23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out that someone had opened a store credit card in my name only when I ran my credit report and it came up that I was in collection by a company called 'Resurgent/LVNV Funding. Apparently someone got a store card from this store called 'XXXX ' and charged {$51.00} in XX/XX/XXXX. The bills were going to my house in XXXX, which is vacant. I live in XXXX. I never got any bills from XXXX, I called them and they admitted that the bills were coming back 'undeliverable '. Yes - I have no mailbox there. So they sold the debt which went from {$51.00} XX/XX/XXXX to {$320.00} in XX/XX/XXXX ( late fees, etc. I suppose ). So I found this out in early XXXX and filed a dispute with XXXX. I also contacted XXXX, which I am a member. I got no where. I contacted Resurgent on XX/XX/XXXX and they sent me an affidavit, which I promptly signed/notarized and sent back. I followed up on XX/XX/XXXX and again XX/XX/XXXX and spoke to the same person, 'XXXX  XXXX and she is still telling me that it is in 'Review '. They tanked my credit score from XXXX down to as low as XXXX at points. I could not get any other credit cards this summer. 

How can this be?
Product: Credit reporting or other personal consumer reports

RE : XX/XX/XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XX/XX/XXXX The information listed below, that is currently listed on my credit report is a result of that XX/XX/XXXX. Listed below are the Personal Information that are being challenged Employer - XX/XX/XXXX Incorrect Name : - XXXX I XXXX Employer - XX/XX/XXXX Incorrect CurrentAddress : - XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Listed below are the XXXX that are being challengedXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXXXX/XX/XXXXXXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I called the fraud department of TransUnion, XXXX and XXXX to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be removed.
Product: Credit card or prepaid card

ON XX/XX/XXXX I ATTEMPTED TO MAKE A XXXX PAYMENT FROM MY XXXX ACCOUNT TO MY DISCOVER CARD, AFTER WAITING 24 HOURS, I SAW THAT THE MONEY WAS STILL IN MY XXXX ACCOUNT SO THEN I ATTEMPTED TO RETRY THE XXXX FROM MY XXXX ACCOUNT TO MY XXXX. FINALLY ON XX/XX/XXXX THE PAYMENT WAS AUTHORIZED. SIMPLE ERROR ON MY PART. ON XX/XX/XXXX DISCOVER CARD CLOSED MY ACCOUNT STATING " UNSATISFACTORY PAYMENT HISTORY '' BECAUSE OF THE 2 TRIES TO MY ACCOUNT. PRIOR TO THIS, ALL MY PAYMENTS TO DISCOVER WERE ONTIME AND SENT FROM MY XXXX XXXX XXXX ACCOUNT. THIS IS VERY UNFAIR TO CLOSE THIS ACCOUNT, FOR THE PAST 5 YEARS, I HAVE CLEANED UP MY DEBTS AND CREDIT REPORT, THIS WILL BE A BLACK MARK ON MY REPORT, FOR A SIMPLE ERROR, I SHOULD HAVE BEEN MORE PATIENT WHEN SENDING THE FIRST PAYMENT. TRIED TO EXPLAIN TO DISCOVER LAST NIGHT, AND THEY SAID, IT WAS AN ADMINISTRATIVE DECISION.
Product: Mortgage

I am referring to a prior complaint that I have had to Select Portfolio Servicing which I outlined in my prior complaint to them Reference # XXXX in which I have disputed my account with SPS which began with a modification done by XXXX on our mortgage since a modification XXXX did on our mortgage account in XX/XX/XXXX. 

SPS responded to CFPB that SPS needs specific information regarding those payments I believe have not been accounted for. 

I have submitted documentation to them subsequent to the complaint I submitted to CFPB in the form of bank statements showing payments made to XXXX in XX/XX/XXXX, to XXXX in XX/XX/XXXX and XX/XX/XXXX and the XXXX Payment Transaction History which substantiates my payments to them and not credited to my account and clearly shows the excessive capitalization for accrued interest and escrow charges made on my mortgage account since XX/XX/XXXX by XXXX, XXXX, and now SPS I wish to reiterate that the fact that I signed a mortgage modification does not nullify or excuse bank errors made on my mortgage account since XX/XX/XXXX. 

