23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Portfolio Recovery on XX/XX/XXXX about the account listed on my credit report. I told them that I had no knowledge of the account and it was not mine. the first agent told me that the account was opened in XX/XX/XXXX and was charged off for {$200.00}. I told the agent that I would like to dispute it because I never applied for a credit card in the year of XXXX. On XX/XX/XXXX I contacted the company again about the resolving this issue. they told me that the account is under dispute I must pay the set amount with of XXXX. And the agent also informed me that the account was open in XX/XX/XXXX and the amount owed is XXXX. I informed them that it was not my debt and I am not responsible for the account and to please remove from all 3 credit agency 's. Since the information was incorrectly please have the information removed from all three credit agencies
Product: Vehicle loan or lease

KIA Motor Finance refuses to give me my insurance settlement. I negotiated a 36 month XXXX mile lease at my local dealership. I agreed and signed a contract that verifies this. Additionally the contract has a buyout amount of {$12000.00} plus fees. ( {$14000.00} ). My vehicle was hit while parked in the 33rd month of my lease, I continued to make the remainder of my lease payments while my insurance company figured out what to do with the vehicle. The vehicle was a total loss and I negotiated a value with MY insurance company of {$23000.00}. My insurance company sent this money to KIA Motor Finance after they told me they were waiting for a Letter of Guarantee from KIA Motor Finance. I made my last 36th month payment and also included the buyout amount with taxes and fees. This check totaled {$14.00}, XXXX. In summary I followed my lease contract to the letter. I did not approve or authorize many of the steps that the insurance company did, and I certainly did not agree to anything KIA Motor Finance is attempting to do. The vehicle was removed from the collision shop without my knowledge and auctioned off. 
A manager at KIA Motor Finance told me that since he received the insurance check first, he was returning my Buyout check. NO KIA Motor Finance cashed my Buyout check days after receiving it. They accepted my payment in full! 
I do not approve of this!
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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
Product: Mortgage

Easyknock does the opposite of their mission statement. The sale should not have happened in the first place. I was under a ton of stress and I don't even remember signing it over. They change the terms in their contract too and design it to make it nearly impossible to repurchase your home. They use a credit simulator to determine how much money you will receive then they give you just under that amount. I know this since I spent the XXXX I received on day XXXX trying to buy it back. They didn't do XXXX in repairs I paid for. Now they are trying to sell my house and give away XXXX + XXXX I spent for the option to buy it back. They are giving XXXX I paid away to a stranger. You can see this on the price history of XXXX XXXX  XXXX XXXX. They bought it for XXXX, did not do XXXX in updates that I paid for, then listed it for XXXX. That doesn't even make sense. Also, they appraised it for nearly XXXX less than the same house a couple doors down sold for ( XXXX XXXX XXXX sold for XXXX ). It is suppose to be an independent third party. I just want my house back. The original contract I don't even remember signing should be void to begin with. This company is downright unethical and predatory. They use the repair fund contract and credit simulators to work against their clients. They are going to make a lot of people homeless and they need to not be in business. I got nothing out of this company whatsoever other than potentially loosing my home and throwing away everything I put into it and spent to keep and renovate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes particularly in light of the CFPBs lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost Funds is impossible and tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers, but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting

I am seeking your help diligently because I was denied a job for a background check. The hiring manager claimed everything was a go and I did the drug screening, fitness exam, and even a XXXX physical to find out later on that human resources denied my employment. I applied to be a XXXX for XXXX XXXX who in turn used ASURINT ( background company ) to run a background. After being denied because of this, I researched and found out that ASURINT should not have gone back further than 7 years into my past especially if the jog was going to pay less than XXXX per year. XXXX things based upon my preliminary research. 1. ) Background check : 7 years back ( 2 ) Makes less than XXXX per year. I thought E.E.O.C., F.T.C., and you all had rules in place regarding hiring people.
Product: Vehicle loan or lease

Good day Took over a lease of a XXXX XXXX to avoid fees such as deposit and taxes. I have done this several times. 

BMW after 1 month of assuming the lease. I get a bill for {$700.00} +. for TAXES which were not disclosed at the time of signing. 

After numerous correspondence and calls the company failed to rectify the issue. I set up a Arbitration Complaint #. XXXX. The Company never responded to the XXXX  to participate in the Arbitration, According to their terms and conditions prior to starting a civil action I am required to attempt to resolve any issues by Arbitration first, Company is ignoring my request., XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX. XXXX NJ. XXXX Regards XXXX
Product: Money transfer, virtual currency, or money service

There is no law or rule barring my account from being unlocked while I am not present in the US. I have provided Gemini with all of my original documents and all additional documents that they have asked for to complete the reverification process. 

