23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Very good afternoon friends, a cordial greetings to distinguished financial protection institution, I was a user of the service provided by the transferwise company, since due to the economic and political situation of my native country ( XXXX ) I had to emigrate to XXXX, from the services that this company lends ( transferwise ) it was possible to send and receive money from family and friends for monetary help, but from one moment to another my account was closed on XX/XX/XXXX of this year, freezing a balance of XXXX usd product of my savings and work, in the midst of this pandemic and the situation that I have at the moment my wife is XXXX and we will have our XXXX in XXXX XXXX willing and my XXXX XXXX is in college I feel very anguished and desperate. 
At the time of closing my account, this company gave me the option of requesting a refund of my money in its entirety, it turns out that on XX/XX/XXXX I received an email from an assistant of the wise company named XXXX XXXX where she told me not to They will make the refund, even so the status of the appeal says that my money was sent to my bank account of XXXX ( national currency bank in XXXX ) which I am the owner, they do not explain or give me any reason why they do not make the payment, I have made the complaint to their customer service email and they respond that they do not have access, my concern is that seeing the opinions of said transferwise company online there are many users who brand this company as scammers and abuses when withholding money. Please help me with this case, my financial situation and the responsibilities that I have make me desperate, my wife spends the day crying because we don't know what to do and that is not good for the XXXX that is in her XXXX. Please help me
Product: Debt collection

I checked my credit report today and there was a major derogatory account noted in the amount of XXXX $ to a Consumer Adjustment Co. and it says its for XXXX XXXX XXXX it says the account  was opened on XX/XX/2020, i have not had any interaction with opening any account for medical services on this date and have no idea what this is, I tried calling the number for the CONSUMER ADJUSTMENT CO, and got a voice mail ; their info is CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This hit my credit score and brought it down 60 points and is not even mine!! please help!
Product: Debt collection

I have an email from Rental Recovery on XX/XX/21 saying that {$1300.00} gad been paid so why are they refusing to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Payday loan, title loan, or personal loan

Received a call that my previously submitted application for a payday loan ( never applied for a payday loan ) has been approved by a new lender for an amount up to {$15000.00}. This was a computer generated call from XXXX. 

They just wanted me to a to apply for a loan that I didn't ask for or want from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why the XXXX is it taking you weeks to remove the fraud alert/freeze you have on my account?! 

REMOVE THE FRAUD FREEZE/ALERT FROM MY CREDIT FILE. Why am I constantly repeating the same thing in these reports for over a month, over a year, over 3 years? REMOVE THE FRAUD ALERT FROM MY ACCOUNT YOU ARE EFFECTING MY CREDIT IN REAL LIFE WHEN MY SCORE IS OVER XXXX. 

I AM TIRED OF SUBMITTING THE SAME XXXX REPORT EVERY WEEK I AM DISGUSTED YOU HAD THE AUDACITY TO KICK ME OUT OF MY ACCOUNT AFTER BEING REPORTED TO CFPB. I HAVE ONLY HAD A FREE ACCOUNT & WILL NOT BE PAYING FOR AN UPGRADE I DID NOT ASK FOR & WASNT NOTIFIED OF. ITS GIVING THEFT, you still have to do your XXXX job SUBSCRIPTION or not ; and I am documenting this for a class action lawsuit.
Product: Checking or savings account

I had money for my electric bill in my account. I had opened the account this past month. I have nothing connected to where anything will come out. I had over {$100.00} when i went to sleep and when I woke up I had {$45.00}. I had a pending charge for {$98.00} and when it finally went thru it was a check with my name on it but spelled wrong. I dont have any checks. I have never ordered or used checks ever let alone with this new account. Ive filed a dispute and I ask the help messages when I can get the money back into my account and it ignores the question. I keep getting kicked off of the help messaging. I have to keep logging in each time. I had my electric turned off in the cold because they took this money from my account without my authorization. The name is spelled wrong on the check that took the {$98.00} from me. 
I think its insane that they can take whatever they feel like out of an account and then not even begin to help resolve the situation. I will be closing my account after j get my money back, there is no excuse to why the bank would take money from the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a block of specific information on my credit report as I am a victim of trafficking. The details below represent items that are directly connected to the trafficking circumstances Under Section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days as required by law
Product: Debt collection

Sunrise Credit Services is attempting to collect monies owed to XXXX XXXX XXXX for cellular services ( {$700.00} ) which were discontinued in XX/XX/XXXX. At the time that I discontinued service, I had two phones on installment plans which do require a payment to fulfill the terms of the agreement with XXXX XXXX XXXX. On numerous phone conversations over the last year, I have requested an itemized bill detailing the charges to demonstrate that the money they are indicating is owed, is actually owed. It is my belief that there was an extra month of cellular service added to the bill for which I was not using the service. Since I was not under a contract for the service, there are no early termination fees or requirement to pay out the service to the end of a contract period. 

