23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Long storybut someone was driving around in XXXX XXXX for nearly 2 years getting parking tickets and tool booth violations with an expired license plate with the same lettering as mine. I was getting tickets in the mail for unpaid violations. My license ended up being suspended for all of this. I have spent numerous hours contacting XXXX XXXX and Parking Enforcement and after around 6 months of back and forth I finally got someone in XXXX to help me. They found the car with same license plate as me and booted it. That person then had to surrender his plate in order to get his car back. I went to my local XXXXXXXX XXXX XXXXXXXX and put the manager on the phone with the XXXX XXXX and after a few emails the XXXX XXXX issued me a new license and said this error would be removed from my record. So now trying to add my teenager to our family car insurance and its extremely high $ $ XXXX Insurance people are telling me its so high because of my bad driving record that shows up on your clue report. I need this incorrect suspended driving license recorded removed or stricken from my record.
Product: Debt collection

Hello, So i have received a suspicious looking letter from a no return address hand written, claiming i have some unpaid parking tickets? on a rental vehicle I would have had over a year ago in a different state. 

I never got a ticket, or a statement from XXXX, my vehicle rental company or a message from the company that was renting the truck that an infraction had occured. The vehicle plate number seems correct, but that could be a XXXX thing, or Im miss remembering my info. 

I suspect its fraud also because the letter arrive today, XX/XX/XXXX, and it claims should I want to dispute I would have to have done so by XX/XX/2022. 

how do I ensure that it's not a legitimate error from a real collections company and not just an outright scam
Product: Credit reporting or other personal consumer reports

This claim is an adverse action and counter claim to Wells Fargo Home Mortgage Wells Fargo Home Mortgage claims that XXXX XXXX XXXX is the debtor The counter claim is that XXXX : XXXX could not possibly be the debtor due to what the law says XXXX : XXXX is in fact a living breathing woman who has pledged Allegiance to America ( unincorporated ) and shall not be with LEGAL NAME nor considered to be a " person '' " corporation '' " agency '' thus making any existing contract null and void. 

31 USC 1501 ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of ( 1 ) a binding agreement between an agency and another person ( including an agency ) that is ( A ) in writing, in a way and form, and for a purpose authorized by law ; and ( B ) executed before the end of the period of availability for obligation of the appropriation or fund used for specific goods to be delivered, real property to be bought or leased, or work or service to be provided ; ( 2 ) a loan agreement showing the amount and terms of repayment ; ( 3 ) an order required by law to be placed with an agency ; ( 4 ) an order issued under a law authorizing purchases without advertising ( A ) when necessary because of a public exigency ; ( B ) for perishable subsistence supplies ; or ( C ) within specific monetary limits ; ( 5 ) a grant or subsidy payable ( A ) from appropriations made for payment of, or contributions to, amounts required to be paid in specific amounts fixed by law or under formulas prescribed by law ; ( B ) under an agreement authorized by law ; or ( C ) under plans approved consistent with and authorized by law ; ( 6 ) a liability that may result from pending litigation ; ( 7 ) employment or services of persons or expenses of travel under law ; ( 8 ) services provided by public utilities ; or ( 9 ) other legal liability of the Government against an available appropriation or fund. 
( b ) A statement of obligations provided to Congress or a committee of Congress by an agency shall include only those amounts that are obligations consistent with subsection ( a ) of this section. 
( Pub. L. 97258, Sept. 13, 1982, 96 Stat. 927. ) Counterclaim is that XXXX XXXX XXXX rebuts the assumption that Wells Fargo Home Mortgage makes that she is a legal fiction entity/person/corporation XXXX : XXXX invokes her Florida ( unincorporated ) State ( republic ) Constitution Right to invoke Common Law Jurisdiction Let the record show forth that Wells Fargo Home Mortgage has failed to comply with multiple Cease and Desist Orders, FCRA guidelines and policies, to follow and adhere to the T.I.L.A ( Truth and Lending Act ) rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : 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 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 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Allied Collections has been reporting inaccurate account information for years. The original outstanding amount was {$50.00}. Allied Collections has reported the collection amount of {$160.00}. In addition, I was not aware that I had an outstanding account bc I have n't received any notice of this amount being owed. Contacted the original service provider, XXXX on XX/XX/2015. Spoke with XXXX in the billing department. She informed me that the balance due was {$50.00} not {$160.00} which was paid in full. Two weeks earlier, Allied Collections, I provided my credit card information to pay the balance of {$160.00}. The account specialist was to email me a receipt which I never received. Not maintaining appropriate account information appears to be habitual in this industry. I would like a refund in the amount of {$160.00} in addition to all negative remarks and removal of this account from all credit bureaus.
Product: Mortgage

