23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Hello Consumer Financial Protection Bureau? I am XXXX XXXX, I am Writing to You All about trying to apply on Several attempts, To apply for a Payday loan at Ace Cash Express. The first time was On XXXX XXXX XXXX. I was turned down due to mistakes on a credit report. Then, I wrote and asked them what happen on the application? They then, wrote to Me again and told me to apply One more time at the same place. I did what they told me to do over the Phone. I applied two times in ONe day? I still was turned down. Then I called the Corporate Office on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXe. Told me to wait on the Certified Letter coming in from her? I did. It came in on XXXX XXXX XXXX. I stated I did not owe them anything so I should NOT have any trouble reapplying for my loan. I waited Until the day, of XXXX XXXX XXXX. I went to the store on XXXX XXXX here in XXXX Tennessee. She then said where is the Letter, I gave it to her, and She laughed at Me. She then, took the information and told me to write all of it down. I did again and fill out the loan application to get started with. I did? She then told me to write on the application my full name address and how much of the loan I qualify for. She then said, Ok? then 2 pieces of Paper come up and she told me, My XXXX XXXX You do not qualify for a loan. I then asked here why? She told me that the XXXX pulled up some derogatory information that was in the computer at the time. I told her my score is XXXX and why are you all using a POS machine on a Payday loan anyway. I did not know we had to have very good credit in order to receive a payday loan. That should not have happen on the third time around. She basically pulled information up so she would deny me of the loan. I then told her, Let me speak to the Owner or the manager. She then told me to leave, because the owner is not here, and I needed to get Out '. She had ran a credit check on me without, My permission or telling me this information. Then they would not let me speak to anyone on it. Calling the texas office, did not help either. they said she did what was right from the start. I do not think Pulling Up a credit Report without, permission or even asking me before hand was Right. This is how I was turned down for the Loan in the first Place. She called me today and asked me to go to other places To Reapply, I said No, I may report this to someone. It is unfair to Me. I do not have anymore gas to go and reapply at the same place or even another store. She then Hung up the phone. I think this is just wrong to do customers this way.
Product: Mortgage

I bought my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX back in XXXX of 2020. When I originally bought my home, I put down close to 15 % down and was required to obtained mortgage insurance due to mortgage regulations which I obtained. After 6 months I noticed that I had much more than 20 % equity and I submitted multiple request in writing to my current loan servicing company and the continue to deny my requests every single time. I was able to research mortgage guidelines directly with XXXX XXXX and XXXX XXXX and was able to find that I had the right to remove my mortgage insurance when I could prove I had more than 20 % equity which I have tried to prove, but my mortgage servicer wont let me prove. I want to be able to remove my MI and this company uses abusive tactics from prevent me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit card

I made a purchase on my Citibank credit card XX/XX/XXXX regarding an on going service issue I had with the retailer Sears since XXXX of XXXX. The total amount charged in XXXX was {$410.00} and was to cover the cost of parts and service for an in home repair to be made by Sears. It has now been 5 months since my purchase and 7 months since my initial agreement with Sears. I have reached out to sears numerous times to schedule appointments and they just keep cancelling and rescheduling. No one ever shows up. They are taking full advantage of the elderly and it is wrong. I finally filed a dispute with Citibank to not pay this charge as the part has still not been installed and there is no way to return the part. Citibank originally said they could not continue with my dispute because sears provided proof that the part was installed. I responded saying the only proof they showed was that the part was delivered to my house, no proof of install and no proof of a technician coming to my home. Citibank is now saying it is XXXX terms and conditions to not reverse the charge because the merchant is choosing not to return the money. Citibank then gave me a number for a different department at sears and said this is how you can contact them for return. Ive reached out to sears again and they want their part returned but will not refund the money. So I asked Citibank to refund my card should I return the part and sears not refund the money and Citibank said this dispute is closed and there is nothing they can do because of the terms and conditions XXXX has in place.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/year> Dear Sir/Madam, I am writing to file a formal complaint against PORTFOLIO RC for violations of the consumer financial protection laws as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( 7 ) ( a ) and 15 USC 1681 ( e ) b.

I do not owe this debt and dont have any knowledge of this debt ( account XXXX XXXX  ) and I ask for debt validation, the purchase agreement between them and the original creditor. I have included the attachment with multiple inaccuracies across all three major credit bureaus regarding this collection. 

PORTFOLIO RC has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. 

