23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had got an email from my XXXX account a few months ago saying it was a security breach, shortly after I got a note in the mail from XXXX XXXX XXXX XXXX, then XXXXXXXX XXXX mail came, a few weeks later XXXX XXXX mail came. All notes were declines for a credit card or loan I didn't do. These are affecting my credit score and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.
Product: Debt collection

I recently had a debt mostly paid from my taxes and had XXXX dollars left over of my debt. I settled the debt in the last week of XXXX of this year and the report still shows up in my credit report. It was XXXX that I owed money to which is a government type debt. I tried to dispute it XXXX times to transunion, I have proof of my payment for the debt and also called XXXX multiple times to confirm that this debt was settled in which they stated was settled by XX/XX/XXXX. They told me to contact transunion which they stated the debt of {$2.00} dollars is still owed after XXXX disputes with proof of receipt. XXXX had stated that they already reported that the debt was paid. At that point they told me to refer to CFPB. I have worked very hard to get my credit back up and dont want this to possibly affect it in the near future.
Product: Debt collection

I have a small business XXXX  XXXX  XXXX  and XXXX XXXX  XXXX., since XX/XX/XXXX.. I filed for bankruptcy and discharged last XX/XX/XXXX. I tried to revive my small business but the economy continue to get worse in the XXXX XXXX. I owed almost {$10000.00}. to 3 different credit card companies. Last XX/XX/XXXX, I tried to negotiate in a letter to lower the interest rates and modify my accounts. They all rejected my request. My golf business is now " DEAD '', no income. My only income now is from my social security, just enough to pay my mortgage. For the last 5 months now, I have not paid my credit cards. I have now letters from " lawyers/collections agency '' threatening to sue me. I really DO NOT HAVE ANY MEANS /money TO PAY THEM ... I still have a lot of inventories in XXXX XXXX and XXXX  related products like, shoes, belts and boots.. I am doing a regular " garage sale on week ends '' I need your help and advise on what to do. Please point me to the right direction of what to do.. Respectfully yours, XXXX XXXX XXXX XXXX. Tel. XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX )
Product: Vehicle loan or lease

I have a loan with BRIDGECREST XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BRIDGECREST with no successful resolution. XXXXonly reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/XXXX / XXXX, XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I was never informed that citizens pay was a different entity from my XXXXXXXX XXXX XXXX XXXX when trying to contact them the number reported to credit bureaus is incorrect was reported as a late payment and never received a bill or mail regarding the payment. When I finally found the number was told there was nothing that could be done to reverse the late reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me an email stating this same collection ( Complaint ID XXXX ) was on my credit report with them. They only change the date to XX/XX/2021 as the date reported. I attempted to do a fraud report, they responded with statement of on going investigation in progress. They would not let me submit/or accept my request. Their reporting agency is the only one that has XXXX me over for years with their credit reporting. This time I'm not gon na stop till they correct their problem with is causing me problem.
Product: Payday loan

I have made several online loans with this lender. My most recent loan in the amount of {$1500.00} will be due on XXXX XXXX. Normally I login to their website and refinance the loan, pay down the original loan by 50 % or more. Today I tried doing the same as with my previous loans and was denied the opportunity to refinance?? This came as total surprise. I have never been late or ask for any type of assitance in repaying one of their loans. There is no way I can repay the entire {$1800.00} next week. Is this some type of setup on their part to create more finance charges and or late fees? I have attached a copy of the loan document, denial form, and loan history page. They may also being pulling a credit report each time I apply for a loan or request to refinance by paying additional money down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting erroneous inquiries for XXXX, XXXX XXXX, and XXXX. XXXX. I have not given anyone permission to make an inquiry. I am requesting that these inquires be removed immediately.
Product: Mortgage

Guaranteed Rate is in violation of RESPA for payment of escrow to XXXX XXXX  in the amount of {$4000.00}. The closure for re-financing occurred XX/XX/XXXX ( see attachment of Closing Disclosure ), and still the escrow has not be transferred to XXXX XXXX. For this reason, my mortgage payments have gone up {$310.00} per month ( see attachment of XXXX notification of increased mortgage payment ). 