I was on a COVID-19 Forbearance plan with my previous servicer and then my loan was transferred to Mr. Cooper. I informed the new servicer my hardship has ended and I was ready to pursue a post forbearance option. The servicer collected some financial information and weeks later I received a letter in the mail dated XX/XX/XXXX saying I was denied for a FHA HAMP Modification due to excessive obligations in relation to income. I reached back out to the servicer to determine why I was denied and to ask if I was reviewed for all available options. The agent I spoke to claimed I was reviewed for all options and they gathered updated income information from me. I later received an approval dated XX/XX/XXXX for the FHA HAMP Modification but the payment increased by {$700.00}. I then received a letter dated XX/XX/XXXX saying I was denied for a Partial Claim due to exceeding statutory maximum and denied for a FHA Disaster Modification due to insufficient monthly payment reduction. I shared this information with a close relative who works in Loss Mitigation who suggested I call back to specifically ask if I was reviewed for FHA 's COVID-19 Advanced Loan Modification ( ALM ) and FHA 's COVID-19 Recover Modification. The agent I spoke with wasn't aware of those programs. I attempted to escalate by asking to speak with a Manager. I was informed all managers were in a meeting and that a call back request would be submitted. I was told I should get a call back within 48 hours. Two business days later I called back because I didn't receive a call back from a manager. The agent said there is an appointment for a manager to call me back at XXXX the following day which was beyond the 48 hour response I was promised. The next day, I didn't receive a call back at XXXX as promised but I waited until XXXX XXXX which would have been XXXX where the servicer is located before calling back in. I spoke with another agent to inquire about the manager call back and my review for FHA 's COVID-19 ALM and FHA 's Recovery Modification. This agent wasn't familiar with those options either and she claimed I didn't qualify for the FHA Disaster Mod due to not being current as of XX/XX/XXXX which contradicts what the denial letter disclosed. Both COVID-19 ALM and COVID-19 Recovery Modification does not have a requirement for the loan to be current as of XX/XX/XXXX nor does there has to be a payment reduction as mentioned in the previous denial letters. The COVID-19 Recovery Modification would be beneficial for me because it offers a 40 year term combined with a Partial Claim which would offer a payment that's roughly {$400.00} less than the modification I was approved for.
Product: Mortgage

Dear CFPB : I am trying to Refi to consolidate my debts so I can only have one payment : home mortgage. 
Company : J.G. Wentworth Date : Wed, XXXX XXXX 2017 XXXX XXXX PDT From : XXXX XXXX ( my loan officer / LO ) To : me ( my email ) Subject : Update on your home loan inquiry After this only one and initial contact, I could never contact my LO again.
I left her emails and vmails but to no avail. 
I have NO idea where my loan is standing. 
I have to go to her Supervisor to obtain the Appraisal Report that I paid outside of closing. 
I think there is something " fishy '' about this LO. Why do you have to hide from me, your customer??? ( figure of speech ) Please help. 
I have NOT signed the closing paperwork yet, and I have the 3-day Rescission period to protect me, a borrower.
May I ask you to intervene to find out why I am being left stranded.
I will look for another company to Refi. 
Thank you very much, sir/ma'am, s/Borrower PS : to all borrowers out there, please DO NOT GO TO J.G.WENTWORTH TO OBTAIN A LOAN. SOMETHING " FISHY '' IS GOING ON WITH THIS COMPANY.
Product: Credit card or prepaid card

There is a charge on my credit card that Im trying to dispute due to the fact that services were not rendered. Apparently US BANK states they sent me mail communication requesting additional information and I have repeatedly told them I did not receive this type of communication in the mail. Although this is a technicality issue and the dispute should continue as it is designed to you they are refusing to reopen an investigation, they have reverse the provisional credit and continue to charge me late fees and interest fees. I also did not receive any communication in the mail stating that this dispute was closed not in my favor until I received an email stating that my account was past due ... I do not carry a balance on my credit cards ever. I have continuously called US BANK and their claim representatives have told me that I now need to take up the issue with the Postal Service at is it its no longer there a problem. Due to their lack of respect for their costumers I have closed all accounts associated with this company and I am hoping that my credit reporting does not take a hit because they refused to cooperate with their customer on this issue.
Product: Checking or savings account

