23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First and foremost, I acknowledge my debt and have all intentions to pay it. I have made arrangements to pay in a way that does my current budget. Some days the calls will be up to 5 times a day, with an average of 3 calls in a day. Occasionally a these calls are back to back within 5 minutes of each other. The main issue is, a good chunk of these calls when I answer, the line disconnects immediately.
I am usually at work when this occurs so it is very disruptive. I consider this a form a harassment. I have asked that Toyota look into this, but have not received any information pertaining to the issue. When I bring up the issue, staff is always very dismissive. 

Examples : Thursday XX/XX/2023 - 2 incoming calls XXXX and XXXX. Both calls answered, line immediately disconnects.
Product: Money transfer, virtual currency, or money service

1 On XX/XX/XXXX I made an International transaction from XXXX XXXX XXXX to Bank of America to a beneficiary account for XXXX 2 Despite a delay, Bank of America confirmed the deposit of monies. 

3 This money according to BOA was paid into Beneficiaries account. 

4 Beneficiary Confirmed the money had not been paid into account. 

Lots of emails correspondence to date. 

5 I asked for my money to be credited back to my account 3 weeks ago and to date no action 6 XXXX XXXX XXXX claim money left XXXX - I have an audit trail of this. 

Bank of America claim money in beneficiaries account. 

Beneficiary no knowledge of monies either in account or statement. 
Bank of America trying to contact beneficiarys to return monies unable to do so without their consent. 

Both Banks seem to have decided they have done their bit Can you help please seems a very fragmented process with no clear way to a solution and return of my monies.
Product: Credit reporting

Transunion Has illegally shared my report with a auto dealership in Oklahoma, nearly XXXX miles away from me. They will not delete " XXXX XXXX '' or the XXXX XXXX lending inquiries. This violates FACTA, and once again shows TRANSUNIONS ABOVE THE LAW MENTALITY. They then list " Promotional Inquires '' despite just pages before affirming and attesting that I AM OPT-OUT FOR 7 YEARS. THIS COMPANY IS AN ANATHEMA TO THE AMERICAN CONSUMER AND SHOULD BE INVESTIGATED.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX : {$0.00}
Product: Debt collection

Winn law group sent me a letter stating they want to levy my bank account after I asked them to stop contacting me. They sent me a letter they would cease all collection activity just a few months ago. Now they want to levy a bank account I don't have. lol. Good luck to them. They just keep harassing me at this point. They need to get shut down.
Product: Credit reporting or other personal consumer reports

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.They were not in compliance with Us 1637b I would like this late payment removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the three credit reporting agencies, XXXX, Equifax and XXXX, more than several times about the same incorrect account information on my credit reports but the agencies are not correcting the problems. I have submitted disputes online and in writing. Seems as though all I 'm getting is an automated response after a few weeks of " updated '' information '' .The accounts get changed from showing NA to collection account, or vise versa. There are collection accounts, public records and inquiries that I have tried over and over again to have removed. I 'm not getting anywhere and its very frustrating. I have even submitted documentation to the credit bureaus hoping that it will help in aiding the investigation, but again, nothing happened. There is a public record on my account from XXXX County Clerk in the amount of {$300.00} that was paid in full. I contacted WCC and asked if they could please have this removed from my credit reports and they said yes. They also mailed a letter out to me with a judge 's signature stating that the judgment had been satisfied and that they agreed to remove it from my file. I sent this to the credit bureau on at least 4 or 5 occasions but it still remains on my credit report.
Also, there is a collection account on my credit report for XXXX XXXX XXXX showing there is a charge off of {$420.00} for a credit card that they claim I had. I have also disputed this account many times with the credit bureaus stating that this account does not belong to me, the balance is incorrect, I am no longer responsible for this account, etc.! I have tried to dispute it in many ways so that the credit bureaus will look into it and do a thorough investigation but the only thing that happens is that my credit report gets updated with the same information making it look current and hurts my credit report and score even more.
I applied for a SECURED card with XXXX XXXX which stated that they will not do a credit check and that my social security number is only needed for identity verification. I get a letter in the mail a few weeks later stating that I was denied for a XXXX XXXX because of collection accounts on my credit report. I was lied to. I was told that there would not be a credit check for a secured card. I disputed this information with the credit bureaus but this inquiry still remains on my account. I have sent in documentation showing that I applied for a secured card but nothing happened.
There is also another inquiry from XXXX XXXX XXXX on my credit report that I have disputed with the credit bureaus. I have NEVER applied for any services from XXXX XXXX I live in a building that is not even wired to receive XXXX XXXX services. I have disputed this inquiry over and over and over and the credit bureaus just keep ignoring me. Please help me.
Thanks in advance.
Product: Mortgage

I am not the borrower. I am the VA real estate appraiser involved in a VA mortgage refinance ( VA Case Number XXXX ) by Equihome Mortgage XXXX mortgage broker ) / XXXX XXXX ( owner ) that closed in XX/XX/2022 in XXXX  XXXX XXXX XXXX  XXXX 

Unfortunately, the VA Appraisal Invoice remains unpaid though the originating lender, Equihome Mortgage, has promised to pay multiple times including to myself, VA staff, and the funding lender. 

