23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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

I wrote a complaint on XXXX/XXXX/2015 regarding the collection practices of Delaware Solutions LLC. Today, XX/XX/XXXX, XXXX XXXX from Delaware Solutions called me again and stated that I 'm being served papers today if I do not pay a past due amount on a payday loan taken out XX/XX/XXXX. I told XXXX that I know my rights under the FDCPA and that I 'm requesting debt validation in writing and I have the right to dispute the validity of the debt. XXXX stated that they have already proven that it is my debt just because they have my social security number and email address. I informed him that I have sent a cease and desist letter and he stated he will continue to call me everyday to get a payment regardless of the letter. He then called me a XXXX who sounded like an XXXX and did n't know the laws. He continued to call me stupid as a recited my rights as a consumer. He then told me that I was going to be arrested and will serve time in jail for the unpaid debt. I informed him that he was breaking the law by using abusive language and by threatening jail time and he stated he was not. I hung up the phone, he immediately called back yelling at me that I was going to jail.
Product: Debt collection

This is a debt that I have previously disputed with another company and showed proof of payment by the insurance company. Now there is a new company attempting to collect the same debt and has not removed from my credit, impacting my score once again.
Product: Mortgage

They ignore all request ,They ignore Federal Judge XXXX XXXX ,They ignore their attorney  XXXX XXXX  XXXX XXXX XXXX XXXX They ignore my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested an Amortization schedule  or a payment schedule so that I might know how much has gone to interest and how much has gone to the principle And what is my remaining balance  Planet home lending has never in 8 years even given any form of payment  Making it totally impossible to refinance  Their attorney XXXX XXXX  has approached Planet home lending LLC  requesting the amortization schedule  ,And has further noted they do not know how to make up that statement
Product: Credit reporting or other personal consumer reports

There is a U.S. Bankruptcy Court item on my Transunion credit report. Per the FCRA 623 ( A ) ( 5 ). If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts have mailed me a letter which emphatically stated that they do not provide any information to credit reporting agencies nor do they ever validate and/or confirm public records. It is the credit reporting agencies and/or other third party providers who collect information regarding public cases from public records. Public records information is Never validated by U.S. Court System due to the Fair Credit Reporting Agency Privacy law. My inquiry to the U.S. Bankruptcy Courts confirmed Transunion has Never validated or verified the public record entity on my credit report neither will they ever be by them. They further stated while they are not liable responsible for any misuse or incorrect public records nor the distribution of said information public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly considering the information indicating a fair credit reporting violation. I need all bankruptcy information currently showing under my social security number to be Permanently Deleted from my credit report immediately. The Transunion Credit Agency needs to provide me with copies of all documentation associated with this public record account bearing either a court order to place this information on my credit report or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the federal law you have exactly 30 days to complete this investigation as outlined per the fair credit reporting act 623 ( A ) ( 3 ). Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your reporting services could fax, email, or mail fraudulent and erroneous account information. As such if this unauthorized public record information is not deleted from my credit report with 30 days I will be filing a complaint with the federal trade commission. Failure to respond in a satisfactory manner within 30 days of receipt of this letter will be interrupted as defamination, negligent, enchantment of identity fraud violation of the FCRA. 15 USC 1681b, 15 USC 1681q, 18 USC 1028A, 15 USC 1681c-2
Product: Money transfers

On saturday XXXX/XXXX/15 I recieved a phone call from ( XXXX ) XXXX claiming they were with XXXX and that I had been approved for a loan. They told me I needed to send XXXX $ cash through Moneygram and they would deposit my loan into my account. I was told the loan was for XXXX dollars and i would pay XXXX a month back.. I went to cvs in XXXX ohio and sent the money to a person named XXXX. After i sent the money i was told i was being placed on the line with XXXX of their account specialists. I recieved a call from another Texas number and they said i needed to send XXXX more dollars for the wire transfer insurance. I was and am still under financial pressure and these people scammed me out of my last penny. i called moneygram and they basically told me that the money had been picked up and there was nothimg they could do. Please help my father and I. Things are hard enough without this.
Product: Mortgage

My wife and I are both XXXX years old. Since beginning to investigate our reverse mortgage options XX/XX/XXXX I have never gotten a return call from the Wells Fargo Reverse Mortgage representative I had either spoken to or left a voice mail with. 