On XX/XX/2023 i made claim with Bank of America about my debit card fraud, they gave me a new debit card and told me they would investigate the matter. After they claimed they investigated, they denied me by stating that after researching they saw that i was the one who made the purchase, so i wrote them an affidavit asking them to rebut all which i have stated in it with wet blue ink signature and signed by a notary, and attest to what they accused me of, which they did not. They did not get me any details on how they went about conducting the investigation. By law they must comply with my demands. I will be taking them to arbitration.
Product: Debt collection

I received a text on XX/XX/2020 at XXXX XXXX cst informing me of my attorney to contact XXXX  XXXX. I have never heard from them or spoke with them before that day. I was asked to contact them at XXXX which I did. I verified my phone number and social security number with the representative. She informed me this was in reference to a debt that I had with ace cash express some time ago. I was told there is an outstanding balance owed of {$800.00} and was asked if I had committed fraud against ace cash express or did I run into a financial hardship. 

I can not remember the representative name but she sounded as if she was from XXXX or somewhere in that region, she offered a settlement of {$500.00} and I informed her that I could not pay that today. She asked if I could pay {$200.00} a month and I said no, then she started to get aggressive and I said {$150.00} a month I believe I could handle that. I proceeded to ask her for a letter in writing stating this payment plan, so I could have proof from their company in writing and she refused. She became hostile and verbally abusive to me. She stated that I just needed to give her my bank card or information. She would not allow me to explain why I was not comfortable with handling this matter this way. She then proceeded to tell me that I should get an attorney and that she is logging this conversation as a refusal to pay. I did not get a chance to say another word, because as I attempted to dispute her remark that I was refusing to make arrangements she hung up in my face. I have never in my life been treated so terrible and I know that is not in compliance with FDCPA laws and that I have rights as a consumer. I ask that you please assist me by investigating this company and their tactics. The representative also stated that she was in the legal department. Lastly the representative stated that she is turning my file over to the clerk of court office.
Product: Credit reporting

XXXX is reporting incorrect information on my credit report. Per my conversation with this company, they were supposed to update their information to reflect account was paid. It is still open on my credit report and not showing that it was paid in full according to their terms that were offered. 
I was told that if settled that this item would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a business account with XXXX XXXX on XX/XX/XXXX for my business XXXX XXXXXXXX XXXX. 
I Provided business EIN, Business Phone, etc. Account was not approved, I was told I need to contact XXXX XXXX to provide additional information. I did not. 

A few days later on XX/XX/XXXX the account inquiry appears on my personal credit report. I called XXXX XXXX and they said they do not have anything associated with my personal. No personal account etc. I called Equifax the reporting agency they said XXXX XXXX definitely did it, otherwise they wouldn't have reported it. 

I spent 2 hours being transferred from department to department at XXXX XXXX. Finally speaking with the Executive Team ( XXXX ). XXXX said, XXXX XXXX could not assist me, it has nothing to do with them. She referred me to XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting Act Wakefield, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I sent a letter to Wakefield on XX/XX/2023 and and XX/XX/2023 requesting validation, proof of contract, certified copy of the authentic copy of my signature, request a itemized statement of the accounts they are claiming I have with them.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I sent {$300.00} via XXXX to XXXX XX/XX/2022 I sent {$200.00} via XXXX to XXXX The money was sent as a down payment on a puppy. When I went to the address provided to pickup the dog on XX/XX/2022, the person who answered the door knew nothing. I tried to call the persons number and it was disconnected. XXXX profile and email were also deleted. I was scammed, any help is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching relevant information regarding the agency. This is NOT a duplicate report, as they gave a " canned '' answer to the last filing, saying they did not have specific information despite it being provided dozens of times. Trans Union continues to report a " XXXX XXXX '' account despite it clearly being fraudulent.
Product: Bank account or service

