23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have had this debt for XXXX years and have paid it on time, every month. Due to the covid pandemic I lost my job and alittle bit of my way. In XXXX, I paid {$190.00} XXXX  days late, which incurred a late fee. Then in XXXX, I paid XXXX times by accident of a total of {$390.00}, incurred another late fee, but it was ON TIME and OVER the amount. XXXX, I paid XXXX again, {$390.00}, received another late fee was received. I finally called and the executive office said don't worry they would investigate it and get it resolved and send correspondence, received nothing. Still getting late fees every month. Where did my money go? Did they steal my money and charge me late fees??? If this isn't fraud I don't know what is? 

XXXX # XXXX Spoke with XXXX XXXX XXXX from the corporate office This bank should be shut down for fraud, negligence, robbery, these are a bunch of XXXX. SHUT THEM DOWN. I want my late fees waived and my money put to my account. They have {$780.00} of my money! It mean nothing to them as they steal more than that I am sure, but for someone who is unemployed, not getting unemployment, that is a matter of feeding my XXXX children!
Product: Debt collection

Consumer has a right to privacy. ABSOLUTE RESOLUTIONS CORPORATION ( ARC ), a debt collection agency, recently began contacting the consumer after acquiring ownership of a debt that consumer allegedly owed to XXXX XXXX XXXX XXXX. The debt collection agency was informed to cease and desist contacting the Consumer. ARC received communication from Consumer to cease and desist via USPS Certified Mail. Once the previous alleged contract with XXXX was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. XXXX also accessed Consumer 's credit report without their written consent, authorization and/or permission nor any permissible purpose, which is a direct violation of the FCRA and FDCPA. ARC has accessed consumer 's personal information, credit file disclosures and even created an erroneous account with the Consumers personal identifying information, insinuating that they gave the Consumer some type of loan. The Consumer has NO obligation to this organization. The Consumer will be filing an Identity Theft Report with the Federal Trade Commission. Debt collectors should have been notified by XXXX that XXXX submitted cancellation of debt to the IRS, therefore any alleged debt has already been discharged, cancelled, and forgiven. ARC took it upon themselves to acquire a so called debt and stated in a recent letter that they were the owners of the debt. ARCs decision to acquire a credit profile was a choice of their own and Consumer never GUARANTEED any asset, note, or payment nor did they sign any contract with ARC. Consumer has suspicion of these XXXX companies, XXXX XXXX XXXX XXXX. and ARC to be committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM 3949 TO THE IRS for any account held in consumers name and social security number with ARC and/or XXXX. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. XXXX IS IN VIOLATION OF THE FCRA 15 USC 1681 CONSUMERS RIGHT TO PRIVACY FOR ADVERTISING AND SELLING CONSUMER 'S PERSONAL NON-PUBLIC INFORMATION. ARC IS IN VIOLATION OF FDCPA 15 USC 1692 A Consumer 's Right to Privacy by the reference violations mentioned above. Consumer has a copy of several credit file disclosures displaying the debt collectors accessing of the Consumers information without Consumers written consent. Consumer also holds denial letters and other evidence of harm caused by these companies negligence and willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Debt collection

I have never had service with XXXX XXXX. This same account held by XXXX XXXX, was disputed via CFPB and LEGALLY removed ( XX/XX/XXXX ), but XXXX is violating the FCRA by using a new collection agency ( XXXX XXXX XXXX ) for same account. ILLEGAL. REMOVE. Last year XXXX  gave Trans Union the wrong name and address and instead of removing the false entry TU GAVE XXXX MY name and address and then updated the entry with MY details. I had to file a complaint with CFPB before Transunion removed it. When XXXX showed up on my credit report in XX/XX/XXXX It was for the SAME XXXX account that was disputed and removed previously but through a different collection agent. Now, XXXX  is using XXXX XXXX XXXX collection. I disputed this again off of XXXX, XXXX and Transunion. Guess what? Trans Union is STILL the ONLY credit bureau that left this on my report. They repeatedly refuse to remove inaccurate accounts. Again, I have never had service with XXXX XXXX and need them ( XXXX and TU ) to stop putting this same account on my report but using different agencies after it has been legally REMOVED.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to dispute the inaccuracies in the information TransUnion reported on my credit file related to XXXX XXXX. 

