23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Making an on-line purchase with Discover card and transaction was declined. Received an e-mail indicating a suspicious transaction with. the amount of {$39.00}, I indicated that it was not what I was attempting to purchase. The account was shut down and I was instructed to call the fraud dept. Called the number and auto answer stated wait time was over 10 minutes. I made several attempts to call Discover for 2 days ( XXXX and XX/XX/10 ) and each time was on hold for over 15 minutes and up to 30 minutes with no answer. In the meantime, I received e-mail messages to call the fraud department each time I attempted to go online and contact Discover. I also recieved an automated call from Discover advising it was the fraud department regarding a suspicious charge and once again, put on hold for over 15 minutes and then their system stated that there was no fraud specialist available and hung up. My payment is due on the XXXX and I was attempting to make a payment, but the account is locked, yet I get a reminder that my payment is due shortly. No one answers the phones on the general number or the fraud department number. This is no way to run a business and time spent was wasted.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the blocking and deletion of the following account and associated inquiries from my credit report, as I am a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$340.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a XXXX XXXX  bill that I never took and when I contacted Mid-South adjustment agency informing XXXX that 20 years was past the expiration they claimed that because they attempted to garnish a company that I know longer works for the first time months after I no longer work there and the second time 11 years after I was no longer employed and they're claiming that because they attempted to garnish this job that I'm no longer worked for 11 years after I stopped working there that it extended the statute of limitations will pass the XXXX mark. So now they're threatened to possibly garnish my paycheck over a debt they can't even prove I owe that they kept alive for over 20 years by filing garnishing paperwork to accompany I no longer worked for obviously stretching to the XXXX the intent of the statute of limitation laws. What's the point of having these laws if all the company has to do is every 10 years send a garnish letter to some job they knew you had once upon a time extending it XXXXXXXX XXXX XXXX XXXX XXXX  It makes no sense and I'm sure any lawyer will agree with me that it is illegal especially considering the second attempt was exactly XXXX XXXX  after the first which means they were harassing a company asked me for a garnishment for somebody they knew did not even work at that company to extend the statute of limitations.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Resolving Credit Report Issues Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally request your assistance regarding serious discrepancies found in my credit report. After obtaining a copy of my credit report, I discovered numerous unauthorized inquiries, as well as variations of my name and outdated addresses associated with my report. 

Despite my efforts to resolve these issues by sending multiple letters to the credit reporting agencies, I have yet to receive a satisfactory response or resolution. These inaccuracies not only affect my creditworthiness but also represent a significant source of stress and concern. 

Specifically, I would like to outline the issues I am experiencing : 1. Numerous unauthorized inquiries that I did not authorize.

2. Variations of my name that do not accurately reflect my legal name.

3. Outdated addresses that should no longer be associated with my credit report.

I believe that these errors may be contributing to a negative impact on my credit score and overall financial history. I kindly request your support in facilitating the correction of these inaccuracies and in assisting me with the removal of the unauthorized inquiries.

Enclosed are copies of the relevant documentation I have previously sent to the credit reporting agencies, as well as copies of my credit report highlighting the discrepancies.

Thank you for your attention to this matter. I trust in your commitment to consumer protection and look forward to your guidance on how best to resolve these issues XX/XX/XXXX XXXX XXXX XXXXXXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX XXXX  Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Experian Address XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX, ca XXXX View prior addresses XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX View prior addresses Experian XXXX XXXX XXXX XXXX, ca XXXX View prior addresses XXXX None Match
Product: Debt collection

Dear Collector, I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : XXXX the amount of the debt ; XXXX the name of the creditor to whom the debt is owed ; XXXX verification or copy of any judgment ( if applicable ) ; XXXX proof that you are licensed to collect debts in Maine ; XXXX proof XXXX the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within XXXX  days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Mortgage

XX/XX/2022 I applied with New American Funding for pre-approval of a conventional VA home loan. I purposefully applied to several loan companies at the same time to not destroy my credit score. After submitting the pre-approval, I did not have any contact from the lender so I decided to use a different company. On XX/XX/2022 New American Funding pulled my credit score and it was listed as XXXX XXXX. I thought it was fraud. It took me disputing the credit inquiry only to find out that XXXX XXXX was actually New American Funding. Ive never had a credit pull 2 months after applying for something. I ended up losing my dispute and this pull was listed as a hard inquiry. This is how you hurt consumer credit scores when they are trying to do everything correctly.
Product: Mortgage