I contacted Guaranteed Rate on multiple occasions with no written response acknowledging the above. The first written communication I sent them is dated XX/XX/XXXX. To date, the Guaranteed Rate officers that have not bothered to confirm in writing the issues detailed above are : 1 ) XXXX XXXX XXXX XXXX Supervisor XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Team Lead/Loan Servicing Coordinator XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX, XXXX, IL XXXX I did contact XXXX  about this issue, and opened a complaint, complaint number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I PREVIOUSLY FILED A COMPLAINT AND THE COMPANY NEVER RESPONDED! This agency continues to report debts that I do not owe. I have disputed these erroneous accounts and requested them to send me some validation. They continue to report these derogatory accounts, but have yet to send me original documents as proof.
Product: Mortgage

I have been in contact with Statebridge Company, LLC every couple days beginning XX/XX/XXXX at which time I noticed Statebridge had not been sending my monthly mortgage account statements. I was making payments every month and they were receiving them. 
For the record, XXXX transferred my original mortgage ( XX/XX/XXXX ) to Statebridge in XX/XX/XXXX. I have never made a late payment and jumped through their hoops to provide condo and homeowners property insurance coverage on a timely annual basis. I had no choice as to why or whom XXXX transferred my mortgage. 
Ironically in XX/XX/XXXX I received an email from my Bank Bill Pay stating Statebridge declined my payment ( for XX/XX/XXXX ). I made a second ACH payment on XX/XX/XXXX, and when calling to confirm its receipt with Statebridge on XX/XX/XXXX I was told by the customer service agent, it too, was being declined. I then made another payment with hard copy check, hoping they would receive it before the late fees kicked in. 
To make a long story short I have provided Statebridge with copies of manual Check No. XXXX showing back and front cancellation ( Paid on XX/XX/XXXX ), as well as electronic payment ( Paid on XX/XX/XXXX ) with address status VALID and OFAC Status CLEARED, with Reversal Indicator Set to NO. 
Over the last month I have been playing a game of semantics with at least seven different customer service agents, each supplying their own version with derogatory and felonious information as to my account status. They tell me due to my discharged bankruptcy ( filed in XX/XX/XXXX and discharged in XX/XX/XXXX and DID NOT include Statebridge ), they do not have to provide any account information ( current or historical ) or send monthly statements. Because I needed the exact mortgage loan amount as of XX/XX/XXXX stating it was for my Federal taxes, all the sudden the CS agent who said he did not have access to that information, was able to see and provide me with the amount. 
I did finally receive a Loan History Transaction detail via email, indicating payment history up through XX/XX/XXXX and no data or payment information for the XX/XX/XXXX and XX/XX/XXXX payments was reflected ( it does show a XX/XX/XXXX payment and a credit ( {$170.00} ), but I am being told that I owe them {$790.00} due on XX/XX/XXXX. 
Now today, XX/XX/XXXX Statebridge returned my XX/XX/XXXX payment to my checking account. This puts me in a perilous position of being charged late fee, getting a bad credit rating, and further potentially force me to foreclosure. 
If you could please help me correct this situation, so Statebridge files and information are up to date, and I am provided with correct information I hard copy statement ( their website is of no use, I can not view my account or make payments ) that is a true reflection of my intention to regain a good credit status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, Transunion showed on my credit report that a bill was 30 days late in XXXX with XXXX XXXX  on card XXXX and XXXX. I sent proof it was paid on time. They agreed, and removed the XXXX listing. Transunion then said my bill was 30 days late in XXXX, I disputed on XX/XX/2019 with proof showing it was not 30 days late in XXXX either. They have nor responded as of XX/XX/XXXX. I called them on XX/XX/XXXX and they hung up on me after digging into the issue. 

Thanks for your time and help
Product: Debt collection

Numerous calls to my cell phone and my wife 's. She is not on the account and they told her she was which is a lie. 
Called on my cell phone # XXXX/XXXX/XXXX @ XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX  XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX Called on my wife 's cell phone # XXXX/XXXX/XXXX @ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your urgent attention the severe discrepancies and inaccuracies I recently discovered upon conducting an investigation of my credit report. It has come to my dismay that several items on my report are unverifiable, invalidated, and unquestionably inaccurate. These inaccuracies have not only caused me undue stress but have also had a detrimental impact on my mental well-being.

