23daVinci/CFPB_Complaints huggingface dataset:
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 Re : Case no. XXXX CFPB complaint To whom it may concern : this letter is in response to your recent claim regarding case number XXXX XXXX filed with the CFPB in which you claim all of the late payments are valid.

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.

As per FTC opinion letter from attorney XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation.

Be aware that I am making a final goodwill attempt to have you clear up this matter the listed late payment items are inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing another complaint with the Consumer Financial Protection Bureau and the attorney general 's oice, mainly because of your pattern of mailing statements late and then extracting late fees habitually from your clients.

I further remind you that you may be liable for your willful non compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : defamation camera negligent enablement of an identity fraud, violation of the fair debt collection practices act including but not limited to section 807-8, violation of the fair credit reporting act including but not limited to section 623-b.

You will be required to appear in a court venue local to me in order to formally defend yourself.

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC attorney general 's oice CC XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXXXXXX Balance {$740.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with XXXX  ( name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/22 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX $ XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX AD XXXX XXXX $ XXXX
Product: Debt collection

I received a notice LVNF Funding LLC was  garnishing my wages on XX/XX/2018 I sent a letter requesting to know what the garnishment was in regards to and what specifically it was they are claiming I owe for. 

I looked up what to do online to find a template for a letter requesting that information without including anymore personal information. 

On XX/XX/2018 I received a response only restating their original information. 

I have not heard from them since. 

I have no idea what the claim is a result of i.e. merchandise, services or other. 

I hope this is the correct place to submit my complaint.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I was placed on a deferred payment arrangement, for 24 months, totaling a monthly payment of {$3300.00} per month. My original monthly payment was {$2700.00}, before the deferred arrangement. 

I have continue to make my monthly payments on time, I have also made additional payments during this period of time. 

XXXX transferred my loan to their XXXX XXXX XXXX company in XXXX, therefore the situation only got worse. I have made hundreds of calls trying to address they're mistakes. 

1. They were not reporting payments made to the credit agencies. 
2. they reported me late in XX/XX/XXXX. 
3. They did not honor the deferred payment arrangement and reported me as late to the credit bureaus. 
4. My credit score has dropped 169 points. 
5 My mortgage states still shows the full amount of the deferred amount as due. 
6. They are also charging me for hazard insurance.
Product: Debt collection

I was contacted 6 times in one day from Wakefield and Assiciates and every time I answered they hung up on, which goes against the rule that they must identify who they are. 
When I finally called back and informed them of this they claimed that they only called one time, yet on my call log it shows 6 incoming calls from the same phone number. 
When I told the lady that this was harassment and illegal she transferred me to her supervisor. 
I told her supervisor how this collection was closed by the previous collection agency he ignored that and then proceeded to go on about how they never called and such.
Product: Credit card or prepaid card

On XX/XX/2023, I applied for a {$340.00} virtual credit card through Affirm to purchase furniture from overstock.com. The loan payments were broken into {$85.00} payments that Affirm charged to my XXXX XXXX. On the date of the purchase, Affirm charged my XXXX XXXX the first {$85.00} payment. 
The total cost for the XXXX furniture purchase totaled {$330.00}. 
The furniture was mailed to the wrong address, and I never received it. 
On XX/XX/2023, overstock.com issued a full refund of the {$330.00} purchase price. 
On XX/XX/2023, I still saw the initial {$85.00} charge on my XXXX XXXX, and I filed a dispute with XXXX. XXXX temporarily credited my XXXX for the {$85.00} while they investigated. 
On XX/XX/2023, after reviewing my Affirm account, I saw that the initial {$340.00} loan was still active, so I requested a full refund of {$340.00} from Affirm. Affirm issued the full refund the same day for the loan and cancelled the virtual XXXX credit card but failed to refund the first {$85.00} payment they charged to my XXXX XXXX on the date of purchase. 
On XX/XX/2023, I received a notice from XXXX that they considered the disputed charge valid and removed the temporary {$85.00} credit. 
I requested that the dispute be re-opened with XXXX, which it was on XX/XX/2023, and uploaded to the XXXX dispute portal the documents I am attaching below. 
Today, XX/XX/2023, Affirm attempted to charge my XXXX XXXX for an additional {$85.00} for a non-existent loan/credit card. I can not reach a human at Affirm to resolve this issue. Affirm still owes me {$85.00} for the first payment for the merchandise I never received, for which XXXX issued a full credit, and Affirm canceled the loan. 
Now, they are attempting to continue to charge my XXXX XXXX, even after canceling the loan.
Product: Mortgage

