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

Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXXI received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.
Product: Payday loan, title loan, or personal loan

Speedy Cash employee ( XXXX ) failed to validate the date by producing financial documents and audits of what specie of money they loaned out and what specie of money their requiring to be paid back sense federal reserve notes promissory notes. Theres no law that says debts are owed or that they exist.

Speedy Employee ( s ) failed to admit that any application they produce with only their terms and conditions are in fact fraudulent and are null and void simply because they are adhesion contracts which contains language fraud.

When applications are endorsed by the one whos granting the credits to corporations, employees then take those applications and securitize them only to come back to the grantor whos also the beneficiary of the estate making false and misleading claims that the XXXX XXXX XXXX owes them money. Not only is this fraudulent, deceptive, misleading, unfair, predatory and barbarism but this clearly Violates The Truth in Lending Act. 

Also the companys response not only contains inaccurate information but I have the screenshots of that and screenshot of someone from Speedy Cash texting the phone which is unlawful and harassment. 

Speedy Cash failed to produce the XXXX tax forms they filed under the all caps legal fiction/principle to offset an alleged debt and are uttering and tendering off counterfeit documents which contain necromancy/dog latin/sign language which not only has no jurisdiction with English and can not be read. When these symbols are coupled on paper with English this renders this document as null and void because everythings removed.
Product: Mortgage

Loan costs for townhomes are lower than loan costs for condos. I am writing this complaint because my lender knowingly provided a Loan Estimate based on artificially low townhome loan costs to entice an Intent to Proceed, then increased them to condo loan costs only after I had already paid a non-refundable fee. 

I applied for a cash out refinance loan through XXXX XXXX ( a broker, but hereinafter referred to as " Lender '' for the purposes of disclosures ) for my primary residence, which was a condominium in Arizona. The Lender delivered a Loan Estimate, and based on that Loan Estimate, I gave the Lender an Intent to Proceed. 

After conditional loan approval, the Lender delivered a Closing Disclosure with loan costs that were the same as those in the Loan Estimate. The disclosure of a Condo Certification fee confirmed in my mind that pricing was based on the property being a condominium. But after the appraisal, the Lender delivered a revised Closing Disclosure that increased loan costs by more than {$2000.00} by reversing lender credits and adding points. By this time, I had already paid a non-refundable {$500.00} fee. When I asked why loan costs increased, the Lender admitted to having deliberately disclosed lower townhome loan costs in the Loan Estimate while I was still shopping for a loan, then later increasing to the higher condo loan costs after I had paid a non-refundable fee. I told the Lender I was unaware that the loan costs were based on townhome pricing and could increase, but the Lender still did not reverse the additional costs.

The loan costs disclosed in the Lenders Loan Estimate were not in good faith, and the Lenders conduct was unfair, deceptive, and abusive. I did not know, and had no way of knowing, that the loan costs the Lender disclosed were artificially low and that the Lender would increase those costs. By the time the Lender disclosed the higher costs, I had already paid a substantial non-refundable fee. Moreover, because interest rates had increased in the meantime, starting over with a different lender would have been even more costly. If I had known the Lender would have increased costs, then I would have made a different decision. The Lender was not transparent in the Loan Estimate, and I was deceived. ( I am aware of this happening with at least one other lender, so this might be a regrettable industry practice. )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove the following items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid my balance in full using my XXXX  XXXX checking account for my Express ( clothing store ) Credit Card governed by Comenity Bank. This payment was a scheduled payment placed many days prior to the due date. The scheduled payment in the amount of {$46.00} was received by Comenity Bank and subsequently withdrawn from my bank account on XX/XX/2022. On XX/XX/2022, I reviewed my account using comenitys express credit card website. The website stated that my account was PAST DUE and showed no evidence of the XX/XX/2022 payment. My account stated that my last payment was XX/XX/2022. I called my bank, XXXX XXXX, and they confirmed the XXXX payment was sent and received by XXXX and officially withdrawn from my account on XX/XX/2022. I called Express Credit Card customer service ( comenity bank express credit card division ) and spoke to a representative named XXXX on XX/XX/2022 from XXXX XXXX  EST. He informed me that Comenitys system is untrustworthy, unethical, has many bugs and is flawed, never the less he assured me that although he has no record of the payment, it will reflect eventually. As I write this on XX/XX/2022, my account does not reflect the {$46.00} payment. I authorized this payment with the intended purpose of paying my credit card bill. Suffocate it to say, the money is missing and is not being used for the intended purpose. I sent Comenity Bank a secure message with a screenshot of my XXXX  XXXX checking account showing the {$46.00} payment. I have not heard anything since. Comenity Bank has now also unjustifiably charged me a {$2.00} finance fee, thus bringing my total loss to {$48.00}. Comenity bank has unethical trade practices. They received my money, lied and said my account was past due, charged me a {$2.00} fee ( and more most likely to come ) and has given no explanation as to where my money is. I cant imagine how many other people they have done this to. This bank should not be in business if they can not adequately process, record and reflect payments. It is irresponsible and reckless, not to mention unethical. My credit is on the line and so is my hard earned money. They need to be investigated for unethical practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a member of Experian in XX/XX/2020. I was planning on selling my house, relocating and purchasing a new house. My credit was excellent but I decided to try the Experian XXXX product to see if it improved even more. It did improved but very little - maybe 8 pts. I sold my house and moved. As such, I had to change all of my bill payment vendors. Since these all changed on XXXX, Experian will not count the new vendors until I have 3 months worth of payments. In the meantime, Experian reduced my credit score by 19 points! The reduction is for no reason other than a change in location/vendors. This is going to cost me money when I go to apply for a mortgage. This credit score reduction is a total flaw in their product. It has absolutely nothing to do with my credit worthiness or history. I have tried to contact Experian to resolve the issue and they just told me that I have to wait 3 months until the new payments are accepted. This is totally NOT FAIR and is going to cost me money in higher rates and other financial offerings.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App Block Inc. due to inadequate customer service and unfair practices, which violates the customer financial protection act. Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Repeated multiple times a day every day, constant calls from different numbers. I have the main number blocked and they used my professional website which uses a dummy number to bypass the block and access my number and continue to call me. This last happened on XX/XX/year>.
Product: Vehicle loan or lease

