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

Consumer attempted to find a temporary living situation in XXXX, Georgia so that she could work a month-long film job. A suitable option was found at XXXX. Consumer got in contact with the renter, renter provided a rental application, then a contract, and requested payment via wire transfer or mail. After rental application was submitted and approved, payment was made via a bank to bank transfer ( wire ). After payment was made, renter stopped responding to phone calls, texts, and emails. 

Fake real estate company : XXXX XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX ( fax ) / XXXXXXXXXXXX / XXXX XXXX  XXXX XXXX, XXXX, NE XXXX Contacts : XXXX XXXX XXXX and XXXX XXXX XXXX Recipient Bank Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Notes : -Chase bank is unable to retrieve the funds in question, but has opened a claim. They say the funds are no longer available in the recipient account.
Product: Debt collection

XXXX  XXXX XXXX Amount {$1400.00} XXXX XXXX XXXX Amount {$1700.00} Both are medical bills and have been pass to 3rd party collectors that I didn't authorize them to obtain my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my original ftc report on XX/XX/21 and the accounts was not removed or block. Experian is taking it upon themselves to do what they want instead of following the law. The law states that anything included in a ftc report should be removed from the report in 4 days. Always I know my rights as a consumer, I am the original creditor and only I can validate any alleged debt. Experian keep says that these accounts have been validated by the creditors but have not provided any written proof from the creditors of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday XX/XX/XXXX I the Secured party creditor sent a letter certified mail which contained a proof of contract request between the secured party and the president " XXXX XXXX '' of speed loan company making these commercial claims against me. " Without prejudice ''. If one cant provide the information within 30 days they must by law remove the derogatory mark. " XXXX '' my rights are governed under this law. Now following my due dilligence I have made a report to identitytheft.gov to report the theft of this debt collector making these claims that I the good faith creditor blood and flesh owe a debt in the United States of America. Next I have come to the CFPB because by law this collector has violated my rights. Furthermore this collector was place on my credit without my written permission. 15 usc 1681b under this title and section my rights are governed. Also this collector is in vioation of 15 usc 1681n Civil liability for willful noncompliance. Which states ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I never authorized this consumer transaction and i never authorized the furnishing of this this transaction.
Product: Checking or savings account

I was a happy customer of Simple Bank. They decided to shut that bank down and transition everyone to BBVA. 

This transition happened yesterday ( probably ). I tried to enroll as a new BBVA customer, per the instructions in the emailand my accounts are now locked and inaccessible. Calling the CS number results in being hung up on, in the rare occasion they even answer to begin with. 

I have spent the better part of the past two days attempting to unlock my accounts, so I can pay bills and make sure all my automatic payments are still on track to be paid. 

This is a mess. And what makes it all worse is : I didnt ask for this. I dont actually want to be a BBVA customer, but, until my accounts are unlocked, I cant even close them down and move my money to a competent bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT LETTERS TO XXXX, XXXX, AND EXPERIAN ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/scrub>XX/XX/XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Payday loan, title loan, or personal loan

This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, REGIONAL FINANCE - ACCT # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2021, as of XXXX am I had accidentally gotten a TransUnion subscription when trying to get information about my credit score. I found out when TransUnion sent me an order confirmation via email charging me {$1.00} for the credit score and another {$24.00} for the subscription. Panicked, since I didn't intend to spend money, I unsuscribed. However, the website told me that my data would be unprotected so I made an account with XXXX. However, I instantly regretted that decision and tried to get my account cancelled, even using the number on the website : XXXX when the website clearly made account termination impossible. I called to cancel my XXXX account. I was directed to customer service and was requested to give information on my name and social security number. I was told my account was canceled and I would get an email confirmation in 15 minutes. However, 15 minutes after XXXX XXXX, which is when I ended the call, I had received no such email. Even now, I haven't received it. Considering the shadiness of those companies and that they have deceived me, I don't know if I will ever be able to cancel and delete my account by solely dealing with them so I am reaching out for help.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 sent {$70.00} through MoneyGram to my son. He travels oftn so during the course of a month I have used this service over the last 2 years. 
Illinois to Illinois, pick up cash at any location He was told that the transaction was " invalid ''. 
I called and was told MoneyGram sometimes reviews transactions and this one was reviewed and cancelled. No Why. The rep just read from a script. He has no supervisor or manager that I could speak to and my money will not be returned for 10 business days. Why was it invalid? My money, I have a right to know why my $ have just disappeared for at least 10 days. Internet blogs seem to indicate that this is becoming a common occurrence since the appointment of a new compliance officer at Moneygram. 

