23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX, I purchased a total of 3 serve American Express cards totaling {$1500.00} in the attempt to purchase a car via XXXX XXXX  XXXX  after sending in the initial payment. I was then ask to send another {$1000.00} for temporary transportation insurance Because the car is valued more than what i am paying for it. I reluctantly send the XXXX dollars via XXXX XXXX XXXX pre paid. The time of delivery as pass so i reach out to the XXXX finance department at least thst what i thought. About an update on delivery they responded stating they need another XXXX dollars for temporary state tax, i started to get suspicious so i continue reading the email it also stated the was in my state. So i decided to ask for a refund and thats when all communications stopped. I reach out to both card companies they informed me the card was spent " XXXX  stores '' i filled out all the necessary information for the dispute however the card company declined my refund that is American Express. The other card company XXXX XXXX  did not send me any forms for the dispute currently i am out {$2500.00} I purchased these card to secure my funds and my self..
Product: Debt collection

I received a call from an unknown number from XXXX area code. I called the number back and a woman answered the phone. I told her I had received a call from this number and how could I help her. She asked if this was XXXX. I stated yes. She asked me my date of birth. I told her I was not going to give my date of birth over the phone until I knew what this was about. She got angry and told me she had my name, my address, my date of birth and my social but couldn't tell me why she was calling until I gave her my date of birth. I said no unless she identified the purpose of the call. She hung up on me. I cross referenced the number and it is HP Sears from XXXX. It is a collection company. I have never received a single bit of correspondence from HP Sears and have no idea why they are calling. I have had my ID stolen and my passport. I am not just going to just give my DOB to anybody over the phone for no reason other than they want to be rude.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, 2016 California Consumer Protection Agency Dear Manager, I spent {$100.00} to buy a {$100.00} gift card in XXXX XXXX market on XXXX/XXXX/16. But the card never work. Following their instruction, I faxed over the gift card receipt. And they gave me a pin number for activation. But there is no money on the card and I could not used it. It just a barely scam to steal my money. 
I am a senior citizen and my income far below the income level. Your prompt attention to have my money back would be appreciated. XXXX XXXX
Product: Debt collection

I would like to reopen this complaint against Allied Collection Services , Inc. and XXXX for having posted a derogatory remark on my credit report with about an account with XXXX. 

I have explained in my response that a long time ago I was going to transfer my services ( 5 ) lines to XXXX. That time the salesperson told me that all phone was compatible with their network. Once I went to the store this rude lady basically told me that none of the phones were compatible, so I contacted XXXX XXXX to cancel before the 30-day cancelation policy. They sent me an envelope with a box to return one of the phones all other phones were not from XXXX and they were fully paid for. 

I mailed back the device, in fact, two devices, I dont recall what promotion they were running but I returned a XXXX XXXX and an XXXX. 

Finally going over my just papers in the basement I found the receipt for the return and have proof that it was returned to them. 

I would like Allied Collection Services , Inc. to remove this derogatory remark out of my credit within 7 days of this notice.
Product: Mortgage

They contacted me to help get me a modification to save my home to stop the foreclosure on my home. On  X/XX/2017    I gave them money for {$1500.00}. The next payment was on  XX/XX/2017    for the same amount then another payment were due me and my son we did not send that payment. Then this man call me fro m SPS Serviceing  by the name of  XXXX   XXXX  he stated to me that I was about to loose the modification. That was set fo r twenty yea rs at {$1300.00} A month so me and my son would not loose our home. He said that we must send in {$900.00} dollars. We call sps serviceing they never heard of  XXXX   XXXX   XXXX  I have his phone number  XXXX   XXXX  a widows. My husband was a  XXXX  vet. Please help me get my money back thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX 15 U.S.C. 1692e ( 8 ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that pertains to false or misleading representations by debt collectors. Specifically, this section addresses the communication of false information regarding a consumer 's credit standing.

15 U.S.C. 1692e ( 8 ) : False or Misleading Representations This section states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In particular, it prohibits : Communicating or Threatening to Communicate to Any Person Credit Information : 15 U.S.C. 1681s-2 ( b ) : Duties of Furnishers of Information Upon Notice of Dispute Investigation of Disputes : Upon receiving notice of a dispute regarding the accuracy or completeness of any information provided to a CRA, the furnisher must conduct an investigation with respect to the disputed information.

Prohibited Practices : The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. This includes : Harassment : This can involve threats of violence, the use of obscene or profane language, or repeatedly calling a person to annoy them.

False statements : Debt collectors can not lie about the amount of money owed, claim to be attorneys if they are not, or falsely claim that the debtor will be arrested.

