23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I just recently received my credit report on XX/XX/XXXX and I noticed there are some hard inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I informed my mortgage provider that I have been unemployed since XXXX and I am unsure when I will find a job due to the covid 19 issue. They sent me a form to fill out which I sent back that stated I am unemployed and asking for assistance. My understanding is that they would provide me a forbearance offer upon receipt of the form. Instead, I am getting mixed messages from their customer service people that is it being worked on and to wait. 

I do not understand what questions could possibly exist in the current circumstances, I would rather dedicate my time to finding a job instead of trying to call them repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records. Santander attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the  XX/XX/XXXX  was  XX/XX/XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   XXXX   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX Account # XXXX ( Original Creditor ) 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 that a consumer reporting agency can not furnish a account without my written instruction and permission. 

The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$270.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

The account says opened XX/XX/2022. The account also states Past Due Amount {$270.00}. ( This is a collection account with a Past Due Balance.This is inaccurate reporting and are in violation with FCRA laws and guidelines. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METRO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED. 



*Also please note that this account was previously deleted from my credit file and reinserted by a different collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my last and final attempt to correct these inaccuracies any response except for removal of this account will force me to pursue legal action. 12 U.S. Code 5561 ( 5 ) VIOLATION.

I am exercising my right under the Fair Credit Reporting Act, 12 U.S. Code 5561 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX : XXXX, Experian Account Number : # XXXX, XXXX Account Number : # XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 
Your attached email stating that you XXXX and XXXX XXXX XXXX XXXX made changes to this account provides proof or Act and Omission it also provides proof that you made false statements. 
It is illegal for a business to make statements that are incorrect or likely to create a false impression. This includes advertisements or statements in any media ( print, radio, television, social media and online ) or on product packaging, and any statement made by a person representing your business. 
-Willful Noncompliance : there are inconsistencies in the account number reporting that may lead entities to assume that there are more that one account with XXXX XXXX XXXX XXXX XXXX 
15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of Violations : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian Account XXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 12 U.S. Code 5561 5. XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n
Product: Prepaid card

I received a {$350.00} Amex gift card and have not been able to use it anywhere. I can not use it in stores, online or even add it to XXXXXXXX XXXX. Although it shows active with funds available, it declines everywhere since it can not be registered with a name and address. The terms and conditions even state that it can be added to mobile pay options, like XXXX XXXX, but this is not true.
Product: Money transfer, virtual currency, or money service

US Bank had me online case about there website and app not working properly I explained everything what the problem was that my iPhone will not load the site properly on wifi and on XXXX and I told them that the error was still occurring after the update of US Banks banking app I told them they need to do a update or a server maintenance but when i called a week my case was closed and my problem was not resolved they told me to call XXXX and My Carrier but they say call the Software Developer ( US Bank ) to fix this issue and they refused to fix my problem with a update or server maintenance and as a consumer i want to speak to that department with phone number or a call back and the person who never tried to acknowledge my problem his name is XXXX XXXX
Product: Mortgage

This the second complaint, After asking questions about mortgage payment and payments toward principle and Escrow, the following day I was sent an email stating that my mortgage payments are going up by XXXX dollars, this is clearly retaliation, for the questioning and negative assistance i got from unprofessional staff, retaliation is illegal from my understanding and internet search as well as AI search. 

When truist took over loan, it seems the payment change, about XXXX dollar higher, this may also be my misunderstanding but loan is not to be modified, I would also like that checked.
Product: Debt collection

Requested a loan from NCP Finance in XX/XX/2019. Agreed to XXXX every two weeks. I missed two payments totaling {$130.00}. However, the payments have continued to ACH every payday since the two missed payments. NCP Finance forwarded my account to a collection agency, XXXX which has reported negative information to Equifax. The debt reports {$440.00} and dated XX/XX/2019 when the loan was taken in XX/XX/2019. XXXX, the collection agency is reporting false and inaccurate debt to my credit bureau. I am requesting them to remove the file from my account. Additionally, I am currently paying installments on the loan to NCP and I am requesting they consider my debt paid in full and stop all collections based on their integrity of forwarding my file for collections and continuing the withdrawals from my account. They cant have it both ways. Reporting me delinquent and tapping into my account twice monthly.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of fraudulent information from my credit report. Upon reviewing my credit report, I discovered several accounts and addresses associated with fraudulent activity under the name XXXX XXXX. This fraudulent information has severely impacted my creditworthiness and financial stability. 

