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

On XXXX XX/XX/2020 I signed up for Lexington Law services. Later that day I found a Lawsuit filed by the CFPB against XXXX XXXX XXXX, and XXXX XXXX, XXXX d/b/a Lexington Law Firm. Since I found this information I cancelled my account and revoked permission for Lexington Law to debit my bank account or credit card. This morning I discover a pending charge on my bank credit card for {$71.00}. this charge was made AFTER I sent a letter indicating this account is to cancelled and received a reply from Mr XXXX XXXX indicating this account was closed. The lawsuit proves the allegation by the CFP. That the individuals named above d/b/a Lexington Law Firm are bilking consumers out of money. I decided I do not want the services if Lexington Law, was told my account was cancelled, and still ended up with a charge " after I revoked consent ''. If possible I would like to join the lawsuit. These people are taking advantage of consumers by stealing funds from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO defrauded me the case. was filed in the United States District Court XXXX District of XXXX XXXX v. WELLS FARGO & Co.Case number XXXX XXXX. They reported damaging credit from XXXX XXXX on customers like me. They charged me fraudulent settlement fees refused to apply payments when I did not pay settlement and reported late payments and still were until recently. They have not owned my loan sinceXX/XX/XXXX.I want them removed from my credit report they have harmed me enough. They refused to Allow me to modify my mortgage.when they sold.me to XXXX XXXX services. XXXX XXXX  agreed to let me modify my loan and WELLS FARGO forced my mortgage to foreclosure I had to file for bankruptcy because they would not let me modify
Product: Credit card or prepaid card

I purchase a XXXX timepiece on XXXX Website. the warranty date and the seller information i s different from the warranty card. XXXX stated in an e-mail, The difference between the dates is negligible as we are a little more lenient when it comes to the warranty period depending on the issue with your timepiece. We recommend using your warranty card as proof of purchase since XXXX is not an authorized retailer of our watch. We will without a doubt accept the card. Hope to have been of assistance and remain at your disposal.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. ( XXXX XXXX XXXX ) is the account being referred.
Product: Credit reporting or other personal consumer reports

This is my numerous 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I called their customer service on XX/XX/ asking for a full amortization schedule of the loan. The person I spoke with said he is unable to provide it, but if I contact XXXX, they would be able to provide the schedule. I emailed them on XX/XX/2023 at XXXXXXXX XXXX EST. 

I recieved a reply on XX/XX/2023 from XXXX. All I recieved was a schedule of all my payments and due dates for the loan. The document did not include principal or interest amounts. 

I stated this is not the information I was asking for, so she then sent me the breakdown of interest and principal for my next payment due. 

I asked for the whole schedule, and on XX/XX/XXXX, XXXX XXXX replied " You can access your loan agreement online in your account ''. 

He is correct, but there is no amortization schedule. I was originally asking for the schedule because I tried making my own and guess what? I can't get it to tie out to the weekly payments, loan total, and interest. As an accountant, this is a very basic schedule to create yourself, but raises some questions when the numbers dont seem to work and no one will get you what you are asking for. 

I have sent 2 follow up emails but have no recieved a response since XX/XX/XXXX. 

I will take responsibility that I took the loan with an absolutely insane interest rate, but they are NOT being transparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian - This company makes it so difficult to cancel your service that most people like me just give up. You can not cancel your service or pull your credit card from their website. You can only call them at XXXX and give them lots of information and then they immediately have their recording tell you it will be a 30 minute wait time to cancel your service.

As I am typing this complaint, I have been on hold for 47 minutes not 30 minutes. This has been the norm in the past and I have given up and hung up to tater find the same results. I want to issue a complaint and will call my credit card company to file a complaint with them as well. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, I took {$100.00} cash out of my checking account at a Wells Fargo ATM # XXXX / Bank at this address : XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. An alarming phone call distracted me and I accidentally walked away, taking my card and leaving the cash at the mouth of the machine/ATM. I drove for 5 minutes before realizing what I had done. I turned my car around and called the branch immediately to ask if someone would check the machine for my cash. A manager named " XXXX '' got on the phone and said, " Mrs. XXXX, we have good news : our customers are very honest and one brought your cash in the minute you pulled away. We know it was yours because we can see you are the last one to use that machine and it was for {$100.00}. '' I came back to the bank within 10 minutes, asked if I could have the name of honest customer who brought in the cash ( to reward them ) but was told no. I was then told I can't take the cash - XXXX said it must be processed and it goes back to wells fargo, and will come back to my account in a few days - usually within 10 days. I was surprised but happy to get the {$100.00} back. I was shocked when XXXX said I had to complete a " claim '' to get the money back. It is now XX/XX/2019. I have been to the bank to tell them I've heard nothing, XXXX said it can take up to a month .... Now I have received 2 letters saying that the {$100.00} will be deducted FROM my account. What? It was NEVER put back in! I have also called a Wells Fargo number on my claim paper and was told the money was never processed. Then the person corrected himself and said, " It was reviewed and the money was giving to someone else. '' I have been to the XXXX XXXX branch 3 times to discuss this and they keep telling me XXXX remembers the situation well and now the money should be processed the right way. But I just received another letter saying I will not receive the money, and that another {$100.00} will be taken from my checking account.
Product: Credit reporting

there is a XXXX BP account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must delete any incorrect accounts from my credit report. Could you verify the documents? There are inaccuracies in the reporting, amounts, and dates for some accounts.
Product: Mortgage

XXXX. In 2013 I had renters staying in my home for 3 years. When they moved out I needed time to get the place ready to re rent. I chose to do loan modification. Because I am a XXXX XXXX. My husband and I needed to clean the place mow the lawn spray for termites and fleas as it was infested and paint. a company was hired by XXXX called altisource solutions. They broke into my home, they broke sliding glass doors to the kitchen, theback sliding glass doors, the front door, and broke the locks both regular lock and deadbolt off the door and replaced the regular lock and a lock box. This make the property less secure. Once inside they left a sticker on the window and when we called the number had been disconnected so we called the police. They started charging fees. Meanwhile we were in the middle of going through a mortgage renegotiation because it was so high. The home was not vacant nor was it in foreclosure and they had no rights to the property. For 2 years we have been asking to get this resolved! We filed a police report. We called many times only to be told to call and speak to our " relationship manager '' which is a joke as we have had so many of those we cant count. They have added and refuse to remove their " Maintenance '' fees which they never provided any maintenance. Today altisource called stating they tried to contact us in XXXX of 2013 by mail. ( never happened ) and gave me crazy off the wall phone numbers they said were supplied by us LOL! ( I know my own phone numbers and they have n't changed in 2 years ) Yesterday the guy called me and asked if I was the guy who was supposed to be helping me from XXXX. When I said excuse me? He said oh " this is n't XXXX? I do n't think I sound like a XXXX .... He offered to fix the damage and add it to my loan. Can you imagine? His company broke my property and he will buy materials and contract to fix it and charge it to me to pay for so I get XXXX twice. What a happy ending. I pray no one ever has to deal with XXXX or altisource solutions as they wolves in sheeps clothing pretending to be helpful all the while and XXXX as soon as you turn around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on XXXX days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX XXXX XXXX, XXXX XXXX I, I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC is hurting me my credit report negatively when under the FDCPA they must send me a validacin of the debt : Original creditors full mame and address Date your company purcharse said debt Amount you paid for said, debt date of last activity/payment if any This is an official request validation, debt should you be unable yo provide such proof and contine to report negatively against my credit. I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. Another thing is the monthly payment is incorrect. If the 3 credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect. Also XXXX states active duty is not suppose to have any apr over XXXXt and I was a resident of Pennsylvania during the law suit of attorney general and 32 states had relief and I still havent
Product: Student loan

FedLoan servicing can not provide me with any options for paying my loans. My income is too high for income-driven repayment, but my debt burden is too much to make another {$1000.00} payment every month. I have called countless times to try and work with them, but I just end up going into forbearance. It's about to drive me to XXXX, since my credit score has gone down due to missed payments, and they will not make a Goodwill adjustment despite having kept up with them for the past four years, so my credit score isn't high enough to refinance. I don't know what to do. 

Also, it's disgusting that they along with XXXX encourage XXXX XXXX XXXX to take out this much money when they have no idea what they're getting into.
Product: Debt collection

My name is XXXX XXXX debt collector Credit Collection Service referencing acc number XXXX. I sent a cease and desist letter on XX/XX/2024. They constantly are texting me on the alleged debt which is violation. I have no contract with the debt collectors, or haven't got a notice of this debt five days before report it to the credit bureaus. furthermore, I noticed on the XXXX that they are not registered to collect on this alleged debt.I won't this to be remove from my credit profile along with any negative remarks. Each violation is a XXXX.
Product: Debt collection