SPS recently responded with a letter dated XX/XX/XXXX a copy of which is enclosed in which SPS responded to my inquiries of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding the missing payments. In this letter SPS clearly states in answer to my inquiry that XXXX Bank responded to my concerns in their letter to me dated XX/XX/XXXX, which is completely in error. I sent SPS copies of payments made in XX/XX/XXXX which clearly show that we made payments through XX/XX/XXXX. XXXX has stated in their letter that we made payments through XX/XX/XXXX. which is a bank error. # As I stated in my complaint # XXXX, XXXX did not credit us with a replacement cashier 's check sent on XX/XX/XXXX and charged our account with that payment of {$6400.00} plus {$3000.00} in corporate advance and interest fees. This increased the modification agreement by {$27000.00} and the revised modification agreement they sent to be returned on XX/XX/XXXX, required that we send a cashier 's check for {$3000.00}. This represents a complete bank error on their part which I have disputed since XX/XX/XXXX as stated above. And now SPS is excusing this error by sending a copy of the XXXX letter dated XX/XX/XXXX. The bank errors on my mortgage account started there as I have written in my former complaint # XXXX to CFPB submitted on XX/XX/XXXX. 
Please see enclosed documents Also SPS has offered me a repayment plan on my mortgage which I can not meet in the amount of {$6100.00} per month which is twice the amount of my current mortgage payment. This offer was made without their obtaining or requesting current income information from me. I understand it is illegal for a lender to offer a mortgage payment to a borrower without substantiating their ability to repay the mortgage. This amount is excessive for me to pay based on my current income. I consider their repayment plan to be unconscionable and unfair. If I can not meet that repayment plan I fear SPS will begin foreclosure proceedings against my property.
Product: Credit card

On XX/XX/year>, I ordered a hack squat machine for {$1900.00} from XXXX XXXX  XXXX XXXX, XXXX. Delivery lead time was XXXX days. I agreed to the lead time. 

The very next day, I received a FedEx shipping notification and learned that the wrong machine had been sent to me. 

XXXX XXXX  XXXX XXXX, XXXX confirmed they sent the wrong machine to me. 

XXXX XXXX  XXXX XXXX, XXXX directed me to refuse the delivery, which I did on XX/XX/year>. 

I obtained documentation from FedEx confirming I refused the delivery, a Legal Notice of Refused Freight document. 

On XX/XX/year>, I requested the cancellation of the order and a refund of {$1900.00}. I spoke to a XXXX over the phone who agreed to process the refund. 

On XX/XX/year>, I disputed the charge with Best Buy Visa Card because I had not received a refund. 

On XX/XX/year>, Best Buy Visa Card somehow concluded that I was responsible for the charge despite the fact I refused delivery. 

On that day, Best Buy Visa Card returned the charge on XX/XX/year>, of {$1900.00} to my account balance, and also added two more charges of {$1900.00} for a total of {$5900.00} At this point, I have been charged three times for a single purchase that I refused delivery and do not have.
Product: Debt collection

Conns contact me doing church doing my job after XXXX and they call me at least 7 to 8 times a day
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

Account was opened with {$10000.00} us dollars and after the account had a debit of {$2000.00} us dollars the company closed my account without returning any proceeds from interest payments and without my approval. The company representative was very disrespectful and threatening towards me. Ultimately Causing my company to lose customers and revenue of {$50000.00} approximately and future contracts
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are showing id theft information related to cfb ftc cases and need to be removed today due to failure to provide proof of account ownership
Product: Credit card or prepaid card

