23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I received a notification of a collection on all 3 credit bureaus, Midwest recovery systems. Ive never heard of them nor received ANY notification of any debt or collection from them. 

This company needs to be looked into as Ive necer heard of this debt or received any notification of such. My credit scores dropped over 50 points due to this invalid debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a CRO on XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

Equifax XXXX ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX  XXXX {$68.00} not mine XXXX XXXX  XXXX {$85.00} not mine XXXX XXXX  XXXX {$85.00} not mine XXXX XXXX XXXX {$160.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XX/XX/2020, XXXX XXXX XXXX
Product: Prepaid card

When going into a XXXXbank branch to get XXXX for my minor daughter to take to XXXX last summer, the Bank teller aggressively sold me ( successfully ) a reloadable Travelex cash card ... Stating that I could get the card in my name and give it to my daughter for her solo travels in XXXX. Teller stated that if my daughter lost card.. Another would be sent to her.. Also that card could be reloaded and used at many locations legally and it was the safest way to go. After buying and loading the card, I called " multi currency cash passport '' company to get details on usage. Cash Passport told me I would be " in breach of contract '' if I let my daughter use my card without me ( she is a minor, traveling solo ), and they would not replace it if stolen, lost or confiscated. Cash Passport mentioned that some merchants may confiscate her card. I returned to Travelex counter inside usbank and they were still aggressively selling Travelex card to parents of minors for the minor to use overseas ( I had to wait in long line and overheard same selling points that sold me on the " safe card for your child to use XXXX alone ) .. I did speak to the teller and then the tellers manager about this dangerous marketing strategy.. ( They did unload my cash card.. For a fee of course.. But that is not my complaint today ). My concern is for these children traveling XXXX with a cash card that is not replaceable if lost or stolen. This practice that Travelex is aggressively selling the cash passport card to parents that come to bank counter to get foreign currency.. And children are traveling solo overseas with a false sense of safety. I mentioned these concerns to Travelex manager XXXX XXXX XXXX XXXX XXXX XXXX, and she did not seem to understand my concerns..I would like Travelex to train there employees to not push this card on parents of minor children that come to the bank to change dollars to foreign currency. That is wrong. This is putting children in danger. 
Thank you
Product: Money transfer, virtual currency, or money service

Bank of America is just so slow with transactions and updates
Product: Credit reporting or other personal consumer reports

I noticed errors on my credit report and sent dispute letters to Experian and XXXX XXXX months ago. It's been more than XXXX days, and neither has responded, which violates 15 USC 1681 ( a ) ( 1 ) ( A ).

According to 15 USC 1681 ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information in their file at a consumer reporting agency, and the agency receives notice of the dispute, they must conduct a reasonable reinvestigation within XXXX  days. 

If they can not correct this issue and accurately reflect my on-time payments, I demand that they remove it entirely from my credit report because it is affecting it negatively.
Product: Mortgage

I am not understanding Wells Fargo has done with my money I have sent to them. 
It seems I have too much due and I am frustrated with this procedure. 
I want to include a copy of all payments sent to Wells Fargo this year. 
Something is not correct.
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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX CARD XXXX XXXX  CARD XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XXXX/XXXX/15, I entered into a an agreement to purchase furniture at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX salesperson convinced me to finance the entire purchase with a promotional financing agreement that she was offering through Synchrony Bank XXXX It was an 18 month no interest financing promotion. I received my Synchrony monthly statements and the furniture was indeed financed as agreed. Unfortunately, the furniture was never delivered. The specific delivery date was rescheduled by XXXX XXXX XXXX XXXX twice. In XXXX 2015, I finally complained to Synchrony Bank that the furniture was never delivered and that they should not pay or Synchrony should reverse the payment that they did make to XXXX XXXX XXXX XXXX Synchrony Bank responded to me by letter dated XXXX/XXXX/15 that they had given me credit but that there was a 35 % cancellation fee that I would be responsible for. This 35 % cancellation fee ( {$2200.00} ) made no sense to me since I did not cancel the order but rather I was the victim of a consumer fraud perpetrated by XXXX XXXX XXXX XXXX ( a sales agent of Synchrony Bank XXXX. The furniture still has not been delivered although I never cancelled the order. I called Synchrony Bank more than XXXX times to try to resolve this dispute nut Synchrony continues to bill me a {$2200.00} cancellation fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a reply to compliant number XXXX. The reporting agency stated the information was accurate. Equifax sent me documents stating the bankruptcy was verified through XXXX XXXX. My consumer report with XXXX XXXX has a freeze on it, so that can not be how they verified the inaccurate bankruptcy they're reporting. They violate 15 U.S.Code 1681e ( b ) compliance and procedures. Accuracy of report. This inaccurate information needs to be removed. This is my fourth attempt to have them rectify the situation and it's causing me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX XXXX mi XXXX false address XXXX not live there 20 years now.
Product: Debt collection

