23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/ RMS send me a letter after I disputed the claims of the bill with XXXX XXXX after speaking to my insurance who assured most of the bills were not mine - they did not properly file claims with them or do proper adjustments - XX/XX/XXXX- claims were not paid because insurance requested corrected claims never got sent to them & over charged were charged for services not received They just sent statement of their records and not accurate or in compliance with insurance per my insurance - I have contacted insurance commissioners. I have called months with no return call from - XXXX XXXX - Account Disputes Manager - I have left several messages as well as my insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please remove this account ASAP.
Product: Checking or savings account

I had a citizens account that was inactive for around 2 months and they closed it without notice. As I wasn't aware of the account closure I sent myself a quick pay on XX/XX/year> from my XXXX  account to that account in the amount of {$40.00} I right away got a bounce back that it was canceled but with out a reason, so I tried again and it went through. Now when I tried logging in to my citizens account I saw that it was closed due to inactivity and I have no way to access those funds. I reached out to XXXX  and they told me that the XXXX  was processed on their end and the receiving bank accepted it so I need to call citizens. As I called them they told me that they never received it and that my account is closed so they can't help me. 

Now, I filled already a complaint through CFBP to which they responded that all do they received the money they will not release it to me, when I tried to replying the complaint was mistakenly closed as satisfied, but indeed I never saw my money back.
Product: Mortgage

Well Fargo will not/refuse to send the trms of my loan. While in bankruptcy, Wells Fargo agreed to do a modification with me. Bankruptcy lawyer agreed and I agreed, so I made the XXXX payments on time and continued until XXXX 2015 Wells Fargo stop taking my payment and could not tell me why, so now I have to file bankruptcy again because they are sceretly trying to take my home away from me. I am humilited, frustrated, and depressed. Is this the way they do business ; saying I was a fraud, is this XXXX ... what is this and why is this going on, again they are ruining my livelihood and my credit. The Home Preservation Specialist Department, I can probably name at least XXXX or XXXX if not more. They made a mistake admitted to the mistake and will not own up to it ; I have documentation. Am I an XXXX to them, well I think so for even doing business with them in the first place the whole department need to be fired and have dedicated workers that will work for the people, they are there for a paycheck not to help people. Wells Fargo gets up every morning " whose life can we ruin today ''. I have all ready faxed this information to you and since then I have received more documents. My home is not in foreclosure, but I have file for bankrupcy again. You all ready have these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

noticed some accounts opened that im not aware of without my consent anything reporting inaccurate or fradulent i ask that it be deleted immediately or it would be against my Fair Credt Repor rights. use my credit to support my family & myself i want to grow in life and this is really affecting me.
Product: Prepaid card

My edd bank of america card was stolen at first and used to get XXXX  and withdraw money that I didn't authorize and had to get replacement but was not reimbursed for the charges.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.
Product: Credit reporting or other personal consumer reports

Comenity Bank victoria 's XXXX has falsely reported XXXX late payments on my account to the credit bureau, when in all honesty i never used their credit card. i never had a payment to make but they called me and took payments. Upon asking they said they refunded my money back which is false. when i questioned more they said they adjusted the money in my credit balance.which i don't owe a single XXXX as there is XXXX XXXX credit usage on that account. upon asking they agreed that it's their mistake that they posted XXXX wrong payments and that i should send a dispute to Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and settle it. Which i did on the XXXX of XX/XX/year> only for the XXXX credit bureau to tell me that they investigated and contacted comenity bank and made changes to the account ( which is to remove those late payments from my credit report ) as they affect my credit worthiness and credit score. But, i don't see a single change. It is still the same. I contacted them regarding this and they said i should ask comenity bank to send them a report requesting that they are at fault and these late payments should be removed from account, but why me? i asked for an investigation and should transunion not do that? i agree and go back to comenity bank asking to provide my report and admit to their faults and change my report with transunion and they respond with i should be writing to the same XXXX XXXX XXXX requesting this? how many time do i keep doing this? if i am to keep a track of all communication and investiagtions, then what is whole point of my dispute? why can't people do their job? why is comenity bank not providing me or transunion the information? how many more months do i keep going back and forth asking for a resolution? how long do i keep waiting without buying a cr or a house or even rent an apartment? because this credit report hinders my ability to do any of this.
Product: Credit reporting

I attempted to investigate the information with TransUnion based on some new information I found where they had failed to comply with Section  609 [ 15 USC 1681g ] o f the Fair Credit Reporting Act and since I had filed a dispute within 120 days TransUnion would not accept my online dispute. To make sure it was n't in error, I tried it from a different computer and was given the same response. They are violating my rights to have these accounts physically verified as is my right under the law.
Product: Money transfer, virtual currency, or money service

I am unable to close my account and withdraw my funds from TD bank within a reasonable amount of time. In my experience trying to resolve this with TD bank, I was came across predatory practices that allow TD bank to withhold funds from customers. They have put many inconveniences, delays, and barriers that prevent customers from accessing funds in a timely manner. 