I was a XXXX. student in XXXX working on my XXXX. The school suggested I use XXXX XXXX. To the best of my memory the cost was {$69.00} which I gave them my American Express card number. I finished my work with XXXX XXXX. Each year since then I have received an expense to my American Express card in the amount of {$320.00}. Each year I have gone to XXXX XXXX to end the service. Ending the service requires the user to go online access their account and click the button to end the service which I have done. Each year I have disputed the charge with American Express with no resolution. After many years I have had enough. In addition to the expense, I have realized that it is not only XXXX XXXX that I am being victimized but American Express as well. Each year following the dispute, they tell me that XXXX XXXX provides documentation reporting that I have a subscription for the service. I respond that I do not have a subscription. American Express sides with XXXX XXXX and does not provide me any documentation provided to them by XXXX XXXX. American Express reports that they will block this vendor from accessing my account. When I spoke with them and mention that they tell me the same thing each year with no success, they simply say that they can not access accounts older than 9 months. The XXXX XXXX charge from XX/XX/XXXX was just placed back on my account in XX/XX/XXXX. They did offer me reward points. 
I reminded them that reward points are not dollars and that the {$320.00} represents after tax dollars. There seems to be no end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a job in late XXXX and requested current offers in XXXX. Received hundreds of job postings ... one that looked good was a XXXX/XXXX   XXXX  from XXXX and now branching to the US and needed a XXXX XXXX  for Florida. I applied for that position and, after the company reviewed my background check and credit report, they offered me the job. 
There was a 30 day probationary period where I had to complete eight assignments, the first of which was to XXXX XXXX XXXX for XXXX and XXXX clients who could not procure these products in their home country or they were too expensive over there. 
The company would deposit the amount of funds into my Capital One credit card to make the purchases. I did as much due diligence on the company as I could, and everything seemed to check. I was sent {$7000.00} initially and then another {$2400.00} into my Capital One accounts, and made the purchases of high end computers. A few days later I got some calls from sources I was trying to contact and discovered it was a fraud. I immediately called Capital One and told them to remove XXXX XXXX  from my kisted banks, before the fraud affected the cash they had sent me. 
They said they would but found out 3 days later that they " re-directed '' one of the payments back to XXXX XXXX.and I called XXXX XXXX  to explain what had happened, and they told me that since I didn't have an account with them ... .they couldn't discuss the matter, and told me that I needed to get Capital One involved and have them call him back,,, ,it was an XXXX XXXX ( or close to that ) .Their number in N.Y. is XXXX ... 
Capital One wouldn't get involved, in spite of the fact that I had the perpetrators cell phone number, address and lots of other information that I had files on in my computer. 
I connected with the Capital One fraud department, also three full days before they redirected my funds back to XXXX XXXX, in spite of the fact that I called them ( and it's on tape ) to halt any money exchanges with XXXX XXXX. Two males in the Capital One fraud department told me not to worry about it because I was 100 % protected for this fraud. But the story changed as I went along and they became much more deceptive as each conversation with them transpired. 
Capital One has also destroyed my credit rating even though I disputed the narrative they seemed to believe. All they wanted to know was that I charged items with their card and therefore I was responsible. Their phone number is XXXX. 
By immediately damaging my credit rating in spite of my dispute, they have violated the Fair Credit Protection Act. They also violated the acts dictum that they can not breach the cardholders limit on his/her credit ... .which they did by going over my limits by 90 %. 
I have much more to tell you about this episode and other conversations I've had or was supposed to have with Capital One employees, but they never kept any promises they made to me. 
Please contact me with any additional information you need and I will reply immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Thank you for your prompt assistance in this matter.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached the documents and IDTheftReportXXXX LATE PAYMENT Account Name : XXXX Account # XXXX Date Opened:XXXX Balance Owed : {$0.00} Account Status : Closed Account Name : XXXX  Date OpenedXXXX  Balance Owed : {$0.00} Account Status : Open INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX UNIVERSITY
Product: Credit reporting or other personal consumer reports

I was told to wire the money to my account that the agent advised me to do because that was the only way. Since then, I have paid the bill every month on time to my knowledge. Even while the money was in the account, I would get a notification that my bill need to be paid. Every month for more than a year, they marked me late. They charge me fees for incorrect reasons and once I showed them proof of why it was incorrect, only was reimbursed partial of the fee.
Product: Mortgage

Over the past year I have attempted to request assistance from Wells Fargo for a mortgage loan modification. These attempts were requested by my wife and I with no success. Due to the lack of assistance from Wells Fargo our marriage has suffered and my wife and I legally separated in 2015 late in the year. I provided a copy of the legal separation and Quit claim deed documents to Wells Fargo and I have not had any response from them to reconsider the loan modification using my income only. The present interest rate stands at 6.25 % which is approx. 2.00 % higher than the national average.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Over the span of a week, I attempted to get my account current, making two payments totalling over {$1800.00}. This amount was supposed to -- according to the personnel I spoke to on the phone- get me current- up to date with late payments- and late fees. After the payments were made- I today checked and found over {$300.00} in late fees, and my payments are not caught up. This is fraudulent and dishonest on their part. Their phone agents have no idea what is going on with the account. This is robbery. I can never get caught up.
Product: Student loan

I had a private loan dispersed with National Collegiate Trust. There is not phone number to contact them or anything like that. I deal with American Education Services to pay my bill and apparently they give National Collegiate Trust the payment. I ca n't afford the payment and they are not working with me to lower my payment. My interest in 7 % and my loan is too high due to interest. the Original loan was taken out for {$28000.00} and has now increased to {$51000.00} They have doubled the interest and will not work with me. I have tried to work with them by paying some of the payment, however, they still call and harass me to make payments I ca n't afford. My account number is, XXXX. My name is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I tried to log into my Robinhood investment account to trade {$100000.00}. of XXXX stock and buy XXXX stock. my account was frozen by Robinhood until I uploaded a picture of me and my official ID. This is a new requirement which Robinhood gave no advanced notice of the change. They have not replied to my latest attempts at rectifying this issue. ( Robinhood Case ID : XXXX ). My funds are in limbo and I have no recourse other than submit more private information to Robinhood which was not needed to open the account, transfer money into it and initiate the initial trades.