23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I signed up with UFL in XXXX of 2023. I can not even get them to speak to me about the debt repair services they sold me. I have countless unanswered messages in their portal as well as email and phone. I bought a package that included services for my wife and it is the same in that account as well.
Product: Credit card or prepaid card

On XX/XX/2023, a remittance transfer of {$2500.00} was sent to Bank of America but has not been processed. While Bank of America acknowledges the payment, they are unable to decipher it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$4500.00} ; 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  Balance : {$610.00} XXXX XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX
Product: Checking or savings account

I recently found out there was unauthorized account access/use ( in which I had no acknowledgement of many years )! 
The account used couldve been ceased in the year of 2017- Wells Fargo issued me ( XXXX ), an check for {$150.00} from an account in 2017, but will not allow any additional information on this account *Please assist* XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian in regards to incorrect address on my credit report. The addresses that should be removed is XXXX XXXX XXXX XXXX XXXX, Ga XXXX, XXXX XXXX  XXXX XXXX apt XXXX, XXXX, Ga XXXX, & XXXX XXXX XXXX XXXX XXXX Tx XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, GA XXXX. I have also ask to verify and remove the US AUTO Finance/ do to my credit report stating the balance of XXXX, & the account transferred over to new lender. Please delete
Product: Credit card

XXXX ) when I opened the account, the branch representative failed to enter my SSN number resulting in the failure to accumulate any credit scores 2 ) when I opened the account, the branch did not ever provide information about how to earn the XXXX dollars account opening promotion 3 ) Bank of America continued to disabled my ability to use the rewards offers 4 ) they have not compensated me for last year 's blocking of my card and their agents repeatedly provided false and misleading information to me about unlocking the card
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We financed a XXXX XXXX in XXXX, XXXX for 6 years. XX/XX/XXXX should have been our final payment. However, we took two ( 2 ) extensions and one date change. That should have made the final payment to XX/XX/XXXX. We filed a complaint with CFPB during late XXXX.We received a letter from CFPB dated XX/XX/XXXX. We received a letter from CFPB dated XX/XX/XXXX stating the company ( XXXX XXXX XXXX ) had responded to our complaint. That letter stated that XXXX XXXX received our complaint and that a XXXX XXXX had satisfactorially explained to my wife the terms of the financing. That's a blatant lie. The truth of the matter is that XXXX XXXX was supposed to explain the matter to my satisfaction. I personally made three ( 3 ) phone calls to XXXX XXXX, none of which she answered or returned. To make matters worse, CFPB simply closed the complaint without lifting a finger to check the merit of XXXX XXXX claim. I will continue to follow up on this claim until i get a legitimate response.
Product: Vehicle loan or lease

XXXX having financial hardship now and would like to lower my payment I will call them tomorrow. Thank for letting me in on this.
Product: Credit reporting

I purchased a home in XXXX and financed both the XXXX & XXXX loan through same lender. Home was foreclosed in XX/XX/XXXX. It appears lender wrote off any unpaid balance on XXXX lien but sold the XXXX lien to a collection agency that goes by the name of XXXX XXXX XXXX. 

XXXX XXXX XXXX is keeping the XXXX lien on my credit report as active and open loan. There has been no payments since XXXX XXXX. Collection on the debt is barred by the Statute of Limitation in Texas. I want the loan to show as closed and not as an open & active loan.
Product: Vehicle loan or lease

We pulled ahead the lease and got a new lease. When I called Ford Motor Credit to see how it will work since we were paid ahead when we pulled ahead the lease I was told by the representative on the phone that Ford Motor Credit waives the last 3 months of the lease term and then should check with the dealership to see what they did with the remaining amount owed. This call happened on XX/XX/XXXX starting at XXXX and originated from phone number XXXX. 

I then checked the lease documents and saw first that they rolled the full amount owed into our new lease and the amount they rolled over was more than was owed according to Ford Credit. 

I spoke with XXXX the finance director at XXXX XXXX and XXXX, the dealership, on XX/XX/XXXX and was told they know nothing about waiving the last three months. They did admit they owed us {$140.00} which is the amount over the amount owed that they rolled into the new lease. They claim that " incentives '' covered the amount rolled over but could not pin point which " incentive '' did that. When I pushed that Ford Credit said they were waiving not giving an incentive XXXX claims to have called Ford Credit but his account of my conversation was not in any way accurate to the actual call.
Product: Debt collection

In around XX/XX/year>, Midland Credit Management , Inc. ( MCM ) attempted to collect an alleged debt by trying to serve me legal documents at my parents home at XXXX XXXX XXXX, XXXX, TX XXXX. I do not live at this. 

MCMs representatives arrived at my parents residence, alarming my XXXX  parents, who are not connected to this debt. Neighbors also observed MCM representatives waiting in a car outside the property, further escalating the situation and embarrassing my family. 

