23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2023 I received a civil summons from XXXX XXXX XXXX, as Portfolio Recovery Associates LLC as the Plaintiff and myself as the defendant. Several items were sent to me but not all required documentation according to the Consumer Financial Protection Bureau. I responded with a certified letter to Portfolio Recovery Associates LLC., asking for validation of the debt. I havent received any information from Portfolio Recovery Associates LLC., in writing verifying the debt according to the Consumer Financial Protection Bureau . Also according to the CFPB, once I disputed the debt, the debt collector has to stop all debt collection activities until it provides me the verification of debt. Well as of XX/XX/2023, I have a court date scheduled for XXXX XXXX from Portfolio Recovery Associates LLC., still taking legal action against me without providing all verification of debt according to the Consumer Financial Protection Bureau .
Product: Vehicle loan or lease

I was divorced on XX/XX/2019. My ex-wife was awarded the car in the settlement and I was to be held harmless according to the terms of the divorce. My ex-wife refused to make payments and the car was subsequently repossessed. I was notified that my credit report has taken a hit ( it is the only item on my credit report ) and that the car will be auctioned off and I will be held liable for any monies that are not covered by the amount the car was sold for. I have attached the divorce decree for clarification.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a resonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing t oadequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/2023 XXXX  XXXX  || Date of inquiry : XX/XX/2023 XXXX  || Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX Upon reviewing my Consumer Reports, I discovered some inaccurate late payments on an account for which I have always made auto timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], account numbers [ XXXX ]. [ XXXX ] [ XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to provide proof, I demand that these late payments be promptly updated to reflect as on-time. Please see attached proof of the inaccurate late payments
Product: Checking or savings account

On XX/XX/XXXX debit card refused for food to go. On XX/XX/XXXX Account balance shud have been over {$700.00}. Contacted Suntrust and was made aware of many check card purchases leading to overdrawn balance. Submitted fraud claim XX/XX/XXXX. Much contact and submitting of claim forms, police report etc has followed. All result in letters stating SunTrust denies the claim. I have notified them of the fraud the same day I became aware of it. The first denial letter is dated XX/XX/XXXX. The charges and loss of all funds are due to criminal identity theft and this account is one of many challenges I face as a result of the criminal who has victimized me.
Product: Mortgage

I applied for two mortgages with Bank of America. I fully disclosed by situation to the loan officer. I let them know my income ( b/c I am commission based ), assets, other rental properties, the rents I was collecting and what showed on my tax return. They even received a copy of my statements and tax returns. 

I was applying for 2 rental property purchases using a portfolio loan. From doing other real estate transactions ( I already owned 6 properties and have done numerous refinances ), I know that utilizing a portfolio loan can be tricky with their guidelines. So as to save time and headache I wanted to be fully transparent with the B of A loan officer. 

The loan officer told me the loans could be down and started the application. He took my deposit for the 2 appraisals which totaled nearly {$2400.00}. After all was said and done they came back with numerous guideline issues on my application. They said that for portfolio loans they would only allow up to 4 financed properties and that a ton of the rental income could not be used b/c I rent out the properties on XX/XX/XXXX.

I was declined for the debt to income and too many financed properties guidelines. After I spoke with the loan officer regarding a refund for the appraisals since they submitted my application without knowing their own internal guidelines. I would have never paid the fee if I knew that these were guidelines and would have asked them to speak to an underwriter first before proceeding with the application. 

Also, I ended up doing the loan with Guaranteed Rate and their appraisal fees were half at XXXX for the same appraisals. 

I am requesting the B of A reimburse me the appraisal fees since they are taking applications and charging consumers without their loan officers understanding their own internal guidelines. 

Any help would be appreciated. I have made over 10 phone calls to the loan officer and his managers with no call back regarding this. 

XXXX XXXX NMLS ID XXXX Loan officer XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

The listed accounts are incorrectly marked with a late payment status despite the absence of monthly historical data. I have disputed this matter multiple times. In accordance with compliance protocol, it is imperative that you promptly delete this my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

4. I am not the party listed on credit files that opened up the previously mentioned accounts. Though my name and private information may have been used.

5. I have been displaced by these particular acts through identity theft and fraud.

6. Your credit account is inaccurate information listed on these files and records. Someone has unlawfully used my name and used unambiguous information and endorsements that established the account without my authority or signature.

7. I never signed nor endorsed any contract or applications that created an account for debt service with the listed corporations, agencies, or companies and they have agreed that I have not contracted with them via their verification to XXXX  which is attached.

8. Thus then, remove this product of identity theft and fraud from my Credit Report.

9. It is a fact that the signatures that created these agreement ( s ) are not my endorsements, and they are confirmed forgeries.

