23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I re-financed with loanDepot two months ago. I have always made partial payments with my previous lender ( 2 per month from my banks bill pay service ). loanDeport advised that they do not take partial payments AFTER suckering me into signing closing papers. I informed loanDepot that if they had disclosed their terms in the closing documents I would have stayed with my previous lender or gone with another lender as I had other offers. loanDeport replied that if I continued to send partial payments XXXX things could happen " ( 1 ) returned to you, ( 2 ) applied to your loan, ( 3 ) accepted but held in a non-interest bearing unapplied funds account until you send us additional funds sufficient to equal a full periodic payment due. '' I replied that option 3 was OK with me as this is what my previous lender has done. loanDepot also informed me that the only way they took partial payments was if I signed up for their " Budget Plan ''. In other words they want to force me to give them control of my payments and let them have my bank information. I did review all my closing documents and loanDepot 's only disclosure was the amount of my monthly payment and the date is was due. No disclosure that I had to make the entire amount in one payment. 
I made a partial payment of {$500.00} on XXXX/XXXX/16 and loanDepot choose to apply the payment as additional principal.
Product: Credit reporting or other personal consumer reports

To Whom This May Concern, accounts below need to be updated immediately for late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT TYPE : Auto Loan In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX. XXXX XXXX XX/XX/2024 My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Product: Prepaid card

I have a {$100.00} XXXX prepaid card on the XXXX website. It expired on XX/XX/year>. So, I asked them to reissue my card. 

This is the response I received from them : " Unfortunately, we arent able to reissue your expired card. The card youre asking about is a prepaid card that expires at the end of the month and year provided in your card details. Per the terms and conditions, upon expiration of this prepaid card, any unused funds are forfeited. '' " This card does not fall under the gift card rules within the Card Act, as it is a promotional/loyalty product and therefore expires at the end of the month and year provided in your card account. ''
Product: Debt collection

This company magically appeared on my credit report for years now. They never sent me my initial letter. I disputed after I found them on my credit report which isnt fair. I have tried everything to pay them despite the fact i do not owe this to XXXX XXXX. I simply wanted it deleted if I paid. They refused. The last time I called the man was so rude on the phone. i requested a supervisor and as always they say someone will call you back and that Never happens.They violated the law. They owe me. i have paid so much for this stupid collection they never gave me a chance to dispute. They even admitted they sent my initial letter to the wrong address!
Product: Checking or savings account

mercari allowed a buyer on their platform to steal my authentic XXXX XXXX card wallet and has not sent me the money it was worth. i notified them to not accept the return because i thought the buyer would steal from me mercari did anyway. i sent the package and took a video of myself packaging it bc i thought theft would occur. it was purchased on XX/XX/year> shipped XX/XX/year>. the return request they granted on the XXXX, it comes back and low and behold theres no XXXX XXXX  wallet in the package. the buyer stole the wallet and sent a empty package back. as i said they would. i notify mercari that my wallet was stolen the same day they send an automated message claiming billing and payments they say your account is closed never once mentioned anything about my WALLET they allowed to be STOLEN DESPITE ME TELLING THEM NOT TO APPROVE THE RETURN FOR THIS REASON
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax did not respond to credit dispute did not dispute to more than 30 days no respose
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX, serviced by ACS, is demanding payment of a debt they can not prove we owe them. Our attorney asked that we demand the servicing agreement from ACS/XXXX XXXX proving ACS/XXXX XXXX proving there is a debt. XXXX XXXX refuses to provide that servicing agreement to us or to our attorney. My wife receive a phone call on a SUNDAY from someone in upper management at XXXX XXXX telling her XXXX XXXX wants their money ( over {$50000.00} ) and that they are NOT going to provide us any proof of that debt. ACS/XXXX XXXX is registering on my credit as a delinquent debt with rolling late payments and it is the ONLY thing between us and being able to buy a home again, after years of trying to recover financially from XX/XX/XXXX-XX/XX/XXXX. We have never made any payments to XXXX XXXX. Not ever. They can not prove this debt exists. We need this debt removed from my credit immediately if we are to purchase a home again.
Product: Checking or savings account

On XX/XX/, Ally Bank restricted my bank account. I have over {$25000.00} in my account and no ability to pay basic bills. Workers I talked to will not provide a timeline for the issue to be resolved. The only question I was asked was about deposits made from XXXX for selling sports cards. I can provide proof of any or all purchases and resales for deposits hitting the account. I run the XXXX account with a friend of mine, XXXX XXXX, and have provided his information when applying for his name to be on the account. I have also offered to provide any agreement with friend to use his account via a notarized letter or anything else.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting me as a authorized user for account number XXXX I did not give permission to be added to this account and do not wish to be a user of this account.
Product: Debt collection

This debt was paid to XXXX and bank statements reflecting payment of the debt was provided to XXXX XXXX. Bills equaling amount owed lined up with dates and money was taken from my account by XXXX. This was part of the reason we left XXXX. Then The collection just keeps getting sold and Jefferson is now acting like it is a new debt. How long will XXXX 's mistake pursue us? Now the transaction was so long ago that I will have to have my bank pull the transaction history because it is no longer available online.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX employee I was directly affected by COVID and struggled to make my mortgage payments so I asked XXXX XXXX about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by COVID? 

