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

I got the company through online search, and they sent me a proposal in regard to the build of a mobile application for me and I made an upfront payment of {$3000.00} on XXXX by XXXX they requested more money and I paid {$1200.00} on XXXX  They asked me to pay {$890.00} for a dedicated server which I paid on XXXX The dedicated server was to be built within 48 hours of payment and the agreement was that I will have the login to the server to verify the specification that I paid for. When I requested access to the server, they refused to give me the access to the server. I sent couple emails and calls requesting access to the server, and they told me that I can not have access to my server. At this stage, the project was not progressing, and they could not deliver on the XX/XX/ timeline so I reached out to my bank and filed a dispute. They filed a counter dispute and the only money I got back was the initial {$3000.00}. In XXXX, XXXX called me and pleaded that they will complete my project if I pay them the {$3000.00}. After much assurance to complete the project, I canceled the dispute, and they received the {$3000.00}. XXXX drafted a scope change to complete the project in XXXX. As soon as the money was paid, XXXX seized communication with me. The project was not going as it should and they stopped scheduling design review meeting. I sent couple emails and calls without any response however, when they finally called me, it was a new person who claimed to be the new project manager. He apologized and assured me that he will complete the project. He drafted a scope change to complete the project in XX/XX/ and requested that I pay {$1500.00} which I paid on the XXXX. He was responsive the first two weeks of our meeting and gathered information from me on what was left to complete the project. After I made the payment, he seized communication, and everything fell apart. After multiple emails and calls without response, I realize that I was been scammed. I have written an official email terminating the contract and requested a full refund of my money and nobody has responded to my email. 
The following timelines were agreed and were not met by the company : Initial Timeline of XX/XX/ was not met. 
The scope change for a new timeline of XX/XX/ was not met. 
The scope change for a new timeline of XX/XX/ was not met. 
In general, there has been non-communication since the last payment of {$1500.00} on XXXX. 
To date, a total of {$6600.00} has been paid, which translates to more than 70 % of the total cost, and no progress has been made for the past 10 months beginning in XX/XX/. 
When I approached my bank, they told me that they can only file dispute for the {$1500.00} that was paid on the XXXX  which they did. 
I am pleading to the authority to investigate the company and make them to refund my money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you claim these account are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX. I do not have a contract with Midland Credit Management for account number XXXX. They did not provide me with the original contract as I requested.
Product: Debt collection

My company credit card bill, originally from American Express, has been sent to collections through XXXX XXXX XXXX XXXX and I have received the collections statement. I went on a company issued training trip to XXXX, XXXX and was informed to use the card for flight tickets, room and board, food and COVID testing to reenter the United States and to fly. I also had to cover payments for another employee on the trip, who did not get card authorization prior to travel, so their card was declined. The company let me go and has now discontinued paying the credit card payments. 

I notified the original creditor multiple times that I was not responsible for the bill, and that the debt was not valid under my name, as it was a company card and issued trip in which I was asked to use the card. I was also required to assist the other employee financially on the trip. The original creditor continued to call, harass, and got very unprofessional with me, threatening me to pay the debt that was not mine. I let them know I did not agree with the debt and asked them to contact my employer for payment. I also attempted to contact my employer. However, they ignored all communication and still sent the account to collections under my name. 

The company required that I put my name on the account for the training trip, even though I did not desire to do so. No effort was made by either party to contact my employer and rectify the bill in that manner as their name is also on the credit card.
Product: Consumer Loan

My vehicle was repossessed last Saturday XXXX. Full disclosure, this is the second repossession and the first was in XXXX XXXX. I redeemed the vehicle shortly after and have made every payment ( sometimes early ) which means I am NOT in default. According to my contract, my payments are due on the XXXX of each month. XXXX, XXXX, XXXX, and XXXX have all been paid. XXXX will be due soon. I am not understanding why my vehicle is gone. 
Let 's say I was in default, which according to my recent payment history i am not, according to my attorney, Go Financial illegally and wrongfully repossessed my vehicle. Below you will find the act according to Louisiana Law. 

Effective XXXX XXXX, XXXX, Louisiana 's Act 191 ( " Additional Default Remedies Act '' ) and Act 814 ( " Notice of Repossession '' ) permit a " secured party '' or " a lessor '' to take possession of collateral without judicial process provided : 1. ) the Security Agreement, or lease, contains the following specific wording : " Louisiana law permits repossession of motor vehicles without judicial process '', 2. ) prior to taking possession, a notice of intent is sent to all debtors, in writing, containing the specific wording : " Louisiana law permits repossession of motor vehicles without further notice or judicial process '', 3. ) a " payment '' default exceeding 30 days ( monthly installment contracts ) or 60 days ( weekly or bi-weekly contracts ) I never received a notice letter of intent. Because I was not 30 days behind. 
Nor can Go Financial show where I was 30 days behind. 
In addition, after the vehicle was taken, I contacted Go Financial. They gave me the recovery company info. After speaking with them, they asked if I would mind if I could meet up with the driver to sign a self-help vehicle surrender form which obviously needed to be signed beforehand. 
I am also in the process of filing a suit because I have lost a significant contract with a client worth $ XXXX. 
Lastly, I am requesting correspondence via email.
Product: Credit reporting or other personal consumer reports

These are not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They need to be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX & Transunion to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. 