Under the Fair Credit Reporting Act, it is imperative that all information reported on a credit report is 100 % accurate. However, upon reviewing my report, it is evident that your agency has failed to ensure the accuracy of the information being reported. This blatant disregard for accuracy is a direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I demand immediate action to rectify these egregious errors and to ensure that my credit report reflects only verifiable, validated, and accurate information. I have attached copies of all letters previously sent to your agency regarding these discrepancies for your reference. 

Please be advised that I expect prompt resolution of this matter. Failure to comply with the Fair Credit Reporting Act will result in further action being taken against your agency.
Product: Debt collection

Security Credit Services has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach. As a result, several fraudulent accounts and inquiries have been placed on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit report. 
Fraudulent Accounts : 1. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} 2. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} 3. XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} 4. XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} 5. XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} 6. XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} 7. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} 8. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} 9. US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Fraudulent Inquiry : 1. XXXX  Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the CFPB to request that Experian, the credit reporting agency, block certain information on my credit report due to identity theft and fraud, as per FCRA XXXX ( XXXX U.S.C. XXXX ). 

Specifically, I want the following fraudulent accounts removed from my report : XXXX. A personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$8200.00}. 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$710.00}. 
XXXX. A banking account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
XXXX. A personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5200.00}. 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$770.00}. 

These fraudulent accounts have led to multiple hard inquiries and collections showing up on my consumer XXXX credit report. Ive attached a list of these hard inquiries and a copy of my consumer credit report from Experian that includes these fraudulent items. 

I do not recognize any of these accounts or hard inquiries. They were not opened, made, or initiated by me and are the result of identity theft and fraud. To support my case, Ive included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] that confirms all these accounts and inquiries are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I updated my banking account details with Carrington Mortgage that were saved on their third-party payment processing website, XXXX. In XX/XX/XXXX, I submitted a dispute with Carrington Mortgage because their website did not process my payment according to the new banking information but instead reverted back to the saved information causing my payment to be late. Carrington acknowledged their error and suppressed my credit reporting for XX/XX/XXXX. I have used the same stored banking information until XXXX of XXXX when I updated my account details again on XX/XX/XXXX. 
The same thing occurred where my new information was not used, but the stored information was used and caused my payment to be returned and thus reported 30 days late. This time, Carrington outright refused to suppress my credit report and responded to my multiple disputes with inaccurate information regarding my banking details ie referring to a XXXX  XXXX XXXX account that I did not have open when my XXXX payment was made. They have also refused to share any documentation received from XXXX detailing my activity on their website the day in question. I am demanding Carrington fix the error with my credit report as my payment was made on-time and wasn't my fault that their third party website for payment processing has a known glitch which they acknowledged in XXXX of XXXX. After a year, they are now stating that they made an error in XXXX and there was no known glitch. I have a letter from Carrington that ackowledges a known error with XXXX dated XX/XX/XXXX.
Product: Credit card or prepaid card

The issue is with unwanted Credit Card Solicitations from Capital One. 

My name has been 'opted out ' of receiving Credit Card Solicitations with the credit bureaus for several years. 

I have repeatedly received Solicitations for a " XXXX XXXX '' credit card over the past several months. 

I checked to verify that I was still blocked from getting Credit Card Solicitations with the bureaus, and that block is still in place. 

I called Capital One to inform them that they are sending solicitations to people who have 'opted out ' of getting them. 

The clerk on the phone wanted to take all of my personal information before they would contact a manager to let them know that they were getting a complaint regarding solicitations being sent inappropriately. 
The point here is -- If I am getting them and should n't be, so are others. My specific information should not be needed, in order to report a Marketing process error to the manager for further investigation. 

Why would I voluntarily give them my personal information, thereby bypassing the need to check to see if it is acceptable to send me solicitations? If I give them my information voluntarily, that establishes a 'business relationship ' and they can send my any kind of junk. 