Unfair practices : Debt collectors can not try to collect any amount greater than what is owed unless allowed by law. They can not deposit a post-dated check prematurely, and they must not take or threaten to take property without the right to do so.
Product: Debt collection

I receive a debt collection letter. 
by mail that are unknown. 

XXXX XXXX XXXX XXXX //// Total Balance Paid, XXXX // Yr. 2016 ... ..other debts unknown../////// Current Creditor, XXXX.. par ) ..unknown ..
Product: Checking or savings account

My old account was closed last month when I told back in XX/XX/2022 it would be closed then due to fraudulent activity from someone in California hacking in/making as if they were a loan company. Account should have been closed in XXXX when the agent told me it would be and when she opened me a new checking account with the bank. Fast forward to today I wake up to {$540.00} hold on my current account. Basically Im told even though someone took money from my account Im still accountable for paying balance owed
Product: Debt collection

They have a robo dialer calling the number. I have not received anything in writing saying I owe a debt and to my knowledge I do not. The robo dialer simply plays a recording telling me to call them. These calls have occurred when I am not able to do so in order to get this resolved. For example, they called today ( Sunday ) and told me to call during business hours. The business hours provided did not include Sunday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- XXXX, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus Experian, XXXX, and XXXX. XXXX, XXXX, XXXX, XXXX Issues as follow : 1. XXXX Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. Experian added the security freeze successfully. Failed to add Fraud Alert. Resulting in having to purchase complete Identity theft membership out of pocket. 
3. XXXX failed to add security freeze as well as Fraud Alert.  Resulting in additional fraudulent activities. Having to purchase XXXX identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.
Product: Credit reporting or other personal consumer reports

This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.
Product: Debt collection

I noticed this company XXXX/Pinnacle LLC on my credit report stating I owe {$1900.00}. I sent them certified letters requesting validation made pursuant to the Fair Debt Collection Practices Act & Fair Credit Reporting Act along with validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX I received a letter from this company stating they have initiated a review of the inquiry. On XX/XX/XXXX I received another letter which they sent an account summary which according to the FTC an itemized printout does not represent verification. On XX/XX/XXXX another letter from this company stating the information provided along with their review of the account is insufficient to support their claim
Product: Student loan

I received an email saying that I would be automatically enrolled in e-statements if I did not respond by XX/XX/XXXX. The email advises that to opt out of the electronic statements I must log onto the Nelnet website. However when I log onto the website there is no option to logout. The representative advised that I would need to go to the studentaid.gov website to change that option or wait until I am automatically enrolled on XX/XX/XXXX to opt out. This is a waste of my time and this is not the first time I have had to specifically request that my statements be delivered by mail. I do not want electronic statements. I should not have to opt out and if I do clear instructions and a working website need to be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$350.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$280.00} XXXX XXXX {$200.00} Inquires that i didnot authorize on XXXX to all except XXXX  In accordance with the Fair Credit Reporting act XXXX  accounts above havrle 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 the consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have had student loans on my credit report for a school that i didnt attend and the dates that they hey say that i started keep changing. ON my most recent credit report its saying now that the loans started in XX/XX/XXXX and my most recent payment was in XX/XX/XXXX these are both false and ive tried numerous times to get this inaccurate information removed from my credit file and the credit bureaus tell me the information is accurate. when i write them requesting that they show me how they validated the debt which they are required to do under law when requested, i never receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

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 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 or other personal consumer reports

To Whom It May Concern, The Company Was Put on Notice with the Delivery of the Following USPS Mail Tacking Number : XXXX I, XXXX XXXX In representation of XXXX XXXX XXXX, XXXX Beneficiary, claimant, am writing to inform XXXX, XXXX XXXX TRANSUNION that XXXX XXXX has been reported as a victim of defamation, financial injury, and violations under FCRA Section 605 ( c ) and Section 611 Part ( A ) ( 1 ). This notice is not an attempt to dispute any part of these fraudulent accounts but a legal and lawful demand. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. XXXX XXXX has not presented a valid contract with a signature, although it has been requested in the previous affidavit. I want to make it clear that I am reserving all rights under my consumer credit profile with your company as a consumer under the Fair Credit Report Act. XXXX, XXXX & TRANSUNION do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by the consumer or any other reason under 905B ( c ). Kindly send notice if XXXX, XXXX & TRANSUNION declines to block information and provide proof of your claim supported by an affidavit that NAME HERE misrepresented any fact contained herein. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance, making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial Law, 14-1213 for actual and punitive damages along with attorney fees. I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Colorado for your non-compliance with federal and state law. Please govern your actions accordingly and send a corrected report promptly. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). Sincerely, XXXX XXXX XXXX, XXXX Beneficiary In representation of XXXX XXXX, claimant.
Product: Vehicle loan or lease

