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

To whom it may concern, I am concern i am contacting you regarding my complaint against Cheadle law ( XXXX XXXX ) Tennessee. They are handling a case with XXXX  XXXX. I borrowed a loan back in XXXX while leaving in XXXX Tennessee. It was a high loan .I don't remember how it was but i know it wasn't a XXXX loan that Cheadle law trying charge me i told one of the represent trying make payment plan and she was very mean and rude. I ask her how much the loan i borrowed and she said XXXX. the interest rate was XXXX and court cost lead up to XXXX. That was my total to pay ..I told her no one try to get intouch with me and she said they don't have to get InTouch to send you to court but i can make a pay arrangement. I don't remember borrowing that much money and i know XXXX  XXXX  sold the account and these people are scaming to get over XXXX dollars from me. This is outrage .they are adding unjustified amount to problem XXXX account are less. They are adding these fees with out any proof of the actual amount that was sent to them. That loan was taking out in XXXX i was making my payment on time i just had lost my job and my phone service and i had to move so i got in a bad debt. But still doesn't mean because i mess up that i have pay extra XXXX or more for it, then i try to make payment arrange with this law firm and still charging outstanding fees. the lady was rude and aggressive and hung up the phone. Not good customer services. My question is how problem XXXX loan or less and come out to be XXXXThey are get over and using they lawyers as intimidation. please hold the firm accountable for unfair practices.
Product: Credit card

TO Discover Credit Card Reference : Roll back for credit paid off on Discover CardXXXX Recovering from XXXX XXXX, I want to get back to the workforce by posting my resume on XXXX 
As usually, I was approached by email with a job offer by XXXX XXXX XXXX, a presumed hiring Manager of the Company XXXX XXXX XXXX. He put me through a job interview and hired me as a Customer Service Representative in a meeting on XXXX XXXX platform. 

After I have accepted and signed the XXXX XXXX XXXX, the next day of our meeting, he offered to pay off all my credit cards balance as stated on the XXXX XXXX XXXXXXXX, as the way to let me use my cards to purchase for my work equipment. 

He gave me routing and bank account number and the bank name to use to pay off all my credit cards. I did and reported to him with all the payment confirmations numbers. After that he directed me to use my cards to purchase XXXX and XXXX to send to their software manager for software installation. As the available balances can not be enough for the equipment, he wanted me instead to purchase XXXX gift cards to allow him to make arrangement with the company software manager and vendor. I did purchase those gift cards with my XXXX XXXX XXXX card and XXXX XXXX, and also {$2000.00} borrowed from my wife. All the conversations and details are on the pdf attached to the letter. 
In summary, all the clear details are on the pdf from the bank account to some scammers names. 

Now my concern is how you facilitate the system for him to roll back the money without any warning to me. Without any investigation. 
I am the one who call to paid off the card with a bank account information. Before any cancellation you need to contact me first to know what about. If it was any criminal act, you got the right to pursuit me. This is not fair to help somebody to steal from me with your help. 

Kindly, I recommend Discover Card to open a criminal investigation on this bank account, given to me to paid of my credit cards, and afterwards let me refuel the cards to deepen my debit. You need to let the FBI be involved to get to the bottom of this. You can not easily put this financial burden on me. 

Secondly, I recommend you stop any collection action again me, and late fees, until we get the whole fact ; and restore my credit card back to paid off, as it was, before you roll back the credit. 