Further, I have never been able to get an email in order to communicate with the same person and have always gotten a slightly different 'story ' on almost every question asked from each Wells Fargo Reverse Mortgage representative I have ever actually spoken with. Every call to an extension given has always gone to voice mail complete with a 'promise ' to get back to me within 24 to 48 hours. 

On XX/XX/XXXX we sent a certified letter, return receipt requested ( see copy embedded below ) to Wells Fargo Reverse Mortgage to initiate a Deed In Lieu of Foreclosure on Reverse Mortgage Loan Number : XXXX. 

I did n't get a return receipt but by multiple phone calls was 'told ' that they did get the letter. For the last 2 months I have tried to find out and get in writing : Are my responsibilities for the property ended when the letter is sent and the requirements listed in the letter sent have been verified by the Wells Fargo Reverse Mortgage appraiser or inspector? If not : 1. How long will the 'Deed In Lieu of Foreclosure ' take to be completed? 
2. How soon will their inspector look at the home and winterize it? 
3. In the meantime who pays to keep the heat on so pipes wo n't freeze? 
4. Who keeps up on the taxes for the property? 
5. Who is responsible for insurance in case of fire or other disaster? 
6. Am I responsible for any maintenance required after we left it in good order? 

Some of the most recent communication I have had : 1. Letter, XXXX XXXX, XX/XX/XXXX " He would be my representative and help me. '' I have never been able to reach him and started calling and left XX/XX/XXXX and left 3rd message on XX/XX/XXXX. 

2. Letter forwarded from old address in NY dated XXXX XXXX from XXXX XXXX XXXX EXT. XXXX. She is my new specialist and when calling her all I get are recordings and no call backs. 

3. Others I have heard from or spoken with recently include XXXX XXXX, called XX/XX/XXXX, XXXX??? XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX??? XX/XX/XXXX and XX/XX/XXXX at XXXX with XXXX XXXX who blamed me. 

Prior to this chain of events for a deed in lieu we attempted a 'short sale. ' XX/XX/XXXX it took 8 phone calls and 2 weeks passed before I was told that the 'short sale ' letter fax I sent and had a 'delivery receipt ' for was not received and would have to be sent again. That letter required a Wells Fargo appraisal in order to start a 'short sale. ' which we could n't begin until we had the appraisal results. 

We finally got the appraisal results on XX/XX/XXXX almost 90 days after our 1st faxed and 'delivery receipt ' came back from Wells Fargo XXXX For this and many other reasons I do n't trust anything I hear from Wells Fargo Reverse Mortgage. I believe they do everything possible to delay and confuse their customer knowing that each day of delay saves Wells Fargo some money. I hope you will be able to get my questions answered by Wells Fargo in writing.
Product: Debt collection

Hospital visit, assuming my insurance was billed incorrectly. Paid copay at time of visit and have been to XXXX  since then and not received this big of a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Debt collection

Since XX/XX/2021 I have called many times to try to explain to both parties that I have never had XXXX XXXX. However on my XXXX XXXX, they are showing that I owe an unexplained amount of {$110.00}. Every time I call I get a different response. I am asking to have someone look into this as I am sure it has been happening to other people as well. I have never inquired or received any services from XXXX. I do not want or have cable, wifi, or have any phone services with them currently or in the past. " Focus receivables management '' is their debt collection company and the original creditor name appears " XXXX ''.
Product: Credit reporting or other personal consumer reports

Experian violates my rights as a consumer and federal law and is hindering from getting funding for new home and car
Product: Credit card or prepaid card