XXXX Accounts : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX  XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX I hereby demand that you remove all fraudulent information associated with XXXX XXXX from my credit report within 14 business days. Failure to comply with this demand will leave me with no choice but to initiate the pre-arbitration process to resolve this matter. Furthermore, I will seek compensation for any damages incurred as a result of your failure to rectify this issue in a timely manner. 

I expect prompt action and confirmation of the removal of the fraudulent information once it has been completed. Please provide written confirmation to me at the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am a consumer. I have been violated and deceived by the use of unfair collection practices. PORTFOLIO RECOVERY ASSOCIATES, LLC has violated my right to privacy. My reference number is XXXX with this company. I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES, LLC, and have written them three times asking for proof of claim/verification for this unauthorized alleged debt! I want a wet-signature signed by a natural person from Portfolio Recovery Associates , LLC and myself showing that we have a contract. I sent registered mail along with my Affidavit of Truth complete with how I have been violated and have not received a response.

They recently sent me just a statement of this alleged debt, but NEVER answered my questions in my Verification Letter ( Proof of Claim ). A statement is NOT proof of this alleged debt. The only person that can verify the debt is me the Consumer according to Title 15 USC 1692g is me.

PORTFOLIO RECOVERY has not responded to my statement of truth, and has threatened to sue me! According to 28 USC ( 1 ) ( B ) any private attorney authorized by contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States. Is this attorney in accordance with this code? I am alleging that they are not. Not to mention PORTFILIO RECOVERY ASSOCIATES, LLC violated 15 USC code 1692e ( 3 ) by the issuance of documents titled SUMMON/NOTICE to appear in court which is considered false representations and implications of the legal process.

I am a single mother. I am looking for new employment. PORTFOLIO RECOVERY ASSOCIATES, LLC has prevented me from getting a new job because they have reported this alleged account to all three major reporting agencies and I want it removed ASAP!!!! Times are hard enough in a pandemic to have my character destroyed by the horrible company. Pursuant to 18 USC 241, this is a conspiracy against my rights because two or more persons are conspiring AGAINST me to injure, oppress, threaten and intimidate me. I have had enough.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has reported information without my knowledgeThe Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. " 15 usc 6802.d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ;
Product: Credit card

I bought a round trip ticket from XXXX for my wife to travel to XXXX ( XXXX ) to visit her family. Her return date was XX/XX/2024. XXXX cancelled her flight and rebooked her on XXXX XXXX for XX/XX/2024. Then they cancelled her flight and rebooked her on XXXX XXXX for XX/XX/XXXX. She was not allowed to fly out of XXXX by the ticket agent because the XXXX at XXXX was shut down and they didn't want her to be stranded in XXXX. XXXX rebooked her again on Turkish Airline for the XX/XX/2024. On XX/XX/2024 I went to get her seats assigned. That is when I found out that they also have cancelled her booking on that flight. That was the XXXX cancellation by the airline. This is when my wife 's patience came to an end. There were flights in and out of XXXX and XXXX was unable to provide us with a service that we paid for. On XX/XX/2024 I went online and was able to get her a ticket with XXXX XXXX for XX/XX/2024 so she could come home. 

I disputed XXXX charges for the amount of {$1100.00} that I had to pay XXXX XXXX because they could not provide the service that I had paid for. 

After a lengthy back and forth with Citi Cards I only got a partial credit and refused to let me present my case to XXXX. 

Attached are all the documents. All from XXXX.
Product: Debt collection

My credit score is suffering because I have an outstanding collection from an agency I know nothing of or why it has been requesting almost {$2000.00} payment since 2019. I have never received a single outstanding bill or collection notice. 
When disputed with XXXX, it comes back as a legitimate charge but with no explanation of what it is for or why I owe it. I have never not paid a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts XXXX XXXX bank XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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, credit repair services, or other personal consumer reports

