23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call around XXXX XXXX XXXX  saying I was going to get served papers at my house the following day. He said he was the one serving the papers and gave me a number and company to call. His number when he called me was XXXX. The number he gave me was XXXX. He said it was called XXXX law firm and the case number was XXXX. I called this number after hanging up with the server. The woman who answered said she was with XXXX law firm. She said I owed {$1200.00} and said I could pay {$350.00} to completely pay off the debt or do payments for 6 months. She said it was a debt from US bank. I told her I hadnt had an account at US bank for over 17 years. She said she was going to get my wages garnished and said there was no statute of limitations for them. She also threatened to charge me with bank fraud. I never owed US bank {$1200.00}. I dont know how they even came up with that number and now they are lying and threatening me. My account has been closed for 17 years. I looked at the court online and a lawsuit has never been filed. I dont know how they are even able to serve me without a court date.
Product: Mortgage

Today on XX/XX/22 mortgage servicer The Money Source provided me with a " goodbye letter '' notifying me that they will transfer servicing of my loan effective XX/XX/22. This is in violation of my rights under regulation 1024.33 Mortgage servicing transfers, in which a mortgage services is to provide me with 15 days notice about the transfer of servicing. XX/XX/22 is only 10 days from today, not 15, and I am afraid that I will not have enough time to set up payments with the new loan servicer prior to when my payment is due, XX/XX/22. 

In fact, The Money Source did not provide me with the goodbye letter at all, except that I had called their customer service line regarding an unrelated matter and they informed me that they could not help me due to transferring the servicing of my loan, when I asked for the information of who they were transferring to, they said to " XXXX it, '' and only after I called back 3 separate times to speak to a supervisor would they even send me the official " goodbye '' letter with the information of the new loan servicer. 

Regardless, The Money Source is still violating my rights in not providing me with the information of my new loan services 15 days in advance, as required under federal law. This violation of my rights is harming me as it causes undue stress and jeopardizes my ability to make on time payments for my mortgage, due to not having the information of the new mortgage loan services to make payments to. The Money Source should not be allowed to operate outside of federal laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting in XXXX : XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX EQUIFAX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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
Product: Credit reporting or other personal consumer reports

I have disputed with the creditor XXXX XXXX XXXX XXXX XXXX XXXX. the debt was sold to a third party debt collector ( XXXX XXXX in XXXX. XXXX XXXX & XXXX XXXX I sent a letter to the third party asking for purchase agreement and copy of contract & the company did not respond within the 30 days to investigate required by law. The creditor has illegally Re-Aged this account illegally with date active from XX/XX/XXXX to XX/XX/XXXX reporting. TransUnion & XXXX XXXX XXXX have different date active dates & Last Reported Dates with different amounts etc even though I sent my letter on XX/XX/XXXX They have not responded to me with validation which they have failed to do proper updates or proper investigation which the credit reporting agencies would see several FCRA violations with this account
Product: Debt collection

XXXX XXXX XXXX XXXX Account Numbers - XXXX   Case Numbers - XXXX  County OH Municipal Court XXXX & XXXX XXXX XXXX  For the past 10 months XXXX XXXX has been attempting to collect monies on that are incorrect. Both account numbers and amounts owed are totally incorrect. They have misrepresented themselves in Court stating that I have received proper notice and service. They call everyday without leaving a message. When I pickup the phone to answer they disconnect the call.

I have called them directly and left messages with no callback. They have reported this to the Credit agencies incorrect information. They have cause emotional distressed with a person who is suffering and being treated by doctor 's for XXXX and XXXX.
Product: Mortgage

My mortgage was sold to Nationstar Mortgage LLC around 2 or 3 years ago. During this period, there were no issues with my account. In XXXX of 2015, I decided to make my payments directly from another account rather than have Nationstar draft payments from the old account. Not thinking, I did not update my payment options online in their system and consequently, the XXXX and XXXX payments were sent back because of NSF. I immediately reissued XXXX payments through Bill Payer bringing the account current. The payments for XXXX and XXXX were sent electronically through Bill Payer with no problem. When XXXX 's payment was sent in through Bill Payer, the payment was rejected and sent back to my bank as was XXXX 's payment. When I spoke to a customer service representative, I was told that for a 6-month period, all payments would be rejected unless they are in the form of a cashier 's check, a money order, or etc. I was not notified of this previously. As a consumer, it is apparent that Northstar is using tactics that will create additional fees for the company or even cause foreclosure. Consumers beware! XXXX XXXX
Product: Mortgage

I have/had a mortgage loan via NewRez LLC. 
I had a monthly automatic bank withdrawal for payments. 
I had a remaining balance as of XX/XX/2020 substantially less then my normal monthly payment. 
As of XX/XX/2020 I can no longer access my account information on line through the NewRez customer website. The account is identified as " inactive ''. 

