23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I opened an XXXX XXXX Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The LLC became insolvent, and XXXX XXXX called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing XXXX XXXX agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. Equifax, is still being told that " it 's my debt '' by XXXX XXXX even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit. How can they continue to report this with no supporting documentation from XXXX XXXX even though they HAVE documentation from me proving that it should be removed? How can they say " they have no control '' over what they report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX {$500.00} XXXX  XXXX {$0.00}
Product: Vehicle loan or lease

This is a follow-up to complaint XXXX. 

I am reasserting that I did not approve or sign any loan documentation in reference to XXXX XXXX XXXX # XXXX. 

I am attaching a notarized letter from the loan applicant, XXXX XXXX, stating that I did not co-sign for this loan.
Product: Credit reporting or other personal consumer reports

I obtain a forbearance from Carrington Mortgage in XXXX of 2023 due to water damages to my home as a result of hurricane XXXX. Insurances companies have been cancelling home owners policies for no cause, I was already paid a high premium. I reached out to the lender for help. I could not live in the home due to window and flooding damages. I chose to make the needed repairs myself. I was approved for 4 months of no payments without penalties-late charges or reporting to credit bureaus. 

Additionally, I experienced a person tragedy-my only son was critically sick in a coma in ICU from a XXXX shot wound to his face. Unfortunately, like XXXX of young Americans he did not have health insurance. I was force to fight to save his life by paying for a lot of his health care. 

I request that Carrington put the outstanding amount to the back of the loan-they refused. I was told that all outstanding payments must be brought current. This was the only option. I spoke with several representatives from the loan department- at no time was i told that the forbearance will be negatively reported. 

I took money from my retirement fund and made the full payment-bringing the account current. I called several times and spoked with represents I subsequently made ALL payments on time until the selling of said property in XX/XX/2023. 

I was appalled to find out that XXXX report me as being late for XXXX days. This has negatively impacted my credit. This is unethical and wrong! Must I be penalized for the next 7 years? 

I am respectfully asking for assistance in expeditiously resolving this issue.
Product: Credit card or prepaid card

XXXX has automatically enrolled my card to " protection '' that charges XXXX dollars a month. I never signed up for this protection. After research o came across many people having this issue. Apparently XXXX is automatically signing you up for a protection. I came across it as I asked my self why my bill has not lowered that's when I noticed the fee. I've payed more for that " protection '' than what I actually owed. XXXX dollars. Since XX/XX/2009 I never actually checked because I trusted to just be paying the minimum. I called the card protection and cancelled, but XXXX   should not be doing that, they should be giving the money back at least a percentage of it.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was hocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. XXXX and XXXX account number : XXXX alleged balance {$670.00} XXXX and XXXX account number : XXXX alleged balance {$820.00} 15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for any XXXX  credit card I already contact them and told them i never applied with them
Product: Credit card or prepaid card

The credit card agreement and explanation from company is contradicting. When I questioned how they arrived at the fees and interest, the company gave me this explanation : Per the terms of your cardmember agreement, if the total minimum payment due is not paid by the payment due date ( which is the XXXX of each month ) a late fee may be assessed of {$28.00}. If a late fee has been assessed within the last six billing cycles, a late fee of {$39.00} may be assessed. 
As required under regulations, the dollar amount associated with a late payment can not be assessed which exceeds the amount required in the minimum periodic payment. As such, the late fee assessed for XX/XX/2022, XX/XX/2022, and XX/XX/2022, were {$28.00}, {$27.00}, and {$37.00} respectively. Please note that your cardmember agreement is available at any time at. 

My response wasThank you for your response. Your explanation of the late fee accessed does not justify the amount of {$27.00} and {$37.00}. Neither amounts are {$28.00} and {$39.00}. It appears that avant arbitrarily picked those numbers. 

I tried for several months to resolve this issue with company and it is misleading to a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 

I request all ( 3 ) disclosures from ALL LISTED companies TO BE MAILED TO ME IN WRITING! 

If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Debt collection

CASHCALL IS REPORTING AN ERRONEOUS ACCCOUNT ON MY CREDIT REPORT. When I requested validation of this account they provided a contract that had NO signature of mine and could not prove the ownership of this account. This is NOT my account I never applied or received money from Cashcall especailly for a loan at {$310.00} ...
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 15USC1681 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, XXXXXXXX XXXX XXXX # XXXX, # XXXXXXXX XXXX XXXXXXXX : # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( A ) ( 5 ) 15 USC 1681s-2 ( a ) ( 1 )
Product: Money transfers

