23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted TransUnion, XXXX and XXXX and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/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
Product: Debt collection

On XXXX XXXX I was contacted as well as my relatives about an open proceedings case in the county of their address. The proceeding were going to be filed against me for account # XXXX and I had to pay my debt for Ace cash express for the amount of XXXX for a past due pay day loan. If I didnt do this the lawyers of this firm would follow through with the proceedings with Ace cash express and this was also being recorded as an attempted collection and notification of this process, and this was all recorded for their case against me. I was contacted by XXXX XXXX by the company XXXX on behalf to notify me of these legal actions being taken against me on behalf of Ace Cash Express. She stated the date of the loan taken out the and the amount of the original loan of {$500.00}. I attempted to make payments and she requested proof of income to provide. I explained I was unemployed due to the Covid-19 pandemic so they denied this request. To confirm this collection, I attempted to call Ace cash express On XX/XX/2020 directly to clarify this confusion they transferred me to their debt collections and confirmed they had sold it third party via DNP. I called the number back of the XXXX debt collectors whom notified me previously they had acquired the debt as well and settled for {$800.00} via my aquatintences credit. My friend and I and settled this debt together on a recorded line where he asked multiple questions, just as I did, and was told the same things. We requested and on a recorded line via phone number XXXX XXXX XXXX XXXX extension XXXX, a notified letter of proof of close of debt collection and closure of said proceedings as well as be emailed to both parties of confirmation. She confirmed that would be sent out and a email would be sent out following the ending of the call to both parties involved. She also confirmed my email address, she confirmed my address, and confirmed everything on file left with Ace cash express agency. I have not received any notification of closure, or payment in full, I have not been contacted by Ace cash express or the company acting on behalf of them since.
Product: Credit reporting or other personal consumer reports

The inquiries listed in the FTC report attached were not authorized to run my credit " I am only reporting Hard inquiries listed with the following companies that I did not authorize and want all removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ''
Product: Debt collection

I parked in a paid parking on in downtown XXXX on XX/XX/2019. I paid the parking fee and put my receipt on my dashboard. Several weeks later I received a " Notice of Violation '' from the parking lot owner. I mailed them a letter letting them know that I paid the fee at the time of parking, and included the original receipt I received when I paid the parking fee in question. I received no response. Then in XXXX of 2019, I received a collection letter from a law firm claiming to be the debt collector for the parking lot owner and attempting to collect the original parking fee plus a large penalty. I sent a letter on XX/XX/2019 again explaining that the original parking fee was in fact paid. Since I had sent the original parking receipt to the parking lot owner following the first notice, I included with this letter my credit card statement showing again that the original parking fee had in fact been paid. I received no response. This week I received yet another notice from the law firm trying to collect this parking fee.
Product: Credit card or prepaid card

I have attached a PDF file including details surrounding my dispute. I have put many many many hours into disputing these charges. I have had not resolution, & I gave up. But, I'm asking you, the CFPB for help, because I was advised to by a person in my exact same situation, we both got ripped off by the same company, & we both had trouble getting out money back. They said they got refunded with CFPB help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inaccurate personal information is Not and I demand it be corrected immediately : Please DELETE the following inaccurate names : XXXX XXXX XXXX XXXX XXXX Please DELETE the following inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please DELETE this inaccurate personal Information on my credit report. 


The following accurate personal information that is mine is below and should be added immediately : Please ADD the following accurate Name to my credit profile : XXXX XXXX XXXX Please ADD the following accurate Address to my credit profile : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please ADD accurate personal information to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I would like to submit a complaint against Experian. I received an email this morning ( XX/XX/18 ) from Experian stating that my credit score had increased ( attached ) and upon logging into my account to review, then saw an alert that stated my score had decreased by 15 points ( screenshot attached ), with no  explanation. I attempted calling the customer service number listed for Experian ( XXXX XXXX, and can not for the life of me understand the representative on the line. The language barrier is so incredibly horrible it made it almost impossible to have a conversation and to obtain answers to the questions I need to be answered regarding my credit report! Upon calling back a second time, I spoke to a XXXX XXXX   who could not explain to me why my score had dropped, in fact, she stated that she did not see any reason why my score would have dropped. The only explanation she could offer is that she has seen where peoples monthly scores just fluctuate which is totally unacceptable. Per Experian alerts showing on my online account, XX/XX/XXXX my score increased by 10 points, XX/XX/XXXX I received an alert that my credit card issuer ( XXXX XXXX ) raised my credit limit, and then XX/XX/XXXX my score decreased by 15 points. This is fraudulent and Experian needs to be investigated. I have worked SO hard to get my credit score up and to have this happen and to receive no explanation for why is a complete slap in the face and no one should have to go through this. Please let me know next steps on processing this complaint and advise if there is any further information needed to process. My next step will be to acquire legal representation to address this. Thank you in advance for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00}
Product: Credit card

