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

ftc violations : enclosed and stated all violations listed XXXX XXXX   {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  {$570.00} {$550.00} {$570.00} florida XXXX XXXX {$59.00} {$33000.00} XXXX XXXX  {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY XXXX  XXXX  XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  CARD Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX inquiries XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXXXXXX 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 XXXXXXXX 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
Product: Credit card or prepaid card

I have received a statement from Chase and also from a creditor ( XXXX XXXX XXXX XXXX ) that I owe a number amount of debt. I didn't open new credit cards. I only have XXXX credit card opened. I've been receiving mails & emails that there were accounts opened under my name. I don't recall and authorized opening a credit card. I think somebody has been using my identity and using my personal information to open accounts.
Product: Checking or savings account

simple bank closed and transitioned to BBVA on Saturday. I followed the steps to get access to my account but got locked out. I have tried to call every day but have been unable to get in touch with them. I have also reached out on twitter with no response. I have had no way to access my checking, savings, or joint checking and savings account since Friday XX/XX/XXXX. How am I supposed to know my balance? I need access to my money! There are no branches here.
Product: Mortgage

I would like to file a complaint against my mortgage company : Nationstar ( Mr. Cooper ) XXXX. # XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX. # XXXX. 
My former mortgage company, XXXX XXXX transferred my loan as of XXXX. of XX/XX/XXXX to Mr. Cooper. My last payment of {$840.00} ( principal {$350.00} & interest of {$490.00} ) was made on XX/XX/XXXX to XXXX XXXX. On XX/XX/XXXX I made my first payment of same amount to Mr. Cooper for the month of XX/XX/XXXX. My next payment for the same amount was made on XX/XX/XXXX for the month of XX/XX/XXXX. All of these transaction was made through my XXXX XXXX XXXX, I have the monthly bank statements. 
At the end of XXXX we decided to payoff the mortgage, a wire transfer was made on XX/XX/XXXX to Mr. Cooper for the amount of {$190000.00}. I noticed that they have added a full month of interest to the payoff amount. I questioned this added interest and I was told that their accounting people will sort through and I will be reimbursed. 
The only reimbursed amount I received is {$110.00}, I think they owe me the balance of {$370.00}. I have paid fully ( P & I ) for the months of XXXX and XX/XX/XXXX. 
I have contacted Mr. Cooper 's office with no result. 
I greatly appreciate your help in this matter. 
The Loan # is XXXX My address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX My Tel. # XXXX My email : XXXX XXXX
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit card or prepaid card

I am a XXXX veteran who served in the XXXX XXXX and I depend on US Direct Express to keep my money secure. They ended up locking my card and sending a new one to a place in XXXX XXXX XXXX XXXX, I've never been there, I live in XXXX XXXX XXXX. I had over {$1900.00} stolen from me and they have yet to put the funds back on the card. Usdirectexpress lies about saying they keep your account safe. I've even filed a police report with my local law enforcement. If you have a choice do not use US Direct Express
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020, I TRIED TO CONTRIBUTE A SMALL DONATION TO A XXXX  XXXX XXXX BUT TO MY SUPRISE, IT DID NOT ALLOW ME TO SELECT THE AMOUNT THAT I WANT TO DONATE. IT AUTOMATICALLY SELECT THE AMOUNT OF {$85.00} FROM MY ACCOUNT, AND I WAS NOT ABLE TO CHANGE IT. ITS A MALFUNCTION OR JUST FRAUD BY XXXX XXXX XXXX. IT WAS MORE THAN I CAN AFFORD TO GIVE. I CONTACTED PAYPAL WHERE THE FUNDS WERE TAKEN OUT OF MY ACCOUNT RIGHT AWAY TO DISPUTE TRANSACTION, BUT THEY REFUSED TO REFUND MY MONEY. THIS IS CHEATING ESPECIALLY DURING THE TIME OF COVID19 DURING THE TIME OF FINANCIAL DIFFICULTIES.
Product: Credit reporting or other personal consumer reports

