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

Ordered a PC from XXXX XXXX XXXX Order # XXXX. 

They applied with XXXX with partial of the cost to their " payment system '' to pay off over time. While I put some upfront, the rest I applied for credit for. 

Upon having issues with XXXX filing several complaints and dealing with fraud on their side since I didn't receive the item I purchased. Rather I receive a fraudulent computer with removed serial numbers. Which is against the law. I called up XXXX to let them know that the item was counterfeit. They couldn't find any account information, only that it was attached to my social security number. 

EVERY XXXX attempt I made to get it changed for my personal information, I would have to talk to some XXXX who can't speak english and then deal with their nonsense of NOT UNDERSTANDING ANYTHING. I am saying. Then told me they couldn't access or " Prove '' who I was. When I was literally sending them multiple ID 's. 

I finally reached a manager at one point and sent over the information of the missing parts and PC with the FTC complaint and the PC being junk. The XXXX company also claimed that they wouldn't give me the serial numbers and " didn't have them ''. 

I was told that they would handle it with their fraud team. I was called from their fraud team a few weeks later. We settled the issue, as I thought. Because I dictated to them the penal codes and XXXX  XXXX that was going on. They claimed the issues was resolved. Here I am several months later seeing that it wasn't. AGAIN, calling their XXXX office up to deal with the same XXXX. Only to get the same runaround. They can't prove who I am. 

SO OBVIOUSLY. It's not my debt, if they have no idea who I am and someone used my Social Security number to make the account. If I can't pay the XXXX bill or am allowed to discuss it. THEN ITS FRAUD. The company supported the fraud and is continuously supporting it by not allowing me to do anything with it. Catch 22 fraud.
Product: Credit card

I 've defaulted on my Discover card payments due to being out of work. I have spoken to the creditor several times and advised them I will call to arrange payment as soon as I am back to work. 

At XXXX they called every XXXX days, which is fine. They began calling me XXXX times back to back, hanging up after XXXX or XXXX rings and then immediately calling back. This has happened XXXX times. This morning I was going to answer and they kept hanging up on me before I could. 

This directly violates FDCPA call frequency regulations, and the hangups are harassment.
Product: Mortgage

we applied for a loan modification in XXXX and was told that the bank would put us on a trial for the months of XX/XX/XXXX, XXXX & XX/XX/XXXX with payment coupons in the amount of $ XXXX. We pd on time and the bank was to draw up paperwork stating they would do the loan mod. In XX/XX/XXXX we had NO payment coupon and didn't know what if anything was to be pd since the bank was working on what the amount would be and drawing up the paperwork. On XX/XX/XXXX the bank had us sign docs stating what the amount would be. On XX/XX/XXXX the bank signed off on that XXXX and returned a copy to us. On XX/XX/XXXX we recv 'd our XXXX statement stating our payment was XXXX XXXX paid that. There was no late payment saying we didn't pay XXXX ... there was NO doc stating we owed a XXXX payment at all. In XX/XX/XXXX we recv 'd our XXXX statement which was substantially higher and we called to dispute the amount... .the bank finally responded to our complaint stating the large payment amount was due to ins XXXX I obtained another XXXX and our new payment was $ XXXX. that issue didn't get resolved until XXXX. In XXXX I tried to make XXXX separate payments to bring our account back up to date since all issues were now resolved. The bank would NOT allow us to pay anything unless we paid XXXX payments all at once ( XXXX, XXXX and XXXX ). We just went thru this loan XXXX and were not able to make XXXX payments at once. In XX/XX/XXXX we were able to obtain a loan from our TDSP and paid everything $ XXXX. at this time we still believed that we were good to go with the loan mod as we were NEVER told otherwise. We then recv 'd our XXXX stating debt forgiveness for XXXX. The bank said that we had to wait 3 years to get this removed from our acct. when the XXXX yrs was up the bank refused to remove the forgiven debt stating that the loan XXXX never went thru and now that balance was deferred. there was no point in even doing the loan mod since the bank never intended to go thru with it from the beginning. I am in need to doing a refi since we are both on Social Security at this time and I need to lower our payments. Are the banks allowed to cheat people with these loan mods? this was a gov program to help homeowners along with the banks and in this case they didn't assist us in anyway. Please assist. I have tried to work with this bank and they have been uncooperative. No bank will allow a refi with a deferred debt of $ XXXX ... .the home is not valued at $ XXXX. avg home sales are low $ XXXX 's
Product: Debt collection

This complaint is to dispute the debt you are trying to collect and stop threats, by your company, to damage my reputation and credit report. 