Mr cooper allowed me to participate in a FHA loan modification via accepting my RMA affidavit whit had a hardship affidavit already in it. I purposely waited cause I KNOW HOW SHADY AND SNEAKY THIS COMPANY IS. I waited until the week to show they HOLD documents 3-5 business days FOR IMPORTANT DEADLINES then ask for redundant information just so they can get a tax break form 1122 isn't a requirement of fha to get a modification. Also they want 30 Days paystubs when I given them a copy of my 1099 contract and two different bank accounts with XXXX XXXX in assets I told them i have alternative sources of income which is my co borrowers 1500 monthly ssi the money saved and then when i get my first commission check mid month this month. I even supplied my licensing it showed in effect XX/XX/XXXX of this month and that ive been working with another agency prior for insurance but i didnt make any money. I dont have to do a form 1122I only want to do what the website said to get consideration mr cooper tax deductions need to be out of my affairs ... nobody notified me i logged on myself cause i know how you operate and im sure you would have waited until riday to let me know then id rush to do it on Friday then you deny my on the XXXX cause of your 3-5 business day rule or cause you want me to fill unnecessary forms to appease your accounting department You have a 4056t that i mistakenly put my dat of birth on ( XXXX XXXX XXXX XXXXXXXX ) you have two income sources ( two bank accounts ) Death Certificate copy of my work contract proof that im licensed to be mortgage orginator since XX/XX/2022 and that im gainfully employed QUIT PLAYING GAMES!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 


When i read the bold letters on the Uniform borrower assistance for government loans it clearly states ( 1 ) this completed, signed and dated Borrower Assistance Form ; ( 2 ) completed and signed IRS Form 4506-T ( for self-employed borrowers or borrowers with rental income or if otherwise required ) ; ( 3 ) required income documentation and ( 4 ) required hardship documentation.

the affidavit is already in the original application so why is MR cooper failing me potentially cause i wont participate in this 1122 form? 
why is mr cooper asking for check stubbs for 30 days when there are other ways to show ability to repay loans besides check stubs why is mr cooper waiting 3-5 business days??? ( cause its one of your MANY predatory tactics )
Product: Credit reporting, credit repair services, or other personal consumer reports

After being denied the ability to use my XXXX  XXXX debit card for automatic payment of my XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX had informed me that the denial was the result of a report from Early Warning. I obtain my report from Early Warning. In a phone call with Early Warning their representative denied producing any score and did not reveal what information on my report they considered derogatory. 

I did notice on my Early Warning report they reported the status of one of my accounts ( with XXXX XXXX ) as " Deceased '' in XXXX and present in XXXX even though I am still alive ( my wife who was a co-owner passed away in XXXX, but the report gave no indication of joint ownership. 

I disputed the characterization that I was deceased in XXXX via letter. They initially responded that their investigation determined that the status was accurate. I tried faxing them a letter requesting that they report to me how they verified the information, but their fax system refused to receive it. 

Today ( XX/XX/XXXX ) I received a report that they claim represents a correction of the information ; however what it appears they have done they have left in the report the allegation that I was deceased in XXXX and removed the claim I am alive in XXXX. 

Now for my XXXX bank account, Early Warning shows as the current status of the account " deceased ''.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments
Product: Credit card or prepaid card

On  XXXX / XXXX /  XXXX  , through my email, I received a response from CFPB, however I was unable to view it as I was trying to reset my password and gain access to the response but did not get any emails to reset my password, so I made a call and someone was nice enough to read the response. It was decided from CITIGROUP that the merchant denied the refund and CITIGROUP were unable to resolve my issue. I am declaring a secondary dispute towards this case because the services were absolutely not received from my merchant. The merchant has tied off communication with me and  CITIGROUP  is n't complying with this case. It is unfair that CITIGROUP is allowing my previous merchant to run away with {$900.00} while services were unfulfilled. I allowed the merchant to deliver the services after 3 months while being promised to be done within 1 month. I gave the chance but never received anything. These services were for a website creation from the merchant that was to be expected yet received.  CITIGROUP  claims that they have sent out emails, mails, and communication to notify me of an action that I have not taken. However, I receive everything and keep up to date with my emails, mails and other forms of communications, but I absolutely did not receive any type of communication from CITIGROUP involving the disputed case whatsoever. CITIGROUP nor the merchant are complying with my situation because they are making claims that I should 've taken action of response when the proper communication was not delievered to me.
Product: Debt collection