I wanted to close my TD bank accounts and had about {$22000.00} in there that I wanted to transfer out. I first tried to transfer the money through their website, but it said there was a 30 day rolling limit of {$5000.00}, so I called customer service to see how else I can access my funds and close the account. 

XXXX/XXXX/23 : I called TD bank, and explained the above situation to the representative. I asked them to close the account and issue me a check for the funds I still had in the account. They went through several inconvenient, unreasonable, and non-viable options with me : -they can only close my account if I had a zero  balance. But they could not issue me a check to zero my balance because the largest check they can send is {$100.00}. 
-withdraw funds by going into a bank : There are no TD banks in southern california where I reside. 
-withdraw funds using a debit card. This is much less secure than a online transfer, especially for substantial amounts of money. 
-withdraw funds using a check. It takes 2 weeks to order checks, compared to minutes or days for an online transfer. 
-request a wire transfer from my receiving bank : I have never heard of initiating a wire transfer this way, and tried going to two different banks, both of whom where unable to do this. This wasted time and effort. 

XX/XX/23 : Since the wire transfer did not work, I call TD bank again to discuss other options, but was told there was nothing else they could do, and that the limits are their for my own security. The limit for external transfers from TD is {$5000.00} every 30 days. This is very low. In contrast the limit for transfers in to TD is much higher, {$20000.00}. I was told that the limit is low because my external account hadn't been connected to my TD account for more than 90 days. That is a absurdly long amount of time to withhold a customer 's funds for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX has violated my rights. 

According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

15 U.S.C. 1681B ( 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 or other personal consumer reports

I contacted XXXX regarding a {$1400.00} debt created on through fraud using my social security number and most likely part of my name on or around XX/XX/2023. XXXX transferred me to their collections then to the fraud department. Each representative was being recorded by XXXX and by their own system and at each level was informed of the recording. The Fraud Representative with XXXX verified that the address I provided, my address for the past 7 years, was not in their system. He further verified he did not have record of my middle name or the phone number I provided. They are investigating but refused to provide me the name and information of the individual. I have filed a police report with the City of XXXX regarding the fraud that Comenity/Sephora facilitated by issuing credit to someone besides myself which has negatively impacted my credit score. XXXX Police Report tracking number currently is XXXX and the reprort was filed on XX/XX/2023. I attached the initial police report and a copy of the Esperian report for the file.
Product: Vehicle loan or lease

XX/XX/XXXX and XX/XX/XXXX payments for {$420.00} each cleared my bank account but never posted to my loan. I contacted Santander several times to assist me with this issue. I submitted copies of my bank statement at least 3 times but was told due to me blacking out other transactions that had nothing to do with this loan they were unable to use that document. I submitted once again an untouched statement for proof of payment. They state that they ran a search and they are unable to locate the payments referenced and there is nothing they can do. My credit report is hindered by this account and i am needing this to be updated and corrected.
Product: Debt collection

UNITED COLLECTION SERV XXXX COUNTY OF XXXX - XXXX XX/XX/2013 {$440.00} {$440.00} is holding information on my credit report that is not mine.
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have 8 unauthorized hard inquiries on Equifax. I called multiple times and they havent been removed. The credit bureaus are corrupt. XXXX  and XXXX  have removed the inquiries in a timely manner.
Product: Debt collection

Good morning, I would like to start to say that I got very sick on XX/XX/2017. there has been a numerous procedures that took place in XXXX XXXX hospital . I haven't been able to pay the part that my insurance didn't cover. 
I tried to work with them and every time the price goes up in my debts. every day they said accumulate interest. Offer to pay in portions and they said all or nothing and that I'm being sued. I haven't seen any bills, I paid other medical collections bills i don't want to pay the same bill twice. please help me. 
the Agency is Skagit Bonded in XXXX XXXX WA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an inaccurate and illegal report on my credit file concerning a vehicle repossession allegedly initiated by Lendmark Financial Services. This false report is a direct violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, which governs the accuracy and integrity of information furnished to consumer reporting agencies. 
Upon reviewing my credit report, I discovered that Lendmark has reported a repossession that is factually incorrect and without legal basis. This false report has caused significant harm to my credit standing and overall financial well-being.

