23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/2015, my vehicle was rear ended at a red light in XXXX County, XXXX. 
The driver admitted he was at fault and his insurance company provided me a rental car via his policy coverage. 
Before the settlement of damages from my vehicle were paid to me ; my car was deemed a total loss, the rental car company reported the vehicle stolen. 
XXXX XXXX a Car ; is the rental agency. Also known as XXXX XXXX. 
They reported the car stolen on XXXX/XXXX/2015 and Never informed me of course. 
On XXXX/XXXX/2015 on my way from a job interview in XXXX XXXX, MD ; I was detained by the XXXX XXXX Police Department for alledgely Grand Thief Auto. 
I surrender the vehicle, along with XXXX sets of key and the temporary registration ; naturally the temporary registration was in my name. 
The vehicle was in perfect condition at the time of my detainment and later arrest. 
All the Court proceeding were XXXX XXXX in regards to the friviloious stolen vehicle charges. 
Apparently once the XXXX XXXX Police took possesion of the vehicle they not only stole out of the vehicle my {$1000.00} XXXX sports jacket I wore to my earlier job interview ; they cause {$340.00} damages to the rental vehicle. 

Thus XXXX Damage Recovery Unit-XXXX XXXX, MO XXXX has turned this case over to Transworld Systems , INC, XXXX. 
# XXXX XXXX XXXX XXXX. 

I have sent two written correspondences requesting to dispute the non valid {$340.00} fee because I do Not work for the XXXX XXXX Police department and can Not be held responsible from their dishonest and apparently criminal actions. 

This harrassement must stop and I would appreciate if your agency could get involved to stop this non valid attempted debt collection. 
Not only was I injured, my vehicle destroyed to no fault of mine, Court proceedings and now harrassement of a debt I do Not owe.
Product: Credit card or prepaid card

I am writing to complain about my credit being ran following providing all the information requested from Discover Financial. They said I did not provide everything required but I did and did so on a follow up in a timely manner. When I followed up with Discover they indicated that the archived request would require another application for a change and their supervisor available said they understood why another complaint should be issued. Her name is XXXX and available XXXX XXXX XXXX XXXX. I feel I am being descriminated against for being XXXX or living an area they do not want to lend to.
Product: Debt collection

I was sued by the Moore Law group. They claim to represent XXXX  XXXX XXXX for an old credit card debt. I was never personally served by the Moore Law Group and they served someone at an old mailing address I do not use.
Product: Credit reporting or other personal consumer reports

In acordance with Fair credit Reporting Act ; these accounts has violateAd my federal protected comsumer rights to privacy and confidentiality under 15 USC 1681. accounts 1. XXXX XXXX XXXX XXXX , 2.XXXX XXXX XXXX  XXXX, 3.XXXX XXXX XXXX XXXX  4. XXXX Rights violated :15 USC 1681section 602 right to privacy 15USC 1681 sec 604 sec states a cusmer reporting agency can not furnish a account without my written instructions.15USC 1861 ( c, a,5 ) no CRA may make any consumer report contain any information adverse other than record of conviction. 15 USC1681 s-2 a,1 a person shall not furnish any CRA if person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : - XX/XX/XXXX - {$1300.00} - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$540.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$89.00} - XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX 5 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone with a rep from Experian checking on the status of a dispute submitted back on  XXXX   XXXX  via mail certified return receipt request and she stated that my dispute was not received and the last dispute the see was from  XXXX   2017 . So now I am confused because someone at  XXXX  signed for my dispute so i am not sure if it was discarded. This is upsetting me because if someone mails in a dispute it needs to be acknowledged and worked on. I am attaching a copy of the dispute sent which was the second request. i will be sending  a 3rd requ est this week if there is no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and XXXX accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and Experian immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and Experian with no success. Im also including a copy of the police report that was filed for the identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed underXXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.
Product: Credit card

I have not granted permission for these inquiries and strongly question their validity. I beseech you to conduct a thorough investigation and swiftly remove them from my credit report.
Product: Mortgage

We applied for a mortgage at US Bank on XX/XX/2022. Recently, media reported that XXXX had misreported some credit scores during this time ( https : XXXX ). 

We asked US Bank two times ( once via email to our broker on XX/XX/2022 and again on XX/XX/2022 through the in app messaging service ) to check and see if our scores were affected and they have not replied either time. I believe they owe us the courtesy of a yes/no answer, and if the answer is " yes '', an explanation of how the misreporting affected our mortgage rate. 

