23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It's the 3 credit bureaus especially trans union I request my consumer report about 2 years ago I never received it so last week XX/XX/2020 I get a card in the mail saying I have 7 inquiries on my report I haven't required about anything so I responded on the back of the card I have a credit freeze on the 3 bureaus but when I try to call in to any of them they say they can't help me at this time and hang up. The begining of XXXX I tried to get a credit card online went on the website to release my freeze they replied not at this time so I can't talk to anyone on the phone or online so I'm wondering is someone using my information and I asked them to please use my whole name and they won't I have no trouble online with XXXX  XXXX  I can communicate online with them but to call they give me a run around they need face recognition
Product: Mortgage

This letter is to file a formal complaint against XXXX XXXX XXXX in PA and its affiliates Double Diamond XXXX  and United Equitable Mortgage Corporation. The complaint is for their refusal to cancel the land sales purchase and its associated loan I signed on Sunday XX/XX/2023. The request for cancellation stems upon the fact I was not given a copy of the property report of the land prior I signed on the loan for the land sales contract. According to real estate sales contract, buyers have the legal right to request the cancellation of the contract sale if the property report was not provided prior to signing on the contract. 

On Friday XX/XX/2023 I emailed XXXX XXXX XXXX, the sales staff at XXXX XXXX XXXX in PA along with XXXX XXXX XXXX, the referral staff at Double Diamond XXXX in Texas and XXXX XXXX XXXX, the mortgage consultant at United Equitable Mortgage Corporation to let them know I am requesting the cancellation of the land purchase. On Saturday XX/XX/2023, I sent a letter via certified mail to XXXX XXXX XXXX. As of this writing, I have yet to receive correspondence from the mortgage company. 

The land sales contract is for the Lot XXXX, XXXX Subdivision of XXXX XXXX XXXX, XXXX XXXX of XXXX Subdivision XXXX the township of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX of Pennsylvania. Its associated loan is serviced by United Equitable Mortgage Corporation. Please kindly note despite signing page XXXX of the attached document, I was not giving a hard copy of the property report. The company is using fraudulent tactics giving buyers a XXXX XXXX with no specific, accompanying information pertaining to property report nor giving access to a computer for the buyers to read the property report. 


I look forward to the Consumer Financial Protection Bureau to assist me with a resolution to this problem.
Product: Credit card

On XX/XX/2024 I received a packet from Kohls/CapitalOne. The cover letter ( see attached photo ) stated Were excited to let you know that you have been chosen for the new Kohls Rewards Visa.

Note : You will see on the top of the letter I wrote all of my interaction notes with all organizations as I was researching how to put a stop to this.

Clearly based on the language of the first sentence I did not request a new card nor do I want a new card. The letter also indicates There is nothing you need to do right now.

I called Kohls charge card customer service and they indicated I needed to speak with CapitalOne. I called CapitalOne on XX/XX/2024 and the individual I spoke with ( XXXX? ) said there is nothing I can do as the information has already been sent to CapitalOne. Once I receive the card as long as I do not activate it I can call Kohls and they will issue me a new store credit card only. 

I then went to the website to gather more information and found that this may and can impact my credit report ( see attached photo ). I worked hard to get my credit score that score will be ruined by a card I do NOT want NOR requested.
Product: Vehicle loan or lease

Im, requesting the following information regarding the sale or auction on the account above. Please provide all documentation showing when and the amount for which the vehicle was sold or auctioned. Please also provide the deficiency balance or surplus amount following the sale or auction of the vehicle as well as the original balance of the vehicle.Next this account is now show open when previously it was reflecting closed derogatory/delinquent. To whom it may concern, I am writing in regard to the above referenced accounts and transactions.. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Product: Debt collection

