23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received 2 letters in the mail from Tenaglia & Hunt PA saying that i was being sued for {$5700.00}. Since then i have called their office multiple times and left voicemails.. I still have yet to hear back from one of their attorneys. I truly don't understand how this place is still in business considering they NEVER answer the phone or return my voicemail messages. Multiple people have complained of this issue as well. I just want to get this settled without going to court.. unfortunately, this is the worst experience ive had ever
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX 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: Mortgage

Refer to complaint ID XXXX Dated XXXX Received a letter from Loan Depot XXXX see attached Received a check for {$50.00}, stating a check back on a late fee, this will not suffice for total owed to me, refer to complaint ID above. NOTE : I did in fact pay the last month mortgage payment late ( XXXX suggested at closing the amount of payoff would reflect the last months payment, with late fee. Keep the cash on hand, " pay the late fee '', {$50.00} vs {$1300.00}, no brainer! Check copy attached I am not depositing the {$50.00} check. Check sent in error. 
Letter from Loan Depot XXXX still need more time to " research ''. How long do I need to wait? My XXXX keeps stating the Loan Depot owes ... ... ..I am owed {$6000.00}, difference of cost paid and closing vs. cost of payoff, see attached docs from ID XXXX. 
I ask you? How long of a wait should a paying consumer wait?
Product: Checking or savings account

I have multiple accounts with Chase. Recently I closed an account because of an issue with a vendor that continued to charge an account once service had been cancelled. However, Chase is not giving me access to the transactions or statements. They state that they no longer have to provide that information to customers once an account is closed. However, it was closed on XX/XX/2022 and this information is required for tax, financial, and other regulatory filings. A bank can not refuse to release customer financial statements or details to a customer upon request.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 

XXXX XXXX Balance : {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} DATE OPEN : XXXX XX/XX/XXXX Balance {$0.00} DATE OPEN : XXXX
Product: Debt collection

I sent dispute letters to the bureaus and they stated the account was verified but never explain how.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$9100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been trying to collect the funds in my deceased mothers IRA account since XXXX. I have made at least 3 attempts and have been told it will be sent either today or the following day. It is becoming obvious that people are lying and this company does not want to pay out this money. I called today XXXX and was told again it will be paid tomorrow, the exact same thing I was told 10 days ago on XXXX I was told this about 2 weeks prior to the last date. I have complied with all their requests and have been told there is no problem with the account. They simply will not send me my money and either give me wrong information or are lying.
Product: Debt collection

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 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, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote to XXXX, Equifax, and XXXX requesting an investigation into items that I believed were INACCURATE, and OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Product: Credit reporting or other personal consumer reports

I made a complaint with XXXX and this was their response : Our records also confirm that while the last successful payment for the account was received in XXXX of XXXX, an internet payment in the amount of {$450.00} was posted to the account on XX/XX/XXXX, but was returned unpaid due to nonsufficient funds. It is also noted that your account went delinquent for the first time in XXXX of XXXX. 

XXXX is reporting that I was late in XX/XX/XXXX. The last payment I sent was in XX/XX/XXXX. This inaccurate reporting is negatively affecting my credit. Equifax is reporting this inaccurate information. This is damaging my credit score and I am unable to purchase a home due to this inaccurate information. I am attaching a copy of my credit report that shows that if the tradeline is removed, my score will increase so that I can purchase my home. According to the Fair Credit Reporting Act, Equifax must report accurate information. I am attaching a copy of what a credit simulator demonstrates my credit score would be if the XXXX account is deleted from my history. The account is due to be deleted by XX/XX/XXXX anyway.
Product: Debt collection

This account was a joint loan with my daughter, who told me years ago that this account was legally paid for less than full balance. in fact, she assures me the account was first reported as a {$0.00} balance, then the following month, completely deleted from her reports! Yet they still claim to be trying to collect a debt from me! They've called my office despite me begging them not to, and when I disputed the account to the address listed on my XXXX   report, the mail was returned to me. They have caused me an amazing amount of emotional hardship, I've nearly lost my job for taking " personal '' phone calls that were in fact Deville Asset, and now they keep bothering me DURING A NATIONAL PANDEMIC!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020
Product: Debt collection