PORTFOLIO RC is violating my consumer rights by using false and misleading, misrepresentation and deceptive means. 

PORTFOLIO RC has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681s-2 ( 7 ) ( a ).

PORTFOLIO RC did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account and yet shared these inaccuracies on consumer report, this is a clear violation of 15 USC 1681 ( e ) b.

Based on my experience and the evidence provided, I believe that PORTFOLIO RC has violated the following laws.

12 CFR 1006.34 ( b ) ( 5 ) : Failure to accurately validate information to consumers concerning their accounts.

2 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to conduct proper investigation of disputed debts and provide consumers with adequate responses.

3 ) 12 CFR 1006.34 ( d ) Failure to maintain and implement reasonable policies and procedures to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ).

4 ) 15 USC 1681s-2 ( 7 ) ( a ) Failure to accurately report information to consumer reporting agencies.

5 ) 15 USC 1681 ( e ) b Did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account.

I request that the Consumer Financial Protection Bureau investigate these alleged violations and take appropriate actions to ensure compliance with consumer financial protection laws. Im revoking all rights of PORTFOLIO RC to contact me via emails/text/calls. 




Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

To whom it may concern, There are fraudulent inquiries harming my credit report and my life. I have attached my Identity Theft Report as instructed by Equifax. 

Equifax must take it upon themselves to remove these inquiries from my credit immediately. 

The fraudulent inquiries on my report are as follows : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX / XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau Apple Card/GS Bank USA/Goldman Sachs XXXX XXXX XXXX XXXX XXXX Dispute of Unauthorized Charges That Were Not Made on My Physical Card With Apple Card/GS Bank USA/Goldman Sachs Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the Apple Card via telephone after I was notified by XXXX XXXX that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling Apple customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from Apple phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. Apple Card now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

XXXX XXXX
Product: Debt collection

On XX/XX/2019, Carvant Financial LLC, of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, New York illegally seized XXXX dollars from my XXXX XXXX XXXX XXXX account. This caused my bank account, that I share jointly with my wife, to go negative XXXX dollars. This debt was on an old auto loan that was taken out before I was married. Additionally, this company engaged in illegal practices in pretending to serve me. Although they are claiming I was served, I was never notified of legal proceedings against me until XXXX was deducted from my bank account. I only had approximately 50.00 in this account at the time so this has caused my joint account to go negative approximately 7,000 $ negative and adversely affected my wife whom is an uninvolved party. Neither the bank nor Caravant financial alerted me in any way to the withdraw of funds from my joint account. This violated Maryland law as the joint bank account was established after the judgment date, is jointly owned by an uninvolved party, and had less than 50.00 $ in it at the time. Maryland law DOES NOT allow for seizure of property by garnishment for accounts with less than 6,000 in them nor for accounts jointly owned when only one party is responsible for the debt. Neither the bank nor Caravant Financial will discuss this matter and I have been directed to a lawyer who represents Caravant Financial, who is still attempting to illegally collect money from me. The judgement against me was for XXXX, and yet XXXX was illegally deducted from my account and the lawyer insists I still must pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

All three accounts has failed to comply to my request to send all relevant documents and proof of debt.. The companies are XXXX XX/XX/XXXX : act. XXXX, XXXX XX/XX/XXXX : XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. 
This is all the information they me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a report regarding the recent Equifax security compromise. Equifax indicated my personal information was compromised, I found this information by using the site they set up : https : //www.equifaxsecurity2017.comXXXX I 've placed an initial 90 day fraud alert to help safeguard my credit history.
The CPA needs to force equifax to monitor every account and notify victims if any fraud occours. Credit fraud protection should be mandadory for every account, not an option for us to have deal with.
This security compromise occurred from XX/XX/XXXX until XX/XX/XXXX, and I only found out about it in XX/XX/XXXX. This is unethical.
Product: Vehicle loan or lease

U.S. Bank tried to pull a quick trick and charge me for the plates that was returned on the vehicle at XXXX 'S XXXX AND XXXX in XXXX CT. They called the plate fee a lease termination payment due in which the vehicle was already returned and the account closed six months before they sent me their fake lease termination bill. Now they are starting to hit my credit with false claims that I owe them {$870.00} in which the payment has late fees etc. This banking company should be totally ashamed of their tactics. They even have the nerve to send me invoices for there so called end of lease term statements in which I immedialely file them in a round receptacle that resembles a trash can. 

