23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please see attached of debt validation letter and cease and desist. I also am requesting to receive a license as per 15 U.S. Code 1692e ( 3 ) it appears the request is coming from a law firm as per the company 's website. 
I also mailed the following attachment.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX XXXX XXXX ( Review Attached Documents ) Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. 
Items listed above, have 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 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 ( AN ( 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. 

Remove Following non-mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX, KY XXXX - XXXX XXXX XXXX XXXX XXXX KY XXXX Update Accurate Account Payments Dates : XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX ( Update Payment information for XXXX, XXXX as Paid ) XXXX XXXX XXXX, Account Type : Revolving, Date Opened:XX/XX/XXXX ( Update Payment information for XXXX, XXXX as Paid ) Remove Unauthorized Accounts Listed Below : Account XXXX ( Original Creditor : XXXX XXXX ) # XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$560.00} Remove Unauthorized Accounts Listed Below : Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$560.00} Remove Unauthorized Inquiries : XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Debt collection

XXXX XXXX XXXX XXXXKimball Tirey & ST John Has been attempting in a aggressive manner to retrieve an open balance of {$14000.00} ( currently ) from me since XXXX. XXXX XXXX XXXX XXXXKimball Tirey & ST John has committed an unlawful act towards me by charging me wrongfully they have not responded with a solution to my safety hazard issues in the time of the events that was going in with my apartment i've rented from them back in XXXX i've attempted to express myself via phone call to Kimball Tirey & ST John about the unlawful acts put against me they were truly rude and unprofessional in the attempt of figuring out a solution i believe their methods of retrieving has been unethical. im looking forward to come to an agreement of removing all inaccuracies that's been placed on my credit report
Product: Mortgage

Please provide me with a document that proves you sold the loan on XX/XX/XXXX  to XXXX XXXX 

I need more than your letter. Your promises and representations deceptively and fraudulently change at your discretion. 

Please provide me with a proof of sale or transfer document. With the exact date not just a month. I need an exact date on the sale or transfer of the mortgage.
Product: Debt collection

I am a victim of fraud Account was charged off/written off to XXXX  But debt collections still be attempted Debt paid in full
Product: Consumer Loan

Yesterday, XXXX XXXX, XXXX, I received a prescreened loan letter from OneMain informing me that I was prescreened for a {$6000.00} loan and that all I needed to do is to respond. Last night I responded at the website address listed on the prescreen letter, that is, OneMainFinancial.com/applynow, and filled out the application. This morning I received a phone call from a representative from the local OneMain branch, phone number XXXX. I answered all of the question including whether I had ever filed for bankruptcy. The gentleman than informed me that my full credit report was required to be pulled and that it was not a big deal because my credit report has been already accessed. The gentleman insisted that I was not pre-qualified just because the letter says that I was prescreened. The gentleman than stated that I could not be pre-qualified unless my full credit report is accessed. I reiterated the fact that under the FCRA a prescreened offer must be a firm offer and that I should have already been deemed to have met the OneMain creditworthiness criteria. He then transferred me to the branch manager, XXXX XXXX, who informed me that my credit report was not accessed. I asked what information did OneMain require to pre-qualify me. XXXX XXXX failed to answer my question and informed me that I was denied credit based on my conversation with the representative. I hung up and then received a phone call from the district manager, XXXX XXXX or XXXX. The district manager informed me to call the local branch again and restart the application process. I contacted XXXX XXXX and she informed me thew district manager would be contacting me. I was not contacted by the district manager so I called the number in my caller id. The district manager was not available but the gentleman that answered the phone conveyed a message from the district manager to the effect that I was denied credit because I said that I had a bankruptcy in XX/XX/XXXX. This ordeal constitutes harassment because I was led to believe that I was prescreend thus pre-qualified for the {$6000.00} loan. I do not know at this point t if OneMain pulled my full credit report or who performed the prescreening with an unknown credit bureau.
Product: Mortgage

I have filed consumer complaints against this company due to its refusal to provide reasonable accommodations in regards to my communication XXXX. These complaints led to my case being referred to the XXXX XXXX for mediation. ( XXXX Complaint XXXX XXXX XXXX v. Caliber Home Loans XXXX XXXX Dept. ) The mediator, XXXX XXXX, has attempted to reach XXXX to begin the process without any success, and given the amount of time that has elapsed with no response, he is considering it a refusal on XXXX 's part. I asked for mediation in an attempt to reach an agreement with Caliber Home Loans, as they continue to repeat the behavior that led to me filing those complaints in the first place. I am concerned about losing my home due to XXXX 's continued refusal to respect my rights under the Americans with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the XXXX Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 