Hey you guys legal team told me that Carvanas business operations are compliant with applicable local, state, and federal laws and regulations. So whats up with you guys asking for cash down Im entering a consumer credit transaction because if its having a finance charge that means I have entered in a credit transaction and the finance charge is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit Which are ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system of additional charges. 
( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss And when I was trying to ask what type of transaction am i entering into she said I can find out on the website I said I dont see the finance charge and I dont believe I will see my terms for the extension of my consumer credit she said yeah you can I dont have to tell you because its on the app and on the website and when I went to both locations it failed to describe the nature of the transaction Im entering or what my finance charge is so I informed her without the informed use of credit that hurts our nation and she said is there anything else to help you with I told you where to find the disclosures and this is after you guys stated there where no wrongdoing and yall havent received the documents in the mail which was a purchase order : a document authorizing a seller to deliver goods with payment to be made later. That doesnt say anything about up front not to mention you guys act that wasnt a binding agreement but if you can look on page 3 of the purchase order it says in bold the following : Buyer acknowledges receipt copy of this Agreement. No oral agreements or understanding apply. This Agreement is not binding until accepted by an authorized representative of Carvana which seems to show XXXX XXXX and who position is Vice President CARVANA XXXX XXXXXXXX XXXX and thru all your actions has caused nothing but harm and distress to my life and I feel I have exhausted all my options and have no choice to give you proper notice of a possible claim against your Texas XXXX XXXX XXXX which protect me from malpractice and fraud by extending credit to the dealership whereby the principal, the dealer, is required to pay out on any claims. 

And if we can resolve this matter please contact me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the this name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$68000.00}
Product: Credit reporting or other personal consumer reports

The full amount of my auto loan was paid off a few months ago, but in my credit reports ( XXXX, TransUnion, and XXXX ) I see it is not paid off.
Product: Mortgage

Our home loan was sold to freedom mortgage with out our permission or notifying us. 
Since being with freedom our escrow is routinely " negative ''. 
Last year XX/XX/XXXX we were told if we pay them {$6500.00} then our escrow will be straightened out. Here we are in XX/XX/XXXX and we are notified we are short again and we owe {$5900.00}. And we have been notified come XX/XX/XXXX we will be short again. Each time our payment has and will continue to go up. Our payment will increase 3 times in a year. 
When asked where our shortage is and how it continues to happen despite giving the requested dollar amount they can not tell us. 
We have asked for detailed statements yet to receive. We have asked to close our escrow and handle taxes and insurance ourselves and have been told this is under review. 
Upon reading reviews of other customers it seems this is a regular thing. 
I don't understand how a company can continue to do this without any consequences or at least providing an explanation of where our funds are going.
Product: Debt collection

XXXX case XXXX. I was notified by XXXX Identity Theft protection that a claim was filed by Pro-collect collection agency, representing XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX which was opened XX/XX/2021 and for {$11000.00}. Someone using my social security number was involved in an apartment rental at this location. I do not know this person and have never rented an apartment there. Police report also filed with XXXX Police Department, XXXX, MS
Product: Mortgage

I completed a 6 month short term forbearance agreement with Flagstar XX/XX/2019. I have been employed as an XXXX  XXXX as of XX/XX/2019. 

I uploaded all required documentation for a loan modification review to Flagstar 's web portal in XX/XX/2019, including a 3rd party authorization. In all my subsequent calls to Flagstar ( 10+ calls in XXXX/XXXX  ) to confirm the documents have been received, I am told documents are missing or need to be changed. I can locate and view all the documents on Flagstar 's portal which I am told are missing. Flagstar 's representatives are not able to locate them, or provide  consistent information on what is outstanding. I have detailed notes from each call, indicating date of the call, who I spoke with, what I am being told is missing, and what needs to be changed. I have verified repeatedly that all documentation is uploaded and accessible on Flagstar 's web portal.

My authorized 3rd party has also called Flagstar on 3 occasions since XX/XX/2019 and Flagstar has stated each time that they do not have the authorization. It has been posted on Flagstar 's portal since XX/XX/2019, and I can locate and view it there. 

My concern and complaint is that Flagstar is not performing the loan modification review, which is a barrier to getting a repayment agreement in place as soon as possible.
Product: Credit reporting or other personal consumer reports

Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act Section XXXX ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The inquiry was not authorized ( XXXX XXXX ). Date of XXXX The inquiry was not authorized ( XXXX XXXX XXXX Date of inquiry XX/XX/year> The inquiry was not authorized ( Transportation fede ) Date of inquiry XX/XX/year> The inquiry was not authorized ( XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports