23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The XXXX XXXX company located in XXXX XXXX PR calls my work 2 to 3 times a day, goes to the home of my son 's grandparents and leaves letters with them or the people living there notifying them that I should call them. that's something private no one has to know that I borrowed a loan also they communicate with the people that I referred telling them about my case I think it is a lack of respect from the company to do this to ask about me and about my debt. They call me even XXXX, I am going through a difficult economy after the Hurricane Maria in Puerto Rico I made a letter to the company to communicate with me to my email and my phone number I hope you can take action on the matter thank you very much.
Product: Debt collection

On XX/XX/2017 I contacted PORTFOLIO RECOVERY, XXXX XXXX XXXX, XXXX, VA XXXX ( # XXXX ) after finding out that my name was listed under a collection action with a credit card balance of {$1500.00}. The original creditor was XXXX XXXX. First, no one from the recovery company contacted me personally, verbally or in writing to discuss this or even request payment. No court action was filed and in fact no proof has been provided to the credit networks to justify this collection action submitted to the credit networks naming me, XXXX XXXX XXXX. I was a co-signer on this account but was never told the account was in arrears or that a collection action was about to take place. If they can name me for being responsible, and so list my name under a collection action on my credit report, why could they not notify me in writing to have a chance to resolve this before they took it to collections?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX  that was fraudulent there is 3 credit cards one from XXXX one from XXXX  XXXX and one from XXXX  XXXX  XXXX  that should not be there. There is an auto loan with XXXX XXXX and another company that should not be there.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 the items below have been re-inserted into my credit file. XXXX XXXX XXXX You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action!

This account was already removed weeks ago for inaccuracies
Product: Debt collection

During XXXX, I could not pay my car loan, which Westlake Services , LLC financed XXXX 

The Loan amount was {$17000.00} plus 18.09 % interest. I made XXXX payments of {$420.00}. 

My last payment was made on XX/XX/XXXX. 

Westlake Services , LLC repossessed the car and sold it for {$4900.00} minus the Cost of Sales of {$330.00} ( not clear on this coast ). The Net Disposition Proceeds were {$4500.00}, as mentioned on the invoice sent to me. 

I want to add the sum to clarify the current situation. 

I paid {$11000.00} ; the car was sold for {$4900.00}, which is {$16000.00}. {$17000.00} - {$16000.00} = {$1600.00}, which is the amount that I owed to Westlake Services , LLC. 

Westlake Services , LLC never sent me any letter to collect any debt or offered to resolve this debt. They reported to my credit report without any prior notice and marked it as a bad credit charge off of {$17000.00}. The account shows closed and purchased by another lender, XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I received the first letter from XXXX XXXX stating that I had an account with Westlake Services. The amount mentioned as of XX/XX/XXXX, is {$15000.00} minus the final cost of the car sold by Westlake Services minus ( cost of sales ) {$4500.00} = {$10000.00} as final debt. 

After I received the first notice, I called the CFPB. The representative suggested that I write to XXXX XXXX and ask them to provide account information, In response to my letter to XXXX XXXX, they sent me an invoice for the car purchase, which was an unsatisfactory response. 

XXXX XXXX started sending me offers to pay off {$10000.00}. 

I filed a dispute with all three credit bureaus against Westlake Services and XXXX XXXX. 

The result of the dispute from XXXX was that both XXXX XXXX and XXXX XXXX were deleted from my credit report. 

The result of the dispute from XXXX XXXX and XXXX was XXXX XXXX was deleted. XXXX XXXX will remain until it is dropped. 

Despite being deleted from all three credit agencies, XXXX XXXX is still sending me letters to settle the debt of {$10000.00}. The last letter is received on XX/XX/XXXX ( to the best of my knowledge ), with a deadline of XX/XX/XXXX. 


XXXX XXXX threatens to report to the credit agencies or continue to report. 

I want CFPB to contact XXXX XXXX regarding their failure to offer to settle the debt with them. XXXX XXXX is a bad remark on my credit reports, and I would like them deleted from XXXX XXXX and XXXX. 

