23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep getting auto dial phone calls that are designed to go straight to voicemail and can not be picked up from a company called Nationwide Credit. I have spoken to them repeatedly denying any debt as I have never received an invoice, they say I have a debt, but I have never received anything nor have i ever been to the place they say I owe. I have repeatedly stated that Until I see an Invoice I don't owe anything, They say that's not correct and THEY have determined I owe this debt, Now they continue to call after they have been told to stop and they are sending letters to my home address. When I try to contact directly to say they have to stop calling they reply they will keep chasing me for a debt I don't owe, they don't listen and cut me off mid sentence It is continued harassment and they should be held accountable.

I have NEVER received any Invoice nor have I ever been to the place that Nationwide Credit say I owe, I DONT owe this debt that Nationwide Credit keeps Harassing me for.

The last XXXX I spoke to was XXXX, After telling them to stop calling yet again I received two calls to my voicemail while I wrote this complaint. They need to be held accountable for this Harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper investigation according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
That did not happen. 

Also, they violated the law because according to 15 USC 1681A ( 4 ) They did not respect my right to privacy. 

15 USC 1681B ( 2 ) I didnt instruct them to furnish this report or to create this report and I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, first required me to by gap insurance, wheel and tire coverage and extended warranty I order to acquire a lower loan rate. Then in XXXX XXXX XXXX I had XXXX XXXX called and informed them. I was told that I would not be charged a late pay on my credit reports. To which I found to be a lie. Of course the credit bureaus cover and protect the business to no extent. Ive been advised that the XXXX XXXX XXXX XXXX is being ignored and may need further actions on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I received a signed letter from XXXX  XXXX the District Manager of the Bankruptcy Court of XXXX stating that they do not furnish information to the Credit Reporting Agencies. She clearly stated that you can access the information for a fee of {$31.00} on the XXXX  website or you can use the public terminal at the courthouse free of charge. 

On XX/XX/2021, I got results back from CFPB Case # XXXX in which I disputed this same bankruptcy with XXXX who is the vendor to all three major Credit Reporting Agencies XXXX The results were this : Our records show on XX/XX/2021 and XX/XX/2021, XXXX XXXX also contacted the XXXX Consumer Center directly, in which he wanted to dispute the reporting of the same bankruptcy record. 
Re-investigation results : In response to XXXX XXXX complaint filed with your office, XXXX removed bankruptcy record case number XXXX from his XXXX file. A resolution letter along with an updated consumer report has also been mailed to XXXX XXXX for his review on XX/XX/2021 If XXXX XXXX has any questions regarding how and what information is displayed on a credit bureau report, XXXX XXXX will need to contact the credit bureau directly. 

For this dispute, XXXX contacted the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent correspondence to XXXX XXXX XXXX-NCTUE stating that I was a victim of identity theft ( XX/XX/XXXXSigned Copy_Identity Theft Letter to Credit Bureau_NCTUE ) The letter was sent certified mail return receipt with tracking # XXXX, and was in NCTUEs possession as of XX/XX/20 ( USPS tracking Results ). 
The letter explained to NCTUE that I am a victim of identity theft, and that the accounts listed in my consumer report should be blocked pursuant to section 605B of FCRA. 
This letter also contained the following enclosures : Research Request Form, A copy of my Identity Theft Report, Identity Theft Affidavit, Victim Authorization to Law Enforcement, Proof of my identity, Police Reports NCTUES, stated, in an email, dated XX/XX/20, Thank you for submitting your dispute to the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has started processing your dispute request for your telecom and utilities exchange data report for the referenced Confirmation Number. 
This matter is NOT a dispute under the provisions of FCRA 611, and is a block under the provisions of FCRA 605B As required by FCRA 605B ( 15 U.S.C. 1681c-2 ) NCTUE is required to block the reporting of any information in my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Despite the FCRA 's requirement, NCTUE has failed to block the reporting of fraudulent information and is relying instead on the same verification procedures it uses for common disputes.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/2020 I initiated an International Wire Transfer to XXXX with Capital One for {$11000.00}. Money was immediately taken from my account along with {$40.00} fee. 
As of today the money has not reached my account in XXXX. 
I have made numerous calls and trips to Capital One and numerous emails and calls to the receiving bank in XXXX. 
Finally I requested to have the wire recalled on XX/XX/2020. 
The receiving Bank in XXXX confirmed that the wire was missing information and therefore could not be processed and that the money was eventually returned to US. 
As of today, XX/XX/20 I have not received my money back. 
It was sent from my account in US to account in my name in XXXX. 
It is very frustrating to have {$11000.00} of my hard earned and saved money gone missing. 
I will look forward to hearing from you. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... RADIUSGLOBAL ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

