23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  / XXXX / {$0.00} XXXX XXXX / XXXX / {$420.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card or prepaid card

Bank of America. On XX/XX/2019. 

I want my {$500.00} returned but bank of america won't work cooperate with me to get fraudulant companies to give me my {$500.00} nCk. 

XXXX XXXX XXXX  in XXXX duped and defrauded me. XXXX XXXX works with XXXX XXXX  and they took my money. 

Services were false, NEVER got services, web login or password. I canceled immediately. 

On XX/XX/2019 I was duped by XXXX XXXX XXXX  in the streets in XXXX while on vacation. They said " just show your id and a credit card and they held it until manipulative lying presentation was over. I did not approve this {$500.00} credit card charge. 

Furthermore I immediatly canceled after I saw on the internet how they defrauded many consumers. I went in person and canceled with XXXX the manager on XX/XX/2019. XXXX SAID NO PROBLEM. 

Here is my email on XX/XX/2019. 

I was duped into signing a contract by XXXX XXXX. They shook {$500.00} from my credit card without my knowing I was signing a credit card approval. 

rom : XXXX XXXX XXXX Date : Tue, XX/XX/2019, XXXX XXXX Subject : Questions - product website right now not transparent To : XXXX XXXX Hi, I'm XXXX XXXX and XXXX XXXX . 

This morning we subscribed to your services, however, we see now your product website is NOT Transparent to us to be able to compare prices for upcoming travels that we have. Besides we see SOLD OUT on variety of travel places on your website -- this is not positive and good for us. Waiting 2-3 days is not fair because if we're not satisfied I want my deposit back and void subscription. 

What is " VIP RESORT WEEKS '' really mean? Are we getting 8 weeks per year at {$190.00} each? 

Please get back to me tonight or tomorrow the latest via this email or cell XXXX. 

This is second email. 

Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report and seeing that this account was fraudulent on my credit report, please remove this fraudulent account from my credit report. Thank you.
Product: Mortgage

This complaint is about Wells Fargo Home Mortgage not complying in a reasonable time frame for a request of information so that we would have had sufficient information to seek legal advice and perhaps participate in redeeming our home within a reasonable time frame. 

We were asked to leave our home on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on Monday, XX/XX/2018. We did not know that the house had been foreclosed upon and sold. 

ON XX/XX/2018 I contacted Wells Fargo Home Mortgage to request all documentation in order to seek legal advice about our rights. I spoke to XXXX XXXX XXXX Ext. XXXX. I let her know that I was needing all the paperwork in order to contact a lawyer. 

Today is XX/XX/2018. On Monday it will have been 10 weeks and we still do not have the paperwork. 

Also, My husband, XXXX, contacted a XXXX who was the person involved in removing us from our home on approximately XX/XX/XXXX, XXXX said they weren't interested in selling our home. Then the next time we heard from XXXX ( unknown company at this time ) on XX/XX/2018 and told us the movers were coming and we needed to be out of our home. We complied. 

Then on approximately XX/XX/XXXX XXXX tried to contact XXXX again. XXXX left a message. XXXX called back within approximately 2 days later left a message on XXXX 's cell phone that they had an offer they couldn't refuse on our house. 

On approximately the week of XX/XX/XXXX XXXX tried to reach XXXX again and left message. XXXX did not respond. XXXX left several messages. 

On approximately XX/XX/XXXX XXXX tried to reach XXXX again. Within a couple of days XXXX called XXXX back and left a message to say he was travelling and did not have access to the dates or any information. It is XX/XX/2018 and we still have not gotten the information from XXXX. 

The Mortgage was originally through : Wells Fargo Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payments were due to : Wells Fargo Financial Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Since at least XX/XX/XXXX, I have not been able to view my PayPal Credit statements online because I receive an error message. PayPal Credit is issued by Snchrony Bank, and they do not mail paper statelets. In late XX/XX/XXXX, I reached out to customer service, who didnt seem to care, and said I should try accessing my statements using a different device or computer. I never had a problem accessing my statements prior to XX/XX/XXXX. I upgraded my XXXX XXXX days ago and still receive the error message when trying to view my statements. I also used other devices and browsers to no avail. It is a violation to not provide me credit account statements. Even through a XXXX XXXX XXXX complaint, Synchrony Bank has not corrected the glitch to allow me to access my statements.
Product: Checking or savings account

I opened this checking and savings account a long time ago. I have direct deposit and they said if I have XXXX the monthly fee will be waved. To this day I have complained in person and they are still charging me a monthly fee every month.
Product: Debt collection

I am following up on my previous complaint concerning the collection account reported by TekCollect for services from XXXX. Since my initial submission, I have obtained further information reinforcing my position : XXXX Bankruptcy and Service Cessation : XXXX filed foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and ceased operations in XX/XX/year>. This abrupt shutdown left many customers, including myself, with incomplete treatments and unfulfilled services. 
Breach of Contract : The companys failure to deliver the agreed-upon services constitutes a breach of contract. Despite this, TekCollect has reported a collection account for the unpaid portion of the treatment, which is for services never rendered. 
Bankruptcy Court Proceedings : A bankruptcy court denied XXXX request for a structured dismissal that would have released claims against the companys insiders, citing concerns about the fairness of the proposed settlement to creditors. 