This attempt to serve legal documents at an address where I do not reside is improper and harassing. Additionally, the involvement of neighbors and the unnecessary stress caused to my family is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits third-party disclosures and harassing or oppressive conduct during debt collection efforts.
Product: Credit reporting or other personal consumer reports

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESNT HAVE EXACT INFORMATION AND STILL APPEARS IN MY CONSUMER REPORT. 

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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX received a dispute from XXXX dated XX/XX/2023 stating all bankruptcy information was deleted from their system. On XX/XX/2023 XXXX in case # XXXX reported the information unverifiable and Experian XXXX XXXX will not validate their sources of information. XXXX has deleted this information. 
FCRA REINVESTIGATION Pursuant to section 609 ; you must provide the physical documentation on file held by the credit bureau, which was used to verify the reporting of the accounts listed below. Pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) I demand in writing ALL INFORMATION in my consumer file at Experian XXXX XXXX, stored by any of its subsidiaries, or any other entities maintaining data on behalf of Experian XXXX XXXX or its subsidiaries as of the date that you receive this letter regardless as to how, where, or in what form it is stored. In the event the credit bureau does not have physical documentation stored within their business records to verify reporting of the item listed below it must be deleted & blocked immediately. Any item after the investigation that the credit bureau determines to be UPDATED or VERIFIED within 15 days of such determination shall provide me explanation of the nature of the dispute and include all evidence used that led to such determination pursuant to 15 USC 1681i.
Product: Credit card or prepaid card

I refinanced my home in XX/XX/2022. 
I decided to pay off 4 of my credit cards. 
Bank A is XXXX Bank. 
Bank B is Citi Bank. 
Bank C is a not to be named bank. They received their check, cashed it and posted to my account- no issue. 
Bank D is a not to be named bank. They received their check, cashed it and posted to my account- no issue. 

The title company mailed me my copy of my new and notarized loan docs along with 4 checks made out to a specific bank- to pay off each credit card. 
[ 1 ] The title company [ XXXX XXXX XXXX ] sent me the check made out to Bank A for {$6400.00}. I added a hand written note indicating what the check is for and the credit card account number the check is to be applied to. 
[ 2 ] The title company [ XXXX XXXX XXXX ] sent me the check made out to Bank B for {$7700.00}. I also added a hand written note indicating what the check is for and the credit card account number the check is to be applied to. 

After a week I went on the banks website and noticed that the payment was not applied, I called my loan officer. I called me back and told me the title company has the cancelled checks from BOTH Bank A and Bank B. He sent my copies of both checks - then front of the check and the back of the check. He also gave me the date and time Bank A received and processed their check and the date and time Bank B received and processed their check. 
I called each of the banks customer service phone numbers and after talking to numerous people in each bank I was able to open a CASE regarding this issue of loss of payment and applying to my respective accounts ; thus I have Case XXXX with Bank A and a case XXXX with Bank B. 

Both banks promised quick service [ a lie ] ; Bank A gave me a conditional credit until this issue is resolved ; Bank B said that I will have to make a payment until this is resolved [ including added interest ]. 

Also both Bank A and Bank B told me this will be resolved within 2 or 3 business cycles. They DO NOT HAVE THE STAFF TO WORK ON MY ISSUE.
Product: Credit reporting or other personal consumer reports

I am demanding the immediate deletion of a previously disputed, fraudulent account. I never received written notification of the dispute results, which violates the Fair Credit Reporting Act ( FCRA ). 

FTC REPORT ATTACHED
Product: Debt collection

XXXX-2023 XXXX XXXX XXXX  XXXX po box XXXX XXXX, SC XXXX Re : Cease and Desist Request for Account {$600.00} Date of Account Open XXXX-2023 Dear LVNV Funding LLC I am writing to formally request that you cease all communications with me regarding the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me. 

Effective immediately, I demand that you cease all further communication with me in any form, including phone calls, emails, or written correspondence. 

Please note that I am aware of my rights under the FDCPA, and if you continue to contact me after receiving this letter, I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney Generals office. 