Colorado Revised Statute 12-10-713 requires the appraiser to be within 90 days of report delivery or within 30 days of the loan closing, whichever is first. 

The VA Lenders Handbook requires the VA Appraiser to be paid within 45 days of the XXXX being issued. 

The 1805 VA Appraisal request contains the following certification for submission to VA : On receipt of " Notice of Value '' or upon advice from the Department of Veterans Affairs that a " Notice of Value '' will not be issued, we agree to forward to the XXXX the approved fee which we are holding for this purpose. 
The following is the case timeline : XXXX : VA XXXX requested XXXX : VA XXXX delivered to the VA portal. 
XXXX : Notice Of Value issued based on my appraisal report. 
XXXX : Per the Assessor record, the VA mortgage was recorded. 
XXXX : Equihome Mortgage / XXXX XXXX promised to pay the outstanding VA appraisal invoice after I contacted them for payment. " Vice-President of Operations '' XXXX XXXX was CC 'd on this email. 
XXXX : Equihome Mortgage / XXXX XXXX  again promised to pay ( " checks in the mail '' ) to a VA senior staff member. XXXX XXXX asked for my bank account number, which I declined to provide for obvious reasons. 
XXXX : Payment not received. I filed a complaint with the XXXX XXXX XXXX XXXX XXXX for possible violation of CRS 12-10-713. 
XXXX : Payment not received. The wholesale funding Lender, XXXX  XXXX XXXX upon my request for payment, contacted Equihome Mortgage for the status of payment. Equihome Mortgage / XXXX XXXX reported the " checks in the mail '' as of XXXX. 
XXXX : Payment not received. I contacted the XXXX XXXX XXXX XXXX  XXXX XXXX Equihome is based in Utah ) to inform them of the situation ( sent them the email chain regarding requests for invoice payment ) and the fact that Equihome Mortgage has an expired license. They responded with an invitation to file a complaint through their online portal, which I did. 
XXXX : The XXXX XXXX  responded with a letter indicating an investigation of Equihome Mortgage has been started. I also emailed the funding lender, XXXX  XXXX XXXX, advising them that payment has not been received. 
XXXX : Payment not received. I filed a complaint with the Consumer Finance Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Student loans are reporting on my Credit report with a balance of {$1300.00} & {$2400.00} Stating In XXXX was Green indicated Was paid on time then XXXX says 90days late how can XXXX be on time but jumps to 90 late in XXXX. Clearly an Error
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX investigated into XXXX and adjusted balance to {$0.00} as terms of loan were 24 months long beginning in XXXX of XXXX, however in XX/XX/XXXX the company did three inquiries on XXXX  and made it appear as if I applied for an additional loan however I did not. they utilized my personal information ( social security, name and address ) without authorization and permission conducting fraud I informed the credit agencies to no relief. in XXXX I had EQUIFAX investigated into XXXX  on or around XX/XX/XXXX and EQUIFAX adjusted balance to {$0.00} as terms of loan were 24 months long beginning in XXXX of XXXX and thus completed in XXXX. This past month the balance again appeared to approx $ XXXXso I had EQUIFAX RE-investigate and there was no change. the reporting after the XXXX terms is not accurate I have contacted XXXX  as well as attorney general but no response from creditor and I am telling EQUIFAX to delete this account as did XXXX  and XXXX when they took the time to simply look at terms of the loan of 24 months, however EQUIFAX did not contact me for documentation that there company stated they lost my file.
Product: Credit reporting or other personal consumer reports

XXXX THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX THESE INQUIRIES WERE NOT AUTHORIZED. REMOVE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX OF XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to to a auto dealer ship to find a new car, I found one I liked and was asked to step in a office with a sales representative. I told the rep. that my scores were only fair and that if he had to pull my credit more than once or twice then it would be best if I just waited until I was in a better position with scores. He told me he was sure he could get me done first try with their bank that was not true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX IN, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

I received a notice from Meridia Financial Service that I owed XXXX XXXX XXXX XXXX XXXX. This is a scam to collect unnecessary
Product: Checking or savings account

I filed my dispute by phone on XX/XX/XXXX and then I received a form from bank that I completed, signed and then faxed back on XX/XX/XXXX. On XX/XX/XXXX, I called to find out status and if investigation wasnt completed ask why I hadnt received provisional credit as per stated on monthly statement under For question regarding account history, notice of errors, or preauthorized transfers it clearly says We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is an error, so that you will have the use of the money during the time it take us to complete our investigation. Its been >10 business days counting from date I faxed back their form. When I asked customer service rep why I hadnt received provisional credit she said not all account qualify for provisional credit and I stated # XXXX It does not say anywhere on their monthly statement or under their terms and conditions that not all accounts qualify for provisional credit and # XXXX per EFTA federal law under Reg E due to disputing an debit card transaction error I am entitled to provisional credit. 
But they didnt care.
Product: Checking or savings account

