23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian, XXXX. I have nonmailable address on my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX is my only address. These other address need to be deleted. Also, it is illegal to report transaction history. Privacy act of 1974. And I was effected by the XXXX Data Breach. It is {$1000.00} per violation. Per the FCRA as a federal protected consumer Iam now opting out of any and all authorization. I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802 and change off, are considered a certificate of indebtedness. income can not be reported. 15 usc 1681 permissible purposes. You can't tie me to an old address. ( Non mailable ) and utilization is illegal a corporation can not report transaction history.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 Balance Owed : {$1200.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$180.00} XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$170.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting that I am ( 30 plus ) days late on the XXXX XXXX  partial account number XXXX. XXXX and Transunion should not be reporting that I am ( 60 plus ) days late on the XXXX partial account number XXXX ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my seport. Please remove these accounts from my report, they are hurting my ability toobtein credit
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 ) ( 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, credit repair services, or other personal consumer reports

Signed up for a Transunion account, they asked for my credit card info, which I provided. Nowhere in the entire process did they mention that this would be for a subscription that costs {$25.00} a month. Upon finding out that I was billed that amount out of nowhere, I tried to cancel. I could not find a single method to cancel online without having to call their customer support line. I would like to cancel and have them refund the {$25.00}.
Product: Debt collection

I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Paragon Revenue Group XXXX XXXX XXXX : XXXX, located at XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX, for their failure to address an overpayment on my account ( Account Number : XXXX Despite multiple attempts to resolve this issue directly with the agency, including two written correspondences and a direct conversation with an account representative, my concerns have been blatantly ignored. The representative unprofessionally ended the call, stating they could not assist further since the bill was paid. 

In XXXXXXXX  I paid a total of {$1000.00}, and in XXXX, {$1700.00}, against an original balance of {$2300.00}. However, XXXX XXXX bill payment service, overpaid by {$450.00}. I have attached the XXXX XXXX payment summary as evidence of this overpayment and have repeatedly requested a refund of this excess amount, to no avail. 

I am deeply concerned about Paragon Revenue Group 's practices and lack of response, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). I kindly urge the FTC to investigate this matter and ensure that such practices are not repeated with other consumers. 

Thank you for your attention to this serious matter.
Product: Credit card or prepaid card

I initiated a billing dispute over a charge I do not recognize. It would be refunded, then placed again on my account, then refunded, then placed again on my card. This occurred 6 times from XX/XX/2020 to XXXX XXXX in XX/XX/2020, I wrote a letter to the credit card company and the company that says they are due money. I have had no response. 
I don't recognize the charge, I was not provided with any information on what this charge is for. I truly do not understand how a company can allow a refund, then a charge - 6 times. 
I will be happy to leave Discover company, as they have not been in contact with me nor have they have been helpful. I have left this card open until I have this resolved with the CFPB.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns reguarding Zelle 's and XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the the platform. Despite using Zelle and XXXX XXXX  numerous times and reporting discrepancies, my financial institution and zelle and XXXX XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that zelle and XXXX XXXX  has not only neglected to protecct consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountablility and transparency iis unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, Collection Agency : IDEAL COLLECTION SERVICES Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/2020 Original Amount Owed {$3300.00} Amount {$3300.00} Status Date XX/XX/2020 Status UNPAID I have a problem with the company described below, I lived in apartment XXXX XXXX XXXX CT XXXX XXXX, and due to COVID19 reasons, I had to leave on XX/XX/XXXX, I made the delivery of the apartment in good condition, and the administrator of the condominium, he told me there was no problem, that if something happened they would let me know by mail and took my new address. 

months later I received a message from equifax indicating that I had a negative report ( high impact ), I checked the data and they sent a letter to the address where I lived before XXXX XXXX XXXX CT XXXX XXXX, on XX/XX/XXXX ( in that date I was not living there ), and for that reason they reported me. 

I never received a call, an email, a text message, or an email. They never contacted me. 

Today I contact the company IDEAL COLLECTION SERVICES, they are very rude and they did not answer my calls again, I check their history of qualifications online, and they have 1.7, there they indicate that they are a terrible company. 

I am afraid of a theft, or permanent damage to my credit. 

