23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a debt collection on my credit report several times now. The company is AR Resources and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this AR Resources keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.
Product: Debt collection

My data was breached All these closed accounts are not mine under FCRA 15 USC 1681 i demand that this account be deleted Syncb / Walmart
Product: Payday loan, title loan, or personal loan

I was out of work and didnt have any income. Im willing to pay
Product: Mortgage

I received a letter from Shellpoint Loan Servicing dated XX/XX/XXXX indicating my lender placed HAZARD insurance will be expiring. I called and spoke to XXXX XXXX from the Shellpoint Loan Servicing 's Insurance department, her email ends with pfic.com so I assume she works for a vendor named proctor loan protector. She indicated they did not have proof of hazard insurance FOR XXXX XXXX XXXX. I emailed her the proof of hazard insurance purchased by the condo association for the past 2 years. The letter I received does not indicate what type of HAZARD insurance that is going to expire. In XXXX of XXXX, lender placed insurance was purchased by the servicer for something called " XXXX '' insurance, covering the inside of the structure, at the rate of {$24.00} annually ( see attachment ). There are 2 types of HAZARD insurance, General hazard covering the structure and XXXX covering the interior. I explained that the letter received does not explain what type of insurance is going to expire yet indicates a cost of {$2200.00}, approximately 92 times the rate one year ago. She insisted the new coverage rate is for XXXX insurance but ignored that she stated they didn't have record of the general hazard insurance until I called. She said the only insurance being placed is for XXXX insurance so the quote is for that type of insurance. I specifically requested they provide a document to explain exactly what type of insurance is being placed/purchased, she refused and stated the letters sent are written by the CFPB. I seriously doubt this. I requested the policy that would be purchased on my behalf as well. Again, she said it would be for XXXX insurance, but will not be providing proof of that. I tried to explain that since there was no evidence of the general hazard insurance in their records ( since I had to provide that while on the phone ) that it could be possible this very inflated rate for XXXX insurance could be a mistake. She refused to accept that and shuffled me off of the call. My complaint is in 2 parts. First, the letter indicating a need for proof of insurance should be clear what type of insurance is being required. Second, the premium for the amount of coverage provided should not go up from {$25.00} to {$2200.00}. I don't have anything in the interior of my home that increased in value here, yet they provide no explanation for the increase.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> gave reason for Denial ; YOU CAUSE NAVY FEDERAL A LOSS NOTICE : Title 15 USC 1611 your inaccurate reporting and continual IN and OUT MY credit report destroying my credit scores. Why so many inquiries? You XXXX so many LATE PAYMENT at the same time claiming charge off with a balance TALK ABOUT LOSS WHAT ABOUT WHAT YOU DOING TO ME?
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute with Experian regarding reported late payments on an account. I selected the dispute option Delinquency due to job loss and provided supporting documentation, including proof of job loss, evidence of delays in receiving unemployment benefits caused by state delays beyond my control, and bank statements verifying the delayed payments. 

Within minutes of my submission, Experian updated the dispute and claimed that the information was accurate and no changes would be made. 

On XX/XX/year>, I filed an additional dispute in response to their initial decision and resubmitted the same supporting documentation. On XX/XX/year>, I received another update from Experian stating again that the information was accurate and no changes would be made. 

I am concerned about the expedited review process and whether my supporting documentation was fully reviewed and considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran a hard inquiry on my credit without my consent on XX/XX/2020 I called them to ask them why did they run a credit check on me they said they cant give me that information. I asked them if the can remove it being that I didn't authorize it and they said they don't remove inquiries, they told me to contact the credit bureaus and dispute it. XXXX  told me to file a report with identitytheft.gov. 

One Main Financial ran a hard inquiry on me on XX/XX/2020 without my authorization and they told me the same thing XXXX did. That they cant remove it even though i didn't authorize it.
Product: Vehicle loan or lease