Given these developments, I respectfully request the CFPBs assistance in ensuring that : 1. TekCollect removes the invalid collection account from my credit reports with all major credit bureaus.

2. All collection activities related to this account cease immediately.

3. I receive written confirmation of the removal and cessation of collection efforts. 

Thank you for your continued support in resolving this matter.
Product: Checking or savings account

on XX/XX/XXXX of 2021 Bank of America Sent us a Letter Stating they are closing our Company account and provided no explanation on the reason for closing the account. ever since then they told us that they are closing the account and will send us the check. i have called them everyday for the last 3 weeks and they are not giving me any information and claiming they are still investigating. so far they have not provided any information on where did the funds went or anything. 
our attorney sent them a Demand letter to release the funds with no response.
Product: Mortgage

My mortgage was being serviced originally by XXXX XXXX during the first half of XXXX ( XXXX ). I then received notification on XX/XX/XXXX that my mortgage servicing was being transferred to Service Mac starting XX/XX/XXXX. 3 months later ( XX/XX/XXXX ) I was notified again that my mortgage was going to be transferred back to XXXX XXXX for servicing starting XX/XX/XXXX. As of today 's date, XX/XX/XXXX, I have only received a single 1098 from XXXX XXXX, showing a loan acquisition date of XX/XX/XXXX. This however is the date that my mortgage was transferred to Service Mac for servicing. I attempted to contact Service Mac for the additional 1098 for the 4 months of servicing ( XXXX ), but am seemingly connected to XXXX XXXX because the automated system notifies me of my most recent payment, almost as if the 2 companies are 1. After speaking to a representative and supervisor I am told they only have the single 1098 reflecting XXXX XXXX. I am needing TWO ( 2 ) 1098s that reflect the correct servicer and interest paid for the period serviced for the XXXX year. All communication I received prior to the transfer confirm I would receive a 1098 from both servicers which hasn't occurred. Please contact me if needing additional information.
Product: Debt collection

Well first off I was denied for this loan so I don't know how I could possibly even be sued for not paying a loan that I was denied for. I applied for the loan with speedy cash in XXXX of XXXX. And was denied less then two years later in now receiving emails saying that I'm getting sued for not paying back this loan and that I should get ready to spend 3 years in jail. The loan outstanding amount is for XXXX. The settlement amount is XXXX. And if I were to work with them they would lower the price to XXXX. And if I still didn't then they'd take me to court or would contact my employer. And then the lawsuit would cost XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Product: Debt collection

OUR JOINT ACCOUNT WAS FROZEN. I WAS TOLD BECAUSE WE ARE MARRIED, THEY CAN TAKE ALL THE MONEY IN OUR AJOINT ACOUND. I DID NOT RECIEVE ANY PAPERWORK TO EXPLAIN WHY OUR MONEY WAS FROZEN IN SEPERTE AMOUNTS. I CALLED THE BANK TO FIND OUT WHAT HAPPENED. I HAD TO DO ALL THE REACHING OUT TO FIND OUT WHY I COULD NOT USE MY SOCIAL SECURITY FUNDS. I WAS TOLD THEY HAD THE RIGHT TO KLEEP ME FROM MY SOCIAL SECURITY FUNDS. UNTILL THE MATTER WAS RESOLVED I WOULD NOT HAVE ANY ACESS TO MY SOCIAL SECURITY MONEY TO BUY MY FOOD AND PAY MY RENT.
Product: Vehicle loan or lease

My issue is with Exeter Finance of XXXX XXXX 

In my conversation with the company on XX/XX/2022 I was told there was an overall balance on the account of {$3100.00}. I told them that on my computer screen it said payment due of {$810.00}, which is the payments I have made throughout the history of this loan and would be be ok if I made that exact payment prior to XX/XX/2022 so that it would not be marked late on the XXXX credit reporting agencies. Exeter 's agent told me that it would be fine. On XX/XX/2022 I made the payment of {$810.00}. Within a week the credit reporting agencies listed the account as 30 days past due ( the first negative mark on this account for the 6+ years I have been paying off this account ). I called Exeter to complain about it but they did nothing about it. I then made a decision to pay off the balance of the account for the amount of {$2300.00}, which was paid on XX/XX/2022. To my absolute terror not the credit reporting agencies are listing the account as 60 days past due, which is impossible as the account is closed and I have paid in full the loan. I request that Exeter eliminate that 30 day late mark as the account was paid as what was agreed to and to eliminate the 60 day late mark as that is impossible as the account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I implore you to take immediate action to remove it without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that Naviant had filed delinquencies on my Credit Bureau. I was a co-signer for my son 's Student Loan and he had fallen behind. The loan was re-financed without my knowledge and when I called in the last 12 to 18 months to inquire about derogatory items on my Credit Bureau, I was told that it would take 6 months to resolve. I followed up by pulling my Credit Report and my score had continued to drop. I called Naviant again and they would not take my call without my son or daughter-in-law. I called with my daughter-in-law and they stated that they did have a recorded call of me being told this would be resolved in 6 months but there was nobody there that knew how to remove me as I was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting an erroneous late on my credit file. I Paid the balance in full but wasn't aware of the annual fee in monthly payments. I do not receive statements or notices and never received a notice about this late payment. On top of that, they also had the incorrect email listed on file so I was not getting anything from them. I have had this account for a long time and have never been late. I am very disappointed about the communication I get from this company especially being that this is something that affected my credit severely. Under the federal mandate you are not allowed to add this late notation to my credit file anyway. I am asking as a long time customer that you remove this XX/XX/20. I was not aware that the annual fee was to be paid monthly.
Product: Debt collection

