23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was added to my credit reports and I contacted them to resolve and they will not remove it. It was sold to a collection agency who will not stop trying to contact me after I asked them not to anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed with the companies Equifax and XXXX. I reported Identity theft on the accounts that are reporting, per Section 605B in the FCRA I submitted supporting documentation such as a driver license, social, and the FTC report with the report number, XXXX removed the information within 24 hours from showing on my report, and Equifax and XXXX refuse to remove the information, and submitted it as a regular dispute, when I stated that it is a identity theft issue, and pursuant to section 605B they must remove this information within 4 business days upon receiving the identitification, and the FTC report. They refuse to follow that rule, they stated they do not follow federal law and regulations, and the follow their own companies regulations, in which regular disputes take 30 days. Its been well over 30 days, they removed the information from reporting, and then it appeared again on my report. Please handle this in a manner that EQUIFAX AND XXXX  understand that they MUST follow FEDERAL regulations and not their own. Because it was very hard for me to make them understand that above their companys regulations, they must follow FEDERAL laws first. Please help me in reporting equifax and XXXX  to relook through their companies regulations, and follow federal regulations so people like me who suffer from identity theft, do not have to worry about incorrect information reporting on their credit file.
Product: Vehicle loan or lease

They tell me XXXX is the only one I can speak with but she refused to accept my calls. Or return them. Customer service representatives are purposely putting me on hold never coming back to the line. They are attempting every effort they can to prevent me from resolving this matter.
Product: Mortgage

The company I'm having trouble with is Fay Servicing. You had a case against them a few years ago dealing with unfair foreclosure practices. I've been in chapter XXXX bankruptcy, and Fay bought my mortgage around a year ago. My bankruptcy was finished XX/XX/XXXX and when I tried to contact Fay Servicing and they say they can't speak with me per my bankruptcy attorneys orders. My attorneys have faxed all the necessary paperwork and called and mailed, but Fay refuses to speak to me or return phone calls or even take payment from me. I've called 3 times a day since the Monday before XXXX and left messages trying to get a return call so I can make payment and I get no communication back. If I call and speak to someone who just answers phones, they say they can't speak to me and immediately transfer me to the bankrupcy dept, which is who I call 3 times a day and leave messages. No one will listen and just take my payment. One month out from my bankruptcy discharge and my payments is 5 days late so far and I'm worried it'll mess up my credit and home I've work so hard to get back on track with. 

Fay Servicing located in XXXX. XXXX XXXX XXXX. 

Bankrupcy Dept XXXX
Product: Mortgage

I received a notification from Wells Fargo stating my account has had lender place insurance on it. The letter was encouraging me to refinance with them to have it removed. I was never aware I had this on my account because I have always carried enough insurance to cover everything. I called them and the person told me I can only have it removed if I refinanced and that I signed an acknowledgment stating it can be placed on my account if I failed to cover enough and/or provide them proof whenever requested. I have never received one phone call, email, or letter in the mail from Wells Fargo requesting proof of my insurance coverage and I do have enough coverage. I also checked my online banking and their has been no alerts or messages to me. I dove a little deeper and saw they did charge my mortgage over a 900 dollar fee for this. I called and was told no fees will be returned and the lender placed insurance will not be removed. 
I feel like this is an UDAAP violation. I should be given the opportunity to provide evidence of my insurance coverage. Wells Fargo has made no documented attempts to contact me about needing to verify my insurance. The crazy thing is just last year I did an assumption to remove my ex husband from the mortgage and even provided evidence during that process. I find it a bit odd that the only attempt to contact me about the force placed insurance is by an opportunity to refinance my mortgage. This makes me feel like Wells Fargo is trying to gain more in fees and also doesn't like my really low interest rate. The associate was also trying to spin it like it is a good tax write off ... ..I feel like they had some scripts ready for this type of call Please help in removing this insurance and crediting me back all fees I acquired by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery DID NOT DISCLOSE THE DATE OF THE LAST ACTIVITY ON THIS ACCOUNT as requested in previous complaint closed by Portfolio Recovery. The Company DID NOT AND HAVE NOT provided the DATE OF LAST ACTIVITY TO XXXX, XXXX   OR XXXX credit agency. In Portfolio Recovery response to previous complaint, they only stated this XXXX adverse account was opened in XXXX and was purchased by Portfolio Recovery in XXXX. The Statue of Limitations legally allows that this adverse account be removed from my credit reports 3 years from the DATE OF LAST ACTIVITY SINCE THE INITIAL CREDITOR IS INCORPORATED IN THE STATE OF DELAWARE. The attached bill statement provided by Portfolio Recovery in previous complaint does not include the information requested, which is the DATE OF THE LAST ACTIVITY. The bill statement does not reflect any activity of the account holder. I formally request this account be removed from my credit report.
Product: Money transfers

