23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello. My ex-husband took out a construction loan ( s ) with First Interstate Bank to build a home ; the property ( which was out of state from our residence ) was valued at XXXX, we borrowed at total of XXXX from the bank, paid another XXXX for it's construction and then ran out of funds. The bank then issued us credit cards to continue to make loan payments. We sold the home for XXXX and were coerced into signing a collateral loan for XXXX on a business property in our home state. We have been trying to obtain our loan file ( containing loan draws - which the bank was directly distributing to the construction company, invoices, receipts, etc. ) from the bank for 5 years. Despite hiring 4 law firms to obtain our loan files - THE BANK HAS REFUSED TO ALLOW US TO VIEW OUR FILES. Recently the bank sent an email to my ex-husband, who gave them permission the release the loan files to current attorney - XXXX XXXX ( XXXX ) XXXX, AGAIN THE BANK HAS NOT RELEASED OUR LOAN FILES. In fact, they have added {$870.00} to the payoff balance of the collateral loan for their legal expenses ( my attorney tells me that this is a violation of South Dakota law ). Should a US bank be permitted to withhold loan file details from the loanee 's inspection? Is the loanee ( who is responsible for paying back the loan ) not the owner of the content of the files? Can the bank unilaterally decide to add their legal fees to a loan payoff? If so can I unilaterally decide to deduct my legal fees from the loan balance? PLEASE assist us in dealing with First Interstate Bank. I realize, that this is a complicated complaint that has unfolded over years and contains hundreds of pages of documents, letters, and correspondence - I am incredibly frustrated trying to deal with First Interstate Bank - they have been unwilling to negotiate with us. I am attaching 8 documents ( the 2 original loan contracts, 4 collateral loan documents, email stating that they would release loan files to MrXXXX XXXX, and email where bank 's legal fees were added to our loan ) to get you started into understanding what has occurred. Please call me and Mr. XXXX for more details and to answer any questions you may have. Thank you.
Product: Credit reporting or other personal consumer reports

While looking at my credit report, I realized that there are several unknown inquires on my report damaging my score. According to the 15 U.S.C 1681 law there should not be any damages on my report, this is a defamation of character. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I have been a Citi Bank customer for over 30 years. I have had the same plan / package on my Checking Account to minimize/ eliminate fees. In the past 6 months, I am receiving constant fees. The package is being changed. New fees are accruing. 
I have contacted Customer Service and also several individuals in my Branch to get a permanent solution. At times fees have been credited back, but then again new fees are charged. This is a constant monthly occurrence. 
As a small business owner, I do not have the time to constantly send emails and call Citi Bank to have the errors corrected. For the past 2 months new fees have been debited to the account and despite several attempts the issue is not corrected. 
I have asked for complete information on product / packages available so I can get the plan best suited to my business needs. Full disclosure of plans and fees is not provided. 
My operations have not changed. Then why are new fees being suddenly charged to me?
Product: Debt collection

I am writing today because my identity was stolen and used not once but twice. I received notice from a company called FIRST CREDIT SERVICES claiming I owe {$700.00} XXXX. I immediately reached out to FIRST CREDIT SERVICES in XX/XX/2022 and explained that I did not open an account with them or their affiliates and that there was some mistake. FIRST CREDIT SERVICES requested I send a fraud dispute letter in writing and a specialist would contact me regarding the unauthorized accounts. As of today FIRST CREDIT SERVICES has not responded to my fraud request or given me any helpful information to help me. This companies have ignored me and my rights and reported this account to the credit bureaus. I have reached Out to the credit bureaus and they are holding an investigation. I have also filed a police report with my local authorities regarding this matter.
Product: Debt collection

Calls to my references, threatening to take them to court and for depositions. harassing calls to myself
Product: Debt collection

The company, which comes up as Portfolio Recovery on my caller ID and has many different phone numbers XXXX including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and others ) has been calling me several times a week, including early mornings on weekends, and leaving no message. I finally called back and they wanted personal information from me -- they said they needed it in order to " investigate. '' I did not supply it. They are debt collectors and they obviously have the wrong number, as I do not owe anything to anyone. I have also received multiple calls throughout the day, everyday, from many different phone numbers identified only as XXXX, CA, which may be the same company ; their numbers ( all XXXX area code ) include XXXX, XXXX, XXXX, XXXX, and many others. In one instance they named a person who is not me and who I do not know, but unfortunately I don't remember the name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal dispute and request for resolution regarding credit reporting issues that have deeply impacted my financial well-being and peace of mind. I believe that my rights under various federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ), have been violated. 

Firstly, I have encountered unauthorized credit inquiries on my credit report. Specifically, I did not provide consent for the following 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 These inquiries have been made without my consent, which I believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ).

Moreover, I have discovered inaccurate personal information on my credit report, including incorrect addresses. The following addresses are inaccurate and should be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies, if not corrected, could adversely affect my ability to access financial services and may result in unwarranted denials or higher interest rates. 

Lastly, I have identified an account with the creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) that appears questionable and unverified. Despite my attempts to seek clarification, the account remains unclear. This lack of verification may be in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681s-2. 

