23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX I received a notice from Credit Managemenet, L.P. on behalf of a debt owed of {$340.00} to the creditor XXXX XXXX XXXX dated XXXX XXXX, XXXX. I immediately called XXXX XXXX company to inquire about the notice because the amount on the notice and the information in regards to the notice was inaccurate. I spoke to a customer service representative ( Agent # XXXX ) in regards to my account and final bill. The agent stated that there was " in summary '' nothing she could do about it because it was handed over to collections. After 25 minutes of explaining the situation and problems with the account she deliberately muted my call and refused to speak. I then hung up the phone after allowing the phone call to elapse for 2-3 additional minutes. I then called XXXX XXXX back on XXXX XXXX, XXXX and spoke to a different customer service representative ( Agent # XXXX ). I requested to speak to a supervisor immediately and was not connected to a supervisor for 20 minutes after being on the phone with the above stated agent. There was a language barrier and it was hard for me to understand the agent and the agent to understand me. The agent repeatedly asked how could she help me with the account and I responded that she could help by connecting me to a supervisor. After 20 minutes I was finally connected to a supervisor ( Agent # XXXX ) to discuss the problems with my account. I stated to the supervisor that I had just RECENTLY CANCELLED my cable on XXXX XXXX, XXXX and I DID NOT RECEIVE a final bill from XXXX XXXX. I was extremely frustrated because I was n't given a final notice of the amount owed ( which was incorrect on the notice from the collection agency ), I was n't given an appropriate amount of time to pay the bill ( my cable had n't been off for a month ) and I received this aggressive letter from the collection company ( threatening to DESTROY my credit ) by reporting my account to all three collection beareaus if I did n't pay within 30 days. The supervisor told me that XXXX could not produce a final bill in writing until the end of my billing cycle which would come out on XXXX XXXX, XXXX and the actual amount I should be corrected to the ACTUAL amount due {$190.00}. However, I would have to settle my debt with the collection company and contact them for a final notice. AGAIN there was nothing XXXX could do because my account had been turned over to the Credit Managemnt Collection Company. On Friday, XXXX XXXX, XXXX, I called the collection company and they stated that NO CHANGES had been made to my account on behalf of XXXX and that I still owe {$340.00} to their company.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX*** Balance : {$0.00} 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 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: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed a few unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XX/XX/2023 Unauthorized XXXX XXXXXXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $
Product: Checking or savings account

I am filing a complaint about Wells Fargo. This had been an ongoing issue with me filing complaints about my Wells Fargo bank accounts. I had not received any resolution to this day. I have money missing from my bank account and I am unable to figure out each transactions amount. The money went missing within a three month timespan. This timespan is from XXXX to XXXX In the past Wells Fargo wanted to know the dates and amounts of all transactions of when, where or how the money went missing. If I did know the amounts of transactions that lead up to missing monies I surely and would greatly provide this information. I have read all of my banking statements online and I also had requested that Wells Fargo send my statements via postal mail. Nothing contained within that information has helped me at all. Every bit of the statements is vague and provides little to no information that would help me in locating these missing monies. Every complaint that I have made about this Wells Fargo provides the same exact response. Please provide us with dates and transactions amounts. Then their response ends up closing my complaint filed through the CFPB website. I have no way on earth to provide the information on transactions amounts. This was a gross error by Wells Fargo. Wells Fargo is the company that holds all of the records as in dates, amounts and where this money goes. Them asking me to provide dates and amounts of transactions would be beyond redundant. Asking me to provide them information of which I have no control over. I am at a loss financially and by them they keep brushing me off and trying to allow me to either give up or pass the time and go past the statute of limitations. Also I started out as a XXXX banking customer. Then sometime after Wells Fargo had taken them over and imposed their rules without my personal consent.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX XXXX {$12000.00} ; XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3500.00}.
Product: Credit card

LVNV FUNDING ( XXXX XXXX XXXX XXXX ) in the amount of {$460.00}, account opened XX/XX/year>. I am requesting that this item be removed as I am the victim of identity theft.
Product: Mortgage

Trying to do a settlement on my mortgage because Oc wen/PHH would not modify my loan. 
I made an offer of $ XXXX with a IRS XXXX if needed. we worked on the Settlement from XXXX we had one appraisal in XXXX and one appraisal in XXXX. 
They told us we had to XXXX XXXX, we must get another appraisal. 
All of this is ok but we realized there is a Sale date schedule for XX/XX/XXXX while we are working on the Settlement. 
The first Appraisal was {$200000.00}. ( XXXX ) The Second Appraisal {$220000.00} ( XXXX ) The house needs {$190000.00}. in repairs listed in the appraisal. 

We need time to finish the Settlement. Please stop the foreclosure Sale. 