I have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). 

I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! 

The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document,these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this  debt as being valid and verified. 
I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. 

I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.
Product: Bank account or service

I have a credit card with Barclaycard and my interest charge varies very much from month to month. Been going through quite a few financial struggles and I am unable to pay the full card at once. I am trying to pay it a bit at a time but these interest charges make it a bit impossible. I pay at the same time of the month and the total that I owe is around {$3500.00}. Interest charges are : in XXXX : {$35.00}, in XXXX {$520.00} + {$36.00}, in XXXX {$68.00}, in XXXX {$69.00}. Even though I pay over the minimum, I continue to have {$0.00} in the account because I went over my limit with the fees. I know this is my fault for not being able to cover it but I need to go through a few more months until next year when I believe I will be able to pay it in full. Not sure what is going on with the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, since XX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XX/XX/XXXX. I even filed a complaint in early XX/XX/XXXX with CFPB. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status regarding TRANSUNION : XXXX XXXX Acct No. XXXX. In XX/XX/XXXX, I contacted XXXX XXXX directly to obtain a clear title of my car which was paid in full in XX/XX/XXXX. At that time, XXXX XXXX XXXX did not make aware of any outstanding debt nor did XXXX XXXX advised of any late payment ( s )! I received the clear title in XX/XX/XXXX. The 60 months term commenced in XX/XX/XXXX and terms ended in XX/XX/XXXX. To date, I still have not heard from TransUnion of my dispute allegedly reported from XXXX XXXX XXXX. 

However the only response from TransUnion via CFPB : We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information will be verified or updated accordingly and the results will be forwarded to you for review. In order to preserve your rights under the FCRA, we have opened an investigation into the disputed item and contacted the source to advise them of your dispute. They will verify the accuracy of the item and inform TransUnion of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.comXXXX for frequently asked questions about your credit report.
Product: Debt collection

My daughter an myself have a loan account with Wester Shamrock Corp. My daughter fell behind in one payment which I paid in XX/XX/2024. Continuing calling me to tell my daughter to call them. I put in writing to stop calling me, but they continued to do so. I have documented times and calls.In XXXX I sent another letter stating my XXXX payment would be late not to call me again about my daughter or my bill. But the calls and coming to the hous continue. I ha XXXX put everything in writing.
Product: Credit reporting or other personal consumer reports

I noticed I am showing several unauthorized credit inquiries on my credit report that is not attached to any open accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I sent a payment for my XXXX mortgage on XX/XX/XXXX. I have two bank accounts linked to the account. I chose my business account. It took them 10 business days to try to draw the money at which point the account had insufficient funds. They then notified me on the XXXX that payment didnt go through. Then I switched to pay from my personal bank because I have no idea when they will draw from the account. Unfortunately, they claim I selected the same business account. On XX/XX/XXXX they reversed the payment for insufficient funds, claiming the payment request came from the business account. The software doesnt let you know which account you paid from or send you verification. I rectified the problem immediately by deleting the other account from my payment options and only putting my personal account, and then sending the payment through. 
Freedom mortgage takes 10 days to update the payment status of the account and takes a very long time to draw the money, and their inability to notify me in a timely fashion lead to the late payment. I had never missed a payment in the years that Ive been with them.
Product: Debt collection

Please see attached document. Citizens Bank continues to violate me as a consumer under federal law even after recent actions taken by the Bureau of Consumer Financial Protection. I have also filed complaints with the AG. Citizens Bank has 30 days from the date of this complaint to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$52000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account.
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 XXXX AND XXXX 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 havent been able to get a copy of my consumer report from Early Warning Services, XXXX, or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently visited my doctor for a surgical procedure that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The errors are as follows, XXXX XXXX XXXXXXXX account # XXXX. This account shows on my report twice as a duplicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, to the creditors at Pull my credit to inquire inquries on my report. I would like for 7 or more inquiries to be removed from my report based on a decrease in credit score.These creditors have been contacted and notified of matter that is being reported to this bureau. Only a soft pull was instructed, not a hard pull. 

Thank you for resolving this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DPT ED/XXXX