Ive disputed it with the 3 credit reporting agencies and XXXX, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a ParentPlus federal loan for my XXXX college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

XXXX XXXX is a predator. They took advantage of my good faith.
Product: Credit reporting

On XXXX XXXX, 2015 I informed Equifax that the judgment being reported on my credit file was vacated and should be deleted. I received a notice with the above confirmation number that Equifax will not delete it because it is accurate. I have supplied a copy of the docket report showing clearly where it states that the judgment was vacated on XXXX XXXX, 2015. Clearly this investigation is flawed, and/or there is questionable practices being made by Equifax. 
I am making this complaint pursuant to the FCRA, which states that : 621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. ( 1 ) In General. The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I did not receive any notifications from XXXX XXXX - XXXX that I had a bill to pay. When I learned that I had a bill to pay, I contacted the company and explained that I never received any notifications. They removed all penalties and interest. I paid the bill in full that day. 

They took off the following : Late fee adjustment - {$29.00} Interest Charge Credit - {$4.00} Past Due Fee - {$40.00} Purchase Finance Charge - {$4.00} As a result of me not receiving any notifications from XXXX XXXX, they have lowered my credit score by XXXX points from XXXX to XXXX. 

This also happened to me once with XXXX XXXX - XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

I currently have a credit card from " Barclaycard, Visa ''. On XX/XX/XXXX. 2021, I paid the account balance of {$1000.00}, which is what showed was due " on line '' and the automated system, that was confirmed with the representative. The amount was paid and posted on this same day. On XX/XX/2021 ; I found another charge of {$18.00}. I called the company and spoke to XXXX. I inquired about the charges and why the available balance had been dropped and continues to drop despite my high credit score? 

I am completely concerned about this company and their ethical business practices. I am a person who pays my bills on time or before they are due. Whenever I have paid the balance off, the next day or before the next bill is due on the XXXX of every month, I find this company has yet another charge on the account. When contacting the company to inquire why this continues to happen? I am given the excuses of it's the " Interest '' that was not paid. I asked them how can that be, if I paid off the account before the due date? I was given an excuse " because the interest is not added until after the billing cycle due date. I paid this bill in full the day before it was due, I inquired where Did they get the amount of money to charge yet another charge of {$18.00} on the next day, the day the payment was due? Then they will use the excuse that the Interest rate is based on the APR ( which I currently have a high score ). When I asked why my available balance had been dropped? I was told it was based on my APR and how much I currently owed before I paid them off. I have always paid my bill balance or requested payment by or on or before the due dates. I believe this is just another way for this company to STEAL from their customers. 
When I asked the Rep/XXXX, where the main office was, I was told it was in the UK. I asked about the address, I was told to look it up. 
Companies that continue to do business in this manner, I feel are allowed to RIP off their customers who work hard to pay their bills. At this point I am concerned as to how many more people are being ripped off? I am filing a complaint based on Unethical and Unlawful business practices '. I not only want them investigate but charged for the crimes, these companies are allow to continue to do to their customers who continue to pay their bills on time.
Product: Mortgage

XXXX XXXX company put a force insurance policy on our building. The fire was on XX/XX/2020 and they will not response to us, pay for the damages, give us a point person to handle this situation, will not cooperate with us and title company to remove a cloud on title, will not give us a copy of the force insurance policy. Insurance company will not talk to us stating we are a third party. See attached letters.
Product: Credit card or prepaid card

I am the victim of very obvious, and equally clearly reprehensible and corrupt, flagrant consumer fraud perpetrated by Discover Card ( Discover ). Basically, Discover has condoned and enabled blatant web based fraudsters to significantly overbill me for a XXXX, XXXX XXXX XXXX, NV hotel stay ( dishonestly billed at {$72.00} above the actual hotel charges and fees totaling {$220.00} ). 

Much more egregiously, the XXXX XXXX XXXX XXXXXXXX  in Discovers so-called Billing Disputes or Claims and/or Resolutions Department ( depending on what different Discover customer service agents called it ) pretended to investigate this matter. Then, after I provided Discover with very clear and indisputable evidence that the Internet scammers ( who also go by differing names, including XXXX and XXXX  before morphing into XXXX perhaps to facilitate their various Internet scams ) did not pay one dime to my hotel, the XXXX XXXX  there still want me to pay this entirely bogus charge. 

It is quite possible that the web con artists bribed someone at Discover to receive such a wildly unconscionable result out of those underhanded phonies. Otherwise, the vile Discover XXXX  believe it is far easier for them to cheat an honest customer on a one-time fraudulent charge, and placate the obvious web scammers, with whom Discover will no doubt be doing plenty of further business in the future ( legitimately or not ). Those two alternatives ( which are not at all mutually exclusive ) are the only ones that make a bit of sense to any sane, rational and fair individuals.

I figure your offices handle such matters, but am not entirely certain. I am very eager to pursue any and all applicable criminal charges for this indubitably illicit activity, including collecting any penalty or other fee levied on such incredibly crooked operators. I would not know if the sum involved here ( {$290.00} ) qualifies for felony grand theft or is deemed to be a misdemeanor level amount. 

I will reiterate that I shall gladly forward to you ( or any other relevant offices ) my easily grasped and unquestionable evidence ( for anyone who is not a XXXX XXXX ) proving beyond any possibly conceivable doubt I am entirely correct in this matter. That proof includes two very detailed and unambiguous letters sent to Discover ( last XXXX and last month ), along with a copy of my XXXX XXXX billing statement from my stay there last XXXX. 

That latter document expressly shows I had to pay my entire {$220.00} hotel bill when I checked in there on XX/XX/2022 ( which was done entirely in cash, as also clearly noted here ), because the web frauds never forwarded a cent to that establishment. I am not attaching these documents now because I am not sure if they need to be submitted to your offices or elsewhere specifically.