23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is astonishing that these collection agencies and creditors will take advantage of Americans at the lowest point for some reason they feel that is the best time To falsely reporting on your credit bureau against consumers for instance portfolio recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put HSBC bank which was bought out by XXXX XXXX but instead they stated that it was a debt with HSBC Card Services that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of XXXX XXXX XXXX HSBC BankXXXX XXXX. 
This debt was Re-aged and XXXX XXXX XXXX did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made XXXX XXXX   could not. 
The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by XXXX XXXX XXXX which is illegal and in clear Violation for the FCRA and FTC
Product: Vehicle loan or lease

We had a lease with Hyundai Motor Finance ( HMF ) for a XXXX XXXX, due to mature on XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received an e-mail from HMF with an offer to have the last XXXX payments waived if we sign the lease for a new Hyundai. I triple checked the fine print and I saw that we were fully qualified. The program was supposed to end on XXXX XXXX, XXXX. We signed a new lease for a XXXX XXXX on XXXX XXXX, XXXX. In XXXX XXXX I got a letter from HMF stating that we owe them the 3 payments remaining from the XXXX, for a total of {$910.00}. ( So, even if I leased a new Huyndai, they asked payments for the old one ). Since then I called HMF 6 times. In  XXXX, XXXX ( from HMF ) stated that the program ended on XXXX XXXX and that is not their fault that I did n't know and that I still owe them the money. I did n't receive any e-mail with such information, nor the dealers told me anything when I signed the new lease. On the other hand, they told me that everything will be fine. On XXXX I spoke with a person named XXXX from HMF End-lease and she stated that if the dealership will ask them for an exception, then it will be approved and everything will be fine because the whole situation is absurd. It was n't, I do n't know if the dealer called or not, but on XXXX I saw late fees on my account. I called back on XXXX and this time XXXX promised me that she will personally escalate the situation and that she will call me back in 2-3 hours with a resolution. She also stated that there is no record from the dealership about any exception. 
I am attaching the original e-mail with Pull-ahead program AND the conversation I have with the general manager from the dealership ( it seems that when I signed the lease on XXXX, they were fully aware that the program was modified and that it had an early ending, but they did n't let us know ).
Product: Mortgage

I am in trouble since 9 months with SPServicing who bought my loan from XXXX XXXX XXXXXXXX. 
The pay my home taxes {$8700.00} in XXXX when i always pay my home taxes when is du in XXXX, saying theyb receive a deliquency letter from the XXXX. 
They never send me any letter askong me if i pay my home taxes like usual. 
After fighting 4 months they finally ask the credit card to refund the amount i pay and ask my other credit card to charge me again. 
They make the mistakle and keep going to charge me {$32000.00} fees saying i was deliquent about the taxes. 
I was not..they decide to pay my taxes without any notice. 
I keep going to complain to XXXX and they keep going to ask me to pay for THEIR mistake. 
Today i receive a note from their website saying they will increase the rate from 6.5 % to 8 % on XX/XX/year>. 
Can they apply the amount they want? 
Thanks for your help this company is so bad.. 
I call 49 times, i receive about 500 pages and get 118 emails ... without any right answer. 
They start to pay me back the {$720.00} X XXXX ABOUT THE HOME TAXES ... after the XXXX send them a complain. 
Thanks again for your help i am just desperated... i am XXXX XXXX XXXX...
Product: Credit reporting

This is documentation that i have compiled since i began disputing inaccurate reporting and items on my credit. It began XX/XX/2016 and have not been resolved. Since then in a mater of days my credit score has dropped over XXXX points with no use or change in my credit. There has been a serious error made here. I have called I have mailed in paperwork and every time i do, i 'm asked to wait anther 30 days. I do n't have anther 30 days from never to get this resolved. I 've included my police report, original mailed in documents and the responses from all XXXX credit bureaus. This has prompted me to file a formal complaint with the consumer financial protection bureau as well. One might think you would err on the side of caution before destroying ones life. I have lost a lot because of this error which is also included in my documentation i 'm asking you to cease and desist any further negative retaliation on my credit. Please address the items that listed for correction in my paperwork.
Product: Debt collection

