23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have collections on my consumer report that is against the law. As determined by Congress, the credit reporting agencies are all in violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, under 15 U.S. Code 1681 ( a ) ( 4 ) Due the willful and knowingly violation of the law, my rights as been violated for me getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and close end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.
Product: Mortgage

A couple weeks ago I contacted Freedom Mortgage to inquire about disaster relief since I was impacted by the XXXX California fires. I had a XXXX  meeting with a company rep to go over the available assistance program, but it offered me no actual relief, so I declined their offer. However, Freedom Mortgage updated my credit report implying that I requested assistance, which is not true. They also didn't know if the added information would negatively impact my credit. I had specifically informed them that I did not want forbearance and not to add anything to my credit report based on assistance or disaster area.
Product: Debt collection

Subject : Demand for Monetary Compensation to Prevent Legal Action Dear IQ Data International I hope this letter finds you well. I am writing to address a matter of great concern regarding the actions of IQ Data International and the significant impact it has had on my life and financial well-being. 

It has come to my attention that your company, without my explicit consent, purchased my personal information and attempted to collect a debt that I did not owe. Subsequently, after failing to adequately verify the information, you were compelled to delete the account from reporting. This incident has caused substantial harm to my creditworthiness and has had severe consequences on my ability to secure stable housing and obtain credit. 

The inaccuracies in your reporting have not only resulted in financial setbacks but have also created undue stress, especially considering that I am the primary provider for my family, which includes XXXX XXXX XXXX and an XXXX XXXX XXXX XXXX XX/XX/2024. 

Given the gravity of the situation and the adverse impact on my life, I am hereby demanding monetary compensation in the amount of {$8000.00} to rectify the damages caused by IQ Data International 's actions attempting to collect debt of {$16000.00} I did not owe. This compensation is sought in order to mitigate the financial hardships I have endured, including denials of credit applications and challenges in securing suitable housing for my family.
Product: Credit reporting or other personal consumer reports

Dear Experian To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account number # XXXX Delete this account.
Product: Credit card or prepaid card

Re : Loan ID XXXX On XX/XX/XXXX I made 1 payment of {$59.00} to Affirm for Loan # XXXX. Affirm took the liberty of charging my card XXXX additional times for the same amount and are refusing to refund me the overpayments. This is not the 1st time I've had problems with this company. Previously, they turned on AutoPay on my account and blamed me for turning on AutoPay. 

I tried contacting the company through their HELP feature but to no avail. Their website is very frustrating and there is also no direct phone number available to contact the company. When I finally did receive a respond, I tried responding back but there system posed an error. Then I finally got in touch with someone on XX/XX/XXXX and he stated he could not refund me the overpayment because it was too late even after I explained that I tried contacting the company multiple times. 

This company 's customer service is horrible. They do not readily make their phone number available to customers, repeatedly turn on AutoPay on my account without my authorization and blamed me for turning it on and now blaming me for the overpayments which I did not authorized. Unfortunately, there is no proof I can provide that the company did all these things because its within their payment system which I don't have access to but I've been dealing with this company for quite some time and they have a history of bad business practices.
Product: Credit card

TARGET XXXX  CARD ( TD BANK ) was open on my name without my consent on XX/XX/year> without my consent.
Product: Credit card or prepaid card

I took advantage of a credit card advertisement for the Chase Freedom Unlimited card because I am doing some property improvements, and they advertised great points and no interest for 15 months. I applied and opened an account in XX/XX/2023. 

A few weeks later, I received a strange letter in the mail ( nothing was posted online ) about verifying my SSN. I thought it might be a scam. I called in late XXXX and spoke to a customer service person ( first to ask to reverse late charges b/c I missed my first automatic payment by a few days ) and asked her about the state of my account. She assured me that there was not any information missing, and that my account was in good standing. She actually stated that the letter I receive must have been a scam. 

I then actually accidentally paid off the entire amount of my account in early XXXX ( I meant to just pay the minimum ), and shortly after that, I received a message that my account was closed. I called customer service again and was informed that my account was apparently closed because Chase needed some information that I did not send. I asked if I could re-open it because I wanted to use the card and did not want my credit dinged again b/c they should not have closed my account. I also explained what the previous customer service agent told me. I asked to speak to a supervisor who then told me that she was re-sending the form and could re-open the account if I faxed it back. I have never received the form she supposedly was sending at the end of last month. 

