23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Dear Avant : The following account was charged off by Avant and a paid settlement was submitted and approved as of {$720.00} of the {$1300.00}. I wish to save us both some time and effort by settling this debt.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher.

I am willing to pay 10 % of the remaining balance ( {$570.00} ) as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$57.00} payable to Avant in exchange to have all information related to this debt removed from all of my credit files.

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Avant. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above. 
Sincerely
Product: Debt collection

I was an XXXX  customer with my mobile phone. I took out an insurance policy with their carrier ( XXXX  ) in the event that my phone was lost/stolen/damaged ... I filed a claim and received a new phone and paid my {$220.00} deductible. Several months later I again reported my phone lost and was sent a new phone. However, I found the phone I reported lost and sent the replacement phone back ... and therefore should never have had to pay the deductible. So at this point, I am at one replacement phone. I later did crack my phones ' screen and requested another replacement phone. XXXX denied my the replacement phone ( which would have been my second phone ) as they said I already got two new phones. However, I only had one replacement phone, because the second replacement phone I sent back. 

Keep in mind I had been paying XXXX  XXXX a month for the insurance with their carrier. 

I called XXXX and they said I was entitled to a new phone. I took upon myself to use three way calling and put an XXXX  rep on the line with an XXXX  representative The XXXX rep explained to the XXXX rep that I was entitled to a new phone after checking their records. 

Before I switched to XXXX I paid the remaining balance with XXXX  and just thought I'd have to eat the cost. I didn't know CFPB existed.. 

Can u please help me to resolve this dispute with XXXX  and Sequium Collections My Sequium reference # is XXXX
Product: Debt collection

After I discovered that I never am with XXXX, Powered by XXXX XXXX XXXX Restricted Account No : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a declined bank error late payment on my car loan account with XXXX, XXXX. I have never made a late payment on this loan or any other loan in my credit history. The late payment was caused by a bank error, and I have proof that the payment was made on time. On XX/XX/XXXX of 2022, I made a payment of {$320.00} to my car loan account. I have attached a copy of my bank statement showing this payment was processed and deducted from my bank account on that date. However, for some reason, XXXX, XXXX did not receive the payment, and as a result, it was marked as late on my account. I immediately contacted XXXX, XXXX to resolve the issue and sent a letter disputing the late payment. However, my dispute was declined, and my credit score has been negatively impacted by their mistake. I have always been a responsible borrower and have maintained a perfect credit score until this incident. I am requesting that XXXX, XXXX remove the late payment from my account and correct my credit report. I have provided proof that the payment was made on time, and I believe that their mistake should not be allowed to damage my credit history. Thank you for your time and assistance in this matter. I look forward to a swift resolution to this issue.
Product: Debt collection

I got a phone call from XXXX requested some payments from me about a debt I was not aware of. When I asked a copy of the invoice they never sent it to me. Therefore, I feel unsafe to share any information with them, even though they have been pressing me to verify my social security number, to such request I declined.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/scrub> 2024 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Duplicate Reporting of Charged-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charged-off account that is being inaccurately reported twice on my credit report. This account, which has been sold to XXXX XXXX, is listed both as a charge-off by XXXX XXXX and as a collection account by XXXX XXXX. This duplicate reporting is not only inaccurate but also a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be accurate and not misleading. 

The details of the account are as follows : 1. **Original Creditor : ** XXXX XXXX 2. **Account Number : ** XXXX 4. **Collection Agency : ** XXXX XXXX According to the FCRA , specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information on my credit report. Reporting the same debt twiceonce by XXXX XXXX and once by the collection agencyconstitutes inaccurate and misleading information. 

I request that XXXX XXXX immediately correct this error by removing the charged-off account from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