Smacks of deliberate fraud. How much money passes through and is " held '' giving the customer no reason. Quite a large amount of interest to be earned by Moneygram. 
Something is really rotten about this whole thing. 
Authorization # XXXX Ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX  XX/XX/2022.
Product: Debt collection

Arnold Harris PC has been harassing me for over 10 years for something that never had anything to do with me.
Product: Payday loan, title loan, or personal loan

I had a couple of security issues surrounding the house I've lived in for over 25 years recently. So I decided to get security cameras. I had a email from this company so I responded and spoke to a lady who quoted me a price of XXXX dollars for this system. It included so I thought the front and back door camera 's. After the installation they gave you 3 days to cancel, but there was no reason to cancel it was working well. Then I finally got the bill about 30 days later and it was for over 800.00. I was floored. When I called the company they told me that some one would get back to me, no one ever did. The finance company said they went on what XXXX told them and they submitted 800+. When I spoke to someone at XXXX he stated XXXX was for the kit which I thought I was getting, but that I had an extra camera added. The front door camera. I explained to the that this was not within my budget and no one every told be anything about an extra camera I had to pay for or I would have told them to forget it. He told me that I would have to speak to someone in management who would listen to the initial call to see what was said. No one ever contacted me back so I called again. This time I spoke to a very rude lady. I explained that at the time of the sale, I asked the sales person what was better about her company and why I should go with them instead of another company that didn't require any out of pocket for cameras or installation. She was just a very nice person who seemed to be very concerned about my safety, that's how they got me. She told me they had better cameras and she was very comforting. I thought she was trying to help me, I was so concerned about what was going on around my house, that was really all I could think of. The only money this lady spoke of was XXXX. She never told me anything about 800+ dollars, she did say I would get a free camera. I feel like I was baited and switched. When I called again they told me that someone would get back to me with the voice recording of the sales pitch, but no one ever has. They are billing me XXXX a month for this 800.00+ for this equipment. I called today to get the pay off balance and to see where to send the check and they told me there is no place to send the check you have to do it on line. That was it for me. I'm not going to pay them XXXX a month for the rest of my life for this XXXX equipment I'll pay them off, but I just want to know has anybody else had this experience with this company and what if anything can I do. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : MIDLAND CREDIT MANAGEM Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Tx, XXXX Dear MIDLAND CREDIT MANAGEM I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX sent to them billing error several times they never responded. Paid bill in full using remittance coupon didnt apply to bill turned services off. Charged debt off sent to Deb collection agency l
Product: Mortgage

I received a notification that my home owners would be in default as it was not paid in XX/XX/XXXX. I went to the bank servicing my mortgage which had an escrow to pay my insurance on XX/XX/XXXX and was told they had hired a new 3rd party to handle these transactions and was having troubles. They contacted my insurance agent on XX/XX/XXXX that it was the bank error and that payment would be expedited. 

As of XX/XX/XXXX, payment still not received so I have paid in full against my credit card to avoid cancellation which would be on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

I went to ace in XXXX, Texas and received a payday loan of around XXXX to XXXX dollars. I lost my job before it was time to pay back the loan and talked with a few reps about resolving the issue. They said someone from management would give me a call to walk me thru the next steps and step up a payment plan. I was never contacted and when i called a month later an employee placed me on hold and never returned to the phone several times. Now over a year later the are calling my grandmother and anyone they believe to be kin yelling, threatening legal action against them if i do n't pay before they ever contacted me. Once I finally got in contact with someone they said the are filing criminal charges for check fraud, and once I told them I XXXX have n't worked since last year the lady stated good luck with the judge and the courts.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ Creditor 's transunion for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX LATE PAYMENT : XXXX XXXX  - XXXX
Product: Debt collection