Thank you very much.
Product: Debt or credit management

Midland Credit Management does not have any prior business relationship with me. Yet they have called me at XXXX every other day for a week despite telling them to remove me from their list. They called the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX time the call is from a different number which is a known trick to disallow blocking of the contact. They have called from thr following numbers : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Vectra Bank failed to notify me of a fee assessed to our account on XX/XX/XXXX. 
The statements provided to us ( on XX/XX/XXXX after I disputed a late payment on my credit report ) were dated XX/XX/XXXX and XX/XX/XXXX but they have no mailing address and no electronic delivery means. I never received these statements. A letter from Vectra dated XX/XX/XXXX was sent to an address we havent lived at since XXXX of XXXX so again I did not receive it ( until XX/XX/XXXX ). I have impeccable credit history and pay my bills, but when a company fails to notify me of a charge how can I be expected to pay it? 

After receiving a voicemail from Vectras collection department my husband ( who is joint on the account ) made numerous attempts to get in touch with our loan officer and collections, but he continually got voicemail recordings. My husband finally was able to get in touch with someone at Vectra on XX/XX/XXXX to give them a bank account number to charge the annual fee. However somewhere along the communication a Vectra employee left out a XXXX in our account number and unfortunately the charge was rejected. 

Vectra did not notify us of the rejected payment ( based on their mistake ) and reported us as 30 days late on our credit reports. We have made every effort to contact them but do not receive return phone calls from their collections department. No consideration is given for their own employees mistakes and the lack of notice given to us regarding this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lincoln Automotive financial keeps opening and closing a charged off account from XXXX. So my credit score reflects back to back charge off when that isnt the case. Also, it should have never went into collections. The vehicle was totaled and they were dealing with my insurance company. I had full coverage and Gap coverage. I received a call ramdomly saying I owed an outrageous amount for the vehicle.
Product: Checking or savings account

On XX/XX/2022 I got a fraudulent charge from horoscope girls for {$39.00} on XX/XX/XXXX. I reported it to cash app which was where the transaction happened. They sent me an email inform me that they did receive my dispute and would be working on it and then I called him about a 2 week later and asked him in regards to a provisional credit from them due to the fact that I had received an email on XX/XX/XXXX and the 20this when investigating what is complete, and that my provisional credit was permanent stating however, when I went to go look at my transaction history and my statement for the month of XXXX, I saw no transaction for {$39.00}. I sent them screenshots of my statement and I said the screenshot of my transaction history and I got several different responses. XXXX was they had already saw the transaction give it to me on XXXX XXXX XXXX was that they sought on XXXX XXXX then XXXX told me to file a police report and then another one told me that there was nothing else they could do and then the last ones on the chat Service informed me that I need to go and try to download the transaction list and the statements and look at that every transaction should be documented on my account to use The thing I was wanting to know is, where was the provisional credit said no TRANSACTION ITSELF shown on my transaction history or my bank statement for the month of XXXX. Neither XXXX of them show any kind of refund for {$39.00} refunded me the money for {$39.00}. They informed me that before it became permanent I spent the money every transaction unless it didnt go through HAS TO BE DOCUMENTED I understand it can take up to 45 days for them to investigate it but see that I got an email saying that they went through the investigation and verify that I got my provisional credit and that it was permanent. Where is the transaction no refund transaction listed they anywhereboth of them saying the same thing with XXXX different dates and I dont see anything on my statement nor on my transaction history I want my money and pain and suffering for stressing me out and taking up XXXX of my day trying to find out where this transaction is visually located and I have a XXXXXXXX XXXX so I do not have time to be sitting here chatting with them. They need to get a phone support system that works I called the number they have, and they were no better about providing me information. And before they even say anything, XXXX is the name, I use on cash app to protect my privacy. I feel like I should have press charges against him for fraud and theft but Id be pretty petty of me by submitting a police report for {$39.00} seeing that they told me I should.
Product: Payday loan, title loan, personal loan, or advance loan

They charged me {$260.00} in past due fees and subscription fees when I only owed {$35.00} for a past due cash advance. I was not permitted to cancel my subscription through the app and therefore charged a subscription fee for each month my subscription was active, from XX/XX/XXXX until XX/XX/XXXX. I have not used the app for a cash advance or any other purposes for the past 2 years. When I reached out to customer support, they would only agree to refund me {$30.00} and would not waive the past due subscription fees even though they did not allow me to cancel my subscription.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2022, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA HAF and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, 2022, I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, 2022, and a payment was made to XXXX in XXXX, 2022. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the GA HAF program, XXXX began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA HAF program in XXXX, 2022, they did not update my credit report to reflect payment until XXXX, 2022. The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the Cares Act.
Product: Debt collection

How can this be re-inserted without proper notification? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Payday loan, title loan, or personal loan