I deposited a {$2000.00} check at my local Bank of America branch in XXXX, AZ on XXXX XXXX, 2015. At the time of the counter transaction, the teller assured me that the funds would be available next day XXXX XXXX XXXX ). On XXXX XXXX, the funds were available as promised. I proceeded to use some of the funds that were made available. At some point on XXXX XXXX or XXXX, the deposit was placed on " hold '' by BOA without any notification to me. My inquiry to the BOA " risk department '' resulted in me being told that the deposited check for XXXX had been returned by XXXX Bank. My research into that fact on XXXX XXXX indicated that the check had processed successfully from XXXX Bank to BOA, and that it had never been returned as indicated by the BOA risk department. Seeking an explanation for both the delayed " hold action '' and the deceitful misinformation, I re-visited my local branch in XXXX, AZ. The branch manager, after reciting the numerous regulations and bank policies which authorize BOA to do whatever they want, agreed to contact the " risk management '' department and get an explanation for me regarding the " returned check '' excuse offered earlier. Surprisingly, they admitted that the check had not been returned ( as conveyed to me earlier ), but rather that the " hold was placed due to other risk factors involving the deposited check and my account ''. As a consequence of the " delayed hold '', numerous debits bounced/were reversed and fees incurred. In the final analysis, the hold was confirmed by BOA for XXXX days, and no explanation or apology provided for ( a ) the initial unauthorized assurance of the funds availability, XXXX b ) the " hold '' without notice, or XXXX c XXXX the misinformation conveyed to me regarding the returned deposit that never happened. It seems that BOA employees are not expected to speak the truth when asked a direct simple question. Although the action by BOA has resulted in a modest financial loss to me of only about {$2500.00} XXXX fees, reversed transactions, associated penalties from creditors for reversed transactions XXXX, it certainly exposes the true character of a bank which I have been using for ten years in 4 states.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collector is reporting incorrectly the date of delinquency on my credit report to make the debt appear new again. This account was charged off by the original creditor and is over 6 years old. It is being displayed on my credit report as date opened XX/XX/XXXX2017. I believe they are violating my consumer rights by falsely and inaccurately report this debt.
Product: Credit card or prepaid card

I previously file a complaint and the company refunded PART of my money. 
I need to get back the FULL amount owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, FL Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report every 30 days and i've noticed that there were XXXX unknown inquiries on my credit report XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am resubmitting this complaint # XXXX because the Bank of America Regulatory Complaints Department is not responding to numerous messages i left them. The only response i received was an email stating to call the company at the following number ( XXXX ) XXXX XXXX. I called this number numerous times and left messages to call me back. I have not heard from anyone at this company. Please reopen this complaint as the company is unresponsive. 

Detail of original complaint : In 1995 I deposited proceeds of {$11000.00} from my XXXX XXXX with XXXX XXXXXXXX XXXX in XXXX Connecticut XXXX. I don't remember if the money was placed in an annuity or an IRA account. I moved from the area in XXXX of XXXX. Most of my financial records were lost in a flood and I do not have a record of the account. After some investigation I found that XXXX XXXX became XXXXXXXX XXXX and then Bank of America. The last I checked with XXXX XXXX they told me this account was given to an insurance company. I recently tried calling Bank of America they were unable to find the account by searching by my social security number. I checked with the XXXX  unclaimed funds and there is no record it was escheated to the state. I have a deposit ticket from a different account I held with the bank when it was XXXX ( see attached ). I do not know where this money went.
Product: Debt collection

Sunrise Credit Services, XXXX XXXX  XXXX XXXX, XXXX NY XXXX began calling me the end of XXXX or early XXXX claiming to be collecting a debt for XXXX XXXX XXXX XXXX. I informed them I did not have XXXX XXXX XXXX nor had I ever. 

On XXXX XX/XX/XXXX, after repeated phone calls I contacted my police department and filed a suspicious activity report. Soon after the fraudulent collections appeared on my credit report using an address in XXXX, Texas ( I have never lived in Texas ). 

On XXXX XX/XX/XXXX I called Sunrise Credit Services and explained again that is a fraudulent account. They said they would send a Fraud Report. They never did. 

On XXXX XX/XX/XXXX I mailed them certified return receipt notification downloaded from the Federal Trade Commission. A " XXXX XXXX '' signed for the letter. I never received any response. 

On XXXX XX/XX/XXXX I again mailed them certified return receipt notification downloaded from the Federal Trade Commission. A " XXXX XXXX '' signed for the letter. I never received a response. 

In each of the two mailings I have provided proof of my identity and proof of complaints filed with the police and with the Federal Trade Commission.