23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to EQUIFAX on XX/XX/2020 asking them to investigate some accounts. They responded on XX/XX/2020 that the accounts were verified. I asked for a description of the procedures on XX/XX/2020 and have yet to receive a response at all with the information requested. Here 's the list of accounts. 
XXXX XXXX XXXX XXXX balance {$5300.00} US DEpt of Education $ XXXX XXXX {$760.00} XXXX XXXX {$6.00} XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Prepaid card

I have an AMEX reward card with {$200.00} loaded on it. I have tried to use it on XXXX at the end of XXXX. The card was declined multiple times, and left a pending charge on it for days that eventually disappeared. 

I tried again XX/XX/24 and the same thing happened. Knowing that {$0.00} was temporarily deducted ( I assume for verification ) I made a purchase for {$190.00}. The {$0.00} charge made it through and was " pending '' on the Amex website, but the actual purchase was declined by Amex.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to seek assistance with an issue I have encountered with my credit card account, which was originally opened with SunTrust Bank and later transitioned to Truist Bank. 

A few years ago, I set up an automatic payment of {$200.00} on the XXXX of every month, which was the first day of my billing cycle. I recently discovered that for the past XXXX  months, I have been charged a late fee of {$39.00} each month. This amounts to a significant sum that I was completely unaware of until I checked my balance. 

While I was notified of the transition to Truist Bank, I didnt pay much attention as I hadnt used the card during that time. I may have lost the card and never received a new one. Ive only had online access to the account and have opted for paperless billing, so I didnt receive paper statements. Unfortunately, I also did not receive any emails or notifications about these late fees, nor have I received monthly statements via email. 

When I contacted customer service, I was informed that the fees could not be removed as it was not considered a bank error. However, I believe this situation is unfair. The billing cycle appears to have been changed without proper communication, resulting in these continuous late fees despite my consistent {$200.00} payments each month. 

I kindly request your assistance in getting these fees removed. Given the circumstances and lack of notification, I believe this issue warrants reconsideration by the bank. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wired the money ( USD XXXX ) to my International account ( XXXX, XXXX ) through their Correspondent bank XXXX XXXX on XX/XX/XXXX. After many follow ups, I understood that XXXX has returned the fund to PNC through XXXX XXXX on XX/XX/XXXX. The reference details were provided to PNC operations team in the week of XX/XX/XXXX. As of today XX/XX/XXXX, PNC claims that they have not heard from the beneficiary bank ( XXXX  ). 

My USD XXXX is out of my account for almost a month and not sure when its going to be either refunded to my account or delivered to my beneficiary account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for anv purpose.
42.5K
Product: Debt collection

On XX/XX/year> I notified Hunter Warfield regarding my debt balance reported on my credit report. The amount reported was far more than my original debt. Based on my final invoice issued by the original company XXXX XXXX was {$3300.00} without interest, however HW was reporting {$8800.00} which included {$630.00}. On XX/XX/year> I received an updated invoice HW stating that I now owe {$4000.00} which includes {$730.00} in interest. 

I am not disputing the debt however I am disputing the interest owed because this is rental debt. Based on my lease and the term outline on my final invoice does it states that I should be paying interest. I think this is unfair and should be only liable for my debt.
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. 

Account # XXXX ( Listed over XXXX ) Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # XXXX Have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) states I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an 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 conviction of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1981s-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 or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear sir, I have received two letters prepared on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Also, I received a large envelop which have the banking information of private nature and a letter on concern with XXXX XXXX. You have notified me that the furnisher of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has modified the information of banking account relating it. Upon the reviewing it, I do not recognize the account ending XXXX of XXXX XXXX XXXX relating with me. I mean I do not have that account which closed in XXXX. I have one personal account which still open for years before the Pandemic. Also, I have one joint account shared with my husband, which is not included in your list of data.

Sincerely,
Product: Payday loan, title loan, or personal loan

Obtained a Massachusetts Heat Loan from Eastern Bank approximately seven years ago. On XX/XX/2020 I submitted payment # 83 of 84 payments. *4th payment ticket does not have final amount owed on it and states that " Before maturity we will send you a notice about your final payment. '' As of XX/XX/2020 I did not receive a final notice and needed to call Eastern Bank customer service. The woman I spoke to was very helpful and provided my final payment amount that is due on XX/XX/XXXX which is 1 week away and I explained I was not pleased I did not receive my final notice as stated. While the woman I spoke to was helpful, I would like to make the regulatory agency and Eastern Bank aware that it is unfair that I did not receive my final notice timely as the ticket book states.
Product: Credit card

Zales account opened on XX/XX/XXXX has a balance showing {$1200.00} from charges I have not authorized due to the fact my personal information was obtained and compromised due to a security breach other accounts as well XXXX XXXX XXXX opened XX/XX/XXXX showing a balance of {$1000.00} XXXX XXXX opened XX/XX/XXXX showing a balance of {$1600.00}
Product: Debt collection

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide XXXX documentary evidence. 