I am currently being victimized by Wells Fargo. This is not the first time I have had the same issue with Wells Fargo. I strongly believe they are using illegal, fraudulent, and deceptive tactics to boost sales of its banking and financial products. 
They blocked my cards. Therefore; causing my account to basically freeze for 6 unnecessary days. It's not resolved yet. I'm hoping I receive my replacement card tomorrow. I was promised 24 to 48 hours ( 6 days still no card ). I was promised expedition or rush. I contacted XXXX 4 different agents verified. Wells Fargo did not select weekend or overnight delivery. Only sent with a regular shipping label. XXXX said that Wells Fargo could still have it sent overnight. Wells Fargo, refused. Unable to make outbound calls. 
What Is there purpose? I was lied to by Wells Fargo representatives multiple times. Was treated rudely and disrespectfully hung up on multiple times. They know I have to call back. So that is time consuming and costly. I should be compensated for my time wasted. Wells Fargo, made the decision to block my debit card. Claiming suspicious and fraudulent activity. I was embarrassed and humiliated at a retail store. My debit card kept declining. This same exact situation just happened less than 6 months. With the same merchant XXXX XXXX XXXX " attempting '' to use my debit card. 17 times from XX/XX/21 - XX/XX/21 on just 1 card. Then literally the next day my other card was compromised by XXXX XXXX XXXX. So, currently I have no debit cards. I requested a receipt or something displaying these attempt from XXXX XXXX XXXX with exact dates and amounts. The amounts are all {$0.00}. Dates just told XX/XX/21 - XX/XX/21. I asked for the same info on the other compromised card and multiple representatives were unable to provide me that info. Wells Fargo is victimizing me by claiming there is fraudulent activity ( that they can't show me proof of ) blocking the usage of my account. So far for 6 stressful and unnecessary days. If they are going to make these decisions on my personal account. I should be feeling safe and secure that my debit card will be in my hands 24 to 48hr no matter the day or night. As I was promised. It's all a lie and I feel schemed and unprotected by Wells Fargo.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ experian ) for the period of [ XXXX 2024 of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX LATE PAYMENT : XXXX  XXXX - XXXX
Product: Credit reporting

I have requested that the remarks be removed from my credit report that state consumer disputes. Having these remarks on my credit report are causing issues with me refinancing my home. This creditor has already been paid off.
Product: Debt collection

Last year in 2021, I received a call from CREDIT NINJA saying I owed over {$2000.00} to them for a loan taken out. I had never heard of this company at the time and the address and email they had for me were from about 8 years ago and we came to the conclusion someone stole my identity and took out the loan. Credit Ninja had me go through a process that took me months getting a police report, and filing out affidavits to get this taken care of because I never got this loan out. I did EVERYTHING they asked of me and then a month or two ago in 2022 that same exact loan shows up on my credit report. I immediately called Credit Ninja when I got the notification and asked them for it to be removed since I already went through the process with them of proving I got my identity stolen. The lady then confirmed what I had said to her on the phone and said they had all the police report and everything on file and all I would need to do is dispute it on my end and they would take it off. BUT I disputed it and they never took it off in fact they said the debt is valid even though they have proof from over a year ago my identity got stolen and I never got this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Product: Debt collection

I have been experiencing billing issues with XXXX XXXX XXXX in XXXX, WI since XXXX which resulted in many of my claims being sent to multiple collection agencies. I was on a negotiated payment plan with XXXX XXXX and making monthly payments. In XX/XX/XXXX they sent over {$3000.00} in medical claims off to multiple collection agencies without a phone call or letter. We are working with the XXXX  and XXXX XXXX XXXX to get to the bottom of that problem. What I didn't realize before the claims were sent off to collections was there are several that were paid in full many months ago. To make matters worse, the alleged amounts due have been reported as negative on all three credit reporting agencies. Two claims were given to Alliance Collection Agencies. They were advised by telephone back in XXXX that I am disputing the debt. One claim was paid in full ( XXXX ) on XX/XX/XXXX but it still went to collections. The other claim ( XXXX ) needs verification because there are missing payments to XXXX XXXX that should have paid this is full last year. After reviewing my credit report I noticed a few issues that are very concerning to me. Alliance has not reported that this debt is being disputed. They also changed the open date from when it was previously reported by XXXX XXXX. If I am not mistaken I believe that they are re-aging my medical claims. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX on my XX/XX/XXXX credit report. Alliance reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX XXXX on my XX/XX/XXXX credit report. Alliance reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Keep in mind this claim was paid in full long ago!