The issue is Gemini wants me to be in the US for them to unlock my account, even going as far to ask for my travel documents. There is absolutely not law or rule saying that I must be present in the US for my account to be unlocked. The only rule that I violated was logging in to my account outside of Gemini 's area operation. Again I have provided all necessary information for my account to be unlocked, but Gemini does not want to unlock my account unless I am in the US so now they are claiming that my explanation is insufficient and that combined with my documentation is not enough to have my account unlocked. 

Furthermore, Gemini has lied numerously in their responses to my previous complaints. When I pointed this out and provided evidence, they then changed their story and swapped the dates at which they, " determined that the explanation and documentation provided by XXXX XXXX is presently not sufficient to restore full access to his Gemini account ''. 

This is a blatant manipulation of the events so Gemini can avoid responsibility for poorly handling this situation. I have completed all tasks on my side, but Gemini for some reason believes they have a right to demand where I must be in order for my account to be unlocked. Again there is no law or even rule stating that I must be in the US for my account to be unlocked. 

Gemini continues to refer to the original offense which I have already worked with them to solve, yet they have chosen to obstruct the solution by presenting a baseless rule that has no legal grounding. I have asked numerous times for Gemini to cite the specific rule or law that requires me to be in the US for my account to be fully unlocked. When I do this they refer to the original rule that my account must not be accessed while outside of Gemini 's area of operation. This is a non-answer and does not prove that my account must remained locked while I am outside of their area of operation. 

Again, I appeal to Gemini to unlock my account. They have all of the necessary information to do this, so it is their obligation to do so regardless of which country I am currently in.
Product: Debt collection

I received a phone call from Finex Group LLC stating that I owe a debt on towing charges for a vehicle that I sold in XXXX. I let them know that I sold the car in XXXX and that I am not responsible for the debt owed as I submitted a release of liability form with the CA DMV at the time of sale. The car was found on a property in XXXX and I was notified by the local sheriffs department that the car was found. After a phone call with the CA DMV and Sheriffs Department, I was told I did not have any responsibility for the towing charges associated with the vehicle and that they will contact the buyer that I sold the car to in XXXX. ( The car was sold one more time after I sold it and both owners failed to register the vehicle ). The buyer that I sold the car to didnt have an address and refused to provide me an address, so the DMV advised that I list Transient on the release of liability to clear me of liability and it was successfully processed. Fast forward to XX/XX/XXXX. The employee that I spoke to at Finex Group LLC, XXXX, aggressively belittled me and argued saying that its my fault and responsibility for this debt even though the DMV and Sheriffs Department already cleared me of this responsibility. She asked me if I cared about my the negative impact this will put on my credit if I dont pay, which is a clear violation of the FDCPA. In addition, she stated that This debt is indisputable so [ you ] might as well get an attorney before I was even sent a letter and given a chance to dispute and investigate the debt that is not mine. This seems like an illegal and unfair attempt to collect a debt. Furthermore, I never received a bill or was ever contacted by the original towing company and had no idea of the charges. I filed a dispute with Finex Group LLC and they immediately invalidated my claim. Finex Group LLC used aggressive scare tactics and threatened a negative credit report if I didnt set up a payment plan that day for a debt that is not my responsibility and I would like this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX  account in full it was a balance of XXXX, it was charged off but I paid it in full and I have had it investigated twice I even sent the letterhead that XXXX provided, to show that it has been paid and it is still showing as a negative unpaid item on my credit report therefore lowering my credit score and I am purchasing a house in the next couple months so I need this item removed or corrected. Its still showing on my XXXX and Experian Report.I can't get it corrected.
Product: Credit card or prepaid card

I applied for the Hilton honors credit card that is from American Express on XX/XX/2021. The website was showing the offer for this card. Welcome Bonus XXXX Hilton points if you spend {$1000.00} in the first 3 months of opening this card, if you spend {$5000.00} in the first 6 months you get an additional XXXX Hilton points. 
So I signed up for this card and spent {$1000.00} in the first 3 months and got XXXX points. When I spent {$5000.00} in the first 6 months I didn't get any extra points, so I called up American Express and asked them where my XXXX points are, they tell me we didn't promise you only XXXX points. 
So I am reaching out to the Consumer Finance office to help me get the XXXX points that I was promised when I signed up on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status NO STATUS. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Account charged off. {$950.00} written off. {$950.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4000.00} Status Open. {$490.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. {$4800.00} past due as of XX/XX/XXXX.
Product: Mortgage

I believe that Carrington Mortgage services , LLC have used deceptive and misleading and undisclosed practices and contracting that go against The TRUTH AND LEADING ACT, TITLE XXXX USC 1692a,1692b and 1692c. This put my family in serious harms way and has violated my Consumer Rights. 

account number : XXXX amount : unknown actions taken by Carrington Mortgage services , LLC
Product: Credit reporting or other personal consumer reports

XXXX must disclose there connection to squatter from XXXX here on an visa faking his name as XXXX XXXX and now the name, policy number and vital details blackout. You must process the claim as corrupt attorney XXXX XXXX were fully aware that I am owner on XX/XX/year> by XXXX  response under XXXX and reported fraud by XXXX XXXX XXXX XXXX and XXXX by chase me XXXX XXXX as XXXX XXXX With XXXX fake XXXX degrees XXXX. To be a doctor at clinic XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. Computer professor at XXXX XXXX now fired case XXXX. Any details you can find on the CFPB FEEDBACK PAGE. XXXX informed by XXXX XXXX XXXX that they confirmed myself as title owner XXXX and XXXX and after he cash XXXX escrow account checks in my name I reported it to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Debt collection

Focus Receivables Management has contacted me several times to collect a debt for XXXX. Each time I call back they tell me they are trying to reach someone else and not me. I have asked them to stop contacting me that I do n't have XXXX and have n't in over 7 years. Each time they tell me they have no record of me contacting them back to ask to be removed. Spoke to them again today and was told I would be removed.
Product: Debt collection

My bankruptcy was filed electronically on XXXXXXXX XXXX XXXX. I was contacted today regarding a Sams Club account for XXXX in the amount of {$5700.00}. 
I still have all my bankruptcy paperwork and told them that this account was on there however, my dates say XXXX and XXXX. First they said that it was because I filed bankruptcy for a personal account and the this is a business account so when I researched my bankruptcy account it had two accounts on there. I assume that was my personal and my business account. 
Their claim was that the amount was for XXXXXXXX  to XXXX My statement was that credit card issuer always issues you a new account number when cards expire I doubt that Sams Club would have given me two more account numbers if I was not paying on the other two, I told them this and that I dont think I owe the money. 
They started at resolving the amount due to be {$2300.00} and for me to pay {$100.00} per month As time progresses throughout this phone call they and receiving copies of my bankruptcy paperwork then they resolved it to 10 % of the actual amount. 
Now they want add {$570.00} in three payments of {$190.00} each. 
I made the first payment. Then I researched and found out that this payment is over 20 years old or close, and a debt collector could not collect on this or sue me. 
I am retired I am XXXX XXXX XXXX. I am on Social Security. 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 
Regardless, I filed bankruptcy. These accounts were included, and I do not owe this debt. 
I am trying to cancel this payment as I honestly believe I do not owe it. 
Below is the email requesting that I sign the contract for {$570.00} which I have not done and will not do. 

XXXX XXXX XXXX Name : Original Creditor : BANK Our Account # : Original Account # : Total Balance : {$5700.00} Dear Mr.Mrs. 

In an effort to liquidate the balance of the above-mentioned account, we have been authorized to offer you a settlement in the amount of {$570.00}. The settlement is to be paid in 3 payments first payment is {$190.00} on XX/XX/XXXXXXXX  for two payments you will call us once a month. 

You can give us a call at XXXX and one of our Professional Account Managers will be happy to assist you. 

We do not charge any payment processing fees and all Settlements are updated as Paid in Full. 

Upon successful receipt of funds, this office will submit a closing report to our client for credit reporting purposes. This offer will become NULL & VOID if not paid on or before the due dates above. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX PH # XXXXXXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. 


This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing presence of fraudulent items on my credit report. 

Despite my repeated efforts to dispute and remove these fraudulent items, they continue to tarnish my credit report, posing a significant threat to my financial well-being and reputation. These inaccuracies have caused immense stress and XXXX  as I strive to rectify this situation and restore my creditworthiness. 

I have provided ample evidence of the fraudulent nature of these items and have adhered to all procedures outlined in the Fair Credit Reporting Act ( FCRA ) to resolve this matter. However, it is disheartening to see that my efforts have yielded no tangible results, leaving me in a precarious position with creditors and lenders. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Furthermore, I expect a formal explanation for the repeated failure to address my concerns and uphold my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXXXX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

I have loan from greentree services, for the last few years I have tried to get a modification from them. They repeatedly have made it impossible for this to happen. My spouse died in XX/XX/XXXX in XX/XX/XXXX I became XXXX through work. I have tried over and over to refinanced or modify my loan. They always would lose paperwork, and have me jump hoops to re- submitI always have a new person working on the loan, and again, always turning paperwork to no avail papers. I have done this for years, with no help from them.Please help
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX ( XXXX  ) that was done on XX/XX/year>. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.