NewRez made a withdrawal from my bank account of the total scheduled monthly payment, where I would expect a withdrawal of only the funds necessary to pay off the outstanding loan balance. 

Upon contacting NewRez via telephone, I was told that this is the way their systems operate and they could provide no further information as to the status of my loan or the process for returning the additional funds ( residual balance ) they withdrew from my bank account.
Product: Credit reporting or other personal consumer reports

I noticed that these companies were listed in my inquiries and I do not authorize my credit to hard pulled from them. 
Corelogic Credco XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am the creator/settlor of a credit transaction with NEW AMERICAN FUNDING. 
My credit report is showing evidence of a series of late payments which are not reflected accurately. All credit reporting must be fair and accurate. Unfair reporting and inaccuracies are not equitable to me and are causing emotional distress and other financial damages. Furthermore, the mortgage account should never be marked late because I have already given full consideration in the form of a collateral security at the inception of the transaction. 

The inaccurate late payments are as follows : XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 60 days late XXXX XXXX  60 days late XXXX XXXX  90 days late XXXX XXXX 60 days late XXXX XXXX 90 days late XXXX XXXX 120 days late XXXX XXXX  90 days late XXXX XXXX 90 days late XXXX XXXX 90 days late XXXX XXXX 90 days late XXXX XXXX  90 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX  60 days late
Product: Credit card or prepaid card

I received a phone call from JP Morgan Chase Bank a couple weeks ago advising me that I owed money on a Chase accountant roughy {$900.00}. I advised the representative who was calling me from an out of state phone number that I do not have a Chase account and further requested that she transfer me to the correct department to have the account removed from my name and social security number. She was incredibly unprofessional, hostile and rude, threatened to disconnect the phone call multiple times, proceeded to continue asking me for payment and advising me that she was trying to collect a debt, albeit having been advised that the account in question was opened under fraudulent means. Chase has violated federal law by refusing to take the mandated steps to correct this matter. Furthermore, one of my stolen checks in the amount of {$4000.00} was deposited into this account and Chase has refused to reimburse us for this. If I dont receive an adequate response with resolution I will file a small claims lawsuit against JP Morgan Chase Bank to recover my {$4000.00} as well as any further damages as a result of this account.
Product: Credit reporting or other personal consumer reports

SELF/XXXX  Last reported XX/XX/XXXX {$320.00} Reported XXXX XXXX limit {$670.00} You're using 48 % of your account 's limit OVERVIEW Credit limit Minimum monthly payment Opened {$670.00} - XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 53 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Current XXXX  Not current Last payment XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like this item immediately re-investigated. 
XXXX XXXX  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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

National Credit Systems has reported incorrect information that is not attached to me and have tried to dispute the account, but they deny the dispute and have yet to show no proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit card

XX/XX/XXXX  To : GEMINI Card Holder Service Account Ending : XXXX Purchase made XX/XX/XXXX at XXXX XXXX  Disputed to Gemini on XX/XX/XXXX at XXXX XXXX  Hello, After I submitted my complaint on XX/XX/XXXX, I sent an email to the XXXX XXXX XXXX, requesting proof of no access to the system since XX/XX/XXXX to current day ( XX/XX/XXXX ,XXXX  ). ( attached email ). 

After I sent the email asking for proof of no access, I received a notification of new access to the system, they gave me access on XX/XX/XXXX  ( attached proof ). 

Then I sent another email to the merchant requesting the money back for contract violation, I did not have access from XX/XX/XXXX to XX/XX/XXXX  this is 72 days with no access, If we count the days from XX/XX/XXXX  to XX/XX/, it is 53 days with no access, right? 

If they received the funds on XX/XX/XXXX  the merchant needed to give me access immediately instead of told me to pay again if I needed access to the system on XX/XX/. 

