23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am working with a Credit consolidation company ( XXXX XXXX ), so I put stop payments on XXXX loan companies that I borrowed with since they were charging me outrageous interest ( 799 % ). 

I notified the bank of my situation, and they suggested I stop payments on my checking account. I stopped payments from my account XXXX weeks before the money was supposed to be withdrawn ( XXXX XXXX ). But my bank failed to stop the payment from coming out. 

They played a recording saying that they are not at fault if the money is still taken out, but I could have gotten better guidance from the bank. I could have taken the money out the bank so that there was no money for them to withdraw. 

I called the bank every day for the last 2 weeks, and they said that I should have gotten the money back in 5-7 days. It's been almost 2 weeks, and I Still haven't gotten that money back. I called today and they told me that the payment is processed, and they can't do anything. I was given 100 % guarantee by BMO main office that I should be getting the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts, as I am a victim of fraud from a data breach from XXXX. I asked them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all according to the FCRA regarding Identity Theft. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 

XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

1 ) Provide breakdown of fees including how you calculated what you claim I owe.

2 ) Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

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. 

XXXXXXXX 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

Equifax is reporting inaccuracies on my credit report regarding XXXX  XXXX XXXX  These inaccuracies are not on my train union nor my experience also, they are clearly violating my laws the the FCRA EQUIFAX is legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting of consumer information. L as the consumer, have informed EQUIFAX that all the inquiries reported were fraudulent. According to the law, once a Federal Trade Commission ( FTC ) fraud report is filed, EQUIFAX is required to remove the disputed items from the report within four days, pending investigation. 

15 U.S. Code 1681b - Permissible purposes of consumer reporis o 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 instruclions of the consumer to whom it relates. 
They need your written consent lo add anything to your consumer report if you did not give i violation of the Fair Credit Reporting Act this authorization, AND SPECIFICALLY TOLD THEM THAT THEY DONT HAVE IT, that is a
Product: Credit card

There was a fraudulent transaction on my Barclay 's master XX/XX/2023 from the merchant XXXX for an amount of {$520.00}. I disputed it and the credit card company first removed it from my statement and then eventually added it back saying the merchant provided them with some information saying it was me who ordered from them. 

My XXXX account has not had any orders in the last year so I never placed this order. I called Barclay 's mastercard a 2nd time and they said they'd start an appeal process and gave me a case ID but they haven't done anything about it. I feel like they're giving me the runaround to avoid having to remove the fraudulent transaction. The case ID is XXXX. 

I then called XXXX and they said someone used my information to place an order for 3 insinkerators and got it delivered to a different address ( not my address ). This sounds like regular fraud to me but Barclay 's mastercard is somehow stalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I formally requested copies of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I let them know The listed account is entirely inaccurate and incomplete ( SEE ATTACHED HIGHLIGHTED REPORT ), and represents a very serious error in their reporting. I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office for noncompliance. 

I further reminded them that they were not in compliance as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of certified letters may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681a ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Product: Debt collection

Failing to send you notifications Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes reporting a debt as charged-off when you settled it or paid misstating the balance due Mixed Files Debt Dispute Violations correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) NO MORE TIME THEN THAT TIME FRAME notify every involved that you dispute the debt Privacy Violations CRAs can not release your credit report to just anybody. 




Remedies If any of these three types of entities ( credit bureau, creditor, or information user ) violated your rights under the FCRA, you might be able to sue them in state or federal court for damages. 


Furnishing and reporting inaccurate information A creditor, much like your credit card company or loan collector, should not be knowingly supplying incorrect information to a CRA. 

Some examples of inaccurate information that could be supplied to your CRA include overstating or misstating total balances due, reporting a debt that has been paid off as a charge off, reporting payments paid on time as late or mistakenly listing you as a debtor on an account. 

Bottom line : CRAs need to respond to filed disputes in certain ways, and not following those procedures could violate the FCRA. 

Bottom line : Creditors or CRAs failing to update your credit information ( which should be kept as up-to-date as possible ) violate the FCRA. 


Mixing files In some instances, a credit bureau can mistakenly mix your file with that of another debtor with information similar to yours, like a shared last name. This violates the credit bureaus obligation to report accurate credit information about every borrower. 