I need your help please
Product: Vehicle loan or lease

I am not able to give the actual lease payments because I can no longer access the site. I was laid off in XXXX  2020. Like everyone else waited for my unemployment. I made arrangements with them to extend payments on a lease I've been paying on for 2 years already {$380.00} for a Honda Civic. Entirely too much, but as a single parent of 3 I had no choice. I explained to them my situation when they called last week that I have gained employment and would be able to resume monthly payments by XX/XX/XXXX ( first paycheck ). She wanted {$600.00} something that day, I didn't have it of course because I hadn't still received my unemployment. I told her I would get a letter from them, which I had to email at least 20 people just to get a response. I finally did after almost 6 months of NOTHING. All I knew about my claim was there was a hold up, and I was able to claim every week. Nothing in the mail, no contact, no office hrs.Nothing. I let her know I would get something from them that shows they haven't paid out yet, and I would get backpay for all the months I was waiting for. It's not like I didn't have a job, I did ; I am just waiting for XXXX, XXXX start date. ( Have my offer letter ). I was able to get the letter from the Virginia Employment Commission Friday which was the day following the conversation. However, they repossessed the car that night. It's not so much that the car was repossessed as I understand business. But, the fact that it's COVID, and I had proof that I could solve the issue very soon. They said it could be resolved by XX/XX/XXXX, so I thought I had time. Three days later I received my full backpay. I called them to get the car back and they said I had to pay it in full or get another loan and it was going to auction. She mentioned I had filed bankruptcy which I never said that. I believe was the reason they immediately picked up the car. I asked for a Supervisor, got the run around. Today XXXX, XXXX XXXX the Supervisor in Recovery call me to tell me I had to either get a loan or pay $ XXXX off. I don't have that amount, nor do I have the credit to go get another loan. I can't afford this on my credit because I have a job at a financial institution and I could lose my job. I just wanted to finish my lease. If they keep the car and auction it, I just don't believe I should be punished any further that I have already. I don't want it to impact my credit. I am so distraught already over the loss of income for so long, which has affected me both mentally and physically. Causing XXXX XXXX ( now XXXX XXXX ). I am stressed beyond measure and can't afford to lose my new job.
Product: Payday loan

like 1 1/2 or 2 years ago I got a loan from rapid cash advance, now looking at my credit report I see that a collection co go it in my credit but it says that I open the account on XXXX XXXX and wonder if they have wright to do that. thank you in advance for your help
Product: Money transfer, virtual currency, or money service

I HAD STAKED {$400.00} 180 DAYS AGO, WHICH ONCE THOSE DAYS WERE UP I WOULD BE ABLE TO UNSTAKE AND WITHDRAWL. CRYPTO.COM REFUSES TO LET ME WITHDRAW MY COINS.
Product: Money transfer, virtual currency, or money service

I have {$4900.00} in a personal venmo account. The company has prevented me from accessing my funds. I received an email from them on XX/XX/XXXX informing me that my account has been frozen. I then proceeded to provide the information from them ( copy of my driver 's license ) to validate my identity. I have been unable to reach a live person who can tell me why my account was frozen, what it will take to unfreeze and by when. I need access to my money. It is very frustrating that this company does not even have the courtesy to respond to any of my attempts to contact them. This is theft!!! They have no right to hold on to my funds without providing me with a valid reason for doing so and a course of action to obtain my funds. This is MY money.
Product: Checking or savings account

Western Union took { $540.00} out of my bank account via debit card hack by a scammer/hacker under the name of "  XXXX   XXXX  '' ( that 's not suspicious!! ) even though this name in no way is similar to my own name. And then upon being notified that it was a fraudulent charge and was still pending on my bank account, they refused to cancel it or reverse it.     {$540.00} on  XXXX / XXXX / 17
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting or other personal consumer reports