Genesis card services has called me from so many different numbers, they will call repeatedly up to 11 times PER DAY, as well as calling BEFORE XXXX, or AFTER XXXX. Some of the numbers they have used to call me include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and those are all phone numbers Genesis Card Services has repeatedly called me from just in the last 4 weeks. They will also call back to back, sometimes even 3 times in a row, they have filled my voicemail several times with long messages that are silent and no one is talking, I absolutely can't stand being harassed like this anymore. Please help me and make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows should be reported until XX/XX/XXXX, but I believe there were no payments made before charge off since mid XXXX. XXXX credit report from XX/XX/XXXX shows account closed mid XXXX and closed in XXXX with no record of any payments. I disputed this with XXXX and they deleted the reporting of account XX/XX/XXXX. Dispute with XXXX currently. Disputed with XXXX with result of only balances updated and starting reporting charge offs monthly since dispute. No info in dispute from XXXX  about why not deleted as last payment associated with charge off from XXXX. I just tried to start a new dispute with XXXX about same account, same reason and XXXX online says that I can't submit second dispute on same account, so I uploaded a copy of the credit report from XX/XX/XXXX, showing no payments made in XXXX or XXXX and account should be too old to report now, XX/XX/XXXX, not XX/XX/XXXX. No place to add comments on the upload, only transfer of file, which was the XX/XX/XXXX credit report for XXXX. The account also showed XXXX dollar payments for a period a few years, which didn't happen, and even if did they didn't update the balance. So many errors for this account on all bureau reports, only XXXX deleted account. This account needs to be completely deleted now. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to all three  credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from neither of the credit bureaus from my disputes about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i called before the credit was being accessed. Please remove these inquiries from all 3 of my reports. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I purchase a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXMy Salesperson was XXXX XXXX. The financial person didthe additional fees to make payment each month on my loanwith Consumer Portfolio Services, INC ( CPS ) locatedXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX went to make my XXXX payment the customer servicerepresentative that you have to {$12.00} for each paymentI informed her that no one told us that. On the statementthat was mail to us, it does n't say nothing about any feesI told her that was wrong for your company not to informedthe customers of this fee before signing the loan or on the statement. I had to transfer additional funds in the amount for this. If you pay online itsa {$12.00} or over the phone. She informed that it 's not on thestatements, only when you call to make your payment we letyou know about the fees. I called the XXXX XXXX, themanager at XXXX to let them know this is not rightthat CPS have hidden fees with my loans. I told him thatI told XXXX XXXX my budget, due this additional fee I wentover my budget to make payment on my car. I was mad Ithink this is a way to get over customers. On XXXX XXXX, XXXXXXXX. XXXX called CPS to asked them if something can be done, customer servicerepresentative said no, this the way CPS let customerknow about any fees. The dealership was not aware of theseany additional fees. I told the customer service Rep thatother companies have the fees on the statement why CPSdo n't do that, she said this is the why we do things. I told herI told I left over XXXX messages for a manager to call meregarding this matter, NO ONLY never called me back. 
her I was going to report this to XXXX State Attorney Officethis is so wrong, please look into this. I saw that investigationon XXXX and XXXX for the same thing. Please go afterthese people.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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. 

TRANSUNION 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! 


Update the late payments from my consumer reports
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 XXXXXX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX 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: Money transfer, virtual currency, or money service

Hello. 

I booked a vacation rental in XXXX, XXXX that I discovered on XXXX The listing on XXXX directed me to this website. XXXX XXXX XXXX 

Through this website I inquired about the vacation rental I was interested in. I received a response. I was told the property is available and that I needed to transfer the full amount of the rental in order to secure the booking. Because this was through a XXXX booking site, they only allowed direct bank transfer. I used a site called wise.com to transfer XXXXXXXX euro into the account information provided. XXXX XXXXXXXX. I then received a confirmation of the booking. Also I was told I could cancel up to 24 hours before the booking.

When I tried to access the listing a few months later, it was completely gone. When I canceled the booking, I never received a refund. When I tried to contact the agency XXXX XXXX XXXX  I never received a response. 

Upon further inspection, this website is clearly fraudulent. Listings and descriptions dont match locations etc etc. They bate people through XXXX with the lure of a cheaper booking on their website. They further incentive the booking by allowing for a generous cancelation policy. 

I have reported this website and fraud to the US FTC and a local police precinct in XXXX, XXXX. 

I used Wise.com to transfer the funds to XXXX. One payment from my US checking account and one payment via my us XXXX credit card. 
I have requested that wise request a return of fund from your bank, but they do not seem able to do this. 

I will attach documentation of all related transactions. Email communication and police report. 

This website is still active and likely continuing to steal money from people. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon reviewing my personal credit report, I have discovered several inconsistencies that could significantly affect my financial standing, particularly my chances of owning a home. While I understand that errors can occur, it is crucial to address these inaccuracies promptly. I have researched the dispute process and noted that an investigation must be completed within thirty days. I am perplexed as to how this account was verified by your bureau, whereas XXXX and XXXX have successfully removed it from their records, citing an identification error. Therefore, I kindly request the immediate deletion of this account from my credit report as it is inaccurate, erroneous, incomplete, or unverifiable. I would like to draw your attention to the following error : XXXX XXXX DATE OPENED XX/XX/2006 BALANCE {$46000.00}. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.