I have never done business with your company and have no legal obligation to pay you for any services. I demand that you cease all communications. 

Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
Product: Credit reporting or other personal consumer reports

Barclays Bank Delaware made a hard inquiry on my credit report without my authorization I have spoke with them and they said they would remove it. Had to call back and still not removed.
Product: Money transfer, virtual currency, or money service

I was sent {$1000.00} from my attorney using Cash App. I never heard of it and used it first time. This app collects way too much information than needed. Worst thing - it's only mobile. Not at all easy or good compared to XXXX or XXXX. Moreover there is absolutely no human being available to deal with. It keeps on redirecting to phone or email but there is no human being. There is a phone # XXXX but no human being there also. 

This app is pretending to work with person to person money transfer without each other knowing each other 's account number etc ... So it ask the recipient to provide Debit card # with all the details - expiration date, zip code etc ... 

But even after that - there is no idea where the money is went? 

And there is no human being hired by this cheap folks in XXXX from this company called Square.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over copies of my FTC report for fraudulent inquires on my credit file. Some of them were removed. On XX/XX/XXXX, I send certified mail my 4th request to have these inquires removed along with the FTC report. I called on XX/XX/22 the first representative I talked to informed me that they were not all removed because I put a date beside the Company 's name. I then asked to speak to a supervisor and was left on hold for XXXX XXXX XXXX XXXX XXXX before the call was disconnected. I then placed another call to Equifax and spoke to a supervisor. He then told me I need to file several more FTC reports because Equifax only remove 3 from the FTC report. At no time was I ever informed of this. I submitted the same information to XXXX XXXX XXXX  with no problems.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status.

Originator Creditor FEDLOAN Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX Balance, XXXX  Past due. Report Date XX/XX/XXXX. 

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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a debt that does not belong to me. This debt has been disputed and continues to reappear on my credit report. They are reporting an open balance on a collection account and reporting the account was opened on XXXX XXXX XXXX  and it first appeared on my credit report in XXXX. It has been proven to not be my debt and already has been removed and yet it has reappeared again.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, Experian 's inaction violates federal las and my rights as a consumer.
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. 


Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX has 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 ( 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: Debt collection

CAPITAL ONE 13 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$400.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$400.00} written off. {$400.00} past due as of XXXX XXXX. 

Status updated XX/XX/XXXX Past due amount {$400.00} Highest balance {$410.00} Contact info Address XXXX XXXX XXXX XXXX XXXX, UTXXXX Phone number ( XXXX ) XXXX
Product: Student loan

I have been harassed by XXXX XXXX XXXX while at my job. They have called my place of work serval times although I have given them my cell number and requested that since it is a personal matter to contact me personally. They have called spoken with my manager asking them personal questions regarding me being able to make payments. I feel this is out of line and borders on unethical. Besides calling my workplace they called distant relative whom I really keep contact with. When asked how did they come about this information and phone numbers their response always is " We have our ways '' like some type criminal syndicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING INCORRECT INFORMATION. I DISPUTED THE ERROR BUT THEY FAILED TO CORRECT THE ERROR. 



RE : ACCOUNT # XXXX XXXX   XXXX Joint Installment Loan {$7600.00} Date of Loan : XX/XX/XXXX, Charge-off To XXXX, The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, consumers have the right to force alleged creditors to report accurate information. The FCRA governs the behavior of consumer reporting agencies. 
XXXX IS IN VIOLATION OF THE FCRA. 
VIOLATION : Furnishing and Reporting Inaccurate Information The above referenced loan is being reported inaccurately and needs to be removed immediately or I will take legal action to enforce my rights. 

In order to report this account the CRAs, must provide proof this is a valid debt and a the money is owed as alleged. Please see the California laws regarding loans. 

California Commercial Code Section 3303 ( b ) Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration OR proceeds. Consideration is defined as " any consideration sufficient to support a simple contract. '' Lacking Consideration Is Not Enforceable XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX California Court of Appeal,  XXXX XXXX XXXX XXXX ALL LOANS REQUIRE CONSIDERATION ( PROCEEDS ) TO BE LEGAL I have requested you to provide proof of the consideration for this alleged loan/debt. I have asked you to provide the proceeds check or disbursement check for this alleged loan of XX/XX/XXXX. Show me where you paid me the funds you are alleging I now owe. Under California state law as well as under the FCRA you must provide proof of this in order to furnish this information to the CRAs or you MUST delete this information.
Product: Mortgage

