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

I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX 2017-XXXX-XXXX 3- XXXX XXXX XXXX 2017-XXXX-XXXX 3-XXXX XXXX 2017-XXXX-XXXX 4-XXXX XXXX 2017-XXXX-XXXX 5-XXXX XXXX 2017-XXXX-XXXX
Product: Credit card or prepaid card

I got XXXX dollars of gas this morning. XXXX  put a {$40.00} hold on my account. They have done this before. I asked them to release it ; they have released it before. Today they told me the previous releases were a courtesy ( never told that previously ) and they would not release the fees today. They told me the fees would release on the XXXX, five days from now. I am a XXXX  and I can not afford to loan a large company {$30.00} for five days. I only got 3 gallons of gas because I have a bill that I need to pay today and I needed that money to pay the bill. I am confident that this practice is unnecessary. Why? Because I have used this prepaid card before at times when I only had {$5.00} to {$10.00} on this card. At those times, at the same gas station, the pump has stopped working when I get to the exact XXXX balance of this XXXXXXXX XXXX
Product: Debt collection

Tenaglia & Hunt continue to push for a wage execution after we 1. Filed complaint with CFPB 2. Filed objections with court 3. Requested through Tenaglia website the name of original creditor and amount. 

Disputing the alleged balance and The original creditor and any wage execution. 
We have always been willing to make payments with the previous law firm but we never heard from them since XXXX & the XX/XX/XXXX letter is the first we ever heard of Tenagla & Hunt. We have reached out numerous times by phone only to receive a voicemail every time and never a return call. 

We just received Tenaglia & Hunt reply to the CFPB on XX/XX/XXXX and have today already left 2 more voicemails for XXXX XXXX at ext. XXXX to discuss the account in question and to offer to make agreed upon payments, which we have been provided no opportunity ever to todays date of XXXX XXXX & since our last offer back in XXXX, when we never heard back from XXXX or previous law firm. Also Tenaglia & Hunt had a transfer assign of attorney firms they provided from XX/XX/XXXX yet they say tried to contact us in XX/XX/XXXX which we did not receive any mailings or phone calls from them, as they by their own timeline were not the attorney we were ever aware of that time XX/XX/XXXX. 

We feel strongly that we are being badly mistreated. Do not understand how a wage execution has been in the works when no one from any law firm has spoken with us, although we have tried numerous times since XXXX and even made good faith payment offers. Which also makes no sense to us, how this popped up on XXXX and now we are given no reasonable amount of time to rectify or come to an agreement between parties. We are willing to make payments, always have been, just as long as the amount in question is correct. But we need to speak to XXXX XXXX as we were directed to do by Tenaglia & Hunt on XX/XX/XXXX. 

Why would they not want payment over a wage garnishment execution. This feels like nothing but intimidation tactics and harassment to embarrass. We would like CFPB to request Tenaglia & Hunt to contact us so we can make payments directly, as always.
Product: Vehicle loan or lease

Credit Acceptance is a predatory loan company that uses overly agressive debt collection tactics against their customers. They misrepresent the guidelines of their loans to potential customers and incentivize auto dealers into issuing these loans. 

My vehicle was repossessed, even though I was actively attempting to work with the company to get my payments made on time and in a way that I could afford. When the vehicle was repossessed, it was taken to auction at a location over a hour away from my home, even though there are multiple other auto auction locations much closer to where I live. I paid the amount to release the vehicle, but they will not return the vehicle and expect me to find transportation XXXX miles away to retrieve the vehicle. After contacting customer support, I found that this is a tactic of theirs because they know that the further away they take the vehicle, the less likely it is for the individual to retrieve the vehicle and they can then put it up for auction. 

Credit Acceptance is a predatory loan company that takes advantage of people with low credit scores and people that are in financial hardship. I would highly recommend not doing business with them. I will be persuing legal action against them and I suggest anyone else with similar issues do the same.
Product: Vehicle loan or lease

I got auto financing through XXXX XXXX ( XXXX XXXX ) with Exeter Finance. These are BOTH dishonest, unfair companies to go through. I put $ XXXX down on a XXXX XXXX XXXX in XXXX of XXXX. The amount that was financed was $ XXXX and some odd dollars. TODAY, a whole year later, the amount of my payoff quote is, get this : $ XXXX! 