If this matter is related to an invalid or disputed debt, I reserve my right to challenge it and request that you provide documentation or verification, as required under the FDCPA, before pursuing any further action. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the agreement entered into by XXXX XXXX, the borrower, and the US Dept of Education in conjunction with XXXX XXXX XXXX XXXX University, the borrower was declared XXXX XXXX XXXX   XXXX by the Federal Government and offered complete forgiveness of all federal student loan debt to be paid by XXXX. The borrower, XXXX XXXX, accepted the offer and was able to successfully abide to the rules of the agreement, including a monitoring period of three years in which the borrower would maintain federal acknowledgment of being XXXX. This agreement provided that should the borrower meet the criteria of eligibility, upon completion of a three year monitoring period, all federal student loan debts would be paid by XXXX , XXXX, and The borrower would be released from all debt obligations, and that these debts would be held to reflect no negative payment history, nor any attempts to be placed into collections nor sold to any collection agency. The borrower became XXXX in XXXX of XXXX, and was offered forgiveness due to XXXX XXXX. The agreement provided by the federally accredited student loan forgiveness repayment organization, XXXX , XXXX, outlined that during the investigation period no debts would a reflect late or negative payment history, nor would interest be charged to any accounts ; and that if at any point the borrower did not meet the criteria necessary for XXXX classification, or was no longer classified as XXXX by the Federal Government, he would be responsible for repaying all debts to include any interest incurred as stated by the original loan agreement. As of XXXX, the borrower continues to maintain classification as being XXXX XXXX XXXX   XXXX and was determined to have met the criteria outlined during the monitoring period. As such, all federal student loan debt has been paid by XXXX, XXXX as agreed and should reflect all accounts as paid and closed, and represent no late or negative payment history. Additionally, as stated in the agreement, no accounts should have been placed in collections nor sold to any collections agencies as all accounts are considered to have been paid in full and on time. The reflection of any accounts held with XXXX XXXX XXXX XXXX University or the Fed Dept of Ed stating negative payment history and/or placement In collections violates the agreement between XXXX, XXXX with XXXX XXXX XXXX XXXX University and the Fed Dept of Ed. As both institutions have received payment as agreed, and all stipulations of the agreement were honored, negative reflections of payment history and/or any accounts placed in collectionsor sold to a collection agency are the be understood as fraudulent representation of account information. Both agencies have been made aware of this and continue to place negatively impacting information on the borrowers credit history indicating both institutions guilty of fraud.
Product: Credit reporting or other personal consumer reports

I was made aware of a fraudulent account on my credit report when trying to apply for a loan this is been over a year ago I notified the creditor was told they couldnt do anything about it it was bad not fraud I have disputed it numerous times I have included a FTC report a police report and verification that I did not live at the address to which this credit card we sent Capital One has refused to take it off my report the amount is {$310.00} that is the past due amount they have closed the account four times every time it shows up on my credit report as a new closed account they have on numerous credit checks which also shows up as a hard check affects my credit theyve Not being cooperative at all not helpful at all
Product: Checking or savings account

I have an account with PNC. For the past year a ACH has been taking money out of my account listed below. for a total {$1400.00} PNC has told me they have no way of tracking who is taking this money. They have given me the phone # of XXXX XXXX listed below is the response I received via email form them. PNC the last time I spoke to them said the charges originates from XXXX XXXX and gave me the same contact the XXXX XXXX who said they do not take money from anyone account.
I only discovered that they were removing money from my account in early may and filed two Disputes for the last 60 days as my local branch manger suggested. PNC later sent me a letter rejecting the dispute and saying I only have 24 hours to file a dispute. Dispute the Branch Manger ( XXXX XXXX ) say that they blocked future withdraws from this account. I had to file another dispute on XX/XX/XXXX for  {$170.00}.
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This all started after I switch cc providers from XXXX XXXX XXXX XXXX, whom I have contacted and they said my account has been closed since last year and they have not taken any money since. Who ever is taking this money has never sent me a statement re these charges or have I authorized whoever to take money from me.
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We are not authorized to remove money from anyones account. Please speak to your bank and they will be able to tell you which company is removing the money.
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Regards, XXXX, Administrator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, ext.XXXX XXXX : ( XXXX ) XXXX Direct ( XXXX ) XXXX  Sprout of success May your business blossom!
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XX/XX/XXXX CORPORATE ACH XXXX BANKCARD DEPOSIT CCDISCOUNT {$100.00} XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX  XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$180.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX  {$88.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$100.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$81.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$79.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$140.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$150.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$87.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$68.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$76.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX
Product: Money transfer, virtual currency, or money service

Multiple deposits were made to an account that turned out to be fraudulent. Through Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Mortgage

The dates are daily and go back for three months. I've been in legal battles with the management of the park my home is in for two years. We've been mostly successful until recently, due to my constutional rights being outright ignored. I've never missed a lot fee nor have I neglected to pay my mortgage in nearly 9 years. I may be late. Especially now that I have to pay a mortgage for a home I can not live I and the rent of the apartment my family currently resides in. The mortgage company representative has called and emailed me daily, sent letters that have threatening language, in spite of me telling him to stop this harassment on multiple occasions. I have given him a date that my mortgage will be paid, that is within reason. He continues to email me, and speak to me in a condescending, disrespectful and unempathetic manner. Given my unique circumstances, his actions are both deplorable and from what I've researched, illegal. If this continues, and I'm sure it will, I plan to seek out and take all that the law allows me to from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.