I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with XXXX XXXX XXXX . There have been repeated threatening calls and just today on XXXX XXXX, 2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XXXX XXXX, 2019 they will pursue litigation against me. 
I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting. 
The company responsible is XXXX XXXX XXXX with address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX There report is on some, FifthThird Bank-Real Life Rewards with some listed Account Number : XXXX Reference XXXX Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue. 
I also do not see this debt reporting on any of my credit reports. 
Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1666b ( Timing of payments ) this is a billing error for I was never late this is an error and that makes this account in violation, Also Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are to be excluded from a consumer report.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONSUMER ADJ CO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Checking or savings account

Hello, I am writing to formally dispute an unauthorized transaction on my account, which occurred while I was XXXX overseas in XXXX. Despite my repeated requests for you to freeze my account and issue me a new card, {$2400.00} was withdrawn from my account without my authorization. 

To summarize the situation : 1. Account Details : per request 2. Unauthorized Transaction : {$2400.00} was deducted from my account on XX/XX/year>. 
XXXX. Attempts to Protect My Account : Prior to the transaction, I made multiple attempts to notify your institution about the potential compromise and requested that you freeze my card and issue a new one. Unfortunately, my requests were not acted upon in a timely manner, leaving my account vulnerable. 

Given my XXXX circumstances, I entrusted your institution to take immediate and effective action to secure my finances. The failure to do so has caused me significant financial and emotional distress. 

I request the following actions : 1. A full refund of the unauthorized transaction amount, {$2400.00}.

2. A detailed explanation of why my requests to secure my account were not promptly executed.

3. Immediate issuance of a new card and assurance of enhanced security measures to prevent future incidents. 

I have attached any relevant documents, including XXXX orders and prior communications with your bank, to assist in your investigation. 

Please consider this letter a formal dispute under the Electronic Fund Transfer Act ( EFTA ) and any other applicable consumer protection laws. I expect a response within 10 business days, as required by law and your banks policies. 

Thank you for your prompt attention to this matter. I trust that your institution will resolve this issue fairly and expediently. 

You can reach me at XXXX ( XXXX ) XXXX if additional details are needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$67.00}
Product: Student loan

On XX/XX/XXXX I contacted a number I found in an article on XXXX regarding a student loan forgiveness program. I spoke to a young man named XXXX. He gave me a direct number of XXXX. He logged into my student loan information online and told me I was approved for a relief program. I would pay {$13.00} and some odd cents for 102 months. After those payments were on time the remaining student loan debt would be forgiven and my student loans would be payed off by his company. He told me his company would pay off XXXX and take over my debt. My payments would go directly to them. On XX/XX/XXXX, I noticed a withdraw to premier student loan center for {$180.00}. When I attempted to call the number given to me by XXXX, I was sent to a voicemail. I left my contact info and received a call back shortly. I was asked, " Are you interested in student loan forgiveness? '' When my answer was anything but " yes '' the call was immediately ended without explanation. This happened 3 different times with 3 different callers.
I feel like I have been scammed and am ashamed that I fell for it. I am just an honest woman trying to lower my bills and improve my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. I want them blocked & removed immediately. XXXX XXXX XXXX XXXX
Product: Checking or savings account

There were two unauthorized funds withdrawn total {$18000.00} from my Bank of America saving account on XX/XX/2022. It is join account with my wife. I and my wife reported to Bank of American on XX/XX/2022 by phone when we found the unauthorized processing transactions online banking and also went to XXXX XXXX XXXX XXXX of Bank of America to report it on XX/XX/2022. We were told it will credit back to our account next business day. However Bank of America delayed and did not approve the temper credit back to us until today. We also reported it to FTC and XXXX Police. We were told by different staff in fraud department saying it takes 10 business days, 30 days, 45 days, 60 days and up to 90 days when we called and checked with the progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX Experian XXXX Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information currently listed on my credit report with Experian. Despite my previous attempts to address these issues, the information in question remains unresolved, which is negatively impacting my credit profile.

