23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX, notified me on XX/XX/2022 about an alleged debt. According to Title 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of their fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. 

XXXX XXXX XXXX XXXX and its agents harassed me for an alleged that that was not even validated. Shared statements as well as a copy of a consumer contracts as evidence of the day, but as per the judgment in the case of XXXX XXXX XXXX XXXX XXXX a copy of the consumer contract is not sufficient evidence of debt. Due to their continuous act of deceit, coercion, and intimidation I have suffered XXXX stress and XXXX. 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If they do not cease communication a lawsuit will be commenced against them. 

XXXX XXXX XXXX XXXX and LVNV Funding LLC HAVE FALSELY REPORTED INFORMATION THAT RESULTED IN DEFAMATION OF MY CHARACTER. Further, they have created a deceptive form that made creditors and employers believe that I was in debt, though they could not prove its validity. If the debts were valid, they created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, both XXXX XXXX XXXX XXXX and LVNV Funding LLC are liable according to Title 15 USC 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently check my credit report on XX/XX/2021 and notice that the CRA 'S ( XXXX, EQUIFAX, AND XXXX  ) are reporting incomplete and inaccurate information on my credit report and have not verified the items nor sent me the information that i requested.i sent some more letters off on XXXX XXXX and haven't gotten anything that i requested.i use USPS certified mail on both occassion.XXXX ( XX/XX/2021 ) # XXXX XXXX XXXX XXXX XXXX ; EQUIFAX XXXX XXXX XXXX XXXX XXXX ; XXXX  # XXXX XXXX XXXX XXXX XXXX EQ XX/XX/XXXX-XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received email alert about new inquiry on my credit report. When I checked, it was a hard inquiry by FNB OMAHA. I tried calling their number, with no response. 

On XX/XX/year>, I received another email about the same issue. ( Several of my credit cards offer this service. ) This time, I tried calling FNB OMAHA again, and got bounced to a voicemail that was garbled and difficult to understand. 

Since this was on my XXXX report, I tried to dispute this - only to find out inquiries can not be disputed. But they did take a fraud alert for my credit report. She then recommended I file an identity theft report with my police department. I explained that I am XXXX and XXXX so she gave me " FTC.gov '', which switched me over to you. 

As I told XXXX, neither I nor anyone else in my house applied for any type of credit with this bank - ever.
Product: Credit card

I went to activate my card but it was denied. I called gave all the information. I was told that he card was deactivated because I did not use it. Is this legal?
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a letter from Citi bank stating that the Wire Transfer that happened on XX/XX/XXXX wasn't Fraud. 

It was fraud and I'm requesting proof that it wasn't fraud my son lost his wallet that had his ID, check stub, and debit card in there. This must be an internal issue as we're not giving proof of anything. 

Please provide explanation as why it's not fraud when I'm claiming it is. Please clear this balance up as this wire wasn't done by me or my son.
Product: Mortgage

Guaranteed Rate Inc consistently applies payments to my mortgage account incorrectly. GRI has been servicing my loan for 16 months of the 26 total payments I have made, 16 not correctly applied to my account. All the misapplication errors are in favor of GRI, if not caught these errors would cause me to pay more money than required. I made the most recent payment not correctly applied on XX/XX/XXXX ; a curtailment payment in the amount of {$2200.00}. GRI applied {$690.00} to my XX/XX/XXXX scheduled payments and {$1500.00} to curtailment Notify GRI of these errors thru RESPA NOTICE OF ERRORS address results in more payment errors. The most recent example is a letter sent by GRI dated XX/XX/XXXX. In this RESPA response letter GRI listed several payment reversal and payment applications, however the response letter resulted in additional errors. A curtailment payment made on XX/XX/XXXX that misapplied as my XX/XX/XXXX scheduled payment was reversed and never reapplied as a curtailment payment. 

Notifying GRI of payment errors results in erroneous fees. In a RESPA NOTICE of ERRORS response letter dated XX/XX/XXXX, XXXX claims that a Bad CHECK payment on XX/XX/XXXX and charged me a fee of {$20.00} and also claims a Bad CHECK on XX/XX/XXXX and charged me another {$20.00} fee. GRI received no BAD CHECKS. 

GRI consistently sends me monthly Mortgage Statements that do not accurately reflect my mortgage account activity. Most statements show payment amounts as XXXX, making it impossible to know what is going on with my account with all the payment misapplications reversals. 

