23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX have never had an account with this company PORTFOLIO RC XXXX, XXXX and XXXX, REMOVE from all credit agencies from reporting. 
XXXX means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( XXXX ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXX am the consumer mentioneXXXX XXXX 15 U.S. code 1692a  ( XXXX ) You are PORTFOLIO RECOVERY the debt collector 15 U.S. Code1692a ( XXXX XXXX I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( XXXX ) XXXX.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXXAccording to 15 U.S. Code 1962e ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the 15 U.S. Code 692f Unfair practices ( XXXX ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in 15 U.S. Code 1681a ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/, 2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened, an auto loan account opened at XXXX XXXXXXXX XXXX XXXX XXXX  Discharge XX/XX/2018 account # XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or Input XXXX XXXX initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US THEFT REPORT Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are NUMBER the result of identity theft and fraud.
Product: Mortgage

In XXXX XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had two mortgages : the first with XXXX, the second with USAA. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure, which XXXX granted, provided I clear the lien with USAA. 

After negotiations, on XXXX XXXX XXXX USAA issued a Settlement Agreement to me, stating that USAA would accept {$14000.00} for full settlement of the loan, with me paying {$8000.00} and XXXX paying the remaining {$6000.00}. On XXXX XXXX XXXX I paid to USAA {$8000.00} and USAA issued a new Settlement Agreement for {$6000.00}, which must be received by XXXX XXXX XXXX. I signed this agreement and USAA acknowledged that it received the signed copy. 

On XXXX XXXX XXXX USAA exercised a right to offset against one of my accounts in the amount of {$1700.00} to pay toward the subject loan. This transaction is contrary to the Settlement Agreement that USAA and I have in place and is not only contrary to my wishes to maintain good and honorable relations with USAA, but is also fraudulent. 

I contacted USAA 's banking, fraud, loan, and identity theft departments on XXXX XXXX XXXX. Of all the people I spoke with, nobody was able to tell me why the {$1700.00} was withdrawn from my account or where it had gone. I was promised a call the next day, but nobody called. I then contacted USAA 's Member Assistance Team ( that arranged for the Settlement Agreement ) on XXXX XXXX XXXX. They said only the debt collection department could have exercised the right to offset and transferred me there. The debt collection department said they could n't have done it, because my loan was held by the Member Assistance Team. I was told that an email was sent to the executives of the Member Assistance Team and that I would be contacted.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to inform you that you have violated provisions of the Fair Credit Reporting Act ( FCRA ) in your reporting of inaccurate eviction information on my consumer file after I disputed this information. 

Specifically, you failed to delete inaccurate past due amounts related to a 2018 eviction on my report as required by FCRA Section 611 ( a ) ( 5 ) ( A ). This section states that if a reinvestigation of disputed information finds the information to be inaccurate or unverifiable, you must " promptly delete that item from the file of the consumer '' By simply modifying the incorrect past due amounts and not removing the eviction information on my report, you violated the FCRAs requirements. Furnishers of information have a duty under Section 623 ( a ) ( 1 ) ( A ) to provide accurate consumer data. And none of the FCRAs exceptions allowing modified but undeleted information apply here, since the core issue is that the past due amounts themselves were inaccurate. 

I previously disputed this eviction record information based on these inaccuracies. Now I am demanding that you immediately delete this eviction information altogether to comply with FCRA Section 611s obligations for consumer reporting agencies. If you fail to do so, I will be forced to exercise my rights under Sections 616 and 617 of the Fair Credit Reporting Act to pursue legal damages against you for non-compliance with the statute.
Product: Mortgage

I believe I was a victim of mortgage fraud. My ex wife obtained a refinance/loan modification without my knowledge or consent. This occurred on or about XX/XX/XXXX. She either forged my name or electronically signed my name and provided my information without my knowledge. She obtained this loan through Caliber Home Loans, who sold the mortgage to XXXX on or about XX/XX/XXXX. This loan was obtained with forgery and false information and approved by XXXX. XXXX also ran my credit, doing a check resulting in a " hard hit '' to my credit without my knowledge or consent. XXXX also approved and processed the loan without my presence, written or verbal consent.
Product: Checking or savings account

I'm reaching out to report XXXX XXXX XXXX XXXX ( via XXXX XXXX ) violation of Regulation E ( CFR 12 Part 1005 Regulation E ) On Wednesday XX/XX/XXXX at approximately XXXX XXXX, I was notified of XXXX fraudulent ATM transactions made with my XXXX XXXX XXXX  XXXX card at a convenience store XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX XXXX  XXXX During this time, I was at my home approximately XXXX miles away in XXXX XXXX XXXX, with the ATM Debit card in my possession. The bank was able to BLOCK all but 2 ATM transactions totaling {$380.00} removed from my checking account. 

After verifying that all 8 transactions were fraudulent via an automated phone system ( XX/XX/2023 - XXXX XXXX  ), I placed a call to cardmember services ( XX/XX/2023 - XXXX XXXX  ), reported my debit card information as STOLEN, requested cancellation of the card and requested a dispute against the fraudulent charges. At this time I was given a dispute resolution case number, XXXX and informed that I would be notified when the resolution was processed and a decision was made. This call ended at XXXX XXXX on XX/XX/2023. 

