23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2016 I entered into a consumer credit transaction with XXXX XXXX  extending them my credit through my credit card. This consumer credit transaction was paid for with a finance charge and is the SUM of all charges and does not include a cash payment under the provisions of 15 USC 1605 ( a ). Also I put down a cash payment of {$11000.00} in a credit transaction in which is against my federally protected consumer rights. XXXX XXXX  and PennyMac also violated 15 USC 1611. They willfully and knowingly failed to disclose information required under the provisions of 15 USC 1601. My information was illegally sold to a third party which is PennMac Mortgage. I never gave consent to PennyMac to contact me or have my information. PennyMac has failed to show original documentation because they were not there for this consumer credit transaction as they clearly disclose. A transfer of sale PennyMac says it common in real estate but common is not governed by federal law. In fact it goes against my consumer rights. I do not have a contract with PennyMac Mortgage, they were not present for the transaction and I do not owe this alleged debt. PennyMac only provides statements in which is hearsay. PennyMac continues to violate my federally protected consumer rights. I sent PennyMac a CEASE and DESIST and they have violated my federally protected rights under 15 USC 1692c ( c ). PennyMac threatened to Sheriff Sale my home which is illegal under 15 USC 1692 ( i ). They can not take legal action when its already paid for and no debt is owed. A contract requires the meeting of two or more natural minds, consent, consideration, and an offer has to be done. That was not done with PennyMac. PennyMac continues to use abusive tactics, and language to oppress myself the consumer. PennyMac has continued to destroy my financial reputation by reporting non public information that they received illegally and without my permission which is identity theft. I was not given the option to opt out of reporting under the Graham Leich Bailey Act 15 USC 6802. PennyMac can not deny my affidavit of truth, it must be answered by federal law. Its a statement of facts because I the consumer was the only one present for this consumer credit transaction. I am the original creditor for this transaction.
Product: Credit reporting or other personal consumer reports

The past week or so ( starting around XX/XX/XXXX ) I have been trying to access my Experian account to temporarily unfreeze my credit. My saved information is wrong apparently, so I chose " forgot my username '' to which I gave my phone number and social security number. It said it would send a text to that number. I never received the text. Tried to get password back which required date of birth and social security number. When I type the information in, it says no account matches this information. I call the customer service line and when asked my personal information, they confirm I have an account, but that it is no longer active. I have been on the phone for maybe a total of XXXX hours at this point. They always send me to membership which is an automated line that will drop a person after providing a link to upgrade their membership. If you say representative or agent, it tells you that it can only forward calls to XXXX in extreme circumstances. I have no idea how to re-gain access to my account and it seems Experian customer service will not be able to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$290.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> TU 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 /JEFFERSON CAPITAL SYSTEM added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute for XXXX credit card reporting amount {$1600.00} for reporting different date of last activity from the other credit bureaus which is not accurate reporting. Experian is also allowing this account to report and active payment history and it is incorrectly impacting date of last activity. it has been reporting XXXX  for the past 3 years when is was charged off in XX/XX/XXXX how ever up until XX/XX/XXXX. To my understanding a charge off account should not include an active payment history. 

The response from Experian came back on XX/XX/XXXX and the results were the company that reported the information has Certified to Experian that the information is accurate. How can it be accurate when i submitted proof that the account is in fact reporting inaccurate and not FCRA compliant.
Product: Credit card

I had an account with indigo XXXX and milestone which are under the same company name. My milestone account was compromised and I believe my indigo account is as well. They will not resolve it.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX  XXXX Balance Owed : {$7100.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( 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 ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal info to obtain a credit card and or get a vehicle loan.
Product: Bank account or service