GRI must be attempting to trick me into paying more money than required. GRI is secure in knowing that I can't choose a different servicer and therefor is not too interested in servicing my mortgage correctly. A XXXX child could do a better job.
Product: Credit reporting or other personal consumer reports

I PULLED MY CREDIT REPORT FROM EQUIFAX AND NOTICED SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. CAN YOU PLEASE REMOVE THEM.
Product: Credit reporting or other personal consumer reports

This was paid and it is negatively impacting my ability to obtain credit and employment. Please remove from my report immediately. 

XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I used XXXX XXXX XXXX  's bill payment service to pay barclays business credit card. At this time my bank account was though to be hacked. As such they put a hold on all payments. Barclays is now charging a {$39.00} return payment ( XX/XX/2021) for that attempted payment. I tried calling twice to discuss the unique situation with no solution.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I contacted Volkswagen Financial Services to request their assistance in removing a prior credit inquiry from my credit report. My goal was to address and resolve this issue, as the inquiry is negatively affecting my XXXX XXXX and complicating my financial stabilization process. It is important to highlight that my account with Volkswagen has always been managed with timely payments, demonstrating my financial responsibility. 

The original inquiry was made in XX/XX/XXXX. I am only asking Volkswagen not to wait until XX/XX/XXXX for the inquiry to expire naturally. With only XXXX months remaining, they have already observed XXXX on-time payments with no delays, further validating my positive payment behavior. Additionally, Volkswagen performed XXXX separate inquiries for the same credit application, which were reported on XXXX as " VW CREDIT '' and " XXXX XXXX. '' These duplicate inquiries generated XXXX separate entries on my credit report, causing an unnecessary and disproportionate decrease in my XXXX XXXX. 

In their response, Volkswagen acknowledged my concern and informed me that, while they report account information to credit bureaus, the responsibility for disputing and correcting the inquiry lies directly with the credit bureaus, such as XXXX or XXXX. They provided me with a mailing address to send my dispute, which unnecessarily complicates the process, as I expected the financial institution, being the originator of the inquiry, to take direct action to resolve the matter. 

This lack of direct resolution by Volkswagen Financial Services has unnecessarily complicated a process that should be more straightforward, considering my positive payment history and the absence of any default or issue related to my account. For this reason, I am filing this complaint with the CFPB to request assistance in resolving this situation. 

Additional documentation attached : Response letter from Volkswagen Financial Services dated XX/XX/XXXX. 
Payment history demonstrating that my account is up-to-date. 
I kindly request that this matter be investigated, and a solution be provided to ensure the removal of these duplicate credit inquiries from my report.
Product: Mortgage

Opened a home equity line of credit with US Bank in XXXX of XXXX. At the time I opened the credit line the representative at the bank said that in order to make payments on the line of credit I needed to open a checking account with the bank, transfer or deposit funds in the US Bank checking account monthly, and set up the equity line to automatically withdraw from the checking account to make the payment. I had no desire to sign up for a checking account, as I had no intention of moving my other banking to US Bank and did not want the hassle of maintaining and transferring money between multiple accounts, but did so anyway at the behest of the branch employees insisting that it was necessary to make the monthly payments. 

I made timely payments throughout the remainder of XXXX and into XXXX. At some point during that time period the branch employees encouraged me to downgrade my checking account from platinum to gold, to avoid fees for not carrying a large enough balance in my checking account. I told the branch employee that set up the checking account that I only intended to maintain enough of a balance to pay the equity line payment. Selling me that checking account in the first place was a mistake given that I never intended on carrying a $ 25,000+ balance. I made the change and continued to make my automatic payments to my equity line. The branch employee failed to inform me that the change in checking account type ( which I never wanted in the first place ) would result in an annual fee being added to my checking account. When the annual fee was charged it caused my checking account to have insufficient funds to pay my equity line, despite the automatic deposit into the checking account that I never wanted. 

The cascade of this ( starting in XXXX of XXXX ) is that I have been charged hundreds of dollars in overdraft fees for a checking account I was coerced into opening ( that was closed by US Bank ), been charged late fees on my equity line and given a 30 day credit late for a late payment on my equity line.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S.C 1681C-2 ) that TransUnion credit reporting agency, block information appearing on my consumer credit report. That is the result of Identity theft and fraud within four business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loans. XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX under the account number XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report. Maintained by TransUnion which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/2019 we closed on a property we purchased. The closing documents we signed on that dated indicated one amount of {$1400.00} for the total mortgage. We later on received a mortgage statement dated XX/XX/2019 from a new mortgage company with a new mortgage payment amount of {$1500.00} that was to start on XX/XX/2019 with no explanation of the change. After several phone calls to the new mortgage company, a response was sent XX/XX/2019 was a copy of a new closing disclosure form dated XX/XX/2019 that we hadn't seen before nor agreed to that contained new amounts which changed our original mortgage payment. This was done without our knowledge or consent. There is no documentation with our signatures. I am concerned, that if the loan is sold again, the mortgage can be raised even more. Is this common practice for the mortgage amount to be changed after the original closing date because of changing closing cost? I'm confused and highly concerned on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed account. If they failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting

Transunion had errors in education and employer, and locked me out when trying to update for my " protection ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone online twice to obtain a copy of my credit score and consumer report with SageStream credit reporting through their online portal. I have sent all the necessary documentation they have requested and have received nothing. On XX/XX/2020 I attempted to call on the phone and got a recording and they wanted me to leave a message. 

How does a credit reporting agency that controls such an important part of a persons life not be available to answer calls? Never even heard of SageStream until 2 months ago.
Product: Payday loan, title loan, personal loan, or advance loan

Sezzle was sponsoring an event ( I will provide a copy of the notification that just hit my screen for another one of there event as example ) on XXXX for a company called XXXX. This shopping spree gave away gift cards at different denominations during event. I placed an order for an XXXXXXXX XXXX and XXXX XXXX I when back to the event which was still in action. Something seemed strange as other items coming out looked very cheesy, not a popular item nowadays at all for the prices. I XXXX  what the watch and XXXX glasses were worth and compared this to what the XXXX website was selling/comparing them too. They had inflated the cost compared at making a person believe it was worth it. I immediately same night canceled order. The next morning XXXX stated they do not process cancellations, exchanges or returns. I should have purchased their recommended partnership insurance called XXXX XXXX XXXX ( available at select checkouts ). Now I have to advise both Sezzle and XXXX  my bank return the 1st installment for this order back to me, the company was flagged under FRAUDULENT ACTIVITIES AND BLOCK FROM any future deductions and DO NOT PROVIDE THEM or any company the key to your account which is the routing and account number. Advised both this is also a problem and I still havent received the item I tried to cancel and now they will not be able to deduct for the order. Contact with 2 Sezzle reps XXXX and XXXX who suggested to extend due date out. Nobody has an answer but my bank. That answer is they will NOT have access to your account at all! I am now in receipt of the package. Problem now is that I am XXXX and I cant get out to mail this package back until I receive my benefits to be able to pay for shipping etc. All they had to do in the XXXX place was cancel the order it had NOT been shipped yet. I label this as PREDATORY LENDING. The items were of bootleg types, cheap, and fake! The XXXX sunglasses were not of quality at all! I have made XXXX purchases before and these must have came from the XXXX XXXX  and them redesigned with the XXXX on the side, RIDICULOUS!
Product: Money transfer, virtual currency, or money service

I am filing a complai Mainst, Cash App ( Block , Inc. ) & e to XXXX 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. 
0:3gF urthermore, their dispute resolutio? XXXX 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 appropriate redress for these violations.
Product: Debt collection

Received a collection notice in the amount of {$3500.00} for maintenance fees on a timeshare from XXXX XXXX XXXX , XXXX . The amount includes {$1100.00} in fees from previous collection company " XXXX XXXX XXXX, '' and {$880.00} in fees from XXXX XXXX XXXX , XXXX . The original debt was {$1400.00}. We attempted to make payments to Aspen who returned our payments when made. We disputed the debt for excess fees greater then allowed by law, but nothing happened. Now this new collector " XXXX '' is attempting to collect {$3500.00} by adding {$880.00} in fees on top of the {$1100.00} in fees tacked on by Aspen to the original debt. Aspen sold the debt to XXXX including their collection fees. The original contract does not include allowed interest or excess fees. Aspen also tacked on interest from the beginning, adding interest before they actually owned the original debt which is not allowed under the FDCPA.
Product: Debt collection

This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). 
Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.

Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( XXXX ) the false representation of XXXX XXXX XXXX the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt. 
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Product: Payday loan, title loan, or personal loan

I went to a local location of XXXX XXXX to get an estimate about a dental procedure that would cost several thousand dollars. They offered me the financing option to open a XXXX XXXX credit account. I did not want to select the financing option, but before I knew it, I received a letter informing me that an account with a credit limit of XXXX  had been opened with XXXX XXXX in my name. 

When I called XXXX XXXX and visited the location in person, their office XXXX, XXXX, said their computers were down. I checked back two or three times over the course of two weeks, and their systems had still yet to be repaired. 

I also called XXXX XXXX, and they said that they need to investigate. However, if I did not make the minimum payment, then I would be subject to late fees and interest payments.