The following violations of the US CODE TITLE 15 COMMERCE AND TRADE have been committed by GM FINANCIAL in the contract with : 15 USC 1605.Finance charge defined except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 15 USC 1603 Credit Transactions, other than those in which a security interest is or will be acquired in real property, or in personal property used or expected to be used as the principal dwelling of the consumer and other than private education loans are exempted transactions. 15 USC 1602 ( L ) Defines the term Credit Card as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 USC 1631. Disclosure requirements ( b ) If a transaction involves one creditor as defined in section 1602 ( f ) of this title, or one lessor as defined in section 1667 ( 3 ) of this title, such creditor or lessor shall make the disclosures. If a transaction involves more than one creditor or lessor, only one creditor or lessor shall be required to make the disclosures. USC 1662. Advertising of down payments and installments ( 1 ) ( 2 ). As a result I am enforcing USC 1635. Right to rescind ( a ) ( b ) ( c ) ( e ) ( f ) ( g ). GM FINANCIAL DID NOT DISCLOSE MY RIGHT TO RECENED. GM FINANCIAL USED MY CREDIT AND FORCED ME TO MAKE A DOWN PAYMENT. I informed Gm Financial of these violations through a Notice of rescission as well as a CEASE AND DESIST letter that was signed and notarized and 15 USC 1692 was quoted but I am continued to be harassed without addressing these violations. Not to mention the contract they have has no bases as my signature was forged compared to the original contract that I have in my possession inwhich my vehicle is assigned to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reports a date of last activity of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ), which is a clear indication that this account was illegally re-aged. 

TransUnion also lists this CLOSED account as OPEN and continued to report positive payments on a closed account.
Product: Credit card or prepaid card

Case Number XXXX I would like to APPEAL that case and get it resolved. I will seek further legal actions against citi bank if it wont get resolved. CFPB complain number XXXX-XXXX  Ordered merchandise WAS NEVER RECEIVED! MERCHANT FAILED TO DELIVER ORDERED DOOR! 
On XX/XX/19 I prepaid deposit XXXX $ using Visa card. 
On XX/XX/19 merchant contacted me that door was ready and I paid remaining balance online XXXX $ using citi card On XX/XX/2019. My husband picked up the door and when my contractor saw the door same day it was very poorly made, and bowed and would be impossible to install. Moreover it didn't look like anything we ordered. See attached photos. 
On XX/XX/19 merchant agreed to to take the door back and make replacement door within 2 weeks. 
On XX/XX/19 my husband RETURNED the defective door to the merchant in person. I have screen shot as well. 
On XX/XX/2019 I contacted the merchant asking about the replacement door since it was 2 weeks and they promised to have it ready by XX/XX/2019 On XX/XX/19 I contacted merchant again and they promised to get the door ready by XX/XX/19 for pick up. 
On XX/XX/19 merchant informed me that door is not ready and they will deliver it on XX/XX/19 to my house. 
On XX/XX/19 merchant never delivered the door and failed to respond to my messages and phone calls. I tried to contact merchant again on XX/XX/XXXX and never heard back, same day I filed disputed with citi card and visa card and ordered the door from different merchant. Merchant had 2.5 month since order was placed in XXXX to deliver door as promised and failed to do so or communicate with me on a timely manner.. My husband is a military veteran and the way citi bank handle this case is unacceptable. I have been a loyal customer for a long time. 
Also attached is a screen shot where on XX/XX/2019 we canceled the transaction with the merchant due to NON DELIVERY and NON COMMUNICATION! I DONT HAVE MERCHANDISE IN MY POSSESSION. 

On XX/XX/19 citi bank contacted me claiming I need to provide slip that merchant agreed to refund me, witch is NOT the case. Citi bank refused to help and resolve the case!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit in late XXXX, XXXX. I requested my credit reports immediately, XX/XX/XXXX, from the three agencies who were involved in the denial of credit. Two of them responded immediately. StageStream, LLC at XXXX XXXX XXXX, XXXX XXXX, CA XXXX did not send my report even though I gave them the exact same information that the other two credit agencies received. StageStream has been making me jump through numerous hoops to obtain the credit information they have on me. I have had to write them three times since XXXX. On XX/XX/XXXX I provided them the information they requested but apparently they wanted more. The last letter I wrote to them was on XX/XX/XXXX. With that letter, I included a photocopy of my driver 's license. It is now XX/XX/XXXX and I've heard nothing from StageStream. I want my credit report from them and because of all the hassle they have given me on this, I want them fined or penalized in some way for their handling of this matter. Thank you for your assistance.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : Amount : {$1300.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account Number : XXXX Amount : {$1100.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account number : XXXX Amount : {$2000.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account number : XXXX Amount : {$2000.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account number : XXXX Amount : {$5500.00} Outstanding : {$0.00} Date : XX/XX/XXXX Account number : XXXX Amount : {$1200.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account number : XXXX Amount : {$2400.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account number : XXXX Amount : {$2000.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account number : XXXX Amount : {$1500.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account number : XXXX Amount : {$1700.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account number : XXXX Amount : {$2600.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account number : XXXX Amount : {$210.00} Outstanding balance : {$0.00} Date : XX/XX/XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly an involuntary repossession/charge-off on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a charge-off is harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I received a loan in the amount of {$850.00} and by the time the loan is paid in full I will have paid 8 payments of {$270.00} for a total of {$2100.00}. Per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid. Despite this organization providing illegal loans I have attempted to contact them to delay a payment 3 days from XX/XX/XXXX to XX/XX/XXXX and have been not only denied but threatened with immediate collection activities if I pay later than XXXX XXXX. on XX/XX/XXXX. This company is threatening to harass me when I am clearly attempting to pay this loan in full despite it being an illegal loan in the State of Michigan.
Product: Debt collection

