by all the wierd people and attorney letters sent to their home by Cooling & WinteXXXX and XXXX  XXXX XXXX as an accomplice. 

** ALSO PLEASE REMBER ALL THE XXXX 'S THAT YOU SENT TO HARASS THAT FAMILY ARE DOWNLOADED ON FILM SECURITY FILES. ** EVERYONE COOLING & WINTER, AND, XXXX  XXXX XXXX HAS CONTACTED AND HARASSED ARE JOINING THE LAWSUIT. 

I have made both companies aware of my homelessness, chronic illnesses, and financial situation several times. This continued harassment and humilation is meant to drive me to a suicidal state. Because both companies know there is no way I can possibly pay any financial obligations.
Product: Payday loan, title loan, or personal loan

I have applied for a loan of {$1000.00} dollars and I did not sign loan agreement from this predatory company. After researching XXXX I see that many people have been duped. I wouldve ended up paying {$5600.00} after interest payments. I will now monitor my credit cards and banks to see if they are going to go ahead and process their scam. In a time of need when many people are struggling we dont need people like this. I have used CFPB once before and along with the DOJ we successfully sued XXXX XXXX for the CRSC violations. Quite simply XXXX needs to be shut down
Product: Credit card or prepaid card

Continuence of Complaint Ref number XXXX Ref Number : XXXX for American Express. 

American Express has violated 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. 

Attached files : -Intent to sue -Affidavit of truth -Evidence of their violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to XXXX  and Transunion a collection in the amount of {$930.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy  of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Product: Debt collection

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Acima Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/year> regarding account # XXXX. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Agreement with the creditor that authorizes you to collect on this alleged debt ; XXXX. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX ( Debtor Signature ) XXXX XXXX ( Debtor Printed Name )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account placed on my credit on XXXX, experian and XXXX. the account was INCORRECT AND REMOVED. HOWEVER IT IS STILL REPORTING ON EXPERIAN XXXX XXXX. I AM SUBMITTING PROOF OF ERROR AND REQUESTING THAT IT BE REMOVED IMMEDIATELY.
Product: Mortgage

When we moved to Kentucky, we lost all of our investment in our home. The title office we used to buy our house created a fraudulent title report to get the bank to give us the loan. Now, the bank will not give us the information we need to fight our case in court. Our homeowner 's title insurance is asking for the information our bank will not provide. Our bank did not audit any of the info the title office gave them and approved the original loan. We recently were denied a HELOC loan by our bank, because we don't have " clear title '' on our house. We need the bank to help us defend ourselves in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, Equifax, & XXXX to have XXXX inaccurate collection accounts removed from my credit report several times. The first request was submitted on XX/XX/year>. I have asked all XXXX of these companies to verify these alleged debts, and I have not received a response, however, my credit profile has been updated to show that the collections meet FCRA guidelines which is false. I have disputed both by mail and online. The online dispute came back verified the same day, in which, the credit bureaus have not even had time to reach out to the collection agency to verify a debt. I have also reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, the XXXX companies that are reporting inaccurate information to the above-named credit bureaus and they have yet to supply the information requested and it has been more than 30 days.
Product: Credit reporting or other personal consumer reports

There are 3 inquiries on my credit File on XXXX Credit Bureau. 
This Inquiries were not authorized by me. 
Please remove it from my credit file. 

1. XXXX XXXX XXXX XXXX- Inquiry : XXXX XXXX, XXXX XXXX. XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. PENTAGON FCU-XXXX  -- Inquiry : XXXX. XXXX, XXXX
Product: Mortgage