Account info Account name XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$360.00} written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$360.00} Terms - On record until XX/XX/XXXX Payment history 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 XXXXXX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX.
Product: Mortgage

I went with Amerisave to refinance my mortgage without escrow costs, pay off some credit cards. I was told this would be a easy process as my credit score was excellent, I had enough equity in home, They were past difficult after I gave them {$500.00} - my loan officer barely returned my calls, I repeatedly got emails asking for more and more documents and the same documents I have already submitted. I found out through the backdoor that the {$500.00} was subtracted from the closing costs ( I was never told that ). It got so frustrating and my loan officer actually got hostile when I asked questions and said I wouldn't sign documents until I got answers which I never did. They sent me an email asking for proof of a XX/XX/2021 payment on my mortgage. I never made a late payment or missed a payment, Called my current mortgage provider and they had nothing on my account reflecting that. I asked Amerisave to send me copies of the credit reports they received and they said it was illegal. It is not - the Fair Credit Reporting Act lets them send them to you. She also said nothing in her email said anything about a missed or late payment ( which it does ), This company needs a class action lawsuit against them as they have scammed many potential borrowers, asked for documents that are not relevant to the closing. I can't believe I was soooo scammed by this company
Product: Debt collection

I received a call from XXXX XXXX from XXXX XXXX XXXX who said he was calling on behalf of HSBC who I dont even know. He didnt know what the balance or debit was for and couldnt tell except that he needed to get a payment of no less that {$600.00} somewhat dollars on the phone. After explaining to him repeatedly I didnt know what the debit was and I didnt have the money to pay and that I was with XXXX XXXX XXXX he said NO something needs to be done now even after I offered to pay {$100.00} as good faith payment he said we will go forward with further collection attempts and it may be legal and it doesnt matter that I am trying to resolve this debit because it wont stop them from moving forward legally. 

At the end of the phone call a woman that I havent spoken to in over a decade calls me saying that XXXX XXXX XXXX was calling her regarding me and giving out my personal information, my social security number NO LESS etc to a woman I have not been in contact with for over a decade!!! Unbelievable!!! And they attempted to contact my employer!! 

I understand there are people that make debit and choose to ignore it but for us people who try hard to do right but illness, XXXX XXXX, treatments take over WE CAN NOT HELP IT! 

I will not be harassed or be humiliated by these people spreading my personal business around. Inappropriate and ILLEGAL
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and used credit acceptance as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX of 2019. This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right. 

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.
Product: Credit card

On XX/XX/XXXX, I got a letter in the mail from Chase, telling me my that they were closing my credit card, and account on XX/XX/2024. The reason they described was " unexpected activity on this or another Chase account. I am the same profile I've always been, no new travel, or charges that aren't similar to the last 3 years. 
I called Chase, and they said it's " bank policy ''. They will not explain why they are canceling me. I have a high XXXX score always, XXXX, and always pay my bill in full monthly. 
I use this card for travel, XXXX flights, and rewards/mileage. I called XXXX, and they only work with Chase for their credit card/Rewards program. They are basically crimping my travel for work and pleasure. 
They are not transparent. They are not telling me why I'm " canceled ''. Did something happen, were there charges that are fraudulent. Unfortunately, I don't online bank, so I'm waiting for my paper bill. 
This is stressful, and uncalled for. They should be forthcoming on why they are canceling an excellent customer, and did something happen ...? 
At the very least, I deserve an explanation of why? 
Thank you ....
Product: Mortgage