You are attempting to collect on a debt that is not owed. OnXX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX attached ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill ( see attached bill ). Only my name should be on the bill as is shown on my contract ( see attached contract ). I provided a copy of my contract and details of their errors and received a response from XXXX XXXX XX/XX/XXXX clearly stating that everything is correct according to them and notification that I will receive a late fee if they do not receive my payment in full by the due date ( see their response attached ). Since they did not wish to honor their written contract, I would be forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill attached ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. If XXXX XXXX XXXX XXXX doesn't immediately clear up this matter, I will immediately file suit through Consumer Fraud Legal Services. The documents, including XXXX XXXX XXXX XXXX   written attempts directly and indirectly to collect on a false debt have already been forwarded to the FTC. Thank you.
Product: Student loan

I have currently been with Navient XXXX XXXX company but after XXXX years of making payments I found out that the XXXX loan division was showing that I owed them for the exactly same loans making it seem as if I never paid my XXXX loans when in fact I had been paying for more that XXXX years. I have all papers to prove this fact and when contacting Navient they were of no help! I was then released from my place of work after almost XXXX years of employment and continued to make payments even during unemployment until I was no longer able to make payments which were not being shared with the XXXX  loan agency. I have paid more than my loans back and would like a resolution to this life-long payment issue. 
XXXX XXXX
Product: Debt collection

BYL Services reported to XXXX credit reporting agency XX/XX/2016 an account that they placed with another agency. The lady I spoke with on the phone said that they did n't. She was very rude and I was calling in to clear the debt. She said they had placed the account with another agency and i should take it up with the reporting agency. I asked her if she could look into it and she said she already did. Very rude and false reporting from this agency.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was alarmed to find that I am a victim of identity theft. Several accounts on my report were not opened by me. I am deeply concerned that this inaccurate information is included in my credit profile and that your organization has not upheld reasonable procedures to ensure maximum accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate information, and every step must be taken to ensure the information reported is completely accurate and correct. 

I have already contacted the Federal Trade Commission and filed a complaint ( # XXXX ). I kindly request that you block and eliminate all fraudulent information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of these accounts within four business days of receipt. Specifically, please block and remove all information related to identity theft, including the following : XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Fraudulent Address ( XXXX ) XXXX Fraudulent Phone Number ( XXXX ) XXXX Fraudulent Phone Number. 

Additionally, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : The names and business addresses of each individual with whom you verified the information above, so that I can follow up, the date on which you contacted the individual information furnishers, and the method of communication used to verify the information.
Product: Mortgage

My loan started with XXXX then sold off to XXXX and now is with Nationstar Mortgage. Since XX/XX/XXXX I have been with Nationstar and they have now TWICE, took out double payments for the months payment. Example in XX/XX/XXXX they took out XXXX then three days later {$720.00}. Now we are in XX/XX/XXXX, they took out {$720.00} XXXX XXXX and another XXXX on XXXX XXXX. Also, they have been trying to charge me a {$25.00} fee due to insufficient funds in my account when they took the second payment out in XX/XX/XXXX as an unauthorized ACH. Do not bank with them, with will be nothing but nightmares, I have made 4 calls to them and nothing was done. Finally tonight NationStar conferences called my bank to reverse the unauthorized payment for XX/XX/XXXX and I have to file paper work now. 
-pure nightmare
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has been badly damaged to fraud and the timing is very bad, since I want to apply for a HELOC.

I have 2 acts of fraud leading to 2 collections against me : One is for {$1700.00} to XXXX and the account was opened up on XXXXXXXX I spoke with XXXX on XXXX and was informed I would need to file a police report which I already did. They were able to confirm the account was opened up to an address that has no affiliation with me ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX. I have lived in 3 locations in my life all located in XXXX XXXX which are accurate on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX which is my current address. 

The second charge is for {$510.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was not able to speak to anyone helpful from XXXX. I also made mention in my police report this was a fraud charge too. This is apparently a Texas based utility company.