While your report reflects a payment status of Paid or paying as agreed with no delinquency, the balance you reported is {$6400.00}, which is incorrect. The correct balance should be {$6600.00} as supported by my statements from XXXX XXXX. 

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), any disputed, unverifiable, or inaccurate information must be corrected or removed within four business days. I demand an immediate investigation and correction of this error, along with an updated credit report. 

I have enclosed supporting documents, including my account statements, to assist in this process. 

Thank you for resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been your FAITHFUL CUSTOMER for SEVERAL YEARS and have ONLY 1 LATE FEES REPORTED ON MY CREDIT REPORT. THIS MAY BE DUE TO SO MANY FACTORS. I want to believe that the late fees applied to my account may have been assessed in error or under circumstances that warrant reconsideration. According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681a, which provides important definitions and protections regarding consumer reporting, I am exercising my rights under this law to ensure that my credit information is handled accurately and fairly.

Given the provisions under 15 U.S. Code 1681a and the broader requirements for accuracy and fairness in credit reporting, I respectfully request that you review my account and reverse the late fees that were improperly applied. It is essential that my credit history accurately represents my financial behavior, and I believe this action would align with the requirements set forth in the FCRA.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, TRANSUNION is aware, THOSE INQUIRIES ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated.

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 d
id 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.

I have requested proof that this information wa
s 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiry on my credit report Never apply for these account
Product: Credit reporting, credit repair services, 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. 

Experian / XXXX / XXXX reported the following derogatory marks Account Info XXXX  : late payments Education Loan/Opened XX/XX/XXXX XXXX XXXX XXXX XXXX payments Education Loan/Opened XX/XX/XXXX XXXX  : late payments Education Loan/Opened XX/XX/XXXX XXXX XXXXXXXX : late payments Unsecured XXXX XX/XX/XXXX XXXX XXXX : late payments Unsecured Loan/Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX : in collections Collection/Opened XX/XX/XXXX Guideline/Rights Violated 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. 

Fair Credit Reporting Act ( FCRA ) : This federal law regulates credit reporting agencies and ensures that the information in your credit report is accurate. In your complaint, you can cite specific sections of the FCRA that have been violated, such as failing to investigate disputed information, failing to correct errors, or failing to provide you with a free credit report once per year. 

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 California Civil Code Section 1785.25 ( a ) New Mexico Statutes Annotated Section 57-12-3 ( B )
Product: Credit card

In continuation of my original complaint, a representative from the executive office made contact with me. She was extremely rude touting she has a copy of the letter notifying me of the original drop of my XXXX Citi cards. She stated it was XXXX XXXX XXXX. First of all if this is true why would they not provide me with a copy when I first complained to them. Or, the second time I complained to them? I would have to see a screenshot of where the email was sent with a date on it. It's too easy to be deceptive and I DO NOT trust them at all. She asked me what I wanted which I believe was put in my original complaint. I want them to restore all XXXX  cards to where they were on XX/XX/year>. For some unknow reason I was penalized when I never missed a payment or was never late. She mentioned the boiler print on the credit card agreement which apparently states they can do what they want when they want with no accountability. My credit score was my number XXXX asset which they destroyed in XXXX  day. Now, I am told to pay off debt to increase my utilization rate but these cards ( XXXX ) are closed which does nothing. I need resolution and accountability to Citi. Restore my credit scores and remove a dispute they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$740.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00}
Product: Mortgage

Ditech has called everyday for four days ( Tuesday, XXXX XXXX, 2016 - XXXX XXXX, 2016 ). I advised each caller that I had already spoken to someone in previous days. Today, I got two calls within two minutes of each other ( XXXX and XXXX ). Based on previous experience with them - especially with the representative XXXX 's manager -, I believe Ditech is purposefully harassing me to to force me to make promises of payment that I am not certain I can keep at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is what I have sent to numerous customer service research emails for XXXX. 

