23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ; XXXXXXXX XXXX XXXX  XX/XX/2021 ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ;
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I wrote to each of the Consumer Report Agencies ( TransUnion, XXXX, and XXXX ) and told them that they were breaking the law by putting my private accounts into Public Record and I wanted them deleted. I also gave them my correct name and address because they had incorrect information. At that time, I also expressed that I did not have any CHARGE-OFF 's or Collections because each company settled the accounts and the rest of the money was filed on my taxes as personal income, but they kept it on my report. I wrote them again, but this time I sent it certified mail ( I have the stubs with the receipt numbers on them ). I expressed at that time that they and the furnishers were breaking the law by reporting CHARGE-OFF 's on my report. I cited 15 USC 1681a ( 2 ) ( i ) because the accounts were, by law, not debt, but personal income ( once each company gave me a 1099-C and I reported it on my taxes ) ; 15 USC 1681s ( 2 ) a ( 1 ) A because the Consumer Reporting Agencies are a third party and I never gave my written permission to have the furnishers report my information to them. In the third letter dated XXXX XX/XX/XXXX, ( I also reiterated that they put my personal information into Public Record and although it was removed from Public Record, they reinserted it into my consumer report. I just want this matter solved and my honor and reputation restored.
Product: Mortgage

We took a mortgage from NationStar Mortgage LLC three years ago. We have maintained a perfect record of payments ever since. 
We received a check for {$250.00} last month for " Refund of items overcharged at closing. ". 
How can a mortgage company force us to give them a three year loan without paying any interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Product: Credit card or prepaid card

I purchased several pieces of furniture on XX/XX/XXXX, and they were supposed to deliver within six weeks. Some items were delivered on XX/XX/XXXX, but the bed was missing the tools to assemble it. After waiting patiently for weeks, I contacted the store using different means of communication social media, phone and fax and made him aware several issues such as having an incomplete order and receiving a defective item. The company made no effort to address my concerns, so I later filed a complaint with Virginia State Attorney ; unfortunately, XXXX XXXX XXXX was still unfazed by my concerns and even claimed it was not aware of it. I hired a lawyer to contact XXXX XXXX on my behalf ; the lawyer sent a letter to the company on XX/XX/XXXX. I initial received an email about my credit card balance statement totaling {$440.00} and later received a standard letter without concrete solutions. It is worth noting not all the furniture items were delivered. The balance was for the following items : Occasional table set, Queen Sleigh rails, headboard and footboard totaling {$120.00}, {$92.00}, {$110.00} and {$120.00}, respectively. The order is incomplete because XXXX fails to assemble the bed. It has been aware of this on-going issue since XX/XX/XXXX and has never taken any concrete steps to resolve it ; as a result, this issue has forced me to sleep on the floor for almost six months. I acted in good faith and took all the necessary actions to resolve the issue, but the company was unequipped to address that simple problem. It feels emboldened in its decision to poorly address my concerns because there is clearly a power dynamic involved in this particular case.
Product: Money transfer, virtual currency, or money service

I sent 2 successful transactions via Instarem those went through. So I went ahead and did one more transfer. The company received money from my credit card company XXXX and Instarem posted the status as paid to the receivers account 2vdays ago, but the money is not in the receivers account. 

I looked up customer service number of InstaRem and called but a busy tone and eventually after 2 rings call gets dropped. 

When I reply to their email I get an automated response stating that I need to chat with a customer service personnel that too is automated.
Product: Debt collection

Portfolio Recovery is still hounding me about a XXXX XXXX REward Zone MasterCard account. The account was mine, HOWEVER, I had full coverage of payment protection plan for that account and completed the application for total dismissal of the entire debt due to illness and XXXX. I carried that insurnace on all of my credit cards, XXXX of which were XXXX at the time. I was working, contracted XXXX, became too ill to work and was put on total XXXX. I was found to be XXXX by the social security administration besides my XXXX doctors and you do n't get that unless you are nearly on your death bed, which I was. XXXX should have never sold my accounts as collections. They had all the information through the insurance company. This was from XX/XX/XXXX to XX/XX/XXXX even into XX/XX/XXXX by the time i took the year long XXXX. Although cured, I remain XXXX. XXXX and their insurance company kept losing my information, had my accounts a mess and none of the accounts should have ever gone into collection. I have suffered a great deal over all of this. I have told this to Portfolio Recovery numerous times over the past years. They could look at a statement of mine and see that I paid for the payment protection plan every month. They are now showing a balance of {$1500.00} on my credit report AGAIN. This has caused a great drop in my credit score. I am not denying the account I am disputing any balance whatsoever. Due to being a victim of XXXX presidentially declared disasters in XX/XX/XXXX, XXXX and XXXX ( FEMA disasters ) XXXX XXXX and XXXX XXXX from the floods in Texas, I have lost my home and any paperwork and documentation. My home is still unihabitable and there is no way to prove any of this as it is so old anyway. Portfolio Recovery already has a classaction lawsuit for their behaviors and I believe the CFPB filed a complaint. I received a postcard to complete in order to join the lawsuit so this type of behavior from them should not be surprising. I want this removed from all credit bureaus and any credit card companies that show credit scores. I will not deal with them on this type of level again and am not opting to join the class action suit so that I may pursue this myself if need be. This has kept me from being able to get a home repair loan so that I can live in my home again. I have lost everything except some clothing and a few odds and ends and my vehicle. Starting over at XXXX years old on very little income and being XXXX where I ca n't do much of the physical work myself is a nightmare. Thank goodness I was able to supplement my income a bit with online income but I am still in the low income bracket. They need to leave me alone, please.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a certified letter to experian asking for specific documentation on how their company went about verification of certain items on my credit report, including how their dispute process works. No information was sent to me from Experian and they are in violation of my rights as a consumer according to FCRA ) Section 611 ( a ) ( 7 ). Experian failed to provide the requested documentation within the 15-day period as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Experian Name : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was told by a agent I will be able to turn on cash advance if I lower it with a soft credit pull anytime. I asked this agent several times for my discover it credit card that used to have XXXX cash advance. Since i XXXX it out I been told I cant ever get it back by a agent on XX/XX/XXXX. I want my cash option back since I was mislead to believe I can get it back with a soft pull. No agents can give it back to me. Please review phone call and notes from the date it was XXXX  out. Also I am unable to make any changes online because a authorized user has a credit freeze. I wish yo be able to manage online if possible too
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and see unauthorized inquires reporting. I am a victim of identity theft, I did not authorize this transaction or consent to it being furnished.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Re : Account # XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear [ XXXX XXXX : I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account # XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score.