I was attempting to dispute a debt Source Receivables Management says I owe. They were able to provide the name of an apartment property I lived in and a debt amount that I didn't owe. I called the apartment property about the debt and was told they had nothing on file for me and this debt. I called Source Receivables Management back for more information on the company who reported this debt like a reliable phone number and they were unable to provide it. I called them a few more times to dispute this debt and every agent I spoke with eventually hung up. I'm suspecting fraud because they seem to not have any way to validate this debt or provide that information to me.
Product: Credit card

With reference to complain XXXX, I believe that Discover made a false statement to both myself and the CFPB, the latter of which is a violation of law ( specifically 18 U.S.C. 1001 ).

In Discover 's response to my complaint, they stated that " they have no record of any inquiries to be removed from promotional mail. '' This means one of two things : 1. Discover has falsely represented that they have no record, which could be easily proven by the CFPB issuing a subpoena for any and all phone call records between Discover ( and any subsidiaries or affiliates used for marketing purposes ) & the phone number XXXX ( the phone number used during the initial appeal to cease contact in XXXX XXXX XXXX XXXX. The CFPB could also request records from XXXX XXXX XXXX ( my phone provider ) for my call log in XXXX of XXXX to see that a call was made to and answered by Discover. 

or 2. The record keeping system of Discover is of such a quality that, intentional or not, they have no means to effectively track the requests to cease contact and will continue to send marketing materials to consumers. If this is the case, this may be worth referring to the FTC to investigate these trade practices. Considering that I'm one small peon in the sea of humanity, how many other consumers are being subjected to these predatory and reckless record keeping systems?

Moreover, most egregiously of all : I received yet ANOTHER marketing letter from Discover in the week of the XXXX of XXXX - well after I received a letter from Discover acknowledging my complaint. 

This is unacceptable behavior by Discover. Their lack of record keeping and communication does not absolve them of responsibility of honoring 'do not contact ' requests. 

I am requesting in this complaint a response from the CFPB on what actions they will be taking in response to this, or what additional information I can provide.
Product: Debt or credit management

Subject : Complaint Regarding TomoBoost Product by Tomo Credit Dear CFPB, I am writing to file a formal complaint against Tomo Credit concerning their TomoBoost product. Despite multiple attempts to contact Tomo Credit 's customer support via phone, online chat, and email ( XXXX ), I have received no response for over a month. 

I initially subscribed to the TomoBoost service with the expectation that it would provide the benefits promised during sign-up. However, the service has failed to deliver these promised benefits. Consequently, I decided to cancel my subscription. Despite my repeated requests for cancellation, Tomo Credit has continued to charge my credit card {$80.00} per month for the past 10 months. 

In an attempt to stop these unauthorized charges, I canceled my credit card. However, Tomo Credit somehow managed to obtain my new credit card number and continued to charge me. 

I am extremely concerned that no other complaints regarding this issue have been filed with the CFPB, despite numerous similar complaints on various Internet forums, including XXXX. It appears that many other consumers are experiencing the same difficulties with Tomo Credit 's TomoBoost product and are being ignored. 

Sincerely,
Product: Credit card or prepaid card

They've gone through a update on their website so payment sites were down... They say you can pay over the phone but when you call it says call back later... They're easy pay site. Just keep saying loading loading loading or it says error can't find your information... I'm just very frustrated with this whole situation because I have five accounts that are probably going to have late fees ... One account already has a late fee.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ).

LVNV is repeatedly reporting charge-offs every month and the information is inaccurate across all three credit bureaus. Every time this account updates the statute of limitations is extended. Every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the Fair Credit Reporting act THESE Accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX15 USC 1681 Section 602a states I have the right to privacy.

*15 USC 1681 Section 604a Section 2 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

XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurate the reporting dates the bal owed and it is also reporting balance as a charge off and the bal was written off at the same time on my consumer report pass due amount was {$7700.00} I have 3 different reporting dates on different reporting agencies