23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XXXX Discover Credit Card Bank kept raising my credit limit where it would be impossible to cover in whole now entrapped methodically with penalty fees mounting. I am a 100 % Veteran Administration XXXX XXXXXXXX XXXX Veteran living month to month on lower-fixed-income benefits since XX/XX/XXXX single, currently age XXXX with no savings account or assets. I am a rescued XXXX XXXX veteran living in XXXX County Florida taken off the streets in XX/XX/XXXX securing residency where I still reside. Discover was a constant caller menacing with threats in USPS mail demanding payment which my VA underfunding simply doesn't allow for. Discover belligerently refused a credit consolidation loan twice when I was up to date in payments then I watched my hard earned XXXX credit rating terminally disintegrate over the months and years that followed. I received a Small Claims Court summons by a Discover Attorney and appeared submitting my " exempt '' VA and minimal Social Security documents to the court in a timely manner. XXXX  court appearances I witnessed my XXXX condition for 100 % XXXX and every piece of my defense was equivocal to when the government uses black ink on official documents in every line my defense was methodically " blacked out '' as the judge verbally dismissed any defense provided her. The " two party contract '' was tampered with as the court only considered the Plaintiff throughout the entire trial and Final Judgement. Application for a credit card formally is a two party agreement but in court Discover altered that agreement after the fact prosecuting instead an intended conversion to a single party contract, voiding legitimacy. Other complaints to CFPB Discover refused to acknowledge my 100 % exempt documented XXXX benefits and vehemently pursue collections now locked in for 20 years with Circuit Court Final Judgement with increasing percentages and taxes annually against funds that are not accessible to them in collections. My last complaint with Discover CFPB " XXXX '' determined Discover has done no wrong even after being cited with two Florida State Statutes forbidding collection of exempt income. As she also noted she will refuse any further communication or responses and refused further cooperation with CFPB in the future rather than simply dismissing their case in XXXX XXXX in compliance with Florida Statutory law. Where now Discover is willfully, wrongfully intending to collect from documented protected income with criminal intent causing undue mental anguish from day to day compounding symptoms of my XXXXXXXX VA outpatient XXXX XXXX XXXX status vehemently and unrelenting..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I've contacted The company XXXX  about a fraudgelant account theuy are continuing to report on my credit report. I don't know this company and have never done business with this company. I have also contacted and disputed this account 3 times with XXXX XXXX and Equifax and both companies have ignored my complaints & is continuing to report this fraud activity on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I had my card on auto draft with XXXXXXXX XXXX  XXXX XXXX . My account went late for 30 days and I did not know until they called me since I assumed my account was on auto pay since I had the problem before and tried to resolve. The gentleman on the phone told me that the late payment would be taken off and I paid the balance over the phone to have that removed. to my understanding it would be taken on my credit report. It is still showing so I called again to see the issue and the new customer service rep told me the previous rep told me the wrong information that it would not be removed off my repot but XXXX my account. So I am not understanding if I was told in accurate information why the late payment was not taken off my report as the first agent stated. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This contract with XXXX XXXX  has been rescission and should not be on my credit report. Please remove any derogatory statements from my credit report immediately. I have attached a copy of the rescission papers.
Product: Debt collection

The company, XXXX , XXXX XXXX XXXX , XXXX, representing Absolute Resolutions Investments , LLC, claims to have obtained a judgment against me in the amount of {$4.00}, XXXX ( which has increase to {$5100.00} due to added interest ) on XX/XX/XXXX in the Court of Common Please, XXXX XXXX, Pennsylvania. They claim in their communications a docket number of XXXX, which fails to turn up any judgment or other results during a search of court records. A further search of the promontory 's case records also does not show any judgment against me awarded to to this company. 

Prior to this XXXX, XXXX XXXX XXXX attempted to obtain a judgment against me in magisterial court on XX/XX/XXXX but the magistrate ruled in my favor. I was contacted against by XXXX, XXXX XXXX XXXX on XX/XX/XXXX, at which point they claimed to have obtained the judgment against me on XXXX. I have never received any notice from the court or proof of the judgment from XXXX, XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX, XXXX XXXX XXXX sent me interrogatories in aid of execution, related to this non-existent judgment. Once again the notice cited this docket number stated above, which as I have previously said, turns up no entries whatsoever when doing a search of court records. 

I should also add that no judgment has been posted to any of my credit reports ; only a collections in the name of Absolute Resolutions ( currently listed at {$5100.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed some mistakes in my credit report. On XX/XX/2021 I mailed dispute letters to all three credit bureaus ( XXXX, XXXX, and Transunion ) asking them to investigate and verify two negative collections accounts ( XXXX and XXXX XXXX  ). Two weeks later, on XX/XX/2021 I mailed a second letter in because I noticed some unauthorized inquiries on my account also. Not only did they not respond within the 30 day period for the disputes I sent on XX/XX/2021 when I finally received results from the credit bureaus on XX/XX/2021 the accounts came back as verified after I included all the inaccuracies the collection companies were reporting between the three bureaus. I was not satisfied with their investigation, so I contacted the collections agencies asking them to validate that the debt belongs to me. Neither the credit bureaus nor the collection agencies provided me with verifiable proof and signatures to show that the accounts belong to me. They have ignored my disputes and failed to provide me with the proper paperwork to show ownership. These derogatory accounts have caused me tremendous hardship in accessing credit, loans, and employment opportunities in a time when it's already hard enough with what's going on.
Product: Mortgage

The taxes on my property were not paid by the mortgage company for several quarters beginning in XX/XX/ 2020, as a result, my account became delinquent and penalties were added. I contact the mortgage company Lakeview Loan Servicing, and spoke to Ms. XXXX and was directed to email her at XXXX. Afterwards I was directed to contact XXXX and start a complaint process. Over the course of the next 8 months I contacted thirdparty on numerous occasions and never heard back. In XX/XX/2020 I refinanced the property, at which time I explained the issue to my closing attorney. He sent out a certified letter requesting a response from the company, at which time they did not respond to his request. I pay my mortgage on time every time, and have never been past due. I don't understand why my taxes weren't paid and allowed them to be delinquent. In addition, their lack of professionalism has left me with no other choice but to file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Earlier in 2020, my friend opened an account with a gym. At that that gym ( XXXX XXXX XXXX XXXX required that he have a credit card on his account. He did not have his credit card with him so I authorized to place my card on his account. I was assured that after he called in with his credit card info, my card would be removed. 

In XXXX I was charged for his account. As soon as I noticed the charge, I messaged them to remove my credit card info. They assured me that they would handle the matter. 

Then the presence of covid required quarantine and gyms closed for a few months. When they opened in XXXX, XXXX XXXX XXXX charged my card 4 times for a total of {$350.00}. I was very angry and immediately messaged and emailed them demanding that they reverse the charges. 

Their response to me ( attached as proof ) was that : 1 ) They would not remove my card until they had another card to replace it.

2 ) They claimed to have only charged my card three times totaling {$250.00}.

The only thing that I felt I gained from the interaction was the fact that they admitted via email that the account I was being charged for was not mine.

Still frustrated, I contacted my bank ( Discover Bank ) to dispute the charge. They took my info and gave me a provisional credit. 

But fast forward to today and they reversed that credit siding with XXXX XXXX XXXX. They even reversed the forth charge that XXXX never admitted to having!
Product: Money transfer, virtual currency, or money service

My complaint is against the company Coinbase. They have a referral program that promises a certain reward for referring customers to their services. In order to achieve such, you must either send an email or give a personalized link to the referred party and after they purchase or trade {$100.00} worth of XXXX and validate the account they reward you with the promised amount of XXXX. I completed this process with my mother who was interested in crypto at the time. I set her up with the referral link and helped her purchase {$100.00} worth of XXXX. The promised reward was meant to be deposited after a max of 4 business days. Today is many months ( about 3 or 4 ) after we purchased her crypto and I have still not received, nor been confirmed to receive my reward. I have contacted Coinbase on this issue and they responded as follows. " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible. '' My feeling is that their automated process is not functioning properly as I have followed all guidelines. It is not sufficient to deny me these funds because of an issue with their automated systems. They have assured me they will not help me receive said funds. I have provided them with my mothers very personal information including social security number and photocopy of her drivers license under the promise of compensation, and we were denied such. I feel this is fraudulent and they have stolen said the personal information for their own financial gain. Thank you very much for hearing me out and considering my complaint. I hope this does not occur for others as personal information is becoming ever more sought after and important. Please prevent them from doing this from others. I have attached a photo showing that I have never received compensation for my referral and the email which they responded to me with when I asked about said compensation.
Product: Credit reporting or other personal consumer reports

