23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My late husband was an inpatient for a week at XXXX XXXX XXXX in XXXX California. This occurred in XXXX. He had arranged to make payments to the XXXX XXXX XXXX Billing Department and was making payments. He died on XX/XX/XXXX and I, his widow, tried to make payments. I have been having a hard time doing so. I was contacted by Progressive Management Systems XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX to pay the bill ( which increases due to interest rates ). I tried to negotiate a settlement with PMS but they said XXXX XXXX XXXX does not accept settlements. We are all having problems during this COVID crisis. I found out that due to California law I have to pay this debt. This collection agency is being hard nosed about working with me. I can't make the 3 monthly payments they demand ( {$510.00} ) with a {$2000.00} down payment. The bill is {$3400.00}. I don't want my credit ruined by this collection agency. These people won't work with me. I need your agency 's help with this matter.
Product: Vehicle loan or lease

Re : Dishonor of Private Conditional Acceptance Presentment This is a notice to inform XXXX XXXX XXXX, and principals of XXXX XXXX XXXX. ( Hereinafter Respondents ). Respondents are in Dishonor and Default for refusal and failure to respond and rebut XXXX 's presentments titled, Private Conditional Acceptance and Offer to Cure, in the form of an Affidavit, dated XX/XX/XXXX ( hereinafter Presentment ). Respondents were " Privately Noticed '' and given allotted time to respond by rebutting XXXX 's Conditional Acceptance and Offer to Cure with specificity and fact of law under the penalties of perjury pursuant to 28 U.S. Code 1746 in the form of an affidavit. Ninety ( 90 ) dats have lapsed since Respondents have been in possession of said XXXX, and Respondents have refused and/or failed to rebut said XXXX in the allotted time and specified manner therein. On XX/XX/XXXX, principals and agents of XXXX XXXX XXXX XXXX,. XXXX XXXX XXXX,. and XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada ( Hereinafter ) deceived Affiant ; a private consumer into endorsing an unconscionable contract ( see XXXX XXXX ) for the purchase of a XXXX XXXX XXXX XXXX which Respondents willfully, falsely, and knowingly purported to be safe, and in compliance with U.S.C. 49 30116 et seq,. and the applicable mechanical, safety standards and regulations of the state of Michigan and state of Nevada. XXXX XXXX XXXX XXXX, and sales representatives of XXXX XXXX, both doing business in the state of Nevada wantonly, falsely and deliberately publicized deceptive advertisements which purported the " XXXX XXXX XXXX XXXX could travel 259 miles on a full charge '', was " Mechanically Sound '' " Eco Friendly '' and " Safe '', These deceptive public announcements and false advertisements was the centerpiece of XXXX XXXX XXXX, and its franchisees ' marketing campaign to garner sales for said vehicle. Considering the public announcements by Respondents, XXXX was deceived into to trading in a XXXX XXXX XXXX and paying a substantially higher price for the purchase of a XXXX XXXX XXXX XXXX, at a price gauging note approximately {$710.00} per month that Respondents knew was unsafe, prone to ignite into fire, and mechanically defective from the onset. Said actions by Respondents are in clear violation of a litany of mechanical and safety standards pursuant to United States Codes, including violating Deceptive Trade Practice statutes pursuant to State of Nevada Statutes ; 598.0903, et seq. Since reviewing models of the XXXX XXXX XXXX XXXX on television and internet completely burned, or on fire, I have since been filled with anxiety, suffer from psychological duress, and have no peace of mind every time I attempt to enter into XXXX XXXX the XXXX XXXX XXXX XXXXXXXX for XXXX of it catching fire, my family and I being injured or killed.
Product: Credit reporting or other personal consumer reports