On XXXX/XXXX/16, I sent {$760.00} via MoneyGram. The receiver rejected the funds and they were returned to MoneyGram. As of today, MoneyGram has failed to return the funds to me and everytime I contact them I receive a different story. I have asked to speak with someone in charge that can make decisions and I am told there is no one to speak with. MoneyGram has been holding onto money that is rightfully mine for over 10 days. The money needs to be returned along with the fee I was charged for sending it. This issue has taken me away from my job for 2 days trying to get it resolved.
Product: Credit reporting

Navy Federal Credit Union made a mistake on my new credit card. They mistakenly charged a finance fee on my new credit card account which put me over the credit limit by a few dollars. They did not inform me of the fee while the transfer was being made on the phone, the fee of a few dollars could have been taken from my other account to prevent this problem from Due to poor customer service, lack of training on the agents part, and complete lack of effort on their part, I ended up with no option except to file a complaint to resolve this issue when the bank could have done it themselves. Because of these reasons, an overage on the credit card was reported to the credit bureau. 

After multiple conversations with the bank they admitted to the mistake but said that it was passed their time limit and refused to make the reversal. I want this bad mark removed from my credit reports.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$1300.00} account # XXXX 30 days late in XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several attempts to get the credit bureau to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made 3 additional attempts in writing and by phone. They have also denied me my right by law to have all inquiries removed from my credit report that were not made with my knowledge of what was happening. Many companies use unfair and illegal tactics to have access to my credit as I explained to this credit bureau and they did not respond. I plan to send one last letter in an attempt to correct this issue in conjunction with this letter. 

I want to be clear that 15UFC6802 states that 15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

15CFR313 16CFR433.2 16CFR433.3 I have become homeless and not able to obtain a new home for me and my children as a result of credit bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the credit bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.
Product: Credit reporting or other personal consumer reports

I have mailed this to XXXX XXXX XXXX and now I am telling CFPB. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX ( here in called XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Equifax, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

here are unauthorized inquiries that i didn't do i went over my credit report and check if any of this has been link to any of my account but i don't see them and i do not recall doing this inquiries.
Product: Credit reporting or other personal consumer reports

Dear Experian, I hope this message finds you well. I am reaching out to request specific information regarding one of the accounts listed on my credit report. At this time, I am not disputing the account but would like clarification on certain details to ensure the information is fully accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that you provide the following details for this account : 1. The Date of First Delinquency 2. The Date of Last Payment 3. The Date of Charge-Off Having access to this information is essential for my personal record-keeping and financial planning. I appreciate your help in providing these details as soon as possible. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

To whom this may concern, I recently opened up a bank account with PNC and deposited very large check, that was successfully deposited. In the middle of me trying to withdraw the funds to use, PNC bank froze the accounts and all my money because I feel they do not want me to remove my cash and funds from their institution. Their reasoning is that the security and investigations department thinks there is fraud going on. But clearly there is not because I am the only person who knows about the account And the only person who has access to the account. Ive tried calling PNC Bank several times over the last 2 1/2 weeks and I have not gotten a clear answer on when my funds will be available. I need these funds because they are my source for paying for my mortgage and all of my bills so that my family and I can stay in my home that I have worked so hard to build and make. The answer I get from PNC Bank is that there is no clear timeframe when my funds will be released in accessible.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX XXXX, I received an email saying " Hooray, your order is confirmed! '' saying I bought {$470.00} worth of bitcoin through XXXX XXXX which I had not. Then it said " Issue with this transaction? '' call the resolution center at XXXX XXXX XXXX. I did and they offered to put {$500.00} in my checking account ( which they already had access to, unknown to me ) so I agreed out of fear because that account had a lot of money in it due to a recent property sale.They put a screen on my computer called XXXX XXXX and told me to enter {$500.00}. When I did it changed to {$50000.00} and the decimal point disappeared.They acted very upset and said I needed to return the money, directed me how so I did believing I had someone else 's money.What followed was an offer to give me {$2000.00} for my trouble and send a wire transfer to XXXX for {$48000.00}. I was given all the name & banking information to do the transfer so I went to my bank, Wells Fargo, to obtain the wire transfer. My main issue is their knowledge of the bank account number without me telling them ; they said I opened a XXXX account with it XXXX, which I did not. I have filed a local police report, filed a wire transfer claim with Wells Fargo and was told it's too late, I notified XXXX as their logo was at the top of the email & I obtained legal advice.
Product: Money transfer, virtual currency, or money service

Please see the one of many emails that I sent to the company below. 

