23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account # 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
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX ARC Management Group {$2200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt  caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARC Management Group {$2200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Debt collection

XXXX XXXX was sold to crown asset management. Attempted to email and call Crown Asset management with multiple daily voicemail and email attempts to resolve debt. I have received no correspondence from the reported collection agency. I would like to resolve this matter and have it removed from my credit report. I have not been able to get in touch with anyone who represents crown asset management
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three ( 3 ) late payments from XXXX XXXX reporting on my credit file from XXXX, XXXX, and XXXX of 2018. I set up automatic bill pay through my local bank, XXXX, however, the payments were not processed due to bank errors. 

Since these late payments were caused due to errors by my bank, Im requesting the late payments be removed from my credit file. 

Attached is a letter from XXXX XXXX  for supporting documentation.
Product: Mortgage

Wells Fargo is trying to unethically foreclosing on a property! 

XXXX XXXX, XXXX, I sent a cashiers check from XXXX XXXX for {$5500.00} to catch up on the mortgage of my deceased mother 's home. 

A few weeks later I was told by a Wells Fargo rep funds had been received but now the check disappeared & funds were never applied to the account. I want to stop the foreclosure & pay the remaining mortgage. 

Details - This problem is the result of two financial institutions acting improperly. We didnt know we were behind until I called Wells Fargo because of stopped statements. XX/XX/XXXX, I called & ask why no statements. I was told we were over {$4000.00} behind. I let the rep know I had not been aware due to NO statements & I would send funds. I asked statements to be sent so we could keep up with account & for automatic payments to begin again. I was told everything would be taken care. I had my credit union cut a cashiers check for {$5500.00} & mailed it XX/XX/XXXX. 

I found out XXXX XXXX XXXX XXXX took the payoff of mothers car from her account without authorization leaving the account without funds for the mortgage. This caused the missed payments. 

I still was not receiving statements so called a few weeks later. The rep assured me yes, everything was great. Check was received, account was fine & I should be getting statements soon. 

Next I heard from Wells Fargo was paperwork to foreclose. 

THIS is why Wells Fargo is foreclosing : -Mortgage amount due {$27000.00}... 
-Property tax value {$160000.00}... 

If I had been receiving statements all along, I would have known about problems. No suprise... the Wells Fargo rep lied to me. She knew I was not receiving statements and would never would. 

ONLINE ARTICLE. <<<Why Did They Stop Sending My Mortgage Statements After Bankruptcy? 

https : XXXX XXXX home mortgage lenders who send monthly statements to their borrowers will stop sendingstatements once a bankruptcy is filed. They will stop withdrawing automatic payments from your bank account. 

They claim sending the statements and withdrawing your funds might be seen as a violation of the bankruptcy automatic stay on collection and they dont want to run afoul of the bankruptcy law. >>> My mother passed away XX/XX/XXXX. We kept her accounts for payments but her credit union removed funds. 

Wells Fargo is known for unethical treatment of senior citizens. I went to a branch & was told a different story. In XXXX, the account was in " pre-foreclosure. '' I had proof from of the cashiers check but I was called a bad debt & they never got a check. 

I wish to pay off the mortgage & have no more business with a company who preys on XXXX XXXX.
Product: Debt collection

garnished my bank account in XX/XX/XXXX S.S.A. funds.XXXX then snatched my wife 's State income tax XX/XX/XXXX return under joint return injured spouse w/o me having any income at all.This has been going on for 16 years.every 8 years they claim I make a payment to them admitting this debt.going to some judge and gettihg an extention on collection.Ido n't know who the debtor orginated with only STENGER/STEGNER are the liars persuing this.pubic action
Product: Debt collection

I am writing to request verification of a debt that your company claims I owe. I received a notice from you on [ date of notice ] regarding this debt, but I need more information to confirm its validity.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a breakdown of any fees or interest.