Last XXXX I got a call from Macys they started charging me XXXX dollars for a items I never bought I tell them this is a fraud I never bought anything they started to investigate the dispute they took to XXXX i as going and back with phone calls or letter they doesnt accept my dispute finally I payed because this causes more stress I tell them I dont want to hold any credit cards with them they said theyre going to closed but I dont go to be allow to open any other credit card with them in the future I accepted the condition. I was going in recovery from a big XXXX. XXXX XX/XX/2022 I got a report in my bank account i was behind in some bill. I check out in the report the problem coming from Macys again I call them I tried to explain to the car I dont have any credit ca d with them and they insisted. Have one and I did a purchase for XXXX dollars supposed I did the purchase XX/XX/XXXX in XXXX XXXX XXXX. I never bought anything this person tell me Im going n dispute I ask for closed the supposed credit card have it they tell me they closed I ask to send an email with the approval of this credit card is closed they did do it. Call back after 5 hours talked again with car she tell me the last person doesnt sent it any thing because they didnt closed the credit card the second CSR she did closed the credit card send this charge to dispute but Im worry because is the third time Im having problems with Macys and this company open credit cards to my name I never got it and never used. Please I need help with this company is terrible theyre trying to charge me for some stuff I never bought. 
Thanks you for your help
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Over XXXX weeks ago I got word from my escrow/title XXXX that I am using for a HELOC that there was a second deed of trust recording on my loan thru Caliber Home Loans. It is wrong and I only have XXXX. From that day on I have called, emailed, faxed and wrote letters as well as tried to go to a local Caliber Home Loans office that does not exist. All to get help to remove the duplicate recording asap so that my HELOC will be funded asap. The lady I am buying a house from in TN is so stressed not to mention my family here in WA!!!! It is insane to me that this company can make a mistake and cant even call me? This is THEIR mistake!!! 
On attached Schedule B- part XXXX # XXXX is XXXX NOT XXXX XXXX!!! 
# XXXX is a duplicate and is a mistake that needs to be fixed today.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple fraudulent accounts and inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent accounts and inquiries and for assistance to remove these fraudulent accounts and inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since 1933.My birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from Turtle Island and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Product: Debt collection

I spoke with Employee ID # XXXX regarding a public service student loan forgiveness certification received dated XX/XX/XXXX with an estimated discharge dates ( XX/XX/XXXX - XX/XX/XXXX). I informed the employee that my correspondence dated XX/XX/XXXX states estimated student loan forgiveness ( XX/XX/XXXX - XX/XX/XXXX). Upon further investigation I learned that 12 payments were not credited towards student loan forgiveness due to an administrative error were overpayments reduced the statement due balance sent the following months. When paying the statement balances, these payments were not credited toward student loan forgiveness even though I paid the amount of the monthly statement as required ( see student loan payments highlighted in Red for details ). These administrative errors and miscommunication presents an economic hardship and it 's not fair to the consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Debt Notification and Request for Verification To Whom It May Concern, I am writing to formally dispute a debt that I have recently been made aware of. According to my records, I have not been notified of this debt previously, nor have I had the opportunity to dispute it. I am requesting that you investigate this matter thoroughly as it appears that my consumer rights have been violated. 
Specifically, I am invoking the following regulations and laws that pertain to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the required information regarding this debt, which should include my right to dispute the debt within 30 days. I request evidence that this information was provided to me in compliance with this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification of the debt, nor was I informed about my rights to dispute it. The lack of proper notification violates this specific provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency 's actions appear to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, and I believe my consumer rights have been infringed upon.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : The reporting of this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a direct violation of this statute. This law mandates that creditors provide accurate and fair information to consumer reporting agencies, which has not been adhered to in this case.

I also request that you provide me with the certified mail receipt that includes my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified.

I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the time frame mandated by law and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I purchased two services from a company during a XXXX XXXX  sale because of the sale the business recieved a lot of purchases which in return square put a freeze on the company 's account. The company sent me an email stating that they would not be performing any services until they recieved their money and to dispute the transaction with our bank which I did and also included the email my instuite said they found no billing error.
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT THAT I DID NOT AUTHORIZE. I HAVE NOT APPLIED FOR ANY CREDIT THIS YEAR. SEE LIST BELOW : XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

An unauthorized transaction appeared on my account and sat as a pending charge for several days. 
The company XXXX XXXX XXXX XXXX is not a company I have ever done business with, ordered from or authorized any transaction with. 
XXXX XXXX XXXX XXXX also made 2 additional attempts to charge more to my account without my authorization- but was declined due to insufficient funds. 
Found bank have refused to escalate this, and refused to reimburse me - for reasons I am not sure of. 
I did not authorize this charge, and thinking my card may have been compromised, I immediately cancelled it and ordered a new one, which has still not been received. 
I have never had a company more unwilling to really take a look at what I was saying in my email enquiries to them. 
Every other bank accepts that fraudulent charges occur, and there is typically no issue with the funds being reimbursed to the account holder. This is the first time I have ever experienced this kind of lack of accountability from a bank. 
The transactions in question are attached to this message below. 
Given their policy - I doubt I will continue with them as a customer unless their policy changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXXXXXX XXXX XXXX XXXX XXXX PLEASE DELETE ASAP