23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio send me a refund check from my escrow account. I did n't cash the check for over a month but when I did select portfolio cancelled the check. My bank charged me XXXX for a bad check. I called Select Portfolio after a 40 minute run around they said they did cancel the check. They could n't tell me why I was n't notified but stated if I faxed over the document from my bank they would reimburse me the XXXX. That was back in XXXX. When I call they just blow me off and say they are working on it.
Product: Vehicle loan or lease

I had a car loan with CarMax, which I paid off back in XXXX. It was overpaid by over {$200.00}, and I also cancelled the Gap Insurance and was supposed to be refunded over {$500.00}. I have called the company numerous times, and they always reassure me that I would be getting my check in the email. Unfortunately, this has not happened even though I have checked and rechecked my mailing address with Carmax.

I want to receive my money back. This is unfair and predatory lending. They used to charge me high interest rates when I had an active loan, and I was ever late the fees assessed to my account were outrageous. They can keep and retain your money but if you owe them, they charge you a lot.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Account XXXX Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Equifax did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, Equifax also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because Equifax failed to correct the information the first time, or because Equifax reported information that had previously been corrected. Equifaxs policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, Equifax reported credit information that it should have blocked because the information resulted from identity theft.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, theEQUIFAX, block information appearing on my consumer report that is result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX
Product: Debt collection

I received a letter from CACH , LLC -they are collecting on behalf Resurgent Capital Service , L.P.- a old loan from XXXX XXXX XXXX XXXX XXXX. Me and my family are trying to get this account resolve but we just don't have enough money to pay in full. When I contacted the Collector CACH they told me this new trade line in my credit report will destroy my credit and probably they will have to suit me, I can't handle the situation so after some weeks my husband called the collector because we don't want to get involve in a law suit.

My husband made a settlement offer in order to get this resolve but was declined for the collector, and after some weeks he made a different offer but it was declined too. We know for fact that this account is over 5 years and under California Law this collector may not be able to file a law suit against me. I sent a request of validation of debt with a new settlement offer to the Resurgent Capital Service mailing address ( XXXX XXXX XXXX, XXXX, SC XXXX  ) on XX/XX/2019 but never received a response back from this collector. My husband called and the collector said they never received, so I mailed the same request to the same address on XX/XX/2019. Now in XX/XX/XXXX my husband called asking for a response of my request but they representative said for second time that they never get it, but verified the mailing address. My husband asked to the representative if he can forward a settlement offer to the owner of the debt ( Resurgent Capital Services ) but the representative just won't.

I just want to get this resolve and I don't want to get suit, but I want to be sure that the debt buyer and the collector are have the right to suit me or not.
Product: Credit reporting

Disputed the XXXX bankruptcies showing on my report. Equifax deleted the XXXX bankruptcies and later the same day placed them back onto my report. No five day notice received informing me of the lines being added back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have an account with this company ASCENDIUM EDUCATION. My loans have been settled from XXXX and the only loan I have is a private with another l lender. 

This company ASCENDIUM EDUCATION has never been in contact with me via mail or phone. I've disputed several times and the credit agencies are not investing properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX with XXXX  XXXX XXXX XXXX Account # XXXX with XXXX  XXXX XXXX XXXX Account XXXX XXXX with XXXX  XXXX XXXX XXXX Account XXXX XXXX with XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting

I am a victim of identity theft. My wallet was stolen with all my personal documents. I reported the incident to the police and received a police report. on XXXX 2016 I noticed that there is information on my report that do n't belong to me. I filed a police report for that too. I sent all the documents to the credit bureaus XXXX, Equifax, and XXXX XXXX. the credit bureaus removed almost all the fraud accounts. Equifax is still reporting XXXX fraud accounts even due XXXX and XXXX XXXX deleted them and I did proof that it 's not mine by providing them with my XXXX police reports. Equifax is ignoring after I sent them everything they need as I was told by the FTC. I really need your help to resolve this matter.
Product: Prepaid card

I have an AMEX prepaid gift card with {$500.00} on it, and have been unable to use it anywhere. AMEX is refusing transactions with so many vendors, both online and in person, the card is a ripoff and American Express is stealing the funds on it. This situation is unbelievable and irresponsible on the part of AMEX.
Product: Mortgage