On XX/XX//23 I contacted a company by the name of NCA due to inquiry on credit for {$970.00}. I initially advised them I was not familiar with the company or debt. I requested information regarding debt and was told I would receive information through the mail. I still have not received any information regarding debt to company and representatives refused to give further information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I XXXX XXXX looked at my updated Experian credit report dated XX/XX/XXXX report # XXXX and noticed Experian claim to have updated peoples bank account # XXXX on XX/XX/XXXX. On XX/XX/XXXX I sent CFPB a dispute about the accuracy of this account not being accurate, CFPB report # XXXX was sent to Experian on XX/XX/XXXX since then Experian opened up a re-investigation dispute and the dispute of this account was updated and closed on XX/XX/XXXX. The law states maximum possible accuracy of the information concerning the individual about whom the report relates according to USC 1681 ( e ) ( b ). at this time I am gon na sue Experian in federal, state and local courts due to reporting false information on my credit file that is not maximum accuracy. On XX/XX/XXXX I called XXXXXXXX XXXX account # XXXX with the number Experian provided me with and I talked to employee XXXX in the bankruptcy department, she informed me this account status was paid on XX/XX/XXXX, never Late, paid as agreed and paid closed. this account was never listed in the false bankruptcy Experian is reporting also reporting this account as a negative account. Experian never contacted peoples bank for the accuracy of this account in the month of XX/XX/XXXX or anytime before that according to XXXX XXXX  bankruptcy department employee XXXX. I applied for credit a number of times and was turned down due to this negative information on my Experian credit report. Also the last status updated by Experian for XXXXXXXX XXXX XXXX XXXXXXXX was XX/XX/XXXX according to the Experian credit report dated on XX/XX/XXXX, so Experian has been falsely reporting this information on my credit file since or before XX/XX/XXXX and not proper investigating this account since or before XX/XX/XXXX after falsely reporting to me and the CFPB they are working on this account I am not happy.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions would be unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX, Discover, XXXX XXXX. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding deletion of all accounts listed due the identity theft.
Product: Mortgage

Since XXXX I've been trying to get into a loan modification with my mortgage company Mr Cooper also known as nationstar. I have made a number of attempts to make a payment and which they refuse to take less than the amount due. Causing my credit to be heavily affected by all the late charges. Then once XXXX of XXXX hit ( pandemic ) they allowed a forbearance in which I had no money at the time to make a payment and was told that there would be no late charges or no reporting to the credit bureaus which is not accurate. I've noticed that there were a few different charges for inspections etc at about XXXX dollars. Also I had been assisted by government program which paid them {$8000.00} in XX/XX/XXXX and they just turned around, sold my mortgage in XXXX of this year. I was a bit confused because they kept telling me they would not accept any payment amount less than what was owed in which they accepted the {$8000.00} some odd dollars. Now my mortgage is with a new lender that I have no forebance with and my credit destroyed!!!
Product: Credit card

On XXXX I submitted a compliant with the CFPB on Discover Card for them denying me credit with their company because on XXXX I submitted an application for a credit card. About XXXX to 1XXXX XXXX later I received an adverse action letter that was dated XXXX with the denial reason listed as : STATUS OF EXISTING/ PRIOR DISCOVER CARD ACCOUNT. Discover failed to give a reason of understanding for the adverse action letter, and may have committed fraud because in there response to the XXXX complaint they mailed to me a separate reason that stated about an prior account that I had with them back in XXXX of 2018 when the account was closed due to the following reasons : TIME SINCE UNSECURED LOAN OPENED , % OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON REVOLVING ACCOUNTS, LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED. The previous account never carried a negative history and I'm not understanding what the previous account being closed for the reasons above have to do with me applying for a new credit card especially given the fact that my credit profile has changed from XXXX of XXXX  until now, I never was in collections with Discover and the card had a XXXX balance. When I called XXXX at the XXXX XXXX XXXX XXXX XXXX and left a message for her to explain the reasoning, I never got a response back from her office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for XXXX XXXX, Transunion, XXXX  and XXXX  to provide How they verified the Bankruptcy reporting on my credit profiles. I have a letter from the BANKRUPTCY COURT saying they DO NOT verify this information with the credit reporting agencies. Transunion, XXXX  and XXXX  claims to have received this information from XXXX. However, using a 3rd party to verify ( XXXX XXXX XXXX, is a VIOLATION of the FCRA. The credit bureaus, or required to verify this information themselves. Furthermore this account is reporting inaccurate on all three bureaus. Transunion and XXXX  is listing the open date as XX/XX/2015 and XXXX  is reporting XX/XX/2015, There is no way this account was opened on two different days. Transunion is reporting the reference number as XXXX. XXXX  is reporting XXXX and XXXX  is reporting XXXX This is an inconsistency. If this information is coming from the same furnisher then why is it so vastly different. Transunion is reporting the court name U.S. Bankruptcy Court. XXXX  is reporting US BKPT CT MS XXXX and XXXX  is reporting Federal. This is an inconsistency. IF this information is coming from the same furnisher then why is it so vastly different. They have failed to verify this account because even after my initial investigation they still reporting inaccurate and inconsistent information ...
Product: Debt collection