I would like to start by noticing you that a persons private educational information is protected under the Educational Rights and Privacy Act. Repoting my private information to consumer reporting agencies will be a violation of that act, the Grimm-Bailey-Lynn Act XXXX and Regulation P of the Code of Federal Regulations - Privacy of Consumer Financial Information. You have not provided the disclosure required by Federal Law and do not have authorization from me to share any of my information. 

Under the Fair Debt Collections Practices Act ( 15 USC 1692g ( a ) ( 4 ) ) - A debt must be verified upon dispute. Verification must be done an Oath or Affirmation under the penalty of perjury or by providing a judgment against the consumer. A copy of an instrument does not verify that you have legal standing to enforce anything, provide a sworn statement to the validity of the alleged debt. 

Threatening to disclose private protected information about a consumers education and finances is a violation of my right to privacy and of 15 USC 1692e. Trying to deceive me into believing that you have some type of lawful authority to collect this debt or to share my information is unfair and deceptive practice and can be view as restraint of trade. 

See attached documents for a list of the violation and for a invoice of the fees charged for these violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including Repossessions. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$200.00} while using XXXX The scam occurred during a transaction with a person who deceived me into sending the money under false pretenses. Once the money was sent, the person disappeared or failed to provide the promised service/product.I attempted to contact XXXX customer service to address this issue, but I was informed that XXXX does not reverse transactions, even in cases of fraud. This response is frustrating because it leaves me without options to recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY was included in a Chapter XXXX and discharged. They continue to report Profit/Loss on my credit report with a {$11000.00} balance. They have been contacted numerous times, the latest from my attorney and still no response from Ally. This needs to be removed from my credit as it is hurting my score.
Product: Debt collection

Every single day NCB Management calls me at least twice a day, sometimes more. I worked in collections and know it is a FDCPA violation to call more than once per day, especially leaving multiple messages per day.
Product: Checking or savings account

I received a debit card in the mail for an account I never opened with Suncoast Credit Union in XXXX Florida. I have had all three of my credit agency reports frozen for some time and a fraud alert active until XX/XX/2023. When the consumer help person said that she couldn't help me because my mother 's maiden name really wasn't my mother 's maiden name, I become somewhat annoyed. I finally spoke to another individual who informed me that an ID package would be Emailed to me. My question is " How did someone manage to open an account in my name when all of my credit agency reports were frozen and I have a fraud alert in place? They couldn't answer that question.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and received medical attention and left a bill with XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, The XXXX XXXX XXXX on XX/XX/XXXX and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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: Consumer Loan

Title Max of Texas, Inc. d/b/a Title Max, XXXX XXXX, Texas I have paid over XXXX dollars for XXXX loan to there company because XXXX a month was a lot for me just for interest. They have towed my car twice and vandalized and stolen the contents. The contents were all of my Identification to legally enter the XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a notice from Portfolio Recovery Associates that " unless payment or satisfactory arrangements for payment are made with our office no later than XX/XX/XXXX, we intend to file suit in the proper venue and court within California ''. 
On XX/XX/XXXX, I contacted Portfolio Recovery Associates and spoke to both XXXX XXXX and also XXXX XXXX ( operations manager ). I established a monthly Repayment Agreement of {$75.00} per month, due on the XXXX of each month, starting on XX/XX/XXXX. 
On XX/XX/XXXX, I made my first payment of {$75.00}.

On XX/XX/XXXX, at XXXX, a man knocked on my door and served me summons papers that I was being sued by Portfolio Recovery Associates .