I have a debt collection letter I got " Creditors Discount & Audit CO., INC. '' for a medical bill I have already been paying on and have very little left to pay at this time. When I called to get information and dispute it, I was given very vague information that I need to provide proof of payment, which I need much more information for, but before I got to getting specifics I had also commented that I am not comfortable that I was sent a very detailed itemized list of medical information from this collections agency, which if it is in fact mine seems to be a huge breach of my privacy. The person I was speaking to seemed to get pretty angry at this concern and told me it doesn't tell them any specifics, but I assured her that this is a very detailed list of medical information I am currently looking at right now, to which she replied she was " done with this conversation '' and immediately hung up on me. How am I supposed to go about disputing this bill collection or handle it in any way if I am being attacked on the phone by these people that need to help resolve this? I am always calm and collected never raising my voice yet this person immediately flew off the handle on me at the very first bit of pushback on the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my credit due to being denied a loan XXXX XXXX listed on credit report It says closed XXXX Date reported to who XXXX XXXX XXXX XXXX XXXX XXXX Va unclaimed?? 
But THE PAYMENT HISTORY on my credit report shows some persons used. My XXXX XXXX CARD in XXXX. I was homeless and had no credit cards on my person only my debit bank card from XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX And I had no phone until XXXX approx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : : XXXX XXXX XXXX limit It says payroll deducted I HAVE NEVER AUTHORIZED AN ACCOUNT TO BE PAYROLL DEDUCTED I have asked XXXX for the info on file for my XXXX gon na card NO RESPONSE SINCE XXXX I NEED where the card has last been sent to when the card was documented used Address Phone The payroll deducted account info that XXXX cans bas for my card And the name of company it was being payroll deducted from and their info and BANK ACCOUNT # used to pay for the charges I need this ASAP SO I. Can catch the persons who stole my identity. Since XXXX I have over one million dollars plus missing Unaccounted for Identity theft registered with FTC and confirmed by the office of comptroller for Currency USA I want the credit info as per I have requested numerous times to reciver my identity asap sent to me at only XXXX XXXX XXXX nc XXXX Only XXXX Only My birth XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another attorney XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. 

The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. 

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

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

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


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
Product: Debt collection

I am writing to formally request the removal of an item from my credit report due to the charge-off status. The details of the account in question are as follows : - Account Number : Unknown - Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX - Amount : {$15000.00} According to my records and under relevant federal and state laws, a charged-off debt is no longer my responsibility, and as such, it should be removed from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) and other applicable laws dictate that inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file. 

I have verified that the debt has been charged off by the original creditor, and therefore, it is no longer a collectible debt by your agency. Furthermore, the presence of this charged-off item on my credit report is causing undue harm to my credit score and financial standing.
Product: Debt collection

I HAVE NO KNOWLEDGE OF ANY ACCOUNTS WITH MERIDIAN FINANCIAL SERVICE YET THERE ARE 4 ACCOUNTS SHOWING COLLECTIONS.BESIDES THE AMOUNT AND DATES VARY. THIS IS NOT MY ACCOUNTS. AS YOU CAN SEE BY MY CREDIT REPORT I PAY MY BILLS WITHOUT ANY PROBLEMS. PLEASE HAVE THIS CORRECTED AND REMOVED. THANK YOU
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I hope this letter finds you well I am asking for the cfpbs help in a system me or protecting my rights i have been violated by Equifax and XXXX I wrote to the XXXX XXXXXXXX XXXX bankruptcy court on XXXX seeking confirmation about the reported bankruptcy, and received a letter in response > stating they do NOT furnish any consumer data to Equifax, XXXX or other credit entities. I also sent 3 dispute letters to equifax and XXXX citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankruptcy that is not mine also. I sent notarized affidavits also. I also sent Equifax a letter documentation of contacting The District court directly inquiring about their records, but received no response. Despite Equifax and XXXX failure to validate or deny the report to you directly as the natural person creditor. Equifax and XXXX has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ALASKA CHILD SUPPORT SER account # XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX  XXXX account # XXXX XX/XX/XXXX XXXX XXXX account # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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