On XX/XX/2023 at XXXX I was notified by XXXX XXXX XXXX Cardmember Dispute services that my dispute was denied and that no portion of the fraudulent ATM withdrawals would be refunded to my account. 

On XX/XX/XXXX at XXXX XXXX, I placed another call to XXXX XXXX XXXX Cardmember Dispute services and referenced my case number XXXX. During this call the representative re-iterated that the decision made by the dispute resolution team was to not refund the fraudulent charges on my checking account. I informed the representative of my rights under CFR 12 Part 1005 Regulation E and insisted that the stolen funds be returned to my account, to which the representative said that they would re-open my dispute resolution case but also informed me that it was unlikely that I would receive reimbursement for the fraudulent ATM transactions. This call ended at XXXX XXXX on XX/XX/2023. 

At this time I'm not sure how to proceed with this institution who believes federal banking regulations don't apply to them, so I'm submitting this complaint in hopes it can be resolved.
Product: Credit card or prepaid card

1. I had dispute/fraud claim on another Chase owned credit card. 
2. Chase had failed to resolve the issue. 
3. without any previous or apparent explanation, they closed the account on my XXXX card. 
4. I have been using this this card and was making payments on time.
Product: Debt collection

Had a credit alert for a collections account added to my report. Upon investigation, I contacted SAVIT COLLECTION AGENCY and they told me it was debt for a medical bill that I owed due to having no insurance. I explained 1 ) that I have never had a lapse in insurance and 2 ) that I have never received a bill. The original and subsequent debtors had the wrong address. I corrected the representative I spoke with and he sent me the bill totaling {$520.00} for XXXX XXXX XXXX XXXX XXXX ) for an initial consultation at XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX ). I called upon receipt and was told again that I did not have medical insurance at the time. Being that I spent the night in the hospital and XXXX/XXXX  paid over $ XXXX to said hospital, it is quite clear that this provider, XXXX XXXX, never submitted the claim to insurance which they are liable for. I would like the bill expunged immediately from my credit report and an explanation as to the unethical practices by which both SAVIT and XXXX XXXX XXXX practice. This is unacceptable on all fronts.
Product: Checking or savings account

In XXXX of XXXX, I signed up for an HSBC Advance Checking under HSBCs Q3 2020 promotion. Under the terms of this promotion, eligible new customers who open a new HSBC advance checking account will receive XXXX dollars if the account is opened by XX/XX/XXXX and recurring direct deposits totaling at least XXXX from a third party are made for three consecutive months from the second full calendar month after account opening. 

On XX/XX/XXXX, HSBC informed me via email that my account was approved. Therefore, if I make qualifying direct deposits on XXXX, XXXX, and XXXX, my account is eligible for the promotion. The offer mentions that the bonus will be credited no later than 8 weeks after the qualifying activities are met. Therefore, the latest the bonus should be delivered would be around the end of XX/XX/XXXX. 

After making the qualifying direct deposits in XXXX, XXXX, and XXXX and waiting the 8 weeks, I still did not receive the promotional bonus. I reached out to HSBCs customer service department and gave them the details of the promotion and my account activities. The customer service representative filed the case and gave me a case ID of XXXX. I was told I would hear back after the team that performs the account review reached a decision. I did not receive a callback so I had to follow up and have the case reopened. After discussing with XXXX XXXX, it was revealed that my promotion was rejected because the direct deposit was not considered a payroll deposit. I clarified that the name of the company I worked for was cutoff due to its length and to have the rewards department review my account details again. 

After waiting 5 business days, I was contacted by XXXX again on XX/XX/XXXX informing me that I was still to be rejected because the deposit was a cash concentration and not considered a payroll deposit. Even after describing that I can demonstrate the XXXX configurations that show the payroll deposit details, I was told that the case was closed and that the promotional bonus was to be reneged upon by HSBC. 

I plan to file suit using a consumer law attorney and receive representation for this case. I truly wonder how many promotions HSBC reneged upon considering the amount of companies that use XXXX as their payroll system and how many direct deposits may have gone classified as cash concentration. I hope to see CFBP take action and potentially have a class action lawsuit opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from TransUnion LLC, XXXX and XXXX to fully validate five ( 5 ) accounts on my credit report with my last letter dated XX/XX/2023. The only thing I have received is that the accounts are " verified '' without any statements or original contract supporting that the account and balances are in fact correct. 