I am deeply concerned about the emotional and financial toll these issues have taken on my life. The constant stress and uncertainty caused by incorrect information and unauthorized inquiries have affected my ability to secure fair credit terms and financial opportunities. As someone who has worked hard to maintain a strong financial record, I am disheartened by the hurdles these violations have placed before me. 

In light of these circumstances, I kindly request that you investigate these matters and ensure that my rights under the relevant federal laws are enforced. I urge you to work with the involved creditors to promptly remove the unauthorized inquiries and inaccurate information from my credit report. I also ask for a thorough investigation into the unverified account, and if it can not be validated, I request its removal from my credit report as well. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in helping to rectify these violations and restore my financial well-being. 

Sincerely, XXXX XXXX
Product: Debt collection

I advised them on XXXX separate occasions NOT to contact me and that I needed verification of the debt. They have continued to call since these notices ( more than XXXX times ) AND never verified the debt. Since they did n't provide verification of the debt within 30 days, they can no longer collect from me. They also now owe me for EVERY call they 've made to me since I told them not to call ( I have confirmation of my contact ). These were also robo calls so I am owed for that as well. I want them to pay me for all the calls they made after being told not to.
Product: Credit card or prepaid card

When I rented a car with my    XXXX   American Express ( AMEX ) card, I wa s charged {$19.00} on  XXXX / XXXX /   2017  by  Amex   XXXX   XXXX   for   XXXX   XXXX  rental insurance. I had previously opted in to this premium car rental insurance on my  XXXX   XXXX  AMEX card, but had not added it to my new  XXXX  AMEX card. When I called AMEX to complain about this, they said that once this insurance is added to  XXXX  card, it is automatically added to any other AMEX cards I get. They refused to refund the {$19.00} fee. They also refused my request to opt-out of premium insurance being added to any ne w AMEX card I may ap ply for. I spoke to  XXXX   (  ID  XXXX   ) a nd supervisor  XXXX   (  ID  XXXX   ) at Amex   XXXX   XXXX  in Oklahoma.
Product: Debt collection

Im contacting you about a debt collector by the name of Wakefield and Associates that could be potentially harassing me. I took a look at my credit report and saw that this company had said that I owe them money on two collection accounts, one for {$540.00} and another for {$200.00} something. I disputed them both because I always pay everything on time and I would never not pay something I owe. Only the {$200.00} something account was removed from my credit report so I decided to call Wakefield and Associates to see what this was about. They told me that it was for some type of medical visit and that I still owed them the money for both accounts even though one of them was successfully disputed. In total they wanted close to {$1000.00}. I explained to them that I always have insurance when going to the doctor and that the other account was disputed. I told them that I wanted to pay the {$540.00} account that was on my credit report just so I could have this all be over with. They tried to trick me by agreeing and then tried to get me to pay over the phone. I told them that I would not pay anything until I got it in writing or email. When they sent me a link to pay off the account, I saw that they were still trying to charge me {$1000.00} for both accounts and if I had continued over the phone they would have charged me the {$1000.00}. Very deceitful. Id like some information on what I can do as technically I dont owe anyone a single cent. They keep calling my phone and sending letters in the mail. I have been laid off from my work so money is very scarce for me right now. Any help would be greatly appreciated. Thank you and have a good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to 15 US Code 1681a ( 4 ), as a consumer, I am entitled to privacy rights, which includes the removal of this bankruptcies from my consumer credit report. This provision emphasizes my legal right to have this bankruptcy information deleted, safeguarding my privacy and creditworthiness.
Product: Money transfer, virtual currency, or money service

On the evening of Friday, XX/XX/XXXX, I tried to give my daughter-in-law, XXXX XXXX XXXX, a gift of {$6000.00} to help her understand the beauty of saving for retirement. I have used PayPal since XXXX and have in recent years taken to using it to give my young relatives gifts as the young folk so rarely use checks. 

I think the PayPal transaction ID is : XXXX. 

However, XXXX is new to my address list, she and my son married this past XXXX, so things have changed since I last set someone up. Using my Android phone for the transaction, as I just recently did for my nephews ' XXXX gifts, I came to the screen to send. At the top was a grayed out button labeled " Goods and Services ''. I have since learned that I would have to push that button to get to a choice for Friends and Family. But that is NOT at all intuitive. And, then my thumb grazed the blue Send button and it was done. 

This mistake shorted my daughter-in-law {$170.00}! 

When she told me, we were in the same room, I tried to immediately reverse it as did she. I then struggled to find a way to ask for help. Through the PayPal Assistant Message Center I explained what happened and asked to have the transaction reversed or otherwise to eliminate the fee. I assure you, as I did them, no Goods nor Services were or are involved. I called the number too and both responses were that I should ask XXXX to call their 1-888 number to have this reversed. Given her working hours the next this could be done was XXXX evening. I filed a dispute and exchanged messages with them again this morning XXXX. 