10. I demand that you dispatch verifiable signatures on all original applications that opened accounts with the signatures available for examination and investigation or delete all fraudulent accounts.

11. This affidavit is made Pursuant to ; FEDERAL RULES, Fair Debt Collection Practice Act FDCPA, 15 USC Section 1692 Title 15 Commerce and Trade Chapter 41, Consumer Credit Protection Sub Chapter V Debt Collection Practices. Sub-Chapter V Validation of Debt, The Fair Credit Reporting Act FCPA USC title 15 section 1681, Uniform Commercial Codes U.C.C. Commercial Business Law codes ; UCC 1-201. ( 39 ) Party to authenticate a writing. UCC 3-503. ( cii ) notice of dishonor. UCC 3-104. ( e ) negotiable instrument. UCC. 1-207. rights reserved without prejudice. UCC 1-103. principles of law applicable. UCC 3-401. ( a ) ( b ) liability of parties. UCC 2-609. rights to adequate assurance of performance, and UCC 3-402. signature as defined.

12. If This notice confirms that ID fraud and / or signature forgeries, and unlawful displacement exist, and that 13. possibly endorsements were used on commercial application [ s ] without my consent or knowledge and I was a victim and not the accommodating party to any of these fraudulent contracts, applications, adoption }, or any transfer agreements. 14. 15. Consumer shall consult with the Federal Trade Commission and legal counsel if Credit
Reporting Agencies ignore federal regulations.

16. CREDIT REPORTING AGENCIES are also liable to the law under the Fair Credit Reporting Act USC Title 15 section 1681 ( i ) and can not report a debt that is inaccurate or disputed lawfully and found to be inaccurate and the result of ID fraud. The law states at USC 15 section 1681 ( i ), ( a ) Reinvestigations of disputed information
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Vehicle loan or lease

I called in late XXXX asking for a lien release statement and was told several times it was mailed on XX/XX/XXXX. After being promised I would receive it in 7 days, nothing showed up and was told it was re-mailed on the XXXX. I called once again asking for a copy of the paid in full letter and was told it would be emailed to me on the XXXX with 2 days for processing. I have failed to receive any of these documents after waiting almost a month even after being told 3 separate times I would receive these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer reporting agencies have assumed an important role and have a responsibility to report consumer information to the best of their ability with precise accuracy. I have never been late on payments for this account ( XXXXXXXX XXXX XXXX, acct # XXXX ). Please investigate and provide me accurate proof with statements showing that these payments were late. If proof cant be provided I sincerely ask these payments be updated to On Time as they should be being that I was never late. Thanks for your time handling this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called synchronicity bank and tried to get them to remove my personal number XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they won't because it's attached to an account for XXXX XXXX XXXX I constantly get automated phone calls and want to remove my number and they won't.
Product: Debt collection

Back in XXXX I was paying a company called XXXX XXXX XXXX who stated they are a collection agency. I submitted a complaint on here and was helped by someone in your office who notified me to stop paying them as they are not a legit Colorado collection agency. I have just received another threatening collection notice which states to pay now in full. They are trying to cover it as a private loan school debit from my college XXXX of XXXX XXXX which I graduated from XXXX  years ago. I received what looks like a letter from the college noting what they state is an XXXX XXXX with the same acct # XXXX. Then the other paper is for collection payment saying to go to XXXX to make payment. When you go into the site and make an acct to see the supposed loan. It states in red to contact Key 2 Recovery- XXXX placement. It shows the same loan as an owed amt and then in a negative amount. 

I strongly believe this company is trying to scam me again and I need some help. 