Paypal offers a purchase protection. I purchased a new ultrasonic cleaner on eBay and paid with Paypal. The item was dead on arrival. I contacted eBay and they told me I am covered under Paypal 's purchase protection. I checked the policy and I saw that I qualify for protectin under their policy. I called them and they filed a claim. However, they denied my claim. When I called back, they said they need the proof that the item was broken when it arrived. I told them I have the dead item and could send any proof they need ( e.g. the item if they want, a video, etc ). They said they will file a appeal and will tell me what proof to send. However, they have denied it again without specifying what kind of proof they need. It seems like Paypal 's Purchase Protectin is a scam. They keep filing and denying you for no good reason until you give up. In this case, have a dead item that I paid full price for trusting I was covered if things go wrong and now have no recourse. Paypal are not standing behind their promise. 
I expect Paypal to stand behind their Buyer 's Purchase Protection. It states they 'll reimburse for the full purchase price plus any original shipping costs. This is a seller that they have certified and if they are fraudulent they need to deal with directly. I placed this order based on the fact that I would be covered if things go wrong.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer 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, XXXX, XXXX, and Experian, the credit reporting agencies, 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 personal credit cards opened with XXXX XXXXXXXX XXXX XXXXXXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened with XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, A utility account with XXXX opened on XX/XX/XXXX under the account number XXXX, and a collections account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer FICO credit report. 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 number : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$8500.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$610.00}
Product: Credit card or prepaid card

I opened American Express XXXX card on XX/XX/XXXX, and there was a promotion for new card holder the applicant will receive XXXX membership rewards points after spend {$5000.00} on purchases on my new card in first 6 months. Plus, I would earn 10x points on eligible purchase on my new card at U.S. gas station and U.S. Supermarkets. by deadline date of XX/XX/XXXX, I spend qualified purchase total {$5300.00} but did not see neither the XXXX bonus points nor the 10x points on gas station or supermarket reflected in my account ( see attachment 1 : Amex promotion screenshot ; attachment 2 : Not receiving 10x points on supermarket or gas station purchase ; attachment 3 : Amex Platinum Card Activity History XXXX to XXXX, this does not include membership fee, payment, credit but does include refund as negative balance ). 

On XX/XX/XXXX, I contacted Amex online chat and been advised that I need to spend {$560.00} more by XX/XX/XXXX to meet welcome bonus spending requirement, and from XX/XX/XXXX to XX/XX/XXXX, I made total {$880.00} amount of purchase. ( see attachment 4 : Amex XXXX Evidence ) On XX/XX/XXXX, I contacted Amex online chat again and been advised that I need to spend {$140.00} more by XX/XX/XXXX to meet welcome bonus spending requirement, and from XX/XX/XXXX to XX/XX/XXXX, I made total {$460.00} amount of purchase. ( see attachment 5 : Amex XXXX Evidence ) On XX/XX/XXXX, I contacted Amex online chat one more time to check my spending balance. At the beginning, Amex representative was saying that I am {$13.00} short, but after I questioned that, he confirmed that I have met the spending requirement and will get my welcome bonus points unless any refund or return payment, and there was no such transaction happened during that period. ( see attachment 6 : Amex XXXX Evidence ) The whole time I have been following whatever info Amex advised to me but did not get bonus points as promised. So far I have contacted Amex customer service via online chat and phone for over 20 times, and they keep promising wait later and they will credit, last time they said by XX/XX/XXXX I will see all these points being credited to my account, but when I checked on XX/XX/XXXX those points are still not in my account. I contacted Amex again and they refused to credit me because I did not meet spending requirement ( which is completely not true ), but when I ask for details they could not provide any. 

At this point, I'm afraid keep connecting with Amex will not solve this issue and I want to file this complaint instead. Thank you very much. 

XXXX XXXX
Product: Vehicle loan or lease

I refinanced this vehicle with XXXX XXXX XXXX XXXX. The sent me a payoff check to forward to NMAC. They claimed they never received the check. XXXX XXXX stopped payment on that check and sent me a second payoff check which I forwarded to NMAC this time via XXXX  with tracking. XXXX tracking shows the check being delivered to NMAC. As of today, XX/XX/XXXX  NMAC again says they have received no such payoff checks. This Is 2 payoff checks that they have now lost while my late payments are accruing and my credit score is taking a hit.
Product: Debt collection

Phoenix Recovery group has been attempting to collect an inaccurate erroneous debt since XX/XX/2018. I have contacted them multiple times since XX/XX/2018 to get an explanation of the debt or for them to atleast correct the balance but to no avail they refuse to update or delete the inaccurate account from my credit report for XXXX or XXXX. The original creditor was paid out {$2400.00} as per a settlement agreement reached in XXXX county civil court on XX/XX/2018. Phoenix recovery group insists that there are no records of this even though I have the court documents and receipts of payment they refuse to take into consideration. Also I have disputed this account with all 3 credit bureaus as an inaccurate account and Phoenix recovery continuously responds with " Account information disputed by consumer, meets FCRA requirements '' I believe no due diligence is being taken on their behalf and this is negatively impacting me by preventing me from obtaining credit and renting or buying a home
Product: Debt collection

