23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX has violated my rights. In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy.15USC1681s-2 ( A ) states that a person shall not furnish any information relating to 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1. I have not paid my mortgage for a while due to the refusals of my mortgage Servicer/Investor to modify my loan. I lost my job in XXXX XXXX, XXXX, and at the same day I requested my mortgage servicer ( XXXX XXXX XXXX ) for a mortgage modification through Home Affordable Mortgage Program ( HAMP ) but has been denied ( simply no official answer ) FIVE times. Each time XXXX XXXX XXXX offered help but when I try to avail of such, results : Either I was given a run-around, no reply, and declined. 

2. The owner of my loan, or the Investor is XXXX XXXX. 

3. With my mortgage 's 7.375 % interest rate, per mortgage statement attached : Monthly Regular Payment : {$2000.00}. Breakdown of Principal {$300.00}, INTEREST {$1300.00}, Escrow ( for Taxes and Insurance ) {$460.00}. Evidently there is room for its modification. Why would they refuse to help myself? 

4. XXXX XXXX XXXX, after declining my applications for mortgage modification, in XX/XX/XXXX transferred my account to another servicer, BSI Financial Services ( a collection agency ), XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, Account # XXXX. 

5. BSI Financial Service put my house on foreclosure sale for XXXX XXXX, XXXX. Weeks before that, through the XXXX XXXX County Foreclosure Prevention Department of Consumer and Business Affairs ( DCBA ) agency, I applied for a HAMP with BSI. I offered my monthly retired pay of {$2100.00}, and my ( re-started XXXX XXXX, XXXX ) Veterans Benefits ( XXXX ) stipend of {$1200.00} for every school month that I attended, to pay for a modified mortgage. Through my DCBA Counselor, my application for HAMP was declined by BSI Financial Services on XXXX XXXX, XXXX. 

6. My application for HAMP was declined due to low income. Will someone request for HAMP if his or her income did not decline almost half from the previous? That 's I am right now, a jobless Veteran, and a college student too. 

7. Facing foreclosure of my only home, it left me no option but to file for Chapter XXXX, Bankruptcy. I and my spouse, XXXX XXXX, filed for bankruptcy on XXXX XXXX, XXXX. We have a court appearance on XXXX XXXX, XXXX ( Case No. XXXX ), XXXX XXXX , US Bankruptcy Court , XXXX District Court of XXXX. 

7. I was an XXXX member, enlisted XXXX, honorably served over 21 years. 

8. I intend to pay all my debts once I recouped my losses from my unlawful job-loss. I was discriminated as a Veteran for over five years of employment. Because of those Veterans benefits above, I was paid callously even with my multiple promotions and achievements. 

Sincerely and respectfully, XXXX XXXX, XXXX, XXXX XXXX,
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I was in a webinar for a travel club, XXXX XXXX  XXXX XXXX. I was told a series of puffery sales pitches. I paid XXXX on my XXXX and then financed XXXX. The total was XXXX. After I got off of the XXXX  and received the login information for the travel club, I signed in and discovered that the discounts that they touted was an exaggeration. I then contacted Monterey Financial and they said that the sales contract with XXXX XXXX  was final. I said that I thought that all financial contracts had a XXXX  day period to cancel or rescind. I was never told that the contract was final and that I couldnt cancel after looking over the contract.
Product: Debt collection

I am writing to dispute inaccurate information that appears on my credit report, as governed by 15 USC 16c-2. I believe that the information in question is not accurate and is causing harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly after I asked you to do so XXXX. Your neglect has violated my rights. I am demanding a deletion of the following accounts : ( Account Name : XXXX XXXX XXXX ) ( Account Number : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX still reporting a past due balance and late payments on my credit report after they have sold it to XXXX XXXX XXXX XXXX collection agency ). It is against violations to continue to report a past due balance on a charge-off debt and sold to a collection agency. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Product: Checking or savings account