I am writing because XXXX XXXX, XXXX and XXXX is reporting negatively on my credit report. XXXX currently shows delinquent balance throughout XXXX as late as XX/XX/XXXX. The document attached shows where my total balance was paid in full XX/XX/XXXX. This property was sold to another buyer. The attachment also shows where the check for the balance of XXXX, was overnighted to XXXX as well as signed and received by XXXX employee XXXX XXXX on Wednesday, XXXX XX/XX/XXXX @ XXXX. I do see a hand written note that it was not processed until XXXX, however that was done by an XXXX Employee. I can not answer why it took so long to process. At this time I need all three companies to update my report immediately as this is hindering me from a new purchase. There should be no late or delinquent payments throughout XXXX. 

I have been working/waiting for XXXX to correct this error for over a year now and each week that i call for an update I am told it is being reviewed and someone will call me in 72 hours. I have been given two dates of XX/XX/XXXX and XX/XX/XXXX stating this will be resolved. I have literally called every week and I have not received a single return call from anyone at this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting an unverified debt to TransUnion and XXXX. In the past i've disputed this debt with the collection agency and credit reporting agencies. This account had been successfully removed from my report years ago and just recently, added back. It's also reporting a more recent account open date of XXXX, which is completelyinaccurate. This account was originally owed to XXXX XXXX in XXXX, seven years ago. Neither reporting agency has been able to verifythis debt or respond in a timely manner. XXXX has never contacted me explaining why I may or may not owe on this debt nor have they been able to validate this debt.
Product: Mortgage

XXXX   XXXX  Loan #  XXXX  I want to place a complaint against  Wells Fargo  in regards to a loan modification for my subject property located at  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  with a loan #  XXXX . The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is private, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a  Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analy sis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in  XXXX  and  XXXX  of this year, and 2 times last year. Upon receiving the  Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can  be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The re entry team after an initial interview, advise me that I can be reviewed for a loan modification. After completing another review in  XXXX , they advise me that I need a lot more income that was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with  Wells Fargo,  I really want to keep my property but they keep  mis  interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. Please help me come up with a solution with this bank and save my house. I really need your help
Product: Mortgage

The Bank entity known as Truist purchased/took over servicing of my mortagage. I did not obtain a mortagage from Truist, they bought my mortgage without my knowledge or consent. I live in XXXX XXXXXXXX XXXX, the closest Truist bank branch is in XXXX, thousands of miles away. 

Truist sent me an email that mentioned logging onto my online Truist Account, which is how I manage, pay and track my mortgage, will serve as consenting to binding arbitration for any future disputes which may arise surrounding my mortgage. There were no instructions or provisions for opting out of arbitration. I called Truist to inform them of my my non-consent to arbitration. I was then informed that I would be permanently banned from online services with Truist and any log-on or use of online services would constitute my consent to arbitration. I informed the agent that I believed this course of action to be unfair and illegal. I spoke with XXXX XXXX, a " Customer Care '' Supervisor at XXXX XXXX XXXX  XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, XXXX Experian is reporting inaccurate information on my credit report- addresses, numbers, employers and also bankruptcies. Please see attached documents.
Product: Money transfers

Hi, I sent {$470.00} ( included {$10.00} service fee ) to my relative in XXXX through Moneygram on XXXX/XXXX/2015, which makes XXXX XXXX. My relative in XXXX went to collect this money from XXXX of the authorized place and he was informed that it is already collected. I asked Moneygram about who took the money they never answered me with complete detail and put my money into investigation after taking some info regarding the transaction from me. Moneygram told me that it will take 90 days to give me answer. Whne I asked them that tell me from which place moneyis collected and what kind of id had beed taken while releasing money to the collector, provide me that info so that my relative can go there and fond out about the reality. Moneygram refused to give me answer. I sent this money to my realtive and it is not received by him.
Product: Mortgage

I applied for a mortgage loan with academy mortgage with XXXX XXXX on XXXX XXXX. I have been in contact with the lender quite often up until I finished uploading all my documents. I have reached out to the lender via text and through the website but havent received a response regarding the loan estimate. I havent received anything officially in the mail. I was given a good cost sheet via email on XXXX XXXX. It has become very difficult to contact my lender and their team since going under contract. Im afraid they have my personal information now and I dont know what is going on. I was also told to sign something that didnt have the accurate information on it. I declined signing it until it was updated. I still have not received the updates version.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother used my social security number to open this account XXXX refused to help and say I need her social security number to be taken off the account which is insane I dont know someone elses social security number They wont help me and the account is still on my Equifax report
Product: Credit reporting or other personal consumer reports

researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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