I've made numerous attempts requesting proper validation of the debt I have requested in writing to the collection company and to the credit bureau 's to provide me with a detailed breakdown/ contract with a signature of what I allegedly owe. I have yet to receive any proper documentation, case law is as follows XXXX vs XXXX Appeal from the XXXX Superior Court - The judge ruled the following : " As discussed previously, an FDCPA claim has nothing to do with whether the underlying debt is valid. An FDCPA claim concerns the method of collecting the debt. It does not arise out of the transaction creating the debt [. ] XXXX, XXXX XXXX XXXX. at XXXX. Footnote : See 15 U.S.C. 1692k ( governing civil liability under the Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My last name is misspelled. It is listed on Equifax as " XXXX ''. That is incorrect. My last name is spelled " XXXX ''.
Product: Credit card or prepaid card

Dear CFPB and XXXX, On XXXX XXXX and XXXX XXXX, I performed a balance transfer through the RBFCU online in which I saw a promo offer of 0 % balance transfer. I understood that RBFCU was offering a balance transfer of 0 % in which there is no charge for the balance transfer and the transfer will be subject to the normal billing grace period. 

During the transfer, I did click on the terms and no where in the offer or terms which states that the balance will be subject to interest before the normal billing or grace period. It is normal that other financial institute display terms and conditions before you can click submit. In the RBFCU process, there was none such display of terms and conditions. 

So, when I submitted my balance transfer, I expected that no interest or balance transfer charge will occur. Instead I was charged an interest very shortly after my balance transfer as my billing statement closed on XXXX XXXX. 

As part of my complain, I enclosed screenshot of the RBFCU balance transfer process vs. XXXX XXXX. the XXXX XXXX clearly shows and make a customer aware of the rate and how to avoid interest charge. While the XXXX clearly lacks it and therefore, falsely mislead a customer. This is not acceptable. 

Thank you.
Product: Debt collection

.XX/XX/2017 send written request for this company to provide physical validated to all three credit bureaus. This company has never sent this proof.
Product: Mortgage

Essentially I got tricked into selling my house in a manner I was unaware of. Instead of the buyer paying off my mortgage and getting their own, it got put into some sort of owner financed deal which left the mortgage in my name. I ca n't have this, because of this mortgage account I can not get approved for any loans because my income to debt ratio is so far off. 
The mortgage is also in extremely poor shape and borderline to foreclosure again. I am unable to contact any of the other parties in the deal and the contact I did have with them did not help. I have the right to foreclose the property if the account is in default but its been in default for over 6 months and no one will let me exercise my rights in the contract. 

Wells Fargo has the mortgage and they have the ability to end this situation immediately via my original loan but I can not get in touch with someone who can take any action or even look into this. As long as payments come in, late or not or wrong amount even, they just keep the loan current. I also get phone calls non stop, everyday from Wells Fargo wanting me to make the payment which I have not made in over 3 years. My family is basically being held hostage by this mortgage, we need a newer car and a home and we ca n't get it. The reason I sold this house is because my wife was XXXX and XXXX throughout the XXXX, all this did was make things much worse. Everywhere I turn for help I get sent somewhere else and I do n't have {$270.00} an hour for an attorney.
Product: Debt collection

XXXX XXXX has responded check XXXX for {$89.00} caused my account to overdraft. This was not a check but a debit card debit. XXXX allowed this debit on what was a closed account. I personally went to the bank and closed this account. I have tried in vain to resolve this but XXXX is unrelenting. Their employee failed to close my account appropriately and I as the customer is being forced to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an investigation about incorrect items on my credit report on XX/XX/XXXX I havent got a response as well past 30 days from XXXX XXXX Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS NOT FOLLOWING THE LAW AND THEY ARE JUST USING THE XXXX SYSTEM FOR AUTOMATION! 


THE FOLLOWING PUBLIC RECORD BELOW IS COMPLETELY INACCURATE, INCOMPLETE AND NEEDS TO BE DELETED IMMEDIATELY! 

US BKPT CT FL XXXX # XXXX 1. THE COURT NAME IS WRONG 2. CONTACT ADDRESS IS MISSING 3. CONTACT PHONE NUMBER IS MISSING. 
4. The DATE FILED IS INCOMPLETE, MISSING THE DAY, ONLY SHOWS MONTH & YEAR 5.THE ADDRESS ASSOCIATE WITH THE PUBLIC RECORD IS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX FL XXXX IS INACCURATE BECAUSE THE APARTMENT NUMBER IS WRONG ALL INFORMATION MUST BE COMPLETELY 100 % REPORTING ACCURATELY
Product: Payday loan, title loan, personal loan, or advance loan

I have provided details about the computer hijacking incident regarding our payments from XXXX. However, there is still more to my claim. I have already settled multiple WiFi accounts that were compromised by the scammer who continues to cause damage. The scammer has managed to manipulate our account by adding over 120 days and extending it beyond the usual 30 days, with full access to all three credit bureaus. It is imperative that Star Furniture takes necessary measures to address this security breach urgently.
Product: Checking or savings account

I've had a robinhood account for several years now. 

Recently I signed up for Robinhood XXXX for the savings account interest rate, we transferred our savings into it. 

I also trade stocks with Robinhood and invest in crypto. 

On XX/XX/year> the app said the account was restricted due to unusual activity however it's secured with 2 factor and a very strong password so I am confident it was their systems raising a false flag. There is NO unusual activity on the account. 

I requested a call back on the XXXX, that is the only means of communication they have available for customer support. 3 days later and I still have not received a call. 

I tried multiple times via chat, XXXX and reddit to reach them. Nothing has worked. I've provided multiple verification documents, photos, and more yet the account is still restricted. 

We desperately need access to our funds that are stored with Robinhood. I've lost a ton of money on the stocks due to this, now we cant even access our cash that is supposedly in a secure savings account.
Product: Credit reporting or other personal consumer reports

According to section 605B of the Fair Credit Reporting Act, consumer reporting agencies are required to remove or block information that was deemed incorrect as a result of identity theft no later than 4 business days after the receipt of the dispute. 

My information was exposed in the XXXX data breach will resulted in accounts being opened fraudulently, Please remove these accounts asap. 

Attached is a copy of my FTC report and dispute letter.
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reported By : EXPERIAN Date Opened : XX/XX/year>
Product: Mortgage

I started the mortgage refinance process with Rocket Mortgage on XX/XX/XXXX. I gave them all required documents in one day and the loan was approved. On XX/XX/XXXX the appraisal was completed and sent to me within 2 days. I did not require any additional documents and still do not according to the mortgage dashboard. I spoke to someone Friday XX/XX/XXXX and she stated they are only waiting to do the employment verification and order the payoff. At this time my rate expires on XX/XX/XXXX and I explained to the lady on the phone I needed to close before this. I text chatted with a rep at the company yesterday XX/XX/XXXX and they stated there was an addendum from the appraisal company needed but I know they have everything they need because I received the final appraisal. I asked her to have her supervisor call me and I have yet to hear from them. At this point since customer service is so inadequate I would like my {$500.00} back for the appraisal and cancel my refinance. My new rate was going to be 1.99 % with a 1.5 % buy down. Its very suspicious that they could not get all documents prepared and closed by the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act United Auto Credit Co, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Mortgage

Im a retired operating engineer and a lifelong resident of the area. Im also an XXXX veteran, and I feel Im being mistreated by my loan servicer TD Bank. I have pension and Social Security incomes and I believe my income is more than enough to afford a reasonable monthly payment. 

Ive been trying to resolve this issue of default with TD Bank for over 8 years after inheriting the property from my deceased sister. On multiple occasions I thought the problem had been solved by a loan modification. However, TD Banks modifications have been deceitful and dishonest ( fraud? ) each time. As soon as I sign the loan agreement and TD Bank finalizes the modification, they send me a mortgage statement which shows the new terms ALONG WITH AN OUTSTANDING BALANCE!! Whats the point of having a loan agreement thats signed and notarized if TD Bank will immediately contradict it by claiming there is still an outstanding balance and the payment is almost a {$1000.00} more per month because of it?
Product: Checking or savings account

Received a call from wells fargo that my account was being hacked I believed the call because it had already been hacked twice before they said they were going to help me fix it they were in my account going through it and I thought it was an actual representative- it was not they took all of my money and now refuse to admit that I was a vitamin of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING. THIS FTC REPORT WAS NOT DONE WITH AN ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A XXXX XXXX XXXX THE PENALTY OF PEJURY.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today Date : XX/XX/ Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and INQUIRIES on my XXXX, Transunion 's And XXXX credit report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.