The inaccuracies are as follows : 1. Credit card 2. Not properly conducting investigation I recently became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for similar issues regarding the handling of disputes and the maintenance of accurate consumer information. This further underscores the need for a prompt and thorough review of my concerns.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct any inaccuracies within 30 days. I request that you : 1. Conduct a thorough investigation of the disputed items.

2. Provide me with a written explanation of your findings.

3. Send me a free copy of my updated credit report reflecting any corrections.

Please confirm receipt of this letter and provide any updates related to my dispute via email or phone at your earliest convenience.

Thank you for your prompt attention to this matter. I look forward to your resolution within the time frame required by law. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX Let me know if you need further adjustments!
Product: Mortgage

In XXXX - XXXX I applied for the COVID Forbearance assistance from Carrington Mortgage through the VA due to family circumstances during the pandemic. In XX/XX/XXXX we started a loan modification to catch up on my loan. We are now fully caught up and paying on the house as required. In XX/XX/XXXX I reached out to a real estate agent to sell my house due to medical bills accumulated during Covid-19 and had started to look for avenues to sell the house. During the time we had decided that a VA loan assumption would be most helpful due to some damages to the house ( Notably carpet from a rescued cat and a deck that needed to be redone ). We contacted Carrington in XX/XX/XXXX to get pre-approved for my house to be assumed, they ( Carrington Mortgage ) said that they would need some more time to decide due to the previous loan modification. About a week later ( I do not remember the specific time ) they called me and informed me that I would be able to sell my house through a loan assumption and proceeded to send me the paperwork. I received the paperwork in the first week of XXXX, forwarded the paperwork to the buyer, and Carrington received the paperwork on XXXX XX/XX/XXXX. I followed up SEVERAL times ( I have an average of 3 calls per month between then and XXXX XXXX ) asking for a follow up and was only told it was in underwriting. 

On XXXX XXXX the buyer reached out to me asking for information about the loan assumption so I called Carrington and made the Buyer an authorized user on the account so they could receive information. The information she received that day was that the loan could not be assumed due to the loan modification. This was never brought up during these calls when I asked for a status update and the buyer was told this before I was. This caused the sale to fall through and us to pull my house off the market due to the housing market to drop. 

This sale was vital to my family and myself to care for bills that had been accumulated while working through covid, both medical and otherwise, and the sale of the house would have prevented over {$35000.00} in wage garnishments and a further XXXX in debt that it was going to be used to fully pay off. 

Please understand, I'm not upset that we couldn't have my VA loan assumed ( however, after talking to the VA, I was told this would NEVER be the case and ALL VA loans can be assumed ), I'm upset that Carrington Mortgage waited TWO MONTHS to not even contact me to cancel the assumption AFTER I was pre-approved to have my loan assumed. I could have worked with the lawyers in our bills and not have had my wages garnished, but still worked over time to pay them off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- All of these creditor accounts were in " good standing '' and were " CHARGED-OFF '' due to XXXX XXXX- All of these accounts are reporting as charged-off on my credit file repeatedly each month and they are impacting my credit in a negative way not allowing my credit score to increase. 

XXXX ) XXXX XXXX XXXX XXXX : OPENED XXXX XXXX PAST DUE {$7700.00} THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- PAST DUE XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted FTC report, statement and credentials for these accounts listed to be blocked and removed from my credit report. 
XXXX XXXX/ XXXX XXXX  Acct XXXX XXXX  Acct no : XXXX XXXX  Acct no:XXXX XXXX XXXX Acct no : XXXX XXXX XXXX  Acct no : XXXX XXXX  XXXX Acct no : XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of XXXX XXXX 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX Code XXXX - Protection of nonpublic personal information XXXX XXXX Notes XXXX | next ( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) XXXX XXXX XXXX XXXX about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

Sponsored Listings XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX