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

In XX/XX/2019 I had a water purification system demonstration performed at my house by a awesome rep named XXXX. I was convinced after all the testing to get a system installed. I was so convinced I wanted to get one for my mom who is a XXXX XXXX military vet. I was told by someone at XXXX who called to verify my information, that in order to get both water systems that we ( myself and XXXX ) need to tell the finance company ( Aqua Finance ) that the way my house was designed, I needed two systems. When Aqua called they didnt bring up the issue of 2 systems. I had my system installed and scheduled the demonstration for my mom. She had to reschedule the demonstration due to doctors appointments. She was notified during this time that she had to have XXXX immediately. After further thought, my mom decided not to have they system installed because extra funds were going to be needed for her care. I contacted XXXX to advise them that we were not going to get the 2nd system installed at my moms. I was told that my 3 days had passed and there was nothing that could be done because the finance company wasnt going to make any adjustments. I contacted Aqua Finance who stated they couldnt resend the contract but XXXX can call them and make an adjustment to my account. XXXX refused. They actually became very nasty. I was told that they could drop the system off and I could try to sell it to get my {$8000.00} back. They said that IF they made any adjustments I would have to pay the fees associated. I said ok, how much are the fees, she said at least {$4000.00}. I laughed and asked why would I have to pay {$4000.00}? She said because commissions were already paid and fees were already paid to the finance company. I said it would be like any other company that makes returns/adjustments to commission checks and financing companies and I refused to accept that offer. We argued for weeks over this. When I said I was going to contact Aqua Finance and dispute the amount with them, I was told that I would be jeopardizing my financing and that Aqua could void the entire contract then the {$15000.00} would become due immediately and they ( XXXX ) would be calling me for a check or credit card for the full balance! What makes this situation even worse is the scare tactics they tried to use. I have made my payments to keep the account current until this issue is resolved. I was also told that I received extra discounts on my system because I was getting 2. I advised that the extra discounts went to the second system because they gave my mom a senior discount and military discount. My system had its own discounts. 

I will also be making a CFPB complaint, FTC complaint, AG complaint. They have also violated the FDCPA!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX  and Transunion on 4 separate occasions with no response or removal. This is direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Product: Debt collection

Jefferson Capital has been told numerous times not to call me and I'm on the do not call list but they still call me multiple times a week. I've had to block their number but they still keep calling. Below are some dates and times from the past month, listed most recent to oldest. 

Today ( 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 Every few months, they suddenly blow up my phone, stop for a month or XXXX, and then call constantly again. They have been told several times to stop calling and they still keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I was frauded and purchases were made on XXXX since XX/XX/XXXX I have not used it. They refunded recent ones that was done but saying that others were authorized when weren't. They are refusing to help or listen
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 XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

The above message was sent via mail on XX/XX/2023 to the Credit reporting agency regarding a student loan account. They refused to follow the law on XX/XX/2023 that clearly states they are in violation of government code 15 USC 1681a. I've requested the account to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX secured XXXX card where I have deposited {$5000.00} to obtained the XXXX card with {$5000.00} line of credit to improve my credit score. That card is being used occasionally and I pay it in full every time I use it. As far as I knew there was no yearly fees in the card since I have multiple bank accounts with XXXX XXXX XXXX. 

I worked really hard on my financial situation for 5 long years to improve my credit score to XXXX since I was trying to get a mortgage loan. Without my knowledge and without any correspondence XXXX XXXX XXXX imposed $ 39 yearly fees on the secured visa card. Since my balance was zero I was not getting any statements from XXXX XXXX XXXX. As I submitted my loan application for mortgage and checked my credit score I see XXXX XXXX XXXX reported to credit bureau my account is delinquent for 60 days for {$39.00} dollars and my credit score dropped to XXXX I spoke to XXXX XXXX XXXX and they are non cooperative, so I paid that {$39.00} dollars and the account still showing 30 days delinquent. I have a zero balance on the card and it 's hurting my hard earned credit score. I should not be responsible for fees on a XXXX balance secured XXXX card which was imposed without my knowledge and without any sorts of communication. Please tell XXXX XXXX XXXX to undo the credit bureau reporting to reflect my original XXXX credit score and I will happily close the secured visa card account. Thanks for looking after innocent victims and consumers.
Product: Credit card or prepaid card

I am a victim of Identity Theft. The credit card company is called us bank. On my credit report it said it opened date open XX/XX/2022 credit limit XXXX. I reported it as Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$510.00}.
Product: Mortgage