XXXX XXXX needs to stop sending me letters and refrain from making any negative remarks to credit agencies. They were allowed twice to submit balance information, but they failed.
Product: Credit card or prepaid card

Experion charged my XXXX XXXX credit card XXXX for a Experion membership on XXXX XXXX. I called XXXX XXXX to dispute the fraudulent charge. I have in the past ordered services from Experion credit reports. I did not start a paid membership or a subscription. Experion just charge my credit card account without my agreement orauthorization. I have had to make hours of phone call requested another card sent to me. Conference call withExperion and XXXX XXXX to cancle a quote memebership that I did not sign or authorize. The phone number for Experion is so bad. I have to lie to the automated system and tell them I am business to get a human being to answer. Experion is a credit bureau their business model and the way they do business is criminal. The government needs to step in and make Experion pay for its corrupt business practices
Product: Credit card

On XX/XX/year> I was advised that XXXX of the XXXX credit accounts that I had with this creditor were closed. I received written communication stating the accounts were closed, due to excessive use being unclear of what exactly that meant. I called the number provided on the letter. After being rerouted I was finally able to speak with an account XXXX, who was unclear herself to the exact reason for the accounts being closed. The information she provided was general in regards to safety or fraud prevention measures that may have been taken and the accounts may have been closed due to it being a new account and excessive use. I then requested that I get a phone call from someone who would be able to provide more detailed information to exact reason why these accounts were closed? I also requested a refund of the annual fee being a card member, considering these accounts were closed due to no adverse action on my part. I feel like I should be refunded this annual fee. I had these accounts for less than XXXX  days the accounts were used and they were totally paid off, and literally after XXXX days of pay off the accounts were closed. I was advised that this annual fee request would not be honed and fee would not be able to be waived because I did use the card. This seems a little unclear, considering after opening for less than XXXX  days they decided to close these accounts out because they decided there may have been some fraudulent activity. They made no attempts or effort to reach out to me as the consumer to verify whether or not I was making any charges they never verified or had any questions or concerns as to the accounts being paid off and so to have been closed without full disclosure, and or explanation I feel I am obligated to receive my annual fee. The closure of these accounts have now had an adverse impact on my credit as well as leaving a balance because of this annual fee they feel they have the right to keep. This feels like fraud on their part because they have the right to open and close accounts, assess fees where a consumer is unable to utilize the account at its full capacity. I am being charged for something that the merchant decided to do. Im filing this complaint because I feel as a consumer my rights have been violated for several reasons, and I am being fraudulently or defrauded of monies that are rightfully due Id expect to receive a removal of these credit accounts from my credit report and the refund of the annual fee because I feel like this merchant did not do their due diligence and reach out to me as a consumer to verify any information before making a decision that would have such an adverse impact on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Equifax and XXXX received my request to block fraudulent information from my credit report under FCRA 1681c-2 ( Section 605B ), along with a XXXX  XXXX XXXX XXXX XXXX, via certified mail with return receipt ( Equifax Certified Mail Tracking # XXXX, ( XXXX Certified Mail Tracking # XXXX ). Delivery was confirmed on XX/XX/XXXX. The request and court order identified specific accounts ( e.g., for Equifax : Creditor : XXXX XXXX XXXX ; Date Opened : XXXX ; Balance : {$11000.00} ; Account # XXXX ; And for XXXX XXXX following accounts : XXXX ). Creditor : XXXX XXXX  ; Date Opened : XXXX ; Balance : {$5900.00} ; Account # XXXX ; XXXX ). Creditor : XXXX Bank ; Date Opened : XXXX ; Balance : {$400.00} ; ; Account # XXXX ; XXXX ). Creditor : Capital XXXX ; Account # : XXXX ; Date Opened : XX/XX/XXXX ) as resulting from identity theft, supported by an FTC affidavit, police report, and proof of identity ( passport, Social Security card, proof of address ). Under FCRA 1681c-2 ( Section 605B ), they must block such information within four business days of receiving a valid identity theft report and identity proof, which I provided. As of XX/XX/XXXX, XXXX business days later ( excluding weekends : XXXX XXXX and XXXX ) neither Equifax nor XXXX has blocked the fraudulent items missing the four-day deadline of XX/XX/XXXX. This noncompliance violates FCRA 1681c-2 ( a ) ( Section 605B ), causing ongoing financial and emotional harm due to inaccurate credit reporting from identity theft. XXXX sent me an email on XX/XX/XXXX at XXXX that they still have not blocked the information as required within XXXX business days. Equifax, on their online portal as of XX/XX/XXXX XXXX, still have the status of my request to block the information within XXXX business days as they received it on XX/XX/XXXX, But still have not blocked the information as of today XX/XX/XXXX.
Product: Mortgage