I contacted customer service again today and was told that my account was closed and I could re-submit an application, but that they would check my credit again. This is not acceptable. 

I would like to have this credit card, and I should not have to have another ding on my credit to re-open the account. This company is engaging in unfair and unethical business practices.
Product: Prepaid card

My company gave me 2 American Express virtual gift cards in the amount of {$100.00} each. Every time I try to use the gift cards to make online purchases, the card is declined. The purchases Im attempting to make do not exceed the available funds on the gift card. I have also verified the balances of these cards multiple times, so I know the funds are there. Additionally Ive tried multiple online vendors with no luck. The American Express gift card website suggests adding the card to XXXX XXXX - I have attempted doing this multiple times and consistently get an error message. These gift cards are absolutely useless, and whats worse, I had to pay taxes on this money that I cant use anywhere.
Product: Debt collection

Someone stole my identity and bought a car under my name and credit score for {$22000.00} in XX/XX/2020. The only reason I found out is that I wanted to get a loan from my credit union and the lady told me I had not made my car payments for over a year. She showed me the information and it shows a collection agency named Portfolio Recovery Associates and also says that I am responsible for the auto loan as well as two other people named : XXXX XXXX and XXXX XXXX. I do not know these people. I did not buy a car or co-sign a car for anyone except my daughter XXXX XXXX. I have never received any phone calls or letters from this collection agency. I believe the thieves did not use my address or phone number because I would have caught this sooner.
Product: Checking or savings account

Date of this CFPB Consumer 's Complaint : XX/XX/XXXX Associated with CFPB 's Consumer 's Previous Complaint:XXXXSubmitted on XX/XX/XXXX. 

Consumer received a Wells Fargo 's Response Dated XX/XX/XXXX sent via XXXX XXXX XXXX XXXX. [ ATTACHMENT # 1 ] Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Consumer 's Response to the Wells Fargo 's Decoded Response. [ ATTAHMENT # 2 ] This Consumer feels that Wells Fargo is giving Consumers the continuous, of the World Famious Run-A-Round again. Also evading communications through the CFPB 's Consumer 's portal = Doing " BAD BUSINESS PRACTICES AGAIN. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. 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 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

The Truth in Lending Act ( TILA ) is a consumer protection law enacted in XXXX  in response to exceedingly predatory loan practices. Prior to the TILA, lenders would use a variety of terminology and forms of lending that manipulated uninformed borrowers. The TILA changed this by requiring a uniform system of disclosures and terminology to be used for lending like credit cards or mortgages. 
Creditors were required to disclose details like the annual percentage rate and repayments details in a clear way to borrowers or else the borrower may be able to rescind the debt. TILA also limits the amount of late fees creditors can charge. Overall, TILA, since its signing has been updated to respond to changing lending practices to ensure borrowers clearly understand the terms and conditions they agree to. 
Title 31 Sub-section 3130 of obligations and interest on the public. False and inaccurate credit reporting causing instability and hardship.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 15 u.s.c 1681 section 602 a. States I have the right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 15 u.s.c 1681 section 602 a. States I have the right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS
Product: Credit reporting, credit repair services, 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.

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

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 ) ( 1 ) 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. 

FTC REPORT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My XXXX XXXX XXXX  contract has been breached. XXXX XXXX -- a fully registered bank improperly transferred my mortgage to a debt collector that offers non of the banking and financial service products I expected when I entered into the agreement with them. 

XXXXXXXX XXXX has also breached multiple fiduciary and contractual obligations as I have previously stated in my correspondence to them and in the complaint filed with the CFPB. 

XXXX XXXX  retaliated against me in improperly transferring my mortgage as the transfer was immediately after I sent a demand letter to the XXXX XXXX XXXX. 

XXXX XXXX  also failed to provide me the 30 day notice requirement - filing the transfer with XXXX XXXX clerk the day after the notice letter was dated. I never received the notice letter in the mail and only after I requested documents ( multiple times over the courses of several years ) via email. 

I have experienced multiple incidents of harassment, preditory and retaliatory behavior in the course of my attempt to remedy the multiple contract breaches by XXXX XXXX. Please not the attached corrrespondence, inclusive of the detailed description of failure to disclose PMI matters, failure to provide promised forbearance remedies and resumption of my mortgage payments, failure to account for checks sent in good faith as I attempted to resolve this matter. 