A mistaken charge was made on my Bank of America credit card for XX/XX/year>, for a XXXX hotel stay that my wife and I never actually booked for {$380.00}. We contacted the hotel, they agreed it was a mistake and they promised to credit the full amount on the credit card. However we feel that the hotel 's customer service is suspect, so I called Bank of America Credit Card Customer Service to dispute the charge in case the hotel made a another mistake. The full charge of my B of A credit card bill for XX/XX/year> is {$4500.00}, and is due on XX/XX/year>. I spoke to a Bank of America supervisor on the phone named XXXX. He refused to subtract the {$380.00} from my XXXX statement despite the fact I was disputing the charge. He said the full amount of {$4500.00} is still due on the due date or Bank of America will charge interest on my statement. I told XXXX this is illegal, but he refused to follow the laws regarding credit card disputes. I told him that Bank of America is required by law to subtract the {$380.00} from my statement balance pending resolution of the dispute and that {$3400.00} would be the amount that is required on the due date for payment in full, so no interest would potentially be charged until the dispute was resolved. XXXX refused to agree. I told him I would legally XXXX Bank of America 's understanding of the laws regarding consumer protections regarding credit cards. XXXX said he would send XXXX Bank of America 's terms and conditions, which he claims allows Bank of America to illegally proceed as I have described above. Our phone conversation was recorded. Please ask Bank of America for the recording, so you can hear exactly what was said.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

My problem is that they are direct violation 15 is code 1692 g. # 2 never received a letter describing to me the validity of there debt # 3 never received written permission from me # 4 I never received a dunning letter on my credit report before they reported it which is XXXX  dollar violation fcra they never got permission to discuss my files from the original creditor which is a privacy code violation they are reporting stuff negatively which alone is a violation and without notifying me they XXXX XXXX {$930.00} XXXX yr XXXX month old debt XXXX XXXX XXXX XXXX XXXX  {$430.00} never was notified about this {$410.00} XXXX XXXX all these never received anything in writing from Lvnv
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive many offers for credit cards & other financial products & services from Experian via the internet. my site is  XXXX  XXXX  XXXX . I am the only person with access to my accounts or online banking, other. I respond with an application. I am always denied credit. I have excellent credit, I have existing credit cards. I am a theft victim at my primary bank,   XXXX   XXXX   XXXX  , the theft was acknowledged, it occurred from  XXXX 16- XXXX 16. I was in a facility at the time. there was theft at the teller window of my bank. this has been notorised and submitted by a judicial of the   XXXX   circuit court   XXXX   XXXX   florida  usa. t he presiding judicial is h. judge   XXXX   XXXX   the attorney is  XXXX   XXXX ,   XXXX   XXXX  ., he can confirm I have excellent credit. I am a long term victim of credit card theft & credit denial, & other financial criminal acts & hate crimes.
Product: Mortgage

My husband and I have been working with CitiMortgage for a modification application since 2012. After repeatedly sending in the same documentation and clarification they ask for, I am always denied because they claim documentation was not turned in. I keep records and confirmations of all documents sent and also keep logs of every phone call I make or receive from the lender. It seems at this point there are just giving me the run around and forcing me to fall further and further into debt so they can sell my home. I wish they would acknowledge all the work I am doing on my end to keep being productive and following up instead of giving me the run around and giving me false hope. I also felt as though the relationship manager that was assigned to my file was discriminating me due to my race and always had a serious attitude with me and did not want to help and make things more difficult for me. I had to ask for a new relationship manager because he made me feel horrible about my situation. I feel I have been dealing with this unfortunate situation for too long and need to address the situation so it does not happen to others as well. So now at this point I have a projected sale in XXXX due to their underhanded tactics and they are pushing me against the wall before a sale and I would like them to review me for a modification and conduct themselves in a professional manner and provide with me foreclosure options as California Law state. Thank you.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

XXXX is in violation of the FCRA for reporting inaccurate information regarding I, the consumer. XXXX does not have my consent to furnish this information regarding a charged off XXXX  XXXX account. The Fair Credit Reporting Act states all information should be accurate. This charged off account has caused me great hardship. I have sent in a complaint about this account and the only thing Ive received are deleted inquiries.
Product: Debt collection

In XXXX, I leased a car from an auto dealership and was told to bring it back when the term of the lease was over. I was mislead into thinking that my credit score was not high enough due to no activity and that leasing would help build my score. At the end of the lease, the dealership refused to take the car back and told me to try and sell it. The car 's value was {$5000.00} but the leasing company wanted me to pay {$13000.00}.