XXXX and XXXX XXXX XXXX somehow has reach out to let me know Resurgent Capital Services now owes this XXXX account. Which is claim I owe someone. I am unaware of this account or the debt that I do n't owe.
Product: Credit reporting or other personal consumer reports

Nelnet seems to continue to experience issues regarding furnishing student loan account changes to the credit bureaus. XXXX, specifically, has not received an update since XXXX  despite the fact that I have paid off three accounts and made a significant payment on a fourth. 

In addition, Nelnet is impossible to get a hold of via phone due to seemingly low staffing levels and obscenely inconvenient call center hours which results in ridiculous hold times.
Product: Checking or savings account

I provided WF with screen shots of the trial deposits being made into the external account and screenshots of the entered amounts as trial deposits. Wells Fargo has refused to acknowledge those deposits by returning the message that it doesn't match what they deposited however the picture shows that is a lie. Wells Fargo has suspended my account and refuses to provide a resolution. They now are blaming the external institution and saying that THEY are the one preventing the link from happening. I've contacted the external institution on several occasions and they deny these accusations because as you can clearly see from the screenshots, the deposits are being made. If they were blocking this process then the deposits would not be made nor would I see it as activity posted to my account. So, yet again, Wells Fargo lies!
Product: Debt collection

I have made numerous disputes about a derogatory mark on my credit report involving XXXX and Online Information Services ( representing XXXX XXXX ). I have provided a bank statement showing the amount of {$660.00} paid to Online Information Services, confirmation number XXXX, and my reference number XXXX for them to verify the debt has been fully paid. Online Information Services is claiming the debt is still valid, even though theyve removed it from my XXXX and XXXX report. XXXX is doing nothing about this, so they are abetting a collection agency engaging in fraud. I am prepared to take swift legal action if this is not resolved.
Product: Debt collection

I received a phone call today while at work from a number that I had not saved in my phone. Upon answering the call, I cheerfully said hello! as I thought the call might have been work-related. All I could hear on the other line was shuffling noises. Again, in more of a questioning tone, I asked, hello? Then to my surprise the very first thing this stranger had to say to me was, youre just gon na pick up the phone and not say anything, ___? ( My first name ). I must emphasize how aggressively RUDE and informal of a tone that was said in. The negative use of my first name felt quite personal. I had no idea who I was speaking to and was afraid I was being harassed or stalked by the way that called opened up and the abrasive tone used. No longer cheerful, I asked who is this? And then she proceeded to say something along the lines of this is XXXX with AR Resources Incorporate Im just gon na have to ask you a few security questions And I hung up on her. I felt disrespected. And by someone who expects to be collecting my money? Bullying me is not very effective. Especially when I DID greet her on the phone! I said hello not once but TWICE and then was so rudely snapped at for what felt like no reason at all. It felt very personal, as if her salary was directly dependent on whether or not I paid my debt. I called the company directly to first confirm what it was I needed to be paying for ( I owe about {$1000.00} to my school for the the fall 2021 semester ) and I found out that I could make payments in part which I was not aware of. I made a {$25.00} one time payment and do plan to continue making payments so that I no longer owe anything, but no part of me feels any inclination to be making those payments with this specific person.
Product: Credit reporting or other personal consumer reports

I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX 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 or other personal consumer reports

ATTENTION, NOTICE IS HERE BY GIVEN : ON, XX/XX/2024 I, XXXX : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX a AFFIDAVIT IN SUPPORT of DEFAULT Did participate as a third-party witness to your acquiescence assent Certain contractual obligations titled : DEBT VALIDATION along with supporting documentation affirming said acceptance acquiescence and assent. 