I have been unemployed since XX/XX/XXXX last year. In XX/XX/2016 I because unable to pay the requested amount on my XXXX credit cards I have with USAA. I kept paying them, it was n't much, but I paid them every month till they went into charge off because USAA refused to work with me. When the cards went into charge off, USAA changed my ability to view and operate my bank account. Instead of being able to use the desktop version, USAA will only allow me to use the mobile version. There are a lot of functions I can not use in the mobile version. In other words the account use has been severely impacted. I asked USAA when I would be able to use the computer version and they told me when I pay off both of my credit cards. I paid off XXXX card, but I owe XXXX on the other. That 's going to take a VERY long time beings that I am still unemployed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Errors Under 15 U.S.C. 1666b, 1637 ( b ), 1681s-2, and 1681i To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report that are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below are the details of the accounts and the associated errors : XXXX. XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : The account is inaccurately marked as In Collections/Charge-off. However, the balance shows {$0.00}, and the loan was closed as of XX/XX/XXXX. A {$0.00} balance indicates that the debt is resolved, and a charge-off status is unjustified per 15 U.S.C. 1681s-2.

The accounts remarks, Charged off as bad debt and Purchased by another lender, are contradictory and misleading. 

XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : This account incorrectly reflects a XXXX Days Late payment status despite being closed with a {$0.00} balance as of XX/XX/XXXX. According to 15 U.S.C. 1666b, payments should be applied promptly to avoid such errors. 
Payment history indicates timely payments, contradicting the reported delinquency. 

Violations and Legal References : 15 U.S.C. 1666b : Requires creditors to promptly credit payments and prevent erroneous reporting. 
15 U.S.C. 1637 ( b ) : Mandates accurate billing statements.

15 U.S.C. 1681s-2 : Prohibits furnishers from reporting inaccurate or incomplete information.

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputed information. 

Requested Action : 1. Immediately delete the inaccurate charge-off status and remarks from the XXXX XXXX XXXX account XXXX 

2. Remove the 90-119 Days Late status from the XXXX XXXX XXXX  account and ensure it reflects an accurate payment history. 

3. Conduct a thorough investigation into these disputes and provide me with the results, including verification from the furnishers of the information. 

Supporting Documentation : I have attached the following : A copy of my credit report highlighting the disputed entries. 
Any additional documents supporting my claims. 

Conclusion : These inaccuracies are affecting my creditworthiness and financial well-being. I request a prompt resolution to this matter within the timeframe specified by the FCRA ( 30 days ). 

Please confirm receipt of this dispute and provide updates on your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On at least 3 instances today alone I was refused service by Citi Cards Representatives including XX/XX/2022 XXXX EST XXXX EST XXXX EST Despite me being on a standard phone ( XXXX XXXX ) that I use for business regularly with no issues I was either disrespected, intimidated or given excuses. 

Including an employee who kept insisting I had interrupted him when I did not and was quietly listening, which is illegal tortious interference since he was using a fake excuse to refuse me service. 1 Employee hung up on me after over 20 minutes on the the line in what I can only assume was tortious interference or dereliction of fiduciary duty after claiming he couldn't hear me but would transfer me. Another agent claimed she couldn't hear me until i explained I would report your company and do what I am doing now which is ask for insurance information. 

My phone works fine and unless you have some evidence it does not your employee 's fake excuses, lies, or valid problems hearing me are not my problem. However the fact your company keeps refusing to serve me in violation of your fiduciary duty and your employee 's seems to be set on illegally tortuously interfering with my business with Citi I am demanding your companies insurance information. I am demanding compensation of {$1000.00} for the illegal actions of your employee and the time and hardship I have suffered due to their actions. I have been unable to get service, wasted time with their XXXX and been victimized by them. 


Let me completely clear here, most people think being part of a big company protects them criminally, however I have no intention nor do I think it would be prudent to prove their criminal behavior. However I think it's much easier to extract liabilities from your company vs some person who probably doesn't live in the USA. Nonetheless, your employee 's broke the law, most people don't know there are both state and federal laws that prevent the intentional interference of my business with your company, which is clearly what these people did as XXXX calls had issues that did not exist as my problem. They were either fake manufactured issues due to the ego of your employee 's or simply negligent crimes as a fault of your companies failure to make sure I received proper service. Your company is financially liable to pay for your companies negligence and criminal intent to interfere with my business. 

I want your insurers information and unless you provide some proof the issue was on my end you are required within 30 days of receiving a written request to provide me your insurers information. 