Pursuant to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to ensure the accuracy of the data they report to credit bureaus. Additionally, under 15 U.S.C. 1681i, when a consumer disputes the accuracy of information, it is the furnishers obligation to investigate the claim and promptly correct or delete any information found to be erroneous. 
I demand that Lendmark Financial Services immediately take the following actions to resolve this matter : Delete Inaccurate Information : The false repossession entry must be permanently removed from all credit reporting agencies to which it has been furnished. 
Written Confirmation : Provide me with written documentation confirming the removal of the erroneous information. 
Compensation for Damages : Due to the harm caused by this illegal reporting, I am seeking punitive damages, as well as compensation for the financial and emotional distress suffered as a result of your actions. 
This matter has caused significant damage to my ability to secure credit, housing, and other financial opportunities. Your companys failure to comply with the FCRA constitutes a serious legal violation, and I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state authorities if my demands are not addressed promptly. 
You are required by law to investigate this matter within 30 days of receiving this notice, as stated in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to comply will result in further legal action to enforce my rights under the FCRA. 
Please direct all future correspondence regarding this dispute to my address listed above. I expect your written response within the required timeframe.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. 

Account name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account number : XXXX The consumer reporting agencies have and need to report on all information with complete accuracy. I'm now requesting these payments be updated to paid on time immediately. Thank you for your understanding
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit report, I discovered that I am a victim of identity theft. My identity has been fraudulently used to try to obtain credit. I have attached a list of these accounts and the inquiry dates for your reference. These unauthorized inquiries are negatively impacting my credit score and hindering my ability to purchase a home for my family. I request that these inquiries be deleted from my credit report as they do not belong to me and are the result of identity theft. Your prompt attention to this matter is greatly appreciated as I am in the process of buying a home for my family. Thank you for your assistance. 
XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX-XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX
Product: Debt collection

I noticed this account was showing on my credit report In which i disputed it with the credit bureau and it came back as verified. Although I have no clue on what could have been used to verify because I do n't recall signing a contract with IC System.
Product: Payday loan, title loan, or personal loan

Obtained a loan of XXXX $ on two gold rings from XXXX in XXXX Indiana. This is my first pawn ever so I am not familiar with process. I had to pay off by XX/XX/XXXX a total of XXXX . I went to pay off on XX/XX/XXXX but was not aware that I had to pay finance charge of XXXX . I was short and made arraignments to pick up the next morning after I paid the XXXX $ for the interest that had occurred. The next morning they said I owed XXXX $ more dollars plus the XXXX . I paid on time and even the next day XX/XX/XXXX I was still on time but the would not except my XXXX $ and give me my rings. They said it was the way payment was loged in system and payment could not be voided because it happened the prior day. This is wrong, very very wrong. Now I have to pay a total of XXXX $ on a XXXX $ three month loan in which XXXX $ is interest for another 6 months that I did n't ask for or need plus financial charge. Wrong wrong wrong. The literally just robbed me in broad daylight and since the have my rings I am powerless to do anything but pay it. When I asked if the XXXX $ is all I will owe in 6 months they replied " ca n't promise you that no ''.
Product: Credit card

Really, I want it credit card companies o have the same end of day as the rest of the world. Why are their cutoff times arbitrary if not to purposely to charge consumers fees? paid my balance in full and still I ended up with late fees because they said even though I made the payment on the due date, it was after XXXX CST and therefore counts as late. The system will automatically force to another day. I have multiple cards and there are at least 4 different time zones. I send ACHs all day and I can say that the random cutoffs is a moneymaking scheme used to maximize late fees and finance charges. Purposely tampering with and misrepresenting consumers information. What kind of nonsense is this?
Product: Mortgage

On Saturday, XX/XX/XXXX I received a letter from the county of XXXX for a " Delinquent Property Tax Statement. '' I contacted the mortgage broker at Cherry Creek Mortgage Company that did my transaction when I closed on this home in XXXX of 2018. XXXX had my loan from the date of closing until XX/XX/XXXX when it went to XXXX XXXX XXXX. XXXX never paid the first half property taxes that were due on the last day of XXXX. XXXX has taken the stance that even though they didn't pay the property taxes, the current mortgage service provider, XXXX XXXX should pay it because there is plenty of funds in my escrow to do so. 

The reality is I am apparently delinquent on my property taxes due to Cherry Creek Mortgage Company not paying the property taxes and outside of my contact who is a mortgage broker they do not appear to be working to assist this situation getting taken care of efficiently and effectively.
Product: Credit reporting or other personal consumer reports

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXXXXXX XXXX  Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Product: Debt collection

IE : Midland Credit As federal law, the FDCPA limits the methods a debt collector may use when attempting to collect a debt. If a debt collector materially violates a provision of the FDCPA, the aggrieved consumer could be entitled tostatutory damages of up to {$1000.00}, plus any actual damages. I AM DEMANDING A {$1000.00} PER CALL. And this is only from the beginning of XX/XX/2022. This collector has continually called and I have told them over and over to stop. Send paperwork. I have got hung up on and told thats not possible. I block the numbers and they call me from a new one.