Good morning XXXX, Thank you for your response. I had someone send me money using my phone number, however I didn't realize my phone number wasn't attached to my account so I proceeded to follow the instructions in the text message I received advising the funds were sent. I received a message saying the funds were collected but the money wasn't showing in my account. I followed the instructions under support for collecting the money using my phone number but that was prompting me to create a new account, so I backed out of the process. However, the sender received a message saying the funds were collected although they aren't showing in my account. I tried to add my phone number to my account but it isn't allowing me to do so, it's saying that the number is attached to another account ( I didn't complete the process of starting the account using my phone number ). I have included screenshots below. At this time, I still do not have the money in the account. Are you able to assist me with either getting the money added to my account or sending it back to the original sender ... XXXX? Thank you for your help. 

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

It appears that/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$410.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Debt collection

Apparently, someone opened an account with XXXX in my name. I did not, and neither XXXX nor the collection agency will show me any verification of the debt. When XXXX sent a bill, I disputed it, noting I have never ordered anything from XXXX in my life, and I have never sought credit. Further, I do not have nor have I ever owned a vacuum of the type allegedly owned. XXXX stated that it noted the fraud report, and never followed up. It then turned the account over to a collection group, to whom I again reported the fraud. I asked for documentation of the order and debt, and they refuse to provide it, placing the onus on me to disprove a debt by providing personally identifying information, even though they can provide no proof I opened the account. Their repeated contacts with no effort to investigate the debt, constitutes harassment. They expect me to file a police report, but fail to provide the date of order or other information that would result in the police report. 

The actions of Resurgent Capital Services are improper, and they fail to take basic steps to verify that I owe the money they claim. The first call was on XX/XX/XXXX, and they have yet to provide me any factual information about the claim, other than the debt.
Product: Credit card

A Paypal credit account was opened in my name and charged {$220.00}. When I informed Paypal, they asked me to send an affidavit. After sending the affidavit, they rejected my claim- and I am still being held liable. I called, and they rejected my claim again. I did not open this account, and I should not be held liable for their poor fraud prevention systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested that incorrect late mortgage payments reported by Experian be investigated and corrected. Also sent request to mortgage company. Experian investigation did not correct error. I subsequently requested, received and submitted proof from mortgage company 's online records and from mortgage officer directly to Experian. They still did not correct records. This error has caused at least 2 financial ventures to fail. The credit reporting agency is Experian and the mortgage company is XXXX XXXX XXXX. I have just been notified by Experian that the investigation is complete. The Experian report # is XXXX.
Product: Credit reporting or other personal consumer reports

DISCOVER BANK failed to comply with our agreement when they extended and then revoked this credit line to myself violating 15 U.S. Code 1681n which clearly says that any person who willfully fails to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) any actual damages sustained by the consumer as a result of the failure damages of not less than {$100.00} and not more that {$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. 


As well as pursuant to 15 U.S. Code 1681o - civil liability for negligent noncompliance. 
Which states in section ( a ) any person who is negligent in failure to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in amount equal to the amount of ( 1 ) any actual damages sustained by the consumer as a result of the failure.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of certain accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a result of this breach, the following accounts and inquiries were affected, and I am requesting that they be blocked and permanently deleted from my credit file. 
Accounts to be blocked and deleted : XXXXXXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8400.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$770.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$320.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$370.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$4800.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8600.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX  C XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I lost my job due to the COVID-19 pandemic. XXXX XXXX XXXX and California public health officials have issued shut down orders to prevent the spread of COVID-19. We are 5 people in our family me my wife and our 3 kids. we have no money and our mortgage company is not giving a forbearance option, my business is still shut down, and have not got the approval yet from the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX to reopen our business, Our XX/XX/2021 mortgage statement shown we had positive {$1100.00} positive escrow balance and I requested from lender to release it back to us that way we can buy some food and kids school clothing but I don't know what they did with the money, we are getting $ XXXX  monthly food stamp for 5 people which barely get us by, I try to get a job but no luck and also no luck for reopening our family business. also, they add a late fee every month on our mortgage even though we were on the forbearance with them
Product: Debt collection

Upon reviewing my credit report, I've noticed discrepancies and fraudulent activities associated with the following accounts. I am displeased with this discovery and insist on the prompt removal of these fraudulent accounts.