Select Portfolios claims that they are unaware of the issues and have not received any of the information I sent to XXXX XXXX however correspondence from XXXXXXXX XXXX  dated XX/XX/XXXX indicates that they were provided with correspondence from me.
Product: Debt collection

The private loan handler of Nelnet, First Mark services repeatedly calls at all times of the day and night. There are multiple phone calls all day long. XXXX phone call is all that is needed. They can leave a message and I will retrieve it but repeated phone calls on the same day are not warranted
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being harassed by attorneys of XXXX BANKS that assumed my identity, assumed data information and allowed fictitious loans schemes using my valuations, my property and my identity theft for financial crimes. 

I reported I am victim violated by identity theft fraud of their crimes and contacted authorities regarding fraudulent misrepresentation practices regarding fictitious loans XXXX XXXX, This is the last, and only, time I will address your various filings. They are nonsensical, irrelevant to the pending foreclosure action, and are sanctionable as frivolous pleadings. If you continue this course of conduct, I will seek sanctions. 

Sincerely, XXXX XXXX, XXXX. 
Senior Litigation Attorney Email : XXXX Tel : XXXX EXT XXXX Fax : XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2022 XXXX AM To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : XXXX Bank XXXX XXXX XXXX ; Case No. : XXXX I filed affidavits detailing federal racketeering, plus affidavits for relief due to counterclaim, detailing the public corruption, I filed affidavits for relief and had no response to those affidavits.
Product: Student loan

I can not get ECMC ( Educational Credit management Corporation ) to help at all. I have been in daily communication with ECMC since XX/XX/XXXX. ECMC is wanting to increase the amounts agreed upon. ECMC has been calling nonstop to my workplace, home phone and family. They have sent emails to my workplace as well. I have spoken with them on the phone and they are rude and unprofessional. I try and communicate through email so that I can have an electronic method of tracking our communication, but they only want phone correspondence. I established a payment plan through ECMC and they are also wanting to garnish wages starting on XX/XX/XXXX for these loans as well. 
My loans were in forbearance with XXXX, except for the ones that they got possession of. I was told by XXXX that those were mistakenly not put into forbearance status. My position now, is that I am paying XXXX, XXXX, ECMC through a payment plan set up through their site. I will also have my wages garnished on XX/XX/XXXX. I have XXXX special needs kids that I adopted so I do not have money to just give to ECMC. I can not sell my house either like ECMC has suggested. Any help in this matter would be greatly appreciated. 

Thanks for your time. 

XXXX
Product: Vehicle loan or lease

I have filed 2 complaints against Ford with the CFPB # XXXX & XXXX. 

Ford is providing fraudulent information to the CFPB to avoid accountability and close my complaints. 
My proof- Document A- Ford Motor Lease extension agreement dated XX/XX/2017 extending my lease to XX/XX/2017. The name & extension of the Ford representative is listed on the document. 

Document B- Ford 's Confirmation of receipt of the lease extension.

Document C-A confirmation from Ford for my lease payment of {$320.00} on XX/XX/2017. 

This contradicts Ford 's response that on XX/XX/2017 they agreed to a lease extension but I never returned the document. 

I had a lease with Ford until XX/XX/2017 proof of this is attached. 
All payments were up to date proof attached Document D- illegal repossession of my vehicle on XX/XX/2017 My family 's personal items were in the vehicle. XXXX XXXX XXXX refused to return my property. 

On XX/XX/2017 XXXX Police Department officer XXXX XXXX filed a report # XXXX stating that no notice of a repossession was reported from Ford. which is usually the procedure. He stated that he never saw a repossession at XXXX on a Sunday morning without notifying the police. He reported the vehicle as stolen. 

Please, I am putting my trust in the CFPB to help me resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

There is a collection I have never had before and didn't even know it was listed on my credit until I applied for something. I never heard of this company nor received notification. Please help
Product: Checking or savings account

The Bank is giving out my banking records to people who walk into the bank and ask for it. I judge has previously issued a protective order instructing them not to give out any information on my personal banking accounts that are not jointly held with my mother XXXX XXXX. In addition to give the information to other people they have refused to give my a list of what they gave out and to who. I have recieved copies of my personal soley owned account from two different people and I am not sure who else they have given it to.