The response, through multiple people in their hierarchy, was they were sorry we were unhappy, but the fee could not be reversed. They would return the {$5800.00} to me but never, ever could they refund the fee. It was extremely unpleasant to listen and join in on the call - from time to time we were asked to have the other of us call with the likely goal of getting rid of us. No change to this after filing the dispute. Again, its impossible to refund a Goods and Services fee no matter how sneakily it was collected! 

I am old, XXXX, but not inexperienced at using technology and the deceptive trick of selecting the grayed out Goods and Services did not occur to me. Then there was no review screen before finalizing ( in my case, grazing ) Send. I feel tricked and my trust misused. 

I want you to know I have used Goods and Services extensively through XXXX and other online transactions and appreciated its protections when Goods and Services were involved! But this is not this case! 

I ask you to restore the {$170.00} to either me or XXXX. 

I especially ask you to make PayPal correct their misleading menu to make it absolutely transparent which category- Goods and Services or Friends and Family- is being selected. 

Thank you, respectfully,
Product: Credit card

Debt buyer Cavalry Portfolio SPV I, LLC sued me to collect on a credit card debt they allege I owe to " XXXX - XXXX. '' They claim they are the owners of the alleged debt based on several assignments, but there is no assignment from " XXXX - XXXX '' or XXXX XXXX. The judge entered a judgment against me based on a declaration from a Cavalry employee. I now have an attorney helping me with an appeal. I am concerned that Cavalry can sue me for this debt because on XXXX/XXXX/15 the CFPB entered a consent order against XXXX saying that accounts from the time period they say I defaulted were inaccurate and fraudulent, and especially accounts, they obtained from other banks. It is unfair that XXXX ca n't collect on this account because they committed fraud and did n't keep accurate records, but now this company I have never heard of can. My attorney sent Cavalry 's collection law firm, XXXX XXXX XXXX XXXX XXXX, a copy of the order against XXXX and covering this account but they refused to stop collection. I have also been shown a copy of the affidavits of XXXX XXXX talking about how XXXX accounts held by XXXX during the same period as this XXXX were fraudulently handled. 

In particular the order at paragraphs XXXX through XXXX states that XXXX sold accounts like the one I was sued for, even though they knew the information was inaccurate and undocumented and that they " knew or should have known were unenforceable. " I do n't think its fair for Cavalry to sue me and get a judgment with no information about this debt other than a number they allege I owed to " XXXX - XXXX '', when the CFPB has already determined that XXXX is n't even allowed to collect them. I think Cavalry should be prohibited from collecting on any of these accounts that they knew were inaccurate and got to pay only " 5 % '' of the alleged balance and try to collect the full amount. The XXXX XXXX, 2015 CFPB order on these XXXX accounts found at XXXX that, " [ XXXX XXXX ] acts and practices of selling certain credit card Accounts to Debt Buyers that Respondents knew or should have known were unenforceable or selling such Accounts with inaccurate information or information inadequate to support the claims that Consumers owed the Debts and owed them in the amounts stated, caused or were likely to cause substantial injury to Consumers. And at XXXX, " [ XXXX ] knew or should have known that Debt Buyers would seek to collect on certain Accounts sold by [ XXXX ] that were unenforceable, had inaccurate information, or included inadequate information to support the claims that Consumers owed the Debts and owed them in the amount stated. " This is exactly what is happening to me and Cavalry should not be allowed to pursue this action against me or others like me, when XXXX is not even allowed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance :  {$0.00} XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$19000.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00}, TELECOM SELF-REPORTED XXXX Balance : {$21.00} , TELECOM SELF-REPORTED XXXX Balance : {$60.00}, XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experience supervisor violated my rights when I asked him to remove what the other company had removed. He told me he dont care what the other company move that they dont work off a consistency across all three reports. I asked that this account be removed now or I will seek an attorney and sue the company.
Product: Credit reporting or other personal consumer reports

Someone fraudulently used my information to open a account with XXXX XXXX that was sold as an collection account to online information services I did not authorize this account or open it up I need it removed soons as possible. I have not supplied proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ss # XXXX XXXX : XX/XX/XXXX contents of complaint : This cfpb complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the the EQUIFAX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a {$14000.00} XXXX XXXX XXXX opened on XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX {$52000.00} opened on XXXX XXXX XXXX # XXXX, also a XXXX XXXX  {$1200.00} opened XX/XX/XXXX XXXX # XXXX, XXXX XXXX {$1500.00} opened XX/XX/XXXX XXXX # XXXX, last XXXX XXXX XXXX {$430.00} opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.i have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit maintained by you wich shows the aforementioned fraudulent items.i do not recognize aforementioned accounts, and the hard inquiries as reported. The aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft criminal complaint # XXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I SENT A NOTICE TO OPT OUT AND REQUESTED FORM TRUST AGREEMENT AND CONSUMER CONTRACT.THEY NEVER PROVIDED ANY CONTRACT THAT LIST THEM XXXX  OR XXXX AND I XXXX XXXX XXXX ADDITION TO THEIR LACK OF DOCUMENTATION I WAS NEVER PROVIDED DETAILS TO OPT OUT AND NEVER AGREED TO DO BUSINESS WITH THEM. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately.