23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CBCS claims I owe them {$90.00}. Im very familiar with my rights as I work with credit disputes. They are unwilling to provide me any documentation substantiating their claim other than a screen shot of their transaction information. Ive loged into the hospitals billing center and confirmed that i have no past due bills. I have explained this to CBCS and requested original official documents showing absolute proof and they have refused to accommodate. I spoke with a supervisor who told me the burdon of proof is on me, which i know is false and to lie to me about this is a violation of my consumer protection.
Product: Credit card

got a card to get a pellet stove they approved us for XXXX then when we got the stove picked out it would not go thru not sure how XXXX at XXXX XXXX did it but it finelly went thru so we decided to make another purchase on the card with the same XXXX XXXX and could not get it to go thru they said that that XXXX XXXX was no longer on thier list of people to purchase from even thou we just got our stove about XXXX month eailier. Wells fargo is issuing credit cards that can not be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or around XX/XX/2018 I spoke with an Amex representative on the phone, who told me that ( despite being a previous delta skymiles cardholder ) I would qualify for signup bonuses of XXXX skymiles and XXXX skymiles for the XXXX XXXX and Gold Delta credit cards respectively. Additionally, I would also receive statement credits of {$100.00} and {$50.00} for the XXXX  and Gold cards respectively. In order to receive these promotions, I needed to meet minimum spending thresholds on each card, which I did on or around XX/XX/2018. However, after several months without seeing the statement credits or point bonuses in my account, I began calling XXXX to resolve this issue. My first call was on or around XX/XX/2018 with repeated calls about once per month until the present date. On each call, I was told that my case was still being examined but I was told that it sounded like I should have received these promotions. Today, I made a final call and was told that my case was denied and I would not be receiving my promotional offers. 

I feel that I have been taken advantage of by Amex and was mislead into applying for these two credit cards and paying {$190.00} in cardholder fees, only to be denied the promotions I was promised. Until now, my attempts to resolve this issue with Amex have been unsuccessful and I feel powerless to hold the company accountable for the promises they made me and for treating me fairly. This is why I am filing this claim to receive the support necessary to make my case right and receive the promotion that was promised to me at the beginning of this year.
Product: Money transfer, virtual currency, or money service

I was charged cash for XXXX orders that I didnt receive and I told them that multiple times I was told to email the company send letter and faxs to chase bank and kept saying they wasnt receiving any information regarding my case so I gave up my account was negative XXXX and I want my money back
Product: Mortgage

We are escalating this matter due to the lack of communication and customer service we have experienced with DHI Mortgage. On XX/XX/XXXX we were pre-approved for a mortgage loan to start the building of our first home. During that time we received no communication regarding the loan process until I received a phone call from our loan officer on XX/XX/XXXX advising they will not be moving forward because my income had changed. I provided a letter from my employer providing a breakdown of my bonus structure. However, it was communicated that we can go to another lender. We proceeded to do so, and received a verified approval on XX/XX/XXXX from XXXX mortgage. 

Our realtor submitted the verified approval, however DHI did not take the time to review it and declined it with no explanation why on the same day. The only feedback received was " Corporate '' denied the loan and still no explanation why. 

As a consumer I have the right to know the reason why the mortgage loan was declined, and what steps were taken to make this decision. We did everything that we were told to do by the loan officer ; however, she failed to communicate regularly or update us on the status of the application until the very last minute. 

We are requesting for DHI to provide a detailed breakdown for the reason of their decision even after providing them with the verified approval from XXXX Mortgage. 

Thank you. 

XXXX XXXX XXXX Email : XXXX XXXX
Product: Student loan

The lender continues to attempt to collect on the debt without validating the debt after I sent a formal request. They continue to violate the Fair Debt Collecting Practices Act. The are also continuing to charge interest without substantiating the debt.
Product: Credit reporting or other personal consumer reports

I made timely payments for XXXX XXXX in XXXX. Additionally, I had deferred payments for both XXXX and XX/XX/2023. Also, I had a deferred payment for the month of XXXX and XX/XX/2023 from BMW Financial. Despite my repeated attempts to dispute these matters, the companies persist in reporting the accounts with late payments. 

XXXX XXXX promptly updated the XXXX month, but unfortunately reported the month of XXXX as late. Although the account was settled in XXXX, they still persist in reporting it as late.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/year> Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/year> Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : Bridgecrest XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on Bridgecrest Formerly XXXX  The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank your
Product: Debt collection

My property was Foreclosed on on XX/XX/2016 by, XXXX , XXXX . not in its individual capacity but solely as Owner Trustee for XXXX XXXX XXXX XXXX-1. I believe this was a fraudulent action, and am trying to get answers to long awaited questions, and concerns I have related to this matter. My complaint is that I can not find any viable Trusts in this name. 

I have been filing a specific request to this Association, " Trust, '' and it has continuously been sent to the Servicer, PennyMac. This would have been ok, if they would answer my questions appropriately, yet they have not. They continue to send information I have, know, and am not inquiring about. 
PennyMac continues to respond by explaining very well who 'they ' are, the " SERVICER '' and their role of, and being " SERVICER '', but this is not the information I have asked for, nor need any education in the duties of. 

I evidently need to be even more direct. 
Please do not send this complaint to the SERVICER, Penny Mac. Please send it to the Trusties for, XXXX , XXXX XXXX not in it's individual capacity but solely as Owner Trustee for XXXX XXXX XXXX XXXX. 

1 ) I want to know who XXXX XXXX Financing XXXX is? 

2 ) What does these initials stand for XXXX XXXX? 

3 ) What is their address? 

4 ) Is XXXX XXXX XXXX XXXX actually really Pennymac? 

5 ) Who and what are the names of the Trusties for XXXX XXXX XXXX? 

6 ) What is the filing number for your Association, " Trust '' XXXX XXXX Financing XXXX to do business in the state of Massachusetts which is required by Massachusetts Law under Article 2 of Chapter23.95 RCW?

7 ) What does the date XXXX mean? 

I now expect with this more detailed complaint that I know will be able to receive actual correct responses to my questions rather than the continuing insult to my intelligence. 


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

Hard Inquiries on my credit report from XXXX - XXXX on XX/XX/2018 I closed credit account with a charge didn't authorized. 
Credit card closed account and removed the charge
Product: Credit reporting or other personal consumer reports

Hi, I am writing to file a complaint against TransUnion for failing to remove fraudulent inquiries from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I noticed several fraudulent inquiries on my credit report from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Upon discovering these inquiries, I immediately reached out to TransUnion to dispute the fraud and request the removal of these unauthorized inquiries from my credit report. However, TransUnion has refused to remove them, despite the fact that I did not authorize any of these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2, I am entitled to have fraudulent information, such as unauthorized inquiries, removed from my credit report. TransUnion has not complied with my request, and they have not provided any valid explanation for their refusal to remove the inquiries.

I am requesting that the CFPB investigate this issue and help ensure that TransUnion complies with the FCRA and removes these fraudulent inquiries from my credit report.

Thank you for your attention to this matter.

Sincerely,
Product: Credit reporting or other personal consumer reports

Previously marked as duplicate complaint!!! 

Company failed to remove permanent after previously removing this account And adding it back based on a false automated verification of fraudulent information attached to the account. The information attached has been removed and deemed as inaccurate or fraudulent and or proved to have been shared without my permission initially or at anytime. The company " XXXX '' sold the debt multiple times to various companies yet failed to relinquish any responsibility to me that may have previously been owed or responsible for before the purchase of the debt along with my personal information that of which I did you give permission to be sold and or obtained by and lenders, creditors, credit furnishing bureaus etc. please remove all derogatory accounts permanently from the report and delete from XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX database. XXXX also have failed to deliver up to date electronic credit report online per my request.
Product: Credit reporting

My husband and I requested our credit reports for the first time on XX/XX/XXXX and in the cases of XXXX and Equifax , we were asked questions about possible loans that we might have. For example at Equifax : " Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? '' There were multiple choice answers. When we checked, " None of the above. '' we were told we must submit a request for the report in writing, and could not locate a person to speak to as to whether or not there is a listing under our name for a car loan. A similar question about a mortgage was given at XXXX. We have no loans, but now can get no information about whether someone has appropriated our identity to obtain loans. However, Equifax offered to sell us a better security system ( lock ) to ensure that no one in the future could use our information. Is this a scam on the part of the credit agency? I feel we are entitled to immediate information from them as to our credit rating and possible abuses.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid XXXX and the payment instead of being applied for XX/XX/XXXX it was applied to XX/XX/XXXX2021 month and I had already made XXXX 's payment. They told me I still owe for XXXX since it was applied for previous month. This is unfair and if I don't come up with the money it will generate a late fee and I feel this is unfair and wrong. They don't even want to correct the payment and apply it to XXXX. My payments are due by the XXXX of each month and I feel any payment recieved in that month should apply for that month. This is nothing more then to generate a late fee if I can't come up with the payment.
Product: Checking or savings account

I deposit a check on XX/XX/XXXX it was held until XX/XX/XXXX for XXXX i was also declined from XX/XX/XXXX to XX/XX/XXXX on transactions and stated it was fraud when i counted the bank multiple times to verify charges. I also went into branch on XX/XX/XXXX could not withdraw money from atm or deposit my checks and my account was again declined and frozen. I also applied for a credit line i verified my information and then told i needed to make a deposit of XXXX to open a credit line. i am being targeted by Bank of America and discriminated against this is personal. This has been going on since I open the account in 2019. I was declined my PPP that was XXXX because Bank of American messed up the time frame to provide the loan and from this point on i have had nothing but problems
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the bureau to start the investigation on these accounts immediately, as I've never been late, but they're reporting me as such.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold off the debt for XXXX to a Collection Agency name XXXX XXXX XXXX XXXX Its showing as two different accts for the same debt. So both XXXX and XXXX is asking for the debt but XXXX no longer owns the debt yet it shows a balance and is currently reporting charge off. This is inaccurate reporting and I demand update or remove the XXXXXXXX XXXX  account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In the previous 3 to 12 months, I have disputed XXXX BANK through ALL XXXX major credit reporting bureaus. Upon each investigation, the status of the above account remains " unchanged. '' XXXX BANK put this account into collections and subsequently CLOSED this account. However, according to ALL 3 CREDIT REPORTING AGENCIES, this account is listed as an OPEN account. The XXXX account went delinquent when I became very ill, lost my job and became homeless from XX/XX/XXXX until XX/XX/XXXX. During these years, I was living in my car and/or family/friends or providing in-home care for the elderly. I had no viable means of income and this account went into default. 

As a result of XXXX BANK erroneously stating that this account is open, has caused me to pay extraordinarily high interest rates, and be denied for housing or paying an " extra deposit, '' to rent apartments. 

XXXX BANK has already benefited from this capital gains/loss via the INTERNAL REVENUE SERVICE by stating this account was closed and charged-off. Yet, they continue to report this account is " open. '' By their own admission, the above account is CLOSED. Please help me correct this inaccuracy. I have tried several times through the XXXX, XXXX and Experian to no avail. Thank you. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX, mobile XXXX or XXXX ( landline )
Product: Money transfer, virtual currency, or money service

I have attempted for more than a dozen times over 30 days every available means to contact Coinbase only to be advised regarding my concern, complaint, I will be contacted. Password resets are not replied to, nothing happens. Their only last resort phone line is an auto-reply to lock your account. Coinbase has effectively closed all forms of direct communication and only accepts the complaints without any form of reply other than an auto answer acknowledgement. There is no direct communication available. With $ XXXX of dollars locked up, it is infuriating. 

Imagine a Bank where there is no Branch, no phones, no ability to access your funds, and no one to complain to? You have no cheques, no proof the deposit exists, and no insurance. Would you ever deposit your money in such an account?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contact Equifax multiple times about inaccurate inquiries that was not authorized by me and I know according to the fair credit reporting act any things that has not been verified or authorized legally has to be removed The first 1 is XXXX XXXX XXXX cre on date XX/XX/2021 The second is XXXX XXXX on XX/XX/2021 The third is XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/2021 XXXX
Product: Vehicle loan or lease

In XXXX XXXX XXXX I began leasing a XXXX XXXX XXXX XXXX. The Car Dealership was later investigated and shut down for fraud. When I signed the lease I was mandated to sign up for extended warranty per the terms of Credit Acceptance. I paid throughout XXXX, but in late XXXX I moved to Florida for work. On XX/XX/XXXX of XXXX, I was in a no fault accident and my car was rear ended. Since the control for the hybrid system to work is in the trunk and the assessor believed that it would likely become damaged and unsafe with weather- they considered it a total loss. I then spent a year and a half riding a bike to work till i could save for a car. For the past two years I've been paying my Ally Auto payment on time, but Credit Acceptance keeps hitting my credit for 'Missed Payments ' of over $ 3+ for the reminder of the loan which was essentially the extended warranty for a vehicle I no longer have. They repeatedly refuse my disputes, and I can not afford to pay for an extended warranty on a car I no longer have. They're causing me financial burden because Everytime my Credit Score goes up even just a little - their missed payments take it down again. I can not get anyone on phone there because 'my info isn't valid '. They have a complaint form with their info, but I have no access to the account numbers and I feel this is highly corrupt to do to people who lost their vehicle and it's been 7 years now but they're hitting my credit score hard weekly it seems. Please help me fight this ridiculous company so that I can build my credit and be eligible for a home purchase one day.
Product: Debt collection

Cedars Business Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Fraud/Aggravated Identity Theft I am aware Thea my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United Staes in accordance with 18 U.S.C 8 and being that Cedar Business Services , LLC is attempting to collect a debt from, I the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.

Cedars Business Services , LLC is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NO CONSENT to Cedars Business Services , LLC furnishing this information to my consumer report. I did not give authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Cedars Business Services , LLC for the account opened XX/XX/year>. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning Cedars Business Services , LLC into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right too commence legal proceedings to recover damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply. 

XXXX : XXXX Without Prejudice All Natural Rights Reserved