3. Documentation proving that I owe this debt.

4. Proof that your company is authorized to collect this debt.

5. Was there an insurance claim on this debt from original creditor.

6. Was this debt written of as a loss on taxes from original creditor?

If you are unable to provide this information, I request that you cease all collection efforts and remove this debt from my credit report.
Product: Credit reporting or other personal consumer reports

My accounts were 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.

Those companies 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 am a victim of identity theft through XXXX data breach. Attached is a copy of my identity theft report with all fraudulent inquiries listed. It is against consumer law to report fraudulent accounts and inquiries to consumer credit reports. 


Fraudulent TransUnion Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Lured by attractive terms ( i.e. no foreign transaction fees, no annual fee during the first year ), i opened a Barclays card in XX/XX/2020. Shortly, i received and activated the card. IF Barclays had signed me up for a different card than their offer to which i responded, Barclays NEEDED TO NOTIFY MEnot in a small pica footnote, but prominently enough for me to re-consider opening the card. Barclays did not. I used the card shortly thereafter while traveling abroad. 
Since my monthly payments were on AutoPay, my initial payment included the {$99.00} erroneous fee. Recently seeing what had happened, I phoned Barclay 's " customer service '' line twice, but BOTH times the Barclays system dropped my call. After one hour ( on those two calls ) i was able to accomplish NOTHING, even though the second Barclays agent correctly repeated my phone number and promised to call back if we were disconnected. He never did. 
In response to my demand letter, Barclays refunded the credit balance on my account but refused to refund the {$99.00} fee i should NOT have been charged. In closing the card this morning, Barclays agent XXXX confirmed that Barclays internal records reflect that my account was indeed a non-annual fee account for the first year. 
I now see in searching reviews of Barclay cards that this bait and switch technique is fairly common with Barclays. You apply for one card with certain benefits, Barclays sends you a lesser card and FAILS to note WHATSOEVER that the card they sent is NOT the card you applied for. This deceitful operating procedure MUST BE STOPPED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for XXXX XXXX is alleging a line of credit for XXXX dollars. The contract does not bear my signature and contains incorrect banking iformation. It is an unauthorised loan that was created to scam me after paying a payday loan
Product: Debt collection

Multiple times per week for the past 2 months we have received automated calls from Penn Credit ( based on caller ID, as they never state their name on the message ) stating " we have a personal message for you. Please Press 1. I did not hear your response. Please Press 1. '' This goes on several times before they 're machine ends the call. 
We have perfect credit and do n't owe anyone any late or unpaid debts. I 've XXXX this company and see that they harass as part of their regular MO. Please have them stop calling. Thank you.
Product: Credit card or prepaid card

Overpaid my credit card almost {$1000.00} on XX/XX/XXXX and called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and today XX/XX/XXXX. I immediately requested a refund when I realized I overpaid the amount from my BOA DEBIT CARD TO MY BOA CREDIT CARD. At first I was really understanding and I would have been if they didnt waste more of my time and kept lying to me saying I would get a refund in XXXX days and then a month and then two statement cycles and then XX/XX/XXXX. Im just over it. I told them I would get all my money and transfer to chase after they refund my money. The guy on the phone who I spoke with today couldnt even give me a date on when I would be getting my money refunded to my debit card
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Tranunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies trans union XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in recent light of CFPBs lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting certain issues, my financial institution and Zelle failed to investigate the my claims adequately. I was Informed lost funds were not able to retrieve again and tracking the the lost funds was not possible. The CFPBs findings indicate Zelle has failed to protect its consumers but has allowed repeat offenders continue scamming and exploiting the system leaving users vulnerable to scams. The lack of accountability and transparency and is unacceptable and raises serious concerns on consumer safety.
Product: Debt collection

I was contacted on XX/XX/2019. THe person gave me a last four of SSN and birthrate and I told them the debt was not mine. 
The person immediate called me back then called another company number asking to speak to my boss. Then they called me back asking to speak to my boss. I asked them for information regarding the debt which he failed to provided but claim to be sending to my boss. I asked for his address so I can contact them in writing and tell them I am the wrong person. He gave an incorrect address and birthday and I again informed them the debt was not mine. 