I am now a single mom, who lost her job to COVID-19, and Im struggling to keep up with my bills. I contacted Exeter Finance to try to work things out as soon as I learned that I wasnt going to be allowed to come back to work just yet. The representative I spoke to said that they would put 2 months of payments on the back of the loan and that would help with or take care of some of the interest fees.  This was told to me in XXXX of XXXX. TODAY, Monday XX/XX/XXXX, I called Exeter Finance again to see how come my loan payoff is MORE than what was financed. I got the run around and had to pull teeth to get a direct answer for one and for two, I was told that ALL of my last payment got applied to the interest ONLY and NOTHING went to the principle! I wonder HOW MANY TIMES have they done THIS ; quite often Im sure because theres NO WAY that my payoff amount should be MORE than what I had financed, this is highway robbery, and now, during a global pandemic, is the WRONG time to be pulling this mess! This company lied to me, didnt inform me on how my payments would be applied, and refuses to do ANYTHING to make this right for me, the consumer.
Product: Debt collection

XXXX XXXX I was in XXXX, XXXX and apparently parked in the wrong place. After I returned home I received 3 traffic citations via certified mail from the XXXXXXXX XXXX XXXXXXXX. I paid the fines via wire transfer from my bank to the XXXX XXXX XXXXXXXX. 

Two weeks ago I received mail from Cedars Business Services attempting to collect on the same tickets. I sent correspondence to them via certified mail stating that the 3 tickets had already been paid. As attachments to the correspondence, I provided the copies of the tickets I had received directly from the XXXX XXXX XXXX, along with a copy of my Bank Wire Transfer advice to the XXXX XXXX XXXX, showing that I had already paid the fines. I requested that they cease and desist in their attempts to collect on this debt as it had already been paid Cedars Business Services continues to contact me to collect on this debt. I have provided them evidence of payment and they persist in their collection efforts which is a violation of the Fair Debt Collection Practices Act. I want them stopped and fined for their unscrupulous behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they correct these mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX, and to notify them that I am halfway to taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Product: Debt collection

Haven't received any information regarding this debt. I've been XXXX and do not have any documents from this collection agency providing proof of my sole ownership of this debt. Documents need to be provided. According to my monthly credit score report provided by my bank, it shows a balance of {$1300.00} from Capital Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fait Credit Reporting act 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 XXXX ) thats against hipaa regulation, 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a subscription for an annual service on the site XXXX of U $ S XXXX. The pay was made trough PAYPAL with mine credit card since I don't have a bank account linked to my paypal. 

Then I realized that I chose the wrong option and applied for a refund that XXXX gently manage to cancel the subscription and refund me the same day ( XX/XX/XXXX ). 

Unfortunately, the refund didn't go to my credit card but yes to my paypal balance because of an " issue '' of the system. 

I contacted to customer support on XX/XX/XXXX and until today they didn't refund me my money to my credit card balance and I've already paid to my bank.
Product: Debt collection

The original debt was charged off to my credit report was in the amount of {$4000.00} around 4 years ago. Since that time I've continued to received emails stating they're willing to settle the debt at a lower amount ( see email below ). I reached out to the company multiple times on XXXX XX/XX/XXXX to inquire about the settlement offer. I was told by multiple representatives that although the account was charged off years ago the company has continued to charged the account interest and now I states I owe {$11000.00} which they placed on my credit profile recently and that they're settlement offer would be {$4700.00} which was the original loan amount, or I can pay {$1100.00} down and start back making monthly payments on a debt that was charged off. This seems to be inconsistent with the law and or illegal/unfair interest that has accumulated after being charged off. I would like to make a settlement on what was charged off on my credit of the {$4000.00} with the understanding that I am making an attempt to correct mistakes I made but not to unfair collecting practices and illegal interest being added. Your help in correcting this issue would be greatly appreciated. 

Received XX/XX/XXXX On XX/XX/XXXX you borrowed money from Pioneer Services. At that time, you signed an agreement and committed to pay back the loan but you did not honor your commitment and your account was charged off as bad debt. 
We understand you may be facing some financial challenges. Thats why were reaching out to you today to make a settlement offer on your outstanding loan. 
Were willing to accept an amount less than the total balance in order to settle your debt. If you take advantage of this offer and pay the agreed upon amount, we will report to the credit bureaus that your loan has been settled in full. * Please call XXXX-XXXX-XXXX-XXXX to discuss your options with one of our team members. This is a time-sensitive issue and requires your immediate action, so please give us a call as soon as possible.
Product: Mortgage

I paid off the mortgage on XX/XX/2017. I received a Release many months later ; however, SLS has not notified the credit reporting agencies. I called SLS several times and only gotten the " run-around '' that papers would be submitted. This loan continues to show up on my credit report, namely XXXX and XXXX. I would like SLS to notify all credit reporting agencies that this loan has been fully paid.
Product: Debt collection

I contacted XXXX XXXX XXXX on multiple occasions stating the service they provided made my XXXX  worse and I would not be paying until they sent the correct retainers to fix them. Then I see this company went bankrupt. I will not be paying anything on this and plan to sue for the damages they have done to my XXXX
Product: Checking or savings account

Arvest bank denied over 100 transactions made by XXXX from XXXX till XXXX of XXXX. Signature is fraudulent. Charges were made daily. No fraud protection was offered by bank. No contact was made of this suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Rights Violation under the Fair Credit Reporting Act ( FCRA ) Account XXXX XXXX XXXX I hope this message finds you well. I am writing to bring to your attention a serious matter regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Based on the provisions stated in 15 U.S.C 1681eb, 15 U.S.C 1681s, and 15 U.S.C 1681b, I firmly believe that my rights as a consumer have been infringed upon. The FCRA is designed to protect individuals like me from inaccuracies and misconduct related to credit reporting and ensure the fair and accurate reporting of credit information. 