On XXXX XXXX I had purchased a used XXXX XXXX XXXX  at XXXX. When I was at XXXX I was told that Ill be able to refinance my vehicle after a year of having the car if I choose American Credit Acceptance. So I decided that it was a good idea for the XXXX XXXX being my first car. I have been having problems with the car such as the car spinning out of control and also the car had problems starting and also the pipe under my car busted, when I took the car to XXXX they told me that it was nothing they can do about it which resulted to me having to come out of pocket for a new pipe and also I had to buy a new battery when I was told the battery that come in the car was just replaced and new. I also had XXXX care where if its anything wrong with the car I can go to them for service but I never was able to use my XXXX care do to them refusing to help me with the problems the car had, the only thing that XXXX was able to refund was the pipe. Now with American Credit acceptance I was able to pay for the car until XXXX came about i lost my job and I had to start job hopping and I wasnt able to pay the car note so I called American Credit Acceptance and they told me that I wasnt able to refinance my vehicle so I was having trouble paying my car note and any money I came across I was giving it to them the best I can. On XXXX XXXX I was on the express way and my car spin out of control I informed American Credit Acceptance and XXXX to let them know what happen and I couldnt get any help from either company. I tried to pause payments due to the car not being able to drive and I was also denied that, I asked American Credit Acceptance if I was on any list of getting my car taken and I was told no just for them to come pick up the car the next day I also made an appointment at XXXX XXXX to see if they can help me with the car but I wasnt able to get there due to them coming to get the car.
Product: Mortgage

XX/XX/year> - called to verify that my bi- monthly payments were being applied correctly and was told they were but my statement says I unapplied. {$600.00} twice a month. No action taken.
Product: Debt collection

I started receiving phone calls from a collection agency, Portfolio Recovery Associates, LLC. regarding a credit card that according to them was opened about 5 years ago. I informed the collection agency that the debt was not mine and I had no knowledge of the debt they were referring to. I informed them I have no idea who they are and that I never had an account with them. I advised them to send me documentation of what they were referring to. I received info from them that they bought an account in my name from XXXX XXXX. I have never had an account from XXXX XXXX and again they were told that this is not my account and I am disputing this bill. I asked them to provide any kind of information ( check payments, my signature etc. ) to prove this is my account. The only thing they sent were bills in my name. I have repeatedly asked for more proof but have not gotten any. I keep telling them I do not owe this debt and I have no knowledge of this debt -- -- -it is not mine!!!!! I am constantly being harassed by this company after I asked them to stop. I believe based on the FDCPA laws they are breaking federal rules. I am receiving harassing phone calls practically every day. They have put the collection on my credit reports. I have repeatedly disputed this bill to no avail. I need this to be removed from my credit reports as this is reporting negatively against me. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX CREDIT FKA XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ACIMA CREDIT FKA SIMPL,  and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

In the first week of XX/XX/2019 Bluebird by American Express ( Amex prepaid card service ) informed me that they would be closing my account and they mailed me a paper check for XXXX dollars. A few days later i lost the psper check and called the mid XXXX to ask if they could void that check and reissue one. The first time i called customer service transferred me to " account protection '' which then hung up on me. I tried again the next day in mid XXXX and spoke to a woman in account protection who told me she had to send my request to the " back office '' and that i should get an email telling me the next steps to take but that she could not give me any kind of time line for this process. 
It has now been almost one month since that phone call and i have not received any emails or any further communication from Bluebird by American Express. 
I sent their headquarters a written request, i filed s complaint with the MN attorney general and i filed a complaint with the XXXX. The attorney general told me to file a complsint with this agency as well. 
So far i hsve not heard of any responses by the company to either the Attorney General or XXXX.
Product: Mortgage

I have been seriously affected by COVID, my husband passed away and the bank refuses to assist me with any of the government backed programs, like mortgage forbearance or something like that. I have called several times, went to the branch and all I get is the round around excuses. Help me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a federally protected consumer who has a right to privacy. I have never given XXXX or any other consumer reporting agency consent to furnish information and or accounts to my consumer report. 15 USC 1681 ( 4 ) states that there is a need to insure that consumer reporting agencies ( XXXX, XXXX, TransUnion etc.. ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies have a legal duty/responsibility to protect and preserve my information and right to privacy. Using, obtaining or sharing my information or furnishing information or accounts to my consumer report without my consent is identity theft and is a direct violation of the law. 

XXXX defines Consumer Report as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for XXXX also states what consumer reports should Exclude : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaint # XXXX, My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against XXXX XXXX  for violating a cease and desist notice they received on XXXX XX/XX/XXXX and continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX any right to collect on this alleged date. It is my belief that XXXX XXXX is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX  can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and XXXX XXXX continues its collection efforts I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also XXXX XXXX has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt. A charge off is considered income and income is not to be reported to a consumer report.