Specialized Loan Servicing ( SLS ) became my loan servicer after purchasing my loan from XXXX XXXX loans. I paid my first payment to XXXX XXXX  loans on XX/XX/21 as scheduled. On XXXX, XXXX forwarded the payment to Specialized Loan Servicing as they were the new servicer. On XX/XX/21 at XXXX, XXXX XXXX for the forwarded mortgage payment check at their office in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX by someone with the last name of XXXX ' XXXX I have since made 5 phone calls asking the payment to be applied to my account and asking the company to stop the harassing phone calls about 'a missed payment ' as they had the check and there was proof of delivery. Each time they state they don't know where the payment is but there is proof of delivery and they are now assessing late fees even after multiple calls asking them to please look for the payment. I have emailed them copies of the proof of delivery, screenshots of my bank account deduction from the previous lender and tried to fix this on my own but i cant get help.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX XXXX has yet to respond to any of my letters regarding the legitimacy of the debt. I'm not aware of who the company even is and how they got access to my credit report.
Product: Debt collection

My rights were violated with this collection. i WAS not given time or noticed to dispute this collection. They did not provide proof that I received any notice that they claim to have sent and I was so stressed I paid the collection. i was then sent a pay to delete letter and they only marked the account as closed and not deleted as per the agreement and contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC is in violation of ( 6 ) Federally Protected consumer rights willfully and knowingly, so they are civilly liable. 

Please see attached affidavit of truth and exhibits attached to this complaint which has also been forwarded to my state attorney general 's office showing the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT OF ED/XXXX XX/XX/XXXX XX/XX/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.It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX XXXX Opened : XX/XX/2016 Balance : {$5600.00}
Product: Checking or savings account

We enrolled in the overdraft protection. After doing so we received a total of {$100.00} in overdraft fees. The employees are not informing us how this system works, until we get a overdraft fee and are like oh Im so sorry you didnt know how it worked. We deposited money into the account to cover the balance and there was another fee. The bank is TCF bank. They say that it was posted after the money was posted but online it shows no charge after our deposit. It seems like they are just making up reasons to not give us back our money, this seems like its illegal for them to do this, and we want to file charges.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

TransUnion has violated The Fair Credit Reporting Act and has furnished information concerning me I did not authorize. According to the Fair Credit Reporting Act, there must be permissible purpose to furnish information on someone's credit report or written consent from the consumer. TransUnion has violated federal law and violated my rights. I asked them to verify where they received the information concerning me and they verified it came directly from the Bankruptcy courts. The United States Bankruptcy Court doesn't report to or validate bankruptcy filings with TransUnion or any credit agencies. Upon my research, I found out that a 3rd party gathered the information from https : //pacer.uscourts.gov/, sold the data directly to TransUnion and then TransUnion ( violating federal law ) furnished the bankruptcy data on my credit report without my consent or permissible purpose. The illegal method of credit reporting, and conduct of business between TransUnion and the 3rd party, has caused me financial trouble. I have been unable to secure financing, a vehicle for my needs, and even a roof over my head. 