Transunion is reporting information that is not correct. I never reside at XXXX XXXX XXXX XXXX AZ. I dont work for for XXXX XXXX please remove it from my credit profile. 
XXXX is reporting collections this account was closed by consumer. This account was never late it was paid on time. XXXX  XXXX XXXX account XXXX is showing as been late. This account was never late it was paid on time. This account was closed by me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in XXXX AND XXXX to be removed. 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 did 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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was 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! Delete the late payments from my consumer reports Update the late payments to paid as agreed.
Product: Mortgage

Q   uick
en Loans needs to be investigated relative to their deceptive practices on offering their current customers refinancing as their practice prolongs the debt for the consumer and puts tens of thousands of dollars ( per consumer ) into Quickens pocket for miscellaneous fees. This practice also puts consumers in an unfair position relative to the housing market ( little to no equity ) and increases the amount of risk for both the lender and the consumer. About 4 years ago I financed my house with Quicken Lo
ans. Every year since they call me to refinance my house promising cash back and lower interest rates. They quickly collect a {$500.00} non-refundable refinance/appraisal fee up front and then drop you into the process.
In year two, I decided to take the plunge after being told I could take a large amount of equity out of my house and that my interest rate would be lowered ( same pitch as the previous year ). Upon providing Quicken {$500.00} to handle the appraisal, I was provided a breakdown of the forecasted transaction. This transaction did not show ANY cash back. In fact, it showed me paying roughly {$21000.00} in refinance fees to Quicken and a significant increase in my monthly mortgage. I immediately contacted the Director via email and told him what was going on. After multiple attempts at contacting them, they never contacted me back to resolve the issue. I cancelled the transaction and requested a full refund as I had all of their promises in writing. It took me contacting the Office of the President to get the matter resolved.
Each year, they continue to call me with the same sales pitch. I block th  eir number only to have them roll their number and continue to har  ass me with daily calls and emails. This practice is HIGHLY deceptive and has the ability to quickly put the consumer upside down in their mortgage. This should be illegal and is very unethical AND SHOULD BE ENFORCED by the FTC as Quicken uses this model to continuously pump enormous fees into an already existing account, while resetting the mortgage loan to day zero so people have no equity and never get out from under their mortgage loans. This also puts our economy at risk!
This practice is a violation of the UDAAP Act and their contact practices are also a violation of the TCPA laws. Consumers should beware before paying any fees upfron  t.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX DEBT # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue concerns Transunion Credit Bureau and their failure to provide adequate resolution in releasing my credit report which is currently suppressed ( reason unknown ). A Transunion representative requested a copy of my social security card, which I sent by certified mail. I called XXXX weeks later in an attempt to get this issued resolved and to regain access to my credit report. Now I am being requested to mail in a copy of my driver 's license. Transunion does not have a secure way to receive documents any other way, except through mail, which makes me vulnerable to ID Theft. This issue alone is very upsetting to me. And after several weeks, my issue is still unresolved. Time is of the essence as I am purchasing a home and go to settlement in XXXX weeks.
Product: Credit reporting

I disputed with XXXX and Equifaxthat i have old accounts from that should have been dropped off and hasnt been dropped off Also i disputed an account from XXXX XXXX XXXX and XXXX that are not mine a mortgage/ car loan that are not old accounts past 7yrsThey deleted some of them and then reposted them. 

XXXX have been disputed also
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF XXXX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2, HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS  EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.
Product: Debt collection