Thank you for your time
Product: Credit card

I have had my account with Synchrony Carecredit for at least XXXX years and just this year my credit limit was increased from XXXX to XXXX. In XXXX of this year, I made a payment of XXXX on their website before the due date. However, when it tried to come through my bank account, there wasn't enough funds to cover it. So I deposited money to cover it but it was returned and didn't go through. So I paid the due amount of XXXX again and called Carecredit to explain what happened. They at that time didn't see any issues on their end. Then after I made the payment, Carecredit tried to pull out the exact payment for a second time of XXXX. I couldn't afford to have XXXX payments of XXXX come out so I called my bank to put a stop on one of the payments of XXXX. Well my bank ended up stopping all payments to Carecredit. I had to call my bank again to lift this stop they had put into place as that's not what I wanted. I ended up having to wait to make sure Carecredit didn't try to pull out multiple payments of XXXX. Then I ended up making the payment again of XXXX and this time it went through. I called Carecredit concerned that this XXXX late payment would mess up my promotions on my Carecredit card. The person I spoke to at Carecredit assured me that it would not cause any problems and that my account was in good standing. I'm actually pretty sure my increase from XXXX to XXXX came after all this. So XXXX my surprise when I receive a letter in the mail this week saying my Carecredit account with an XXXX limit had been closed! I called Carecredit again and the agent was useless stating that I had XXXX failed payments. There was no one else to talk to and the agent didn't have the authority to make any changes even though I tried to explain to her what happened. I also have XXXX other Synchrony accounts open. Both have XXXX balances! So why would Carecredit close my account? The agent at Carecredit said I could reapply which I did and they denied me a new Carecredit account. So I've been working very hard to improve my credit and I also need to buy a new car soon and need a good credit score to get good financing. Imagine what a closed XXXX credit card is going to do to my credit score! This is what I get for being a loyal and hard working customer to Carecredit and Synchrony. This is very sad since I've given them so much business and they've made a lot of money in interest from me. I hope someone can look into this as I have to lose so much from something I was assured was ok by a Carecredit phone agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. TRACKING : XXXX Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts : 1 ) XXXX  Card XXXX 2 ) XXXX  Card XXXX As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/2021. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 51 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto no later than 14 days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court.
Product: Debt collection

I recently discovered that a collection agent by the name of Zwicker & Associates is attempting to file a judgment against me in regards to a debt that is nearly 10 years old. Despite the fact that the statute of limitations to take such action has expired, I've still tried to contact this creditor to determine why and how they are taking such action without contacting me first. Well over a month ago, I wrote to the company and requested a detailed verification of debt to try to determine why their office was taking such action. However, my written request has gone completely ignored.
Product: Credit card or prepaid card

Middle class tax refund sent out debit card to us in XXXX for {$1000.00} which we did not receive. Apparently, the cards were stolen, and the fraudsters were able to activate the cards and take out the cash in 2 separate transactions from a XXXX XXXX XXXX in XXXX XXXX back in XXXX. We found out in XXXX that we were supposedly to receive the cards when we were issued a 1099 tax statement. After numerous calls to the state, we were put in touch with Money Network ( card issuer ). We filed a complaint which was denied and then we appealed. Money Network indicated that the initial request for the $ was turned down because the cards had been activated with personal identification information. We are still awaiting the final decision on the appeal with Money Network but it is long overdue, we have passed the 90 working days on the appeal to get an answer. We constantly call and get the " no determination at this time '' as our answer from Money Network. We are in the XXXX month of this process without any resolution.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelle handling disputes, in the highlight of CFPB lawsuit stating plenty issues about the platform. Despite using Zelle a few times, you guise have failed me solving this resolution. They have informed me that recovering lost funds are impossible, it has been plenty of scams. The lack of not fixing the problem raises so many concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I felt a XXXX  in XXXX and it was included in the XXXX  I have evidence that it was and in XX/XX/XXXX it was taking out of bankruptcy and they started garnishing my check. I notice on the credit report the date was changed from when it was I had the loan he said I had it in XXXX when in reality it started in XXXX of XXXX. I'm showing experience all of this and they still said because the company said I was wrong then nothing changed on my report. They're not accepting my evidence that's 100 %, when it's off their website. They've been doing this to me a lot of times in the past and either they say we can't tell you what the internet and you got to call or they said they're going to send me a letter in the mail I never receive anything being ever call. I think they're misusing the rights right now and I don't like this cuz my credit has shut down and I've been put in a bad spot now where I can't even get a new car because my XXXX XXXX.
Product: Debt collection

I have a collection account listed on my credit reports by a debt collection agency, Central Financial Control who is not licensed to collect in the state of Florida and therefore I am disputing this collection agency
Product: Debt collection

I have contacted Barclays Bank via phone and mail and I have yet to receive a response I was a victim of Identity Theft I have provided those documents as well and they still continue to report incorrect and inaccurate information of accounts that I never had
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) Due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Had a loan with  Bank of America  for years always on time or late a few days but fell on hardship times they would not take parsial payments or works with us we fell  XXXX  months behind and went to a goverment program to help with payments property unlimited for 3 months now 6 months behind an d bank of america d id not want to work with goverment program after approved for it bank of america said no then loan was sold to another lender who taught us about hardship papers and loan modifications to help us  bank of america never offered us this. then after loan sold still had home equity with bank of america d id not hear from them at all tell foreclosure time i forgot  about home equity thought new mortage company had it but they did not then bank of america could not find info on pay off and loan denided they had it tell cosing date for sell er then they found the loan number but would not release pay off to attorneys or myself or even there own attornies been a night mere so unhelpful and decietful and fustrating.