CFPB in status of my complaint states, Closed, Company Responded. 
However, Wells Fargo did Not respond to my inquiries and responded with False Statements. 
I am requesting to re-open my complaint due to the following : Wells Fargo received XXXX subpoenas for statements on each of my accounts : XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Wells Fargo DID NOT contact me or supply me with any " direction on how to object '' of the release of my banking information as they stated in their response. THIS IS A FALSE STATEMENT. 
Wells Fargo sent out my banking information in XXXX 2023, then afterwards overnighted XXXX XXXX envelopes in XXXX 2023 to the incorrect address informing me that they released my banking information and enclosed the subpoenas. 
They did not respond to my inquiry of who the subpoena named as the defendant, XXXX XXXX and XXXX, XXXX. I do not know who that company is, nor do I have anything to do with them. The subpoena is fraudulent. 
Wells Fargo VIOLATED MY RIGHTS as a consumer. They DID NOT CONDUCT THEIR STATUTORY DUTY TO PROTECT MY PRIVACY, INTEGRITY OF MY BANKING INFORMATION. 
I am requesting this case be re-opened and Wells Fargo be investigated for the illegal distribution of my banking information be investigated as their fraudulent, false statements that they provided me with direction to object to the release of my banking information. Wells Fargo has put me in great harm, and I have suffered damages. 
In a response email and mailed letters, Wells Fargo did not take any responsibility or liability for their Criminal Actions. 
Please advise your discoveries of investigation into this matter. 
Thank you. 
XXXX XXXX
Product: Credit card or prepaid card

I used AFFIRM to purchase shoes from XXXX XX/XX/2022 for over XXXX the shoes that arrived weeks later were clearly defects and not in standard condition. nothing of the shoe 's defects were stated in the ad. I raised issue with XXXX via chat 6 minutes after delivery, stating clearly that these shoes were highly unacceptable and that I did not want these shoes in anyway. I then notified Affirm and activated a " chargeback '' XXXX proceeded to XXXX me, stating that there is nothing that i can do about, they will not accept a return and that the only recourse was that I RESELL through them to someone else as they make profit again from the shoe. this practice is extremely low and dishonest. i've been fighting for the past few months to receive my refund. I reached out to Affirm, the credit card I used and sent them copies of the email where XXXX admits to the defective shoe sale. Affirm offered no protection to me as consumer, most likely because they are getting paid from the sale as well. both companies are extremely untrustworthy. 

Affirm asked me for evidence ( pictures and email where XXXX admitted to the defective item ). I provided Affirm with everything they asked for.. yet they decided that it was within XXXX 's parameters to sell me defective and fake shoes. I then found out that Affirm considers XXXX a " retail partner '' so i see why they decided to side with XXXX  in this matter. I have 2 recorded phone calls from Affirm, where their own supervisors are shocked at the decision of the resolutions team, seeing the evidence that was provided.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures outline with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

took more than 30 days with my credit dispute i demand they remove the items that i disputed as they have taken more than 30 days.
Product: Debt collection

My deceased father owned a time-share in Florida ( XXXX XXXX XXXX XXXX ). Somehow upon his death, the XXXX XXXX XXXX  @ XXXX XXXX Country Club/ ( XXXX ) have began billing me for some type of costs or other fees related. I am not at all involved, nor was I ever, in any type contractual agreement with the company. I have never visited the property nor stayed there, ever. I have applied for a mortgage recently. I only have 3 negative reporting items on my credit - All 3 are from this company who refuses to talk to me after hours and hours of trying to reach them. I always get shuffled around before I am hung up on. It's costing me ( eternal ) $ $ in my rate-lock and time off my job trying to earnestly resolve. Although after months I still have been unsuccessful in speaking to anyone that seems to care. Now the bogus debt is being reported by Meridian Financial, a collection agency who now seems to holding a bogus debt and is reporting 3 separate items - 2 quite large, for something I am totally un-obligated for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached document shows various information of fraud that has happen for quite some time on credit report. I have all documentation attached to this email as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is crazy guys. I just filed a complaint against Equifax three days ago about not being able to obtain my report for numerous reasons. I explained how I'm about to lose my home in escrow and thousands of dollars in deposit, inspection, and appraisal fees. I described all the steps I took in trying to have Equifax release my credit report or remove a freeze or a XXXX  alert from my credit report so the loan officer can obtain a copy. I even provided a copy of everything I have done to have Equifax release my report such as provided faxed letters to Equifax, e-mails to a data furnisher named XXXX, responses from Equifax, and even a copy of my license and social security card. So what does Equifax do in their response back to me? They tell me to provide a copy of my driver 's license and social security card ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 

I'm sorry for the the overly exaggerated ellipsis but then again I'm not. Do they think I'm XXXX? Or are they feigning stupidity and incompetence? Why would they ask me to provide documents I already provided to them numerous times including through your portal unless they were purposefully attempting to agitate me and give me the proverbial finger? This is proof of exactly what I complained to you about. They DON'T CARE and are purposefully negating my lender from obtaining a credit report and therefore purposefully and willingly impeding me from closing on my home. I honestly don't even know if their response to me from this complaint will be in time to close escrow. Escrow has already been extended on multiple occasions and there won't be anymore extensions. I also don't have time to mail in my response and wait for their mailed response back to me as they wanted me to do in their asinine response to me. Please help me. I'm begging you. I don't want to lose this house because of Equifax 's incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have traveled to XXXX on XXXX as a tourist and then went back to XXXX to get my documentation and got my renewed SSN ( I first got it 10 years ago when I was in XXXX for three months as a XXXX ) on XXXX only. 