On XX/XX/2023 I attempted to send my wife {$5000.00} through XXXX she never received the payment after talking to XXXX customer service and looking more closely at the transaction I realized my wifes phone number was not on the contact anymore instead it was an email address I did not add this contact and do not know how it got there on Monday XX/XX/XXXX after attempting to contact a person through this email and contacting XXXX who told me to contact my bank I contacted my bank who opened a dispute for me on the track claims page it said I would be provided a provisional credit within 4 days I had not received a credit on Friday XX/XX/XXXX XXXX at XXXX XXXX I called the bank and was transferred to the dispute line I was told my credit was in queue to be sent to my account and it should be there within a couple of hours on Monday XX/XX/XXXX I still had not received a credit and on Tuesday the dispute was closed this was my bill money my phone is turned off and I will be homeless on Monday with my XXXX children I do not believe the bank put any effort into actually investigating my claim or attempting to retrieve my money XXXX is a service they provide and yet there is no accountability in any other realm I would have been able to at least try and retrieve the payment I have no recourse as I do not even know who received this payment everything the bank communicated to me I communicated to my landlord that I would receive a credit with 4 days that it would be there Friday night the bank should have more responsibility than just case closed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX TransUnion 15 U.S.C, 1681section 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 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a judgment against me from XXXX County Courts in XXXX, GA. I use to live in an apartment complex and left which caused me to break my lease. I have tried to settle the balance but have not been able to reach the company ( XXXX XXXX XXXX or XXXX XXXX ). I called XXXX XXXX several times ( from XX/XX/XXXX to XX/XX/XXXX ) and they gave me the run around about how to pay and who to pay. The last time I called, I found out that another company now manages the apartments. I reached out to XXXX County Courts and they advised me to contact the lawyer for the case. I contacted the lawyer ( XX/XX/XXXX ) but did not receive a return message. I am stuck because I have been trying to settle this account. Because of this, I have been denied apartments because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below. 

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Debt collection

I received a call from ELEVATE RECOVERY. The call was today XX/XX/24 at XXXX to XXXX. When the phone rang there was a pause which led me to believe it may be an automated dialer. I asked the rep if that was the case, and if so, please remove my number from the automated dialer system. She then advised, " ok so you don't want to pay your bills. '' I'm not sure who the company is, nor did I EVER identify myself as the right party contact. I believe this to be a violation of the FDCPA due to the fact the rep advised that there was a debt owed without establishing or confirming who she had made contact with.
Product: Money transfer, virtual currency, or money service

I opened account with okcoin.com for buying cryptcurrency and sent fund to them. After used their service, I didn't like how they don't describe themselves clearly if they saved my personal information in server for the US or XXXX. I am fearful that they have my personal information in XXXX server thus sold what I had and tried to withdraw my fund back to my US account but they saved wrong XXXX and bank name saved and confused me to sent my fund to wrong bank which was rejected in the past few weeks ago but now shows that it went thru. So I let them know about their confusing mistake holding wrong information about XXXX and bank name as one of option to chose which should have never been saved in their system for security issue. If I am having this problem and exposing my personal information in XXXX server than it should been disclosed fully in their site but they won't answer you. Now I just want my money back from them and stop them from operating in the US risking many others in same problem as I am in now. They have customer service number for the US customers but it's answering service. And their online customer service is worthless won't answer with important information and you won't get respond back from them either. I need help from US regulatory authorization dealing with them because they clearly don't care responding back to US customers. I guess it's XXXX thing. Please help me.
Product: Debt collection

Subject : Formal Consumer Dispute Letter to the CFPD Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX, and I am writing to bring to your attention several violations of consumer protection laws by a collection agency, which have adversely affected my financial standing and consumer rights. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency in question has placed a collection on my consumer report without providing the necessary validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). This omission has caused significant distress and has a direct impact on my creditworthiness.

Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process violates my rights as a consumer and undermines the fairness and accuracy of the information on my credit report.

Violation of Consumer Rights through Deceptive Means : The collection agency is engaging in practices that violate my consumer rights by employing false, misleading, and deceptive means. Such actions undermine the integrity of the credit reporting system and create an unfair advantage for the collection agency at the expense of my financial well-being.

Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has furnished my account information to consumer reporting agencies without providing the necessary disclosures mandated by law. This clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further underscores the agency 's disregard for legal obligations and my rights as a consumer.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates these violations and takes appropriate action to rectify the situation. I believe that by addressing these issues, we can uphold the principles of fairness and consumer protection that are integral to a just financial system. 

Thank you for your prompt attention to this matter. I am confident that your intervention will contribute to the resolution of these issues and the restoration of my consumer rights. 