Let me reiterate, I am under no obligation to accept contact from ANYONE outside your company for any reason. I am under no obligation to take any non written communications. If you fail to provide me with insurance information I will find the codes for insurance in your state and possible report you, I will report you to federal regulatory and law enforcement and I will report you to the GA AG and Office of Consumer Complaints and possibly law enforcement for failing to provide insurer 's information.
Product: Checking or savings account

This is a complaint against Wells Fargo Bank N.A. My father and mother had a trust account with Wells Fargo Bank N.A. since XXXX. They banked with Wells Fargo Bank N.A. for over 20 years. My mother passed in XXXX, so my father became the only Trustee on their Trust. No credit cards have EVER been issued on this account. No mobile banking, no online banking, and only paper statements were ever issued on their accounts. Beginning in XXXX of XXXX and continued until XX/XX/XXXX, over {$180000.00} was frauded by a unauthorized user who gained access to his account with the assistance of Wells Fargo Bank N.A. My father discovered it in XXXX of XXXX, of which I was at the bank with him. The bank did nothing so my dad filed a police report and a fraud report with Wells Fargo Bank. Sadly, my father passed in XXXX of XXXX. Wells Fargo Bank N.A. did eventually reverse the Visa credit card charges, but never restored the monies that were transferred out or withdrawn illegally by the person who is now facing 22 XXXX  charges in XXXX Count Court. I have made no less then 15 letters and contacts with upper management ; ie ; CEO, President, VP 's of Wells Fargo Bank N.A. I am listed as a victim to this crime by the XXXX XXXX Attorney and the case goes to trial XX/XX/XXXX. The amount is around {$85000.00} that is still missing from this account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Kc. ) < to equato customer service and unfair practices, which violate 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 dispute resolution process XXXX untair an deceptive, as they XXXX " 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

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE  ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is violating my rights under FCRA section 605b, by reporting fraudulent transactions to the credit reporting agencies. They have reportXXXX, they are violating by reporting balances that were a result of fraud. Please remove all reporting of this business account from my credit reporting profiles immediately. Attached is the valid and active police report from the XXXX XXXX police department.
Product: Mortgage

Loan Servicing Issue : I have an insurance claim from Hail   Damage to my home. Mortgage provider required numerous documents in order to approve a contractor so they may make the needed repairs. The required paperwork was submitted and received in XX/XX/2019 as confirmed by the website they use to upload the documents. I get a phone call claiming the paperwork was approved and they will issue a check addressed to me and the contractor. Two months go by and I make attempts to get a status to no avail. I finally get a phone call from a representative the w/o XX/XX/XXXX that confirms all the required paperwork was received ( again ) but they want a termination letter from the prior contractor that I didn't move forward ( zero costs incurred, I fired the contractor due to their inability to follow through with documentation on the work they WOULD be doing ) with and I terminated the agreement in writing, of which, they confirmed, in writing. I then, sent this termination correspondence to the lender and to-date ; don't have a reply. 

Additionally, I have submitted written correspondence through the same website to document attempts to get a status. The delays have caused damage to the inside of the home because the roof  is damaged from the hail  and I can not get approval to begin repairs. 

The negligence is significant on behalf of the lender - I will no longer stand by and allow them to manipulate a process they create and then simply ignore and abuse it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 n account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Approximately on XX/XX/XXXX of 2023, an account by a company named Jefferson capital. was fraudulently reported to my credit report on behalf of a private debt buyer. also, this account has already been on my experience before but I disputed it and it was deleted now the same that Buyerr is trying to add this fraudulent account back on my experience report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion I have call a couple of times to dispute these Fraudulent Inquiries they would not work with me and also I send in letters never got a response back The date of the letter XX/XX/XXXX I send out to TransUnion I would like to get the Inquiries Remove off my credit Report Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit card or prepaid card

I pay for XXXX alert which notifies me of anyone running my credit. Yesterday JPMCB CARD SERV. ran my credit. They told me Chase opened an account ending in XXXX in my name. Chase has since closed that account.