I am deeply concerned about the handling of my personal credit information, and I request that you investigate this matter promptly and thoroughly to rectify any inaccuracies and violations as required by law.
Product: Debt collection

I have filed CFPB complaints XXXX and XXXX previously, reporting Portfolio Recovery Associates attempts to intimidate me into paying a debt that is not mine. Their responses, to date, state only that they are doing " what is permitted by law '', and totally ignore the clear evidence that this is not my account and that their notifications have been sent to a different person at a different address. 
I recently received notification that my Credit Score had dropped by more than 100 points, and, upon checking, discovered that Portfolio Recovery Associates has filed an ADVERSE ACCOUNT action in my Credit Report. All this, while clearly knowing that this is not my account and that I strongly dispute their claims. They are attempting to intimidate me into paying {$4000.00} that they KNOW is not my responsibility. Their tactics are clear financial elder abuse, and they should be prosecuted and barred from debt collection in all states.
Product: Mortgage

Back in XXXX of XXXX I submitted a prior request to your office. My XX/XX/XXXX mortgage payment was reported 30 days late in error. At that time, the company did admit an error with their system, the payment I did in fact make online on XX/XX/XXXX was delayed in posting to XX/XX/XXXX by their own admission and agreed to take it off and they did. Subsequently the error was corrected and the complaint closed. Then a year later, they go back and reported it again late after not even servicing this loan since XX/XX/XXXX when it transferred to XXXX. I immediately called them on 2 separate occasions this year and Caliber on each occasion stated yes it was an error and that per RESPA laws you can not report a payment late within 60 days of a transfer to a new servicer. I reminded them of this prior complaint with your office and was reassured that it would be corrected once more. It still has not happened. At this point I would like them fined. They can not keep changing my reporting or refuse to correct their system error. It is in writing that it would be corrected. It was and for whatever reason a year later after not even having the loan, they reported the payment again late despite the admission of their system error.
Product: Credit reporting

I have written Experian XXXX. I have included a copy of my drivers license, social security card, and even page XXXX of my current bank statement showing my name and residence. EXACTLY WHAT THEIR WEB SITE SAYS TO DO! 
The XXXX letter they said was suspicious and they refused to do anything. The XXXX letter they ignored me and did not even respond! I have heard stories and read news reports of abuses by these companies and I shocked that I am now a victim of them. I called the XXXX attorneys office and they suggested I file a complaint here and you would help me as this is a Federal issue.
Product: Debt collection

XXXX XXXX account was opened fraudulently in my name at an unknown address I never lived.. I have filed an FTC repot and also a police report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe damages to my reputation, defamation of character, and my familt as well as my quality of living. 

I demand the late payment reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to be removed. 


They are not in compliance with15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law. 

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer.
Product: Debt collection

I have already filed a complaint about the abuse I suffered at the hands of XXXX XXXX of National Recovery Agency. National Recovery Agency violated the law by sending a text to me before XXXX in my time zone. Their text was sent at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX AV XXXX, CA XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a refinance with Wells Fargo Bank N.A. and spent 3 months submitting information to them often the same information for the refinance. At the start they requested XXXX dollar {$500.00} which would be for an appraisal. Well at the end of XXXX I was told that they could not refinance my loan because the chapter XXXX release needed to be 2 years in order for Wells Fargo to issue a loan. My question was as an underwriter should you not have been aware of this from the beginning? That was the 1st thing we discussed. To make a long story short, I said fine let 's move on, please refund me the appraisal fees being that we never scheduled or even spoke about scheduling. I was told it was not Wells Fargo policy to return appraisal fees because they place an order when they start a loan process. I told them, I have not received a service for which you want me to pay for. That is called fraud. I want my funds return. I then proceeded by sending an email to the underwriter requesting my refund for the appraisal fees that were not performed. Until today, I have been forwarded to phone numbers that do not respond and it seems that I have little hope of getting my appraisal fee back. I'm retired on full XXXX and a senior citizen who can not afford to loose {$500.00}, it may not be much to others to me it is alot of money. To charge a customer for a service that is not provided is fraud. Any other person did this to people they would go to jail. Well Fargo is a big bank and makes big political donations, yet they are committing fraud with the American tax payer and getting away with it.