First threatening phone call made on XX/XX/2018. A message stating a case number, a 24 hour deadline, impersonating a police XXXX, threatening legal action and arrest was left on my grandfathers answering machine. He called me afraid for me. XX/XX/2018 I called back XXXX XXXX XXXX. While on the phone with a XXXX XXXX, XXXX XXXX, trying to sort out why I was being called about a debt I had already paid the year before to a Foster and XXXX, I received a phone call from my grandfather who said they had called him a second time. Again aggressively threatening to put me in jail, court action, using foul language, and giving a 24 hour deadline. I was unable to sort it out with them. They demanded proof of the debt behind paid off. Bank records werent enough. They wanted a letter from the previous company. I called XXXX and XXXX who conveniently had no record of the debt or me paying it off. They directed me to a Southwestern Investor Group who they said hired them to collect the debt. I called Southwestern Investor Group who said they only had record of one payment. They put me on hold, when they returned they said they would mark it as paid, they would mail out a letter ( I  never gave an address ), they would email ( they did ask me for my email address ) me a copy to forward to XXXX XXXX XXXX, and they would contact Cornerstone who they sold the debt to, let them know it was marked paid, and who they assumed hired XXXX XXXX XXXX. I never received an email. I called back around XXXX, as their website says they are open until five Monday  through Thursday. I was sent to an answering machine that said their hours were until XXXX. And, their answering machine was so full I couldnt even leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for validation to XXXX XXXX  ACCT # XXXX for the they claim I owe them, they received my initial letter on XX/XX/2023. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. 
15 U.S. Code 1666b - Timing of payments ( 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 the Fair Credit Reporting Act is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX asking for assistance in purchasing an investment property in the XXXX area. I understand now that this was elaborate come on to introduce me to a fraudulent website ( XXXX  posing as a Coinbase website ). I unwittingly invested a great deal of money. The precise amount is not easily arrived at but suffice it to say it is over {$900000.00} but closer to {$990000.00}. He swindled me by posing as a person who was interested in moving from XXXX XXXX and wanting to buy a XXXX house in the XXXX area XXXX I am a XXXX XXXX XXXX and was a XXXX XXXX  I guess he was able to find me through that system. The initial contact began in XXXX through XX/XX/2023 using XXXX. I XXXX  him and found him listed as an immigrant from XXXX, who apparently had some ties and difficulty with the XXXX. He said he was also a former employee of XXXX as an XXXX. It was a hoax. He offered himself as one who could help me gain outsized profits in the Crypto currency market. The initial activity was sponsored by XXXX XXXX, ( XXXX, XXXX ). However, another individual is also involved. 

After repeated attempts to withdraw my funds from XXXX and profits and him going dark I gave up. However, a second perp named XXXX XXXX picked me up on XX/XX/2023. After, I went to my wealth manager at XXXX XXXX XXXX ) who said that it looked bad and that I should probably just call Coinbase if I hadnt already done so and see how they could help. He researched the number through XXXX and gave it to me to call. I did call. And reached a female by the name of XXXX XXXX. ( XXXX ) and she said she would get back to me, or have somebody, probably a supervisor, call me. Thats when I opened a chat from XXXX text message from XXXX, XXXX ( XXXX ). He said that he was the main person for XXXX fraud working for Coinbase and that he could help me for sure because hes done so in the past. At this time, XX/XX/XXXX, I filed a complaint with the XXXX XXXX  ( XXXX ) who referred me to the Local FBI XXXX XXXX ). I also, as directed by the XXXX  and FBI filled a complaint with the website IC3.Gov., XXXX XXXX. I have not heard back from them. 
So, there we go.
Product: Credit reporting, credit repair services, or other personal consumer reports

The closed capital one bank on my account needs to be deleted immediately. They have reported the account as charged off bad debt in which in return I never received a XXXX from the company. This account was also previously involved in litigation which has resulted in the judge dismissing the case for the amount that is being reported as owed. Capital one is also still reporting to XXXX late payments however transunion is not showing anything, in addition to the fact the account has been reported closed and charged off by creditor since XXXX so the company is illegally reporting late payments. Due to the inaccurate reporting of several things on this account that Ive tried to resolve with the other credit bureaus I request an immediate deletion of all information from this account/creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$23.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized Affidavit of Fact on XX/XX/21. Equifax has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card XXXX my ssn ), any credit transaction between you the consumer and any person making the report. Equifax did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX XXXX the Federally Protected Consumer did not give permission orally, written, or any other way to list these items on my credit report or credit file. Affidavit of Fact along with Exhibits will be included in the files.