On ( XXXX ), ( SEE ATTACHED documents ), I submitted a request to XXXX XXXX XXXX Team and EQUIFAX for validation of a debt reporting on my consumer report. However, despite the legal obligation imposed by the FDCPA, I have not received any response or validation of the debt within the required time frame. ( more than XXXX ) here is my Certifed Mail Reciept # XXXX This failure to validate the debt constitutes a breach of your obligations under the FDCPA. As such, I am issuing this formal notice of default and providing you with an opportunity to cure this breach. 

To remedy this situation, I request that XXXX XXXX XXXX Team provide validation of the debt in question within ( XXXX business days ) from the date of this notice OR remove this account from my consumer report. This validation should include all relevant documentation and information pertaining to the debt, as required by the FDCPA. 
Failure to cure this default within the specified time frame may result in further action being taken to enforce my rights under the FDCPA, including seeking legal remedies available under the law. 
I trust that EQUIFAX SHALL treat this matter with the seriousness it deserves and take immediate steps to rectify the breach. Please acknowledge receipt of this notice and provide confirmation of your intentions to comply with my request for debt validation. 
Thank you for your attention to this matter.
Product: Debt collection

I had an 18 yr old Discover card with a XXXX credit limit that a disreputable " law firm '' XXXX XXXX XXXX hounded me for payment of {$6700.00} and freezed my checking account for payment. We made arrangements to settle for app. XXXX and I paid them XXXX a month for 3 years and they sent me a letter of discharge. My bank account has been closed for years and water damage has ruined our records. The bank can not give us copies from 15 years ago. Now a new company says they are employed by Discover. It is XXXX and XXXX. They sent a very inconspicuous letter claiming I had never paid XXXX XXXX XXXX which is now out of business ( not surprisingly ) and I owed them XXXX! I immediately responded and refuted their information. Even though the statute of limitations are expired on this loan, they have started calling my house multiple times during the day. I do not owe and my next step will be to seek legal help to resolve this.
Product: Debt collection

XXXX. claims I owe them money. I never heard of this company nor have I ever done any business with them. They sent my fraudulent balance to collections ( Central Credit Services LLC ) and the collection agency wo n't speak with me regarding the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies XXXX Equifax & XXXX ). 

For Equifax : The Date of First Delinquency is XXXX XXXX and the Original creditor is not listed. 

For XXXX : the report says the account will be On Record Until : XX/XX/XXXX which would make the Date of First Delinquency XX/XX/XXXX, that is a three month difference from the date Equifax is reporting. 

This type of inconsistency causes accounts to re-age and affects my credit.Any deviation from the standards outlined by FCRA Compliance jeopardizes the integrity of the data. FCRA 623 ( a ) ( 5 ) ( A ) states " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report and should be the first XXXX delinquency that led to the status being reported. This date should be 30 days after the Due Date with the Original creditor. If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA Section 623 ( a ) ( 1 ) ( C ) the Furnisher has the responsibility to prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers. This account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.
Product: Debt collection

I have asked for proof of validation from Experian XXXX and XXXX the debt is account number XXXX XXXX XXXX XXXX. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I took out a payday loan through Speedy Cash on XXXX, XXXX, TX in the amount of {$150.00}. The contract was for six ( 6 ) months and the payments would be {$34.00} a month starting XX/XX/XXXX. I asked for the payments to be withdrawn from my bank account on the XXXX XXXX XXXX XXXX because I'm a XXXX senior citizen and my social security checks come on the 1st of each month. The loan company took {$34.00} from XX/XX/XXXX thru XX/XX/XXXX and on XX/XX/XXXX, they took a total of {$190.00}, which came to a total of {$330.00}. I contact the company for an explanation of the last withdraw and this is what they said : " Since the payments are due on the 1st and we didn't process it until the 4th there was an additional {$34.00} added to {$150.00}, plus {$5.00} that goes to a 3rd party, '' I asked was happened to the 4 payments of {$34.00} which is a total of {$130.00}. Her response was " It's all interest, and nothing was applied to the principal. The total amount of the loan, plus interest, plus the 3rd party fee was due at the end of the loan which is XX/XX/XXXX. '' When I told her that the charge does not add up and I wasn't aware of these out-rigid charges, she said she would let her manager know how I feel, but nothing can be done, these are their charges. This is double the amount of the loan and something needs to be done about it. 
I informed her that I would be referring this to the Federal Bureau for investigation.