My husband and I refinanced our mortgage XXXX of last year wot NewRez Mortgage services. Our old mortgage was with NewRez and new mortgage is with them. So this should have been a rather seamless refinance. XXXX was our first payment with the new account. Since our payment was auto-draft, we inadvertently paid our XXXX mortgage to the old account. Well, every since that has happened I have been trying to reconcile the mortgage with NewRez. I've been calling them every month because they continue to show that my mortgage is behind a month and I have been incurring late fees. When I call and speak to one of the representatives, they say that they see where we paid the XXXX mortgage to the wrong account but they can't move the payment over to the new account. Every month that I've called since this has been happening, they say they will mail the XXXX check to me so that I can apply it to my mortgage and solve the issue. The check is never mailed to me and now my credit score is declining as a result of the late fees month-over-month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX XXXX XXXX Account # XXXX, open : XXXX, status Paid and closed with {$0.00} balance and Equifax credit bureau. Back on XX/XX/XXXX I sent a letters to the mentioned companies letting them know that Im a victim of fraud and account has to be removed, as required by the California Reporting Act, due to the fact its fraud related. The fraudulent account was removed from the other 2 credit bureaus only Equifax has not done so, making a violation to the FCRA. Im attaching the letters a sent to the mentioned companies on XXXX, with a Federal Trade Commission report that was also sent to the mentioned companies. This account has to be removed from my Equifax credit report or else I will take legal action in the event that this account remains in my report. I have a {$400000.00} mortgage loan pending due to this error of this mentioned companies. This is my last source Im using to fix this error and if it is not fix it will be resolved in court. I would also want to request a deletion letter from XXXX XXXX through CFPB portal as soon as possible to provide to mortgage company. Thank you!
Product: Debt collection

Aargon Agency is attempting to collect on an alleged debt that I do not owe. This continued harassment is causing me significant harm and emotional distress. I have never done any business with Aargon and demand that they cease and desist any further communication with me in regard to this account. Pursuant to the FDCPA I am refusing to pay this alleged debt and do not want any further communication with this company. Any communication with a consumer reporting agency in connection with this account will result in a federal or state lawsuit.
Product: Credit reporting or other personal consumer reports

TransUnion has unlawfully reinserted previously deleted accounts onto my credit report without providing the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). These accounts were previously removed as unverifiable, yet they have been added back without any notice, explanation, or supporting proof, violating my rights under the Fair Credit Reporting Act. Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion is required to conduct a reasonable investigation within 30 days of a dispute, yet multiple dispute letters have gone unanswered without a valid response, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ). Furthermore, neither XXXX nor XXXX has reinserted these accounts, confirming that TransUnion has failed to follow proper reinvestigation procedures. I demand the immediate and permanent removal of these accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with written confirmation of their deletion and assurance they will not be reinserted unless proper legal procedures are followed. Given the CFPBs ongoing lawsuit against XXXX for similar violations, TransUnion must take this matter seriously. Failure to comply will result in me seeking {$1000.00} per violation found on my consumer report.
Product: Credit card or prepaid card

I found XXXX charges for {$95.00} on my account when I checked this morning [ XXXX ]. They were all made on Saturday XXXX. All reference a city in Idaho with a random name attached. I have been calling the company but each person says they send everything to one department and nothing else can be done. The department leaves me on hold for hours and never answers. It hangs up on me at about 1.5 hours. I am currently on hold and can hear the person shuffling and a dog barking behind the hold music.

According to the credit forum this is going on with several other cardholders so I believe it is a breach.
Product: Mortgage

I applied to refinance my mortgage with Wells Fargo last XXXX. To the best of my knowledge, I was approved.I spoke with XXXX & XXXX and everything was fine. After my home appraisal, I lost communication with my loan officer for a month and a half. I tried filed a complaint with Wells Fargo which got drawn out until last week, It appears the resolution specialist wanted to wait until I closed the loan to notify me everything was good. No investigation was done. 
We finally closed the loan last week. I was assured the closing company would send the checks to my debtors. It appears they tried saving postage and mailed me all 3 checks. I sent the checks to my creditors last week and so far, 2 of the checks have been returned by the closing company 's bank. 
Wells Fargo and their 'independent ' closing company have made my credit drop almost 100 points due to my debt usage. I have payments that have to be paid by the XXXX and because of whatever is going on with Wells Fargo, it appears I have to pay these creditors even though it was not in my budget. 
Wells Fargo has been incompetent, nonchalant and very careless with this process. They have a big name tat I expected better from, but so far I have received 1 star treatment, 1 star service and 1 star competence. I am not sure if they do not know what they are doing or if they just won't do their job. On the other hand, it could be some sort of profiling. I've tried wrapping my mind around everything going on, and their actions make no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Original Creditor, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : 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
Product: Credit card

