23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

The amount was {$2900.00} in U.S currency. Sent from usa to XXXX. Sent via Remitly to the XXXX XXXX XXXX XXXX. Sent on XX/XX/2019 and according to them it was completed the on XXXX of XXXX. They claim the bank has the money but my family member went back two times and they're saying no transfer has been made with the transcation number they gave me.
Product: Debt collection

I sent a request to the collection agency requesting under but the Fair Debt Collection Practices Act, 15 USC 1692g stating I am requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I requested them to provide me with competent evidence that I have any legal obligation to pay them. 
I requested the Name and address of alleged creditor 1. Name on file of alleged debtor 1. Alleged Account number 1. Address on file for the alleged debtor 1.Alleged Account number 1. Amount of alleged debt. 
1. Date ( this alleged debt became payable ). 
1. Date of original charge or delinquency 1. Was this debt assigned to a debt collector or purchased? 
1. Amount paid if debt was purchased 1. Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt. 1. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector 2. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor 3. All statements while this account was open 4. Have any insurance claims been made by any creditor regarding this account? They never sent the documents requested and updated the credit busreas stating " Account information disputed by consumer, meets FCRA requirements ''
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for XXXX XXXX XXXX XXXX XXXX. I have tried numerous times to have this situation resolved with no resolutions. 
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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information Equifax : The account type is blank & date last paid is inconsistent with the data against XXXX & Equifax. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted XXXX : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported XXXX : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this incorrect information on my credit report that I've been trying to fix. If they can't fix this I'll be forced to sue.
Product: Debt collection

I am the co-signer on my sisters student loan. She got behind on a payment and they started calling me instead of her. I promptly informed my sister and she contacted Navient and they said my number would be removed from the call list. They started calling again from a different number. When I spoke with them I asked if they had contacted my sister as i had in the past. They said they tried but could not reach her, but just like in the past my sister said they did not. She called Navient again and they said they are not sure how my number ended up in the list again and said it would be removed again. 24 hours later Im still getting calls
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$2300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Opened the account in XXXX for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Paid off balance owed and they still have a balance on my credit profiles of {$210.00}.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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

Complaint is in regard to a mortgage originated in XX/XX/2015 for a single-family, owner-occupied home in California. I think we are eligible to request cancelation of our PMI because our home has risen in value since our purchase, however I received a response that indicates we have not met " the seasoning requirement, '' which appears to be two years. Note : we have resided in the property since the loan 's origination in 2015. 

This home is in California, therefore it appears we should be eligible for relief based on Cal CC 2954.7. I have also directed my issue the California Department of Business Oversight Please advise if I am not reading the statute correctly. 

Thank you.
Product: Credit card

I consistently pay on time, so its unclear why this company reports late payments. As per USC 1666b, errors should be corrected, and my account should show payments as on time.
Product: Debt collection

Someone in Illinos is using my social secuirty number. I sent a questioner to AT & T and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?
Product: Credit reporting, credit repair services, or other personal consumer reports

The recent XXXX data breach means that almost every adult American must now lock or restrict their credit for in indefinite period of time.
Agreeing to XXXX free credit monitoring service forces consumers to waive their right to sue Equifax.
When I attempt place a credit freeze on the XXXX web site the system simply responds that it can not process her request at this time.
Every day that this condition continues the risk to all consumers increases.
This situation ultimately causes financial harm not only to consumers but to the entire US economy.
If consumers ability to acquire credit is hindered because of the failure of an organization to protect the data of those consumers ( whom never gave consent for that data to be collected in the first place ) is harmed, it will extend to the larger economy.
Adding insult to injury, news reports suggest that members of the XXXX board of directors sold their shares of company stock prior to public disclosure of this breach. 
Ultimately this calls into question the future of regulation of the entire credit reporting and data collection industry. 
I implore your team to consider launching an inquiry into the viability of legal action to protect and compensate consumers and to protect the economy in general.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year> ), 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 XXXX Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a U.S. Bankruptcy Court, 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 XXXXThese 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 initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX : Single Item Water Softener Purchase for XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Request for Arbitration Dear Aqua Finance Inc,  This letter is to advise that The Holder Rule is being exercised in reference to the above referrenced account. 
I would like payments suspended till a resolution is reached with this account : 1. There was no authorization provided to open a revolving account with Aqua Finance Inc. and/or XXXX. No promissory note was signed and disclosures were presented and/or discussed. 
2. There was no disclosure of any interest rate. The understanding was for there to be payment of {$39.00} till the equipment is paid off.

3. None of the equipment operates or is functional. And is not being serviced by the account representative as promised. Failure to perform makes their contract void. 

Based on these issues, and potential others, there needs to be an arbitration meeting to discuss how both parties will resolve this issue. 

I look forward to hearing from you on how this can be resolved. 