Looking forward to hearing from you, P.S.-XXXX XXXX XXXX, XXXX of all the conversations of the presumed hiring manager of XXXX XXXX XXXX with me.
Product: Credit reporting or other personal consumer reports

I have inquiries that I dont recognize on my report.
Product: Credit card or prepaid card

I was charged fraudulently twice the same dame by XXXX on XX/XX/2020 for two different amounts for the same rental we vacated because the advertised lake access from the property was not attainable because the property tram to the late was broken. We spoke to XXXX the area manager that promised a full refund. Only one of the two charges was refunded and the other discounted as a sham transaction. Citi failed to properly ascertain what transpired and has reported against me to the credit bureaus improperly and continues to send me billing. I understand XXXX does this type of fraudulent charges regularly.
Product: Credit reporting or other personal consumer reports

Earlier this month i received an email from XXXX that my personal information has been compromised due to a data breach, this information included my name, social security number, date of birth, address and phone number. they gave me identity work to use for XXXX year. i decided to purchase my first set of credit report from XXXX that got sick to my stomach to find out that i have been a victim of identity theft for a long time. apparently. these criminals somehow find my personal information and changed my phone number and address and got two credit cards from BANK OF AMERICA, since I was not aware of these accounts, they both account got charged off and i do not know if they been sent to collections or not. i immediately contacted credit bureaus and told them about these unauthorized accounts and they instructed me to file a police report and a report on this site identitytheft.gov. Please help me to resolve this stressful situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that resulted in fraudulent accounts and unauthorized inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted immediately : Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Unauthorized Inquiries : 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 card

Left on the account. On XX/XX/year> I requested a refund of the {$310.00} balance. They stated that they would transfer it to my checking account and asked for my routing information. To this date, I have not received the credit balance And every time I call, they say that they can see where it was requested, but it was never given to me and they cant explain why. The last phone call I need to them was today XX/XX/year>. After placing me on hold several times, she hung up on me during one of the whole times and never called back.
Product: Prepaid card

on XX/XX/year> i had {$300.00} transfer from money network which is prepaid card for my XXXX from XXXX  to XXXX XXXX XXXX, h However I mistakenly provided the wrong account number. Result that transfer did not bounce back and the credit was not returned I have been requesting a refund since XX/XX/XXXX but have received no resolution I kindly ask for your assistance as {$300.00} is a significant amount of money for me being on XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed an erroneous account that need to be immediately DELETED. 

XXXX XXXX XXXX has violated my consumer rights clearly outlined in 15 USC 1681. 
As a federally protected consumer, I am well aware of my rights and more specifically my RIGHT TO PRIVACY within 15 USC 1681A ( XXXX ). 

Re : XXXX XXXX XXXX of XXXX I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, XXXX debt that has been XXXX and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 

As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form XXXX related to this debt, to be sent to the address provided above or via email at your earliest convenience. 

It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. Your company is also setting itself up for a civil liability suit under 15 USC 1681n for negligible non-compliance with a possible {$1000.00} expense for each violation as well as a suit under 15 USC 1681o for negligible non-compliance with even higher resolutions. 

Moreover, I have been directed by the IRS to file Form XXXX for illegal tax violations against your company in order to address this matter. I trust that neither you nor your XXXX XXXX  would desire to engage in legal proceedings over such XXXX XXXX 

I hereby demand that you take immediate action to notify the credit bureaus to DELETE this erroneous information from my credit report without further delay. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.
Product: Mortgage

Recently my house was refinanced and Newrez becomes my new lender. Since my community is a new construction, township sends out supplemental tax bills. Newrez is aware of that, and sent me a mail ( I have the original mail ), stating they will not pay the supplemental tax bill, unless I forward the tax bill to them. So I chose to pay it myself. I paid {$11000.00} to my township, and I got confirmation from the township tax collector. However, Newrez tried to pay that too even though they told me they wouldn't. I asked my township tax collector, and was told the check from Newrez was sent back on XX/XX/year>. I contacted Newrez twice, and they refuse to admit the check was returned to them, and insisted the check was cashed, and my escrow balance was deducted. Newrez failed to manage the tax effectively, and charging me an extra of {$11000.00}. This can't be accepted.
Product: Credit reporting or other personal consumer reports

According to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 B ), these inquiries appear to lack a permissible purpose on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I understand the importance of maintaining accurate and fair credit reporting, and I am reaching out to request your prompt assistance in rectifying this matter
Product: Debt collection