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

After submitting proof of payment to XXXX  several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in 2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached
Product: Debt collection

Account Resolution Services has listed an account on my TransUnion credit report stating I owe them money from XX/XX/2011. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Account Resolution Services is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

I made a wire transfer ( over {$3000.00} ) through Bank of America on the XXXX of XXXX and the recipient is yet to receive the funds. I have contacted the bank several times and I keep getting the same response- the intermediate bank they used is not responding or yet to respond to their emails, and as such have to keep waiting until the intermediate bank responds to them. This is what I get if I either ask to trace the money. even if i requested a recall of funds, it's still the same process of reaching out to this so-called intermediate bank.
Product: Checking or savings account

On XX/XX/ at approximately XXXXXXXX XXXX  EST, I placed an envelope into the big blue mailbox in front of the Post Office on XXXX XXXX XXXX XXXXXXXX Georgia. The mail contained my personal check payable to my son, XXXX XXXX, and addressed to him. The check was written against my account with Regions Bank in the amount of {$2400.00}. My son never received the mailing. On XX/XX/, I received notification from Regions Bank that the check had cleared my account and {$2400.00} was transferred to XXXX XXXX XXXX based upon my check # XXXX clearly payable to XXXX XXXX, but deposited and endorsed to the account of " XXXXXXXX XXXX XXXX. I immediately reported the mail theft to the US Postal Inspection Service, Case # XXXX. Next day, I visited Regions and met with Branch Manager XXXX XXXX and filed a check fraud claim, # XXXX. XXXX said that my case was very clear and simply fraud that should be resolved in less than 30 days. On XXXX XXXX XXXX I filed and additional affadavit on an Unauthorized Check Dispute Form. 

I have continued to follow up with visits and telecons with Regions Branch Manager XXXX XXXX and after 5 months, have not had my {$2400.00} restored to my account. I have tried multiple times to escalate my case with Regions. I have received sympathy but no real help. Regions is deferring to XXXX XXXX XXXXXXXX for resolution. I don't have an account with XXXX XXXX XXXX. Regions is responsible for taking money from my account and giving that money to XXXX XXXX XXXXXXXX based upon a fraudulent deposit by a third party with my check made payable to my son. I have tried to get help from the FDIC who then referred me to the Federal Reserve. The Federal Reserve then referred me to the Consumer Financial Protection Bureau for help. This fraud investigation should not take 5 months plus to resolve and restore my stolen funds. The update I got from Regions just today said that the update has not changed and please do not request another update for 30 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit 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
Product: Checking or savings account

I opened a checking account online XX/XX/2024 for the cash bonus offer as advertised ( see documents of screenshots while going through the process ). It was funded with {$100.00} at the time of opening on XX/XX/2024 and another XXXX XXXX  was initiated on XX/XX/2024 for {$3000.00}. 
Two fundings were required. 

The terms state I would receive {$300.00} within 30 days after completed. It has been over 30 days at todays date of XX/XX/2024. 

See attached documents The online helper ( see attached documents of screenshots ) was not helpful but seemed more geared for sales. This is not trustworthy banking practices.
Product: Checking or savings account

In XXXX of 2021 I became unemployed. Ive had my checking and savings account with Wells Fargo for over 5 years and I had many outside transactions going into my bank. For examples bill payments, subscriptions etc. I called Wells Fargo several times to put stop payments on items so that I could avoid any overdraft fees. A representative told me that a stop payment was applied but it might not stop reoccurring payments from being posted. So my stop payment never worked for me and in turn my account became overdrawn to the point I couldnt make any payments to cover the fees. As the overdraft fees kept piling on Wells Fargo eventually closed my account and now they are constantly harassing me everyday with phone calls to see if I can make a payment. Im still unemployed looking for employment so I am unable to make those payments. Ive talked to several representatives and I mentioned that I should have been notified to close my account to avoid the fees but that option was never offered to me. And now my past account is at an amount that I can not afford and I feel like I wasnt given any options to rectify my situation especially since I called numerous times to avoid the fees from accruing.
Product: Debt collection

I am disputing a bill from XXXX and working to resolve the issue with XXXX. XXXX turned the b ill over to IC System, which called and wrote me. When I tried to call the number on IC 's letter, there was no answer. The company called several times but I told them I was disputing the amount with XXXX. Thereafter I have received as many as four calls a day, some late evening, from robocallers : no one answers, no human calls. I have a list of the numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a reported balance of {$3900.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on XX/XX/2023 evidence to support why they maintain incorrect information in my report and you have not provided it to me for that reason and as the law says Consumer reporting agencies must correct or eliminate inaccurate information, incomplete or not verifiable. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. For this reason, I request that the accounts described above be deleted based on the FCRA