This was after I had already established a Repayment Agreement with the company. I immediately contacted the company to ask why this had happened. I spoke to both XXXX XXXX and XXXX XXXX. I was told the lawsuit has already been in process when I set-up the payment arrangements even though their letter said to contact them by XX/XX/XXXX.I confirmed that the attorneys who filed the suit worked for them. I fail to understand why, after I set-up a payment arrangement, the suit was not dropped, even though 3 weeks had passed from the time I set-up the arrangements and the suit was filed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XX/XX/year> Dispute of XXXX XXXX XXXX XXXX XXXX FCRA Dear XXXX, I hope this letter finds you well. I am writing to formally dispute the credit reporting practices and failure to comply with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, related to negligence in reporting accurate information. I have reason to believe that your company has failed to fulfill its obligations as a consumer reporting agency ( CRA ), and as a result, I am requesting immediate action to remedy the situation.

Specific Allegations : Failure to Provide Accurate Information : As per FCRA Section 1681o, a consumer reporting agency is liable for negligence in failing to maintain or report accurate credit information. I have discovered discrepancies and inaccuracies in my credit report, which I believe your company has failed to rectify in a timely manner despite prior notifications of these issues.

Negligent Reporting Practices : It is my understanding that your company is required to follow reasonable procedures to ensure the accuracy and completeness of the information in my credit file. However, the data you have provided contains inaccuracies that are not only misleading but also damaging to my creditworthiness.

Failure to Investigate Disputes Promptly : I previously submitted a dispute regarding the erroneous information, but I believe your investigation into the matter was insufficient, delayed, or outright ignored, which constitutes negligence under Section 1681o. The failure to conduct a thorough investigation has caused ongoing harm to my financial reputation.

Request for Resolution : I respectfully request that you take the following actions in accordance with the FCRA : Immediate Correction of Inaccurate Information : Please update or remove the erroneous items from my credit report, as I believe they are inaccurate, misleading, or incomplete.

Written Confirmation : Upon resolution, kindly provide written confirmation that these inaccuracies have been corrected and that my credit report has been updated accordingly. 
Failure to Comply Notice : If your investigation determines that these discrepancies can not be corrected or resolved, I require a full explanation as to why your organization has failed to meet the standards outlined in Section 1681o of the FCRA, which holds parties responsible for negligent reporting and failure to act.

Please note that under the provisions of Section 1681o of the FCRA, I may be entitled to seek civil damages as a result of your companys negligence, including actual damages, statutory damages, and attorneys fees if this matter is not resolved in a timely manner.

I expect to receive a response to this dispute within 30 days as required by the FCRA. If you need any additional documentation or further information, please feel free to contact me via [ phone number/email ]. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I have XXXX credit cards with Bank of America- XXXX  and XXXX. 

I mistakenly made a {$600.00} payment to card ending XXXX, which caused an overpayment of {$600.00}. On XX/XX/2024, I called customer service and requested for that payment to be moved from card XXXX to card XXXX. However the representative stated to call back tomorrow since the payment is still pending. 

On XX/XX/2024, I called back and requested a refund of {$560.00} ( {$600.00} less a {$35.00} charge just made ) and was told that it takes XXXX business days. Note : I did request that BOA transfer the payment to XXXX but was told it would take XXXX billing cycles which didnt work for me. As a result, I requested a refund. 

Its been XXXX business days and BOA made the decision to not refund my money. 

My payment is from a known source and the bank account sourcing the payment has been used to make past payments on both accounts.
Product: Credit reporting or other personal consumer reports

I have 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
Product: Mortgage

I have been working with Caliber Home Loan since last XXXX, received a preapproval by XXXX. She was a great person who provided a lot of information. She kept me updated on status and kept me in informed of things that may arise. I decided to go with a new build which happens to have Caliber as their preferred lender. My open file would then transition over to XXXX ( loan consultant for new build ) on XX/XX/XXXX. XXXX and I spoke briefly, indicated that parents will be gifting a large down payment. I feel as if XXXX did not do anything to recheck my file, nor did he communicate the urgency for specific documents ( if it was needed ). I did not get a red flag from the Loan Consultant, nor the Sales Agent ( who accepted my pre approval letter ). On XX/XX/XXXX the Sales manager cancels my purchase agreement because " I did not have a pre approval on file ''. 