Mixed file violations include combining credit information of people with similar names living in the same area, such as if there are two people named XXXX XXXX who live in the same zip code, or not including XXXX, XXXX, XXXX or other differences for people Bottom line : Its possible mistakenly mix credit information of two people with similar information, which violates the FCRA if not remedied.

The right to dispute inaccurate/incomplete information Any inaccurate or incomplete information found in your credit file that is reported to a CRA must be thoroughly investigated by the agency.
Product: Checking or savings account

I have had two erroneous charges from a hotel in the XXXX. This hotel was paid for in advance by XXXX XXXX XXXX XXXX has confirmed this. 
The merchant XXXX XXXX XXXX XXXX XXXX XXXX said they have processed refund but instead they have erroneously charged the bank card twice for the prepaid stay. They are saying they have processed refund but that my Bank is not refunding. there was a charge on XX/XX/XXXX and Pending also charge on XX/XX/XXXX I have two erroneous charges now totaling over XXXX dollars combined. 
Wells Fargo is no help they have refused to provide me with the foreign currency purchases. Wells Fargo Bank refuses to give any information on the actual foreign currency amount. I have had transactions in foreign  currency submitted by foreign merchants and Wells Fargo refuses to gives the foreign currency amount charged by the merchant and what Wells Fargo currency conversion rate is they will ONLY provide US dollar amount that does not correlate with foreign merchant purchase in local currency. I have no way to check with any foreign transaction if I have been charged the correct amount. The agents are rude and obstructive and hang up on customers. I have no way to get this issue with the erroneous charges resolved because the merchant charged in XXXX XXXX XXXXXXXX and Wells Fargo is only saying they have information in dollars. How can Wells Fargo be denying me access to the foreign currency amount charged by the merchants. These transactions were processed in a foreign currency. Wells Fargo is deliberately hiding the exchange rate and denying customer ability to see actual transaction. I need these erroneous charges disputed. Wells Fargo is making this impossible.
Product: Debt collection

Credence resource manage XXXX They have been contacting me repeatedly at work, on a work number that isn't in my name. 
I have asked them several times now to stop contacting me at work, to contact me via mail, to provide me with proof that this is my debt and that they own the right to collect this debt. 
They state that they are unable to send me anything in the mail unless I agree to a payment plan and that it is impossible for a fraudulent account to show up on my credit report.
Product: Mortgage

Hurricane Irma Storm Damage Had to sue insurance company to obtain funds. 
Settlement check was issued out to myself and Fay Servicing Repairs started by contractor Initial partial payment released from restricted escrow account to start pay contractor Fay Servicing wanted inspection at 50 percent completion, but has had multiple excuses why an inspector can not be sent.

Now project is at completion, Fay servicing still has not sent an inspector, states it may be another week and then another week to release funds. 
Contractor was to be pain 1/3 at start 1/3 at middle and 1/3 at  completion. 
Project will be competed but Fay servicing is refusing to send inspector or release funds
Product: Credit card or prepaid card

I noticed before XXXX, XX/XX/XXXX, that my ( approximate ) {$3000.00} Account Balance at WALMART was not decreasing, so began making larger-than-minimum payments of {$100.00}, so as to hopefully see a decrease of that debt.. Then, when I made my XX/XX/XXXX, payment of {$100.00}, I noted that the interest charged was {$47.00}, and that a " Card Security Fee '' of {$50.00} was being added - the two working together to wipe out my payment! I do not remember authorizing this latter debt, but had it cancelled immediately, on XX/XX/XXXX. Meanwhile, my new WALMART bill for XX/XX/XXXX, has come and is due. It shows my last payment of {$100.00} was charged a total of {$55.00} - well OVER HALF of my payment. THIS IS OUTRAGEOUS! My wife had a serious XXXX in XX/XX/XXXX. She will be XXXX next birthday, and I will be XXXX. We have struggled to pay all bills, and have had to dig deeply into our life savings to make ends meet. Let everyone know that this treatment is from an All-American company ( WALMART ), which made its great success based on being " Consumer Friendly ''. Fifty PLUS % interest is hardly " Consumer Friendly '' - and my new XX/XX/XXXX Account Balance still remains at {$3000.00}. ( On my XX/XX/XXXXbill, there was also a totally unexplained " Interest Charge '' of {$1.00} for " Quick Cash ''. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and other credit report companies has reported wrong loan amount totaling more than {$40000.00} on my credit which is wrong. I have already paid the balance in total as per my previous submitted complaint XXXX & XXXX
Product: Debt collection