After obtaining a copy of my Equifax credit report, I noticed a collection account reporting on my account by XXXX XXXX XXXX XXXX for a debt for {$270.00}. On XXXX/XXXX/16, I attempted to contact the above agency to validate this debt through a letter sent certified mail, and as of today, I have not received any response regarding this debt. I have attached the letter and proof of receipt of my letters along with this complaint. The problem is I disputed this debt online with Equifax, and Equifax reported the debt as valid. How is the debt validated through Equifax, when the collection agency did not respond to my attempt to communicate with them regarding this debt?
Product: Debt collection

Your options do not include the reason for this complaint. Calvary Portfolio is collecting a debt that is outside of the federal obsolescence time frame provided in the Fair Credit Reporting Act. The original creditor was XXXX. My last payment to them was in XX/XX/XXXX. Calvary has incorrectly listed that payment date as XX/XX/XXXX to keep this on the credit bureau longer than the law allows.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

i sent several letters to this company. XXXXXXXX XXXX XXXX XXXX has Charged Off this account, Therefore this account is considered a certificate of indebtedness. Certificate of Indebtedness is considered INCOME and can not be reported to a credit report. There- shall be removed immediately. To prove my identity, I have included copies of my passport and driver 's license. I've included a copy of the credit report with the same account for which Im requesting information and erroneous information correction. The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Product: Mortgage

I have been trying to get Wells Fargo for about 6 years to fix a credit bad report mark on my credit report from XXXX. They have continually used stall tactics and discounted the information that has been provided to them that proves that MY PAYMENT was made ON TIME actually EARY and in GOOD FAITH from XXXX/XXXX/XXXX. They have never given me a reason why they returned the payment to my bank account without MY Knowledge. However in Early XXXX an employee of theirs XXXX XXXX who no longer is employed there told me by phone that she had traced the payment to ESCROW but at that time could not tell me where it went from there. It was not until much later and on research of my statements that the returned payment was found in my bank account. Again without my knowledge. I would have immediately returned the " Payment directly back to Wells at that time but Wells would not remove all the penalties interest and fees that had accumulated and the payment would have been taken first to provide for the fee coverage 's NOT applied to my Mortgage. I did finally however repay the missing payment along with " some of the fees in XXXX XXXX in order to have my credit to show current on my mortgage at that specific time as I was instructed to do. They have continually refused to clear the bad remark on my credit and clear past late fees and penalties from my mortgage account. This has caused me great financial harm. 
I have continued trying in many ways to get this issue resolved so that 1. my credit can be completely 100 % restored 2. That I be made whole since none of this was of my doing including all penalties and fees cleared. 
3. my payment had been made on time ( actually days ahead of the due date ) and in good faith. 
4. my refinance can occur to a lower interest rate including some equity disbursement which has been my ultimate goal. 

I first filed a complaint with CFPB in XXXX all complaints listed on my account are concerning this Wells Fargo Issue. XXXX has provided everything they can from their end that shows this payment INFACT was made in a Electronic Batch Transaction straight from XXXX to Wells Fargo on XXXX/XXXX/XXXX. I have sent Wells Fargo everything from XXXX however I received a call two days ago stating that Wells Fargo will not accept the information provided BY XXXX. Please Help Me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/18 an inquiry was made on TransUnion by a firm called XXXX XXXX and on XX/XX/18 on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted TransUnion I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative XXXX XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX XXXX, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.
Product: Mortgage

Hi this is XXXX XXXX XXXX started to look to refinance our house back in XXXX and found loan Depot online our current mortgage is through XXXX come the end of XXXX we were finally ready to start signing papers and finalizing this new current mortgage with loan Depot my loan officer XXXX told me not to make my XXXX payment with XXXX because things will be finalized in XXXX on XXXX XXXX we signed all the documents with a notarizer and the mortgage was supposed to send me my cash to close on XXXX XXXX I guess they said they were waiting on a credit card that I paid off to come through and did n't tell me so that took us into XXXX and now I have a late payment on XXXX Mortgage because they did n't pay it in time and now they will not help me because FHA will not allow a late payment I never missed a payment all year the only reason I missed this XXXX is because I was told not to pay it is there anyway I can continue with getting this loan or another XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted complaint to Transunion LLC. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). 

Due to request being > 1 month old, legal process to remove the information has begun. 