I took out a personal loan with Lendmark Financial in XXXX for {$2000.00}. I made multiple payments of {$130.00} for a few months until I lost my job due to the company closing. When I signed my loan papers, I was told that if I lost my job, the loan was insured and would be paid off in case of job loss or death. I notified Lendmark of such and heard nothing there after. In XX/XX/XXXX, I filed XXXX  XXXX bankruptcy. Lendmark Financial was included in my bankruptcy because they were still being reported on my credit report at the time. During my bankruptcy, XXXX XXXX  XXXX continued to pursue action against me in the District Court XXXX XXXX XXXX XXXX, Maryland, around the same date and time as my first " meeting of the creditors '' in bankruptcy court. Even though they were well notified of my bankruptcy filing, this debt collector still pursued action against me in the District Court in XXXX of XXXX. They never showed to any meeting of the creditors nor made any filings in contestation of my bankruptcy. My bankruptcy was dismissed on XX/XX/XXXX of this year. About a week later XXXXXXXX XXXX XXXXXXXX filed a motion to lift stay in the district court. After receiving the one page document of the motion to lift stay, I contacted XXXX XXXX  XXXX about the debt. I was emailed a letter stating that the amount owed is {$3800.00} with a breakdown of how the debt was calculated. Which did not adequately identify the amounts of the alleged debt owed or the accrued interest which is in violation of the Fair Debt Collections Practices Act. At the time of my bankruptcy, there was a class action lawsuit for the exact same actions by XXXX XXXX  XXXX of unfair debt collection practices ( Case No. 1:12-cv-00163-CCB ). XXXX XXXX  XXXX has a history of violating the Fair Debt Collection Practices Act. Which they are still violating today. As of XX/XX/XXXX, XXXX XXXX  XXXX filed a motion for renewal in the district court on a debt that is past the statute of limitations. When they filed this action, they NEVER sent me any notice or copy of the motion they filed giving me a chance to respond or contest as a pro se litigant or to retain adequate counsel to represent me in this action. Further violating my rights as a US citizen and resident of the state of Maryland in XXXX XXXX XXXX and the fair debt collection practices act. As well as causing undue hardship, harm and damage to my credit unfairly on a debt that is past the statute of limitations.
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 been violated my rights 15 USC 1681 XXXX XXXXt # XXXX** Has violated my rights 15 USC 1681 section 602 A,. 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 account without my written instructions 15 USC 1681 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX CO ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX. 

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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, 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: Credit card or prepaid card

Dear Sir/Madam, In early XXXX 2019 we made a trip to XXXX, renting a vehicle from XXXX XXXX XXXX  in XXXX, The XXXX. 
We returned the car on XX/XX/XXXX. without any trouble, after an overnight stay at a local hotel. As my wife has trouble walking after a XXXX XXXX, we parked on a hotel parking XXXX place, displaying our XXXX placard from the rear mirror as usual. This has never been a problem on this trip. 
On our return home, we noticed on our credit card bill a charge of {$460.00}, from the rental car company, as a fine from the local police for parking in the wrong spot. 
We learned later that the rental car owner gets the fine and is supposed to re-charge this to the customer. 
XXXX XXXX  send us an invoice, explaining that there is a system of appeal if you believe this is not correct. If you lodge an appeal to the local authorities, their website explains that NO PAYMENT is required as long as the appeal has not been decide by a local judge. We immediately informed XXXX XXXX  of our decision to lodge an appeal and questioning their reasons for paying prematurely. 
We also disputed this charge with the credit card company, Capital One. 
Last week we received a letter from the local authorities in The Netherlands that our appeal had been found valid and no fine and/or administrative costs had to be paid.All documents, with translations where necessary, have been sent to Capital One, which they acknowledged. 
We immediately informed Capital One of this course of events with the request to reimburse our account as soon as possible. 
This morning, we received a phone call from Capital One that they can not do this because the merchant ( XXXX ) has not told them to do so. A phone call and two emails to XXXX also went unanswered. Now we are between a rock and a hard place, and we would like you to intervene with Capital One to make us whole again. Thank so much.
Product: Mortgage

I have repeatedly requested a full payment history broken down by interest and principal and have yet to receive a response weeks later. Newrez is the new servicer that took over for caliber home loans.
Product: Student loan

Called On XX/XX/XXXX, at XXXX XXXX. On hold for XXXX hours and XXXX mins. Spoke to XXXX ID number XXXX. Requested my student loan refund. Told me XXXX business days and it would be in my account. 

Called XX/XX/XXXX, at XXXX XXXX. 
The person I spoke with stated my refund request has been received however, the process is taking anywhere from XXXX weeks to 2 months. But reassured me my refund will be refunded to my banking account. Their system is just overwhelmed. 

Called XX/XX/XXXX, at XXXX XXXX. 
Automatic system told me they no longer service my loan and to call this number.