On my credit report it shows all payments paid as agreed except the fake one above that they created six months after the keys and vehicle was already returned to the dealership listed above with the plates on it. Shameful tactics this banking company uses to ruin good people credit with their complete and total lies. They need to be held accountable to the fullest extent of the law.
Product: Checking or savings account

I had Chime account by decided to close to open a physical bank account, since I was focusing on buying a house. I tried to open a new Chime account again or open new account. They cant explain why XXXX cant. Their representative stated, I can have only one. I dont have any open account, then said, its collection, but stated I didnt own any money. I dont owe any money since I actually left money in there, which was couple dollars and didnt care about it. Apparently, I dont own them any money, they actually owe me. I request to speak to supervisor, they either lie about not able to transfer, or when they do, the supervisor says same thing. Whats the point of supervisor who doesnt have more information then the representative. No matter what question, I have they cant seem to give an answer and hang up on me. Ive called multiple times in the last 2yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT REPORT
Product: Credit reporting or other personal consumer reports

Account XXXX  with XXXX XXXX  XXXX XXXX in XXXX and closed and written off in XXXX. Based off the FCRA public law 91-508 to report on a consumers credit it has to be 100 percent accurate. If anything found innacurate its to be removed if mutliple investigations on its accuracy was held. I had multiple investigations and phone calls made and it was said to be accurate. And till this day the account is still on my credit report. Im in the position to sue this company for defamation of character. Also spoken to a representative from XXXX XXXX XXXXXXXX a week ago stating my account would be removed from credit and wont report. Ticket number is XXXX
Product: Mortgage

PHH is purposely throwing away my bank statements that were included with my submission for assistance. I submitted my " fully complete '' application for assistance on XX/XX/2020 via my attorney 's office. The submission contained my past three months bank statements that showed proof of my income as well as proof of rental income I receive. There were check marks to the side of these deposits on said bank statements and also a letter of explanation for each deposit showing it was for rent and income etc. PHH in the past while I was applying falsely stated I had not submitted the past 90 days bank statements. They did this on purpose in order to evade review which according to my attorney is a violation of Respa Regulation X. They continue to fraudulently state my application is incomplete most recently as last week. I am told by my attorney this is a stalling tactic some fraudulent servicers use in order to evade review.
Product: Checking or savings account

I have requested my statements from XXXX - XXXX, they will only give me statements going back 7 years. The prior statements are housed electronically and I will have to hire an attorney to have MY STATEMENTS SUBPOENAED. I just want my statements and cancelled checks from XXXX - XXXX.
Product: Credit card or prepaid card

I asked for my account to be closed with the card issuer back in XXXX of this year. I am due a security deposit of {$500.00}, and have not received it yet. Each time I call, they give me the run around telling me to wait for the processing to to process my request. I called in XXXX and was advised the account wasnt closed because they sent me an email to confirm if I indeed wanted my account closed. I assured them that I wanted the account closed and wanted my security deposit back. This conversation happened XX/XX/2022. The representative advised me that I would receive a check in the mail within XXXX weeks. Today, I called to check on the check status being I did not receive the check, I was advised by the manager that the check was approved on XX/XX/XXXX, but it was not sent. The manager said that he sent another request today and I have to wait XXXX weeks. I feel this company is holding on to my money and wants me to give up.
Product: Credit reporting or other personal consumer reports

TransUnion lowered my fico score XXXX points when nothing of any significance has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I replaced the air conditioning air-handler from my local air conditioning dealer. They arranged for me to pay off the amount ( {$5900.00} ) through Service Finance Company LLC. I received a welcome letter from Service Finance, but never received a bill or a contract listing the terms and conditions. I never received a monthly statement listing the amount owed each month and the address to send the payment to. 
I got the information I needed today, XX/XX/year>, when I called them and, after XXXX or XXXX calls got an email from them with the information I need.- BUT, the payment is due in XXXX week, and the XXXX day Labor Day weekend is coming up. 
I still have not been able to set up an online account with them where I can monitor how much I owe and which shows how much I paid. 
I tried to pay them by phone, a service they offer. I entered all the information they wanted and the amount I wanted to pay. ... and then there was silence. I have no idea if they got my payment or not. 
Using the billing statement that I got online today, I sent them a check for this month 's payment, {$160.00}, but sent it by overnight letter so I know they will get it this week. ( It's due on XXXX XXXXXX/XX/XXXX. ) They need to send me a contract showing how much I owe, how I should pay each month, and the date that the no-interest offer expires.