Filed for a loan modification in XX/XX/XXXX with OCWEN Loan Servicing. I was 2 payments behind and they already denied other remedies for the problem and told me I had to apply for a loan modification to fix this problem. I was ask for documents over and over and over again. I would send more documents and they would ask for more and more. I would try and talk to " Relationship Manager '' and she was NEVER available and was told it would be 3-4 weeks even with an appointment. Waited for calls and they would do nothing except for tell me that I needed more documents and say I did not send then. I have emails to prove the documents were sent. They ask for my ex husbands signature even though the loan had already been put in my name only years earlier, I was told there was nothing I could do except get his signature because his name was still on the loan. ( It was not ) They foreclosed on my home while waiting on the loan modification. My foreclosure was overturned in the middle of XX/XX/XXXX and I was told they were still working on the problems And I would be receiving a letter on what I needed to do. 
I received a default letter a couple of weeks ago and I called XXXX XXXX that has been working the problems on my case and I was told they were NOT forclosing on my home and that she was sending an email to XXXX XXXX XXXX my relationship manager and ask her to call me about what I needed to do to get this issue fixed. I told XXXX XXXX I wanted to keep my home and I still needed the loan modification! I told her I would start making payments but I did n't want to make payments on a house they were foreclosing on! I just needed information on what I need to do to get this fixed! 
Today XX/XX/XXXX I received another foreclosure letter, foreclosing on my house for a second time from attorney XXXX and XXXX, XXXX. ( See attachments ). Since I never heard anything from XXXX XXXX I sent emails with new paysubs, bank statements, lien release on my car. Everything I thought they might possibly need, even though I have not received another letter, or phone call! I received confirmation they received them. I did not get any follow up email, letters, phone call about my loan modification again! The only reply has been foreclosure papers!!!!! 
Please, please, please help!!!! I do n't know how to deal with this company that will not respond!!! They sent a letter to Oklahoma Attorney General in mid XXXX turning around their demand for a signuture of my ex-husband that I had told them since XXXX they did n't need and ask them to look into this because it was wrong. I was hung up on, told to send documents I had sent over and over again, then told they are old now and I have to start over, then when I would get upset I was hung up on, told I was wrong, I would beg them to just actually look at the documents that I had sent and they would see that I had sent them what they needed, and that it would be weeks to make another appointment! 
I NEED SERIOUS LEGAL HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report was really low within last couple months, base on my payment history since i never had late payments or delinquents account. After reviewing my hard inquiries reported i notice there were 2 lenders ( XXXX XXXX, XXXX mortgage, both lenders currently have no relationship with me ) that reported at least 4 unauthorized hard inquiries for 3 credit bureaus ( Experian, XXXX, XXXX ). I already contact them by phone, made online disputes and sent letters to this 3 bureaus, lenders and haven't resolved this fraudulent issue.
Product: Debt collection

I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX  XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX XXXX   which does not validated a copy of bill does not substantiate debt
Product: Credit card or prepaid card

I just finished paying off my store credit account which had " 18mth no interest '' which was actually 18mt differed interest ( not disclosed at time of application ). In store at time of application for the store credit I was offered " 18month no interest ''. I was told no penalty if paid early and if I go past the 18 month, interest would only apply to the remaining balance like usual credit card promotions. To my surprise after paying what I thought would be the last payment at the 19th month mark I was charged the full 18months worth of interest. At no time in store was a deferred interest account discussed. And the company has refused to remove the charges because it was supposedly stated that I would be charged the full 18 months interest on my monthly statements. It did however state the deadline and that if I did not make the deadline i may be charged. But in store I was told no charges so why should I have been concerned? False application process, and unclear statements in regards to this promotion. ( in the image attached of the documents I was handed, you can clearly see by the lack of my signatures and completed info that this information was not clearly conveyed at time of application or in the attached pdf statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Acct # XXXX According to XXXX and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and XXXX on numerous letters ( Please see attached letters and their responses from XXXX  ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to XXXX any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, XXXX has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by XXXX  and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Product: Debt collection

I was notified via letter on XX/XX/20 that Winn Law Group would be garnishing my wages by 25 % beginning XX/XX/20. I called them immediately on the XXXX, I got an approval to settle the debt in whole for {$1600.00}. I went to the bank immediately, procured a cashier 's check, & XXXX overnighted the check. The check was received on XXXX PST on XX/XX/20. Today, my check from work was garnished anyway. When I requested assistance from the company for seizing my assets after they settled my debt, they told me they had done their job and would not assist me in recouping my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has been incorrectly reporting the balance of a prior loan on my credit report in the amount of {$8400.00}. They have been reporting the incorrect amount owed. Plenty of notices have been sent to them to dispute this issue and they have still not corrected this. Reporting false information, which in this case is misrepresenting the amount owed on a loan, a violation of FDCPA. Also, they translated that misinformation to a 1099-C. The loan balance that they have been reflecting on statements for over a year now is {$8300.00}. Filed a FDCPA complaint on XX/XX/2019 and received a response XX/XX/2019. In that response, they noted that XXXX XXXX spoke with me regarding this matter. That is incorrect. We spoke regarding a separate complaint regarding my credit card and trying to have the late fees waived. No one from USAA has reached out to me regarding this matter and they are falsifying communication records between them and myself with their last statement to the FDCPA for complaint # XXXX. I attempted to email XXXX XXXX on XX/XX/2019 as well as this evening. 
USAA is continuing to report false information. 