Regards, XXXX XXXX
Product: Credit card

Discover Card will not close my zero balance accounts. 
Als I am receiving credit card offers at my house, sent to my XXXX XXXX XXXX son. 
I have called many times to stop the mailings but to no fix. 
I even moved, ( my son does n't live with me he is in the armed forces 13 years now ) They followed to my new address when I did. Change of address, just in my name. 
Called son and he says he is also having exact same XXXX. Problems They wo n't close accounts and constantly send credit card offers which he does no want. 
The time period of this is over the last 13 years. I declared bankruptcy during that time and they still send offers.
Product: Mortgage

We refinanced our mortgage in XXXX of 2016, utilizing Ditech 's option of having payments automatically deducted on our checking account bi-weekly. In addition, we added an additional XXXX dollars over our minimum monthly payment. Ditech pulls out XXXX every two weeks. We have had nothing but trouble with ditech. We receive late notices every other month, along with late payment fees of XXXX for each month they determine our loan is " late ''. We call ditech each time to express our frustration, and they refund the late fee, but the problem still continues. Despite requesting ditech pay for our credit reports and send them to our house, this has not happened, as ditech simply tells us they can see our credit report and there are no late fees listed on it. Today, XXXX, a customer service supervisor acknowledged the issue is on ditech 's end, as she can clearly see every two weeks the money is pulled from our checking account. She further stated that some accounts have issues on the bi-monthly payment system. This is not our fault as a consumer. They offer bi-monthly payments as a service we take advantage of. There is a flaw in their billing system for bi-monthly payments, yet they continue to offer this service. XXXX informed us that while she wishes we would not have this problem anymore, it will probably continue to occur. We have NEVER been late on this loan and this is extremely frustrating. We desire a mortage company that can accommodate bi-monthly payments, and we were signed up to have this service, however ditech is unable to maintain this service on their end without charging us late fees, even though money is taken out every two weeks from out checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my American express account is settled, we had a dispute about some charges and it is finally settled, American express reported my account as charge off when it should state settle, please fix the reporting and send me a copy of the credit report.
Product: Credit reporting 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. 

Unauthorized Inquiries : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from 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 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: Credit card

XX/XX/XXXX I received a scam phone call from Bank of America-at the time I felt it was them as I questioned them about my account and this person knew everything-they even had changed my password. They knew the purchases I had made. I confirmed my last few digits of my card which at that time I felt weird. I hung up and called Bank of America immediately. I told them this person seems to have everything-access to my account ( which at the time I had already gone in and changed my password twice ) I knew they had all my account information and I TOLD BOA that. The lady issued me a new card and canceled my old one. Hindsight I don't know why she didn't freeze my account. 
XX/XX/XXXX I saw a charge for a direct deposit or cash advance and I called. Again, I went through what happened and that I knew my account had been compromised. She assured me that she also saw the transaction and that it is being denied. I again told her I thought their accounts have been hacked as well because this person had EVERYTHING of mine and I did not give them access to my account. I did confirm my last 6 digits. 
Again, she assured me that they are on it and that my account is secure. 
I believe I called a couple times that day. XX/XX/XXXX, {$14000.00} deposit was accepted. Again, I called about this. They told me that I was scammed and this is my fault. They gave me a new login which should've been done 2 days earlier when I had first called. 
I was upfront and honest with Bank of America and I had called immediately before ANY transactions had been made. They FAILED to secure my account. They said I made the deposit because it came from a device I had-this is false. I told them this and they said that was the scam. Again. I get part of this is on me. However, I called before transactions were initiated and they didn't secure my account. Therefore I feel this is on them. 
I have appealed the ruling and am waiting for another ruling. I am dead set on not paying this because I warned them I had been hacked. They should have froze that account the minute I called. Why issue a new card if it's still linked to the one that was compromised? I have been with BOA for 21 years. I have NEVER made a cash advance or a deposit from the CC. NEVER. I told them that and they told me it is all denied.
Product: Credit card

Penfed has blocked my checking and credit cards, making it difficult for me to deposit money or pay my credit card bills. I do not have access to a Penfed bank nearby, so I rely on online banking for deposits. Unfortunately, they have limited my deposit options, causing me hardship as I try to make monthly payments on my credit cards. My account is frozen, preventing me from receiving XXXX deposits to pay towards my credit card balance. They also control where deposited funds go, resulting in the closure of XXXX of my credit cards. Though I have made payments on my gold credit card, the balance remains unavailable due to these restrictions. I am unable to manage my finances and pay necessary bills, which I find to be unjust treatment by the bank.
Product: Debt collection

XXXX transferred the debt of {$84.00} to Amsher Collections. XXXX I do not have and have not had any debt to XXXX. I had a router for home internet. I returned the router to the XXXX XXXX XXXX in XXXX XXXX. I have a document stating that the XXXX XXXX accepted the router from me.I had no debt at the time of the router 's return. The XXXX company did not notify me of any debt. I ask you to look into this situation and remove the debt from me.
Product: Credit card or prepaid card

I paid my American Express corporate card bill thinking it was necessary. Then, the company I worked for paid the same bill. Therefore, I have a balance of {$55.00}. The American Express card has since been cancelled but the balance is still there and tied to my name. 

I am unable to receive a refund and American Express customer service keeps referring me to a non-existent person  email address. 

I have already filed a complaint with the XXXX XXXX XXXX and my bank. 

I believe that American Express is engaging in fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I have attempted to inform Transunion, LLC multiple times about their grave responsibility as a furnisher to ensure they are reporting 100 % accuracy. They have failed and I plan on taking up litigation. I have reasonable cause to believe this information is in fact inaccurate. Please see my response in the document. Thanks for your help in this mediation.

Violation : FCRA section 623 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. a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

i did place an exhibt for you to review.
Product: Checking or savings account

Ive been scammed for the last 5 days for total {$7300.00}. When I found out about the scammers because they kept making excuses and created new issues to request multiple money I called the bank right away. Ive contacted the bank fraud department to file the dispute because Ive realized that Ive been scammed by the scammers and I was asking the bank if its possible to cancel the pending transactions and XXXX transactions from XXXX XXXX XXXX but they didnt answer me. My understanding that the bank can help me to reverse the amounts back to my account knowing that scammers are taken away my money called authorized push payment but the bank disregard and they didnt want to agree to reverse the payment or either my bank wouldnt help me do the authorized push payment.