There was a XXXX XXXX  XXXX credit account opened XX/XX/XXXX opened in my name and was charged off XX/XX/XXXX. I have never opened a credit card through XXXX XXXX  XXXX XXXX , this is fraud. I have filed a police report with my local police station
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF   XX/XX/XXXX   MY CREDIT SCORE WAS  XXXX . I HAVE NO NEW INQUIRIES AND NO NEW ACCOUNTS IN COLLECTIONS. AS OF  XX/XX/XXXX    XXXX   XXXX   UPDATED MY CREDIT REPORT AND INSTEAD OF EQUIFAX ADDING THE NEW POINTS FOR A NEW ACCOUNT THEY TOOK THEM AWAY. OLEASE INVESTIGATE THERE IS NOTHING INDICATING WHY THE SCORE WENT UP WITH   XXXX   AND  XXXX  AND DOWN WITH EQUIFAX. I AM SURE THIS WAS A MISTAKE AND NEEDS IMMEDIATE ATTENTION. PLEASE FIX PROPERLY.
Product: Credit card or prepaid card

I have a Chase Visa card, After raising a dispute on a transaction, Chase/Visa first waived the charge on my account. 
But before presenting me with any documentation on what the seller had to say, and giving me a chance to respond, Chase/visa has put the charge back on my account. 

In this specific case, I had booked a hotel for couple of days on XXXX and within couple of hours decided to cancel the booking. I tried reaching a human customer care representative and I couldn't find anything on their website to that end. The bot kept advising me that the cancellation depends on the hotel 's cancellation policy. I tried calling them multiple time and even wrote an email. Their phone is not functioning and no one responded to my email. There was no way for me to contact anyone on either XXXX and XXXX XXXX near XXXX. 

XXXX said that the hotel had charged me for a no-show which is first day of the total booking. But Chase/Visa decided to put the full charge of the booking on account without providing any notice of the dispute resolution.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX New Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

Attempted to call me FIVE times today alone about a family member 's debt whom does not live in my household. That family member called today and requested that he stop calling me, yet he had called twice since after that phone call!
Product: Debt collection

The Home Depot has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

Wells Fargo Home Mortgage is intentionally miscalculating payments to escrow in order to defraud clients into larger mortgage payments and escrow balances. All that extra money from their countless clients is sitting in their accounts earning Wells Fargo interest. I have never been late or missed a payment, but every year on my Escrow Review Statement they reflect the current month as a {$0.00} payment. This year it is the current month XXXX that they are showing Ill pay {$0.00}, but they are somehow able to estimate that Ill make my XXXX payment. This shorting of the current month makes it look like my escrow balance will dip below the minimum, so they send a statement saying they have to increase my monthly mortgage payment. Its criminal of them to assume Im going to miss that payment and to not factor it into the calculation. For several years Ive tried to call in to get help correcting it, but I get stone walled and told that the statement is correct. Its simple math to see they are only factoring in 11 payments for the year and its clearly listed as {$0.00} for XXXX. If Wells Fargo skims this extra amount off every mortgage client it adds up to a lot of money. If they correctly factored in all my monthly payments, then they should be reducing my monthly payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, LCI, XXXX, XXXX, Transunion are reporting a XXXX XXXX Bankruptcy that is inaccurate. US Bankruptcy court has already verified that they do not report or verify public information. 

The bankruptcy that is reporting is inaccurate, unverifiable, and should not be on this credit report. A XXXX XXXX bankruptcy was not filed on XXXX. 

None of these companies have sent back any proof or verification. XXXX, XXXX, XXXX and LCI never even responded.
Product: Mortgage

I have a loan with UWM loan # XXXX. I never received the first payment mortgage coupon so I mailed in the first payment coupon received in the loan documents with a paper check. If I sent in an electronic check from online banking I could not attach the payment coupon, then the payment was never cashed so I called the bank and they could not find the loan with the loan number I had, so I called my account representative who told me she gets a list of everyone that's late on a mortgage, if my payment wasn't received I would be on the list. Again XXXX, sent an online banking checking with same account number as they still showed not record when I called in and my XXXX confirmed, if they didn't have the payment it would be on the list. Then late XXXX I receive a call that a payment is late, it's electronic recording and doesn't mention a loan number. I call again and finally now they can find my loan and said they haven't received payment for XXXX or XXXX. I explain to them the situation and they basically tell me they haven't received either payment, finally XX/XX/XXXX after sending in all the proof the XXXX payment was made they Found it and marked it as received but still late. I did everything correctly and they are giving me a 60 day late because of their problems with the system.