Recently refinanced my mortgage. Servicing was transferred to Truist and received the transfer instructions with first pay XX/XX/XXXX. Have been trying to set up auto-draft for 3 days now and never gets completed ( just says its working endlessly, so long keep getting logged out ) So attempted to call them on the number provided. Was put on hold for 25 mins and then calls keep getting dropped. Same thing with chat option. 
They are not fulfilling their consumer and customer service obligations, I want to not have to deal with this every month and the inability to set up the monthly payments online as they represent is a failure to fulfill their obligation as a consumer facing servicer..
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency by the name of XXXX XXXX XXXX, inaccurately reported an account on my credit report. I have had no such business dealings with this company and am therefore asking XXXX  and Experian to remove this inaccurate account information immediately due to identity theft. This has caused a hardship on my report and needs immediate investigative action.
Product: Credit reporting or other personal consumer reports

I fixed everything on the account once I was notified. It's not that I refused to pay it or couldn't pay it, it's that the ONLY reason that account ended up delinquent and XXXX  days behind was because their app not only mislead me, but also misrepresented the fact that auto pay was not for my capital one account as a whole but rather one individual card instead of all on my account. It kept telling me auto pay was on but little to my knowledge it was just for that one card and notifying me a payment is coming up and auto pay was on. I never got notifications on the app about my behind card either, I only found out because of XXXX XXXX. They never made it clear that auto pay was for individual cards and not my whole capital one account. So I went months thinking everything was good and being paid on my other XXXX card. They also gave me some false sense of security by removing it, then not even XXXX days later, they added it back. All this, over a misunderstanding with their app structure. If you look at my other capital one account, it even has perfect payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. In accordance 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 
These addresses does not belong to me
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX NONE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting I was late 30 days on my vehicle loan for the month of XX/XX/2021. I disputed the error and the late payment still remains. Dispute results state the creditor certified the information was correct. I do not understand how that could be if I was never 30 days late on my payments. 

The account being reported incorrectly is Credit Acceptance. The month I paid off my loan ( XX/XX/2021 ) is when they reported the alleged late payment.

I tried contacting Credit Acceptance and they can not tell me why it is reporting late and told me my account had no late fees assessed. They did provide me a copy of my payment history which I can provide to you.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX act Convergent XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown and unauthorized inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

bankrupcy is being reported on my credit report. Bankrupcy # XXXX. I have contacted the court and the do NOT provide, share information with third party credit agencies.
Product: Debt collection

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide e documentary evidence. I have never done business with your company and have no legal obligation to pay you for any services. I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
Product: Debt collection

I have overpaid to Mandarich Law Group , LLP ( hereinafter " MLG '' ) for benefit to their client XXXX XXXX XXXX ( " XXXX '' ) {$1000.00}. I have been repeatedly assured by representatives from MLG and from XXXX that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from MLG through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either MLG or XXXX. I have contacted 'XXXX XXXX ' at MLG via phone on XX/XX/2018 @ 1XXXX XXXX XXXX and was told that the refunds had not been sent and that the MLG accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to MLG from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both MLG and XXXX submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.

I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, XXXX through it's representative MLG, owes me the total overpayment amount of {$1000.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXXXXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX on XX/XX/XXXX under the XXXX account number, and an account opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and chargeoffs are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

I paid off the mortgage to Champion mortgage in  XXXX  for the estate of my uncle. They sent me written affirmation that it was paid off on  XXXX   XXXX . The forced place insurance company settled with me for {$150000.00} in damages to the property which had the mortgage in  XXXX  but the mortgage company insisted it receive the check. On  XXXX   XXXX  Champion mortgage informed me that it had received the check from the insurance company but was holding it pending a showing that the repairs had been made. I have tried to convince the mortgage company to send me the check, since  Champion no  longer had any interest or was owed anything on the mortgage, and have received numerous reasons why it could not do so including saying the check was in the mail, though it had not reached me 14 days after their saying so. Ironically,  Champion ap plied an earlier insurance check that was issued in  XXXX    XXXX   to the unpaid balance of the mortgage, without asking my permission. I would like the money with interest ASAP. I am the legally appointed administrator for the property.
Product: Student loan

I received a XXXX from maryland loan repayment program to apply towards my student loans. MOHELA took XXXX  months to fill out the required form whereas my colleagues with a different loan servicer had this done in a week. Then a XXXX check was sent to MOHELA that was cashed by them XX/XX/24 and not applied to my account. Called multiple times and they have no record of cashing it and are not helping to resolve this issue.
Product: Credit reporting or other personal consumer reports

All of these reports has been disputed but the credit bureaus havent removed it due to lack of evidence. I can provide proof of residency and utilities during the time of all of these reports and it is not the same XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX {$580.00} XX/XX/XXXX XXXX