Per the investigation the student loans would be removed from my report, as of today the loans are still showing derogatory on my credit report, this is hindering me from obtaining a home for my family and I was not informed of my rights, under the Gramm Leach Bliley Act I have the right to opt out of sharing my information with non affiliated parties please remove immediately my rights has been violated. Thank you for your time and understanding.
Product: Debt collection

XXXX XXXX of XXXX XXXX sent me a letter stating they have placed a Lien against my house. I have not received any notice company bought off the Lending Club loan that was charged off my credit report. XX/XX/XXXX I hired a credit repair company that did not process my case and charged me fees upfront without negotiating my debt and several of my accounts went into default. Since XX/XX/XXXX, these accounts have been charged off. In XX/XX/XXXX I received such a letter and have not received any correspondence on how to fix the issue. My children have recently heard or seen a nucence lady come to the door and ask for me but has not stated what business she has or will not leave a number or name. I understand I have gone in default on several loans but do not know how to make it right. I'm currently trying to refinance but am afraid this company is trying to block me from refinancing and there will not be a way to make things right if they have not followed the law by presenting the issue and allow consumers to make it right. Since hiring the credit repair company I have done all in my power to maintain my finances in line and pay off my debt. I believe this company has not presented its case in law that is fair to me as the consumer and there should be a way to take action again them, scare tactics are not an appropriate approach to making things right financially. 

Companies that may have purchased Lending Club loans are XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX.
Product: Debt collection

the company Mid Atlantic collection service keeps calling me from random numbers XXXX, they claim I took out a online payday loan ( I have never used this kind of service ) they claim to have my social security number and reference a address I had over 10 years ago. They are threatening me with bank fraud, wire fraud, and owing a payday loan company. also say they are contacting my employer and do not have any information validating their claim. As I read other complaints it looks like fraud to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get my credit report for the last 3 years from Equifax and XXXX since I'm being sued by a company I've never heard of and neither company wants to give me more than 1 year reports. The suit alleges the debt occurred at least 2 years ago and I believe it is because of leaked info by one or both companies. I have 20 days left to file an answer with the courts since they gave me 21 days and I was served yesterday, this should be an easy download for them since they are so quick to report bad things but take years to resolve them
Product: Credit reporting

I have asked and begged Equifax to remove accounts no longer legal able to be on my credit file because they have not verified the information. Like XXXX XXXX did and So did XXXX I am for the Final time before I file a lawsuit asking them to remove 1.Student Loans XXXX that ca n't verified my XXXX and XXXX nor XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I file a lawsuitagainst themthey have 24 hours
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I C SYSTEM XXXX Balance {$1400.00}
Product: Mortgage

I fell behind on my payments for a home equity line of credit due to Covid 19. Wells Fargo allowed me to suspend payments and recently I was working with them to do a modification. I was initially informed that the payment would be reduced and the loan could be modified after making initial 3 months of trial payments. On the XXXX month I was sent a packet with documents detailing the new agreement and asked to sign off and send to them within 15 days. After reading into the detail it showed that my payment would be increased on the 2nd and 3rd year to an amount higher than initially told, When I spoke to the home preservation department I received conflicting info and no clarity to how this happened. I was told by a rep that I could think about it and that the time period wasn't exactly 15 days but I should just keep paying the monthly trial payment. I proceeded to make a total of 4 payments and when attempting to make my 5th payment I noticed the account was missing from the web portal. I then received a letter stating that the modification was cancelled. When I spoke to the bank they informed me that I was in foreclosure and I would have to re apply for assistance but first send a letter stating why. I'm now waiting for another application but was told that this could be done online and an email would be sent to upload any needed documents. After waiting a week I received no email and I'm still waiting for the application. I don't feel they have been trying to help with anything and I simply want to get this resolved before a foreclosure happens. I received a letter with the inten to foreclose and I'm very unhappy with the deceptive tactics being used by them. Please help!!
Product: Credit reporting or other personal consumer reports

Affirm is saying saying I owe over XXXX in money and reported it to my creditors I never authorized any of the transaction i ever filled a police report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandated a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No.2025-CFPB-0002 ) against them for similar violation. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Below are the account that are inaccurate XXXX XXXX - Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX - Account number XXXX XXXXXXXX XXXX XXXX- Account number XXXXXXXX XXXX XXXX XXXX  - Account number XXXX
Product: Mortgage

In XXXX XXXX I entered into a loan agreement with Washington Mutual Bank FA. JPMorgan Chase allegedly started to service the loan after Washington Mutual Collapse on XXXX XXXX. On XXXX XXXX, XXXX I sent to Chase Registered Return receipt, a Detailed XXXX Page qualified Written Request ( QWR ) Regarding this loan. Chase did not provide the information as was requested other than a form letter indicating ; " That they are investigating issues and will work to provide a complete and accurate response '' On XXXX XXXX XXXX, I sent JPMorgan Chase A Rescission letter indicating my wish, desire and right to cancel the loan originated by WAMU under the Truth In Lending Act TILA. I further sent XXXX XXXX on XXXX XXXX XXXX a copy of the letter that was sent to Chase instructing both parties to cease all collection activities on this loan and to comply with the dictates of TILA. Neither Chase, or XXXX has complied. Instead, Chase and XXXX has continued to pursue its collection activities in the circuit court where they obtained a judgment and the district court of appeals where the judgment was XXXX XXXX. Chase and XXXX also deployed the services of XXXX XXXX to achieve their endeavor. Chase and XXXX has now filed papers in circuit court on XXXX XXXX, XXXX to schedule a sale date on my home. I have been forced to defend these collection practices by Chase, XXXX XXXX, and XXXX even though to date, Chase has not produced one scintilla of evidence that they are the Owner and Holder of this loan, or their right to enforce the note. Instead Chase and its lawyers named have continued to violate my rights under TILA and the consumer protection that such regulation affords me.
Product: Debt collection

I received letter dated XX/XX/XXXX stating payment was due on XX/XX/XXXX and a courtesy plan was set up. I was never advised I could verify or dispute debt. In addition, I have made a payment on XX/XX/XXXX and I asked the representative if there would be a follow-up letter sent out in regards to the payment and she stated it would. I never received the letter. I fortunately saved the previous letter and called to make a payment on XX/XX/XXXX and asked the representative about my previous conversation with the representative and he told me that they do not send out multiple letters unless there is a payment arrangement set up and I asked, How can I verify what is due and the payment amount. I advised that typically collection companies will send out some form of communication regarding the debt he advise that their company does not.
Product: Debt collection

National Principle group calls me out of the the blue and stated I had i r took out a payday loan over the internet in 2010. Asked if I had ever lived at XXXX, and was my email XXXX. They then proceeded to tell me I took out this payday loan and deposited into my XXXX XXXX bank account. I told them I never had a XXXX XXXX account. I politely asked them to send me all the paper they had for my review. I did n't no tell them I have XXXX sisters that are XXXX. ) They told me me I was just causing time and I said no. I just wanted to follow the paper trail because there is always one. XXXX at XXXX x XXXX to me to pay the {$500.00} + dollars today and take care of. I asked her to send me in the mail all of her paperwork for my review. She said I was just stalling. She stated she would send it to my email, but I have n't seen anything.
Product: Credit reporting or other personal consumer reports

You ask if I've requested information from the company/companies. That's impossible. No live person to talk to. I tried freezing my credit first with Experian by phone. I answered security questions as expected and was then told my " pin '' number would be emailed to me within 24 hours. WITHOUT ASKING ME TO VERIFY MY EMAIL ADDRESS. As expected, no pin number email. Did get a confirmation number though. I called back trying to unfreeze but was instructed by automated system to request that by mail. 

Then tried a freeze with XXXX. Roughly same security questions and then silence for an awkward amount of time. Then simply the same automated voice saying " your freeze was successful, thank you for calling '' .... '' main menu .... '' WHAT? Again no pin number to lift the freeze??? I am SO nervous! I assumed I could expect a level of professionalism, but this is TERRIBLE!!! Children could do a better job. Please tell me what to do next. Oh..and I'm NOT trying this with XXXX.