They changed my payment history on this account after three years on my XXXX report on XX/XX/2019. Also, my complaint submitted XX/XX/2019 # XXXX has inaccuracies in their response. Their representative XXXX XXXX did not contact me about two CFPB disputes. On XX/XX/2019 she contacted me solely about my closed credit card account and the dispute related to that account. This account and the corresponding dispute was not mentioned. Also, they advised to contact XXXX XXXX, but I have already tried on multiple occasions with no success. 


On XX/XX/2019, XX/XX/2019 and XX/XX/2019 I emailed USAA to complain about XXXX XXXX reporting to the CFPB that she contacted me regarding the account when in fact she did not. They have yet to respond. The call that took place on XX/XX/2019 needs to be pulled so they can see that XXXX XXXX blatantly lied in her original response to the CFPB on XX/XX/2019. The email included XXXX XXXX, XXXX XXXX and XXXX XXXX. On XX/XX/2019 XXXX XXXX sent me a communication via the USAA application with his direct extension, XXXX. On XX/XX/2019 I responded asking for a good time to call. On XX/XX/2019 XXXX XXXX responded with his office hours. On XX/XX/2019 I called, left a voicemail, as well as sent a message via the application. On XX/XX/2019 I called, left another voicemail and sent another message via the application. On XX/XX/2019 XXXX XXXX responded that he was out of the office when I had contacted him previously and will return XX/XX/2019 at XXXX a.m. On XX/XX/2019 I sent a follow-up message on the application. On XX/XX/2019 I called, left a voicemail and sent another message on the application. Not once did I receive a call from XXXX XXXX or any other representative of USAA for this previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX  I was emailed to make my payment to Capital One. The payment is due on the XXXX of the month. I tried the night of the XXXX to make this payment online. Upon trying to log in my account was locked. I contacted Capital One to attempt to make a payment. I was told that I was a Authorized user and not the primary therefore I had to control of the anything. 

On XX/XX/XXXX I was emailed from Capital One informing me that my payment was late. I attempted to make this payment on multiple occasions. I was informed everytime I wasnt the primary user. If Im being contacted to make payments but not allowed to make payments. I have a serious problem with this. 

Fast Forward to todays date. XX/XX/2022. I was emailed by my credit reporting agency that I had a delinquent account on my credit report due to late payment. AFTER multiple attempts to speak with someone to pay my {$25.00} minimum payment. I was finally able to pay what they are say is now {$60.00} dollars on my account. 

I share this account with my husband and we both have been using these cards for a while. I now have paid a late fee and have delinquent remarks on my credit report. I would like for this to be corrected in my credit report. As I am also taking steps to see what I can do to have Capital One correct their mistake. During this entire encounter I was never helped to unlock my online account.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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. 


Account Name : XXXX XXXX XXXX  Case Number : XXXX Account Name : XXXX XXXX XXXX  Case Number : XXXX Account Name : XXXX XXXX XXXX Case Number : XXXX has violated my rights. Or 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: Debt collection

I received a letter from Unifin , Inc., dated XX/XX/year>, and another sometime in XXXX, I believe, offering three different settlement amounts, which I was unaware of until after receiving a phone call in late XXXX from one of your representatives extending a different settlement amount. I wasnt aware of who you were and still am confused. When I received a few text messages, one on XX/XX/XXXX from your company, I thought, is this a scam? At that point, I responded that I declined to pay. The next text came on XX/XX/XXXX ; I guess I missed that one, but on XX/XX/XXXX, again, I declined to pay. This brings me to where we are now ; Im requesting all your documentation, which gives you the authority to collect this debt from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX persistently misrepresents my information to all three credit bureaus. Despite notifying them that the reported account does not belong to me, they closed the account but inaccurately labeled it as " closed '' on my credit file rather than removing it. Furthermore, XXXX XXXX reports an address they know is not mine and potentially was used to open the fraudulent account. XXXX XXXX has also refused to provide me with a copy of the signed credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYCB/ JC Penny is reporting an erroneous late on my credit file for the month of XX/XX/2020. The balance on this account was paid a month or two prior, so there's no way I could have a late for XX/XX/2020. I am requesting proof and more information about this. I was not late and it needs to be removed off my credit file.