Earlier in XXXX, I was victim of a common scam called XXXX swapping. They got access to all my information and accounts. They charged thousands of dollars in micro transactions to my cards to some online stores that sell video game add ons that are worth thousands of dollars. When I realized this, I filed fraud with the banks and handled the situation with tmobile. All of my card accounts including discover and XXXX have confirmed that it was fraud and returned the money case closed, chase bank however has denied the fraud claim and is forcing me to pay {$3700.00} in charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 30 plus days of no response.
Product: Credit card

I have a Cite Driver 's Edge credit card. Every time I make a purchase reward dollars are accumulated which I can use toward the purchase of a new car. I purchased a new care in late XXXX and submitted the paperwork. i heard nothing for 6 weeks. When I started calling the number for rebates I kept getting the general help line. Eventually someone told me to resubmit which I have done. 


The phone is in a loop the rebates number goes directly to the general call center number. When I talk to someone at the general number they tell me no that is not happening and transfer to the general help number. 

I want to get my rebate check.
Product: Debt collection

I received a bill for {$150.00} from XXXX XXXX and sent a money order for {$150.00} to XXXX XXXX XXXX, XXXX, Maryland XXXX via united states postal service mail and delivery confirmation reports it was received on XXXX/XXXX/2016 at XXXX. Despite this, I received a letter dated XXXX/XXXX/2016 from Receivables Management Systems ( a collection agency for XXXX ) reporting that I have a remaining balance of {$54.00}. I do not, because I owed {$150.00} for the service and paid it in full in XXXX 2016.
Product: Money transfer, virtual currency, or money service

Ive tried getting my money back from ruined money orders and sent them pictures of the damaged money orders and they refused to send them even though I followed policy procedures and no one else is claiming ownership of the money orders! 

XXXX ) XXXX {$500.00} XX/XX/21 XXXX ) XXXX {$250.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} Ive sent pictures of each money order next to my id and drivers license and followed policy procedures to obtain the refunds and I just kept getting blown off, hung up on and ridiculed, Ive been trying to get these refunded for over 6 months now!!
Product: Debt collection

i was sent to National Credit Systems collections for XXXX $ for 60 days of rent. even though i only failed to notify my ex-landlord XXXX XXXX 20 days before my leave. another thing those XXXX XXXX never returned me my deposit back and never explained to me why they didnt. i tryed to explain them that i was a victim of XXXX XXXXXXXX and a single mother and as soon as i found something i rushed to move out. especially for 5 months i paid them more. also i tryed to work for failing to notify them only 15 days because i did so 5 days ahead. their agreement also was saying they would keep the deposit OR one month rent. they kept both. people from collections dont return my calls, never showed me anything proving i have to pay for 60 days. because of them im not able to rent apartment and my name is spotted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information listed below is inaccurate and I am requesting all three credit reporting bureaus to Delete the inaccurate information below. 
PREVIOUS ADDRESSES : 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
Product: Vehicle loan or lease

I leased a car from Kia Motors Finance on XX/XX/2018. It was stolen in XX/XX/2018. My insurance company ( XXXX ) at the time deemed it as a loss and paid Kia Motors Finance over {$19000.00} ( the value of the car at the time ). XXXX took the deductible out of the final check that they paid to Kia Motors Finance and in turn Kia Motors Finance stated that I have a balance of {$1600.00} due to the deductible that XXXX took out of their final payment. I called them and ask about the GAP insurance that was included on this Leased vehicle and they told me that the deductible is not included for GAP insurance. I told Kia Motors Finance that XXXX is not asking for the deductible because they have been satisfied and I am curious to know why Kia Motors Finance is acting as a insurance company. 

Kia Motors Finance is now making me pay for my car being stolen even though it had GAP insurance and everything was taken care of through XXXX. I made a payment arangement with them to prevent it from going to my credit and keep it inhouse. Well it hit my credit report as a missed payment which made it go down by XXXX points. Then a week later they reported as a closed account delinquent with a balance which in turn made it go down another XXXX points even while being on a payment plan. I asked XXXX XXXX XXXX could they not hurt my credit because I am paying them as agreed. 

I can not finish my home project because of this and I feel like I am suffering for something that was beyond my control. 

The amount in question is {$1600.00}. I have paid them {$350.00} which should leave a balance of {$1200.00}. They have reported a balance of {$1500.00} and that it is delinquent.