Sunrise at one point sent me a bill with only the total owed, not an itemized bill as I requested and is my right. Sunrise stated they did not have the information on the itemized charges and returned the account to XXXX XXXX XXXX for verification purposes. To date, I have not received the requested verification of the debt in an itemized bill, however, when I checked my credit report, I identified a derogatory collections account related to this matter. As I have asked numerous times for an itemized bill detailing the charges applied by XXXX XXXX XXXX in order to verify the debt was accurate prior to paying which have not been provided by the company, it is my understanding that the reporting to the credit agencies as a delinquent collections account is not only erroneous but in violation of the FCRA. 

I am requesting through a more formal process for the company to provide me the ITEMIZED charges with the total amounts owed for each phone and the charges that are included for service charges, to include dates of service for any additional charges. Once that is received, I will have the ability to verify that XXXX XXXX XXXX was not overcharging based on the date of transfer to a new cellular provider and I will be willing to pay what is actually owed. I am also requesting the the negative marks/reports on my credit report be removed as this has been detrimental to my ability to receive a mortgage prior to interest rates rising. As is demonstrated through my credit report, I have not had any negative accounts for years, and due to the failure of Sunrise and XXXX XXXX XXXX to comply with the written verification of the debt requirements of the FCRA have now experienced harm to my credit rating.
Product: Mortgage

On XX/XX/XXXX, I received a foreclosure notice from my county in the amount of {$1300.00} for the XXXX  year. It did not state what type of taxes or any other years. I contacted my bank and they asked me to email the notice in. I called the county I live in and they stated that the previous years school taxes ( XXXX ) were not paid, which is why the notice went out, but on XX/XX/XXXX they were PAID IN FULL. I sent endless emails and spoke with a representative in the tax department that stated they would disregard the email and helped me understand school taxes. On XX/XX/XXXX, my school taxes ( XXXX year ) were paid to XXXX XXXX XXXX XXXX in the amount of {$3700.00}. I confirmed with the school because I work for the district on XX/XX/XXXXXXXX  that my tax check had not yet been received. In addition, on XX/XX/XXXXXXXX a check was sent out for {$1300.00} for taxes that were " unpaid '', but I had already confirmed with the county that they had been paid on XX/XX/XXXX. I called Newrez to speak with a woman who gave me a lecture on paying my taxes on time. I found out the check was mailed to the wrong address, an address that XXXX XXXX XXXX has not used in over 2 years to collect taxes. In addition, no one knows where this mysterious check for {$1300.00} went. I contacted Newrez on several occasions and could not get in touch with someone in the tax department. I sent several emails requesting phone calls. No one responded. I have filed several XXXX complaints and a complaint with thXXXX XXXX XXXX XXXX XXXX. I am currently on the phone with them and they are still refusing to cancel or stop the check that was mailed out over a month ago and refund it to my account. That money is owed to me. Nowhere in my agreement does it say I am to pay someone else 's taxes that were paid back to him in our closing agreement. 

I spoke with another supervisor who informed me they spoke with someone from the `` county tax department '' on XX/XX/XXXX who refused to give their name stating our taxes were still not paid in full. This claim is FAKE AND NOT TRUE. I have called the tax assessor, the county tax office, and spoke to the school tax professionals/collectors and they all stated they have not spoke with ANYONE from NewRez. In addition, on another phone call I was told that they can not dial out. Also, if they spoke with someone on XX/XX/XXXX, then why did they mail the check out on XX/XX/XXXX??? MY MONEY HAS BEEN MISSING FOR OVER A MONTH ALMOST TWO FULL MONTHS. PLEASE RETURN THE CHECK TO MY ACCOUNT IN THE AMOUNT OF {$1300.00}. I have more than enough evidence to prove that this company is lying and stole my money. Someone make them give it back. I will continue to file multiple complaints about this company until someone does something.
Product: Mortgage