The accounts are as follows : XXXX XXXX {$7500.00} XXXX XXXX  {$3700.00} XXXX XXXX {$3400.00} XXXX XXXX  {$12000.00} XXXX {$2500.00}
Product: Vehicle loan or lease

We had the loan set up on bill pay through our credit union. Several years ago we got a notification of repossession and we were shocked because we had set it up so we didnt have to worry with it. At the time they did a poor job explaining what had to be done other than pay {$1100.00} to avoid it being repoed. We paid it and followed up with our bank who showed the payments going to them. For a period of time it was sent by check and the last few years have been sent electronically. We recently sold the camper and paid all but {$1000.00} of the loan and come to find out theres {$3000.00} due to pay it off which includes $ XXXX in late fees. Weve tried to work with the bank to remove these as thats so excessive. The bank has had other class action litigation due to fees and they refuse to work with us and now that we have mentioned exposing this they wont talk to us. We have the funds to pay the loan off but {$1900.00} in late fees is extremely excessive. The payment was due XXXX XXXX, 2024 in the amount of {$220.00}. We paid {$5000.00} the posted XXXX/2024 and on XXXX/2024 they applied another {$25.00} late fee. Its all sketchy and we feel like weve been taken advantage of as weve made every effort to pay this loan and we feel like theyve applied these fees illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE XXXX XXXX OFF AUTH USER. SS # XXXX ACCT # XXXX.
Product: Debt collection

Portfolio Recovery Associates have been reporting a {$610.00} collection account on my credit report. I have never had any business with Portfolio Recover Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Portfolio Recovery Associates requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Portfolio Recovery Associates. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Portfolio Recovery Associates.
Product: Credit card or prepaid card

I have contacted Affirm in XXXX of XXXX via phone, on XX/XX/XXXX via email, XX/XX/XXXX, via website on XX/XX/XXXX and today on the phone XX/XX/XXXX. I have spent hours on the phone waiting for a supervisor to be told XXXX is not available. From what I gather, someone hacked my account and changed my email and disabled my automatic payment. When i call and verify my info there is one piece that doesn't match and they tell me they can't do anything and to watch my email. I have had to disabled the email. I was finally able to payoff one loan because it was sent to a creditor. I am at a loss and this company has reported months of late payments and one of the accounts as a delinquent account. I am a consumer that pays my bills ontime. If i were past due the company should have sent a notice in the mail. I was not aware that the account was not autodrafting. We are talking about two accounts totaling less than {$200.00} where payments were made timely via autodraft until they allowed someone to steal my account. Please help me in getting this resolved with a company that everytime i call i get the runaround and only a supervisor can help yet a supervisor is never available.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan on their website after they have sent me hundreds of messages to me promoting their personal loans. When I applied for the loan today ( XXXX ) they denied me the loan citing the following reasons : Recent number of payments too low Lack of mortgage trade history on file Too many inquiries in the last six months The top most reasons makes no sense. 

What kind of payments are they talking about? How many is too low Lack of mortgage history. I have had three mortgages in my life. All of them have been paid off successfully They gave the following information about my credit score Your Credit Score : 808 Date : XXXX Scores range from a low of 300 to a high of 850. 

I am assuming that this is the credit score that they used to make decisions. If that is the case, 808 seems to be a pretty high score If not they should tell me what type of score this is. What is the point of giving me a credit score that seems to have no connection to the credit decision? 

I think Goldman Sachs is violating a bunch of FCRA / CFPB / FTC rules in denying me credit. 
After I was denied credit, I XXXXXXXX XXXX to see if there are any complaints. I saw a few news items that suggest that XXXX has stopped making personal loans. If tat is the case they should not have accessed my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receipt of my recent credit reports from XXXX XXXX, and Experian, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXXXXXX XXXX  of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my Experian, XXXX and XXXX  Credit Reports.
Product: Student loan

Was constantly told I had to pay a high monthly payment or my pay would be garnished. Offered no reduced or affordable payment. Accrued massive interest and was constantly called and harassed by loan company. Could not repay after graduation. XXXXNavient.
Product: Checking or savings account

Last year i opted out of overdraft i even went to a regions branch to opt out of all it they said i would no longer be charged and if i didnt have the money in account i wouldnt be charged but im still be charging overdrafts cant close account until im brought to a postive. I even had a incident where i was scammed submitted proof to Regions and they did nothing about it.
Product: Credit reporting or other personal consumer reports

I have been going back and forth with Experian for a couple of months now as of XX/XX/XXXX in regards to a lease through XXXX XXXX that was a total loss. 

The agreement was paid on time as expected until XXXX XXXX when the insurance settlement deemed it a total loss early termination. 

I disputed I had a balance on this account still in XX/XX/XXXX. Experian 's resolution was to remove the balance owed and in turn mark my credit report with a 30 and 60 day late payment history. 

My score dropped from XXXX to XXXX immediately as a result. I have been back and forth with Experian numerous times and continue to be told I have no late payments and yet this still shows. 

I have been on with XXXX XXXX numerous times to confirm it was coded correctly as well. 

I have filed countless disputes and still no resolution. 

The latest was an email today they sent me stating " Your summary links late payments and derogatory indicators, negative remark, together so you know there isderogatory information reported on your credit report. 

Because it is not showing an actual late payment, it is referring to derogatory indicator on your report.Please contact the Experian Disputes Center at ( XXXX ) XXXX at your earliest convenience to request a hard copy of your report to locate and confirm the derogatory information. '' I do not know what else to do.