Experian Credit Bureau I have been monitoring my credit report for more than 6 months to understand how it really works. Yet, I still have a lot to learn. However, I found out surprisingly Experian Credit Bureau has a speedy habit to process adverse transactions at a higher rate than they do for positives ones. I think this practice is unacceptable. Anyway, recently, I filled a dispute against XXXX XXXX  for reporting a late payment on my report which they were responsible for. Yet even though I explain clearly what happen, they just kept it on my file. They just believe what the bank said. Recently, I paid off a credit card on XX/XX/2022, and I bought something with my XXXXXXXX XXXX I was chocked to realize that the report the XXXX transaction after just one week as a result my credit usage went down. Surprisingly, until now my credit card paid off is still not showing up on my credit report which would have been beneficial by boosting my credit score up to XXXX at least. These people they are helping the middle class they are just working for the rich.
Product: Mortgage

My wife and I have tried to refinance our mortgage with Caliber Home Loans , Inc . Since they are the servicing mortgage company that holds our mortgage at an APR 4.87 % 30 year fixed rate. On XX/XX/2020, I spoke with Mr. XXXX ( ID # XXXX ) a representative of C.H.L. and after our first phone conversation which I pointed out that our APR at 4.87 % was extremely high at this market and he agreed with me. He then asked me if he could call me right back within one hour and I agreed. Mr. XXXX never called back or answered my phone calls and messages, he left us hanging. Then we were contacted by another C.H.L. representative, Mr. XXXX XXXX ID # XXXX ) on or about end of XXXX I was negotiating a refinance from 4.87 % APR ( current APR ) to 3.6 % 30 year fixed rate. During the subsequent week on XX/XX/2020, I was notified by my company that my job was been terminated as a XXXX XXXX Consultant. I wrote to Mr. XXXX and expressed that to him. In the letter I explained to him that my wife, XXXX XXXX was still gainfully employed. I explained to Mr. XXXX that we were respectfully requesting that Mr. XXXX ask his superiors at C. H. L. to provide us an interest rate less than 3.6 % APR and a six ( 6 ) month grace period without penalty until I can secure another position. We explained that we were not asking for forgiveness of the debt instead we would ask that the amount be added to the end of the loan at the new interest rate. After sending this email to Mr. XXXX he simply responded that he was sorry and offered to send us to another department and did not. Until, XXXX, XX/XX/XXXX, when he called me back and I insisted that he would send me a link to deal with some one else. 
At this Caliber Home Loans, Inc. they keep passing the ball to the next person to try to dissuade you for getting a lower interest rate and refinance your mortgage. Even when the Federal Reserve Bank lowers its interest rate at 0 % and Governor XXXX in New jersey, asks us, the consumers in New Jersey to contact our mortgage servicing company to lower our interest rate and refinance with a grace period during these economic hard times. Please help us achieve this dire need to refinance our mortgage and stop companies tike Caliber Home Loans , Inc. from playing hard ball with customers. Thank you.
Product: Credit reporting or other personal consumer reports

Looking over my XXXX consumer profile, I identified an account that I have not consented to a credit transaction. The company obtained my private information with out my consent and opened an account without my permission. I have no reference of this account and have never received any correspondence related to this company.
Product: Debt collection

I was employed at XXXX XXXX owned by XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. Upon my time working there, I also lived on-site and had to sign an employee lease addendum that discussed my rental discount as well as giving me the option to either terminate my lease within 7 days or being fired/quoting or continue using the lease without a discount. Once I quit, I moved off of the property within the seven days. My previous manager sent my account to collections and since XXXX has refused to provide proper documentation of the employee lease addendum. I have emailed multiple times and I have called the office. When calling she has a leasing team member tell me " unfortunately. We no longer have your information on file. '' That is incorrect. By law the company is required to keep tenant 's paperwork on file for seven years in the event of any issues, collections, or rental verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2022, I mailed Transunion a copy of my Identity theft report along with a copy of my identification card which is my drivers license, a copy of my social security card, copy of Section 608B of the Fair Credit Reporting Act, and a written statement made by me where I mentioned all the accounts that were results of identity theft. As per USPS Tracking services, it says that Transunion picked up my mail at a Postal Facility on Monday, XX/XX/XXXX of 2022 on and or around XXXX XXXX and was signed by XXXX XXXX. 

Section 605B of the Fair Credit Reporting Act states ; Consumer Reporting Agencies must block the fraudulent information on consumers reports that resulted from identity theft within FOUR BUSINESS DAYS. 
But it has been 7 days since which Transunion received all my paperwork and they havent blocked or deleted all the information from my report. 

***PLEASE SEE ALL ATTACHMENTS FOR ACCOUNTS AND CLARIFICATION****