Consumer name XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX accounts XXXX  XXXX XXXX {$590.00} XX/XX/XXXX, XXXX XXXX XXXX  XXXX {$860.00} XX/XX/XXXX, XXXX XXXX  XXXX {$830.00} XX/XX/XXXX, XXXX XXXX  XXXX {$870.00} XXXX XXXX, XXXX XXXX  XXXX {$130.00} XX/XX/XXXX, XXXX XXXX XXXX {$480.00} XX/XX/XXXX, XXXX XXXX {$25.00} XX/XX/XXXX XXXX  XXXX {$450.00} XX/XX/XXXX, XXXX XXXX {$410.00} XX/XX/XXXX, XXXX XXXX  XXXX {$260.00} XXXX XXXX, XXXX XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX, XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX {$790.00} XXXX  XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 Albert automatically deducted {$100.00} from my checking account. There was no notice given to me this was going to happen. The amount owed was {$98.00} so I am unsure why {$100.00} was taken from my bank account. This caused my bank account to be overdrawn. The app also did not provide any information that Albert would be processing an automatic payment on XX/XX/2024. I was out of town during this time. When I returned I contacted the company on XX/XX/2024 to request closure of the account. I was told I could not close the account until my balance was XXXX. I emailed a copy of my bank statement that showed the {$100.00} payment cleared my bank on XX/XX/2024 and they would not accept it. I was told I needed to allow 2-6 business days before I could access instant cash. I told the rep I did not want instant cash, I want to close my account. I also requested to revoke any automatic payments and membership fees and the rep also told me that can not be processed until my balance is XXXX. On XX/XX/2024, I checked my account and it now shows I have a credit of {$3.00} ( makes sense since I only owed {$98.00} and Albert deducted {$100.00} from my bank account ). I requested closure again. I was now informed I need to link my bank account and withdraw the {$3.00}, which will take another 2-3 business days, before I can close my account. I requested Albert to send me a check for the surplus of {$3.00} since I did not understand why the company took more out of my bank account than I originally owed. This company still refuses to close my account or stop charging me {$14.00} in fees. They said they will continue to automatically deduct from my bank account even though I have requested numerous times I no longer give my authorization.
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of c
rimes 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

I made A payment to Barclays on XX/XX/2022. It posted in the amount of XXXX for business travel on XX/XX/2022. This morning I wake up and see in my checking account a pending charge for another XXXX to Barclays that mirrors my original posted XXXX. I call My checking account bank XXXX XXXXXXXX XXXX and they confirm it is Barclays pulling a duplicate payment. I did not put another payment in. I call Barclays and they basically say yes we know. Meanwhile they have basically locked my checking account down because its showing a negative balance with the pending charge. Nobody from Barclays seems to know anything other than theyre aware and its happening to many customers. Zero help no why or when it will be fixed.
Product: Credit card or prepaid card

I purchased a sofa bed online from XXXX XXXX XXXX/XXXX XXXX  in XXXX of XXXX in the amount of {$2900.00}. The company attempted delivery of the couch in XXXX of XXXX but the couch would not fit on the building elevator so it was returned to the warehouse. From the date of purchase in XXXX until the delivery date I was making payments on this couch. These payments amounted to about {$320.00}. One payment was made on XX/XX/XXXX in the amount of {$200.00} and the other payment was made on XX/XX/XXXX in the amount of {$120.00}. I may have made other payments besides these two payments. 

After dealing with XXXX  XXXX XXXX/XXXX XXXX on the phone I got so exasperated by their incompetence I went down to the local XXXX XXXX XXXX store and canceled the purchase for a refund. The Supervisor at the store canceled the purchase over the phone with XXXX XXXX and requested a full refund. 

When I received my statement from XXXX XXXX   immediately following the cancellation of this order I saw that I was credited back the purchase price of the sofa bed ( {$2900.00} ) but not the payments that I made between the time the couch was ordered and its the cancellation date, these payment were for approximately {$320.00}. 

I contacted XXXX numerous times via the phone in an attempt to resolve this but was met by only extreme frustration. I also filed a written dispute with XXXX XXXX but have not been able to resolve this issue. XXXX seems totally incapable or totally unwilling to resolve this problem. 

I demand the refund in the amount of {$320.00} for the payments I made between the date I purchased this sofa bed and the date I canceled this purchase. 

I have attached 3 XXXX Credit card statements showing these 2 payments ( {$320.00} ) I made and the refund amount ( {$2900.00} ) minus the credit for {$320.00} that I am entitled to.
Product: Credit reporting 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 : XXXX  XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has XXXX XXXX rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following and attached is further proof of Chase card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached. When researching, I found much more including many civil lawsuits. XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXXXX/XX/XXXX2 XX/XX/XXXXCards ending XXXX & XXXX, XXXX XXXX, Chase, my identification, and files including XXXX XXXX, XXXX XXXX XXXX Mobile Phone account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was completely destroyed in XX/XX/XXXX with 32 of water from Hurricane Harvey affecting me for years and still is affecting me. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife and impersonation. The fraudulent bounced Chase One payments that allowed the credit limit to be wrongfully exceeded were not authorized nor due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. My credit report information reflecting Chase is not correct.
Product: Mortgage