I have a loan with XXXX XXXX I had a family tragedy in XXXX ( death in the family ), and the company supplied me with a one-time deferment of one payment, until the end of the loan. I have NEVER received ANYTHING legally in writing, with regards to additional interest being charged along with the deferred payment. My contract maturity date was XX/XX/XXXX, but with the deferment, it should ONLY be until XX/XX/XXXX. Now, I am nearing the end of the loan, that has been perfectly paid, and the company is NOW saying that I owe more interest, and I won't be done until XXXX. This is totally incorrect, and I also NEVER received anything in writing at the time of the deferral, that this was the agreement. This information was NEVER provided to me, and the XXXX XXXX  is not rectifying the issue. I want this issue investigated. I was NEVER legally notified of anything with extended interest.
Product: Credit reporting or other personal consumer reports

Ok Im trying to purchase a new vehicle so I can have reliable transportation to carry my kids to and from school, therefore I AM NOT TOUCHING MY CREDIT AT THIS TIME!! I have 3 HARD inquiries. 2 from a XXXX XXXX XXXX on XX/XX/year>. 

Then come on XX/XX/XXXX, its and inquiry from XXXX XXXX. 

Its on all 3, of my credit reports can you please help get this resolved because I did not grant anyone permission to run my credit!!! 

Thank you XXXX XXXX
Product: Mortgage

We missed a couple payments on our HELOC around XX/XX/XXXX. We were attempting to short sale our home. We stabilized and began making full monthly payments around XX/XX/XXXX but did not get the arrears caught up for 10 months but we made full monthly payment for the full monthly amount due. The company reported to the credit agencies that we missed XXXX payments. They said they had the right to do that because the arrears where not current. They kept applying the new payments to the ones in arrears and reporting late payments for the current months we were paying. Do we have any protection from the law regarding this and if so what is the legal statute, where can I find it please? Thank you.
Product: Mortgage

I am a XXXX XXXX XXXX veteran with a XXXX XXXX XXXX XXXX I used my VA benefit to purchase a property at XXXX XXXX XXXX, XXXX, XXXX  XXXX on XX/XX/XXXX. ( 0 % down and no tax liability according to law ). I secured a fixed rate mortgage and my original interest rate was around 3 %. My monthly mortgage payment was roughly {$680.00}. I refinanced my original mortgage with XXXX XXXX  XXXX and my mortgage payment increased to around {$760.00}. My mortgage was subsequently sold to Carrington Mortgage, and twice in three years my mortgage payment has increased over {$200.00}, allegedly due to escrow shortages according to Carrington Mtg. 
For the year prior to XX/XX/XXXX my mortgage was {$760.00} and, once again, allegedly due to escrow shortages my payment has once again increased {$210.00} to {$970.00}. 
Prior to this latest increase, Carrington Mtg. had increased my mortgage payment from around {$760.00} to {$880.00} for 12 months to cover what seems to them to have been an escrow shortage. Finding this out took many phone calls and conversations with several different people before I was able to make some sense of what their ostensible reason was for the increase. 
I do not understand how my fixed mortgage payment could increase in such large amounts over such a short period of time. I have gone from roughly {$680.00} per month to close to {$1000.00} in XXXX years. This baffles me and aggravates my sensibilities. Other homeowners in my location, whom I have talked to, have said they have never heard of mortgage payment increases in such amounts with a fixed rate mortgage. 
I am sending my complaint to CFPB with the understanding that CFPB has been involved with Carrington Mortgage before concerning other unfair practices by this corporation. Are Carrington Mortgages increases justifiable or legitimate? 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX ________________________________________ Carrington Mortgage Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX https : XXXX
Product: Credit card or prepaid card

On XXXX I ordered an item from Amazon.com and partially paid for it with Chase Visa reward points equal to {$280.00} ( XXXX points ). A few hours later I cancelled the order before it shipped. My card was never charged but the points were taken and never refunded. 

I waited a couple weeks for the points to show up on my account but they never did. I reached out to Amazon support and they said they have no control over Chase reward points and that I would need to reach out to Chase. I reached out to Chase and they said that I had to wait 30 days for the points to return. 

After 30 days had passed and the points still not returned, I again reached out to Amazon and again was told to call Chase. I called Chase and escalated to a supervisor, who told me they were escalating the case. But two weeks later I only received a letter once again telling me to contact Amazon. 

As of XX/XX/XXXX, I've repeatedly reached out to both Chase and Amazon and escalated the conversation as far as I can. Both sides readily acknowledge that the points were taken and never refunded, but they insist that they can do nothing and the other side is the one I need to talk to. See attached documents showing both Chase and Amazon responses.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6, 2 states I have the right to privacy ( 15 USC 1681 ) section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

This company falsely reported my account as late which is a incorrect and a violation.