The bankruptcy reference numbers are ( XXXX ) and ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX responded to my CFPB consumer complaint XXXX informing me the XXXX XXXX XXXX is removing the XXXX XXXX XXXX mortgage account from all three major credit reporting agencies and went into detail responding to CFPB. XXXX joined shady XXXX mortgage, another shady operation thats had so many legal troubles. XXXX transferred my so-called loan to XXXX. Every since the transfer I have not been receiving any notification from XXXX about my loan and I am unable to speak to a live XXXX representative because every time I call the automated system says XXXX is unable to transfer my call to speak to a live representative regarding my loan and to try back later. I have been unable to speak to a live representative and I am unable to access mortgage statements on XXXX mortgage site. I do not know what payments are due. I believe shady XXXX and phony XXXX are once again attempting to intentionally rip off my home because thats what they do. XXXX is illegally charging me false fees and reporting false information to all three credit reporting agencies. I demand to know what payments are due so I can bring the loan current. I demand shady XXXX to remove the mortgage account from all 3 major credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has furnished false and deceptive consumer reports on my behalf which is a violation of 15 USC 1692j. Transunion does NOT have permissible purpose to furnish any information on my behalf because I have not given them written consent or authority and I do not have any judgement to my knowledge. This is considered aggravated identity theft! They continue to furnish inaccurate and incorrect information to my consumer report, knowing the information is incorrect and inaccurate. What was the method of verification? Who did they speak with to verify all information is accurate? Why wasn't I sent documentation of the evidence from the reinvestigation? My character has been tarnished and my reputation damaged due to this inaccurate information and I am continually being denied credit due to the inaccurate information Transunion is reporting. I have sent multiple disputes, and information is continuing to be verified with no real proof of its accuracy. I will be contacting my attorney general and filing a suit for the violations against me.
Product: Checking or savings account

There was a promotion with us bank that if I made two transactions per month I would receive XXXX by XX/XX/XXXX I. After I talked with XXXX and another male banking officer at XXXX Wi, I went to Us Bank XXXX. She told me I only needed to make one transaction per month and that XX/XX/XXXX I, I should receive my money. Today is XX/XX/XXXX I. I talked with. XXXX, Us Bank. XXXX Wi, who said she would send an email and wait for a response. XXXX from Us Bank told me this last month. Us Bank. Doe Not Keep their word, and Us Bank in XXXX Wi never get back to you. I want my {$200.00} today. 

I feel I have Being Scammed! 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Wi. XXXX XXXX
Product: Debt collection

Reference : Acc XXXX XXXX XXXX XXXX XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX is in violation of the Texas finance code Sec. 392.101 this  company does not have an active surety bond to collect a debt in the great state of texas and Section 392.101 of the Texas Finance Code clearly prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Product: Mortgage

I applied for a HAMP modification from Specialized Loan Service LLC ( SLS ) with the help of XXXX ( XXXX ) in XXXX. I was then told 5 weeks later that they would n't accept XXXX packet, so, I filled theirs out and updated all the docs requested of me.By the end of XXXX, I was told all of the docs had not been received and I would have to update mine and my daughter 's Social Security benefit letters while I was at XXXX. I left and went to the S.S. office and got both of the docs and brought them back to XXXX XXXX faxed them over to them immediately and brought my bank Statements up to date. When calling SLS in XXXX, I was told by XXXX, my counselor at SLS, I would n't be eligible for any government programs because they were missing my daughter 's S.S. benefit letter. She said even if I faxed them that morning at XXXX XX/XX/XXXX, it would be too late because it takes 24-48 hours to get into their system. She was very rude to me. I faxed them anyway and called them back and spoke to XXXX she told me that as long as I had the receipt dated before XX/XX/XXXX that it was acceptable but that I was also missing an update on my bank statement. I asked " Why did n't XXXX tell me that when I spoke to her earlier? '' She had no idea and she said she should have. I read that on XX/XX/XXXX there was a class action suit filed against SLS for the same reasons I 'm telling you about! They run people around for documents 2 and 3 times saying that they never got them. And They are not reviewing my application in a timely manner. I was also told by XXXX that the HAMP is over. I heard on the news that it has been extended. They have even called my insurance company and told them that I was in foreclosure. I have n't received any notice of that.
Product: Credit reporting or other personal consumer reports

I contacted experian about incorrect information reporting on my account. They acknowledged it was incorrect and decided to keep it on my report. This has affected my ability to get a promotion at work.
Product: Credit reporting or other personal consumer reports

They have no knowledge of any accounts under my SSN. as far as credit cards. I explained to them there is 2 credit cards listed under all 3 of my credit reports. I contacted them by phone again XX/XX/2024 and they have no knowledge. They said they only provide prepaid debit cards. I have ILLEGAL credit cards on my report! Please remove off XXXX, XXXX, and equifax. XX/XX/2024 Please remove these illegal credit cards under my name which green dot said they ONLY issues PREPAID cards and not CREDIT CARDS off my XXXX, XXXX, and equifax REPORT! 

This is ridiculous!! 

XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX XX/XX/2024