I refinanced my home with Embrace Home XXXX and closed on XXXX XXXX, 2015. I refinanced from a 30yr mortgage with no MIP. The MIP was removed after 5 years and after my LTV was below 78 %. After about 2 years I decided to refinance for a lower rate and no MIP. I refinanced with a streamline 15yr mortgage. No upfront MIP and no annual MIP. I have made payments for a year and then Embrace decided to withdraw money from my Escrow account without my knowledge to pay form MIP. They withdrew money to pay for taxes and insurance and caused my escrow account to be short. After trying to get them to understand that I did not have MIP, they decided to refund my account. After refunding my account they said my loan should have had MIP. Based on what the lender and other lenders I shopped with before deciding to go with Embrace my loan does not have MIP. I did not sign any documents that stated this loan would have MIP. All loan disclosures we signed only stated payment would consist of P & I, taxes and insurance. How can 1 year after closing a bank just can add insurance to a loan and remove money from accounts that they have no rights to. It is my understanding that nothing can be added to a loan after closing. If there was a clerical error they could contact me to correct that but. nothing regarding the amount of loan, interest or any other payments could be added. Please help I have tried since XXXX of this year to get this corrected and they can not seem to fix this problem. It seems that the bank should be fined and held responsible for this error and correct the problem or pay my house off. I attempted to make a payment today online like I normally do and could not, because the payment amount is incorrect because of this problem. They have added MIP to my payment and well as a shortage amount which they caused the shortage themselves by steeling money from my escrow account. I have attached my Final HUD, Truth and lending statement, which show no MIP at closing. I have also attached my first payment stub which also shows no MIP. The current payment know shows MIP and escrow shortage. This need to be corrected
Product: Checking or savings account

Unauthorized XXXX  and XXXX XXXX and online charges
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed  consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX REQUEST NOT A DUPLICATE* I love the fact that people are working for this company and DONT KNOW THE LAW They truly are not investigating nothing. THEY DO NOT SEND OUT UPDATED REPORTS. THEY DO NOT VERIFY INACCURACIES AT ALL. I WORK IN CREDIT REPAIR AND I KNOW THE LAW. I ALSO KNOW I CAN SUE THEM. FOR THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are reporting this account every month since XXXX as a XXXX trying to make it newer than what it actually is which is a misrepresentation of account status. WHICH IS AGAINST THE LAW. DELETE IMMEDIATELY XXXX. They have the same account listed twice on my credit report as XXXX and XXXX XXXX if you investigated like you said you do, you would know THIS IS THE SAME ACCOUNT!! Reporting as XXXX  on my credit report every month as a newer account when this account is listed as closed since XXXX. Another misrepresentation of account status. DELETE IMMEDIATELY XXXX. XXXX XXXXXXXX XXXX XXXX XXXX listed as XXXX XXXXXXXX claimed XXXX on XXXX credit report for 2 years now showing as XXXX all of XXXX. Misrepresentation of account status DELETE IMMEDIATELY. Trying to report the account newer than what it is. XXXX XXXX XXXXL account listed as XXXX and Repo date XXXX. Did not give me a chance to repurchase the property. Did not invite me too the auction. They failed to try to recoup any money. I AM CHALLENGING THIS. SEND ME WHERE THEY DID THIS! You can keep lying to CFPB and telling them you are sending me method of verification letters. I know you are not, and I have every dispute, every letter, every phone call conversation and so does my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
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 These negative items are stopping me from being able t fund my business, finance a new car, maintain financial independence and long term sustability, also I am physically XXXX causing me even more hardship XXXX  XXXX XXXX Credit card number- XXXX {$3200.00} XXXX  XXXX  XXXX Credit card number- XXXX {$2500.00} XXXX XXXX  XXXX Credit card number- XXXX {$2500.00} XXXX XXXXf XXXX Credit card number- XXXX {$2400.00} XXXX XXXX XXXXXXXX Credit card number- XXXX {$2400.00} XXXX  XXXX XXXX Credit card number- XXXX {$510.00} Have violated my rights 15 USC 1681 602 section A. says I have the right to privacy 15 USC 1681 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 USC 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: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT.
Product: Debt collection

Gurstel Law Firm , P.C . gave me a fake summons on XX/XX/year>. It was not delivered by a sheriff, page 2 was not signed, and page 5 signature is forged. I have a separate summons that has XXXX XXXXXXXX XXXX signature and it is completely different. Also page 6 is in color, the summons are black and white. Which leads me to believe that this document is fake.
Product: Credit reporting or other personal consumer reports

I am a natural person, i am a living human being. i have right under 15 USC 1681 Equifax is goven by 15 USC 1681. and they violated my right numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Mortgage

I placed funds in an escrow account to cover repair expenses after closing on my home. I was advised I could pay for the repairs out of pocket and then be reimbursed from the escrow account that I put funds in before closing by submitting a draw request with receipts/bank statements and Notarized documents from the companies showing that a lien had not been placed on the property. I submitted all the information request yet NACA refuses to reimburse me from the escrow account that I put funds in to cover the repairs. I have reached out to them numerous times regarding this and request that someone from upper management contact me. All tries to resolve this have fallen on deaf ears. I have only gotten I reply that the funds are being applied to the principle of my home which is not what I requested. I want to be reimbursed for the repairs that I have paid twice for, furthermore the funds were not even applied to the loan. This has been going on since XXXX XXXX  2017.
Product: Vehicle loan or lease

I have been financing my XXXX XXXX XXXX XXXX through the Toyota Financial Services since XX/XX/XXXX. Ive been making my payments on the XXXX of every month. On XX/XX/XXXX I made a payment and on XX/XX/XXXX my account was restricted without any notice. On XX/XX/XXXX of XXXX I received a letter from Toyota financial saying as of XX/XX/XXXX my account would be considered paid in full and the title was being released to the TX DMV. On the day I received the letter I called Toyota financial and waited for 30 minutes with no answer, couldnt even leave a voicemail. On XX/XX/XXXX I receive another letter from them saying they were sending a refund check for {$680.00}. I attempt to call them with no response and a full voicemail. On XX/XX/XXXX I called requested a call back, due to work I missed the call, no voicemail with a call back number was made. On XX/XX/XXXX I finally am able to speak to a lady in the financial office. While on the phone with me she realizes they had applied someone elses paid-in-full check payment to my account. She proceeds to ask if I have received the title, which I had not, because they need it back and that they were going to reopen my account. I ask for a manager to explain to me what is going on they said I would have to wait until they got the title which was sent to a XXXX dealership, which I have no relation to. They inform me they will reopen my account once they receive the title. 20 minutes after speaking to them I get a courtesy call, the first since all this happened, from Toyota financial saying they have sent me a check for a {$1000.00} dollars in the mail to not cash it when I received it. On XX/XX/XXXX I check my account online and notice it has been reopened with an additional {$2000.00} added to the amount I still owed before The account was marked as paid in full. The total now is XXXX, when it was XXXX after XX/XX/XXXX of XXXX. I call on XX/XX/XXXX, agent XXXX tells me my account has been pass due since XX/XX/XXXX of XXXX thats the reason my payment has doubled for the month of XXXX. I have my bank statements saying otherwise. I requested to speak to a manager and was told one was not available at the time. There is no statement for the month of XXXX at all especially one thats states my account is pass due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB. Pleas send the documents to Discover bank. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ordered items from XXXX XXXX never received the items XXXX XXXX agreed to remove from credit reports was removed from XXXX  and XXXX XXXX but XXXX never removed it from credit report
Product: Credit reporting

my account with XXXX has been settled. originally equifax had the information correct on my report but then changed it to open with a balance of {$400.00}. it should be closed with a zero balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.
Product: Debt collection

Audi Financial Services ( AFS ) has repeatedly attempted to collect a debt that is not owed. I leased a vehicle with them in XX/XX/XXXX and returned it in excellent condition in XX/XX/XXXX. No payments were missed and all fees had been paid. 

In XXXX, I was notified by XXXX XXXX XXXX that they were attempting to collect a debt owed to Audi Financial Services in the amount of {$810.00} in association with the leased vehicle. When I requested a bill showing the owed amount from AFS, I received a bill showing the amount of {$1000.00} being owed, with NO explanation of what it was for. 

Several conversations took place with XXXX XXXX XXXX in order to determine the source of the debt. On 3 separate occasions, I was told 3 different reasons for the charge. 1. Excessive wear and tear at time of turn-in. 2. Disposition fee. 3. Personal property tax owed. 

I requested a complete ledger from AFS via XXXX XXXX XXXX, which I was provided ( see attached ). The ledger covers dates from XX/XX/XXXX through XX/XX/XXXX reflecting total charges of {$33000.00} along with payments of {$33000.00}, leaving a XXXX XXXX through XX/XX/XXXX. Clearly, there should have been a balance on the ledger if there was anything owed. I indicated this to XXXX XXXX XXXX and they ceased communication. 

Just yesterday, on a letter dated XX/XX/XXXX, I received another debt collection letter from a new company, XXXX XXXX XXXX XXXX, in an attempt to collect {$810.00} on behalf of Audi Financial Services. 

At this point, I have dealt with this via numerous phone calls and have proven that there is nothing owed on this account, yet I continue to receive more letters and phone calls. I feel as though I am being harassed and have tried everything to get them to stop. This car was turned in over 5 years ago, in excellent condition, and with NO BALANCE DUE!