We never received a notice of the sale from the bank or the bank 's attorney. 
We found out through a person trying to get me to hire them to help me.
Product: Debt collection

To whom it may concern. XXXX XXXX XXXX has continued to try and collect a debt that does not belong to me, and has failed to give me proper notice of this alleged debt. I have continued to contact FREDERICK J. HANNA & ASSOCIATES, PC. concerning their illegal debt collection practices. Now they have submitted a summons of continuing Garnishment. This is the second case and they dismissed the first case. I hereby request that you contact this law firm, that is collecting an illegal debt, on behalf of XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX, XXXX & gt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Mortgage

The primary reason for my complaint is that Chase Mortgage, who is the servicer for my loan ( # XXXX ), is in violation of dual tracking. Chase has notified me of a foreclosure date of XXXX XXXX, 2015, while I am in active consideration for a modification. I have submitted my full application for a modification on XXXX XXXX, 2015. They requested additional information, which I sent to them on XXXX XXXX, 2015. I received a letter on XXXX XXXX, 2015 notifying me of a foreclosure sale date of XXXX XXXX. I called and spoke to a customer assistance specialist at Chase on the XXXX of XXXX. They explained that the information I submitted needed to be resubmitted with some corrections, which I immediately corrected and faxed back to them on XXXX XXXX. I also questioned why a foreclosure sale had been scheduled when I am in active consideration for a modification. The specialist told me that once they had everything, the application would be submitted to underwriting and that at that time the sale could be postponed. I have submitted several modification applications with this lender. They have repeatedly made errors in processing the modification and in calculating my income. The lender is a private lender ( XXXX XXXX XXXX Bank of XXXX XXXX, CA ) and does not participate in HAMP. They do however ; supposedly have their own modification program. My goal is to avoid foreclosure and to secure a modification. If that is not possible, then I would like to have time to pursue a short sale.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

OppLoans is deceptive and has misleading Trade Practices with XXXX ( XXXXXXXX XXXX  ) out of XXXX where there is no cap on interest. In XXXX, we contend that XXXX XXXX is the true lender on the loans ; that the loan agreements are governed by XXXX and XXXX law. The interest rate is high everywhere based on the market, according to OppFi. And in XXXX and Illinois, its also illegal. Here the maximum rate caps out at XXXX % and XXXX % in XXXX, its principal place of business of Opp Loans is in XXXXXXXX XXXX 
Yet Opportunity Financial continues loaning money at XXXX % APR, both in states where its legal and in states where its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to Equifax on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this account will be corrected. 


XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. my complain is Paypal close my account for no reason, I work well for that money and then close it just like that. if you could help me access that account again that would be so much help to me and my family. this is my Email Adress XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XXXX XXXX and requested that this information be removed and/or corrected. As of XX/XX/XXXX this information continues to appear on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream is hereby known as The Company. XXXX XXXX is hereby known as The Consumer. The Company has continuously violated The Consumers consumer rights and used stall tactics to prolong its efforts. On 3 separate occasions ; XX/XX/23, XX/XX/23 and XX/XX/23, The Consumer requested copies of his updated consumer report. As of XX/XX/23, The Consumer still has not received a copy of his consumer report. The Company claims to have mailed the correspondence to the consumers address but can not confirm any proof of mailing. The Company also responded to the previous CFPB COMPLAINT ID XXXX with an un-clickable pdf file on XX/XX/23. The CFPB was notified by The Consumer about the un-clickable link by phone and was able to read the complaint response and confirm that the disputed information had not been addressed.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX 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 and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was notified on XX/XX/XXXX that I am behind {$10000.00} in my taxes through my escrow account. My mortgage company says they did not pay any of my taxes and I have to repay them. Also, in XXXX of last year they sent me an overpayment escrow check in the amount of {$3000.00}. When I received it I contacted my mortgage company to inquire if this was legitimate. They explained that this payment represents an escrow overpayment and that the check was mine free and clear. I was just advised that they want me to repay the {$3000.00}. Up until today, ( a year later ) they are just letting me know this. Their response is that, " we made a mistake but you owe us the money. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Equifax, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Equifax has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX have 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.
Product: Debt collection

CEASE AND DESIST NOTICE via CFPB I REFUSE TO PAY ANY DEBT REPORTED TO EXPERIAN! 

You must delete personal AND False information report to Experian from account XXXX, Names : 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 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 Employment XXXX XXXX XXXX YEAR OF BIRTH : XXXX PHONE XXXX XXXX XXXX SPOUSE OR CO APPLICANT : XXXX Your company has repeatedly reported false information on account XXXX, claiming that I owe debts under report number XXXX for XX/XX/XXXX. I do not believe that I owe these debts in pursuant to 18 U.S. Code 8, and I have disputed it and allowed you appropriate time to show evidence of these debts to be valid, but you have disregarded these repeated requests to validate the debt. I did not request verification! I demand that you do not confuse Validation for Verification.

Such conduct from your company has caused me to suffer severe financial harm. humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding these debts. 

I demand that you cease and desist from this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating the XXXX XXXX account from your records, discontinuing and retracting reports to your credit reporting system, and ceasing any and all communications to us by mail and otherwise. 

If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 

Kindly govern yourself accordingly. 

Respectfully XXXX XXXX XXXXecured Party Creditor, Attorney in Fact Without Prejudice,