I took my son to my XXXX XXXX XXXX and he had XXXX insurance. All of a sudden I received the 8 collection in my name and on my credit when the entire process was in his name with his insurance through work and they're apparently was some sort of issue. Long story short, I'm being charged for something I had nothing to do with all I did was drive him there.
Product: Credit card or prepaid card

I purchased tickets for a concert for XXXX XXXX on XX/XX/XXXX and was not able to make the concert from merchant XXXX, I put my tickets up for resale on XXXX  site, XXXX made a an error and tickets could not sell. I was refused a refund by the merchant. 
I contacted Capitol One where I use the card to purchased tickets. 
Capitol One asked me to send proof that I was to receive a refund, Several letters were sent to Capitol One to resolve the refund. 
I showed proof to Capitol One that a refund was promised and they still ruled with the merchant. 
I talked with Capitol One operators many times by phone, last time was XX/XX/XXXX. 
I received a document from Capitol One on XX/XX/XXXX explaining that to much time had passed and they no longer dispute the charge. 
My problem is Capitol One drug this out over 4 months and they are at fault now not the merchant, and they still have not resolved this. 
After this is resolved I can no longer trust Capitol One to protect me from fraud.
Product: Debt collection

XXXX has continued to harass me and others since purchasing this KNOWN FRAUDULANT DEBT from XXXX XXXX. In 2021 someone made multiple fraudulent purchases in my name including one at XXXX XXXX. I have never used this merchant. My bank identified it immediately as part of the compromise to my finances and accounts and ruled it as fraud, notified XXXX XXXX and reversed all charges. 
At that time, the debt was sold to XXXX who began harassing people mercilessly. A complaint was filed, a CFPB complaint was filed, and all three credit agencies were notified that the collection added at that time was indeed fraudulent and XXXX is aware of that. 
The collections were removed from my file at that time. 
XXXX, knowing the " clock '' is running out on the debt has begun aggressive attempts again, in bad faith, and knowing the debt has been deemed fraud and already removed prior on multipole occasions, resumed calling, and threatening again. The XXXX agent stated they did not care who the debt belonged to, if it were fraud, etc. and stated they would damage my credit intentionally to cause me harm and force me to pay the debt regardless of its fraudulent status. They readily admit it had been established that this debt has been determined to be fraud in the past. 
XXXX further stated they saw I had applied for loans and was making soft pulls looking at autos and would sabotage that. 
Indeed, XXXX has done this and has intentionally and with malice aforethought once again filed a collection on the fraudulent debt that they are very aware I am not responsible for, my bank has ruled as fraud and charged back to the original merchant, has been removed from my file multiple times, and once again filed a collection on all three agency files to intentionally cause me mental anguish, financial hardship, cause the denial of loans to leave me without transportation, harm my future employment status, leave me unable to seek medical attention for myself as a XXXX individual with limited mobility, place my XXXX son at risk and unable to seek therapies, treatments, and educational opportunities solely to force me to pay XXXX a debt I do not nor never have had a responsibility for and XXXX admittedly state they are aware of my lack of responsibility. 
All of this is documented by bad faith and predatory behavior that the firm has exhibited and has a known systematic pattern of documented behavior and legal filings from consumers against XXXX. 
I would demand that XXXX remove the collection from my file immediately, compensate me financially for the FCRA violations they are in contempt of, and that all three major credit agencies IMMEDIATELY remove the collection from my file, or they too face repercussions.
Product: Mortgage