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB : XX/XX/XXXX SSN : XXXX Cc : CFPB FTC States Attorney General
Product: Credit card

{$20.00} cash advance is at a higher interest rate than purchases. Any payment above the minimum goes to the higher rate correct. Walmart credit card thru Sychrony bank XXXX said I have to pay purchase balance to XXXX before any of the payment above minimum will be credited to cash balance.
Product: Mortgage

Due COVID-19 problem Wells Fargo Bank had offered financial assistance to their customers. Since I've been unemployed due to COVID I have decided to use their offer to skip my mortgage payments for up to 3 months. They accepted my request of XX/XX/XXXX and sent me letter explaining the next steps ( letter is attached ). At the end of XXXX when 3 months forbearance comes to end the bank asked me if I need more assistance. On XX/XX/XXXX I responded that I am ready to restore payments of my mortgage. The bank sent me another letter stating that everything is good, nothing in my mortgage has been changed, missing payments would move to the end of my mortgage payments, etc ( letter is attached ). On XX/XX/XXXX I made my payment and considered that everything is in order. However, on XX/XX/XXXX the bank capitalized the interest unpaid during forbearance and my principal balance has increased accordingly. More, they have reported to credit agencies that I did not paid my mortgage.
Product: Credit card

I am writing to report fraudulent activity on my credit profile that I was unaware of until I recently attempted to finance a vehicle. I was notified several charges and accounts opened in my name without my consent. These fraudulent actions have deeply impacted my financial stability a mental well-being. Additionally, I was part of the XXXX data breach, as well as a more recent breach at XXXX. Despite my efforts to safeguard my information, these breaches have left me vulnerable to identity theft. The stress and anxiety from dealing with these fraudulent accounts have significantly contributed to my XXXX. I am desperate for assistance in rectifying this situation and preventing further harm to my financial future.
Product: Credit reporting or other personal consumer reports

I have tried to create an account with Equifax to initiate a credit freeze. The credit freeze was successful but I am denied access to an account because my information can not be verified. I am not sure what information can't be verified and they have not told me. Now I have a frozen credit report that I can not manage and no way to access it. Their phone line is unhelpful with no customer representatives picking up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX illegally, and unauthorized accessed my credit file, running a hard inquiry indicating that I was applying for a new line of credit, and you continued to certify that as a true and accurate statement. Ms XXXX stated that she in fact ran a hard inquiry due to my not responding to their calls, and mailings. I advised that I had no obligation to communicate with her office verbally or otherwise as my obligation was repayment of a loan, which payments were consistently made. Ms XXXX did not have a legal right under the law to access my credit file and violated my consumer rights as well as my rights under The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act, and was advised to remove the false, and illegal inquiry after which she retaliated by sending me a letter stating that I was in default of my loan which was false and simply a way to intimidate me, and further violate my rights.
Product: Payday loan, title loan, personal loan, or advance loan

I settled XXXX accounts with Affirm in XX/XX/2024. XXXX was with an agency called XXXX. The other was with an agency called XXXX XXXX. Both of the accounts now show a {$0.00} balance with Affirm. However, Affirm is still reporting these accounts as in collections with balances of {$120.00} and {$120.00}. The correct reporting should be PAID/SETTLED or something similar and the balanced reported should be {$0.00}. I have contacted Affirm about this at least twice. Their agents are so arrogantly wrong ( XXXX XXXX on chat and XXXX on a call. ) They keep reiterating the same rebuttal. ( " We can not remove delinquencies, etc. ) I *am not* requesting changes to previous reporting. I am asking for an update to the *current status* of these XXXX accounts.
Product: Credit reporting or other personal consumer reports

The XXXX employees force credit card debt card charges on my bank account bank closed my account because of their behavior
Product: Checking or savings account

Ive been contacting Robinhood for XXXX days now because my account is locked. My account is still locked and they have failed to address the issue. Most of their email responses are illogical and have nothing to do with my issue. Most of the email responses say that I need to log into my account to start a chat or phone call. This is impossible since XXXX locked out of my account. Ive attached some of the emails from Robinhood. One has to do with being a XXXX resident, which has nothing to do with me since XXXX the XXXX resident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done WELLS FARGO can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If WELLS FARGO reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Debt collection

Accounting Department of Ace Cash Services has marked this case as a flat refusal and press legal charges against you. 

We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 

The total outstanding of XXXX amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$3900.00} must also be paid, in addition to the debt. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating. The legal proceedings and any other amounts which the court orders, must also be paid, in addition to the debt If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX Between XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX XXXX ( XXXX XXXX Copyright ( C ) 2016 XXXX | Privacy | Terms of use
Product: Debt collection

placed of collection XX/XX/year> Hunter Warfield Inc # XXXX ( XXXX XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) Balance {$1200.00} XXXX  XXXX XXXX XXXX XXXX / Leasing date updated XXXX