Back in the fall of 2015, I reached out to Wells Fargo to see what they could do to help my financial problems in being unable to make my mortgage payments. I had been unemployed and underemployed several extensive periods over the last 3 years. I asked if they could stop my payments for a period of 6 months as I felt I was soon going to receive good employment. I did at the very end of the 6 months get a good job. I reached back out to them and stated that I have employment and asked if I could get my payments restarted. This is when things changed. I was lead to believe that this was a simple 6 month period for me to get my finances straightened and then to restart the loan. Suddenly they 're asking for financial documents and talking about making an offer to my current loan. I was confused, but went along with the process. I was told I had until XXXX XXXX to make a payment, except now I 'd be a part of a loan re-modification. My offer was 40 years at my current 5 5/8 % rate and that my payment would go down $ XXXXmonth, but now my loan amount was more and for 40 years. I was pressured into agreeing to this. They said that they 'd need additional documentation in order to possibly make me a different offer. The problem is that my ex-wife is dragging her feet on a quit claim deed she needs to sign from the divorce and now I feel like I 'm stuck and Wellsfargo has not been helpful in getting me into something that 's realistic. Plus i feel like they 've been extremely vague and difficult to understand. It 's like they want me to fail so they can foreclose on me. This experience has not been nice nor professional and I need some help before they take my home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in 2017 and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Product: Debt collection

A collection agency called XXXX shows an outstanding debt to XXXX of {$87.00}. This supposed debt was reflected before and I went through many phone calls to get it cancelled from my records -- and that took 90 days. XXXX shows no amount owing on my account.
Product: Debt collection

On XX/XX/2020 I received a call from Portfolio Recovery Associates, LLC. I was told by their representative that they would take a one time payment of {$3000.00} to settle a past due credit card debt ordinally owed by XXXX XXXX ( USA ) that they were collecting on behalf of. ( The original total balance was {$5800.00} ). I asked them if they could send me proof that if I paid the {$3000.00} it would completely satisfy the debt. The representative told me they would mail me a PAID IN FULL notice and delete the negative information from my credit file and assured me we were on a " recorded '' line which would serve as proof of the offer. I made the {$3000.00} payment under these terms but instead of a paid in full letter I received a bill for the balance, {$2800.00}.
Product: Prepaid card

I use miles and more rewards from XXXX and I gathered enough point to buy something for myself and I decided to go with Google gift cards. 

These sales were done by XXXX for miles and more. I tried purchased gift cards and it directed me to the XXXX version of XXXX  which is the default and I purchased 4 cards in the total of XXXX usd. Problem is these cards were issued in euros so I had to create a new Google account for XXXX to use these cards but I couldn't because Google needed more information about the cards, I have sent these information and they still have refused to help me. On research I found out this is a fault common issue but I won't stand for it. 

The card denominations are XXXX euros, XXXX euros, XXXX euros and XXXX euros.
Product: Money transfer, virtual currency, or money service

Hello! Im making a complaint against Citibank because Citibank didnt protect my saving account enough that someone was able to make a wire transfer of {$45000.00} on my savings account on XX/XX/2022 without my authorization and that day my phone was hacked so I couldnt make or receive phone calls until the XXXX XXXX.I went to Citibank later to let them know that someone made a money transfer and they started their investigation but later they notified me by letter that my case was denied. 
Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax Information Services LLC regarding their failure to conduct a proper investigation into my disputes concerning inaccuracies on my credit report. 

Despite my diligent efforts to dispute these inaccuracies with Equifax, their responses have consistently arrived within 24 hours, stating that the account in question is accurate. However, these responses lack the necessary documentation or evidence that would demonstrate a thorough investigation as mandated by the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i. This section of the law requires that consumer reporting agencies conduct a reasonable investigation of any dispute regarding the accuracy of information contained in a consumer 's credit report.

Furthermore, I believe Equifax 's actions may constitute a violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPB has previously emphasized the importance of adhering to fair practices in the management of consumer credit reports, and Equifax 's failure to provide adequate responses to my disputes aligns with the violations outlined in this act.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, as Equifax 's practices not only harm my credit standing but may also affect countless other consumers facing similar issues. I would appreciate any guidance on further steps I can take to resolve this issue. 

Thank you for your attention to this important matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

So as of today XX/XX/year> I received a letter from XXXX stating their findings is accurate and true! How can XXXX say that their information is accurate when in fact I submitted a report to the FTC stating fraud was committed in my name. They have no claim to these facts or proof that I signed for any open account with this company and if so XXXX needs to present this into evidence. This act was committed online obviously 15 USC 1681c-2 is specifically clear on what a consumer reporting agency must do regarding an alleged identity. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Why do you keep furnishing information on my consumer that is part of an alleged identity identity theft. I have sent you all required documentation that is needed to satisfy the section. The law is very clear on what needs to be done. 
Congress states under 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681n - Civil liability for willful noncompliance. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX XXXX- opened- XX/XX/XXXX amount {$3900.00}