There is currently a collection on my credit report for something i have no idea about. I have been trying to contact the company but got no response. Please remove this collection of {$31000.00} off my credit report before legal action is taken. I am not aware of this
Product: Checking or savings account

Last year XX/XX/2019 open bank account other one open in my name that just opened need be close I need fix my credit sores on my name is an way you can help take off The charges that were made to my account but I never did them
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally express my concerns about the excessive fees and interest charges being applied to my account. I have always been a responsible customer and have never missed a payment until recently. Unfortunately, I lost my job, which has significantly impacted my financial situation, but I am committed to paying off my balance.

Despite my efforts to stay on top of my payments, I am consistently being charged high fees and interest every time I make a payment. These charges are making it increasingly difficult to keep up with my payments, and the amount of interest is out of control. It feels like my progress is being undermined each month, and I am struggling to reduce my balance.

Additionally, I reached out to your customer service team for assistance and explained my circumstances, but I was told that my situation was not a good enough excuse. I find this response disappointing, especially given my history of responsible payments and the significant financial hardship I am facing. I was hoping for understanding and a potential solution, such as a temporary reduction in fees or interest, but was instead met with a lack of empathy.

I am kindly requesting that you review my account and consider adjusting the excessive fees and interest charges. A reduction would allow me to make real progress in managing my account and would help me get back on track after the financial hardship Ive experienced.

Thank you for your attention to this matter. I hope we can work together to find a fair and reasonable resolution. I look forward to your prompt response.
Product: Credit card

On XX/XX/year>, I ordered 3-month prepaid celluar phone plan with the XXXX, but after making a payment, I went thru the eSim activation process, but couldn't activate the plan by transferring the number onto the XXXX. After speaking with the XXXX technical support, they were able to transferred my existing phone number onto their syste, but they couldn't activate my eSim card on my iphone.

After many attempts and waiting hours and hours, next day, I spoke with the XXXX and requested for the full refund due to their failed eSim activation. On the phone, the technician told me that they would refund the money, and I had to request my phone number to be transferred back to my current provider. 

I sent several emails to the XXXX to check the status of the refund, but they had never responded before I opened the credit card charge dispute with CapitalOne credit card dispute department. 

CapitalOne dispute department requested additional information regarding the charge, so I sent my email communications along with the merchant cancellation policy, but CapitalOne asked me to work with directly with the XXXX to get refunded. 

Because the cellular plan was never used due to the lack of eSim card activation, I should receive the full refund based on the merchant refund policy, but CapitalOne dispute department is somehow they could not help to dispute the charge.
Product: Money transfer, virtual currency, or money service

Binance asked for a memo on my transaction. I input the memo incorrectly. I have tried reaching out to recover my funds. But it has been two months now and they have yet to look into my claim. Binance is a FRAUD
Product: Credit card

We used a Home Depot credit card with a 6 month no interest. We were leaving for XXXX for two month during the winter and paid the card off. When we returned to XXXX we checked our mail and we had a late fee from Home Depot ( Citi ) on a zero balance which in turn had another late fee on the first late fee. So when I called the XXXX number and enter my information the automated system tells me " this is an attempt to collect debt '' ... first of all I 'm the one that called!! ..This would have been a lot easier if they would have called a month ago. I told them that I had paid the card off and was out of town not expecting any problems. We paid the card off on a Sunday which the payment went through on a Monday. They told me when I paid it off, the payment should have been made on the Saturday but the payment would have still been made on the Monday. They made me pay a {$27.00} late fee saying that they took XXXX off but how can I get a late fee from something that has a ZERO balance? What they are doing is charging people and then keep charging them without even contacting them so they can keep making more money! ..I paid the money and closed the account in which they did n't care. They tell me ok we 'll send you an e-mail with the closing information ... wait..what? They can e-mail without even asking for my e-mail because they already have it on file but they ca n't e-mail me XXXX tell me I 'm incurring late fees?? These people are crooks and the Home Depot has lost all my business because of them!! Funny thing is, is you ca n't talk to Home Depot about it!
Product: Credit card

I have a capital one credit card on my credit score and it's hurting my score alot I have never owned a credit card and it was before I was XXXX XXXX XXXX