They wanted me to buy the car but I did not want it. I gave the car back to Autotrakk and they sent someone to pick it up.

The car was sold, in perfect condition and less miles, for {$5000.00}. 
In XX/XX/XXXX Autotrakk submitted into collections, under " Voluntary repossession " for the total balance.

I had no intention of purchasing the car beyond the term of the lease.

I'm not responsible for any money due.

Autotrakk threatened to report it to the credit bureaus because I didn't want to purchase the car.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX 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

I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with Equifax who have admitted that my information has been compromised in their latest security breach. None of Equifax, XXXX or XXXX XXXX website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my report.
Product: Mortgage

American Financial Resources ( AFR ) is the is the Servicer on my mortgage. Currently shows that America Financial Resources is a XXXX XXXX affiliate of this lender of my mortgage. XXXX financial is the affiliate owner of AFR. Homeowner has submitted the RMA requesting modification over three times and the same results : lost paperwork, or denied without explanation. 

The most recent realization is that the XXXX and XXXX, 2016 mortgage payments possibly will be late. 

Homeowner has generated a NPV Report, data collection date of XXXX/XXXX/2016 and shows homeowner can possibly qualify got a modification. Homeowner will be be in default since XXXX/XXXX/2016. 

Homeowner is formally applying for a RMA application. Recent comparable of comps sold in the last 90 days is {$150000.00} value as compared to $ XXXX XXXX. This shows a LTV of 183 % in homeowners current mortgage condition. 

The comparable recent sales : recent comp is {$150000.00} to {$160000.00}, sold in XXXX, 2016. The income, DTI and LTV Loan to Values used by the services in the denial of the RMA application are in error. I have provided a recent NPV Report dated XXXX XXXX to show proposed modification data date XXXX/XXXX/2016. 
1. The estimated homeowners value is overstated ; off by {$120000.00} 2. Current street value of the home is {$150000.00} as of XXXX/XXXX/2016. 

The Homeowner is requesting : who or whom, is the current investor/lender. 

The servicer and the investor are signature to the XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement.
Product: Credit card or prepaid card

I have had nothing but trouble it seems with cash app. I have used the service to send and receive money and also used their XXXX card they provide you with to make purchases in store and online. About a year ago approx there were some charges made to my card that were unauthorized by me and I filed disputes. They said it was nothing they could do but when some of the charges were credited back to my account cash app turned around and deducted the amounts and when I asked why they could not tell me. They never did explain or credit them back to me. So I got another account about six months ago I guess and Ive been sending and receiving money and using the XXXX card they issued in my mobile wallet with no issues so to speak I then ordered a physical card 6 days ago. I opted for the premium card that cost over {$5.00} just to get. I got an email saying my card he been approved and would e sent to me in the following days. I received the card today in an envelope addressed to me at my home address and inside was the card stock sleeve the cashapp XXXX card was attached to and saying things like Tap to pay Instant Discounts Atm Access and a QR code that says scan code in cashapp to activate card But when I try to do that it says it cant be activated. I try punching the into in manually and it stills says it can not be activated. So I reach out to support at cashapp and they research the issue and come back and tell me my card is deactivated and can not be activated. When I ask why they say that is all the info they have. I ask for them to refund the money I was charged for that was deducted from my balance on cash app if they would not be giving me a card and I was told they could not do that and that was the end of it. I have had so much turmoil with this company that Ive considered having an attorney handle a suit against them for a number of things they have done to me and for the problems they have caused by their incorporation. If they are allowed to keep doing innocent people this way and getting away with it issues will only get bigger and more common.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 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 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 XXXXXX/XX/XXXX
Product: Prepaid card

I received a {$1000.00} prepaid American Express card from my employer as a reward. Within 30 mins from activating the card online, I was charged a purchase of XXXX from a merchant in California that I have never even heard about. I contacted the customer care and I have not received any answer so far. I am very disappointed by the customer experience because I called immediately when the transaction was pending to make them aware of the scam, but days have passed and now the transaction has posted so I have XXXX as balance.