Third parties involved : XXXX XXXX XXXX XXXX XXXX. 
XXXX Contractor in XXXX ( XXXX ) XXXX
Product: Student loan

*We spent all we had on tuition {$25000.00} and I took out a Student Loan of {$16000.00}. 

*After 3 years of training, the Dean of Students suspended me going into my final year. No institution, no school no one can collect tens of thousands of dollars over 3 yearsand refuse to deliver and keep all the money. It goes against Student Rights and what the law refers to as The Right to Graduate.

*The Dean of Students tried to cover this up with falsified documents and withholding information. 

*The reasons the Dean gave in the Suspension Letter were not even true. 

*Then the school did the impossible and stopped doing what schools do. The school ignored my grades and GPA, ignored my internship and training, ignored my classes and all my school work, tests and papers. How can a school ignore my education? 

*The school not only refused to give me credit for my work, it also refused to do its own work. After collecting tuition, it stopped doing the very work I was paying the school it to do. The seminary ignored its own classes, ignored its professors work in giving me a grade, and then refused to record my grades or give me credit for the classes I completed. 

The Michigan Department of Education did nothing. They supposedly held an investigation and yet in six months, the only thing they asked to see was our canceled checks, to which we showed them over {$25000.00} worth drawn from our checking account all gone.. The Department of Education here in Michigan never asked to see a single document. They claimed they couldnt do anything because the school was a seminary. It is ludicrous to make this a church & state issue when its a fraud issue. {$25000.00} was our entire savings. No school, no seminary no one can charge this kind of money and then simply refuse to do the work. 

We have no money and I have no career to pay it back with and my name and credit are worthless.
Product: Debt collection

My previous landlord is trying to collect unfair and unsubstantiated charges. Hunter Warfield then left a negative mark on my credit without first contacting me and providing me a notice to dispute the invalid charge. I believe Hunter Warfield violates my rights under the Fair Credit Reporting Act.
Product: Mortgage

HSBC Mortgage Services Inc . I am trying to pay off this loan and in the end they are doing everything they can to keep getting interest. There is no way other than calling to make a principle only payment, and any payment you make just keep pushing your next payment date out. i call to get it reversed every time and have to have a 30 min phone call to get it fixed. they next time i call to make a principle payment, i clearly state what i want, she even tells me what i am calling about. in the end she puts in wrong so i have to now call back and get it applied to the principle. if i do my monthly payment on line and i make it for more than the amount do, any extra is put into an unapplied funds account that they just get to hold on to for a month and not apply it to my account again gaining interest and they get to use my money for a month for free. I have called them to make sure all funds get moved to principle payment, and they said they put a note in the account but can not guarantee that it will be applied every time. there web site is lacking the basic functions that any lender should have on there web site. will not use HSBS for any other banking needs for the rest my years left on this earth.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The following companies have violated my US rights and privileges/USC Title 42 and have created an illegal debt against my financial good standing. They denied me the opportunity to receive the financial extensions my US credit account qualified for and charged credits from my US credit account with no benefit to me. The spending limit of XXXX credits has been reduced to XXXX due to the excessive abuse and misuse of my credit information. They have charged my US credit account month after month by criminally abusing a financial validation feature, hard-inquiring ( which are only for finance account creation/not for credit checking ) for the same financial extension, yet when I called these companies, they relayed to me that I didn't even have an account opened with them. This is criminal to charge me for a loan, turn me away with no gain, misuse my information, and charge me off record for financial extensions and services I have no account for. 

I demand that the following companies are charged with malpractice for this criminal abuse of my personal information and return my credits to the balance of XXXX credits. They can either compensate these losses by financing the accounts in the amounts that are associated with the debts on my US credit account then close the account with a " paid '' account closure or by providing a written statement or notary letter to the CFPB stating that my US credit account has been credited in the amount associated with the debts of my credits and that my account is either " paid '' or in " good standing '' : XXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX ( ongoing ) Capital One Auto Finance XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX ongoing )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account Target and XXXX XXXX have violented my rights. 

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I have fraudulent inquires on my credit file that Equifax refuses to remove, I have supplied an FTC affidavit, my drivers license and proof of. address and they keep denying the request to remove the inquires. The following fraudulent inquires need to be removed off my credit file. XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX. See attached FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  showing unknown payment history hurting my score FCRA viiolations
Product: Debt collection

I do not have an agreement with any company and do not own this account. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. This company has No permission to report anything using my information to pursuant 15 USC 1681 4. I am asking for this to be deleted from my credit report. 

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

Unauthorized inquiries on my credit report for can finance that I did not requested. I have called and mail in certified letters and still no response.