I was charged XXXX  of dollars to cover interest during the construction phase of the loan. This amount was included in my loan. However, I had to pay interest during he entire construction phase of the loan. Triad never credited me the interest that they rolled in to the mortgage. I tried reaching out and sent a document that outlines the charge as proof but I have not recieved any response or acknowledgement of the document or new issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only ha ve one nu mber that is legit and that is  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first want to state that this complaint is being submitted on MY OWN BEHALF. This is NOT a third party company. I XXXX XXXX XXXX am seeking remedy in the form of monetary relief for the violations that TRANSUNION has committed against the me a natural person. I have submitted numerous complaints and only half of my instructions and demands were honored. I have also called TRANSUNION to get remedy in private however to no avail and was instructed that they can only submit disputes. I have demanded all account items be deleted and the FICO score be re calculated to the highest numerical value of XXXX. In addition I recently received proof that my consumer rights were violated. I received investigation results that displays 7 deletions. Not only were those 7 account reporting for years i the natural person was denied extensions of credit which is discrimination of character because credit is the right granted by the consumer and not a bank. According to the National Banking Act banks can not lend their own credit. Credit can only be extended originally by the natural person. TRANSUNION is liable for the violations and I am demanding remedy due to those violations pursuant to the FCRA
Product: Credit card

I am writing to file a formal complaint against American Express regarding a misleading advertisement and failure to honor the promised rewards for their XXXX XXXX XXXX 

On XX/XX/XXXX, I saw an advertisement for the American Express XXXXXXXX XXXX XXXX that offered XXXX rewards points upon opening an account and spending {$8000.00} within the first six months. Based on this offer, I applied for and was approved right now for the XXXX XXXX XXXX 

To meet the requirements for the rewards, I diligently tracked my spending and exceeded the {$8000.00} requirement by spending over {$10000.00} within the first three months. Despite this, American Express informed me that I am not eligible for the XXXX rewards points. They claimed that there was a pop-up notification when I opened my account that indicated otherwise, but I did not see any such notification, and there was nothing that contradicted the original offer. 

I have discovered that many other customers are experiencing the same issue with American Express. This indicates a pattern of misleading advertising and unfair practices. 

I request that American Express honors their original terms and provides me with the XXXX rewards points as promised. Additionally, I seek clarification on how American Express intends to address this issue for other affected customers and prevent such misleading practices in the future. 

I appreciate your assistance in resolving this matter.
Product: Student loan

don't ever use granite state management promised if I consolidated my debt they'd remove my late payments from my credit report and have not done so
Product: Credit reporting or other personal consumer reports

TransUnion violated the FCRA numerous times. 
1. They failed to investigate my disputes despite me sending them proof of inaccuracies in my report.

2. They failed to provide a notice of dispute during my dispute period another FCRA violation.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). A new application was submitted as we were advised by the lender as long as the updated information was received 15 days prior to the sale date - We were advised today they are denying the review due the information not being received 37 days prior to sale in accordance with CFPB - this is not a requirement of the CFPB it is a stated requirement of the lender and not stated in any regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  is not following the rules of the Fair Credit Reporting Act. I disputed 4 accounts on my credit reporting XX/XX/2020. In my response from the credit bureaus through CFPB it stated that they require more time to investigate. This is now XX/XX/2020. That's too long for investigation or to receive verification of a debt.
Product: Debt collection

I have been trying since XX/XX/2017 to resolve a Identity Theft case with XXXX XXXX XXXX. I have never had nor have I ever opened a credit card account with them. I have never applied for a credit card with this company.

I spoke with the company several times in an attempt to resolve this issue. One of my last conversations with the company I was told that they were removing the account to reflect that I never opened an account with them and a year later I am received a letter from a collection agency.

I continue to receive letters after I have filed a police report, and had an Affidavit notarized and mailed back to the collection agency on their paperwork.

They are harassing me with letters about this debt that does not belong to me. I'm receiving a letter every week from them and when I call in I have a representative say to me, " Wouldn't it be worth it to pay the debt off? '' If it was mine, absolutely, but it is not. And I have follow all of their procedures to resolve this issue and it has not helped.

The amount on this account is : {$630.00} The creditor : XXXX XXXX XXXX The collection agency : LVNV Funding LLC.

Neither the company nor the debt collector can give me an account number for this account nor do they have my social attached to this account. I would like for them to please remove this information completely from my credit reports. 
Thank you.