I have been trying to work with XXXX. XXXX since XX/XX/2018 to get the MI off my house. They have passed me around several times and nothing has happened ; no help, no responses and no action. I was originally told by a manager that a 3rd party would call me for new appraisal and nothing, the number I was calling no longer worked for that manager. I then requested for my MI to be removed through their email process months ago as well. Generic response with no help, I emailed them back with more information and no response. For the last 6 weeks I have been trying to work with Al XXXX XXXX. for home lending and nothing has happened. I have received 1 email saying he is working on it at week 2. I have called,  left messages and emailed with again no responses. My loan has no waiting period and the MI can be removed. This has now cost me more than the cost of a new appraisal which I was told at first my upgrades would prove enough and wouldn't need, then later was told I would need. I agreed and nothing has happened still. This company in my experience is a joke and has done nothing to service my loan. 
I have phone records and emails to show my interest in the MI being removed and almost nothing in return.
Product: Debt collection

We have a mortgage loan through Newrez and they did not pay our insurance through our escrow. They caused our insurance to cancel. We contacted the insurance company and they fixed it and made it where we didn't have a laps in coverage. Newrez is forcing us to pay {$210.00} for their insurance. We had coverage until XX/XX/year>, but Newrez is saying we didn't. I have all the proof and even sent them the proof from the insurance. They have stated there's no proof of coverage and are still trying to force us to XXXX it. It was only {$60.00}, but now it's went up to {$210.00} in a month. Now, we got a statement showing they have bot paid our taxes. The taxes were suppose to be on XX/XX/year>. Here it is XXXX and they have not paid the taxes yet.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - {$84.00} XXXX XXXX XXXX XX/XX/XXXX - {$18.00} XXXX XXXX XXXX These amounts are from an account that was closed and no longer exists after a fraud attempt from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX 
XXXX has been contacted several times about this company, yet they have no taken down the page, done anything about the dispute or prevented letters from being sent. The number ( XXXX ) XXXX is NOT even an active number. There is no other active service number or email to call about this matter and they have not given me validation that the debt was unresolved. 

XX/XX/XXXXXXXX  my work email ( XXXX ) was exposed to the dark web last used from an IP address in XXXX Oregon from the same location where the headquarters for returns to XXXX is located. The email was sent a receipt for three items purchase through the app " XXXX ''. 

XX/XX/XXXX An unauthorized inquiry was made for XXXX line of credit. 

XX/XX/XXXX An unauthorized attempt was made for a line of credit for " XXXX XXXX '' XX/XX/XXXX Work email XXXX was found several times under the dark web for an EXPOSED email and password for " XXXX '' and " XXXX  ''. 

There are 3 accounts still listed on this credit report that have been CLOSED for one year or more through XXXX XXXX XXXX. They have been settled and are still appearing on the consumer credit report. 

There is also a line of credit through TOYOTA MOTOR. This is supposed to be written off as a loss as the car was totaled on XX/XX/XXXX. It was settled through the car and medical insurance and written off as a loss!! 

On XX/XX/XXXX a AI generated call was made to XXXXXXXX XXXX  using my personal email and information to hack into my email and XXXX XXXX! A charge made by XXXX XXXX XXXX for {$14.00} was cancelled. XXXX then sent an email to my personal XXXX account asking for me to leave a better review of their item from an item I returned in XXXX of XXXX that I was never refunded for!! A subsequent XXXX XXXX  account and debit card were created and the account ending in XXXX was closed on XX/XX/XXXX!!
Product: Mortgage

A mortgage escrow statement dated XX/XX/2018 ( see attached file ) posted to my online mortgage account on that date. The statement indicated a escrow surplus check in the amount of {$600.00} would be mailed to my address. It never arrived. On XX/XX/2018 I phoned Nationstar Mortgage dba Mr Cooper mortgage to inform them that I had not received the check. The representative said a new check would be issued and mailed. That check never arrived either. On XX/XX/2018 I called once again. The representative said the reissued check was mailed on XX/XX/2018, but would reissue another check. Then the representative transferred the call to a supervisor. XXXX the supervisor ( employee number XXXX ) suggested both previous checks may have been sent to the mortgage property address rather than the mailing address the mortgage company has had on file for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to open a complaint on Genesis FS Card Services , Inc . 
It appears they Im not the only client having ongoing troubles with this credit card company. There are multiple open complaints on them through XXXX XXXX XXXX I paid {$120.00} in XXXX to make my account current they promised a new card. XX/XX/XXXX they advised I was current but said they they received a request for an address change which I had not made. XX/XX/XXXX they reported a second fraudulent account then closed it but then opened it added remarks and closed it with remarks that Im not privy to which tanked my scores. Now I cant reach customer service and still cant dont have a card and cant access online services. And theyre now requesting {$80.00} to bring my account current. This seems very fraudulent and rather illegal