CAPITAL ONE : check your Marketing process! Where are you getting your solicitation list from??? And STOP DOING THAT!
Product: Payday loan, title loan, personal loan, or advance loan

Dear Sir or Madam, I am writing to formally file a complaint against CFG Merchant Solutions , LLC, regarding their predatory practices, which include overcharging interest, filing duplicate lawsuits for the same alleged debt, and violating privacy by directly contacting my clients. These actions are abusive, harm my business, and contravene fundamental consumer protection laws designed to safeguard against such predatory behavior. 

Case Details : Case Number XXXX Filed : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Commercial - Contract Case Number XXXX Filed : XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXk XXXX Type XXXX XXXX - Contract Both cases involve XXXX XXXX XXXX seeking XXXX XXXX XXXX, effectively attempting to litigate the same debt twice, which violates the principles of fair treatment under XXXX business law. This tactic appears to constitute harassment and abuse of the legal system to coerce repayment. 

Privacy Violations : In addition to filing duplicate lawsuits, XXXX XXXX XXXX has directly contacted my clients without my consent, violating privacy laws and ethical standards. Such behavior undermines the trust and confidentiality inherent in my business operations and has caused significant reputational harm. 

Legal Protections Violated : These actions appear to violate several federal and state consumer protection laws applicable to businesses, including but not limited to : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Under the XXXX XXXX XXXX Reform and Consumer Protection Act, businesses are protected against practices that are unfair, deceptive, or abusive. XXXX XXXX XXXX actionsparticularly the duplicate lawsuits and client outreachclearly fall within this scope. 
Fair Debt Collection Practices Act ( FDCPA ) : While typically applied to consumers, certain protections may extend to small businesses in specific contexts, especially against harassment and abusive tactics. 
Privacy Laws and Breach of Fiduciary Responsibility : CFGs outreach to my clients violates the reasonable expectation of privacy and has jeopardized client relationships, potentially infringing upon state-level privacy laws. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau : Investigate CFG Merchant Solutions , LLC for their predatory and abusive practices. 
Assess penalties or corrective actions to address their violations. 
Provide guidance on further protections available to businesses like mine against such abuses. 
I have attached documentation, including court filings and correspondence, to support my complaint. Please let me know if additional details or documents are required. 

Thank you for your attention to this matter. I trust that your office will take appropriate steps to address this issue and protect small businesses from similar predatory practices in the future.
Product: Payday loan, title loan, or personal loan

Hello CFPB, I am writing to you about World Finance company? I am XXXX XXXX. It seems as though since I got the loan I have had problems after problems. At first, XXXX XXXX, was my worker, and he left the company? then XXXX XXXX, was my worker next and she was nice to me and worked only with Me. And she has now left the company, there are only ( 2 ) People in the office at World finance company at XXXX XXXX XXXX Tennessee, XXXX. Now every since I got the loan, I have been plagued with extra money, like XXXX more late fees charges. I was told I could send in half and pay the other part, when the date is due way before the XXXX or before then, they are sloppy and do not care about their customers. now they say you need to pay the whole loan off now? Ok I only owe {$40.00} they have called my HOme, several times. my school and my daughters and sons. Now I am just tired of them? this is no way to do business at all.? I am intending to pay them but if this tactic keeps up I will just withhold my funds from them until they quit calling here, and go downtown and file a squash motion to have them thrown out of my credit report. they do not know who they are messing with, I am partial a XXXX and I know my rights ok. this is a Bully tactic and I shall tell the Judge when he hears my case. This just needs to stop now? I see why everybody is leaving and they really should go out of business because no one is coming there anymore anyway? they are just Ridiculous? This no way to carry on in Business worlds. So the total pay off, is {$290.00} I shall remit to them soon and I never want to see any one In this company again. even XXXX XXXX left  them too. Her daughter open a XXXX and she now works for her. so you see people can move on. I do plan to pay them but I need for them to stop calling my address I am not going to pick up the phone and just leave me alone because I do intend to pay. No need for the Bully tactics they are Using, XXXX is new but she is the worst one, she needs to go back to street fighting because that is all she knows how to do, no one in XXXX tennessee is going to fight her she is just not that Interesting to Any of Us. I hope she knows that too. Be cool and leave me the XXXX XXXX XXXX alone lady.