I feel like there is some kind of miscommunication between the loan consultant and seller and I am being penalized with this loss. Seller is refusing to reinstate my purchase agreement, the house is now back on the market for a higher price. I'm a qualified buyer. I've gone through two different lenders who have given me a pre approval ( one already approved ). I went back to the Caliber Branch manager to demand that they redo my file. He reassigns me to XXXX again on XX/XX/XXXX. I've provided documentation as requested again. It is XX/XX/XXXX and I am still having to follow up with on a status with XXXX. Below is a timeline of events with the loan. 

- XX/XX/XXXX Received preapproval letter from XXXX  - XX/XX/XXXX Signed purchase agreement for new build and deposit XXXX ( sales agent to request loan docs be transferred to XXXX ) - XX/XX/XXXX Finalized upgrades, provided additional {$5800.00} - XX/XX/XXXX Seller cancels purchase due to " not having a pre approval on file '' - XX/XX/XXXX Addressed complaint to Caliber branch manager XXXX, demanded that they re do my file again. XXXX  stated he will have XXXX re run my file. 
- XX/XX/XXXX XXXX emails with list of documents needed, I provided documents and asked that he kept me in the loop on status - XX/XX/XXXX I provided more documents - XX/XX/XXXX XXXX indicates he can not open one of the docs, I resent the doc - XX/XX/XXXX I followed up to see if he was able to open the doc, asked for a status - XX/XX/XXXX Followed up on status again as XXXX did not reply to previous email - XX/XX/XXXX XXXX indicates he still needs all of the documents. I only provided the XXXX tax return - XX/XX/XXXX I replied, there are several documents attached to this email already. I attached the same documents and asked that he kept me in the loop if he was running into any problems opening the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an online dispute and I also wrote a dispute letter to all three credit bureaus, Experian, XXXX, and XXXX, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.
Product: Debt collection

Here are the details of the fraudulent debt collection account based on my XXXX Credit Report. I have no knowledge of this account opened fraudulently using my identity. 
Account info : Account name ENHANCED RECOVERY Also known as ENHANCED RECOVERY CO L Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1600.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX The address recorded on this XXXX XXXX XXXX account is XXXX XXXX XXXX in XXXX, Maine. I have never lived at that address and have owned and resided at XXXX XXXX XXXX in XXXX, Maine since XXXX. My phone service is through XXXX and has been since XXXX. I have reported this identity theft to both XXXX and Enhanced Recovery today.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B tells us to delete any wrong accounts from my credit report. Can you check the papers? Some accounts listed have incorrect reporting, with inaccurate amounts and dates.
Product: Mortgage

I received a notice from my mortgage company that I didn't have a homeowners policy in force. I responded with the attached letter dated XX/XX/2021. 

I recently received a notice from the insurance company that the insurance hasn't been paid and offered a payment plan ( see attached ) I also have attached the proof that Penny Mac has collected thousands from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My social security number and bank account information have been compromised.My daughter and son are having the same problem, and we are trying to resolve this. My daughter 's hard drive that included all of my family 's personal information was stolen. On XX/XX/2019, I found out that the thief has been using my social security to open up new credit card accounts and tried to withdraw money from my checking account through ACH by using my account number and routing number. The thief also changed the account information on Transunion such as current address, email, phone number so that I can't have an access to my own credit report and place a credit freeze. Also, since XX/XX/2019, the thief has applied to 7 companies to open the account, and two credit card accounts have been open under my name without my authorization. I filed the police report and reported to Federal Trade Commission. I have already contacted two companies that are associated with 2 new credit cards, and I have asked them to remove the accounts on my credit report. On XX/XX/2019, I contacted Transunion customer service center to dispute the items on my credit report. However, the customer representative won't help me with me and take care of hard inquiries that are completely fraudulent. Since XX/XX/2019, there has been 7 inquiries and 2 open accounts that I don't recognize. I really care about my credit, and I am very upset that they are not trying to help me resolve this mess that the thief has put me into. Also, the representative I talked to was very disrespectful, rude and impatient. They need to fix this issue.