My mother XXXX XXXX XXXX whom is a XXXX year old widow on a fixed income of SSI had her monthly mortgage payments of {$600.00} to Mr Cooper account number XXXX auto withdrawn monthly and has not missed any payments since XXXX. On XX/XX/XXXX I received a letter from Mr Cooper advising that the payment for XXXX was missed. I then called the bank and found out that as of XX/XX/XXXX Mr Cooper was deducting XXXX from her account for XXXX, XXXX and XXXX after calling Mr Cooper on XX/XX/XXXX I was told by XXXX that they would look into this and call me back. I received a call back advising that the reason for the increase was due to the property taxes increasing over {$5000.00}! We never received ANY type of correspondence advising of this increase from Mr. Cooper. I then called the county and the taxes have not increased I am attaching the county tax record as you can clearly see taxes for XXXX were XXXX for the year and XXXX was XXXX for the year. This is NOT a XXXX increase as explained by Mr. Cooper. Mr Cooper then advised that they could spread the payment out over 24 months to bring the payment down to XXXX effective XX/XX/XXXX. This excessive payment of XXXX caused a financial debacle for my mom whom gets a little over XXXX each month SSI. Mr Cooper did refund the 5 overdraft payments but they took XXXX for the month of XXXX and XXXX and now she is 30 behind on the mortgage as a result of this issue. She has paid XXXX but now owes for XXXX and we are in XXXX. This is very disheartening as the home she lives in worth less than 30,000 due to the deteriorating neighborhood in which she resides. I have my home listed as the mailing address so that I can keep tabs on the finances and assist her as needed. I am also able to speak on her behalf with Mr. Cooper. I feel as though she should have been notified as Mr Cooper emails me all correspondence yet NOTHING was said about the increase in escrows. I feel this is unfair and deceptive practice and Mr. Cooper should be held accountable as now she has lates on her mortgage through no fault of her own. Please look into this as she is currently on a balloon payment with Mr. Cooper through mitigation she had completed prior to the roll out of TRID in XXXX and had not had a late payment since the mitigation. I feel she should be credited all payments from XXXX through present so that she can get financially back on her feet. All representatives from Mr CoopeXXXX were nice and understanding but this does not excuse the fact that the company policy needs to be revamped when advising consumers of increases in their payments. Thank you for your time and consideration XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt from LVNV FUNDING LLC.
Product: Credit reporting or other personal consumer reports

Transunion has blocked, suspended my on line account for no reason at all accept weaponized against me when I emailed the ceo and executives that the site never works and sent photos, snip shots, I can not get my credit report. Negligence, unsound and unsafe business practices. Incompetence, customer service- there is none. Call all available numbers and disconnected. My complaint will also go to the OCC. This is alarming. Its fraud.

The business practices are unsafe and unsound. Listing addresses I never lived at with dates going back to XXXX! I was not in the State of Florida in XXXX. I was attending University in another Country. Its negligent and down right unsound business practices. 

I have no access to my credit report since XX/XX/XXXX! Its alarming. My account is suspended due to Transunion falsely and fraudulently stating I am not XXXX XXXX and illegally blocking me because I called and complained. I will retain a consumer lawyer and sue. TransUnion and I will win in a court of law or an arbitration. My evidence is undisputed. 
This behavior is absolutely unsound, unsafe and you are putting me in jeopardy, and I legally will hire an attorney to handle the matter because this is absolutely unsound. 

I reported to Attorney XXXX XXXX at the XXXX and also Social Media via attorney to 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 : XXXXXXXX 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  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 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

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 : Discover Bank has violated my rights.

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

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: Checking or savings account

I had open an account at Santander in regards for a line of credits for my small business, that I was advise from a lady name 's XXXX that work for Santander branch in XXXX ma. Following that my had set up a contract with paycheck for HR services that was paid to my XXXX XXXX XXXX for some reason service never being done and paycheck had been using the money that I had open the account on XX/XX/2017 which I had never received no invoice from them, and I found out that through another bank that I was trying to open a business account for credit line they told me that I can not open it because I had a red flag on my name. I hat went to Santander branch in XXXX ma which they give a number to call, when I call that number they asked me to pay them {$200.00} for them to help me. I find that unfair and I am asking for your help please.
Product: Payday loan, title loan, or personal loan

Last XXXX I had a contractor come out and do some foundation work at my residence. They offered one year free financing through Sunlight Financial. On XX/XX/XXXX a payoff was requested. It was received and on XX/XX/XXXX my attorneys office processed a wire transfer in the amount of {$9600.00}, Bank Reference Number XXXX, XXXX to be applied to Loan Number XXXX. The XXXXXXXX XXXX was XXXX XXXX XXXX XXXX. On XX/XX/XXXX I called and sent a message to Sunlight when I noticed that the loan was still not paid off. I then sent an email and received a response that they needed additional information. I then reached out to the attorney and provided the above information to them via a secure message. I called again XXXX and spoke to someone who could give me no answer as to why it is taking now almost 2 weeks to process a loan payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting an old information and I want it removed because it is damaging my credit scores.
Product: Credit card or prepaid card

Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Canceled by credit XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Canceled by credit XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX
Product: Debt collection

I was notified through my XXXX XXXX XXXX account that a negative reporting occurred on XX/XX/23. It is in an amount of {$1100.00} from an unknown source allegedly being collected by Sequium Assets Solutions in Georgia. I attempted to reach this collection agency directly with no response. This is clearly a fraudulent attempt to collect on a non existing debt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not following the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission.

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 data is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This shouldn't be so difficult to make sure that they follow the rules.

The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a medical collection on my report that does not belong to me. I do not know where this account came from and there is no creditor listed on the account. This inaccurate reporting is causing me significant harm and needs to be removed immediately.