MCOT debt collecting agency XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Tel XXXX XXXX ] XXXX XXXX, Attorney XXXX XXXX XXXX, Violating FDCPA, [ Fair  Debt Collection Practices Act ] A Scavenger Debt Collector, illegally buying up old debt, Out Of Statue, and collecting over and over again, .I was first garnished for a hospital bill from XXXX, In XXXX they took, {$2900.00} from my paycheck and then stopped the garnishment before it was paid in full, This left me thinking it was paid, so they could come back 11 years later to add all these bogus charges, Interrest {$1300.00}, Judgement costs {$50.00}, Attorney fees {$200.00} and then another bogus {$660.00} for garnishment Costs and do this over and over to the citizens, Way out of the 6year Statue Of Limitations, It is an illegal act and can be sued in Federal Court for " MaliciousProsecution, '' Which im in the process of doing, Also turn in the attorney to  the Tenn State Barr Association , Attorney General complaint, In XXXX and XXXX. We have a law which protects us from being sued out of the STATUE OF LIMITATIONS.In this case, XXXX bill being garnishe for the second time in XXXX!
Product: Credit card or prepaid card

I was charged {$7.00} interest on XX/XX/2022 in the statement closed on XX/XX/2022. When I called credit card company on XX/XX/2022 and inquired about the interest, I was told above interest pertains to the foreign transaction fees ( total {$63.00} ) posted in the statement closed on XX/XX/2022. However, the credit card already reversed the full amount of above mentioned transaction fee on XX/XX/2022 following a conversation I had with them on XX/XX/2022. 

When I asked them why they charge interest for a charge that's already reversed. I was told they charge interest based on the statement balance in spite of further changes after the statement was issued. In another word, in order to avoid interest, I would have to pay for the fee in the statement balance even if this very same fee got reversed after the statement was issued. The thing is the credit card company didn't tell me that when I spoke with them on XX/XX/2022 during which they agreed to reverse the foreign transaction fee.
Product: Credit card or prepaid card

I placed an order on XXXX thru afterpay ( company that uses single use card and lets you pay in four installments ) on XX/XX/XXXX for {$31.00}. Afterpay sent me an email that the order was for {$690.00}. They took out the first installment of {$170.00} immediately. They overdrafted my bank account and every time another bill comes out, i get another fee. They are telling me they cant refund me until the single use card expires NEXT MONTH. I even did their job for them and contacted XXXX. They sent me an email which i forwarded to afterpay that states the purchase was no where near what they charged and was canceled. They still refuse to issue me a refund. ive filed a complaint thru the attorney general in my state. I am unable to buy groceries or pay rent etc. because my account is overdrawn and im literally wracking up fees. This isnt fair!!
Product: Consumer Loan

AMERICASH LOANS SAYS THEY HAVE STOPPED CALLING MY WORK PER CASE # XXXX. THIS IS A LIE BECAUSE THEY CALLED MY WORK AGAIN TODAY, CAUSING ME EMBARRASSMENT FOR THE 5TH TIME.
Product: Credit reporting or other personal consumer reports

I disputed information on my report in XX/XX/year>. This dispute was resolved and my credit report was updated appropriately. 

In XX/XX/year>, I checked my report using a 3rd party monitoring service. The report could not be accessed. I viewed the report using the Equifax website and realized my report had been mixed with another individual. There is a freeze and security alert on my report that I did not request.

I called Equifax to report the error. I mailed in proof of identity, as instructed. They never received the identity documents. 

I mailed again via certified mail. The documents were received on XX/XX/XXXX. I have called repeatedly but can not get any answers or resolution. On XXXX I requested the security freeze and alert be lifted. I am in the middle of bankruptcy and need to secure housing before the end of the month. The security freeze and alert are preventing creditors from accessing my file. I will be homeless if this is not resolved.
Product: Mortgage

Wells Fargo paid off my mortgage and Wells Fargo refuse to give me my deed. Paid off in XXXX for XXXX at the XXXX XXXX
Product: Mortgage

I sold a property in Florida 3 months ago. Today I received a call from the broker who did the closing asking me to pay a household insurance for $ XXXX.that was part of the selling agreement. My realtor with the broker check all paperwork and they told me that everything was in order and we finalized the transaction. I am a XXXX citizen living in Social security and cant afford to pay that sum with my actual income. Do I need to pay for their mistake?