File # XXXX
Product: Debt collection

I was in a month to month lease with XXXX ( XXXX ) XXXX. I was obliged to give a 60 day written notice before vacating the building. I did so, and sent the letter via certified mail. Roughly six months later, XXXX placed a {$7500.00} fine on my credit through Fair Collections and Out. This fee is exorbitant, as I only paid {$850.00} a month, and met my obligations for the lease. In the state of Georgia, the law states the landlord can only claim damages and the amount of time the apartment was vacant. I was never evicted, because I did n't break a lease, I should not have this on my credit. When I spoke with them they agreed to reduce the fee to {$3400.00}. This is still outrageous, and I 'm being illegally bullied in to paying for fines I never owed in the first place. They provided a forged copy of the lease that I never signed. If you search XXXX property services in XXXX Georgia, you will see they are well known for these tactics.
Product: Student loan

On XX/XX/year> I submitted a School Misconduct Discharge application to Navient. I attended XXXX XXXX XXXX XXXX XXXXXXXX. My federal loans were discharged because they determined that the school made pervasive and substantial misrepresentations about various aspects of their school. 

On XX/XX/year>, I received notice that I was denied : " ..., your application for School Misconduct Discharge has been denied. 
We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I replied XX/XX/year> asking why specifically was it denied : " Hello, I recently submitted a request to discharge my loans because of school misconduct. I received the message back stating that I " do not meet the requirements for discharge based on misconduct by your school. '' My federal loans were discharged because of school misconduct so i'd like to know what specific requirements I did not meet for my loans to be discharged. Thanks! '' On XX/XX/year> they replied back with a generic response without giving any specific reasons : " Thank you for reaching out regarding the denial of your private loan school misconduct discharge request. We understand why this matter is important to you and we hope you find the following information helpful. Please understand, each application is subject to our review and discretion. A variety of criteria are used to determine eligibility, including, but not limited to, proof of resulting harm, sufficient documentation supporting your claim, date when events occurred or when you experienced harm, etc. Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. Navient considers a variety of factors in determining whether a private loan should be discharged based on school misconduct. That analysis is confidential and proprietary to Navient. We appreciate the opportunity to serve you. ''
Product: Debt collection

A company online information services refuses to give me information regarding an electric bill they claim was not paid. The account on my report has a 0.00 dollar balance and Online Information Services will not discuss any information. 
When I called and attempted to speak to the representative he got very aggressive and nasty. He would not let me talk or ask any questions. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX ( XXXX ) XXXX
Product: Mortgage

My issue is with the " Origination Charges '' simply stated I was charged a fee of {$3300.00} but my origination charges should have been {$440.00} ( A difference of {$2900.00} ) Its been a month now and below email is the last correspondence received from Penfed. I received a partial refund but still owed {$350.00} On Fri, XX/XX/2020, XXXX XXXX XXXX, XXXX XXXX wrote : Mr. XXXX, Ive done the research this morning and I can see that you are in fact missing funds. Based on the amount that was approved for the concession of {$2900.00} and the amount that was deposited into your PenFed share account of {$2500.00}, we still owe you {$350.00}. 

I have emailed XXXX my findings and will reach out to you once I hear back from
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote on at least two occasions disputing the validity of two accounts. The first disputed account does not belong to me and I have been disputing this account for seven years, according to my credit report which states that an account was opened on XX/XX/XXXX and was closed with a balance of $ XXXX I forwarded a copy of my SS Card and my drivers lic accompanied with a letter disputing my credit report. I was seeking a security clearance with the federal government, due to reckless reporting practices, I was denied employment and I'm contemplating legal action against the credit agency. I would appreciate any and all help to rectify the situation as soon as possible. 

I took the same actions with letters and Identifying information forwarded to the reporting agency, I was told that an investigation had been conducted, I then forwarded a certified letter to the agency asking what methods were used to verify the misinformation, needless to say I didn't receive a response. The amount of the stated debt is {$1800.00} and opened on XX/XX/XXXX.