I had my mortgage through XXXX XXXX and they sold my loan to homepoint financial.they sent me notification on this and once it got switched over my mortgage payment raised from XXXX per month to XXXX.thought at first they put a second homeowners insurance policy due to the fact my homeowners didnt get faxed over or whatever the case may have been but after talking to my insurance agent that wasnt the case.iv been trying to contact them daily for the last month and a half.have NOT received a call back or even an email back what so ever.the only person Ive talked to was in the insurance department and they keep transferring me to a different department because apparently they cant tell me why my mortgage has raised that much while having a fixed interest rate.once transferred they wait time has been anywhere from 15m-30m wait.iv sat on the phone for HOURS waiting after a few hours the phone just hangs up.no one there will talk to me about it or even email me about it.in the month and a half of trying to get ahold of them i have yet to hear a word back on this topic.in the mean time iv had my insurance agent re-fax my homeowners policy to them and i know they have gotten it.so now idk what to do other then this which was suggested to me through my original mortgage lender.i have all emails and all phone call records on hand just am not able to attach them for some reason.
Product: Mortgage

We closed on a 203k Loan in XX/XX/2016. All repairs were to be completed within 6 months. 
Weve had 3 different Contractors in the House for nearly 2 years now! Weve been making a mortgage payments on a fully completed project for 2 years and the project is not completed The HUD inspector never actually looked at the Contractors work ( which he is paid to do ) therefore, Contractors were paid on bad work .. ( floors ruined, ceilings leaking, sloppy unprofessional work.. horrible tile, items left in property.. just total disregard for the consumer We had to pay for 90 % of the materials out of pocket even though it was covered in the 203 k! 
Someone needs to be held accountable Can you help us please
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX : Account Number : XXXX BALANCE {$1500.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX : # XXXX {$180.00} XXXX XXXX XXXX  : # XXXX {$65.00} XXXX XXXX XXXX  : # XXXX {$1100.00} XXXX XXXX XXXX  : # XXXX {$730.00} XXXX XXXX XXXX : # XXXX {$290.00} XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX # XXXX {$110.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I went into the bank after depositing a check for {$500000.00} and {$6000.00} to finance a transaction for a vehicle, I also had a letter of credit for security collateral and a finance statement from the Secretary of State to update my files and to begin consumer transactions. I was immediately denied and told that Regions Bf its Affiliates does not provide those types of services. She them called the police on me and had me wrongfully arrested. 

I have documents for regions, the federal reserve, FDIC, Comptroller of Currency, SEC, and the Treasury. I authorize you to send those documents to those agencies.
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 account on my Credit Report. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives reason to immediately correct the account on my credit report. I haven't heard any response from Transunion and it made me lose my patience.. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I need the account corrected XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The alleged bankruptcy listed on my public record report is listed with no information the specifies that this bankruptcy belongs to me. Furthermore, the bankruptcy court of Pennsylvania has confirmed they do not share personal information with Any reporting agency. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens MO 281 SW 715, 719. I presume no proof of the alleged bankruptcy, therefore any such debt, in fact exists.
Product: Debt collection

The owner of XXXX XXXX XXXX XXXX offered a 12 month membership for the cost of 6 months if paid in full. I paid the amount on XXXX XXXX, 2015. The owner closed the business on XXXX XXXX, 2015. I disputed half the amount with my credit card company since I was only able to use the gym for less than 6 months, being that the owner was in breech of contract of the 12 month deal. I feel I was deceptively charged since owner knew he was closing gym in 6 months time as evidenced by the realty company filing an eviction suit against him for non-payment of rent, and settling with him on XXXX XXXX, 2015. My membership was cancelled and I was then sent to collections one week after the gym closed for triple the amount I disputed with my credit card, which is still being investigated. The owner has done the same thing to many other members of the XXXX XXXX gym, and XXXX other gyms he has abruptly closed in the past year. I 've also received immature, nasty emails, texts and messages on social media from the owner. My credit card company recently called me and informed me that the owner rebutted my dispute by saying he was still open for business and I cancelled my membership. I have to now prove that he is indeed out of business to my credit card company. I have several letters proving that XXXX XXXX XXXX XXXX is closed and has been since XXXX XXXX, 2015. Also, new memberships were sold to people after the settlement date with the realty company on XXXX XXXX, 2015, which is fraud since he knew he 'd be closing the gym on XXXX XXXX, 2015, permanently.
Product: Mortgage

My mortgage fell behind due to unemployment. While applying for a mortgage modification,  XXXX  sold my defaulted lo an to Midland Mortgage/ Midfirst Bank . I then immediately began the modification process with Midfirst. I was told that they had received all of my documents for the modification. After a couple of weeks of waiting to hear about modification options, Midfirst s ent me a document stating that they have not received all of the documents for consideration of a modification. On the same day I received a notice that they 'd submitted my mortgage to an attorney for foreclosure actio n. Attorneys  filed to foreclose on my property on  XXXX   XXXX ,  2017 , without any consideration of a workout plan. I have been trying to apply for a modification and resubmitted my entire application online, but I am still getting notices in that they have not received all of my documents. While their online portal reflects that those documents have been received.