Interstate Collections continues to call me for a debt from a person who does not live here. They have been told multiple times to stop calling here, but they continue to harass us.
Product: Credit reporting, credit repair services, or other personal consumer reports

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD 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. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES.
Product: Credit reporting or other personal consumer reports

I have a complaint and would like to file a complaint. I disputed negative items and errors on my credit report, XX/XX/year>. however, during and after the dispute process my accounts were not marked as required by law under Section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). This illegal misdoing entitles me to up to {$1000.00} in damages as well as all future attorney fees covered should a civil complaint follow. Also according to the Federal Credit Reporting Act, all credit bureus are subjected to and required by law to accurately and timely investigate disputes. Credit Bureaus are required to mark disputed accounts, not doing so is illegal. 
I have attached photographic copies as proof my disputes were not accurately and timely marked as required under Secion e ( 8 ) of the FDCPA.
Product: Payday loan, title loan, or personal loan

I have a loan with Mobiloans LLC which I have given 16 bi-weekly payments totaling {$2100.00}. It recently came to my attention that Mobiloans LLC is owned by the XXXX XXXX XXXX of Louisiana and it does not have a license with my state, the state of California, so my loan is illegal and void. I sent them a letter explaining this issue and told them I would pay only the principal balance and not the fees. Adding all my payments together I have overpaid my original loan of {$1000.00} I took out in XX/XX/XXXX plus the the additional loans of {$600.00} in XX/XX/XXXX, {$200.00} in XX/XX/XXXX and {$200.00} in XX/XX/XXXX. In the letter I stated the overpayment, asked to have acknowledgement that my loan is paid in full and my account updated to reflect this and then closed. I also asked for a refund of my overpayment and told them of my revocation of ACH authorization as well as no contact by phone to my home, cell phone, or employment, or my references for the loan. They responded with generic responses and then said Mobiloans LLC ownership by the XXXX XXXX XXXX of Louisiana is governed federally and does not need a license to operate in any given state and that I still have a balance of {$1400.00} which I need to pay. With the outrageous fees that they charge and every payment I have made, I want them to consider my loan satisfied in full because my loan with them is illegal and void and I will only pay the principal which I have. My last payment to them was on XX/XX/XXXX for {$120.00}. For example, for this last payment of {$120.00} only {$35.00} goes towards the principal the rest is all fees.
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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 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: Credit reporting or other personal consumer reports

I called organization numbers that was on credit report to have those items removed from my credit report.
Product: Debt collection

I never receieved information regarding a debt validation document that confirms the debt could be collected by the agency and also in my residing state.
Product: Debt collection

I am presently on XXXX and stationed at XXXX XXXX XXXX. In XX/XX/XXXX I came under XXXX to the state of XXXX. I then notified my apartment my non renewal of lease due for XX/XX/XXXX. I also call XXXX ( XXXX ) for cancellation of my utility, as i was moving my family from the state of XXXX to XXXX. Months later I began to receive collection letters, and harassing phone call from Virtuoso Sourcing group. A collection company based out from XXXX Colorado. 
I in turn reached back to both XXXX and XXXX and turned in all backing documents to show fraudulent billing. I sent them my hotel bills showing me and my family stay pending the readiness of my lease. I also sent them my XXXX on reporting date to XXXX. All this have been proved abortive and I am still been harassed everyday. The worst situation I am confronted with is their constant negative report on my credit. I am confronted with a situation of fraudulent billing and destruction of my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with SYNCB/XXXX, Walmart or XXXX XXXX XXXX I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 Section 602 A : states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Credit card

I am disputing the collection account with LVNVFUNDG account number XXXX, dated XX/XX/year>, with a balance of {$730.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXXLVNVFUNDG provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$0.00}
Product: Mortgage

XXXX XXXX is continuing her same old abusive servicing practices she was ordered to Cease and Desist in doing on, XXXX XXXX 2017.