Again, here there are the proofs per your request. Please advise, that I never completed the course, and I never was able to complete any requirement. 

XXXX XXXX  will never send me the proof of no access from XX/XX/XXXX to XX/XX/XXXX, but sending me new access to the system on XX/XX/XXXX  this is enough proof. 

Sirs, I am sending you all the proofs to you. Please refund the full amount of {$8600.00} and all interest charges since XX/XX/. 

Sincerely XXXX XXXX XXXX
Product: Credit card

good evening, First on XX/XX/2015 i applied and was approved for the Verve credit card throughContinental Finance.After activation " the rep said we have charged your account XXXX '' stunned i " said why so much?? this rude women said very fast XXXX monthly maintance fee,XXXX if i call to make payment over the phone, and i now have to pay XXXX up front " i said no i 'm gon na wait till my due date '' .Which brings me forward to XX/XX/2015, I madeXXXXXXXX online payment to them, well i was not aware you could not use a debit card .... 
so they waited uXXXXtil XXXX XXXX XXXX " said you went in and deleted your debit card on line and put in your checking account number right? " I said yes because your site did not mention this.. very rudely the gettleman said that because i now paid 2 days early and changed the amount from XXXX to XXXX mind you the amount is only XXXX well i have to send XXXX XXXX or money gram of return fee of XXXX on top of the XXXX to make up for the XXXX that never even cleared bank of america.Meanwhile the revolked my account and reported me to credit bureau for XXXX and being late.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX  XXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as Current across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : XXXX : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Equifax : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current. 
The XXXX XXXX amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
2. High Credit Discrepancy : XXXX and XXXX : List the High Credit as {$510.00}. 
Equifax : Lists the High Credit as {$0.00}, which is incorrect and inconsistent with other bureaus. 
3. Future Reporting Dates : XXXX and XXXX : " Last Reported '' date is XX/XX/XXXX. 
Equifax : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
XXXX. Date Last Active : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
5. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Product: Mortgage

My mortgage company did not mail me a statement for the month of XXXX ( payment due XXXX 2016 ). I tried to make a payment at their online website and successfully registered my account. When i tried to log on their system would not allow access to my account ( even though I had successfully registered ). I called and was told i needed a reset password. So i was provided one by their rep. But i still could not log on so I called back. Another rep informed me that i could not access the online website due to my Bankruptcy. I told her I had not received my statement and that I needed to make a payment. She said they would not be mailing me anymore monthly statements and that I could not make a payment online due to the bankruptcy. i asked her why not and that I needed to make a payment and she said it was due to my filing Bankruptcy. I asked her why and all she kept repeating was that it was due to Bankruptcy. I asked how can i make payment and she finally said she could accept payment over the phone. I agreed as long as no further charges are assessed for making the payment over the phone. And she said she could send me a coupon book which I agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent validation letter no response been over 30 days in violation of FTC LAWS
Product: Money transfer, virtual currency, or money service

I had money in my robinhood account to my surprise all the money was gone and they took the money and closed my account. I had more than XXXX in my account they took all of it and refused to reopen or send a check. They stated a XXXX $ payment was reversed thats why they had to steal all my money and close the account i still have cash in my account they are not letting me use it
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Debt collection

I have requested documents from the bureaus & I have not received anything from them confirming this account
Product: Credit reporting or other personal consumer reports

GS bank reported me in XX/XX/year> and in XX/XX/year> they reported me late payments violating the consumer protection law
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am in the market to find a female Yorkie or schnauzer puppy. I found someone who stated they had a female Yorkie. After messaging back and forth, we came to an agreement of {$300.00} for the puppy. Later on they asked for {$50.00} to help with gas to meet me halfway. Another {$150.00} for half of the vet bill and another {$100.00} for the delivery service. I was only able to come up with {$65.00} of the delivery fee. When I said it was too much and I wanted the money back they refused and said it had been used already. I never received any documentation of the usages. The delivery company emailed me and stated they needed another {$500.00} for insurance, I didnt send anything. I asked for a phone number to reach the company and when answered the person didnt even know what name to use.
Product: Credit card

I sent money through money gram XXXX to XXXX XXXXon XX/XX/2015. I already attempted to reach out to the credit card company XXXX to get a refund and I have n't had any luck. The XXXX was intended for another company and now my this is affecting my credit.