I opened my XXXX and noticed that somebody took my SSN and opened {$710000.00} mortgage at PHH MORTGAGE SERVICES on my name. 

I disputed it twice via XXXX but they say the dispute was denied by the company. 

I have my I-92 form as a proof that I entered the country as a refugee on XXXX until then my SSN was not even active. 

I would really appreciate your help. 

Thanks!
Product: Credit card or prepaid card

This is in regard to my business credit card ending in XXXX with American Express. 

I had an Amex offer which asked me to spend {$1000.00} to get {$300.00} cashback on AmexTravel.com Despite spending this amount, i did not get the cashback. I filed an escalation which was resolved without talking to me. 

The reason for denial is stated as " The transaction was done on amextravel.com '', as demonstrated in the attachment those were literally the terms in the title of the offer. 

I understand Amex made a mistake in mismatching the terms in title and fine print, however as a customer, I should not be made to suffer for that.
Product: Debt collection

XXXX   -2017 To  whom it may concern : I would like to file a complaint against Financial Corporation of America, this collection agency has been harassing me for medical bills that I do not owe to   XXXX   XXXX    XXXX  /   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .     I have notified this collection agency more than once, that I do not owe any outstanding medical debt to   XXXX   XXXX  y  XXXX  /  XXXX   XXXX    XXXX   XXXX   XXXX , yet they continue to bill me, as well as call my telephone.     I have contacted my insurance companies regarding these debts, and they have never received any claims for any of these amounts.     What is going on is that I feel that I am purposely being targeted for harassment by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  because they have previously tried to bill me for fraudulent medical procedures that were not performed on me, as well as I was previously charged by them for self-administered medication that I could not have given to myself due to the fact that I was under  XXXX , as well as they previously billed my insurances for extended stay in the recovery room when that was not the truth.     I had contacted their administration regarding the fraudulent charges that they continue to bill me for since last year, and their administration did nothing, they were supposed to contact me back, and they never did.     So I have made a claim to  XXXX  for the fraudulent charges for the medical procedures that were never performed on me, and they are being investigated, and this is why  XXXX   XXXX   XXXX  /  XXXX   XXXX    XXXX   XXXX   XXXX  has been harassing me.     They have sent me bills in the past with several consecutive dates of service, as though I was in the hospital for several consecutive dates, when my stay at their hospital has always been   half a day and never for consecutive dates, and I have always gone home the same day after my procedures.
I owe none of the Fraudulent debts that   Financial Corporation of America is billing me for, and I want any derogatory information that they have placed on my credit files removed, and hard copy proof provided to me on their letterhead that this has been done.     I want Financial Corporation of America to cease and desist from contacting me, I have told them more than once that I do not owe these debts, yet they continue to harass me, and they are leaving me no choice, but to seek legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.0N XXXX I REQUESTED THE METHOD USED BY TRANS UNION , XXXX  , AND XXXX ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM XXXX  AND XXXX, TRANS UNION NEVER RESPONDED. XXXX AND XXXX  THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO TRANS UNION , XXXX   AND XXXX EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED
Product: Mortgage

We missed a payment during a financial hardship. SunTrust will not try to help their customers at all. For several months during XXXX, I paid two house payments. I was currently due to pay three payments in XX/XX/XXXX. I could barely afford to pay the two payments. A few days after I paid the two payments, SunTrust reversed the payments and held them until they applied them to my mortgage on XX/XX/XXXX. I attempted to pay in XXXX and I was told they would not accept my parent because I was now in foreclosure. I am trying to modify the loan but now they want me to repay a 40 year mortgage when I'm only 8 years away from satisfying a 30 year mortgage. Prior to this crisis caused by SunTrust, I paid my mortgage on time and was paying additional principal.