23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a company by the name of XXXX XXXX XXXX advertised vacation property for rent in XXXX XXXX in XXXX XXXX trough Airbnb.When I reserved the property on XXXX, they told me that they credit card company finds that foreign credit cards are too risky and that I should send them a wire transfer in a TD account located in XXXX XXXX in the XXXX. I sent them XXXX wire transfers of USD XXXX and USD XXXX in the above mentioned TD bank account. When the rental date got close, they sent me an email saying that the property would not be available because of damages caused by a previous tenant. I later discovered that they did not own the property they were advertising and that it was a scam. They never refunded the money I wire into the TD bank account.
Product: Debt collection

they called at XXXX and left a voicemail stating that I refuse to take care of this issue and it has been escalated to my desk in which you or your attorney need to contact me by today or adverse actions will take place. 

when I called back they refused to give me any information other than demanding my full name, SSN and address instead of looking up by phone number to tell me what it was about. They are very rude. 

Im not ignoring, we hit hard times with XXXX kids. Im just now in a position to try to take care of it and I plan on doing so. 

they are very rude, very threatening.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

We lived in XXXX XXXX in XXXX. We moved out in XXXX after giving 60 days noticed. We recieved a bill at our forwarding address for a unpaid electric and we paid the bill. In XXXX XXXX, more than a year after we moved out, the other lease holder, XXXX XXXX starting recieving calls that we owed the apartment complex {$3000.00} due to a broken lease. The lease was not broken and their records should show that our current lease was up. I still have record of the notice we sent in. Also, as we understand it, they are not allowed to charge us a debt unless we are given notice within 30 days, which we were not. They have our current address and our phone numbers, so it makes no sense why we received no notice until a year later and at this point have yet to receive any paperwork or an actual bill in regards to the debt. They had no right to charge us, especially without notice and now the debt is not only in collection, but I have been receiving calls about a lawsuit in an attempt to collect the debt.
Product: Credit reporting or other personal consumer reports

I paid off my balance on this auto loan and it is still showing a balance
Product: Debt collection

XXXX XXXX XXXX, I was paying them the amount to settle my account. I even have a letter they sent of the payments I was making to get it settled. For some reason, after I paid the amounts they wanted me to pay they never sent letter saying it was paid in full. Instead they sent to another XXXX XXXX agency. I even talked to company rep and he said a letter saying it was paid in full was enroute in the next XXXX business days. I never heard from the company again. Im still waiting on a letter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked that XXXX, equifax, and XXXX  delete and remove inaccurate information from my credit report they are showing third parties on my credit report that are attempting to collect a debt that I had No binding contract or agreement with on behalf of the original creditors. Original creditors are XXXX XXXX XXXX  that I had a contract with not XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX contact number is XXXX also known as XXXX XXXX. Other said account that I have no binding contract with is XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX contact number is ( XXXX ) XXXX original creditor was XXXX XXXXI demand these said accounts be removed from my credit report due to inaccuracies I have, nor had any association with the following third party businesses nor did I have a binding contract with the said stated third party businesses and they were not granted permission to any of my credit reports or credit files by me instead its was through the original creditors in attempt to collect a debt. By law they are not allowed to access or report any information pertaining to the original accounts without a binding contract these are third parties instead of the original creditors that I did have a contract with I demand these accounts be removed from my credit reports with all three credit bureaus XXXX, XXXX, and equifax immediately
Product: Credit reporting or other personal consumer reports

IVE REQUESTED THIS ACCOUNT CHILD SUPPORT ENFORCEM Account XXXX XXXX  be removed immedietaly. I DO NOT HAVE ANY BALANCE NOR LATE PAYMENTS WITH THEM. This is illegal!!!! Attached is the proof from the CIRCUIT COURTS PROVING I HAVE NO CASE NOR DO I HAVE ANY BALANCE OWED NOR HAVE I EVER BEEN LATE!!!! TRANSUNION IS VIOLATING MY RIGHTS
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX 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 XXXX  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. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Credit Acceptance Corp is reporting a reposession with an outstanding balance for an auto loan. This account has been handled in full and a pay for delete aggreement was made. I have made the final and complete payment as agreed upon with a payment confirmation number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Credit acceptance corp is still reporting to transunion, equifax and experian a reposession account with a large outstanding balance. They need to delete this account from all 3 credit reports as they agreed to immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed an inquiry on there being reported by XXXX XXXX XXXX company in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX XXXX on my XXXX credit report. Regarding the following inquiries < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX XXXX XXXX XXXX never responded to my certified letters and after calling and speaking to a supervisor, I was told an account was opened in my name online, an online order was purchased, returned, and canceled. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. The supervisor stated that she DID NOT have this information because her records do not go back this far but I could fill out a fraud alert form & then it would be deleted. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters from this Company. I filled out the fraud paper work that the supervisor referred me to  & as of today, it is still reporting. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
Product: Student loan

I have government loan now the new lender is EDFINANCIAL services. I have tried all kind of communication to speak with a representative absolutely no luck for over 3 months following is what I have done : 1- called EDFINANCIAL many times the waiting time it said is XXXX hours! obviously I can not be on phone that long. I left many messages there has been no reply no contact with me for the last 3 months. 
2- I sent certified letter to the lender two months ago no respond.

3- I went online and contacted them and again no respond 4- I contacted my state representative XXXX XXXX and reported EDFINANCIAL to fail communicating with me. The state rep staff XXXX XXXX is following my concern. 

I believe ED FINANCIAL they are the worse lender I have ever come across absolutely no line of communication.
Product: Debt collection

I do not have a contract with XXXX XXXX XXXX, account # XXXX, and do not owe this debt collector the stated XXXX as reflected in the email correspondence they keep sending me, the consumer. The original creditor, Capital One Bank, has charged off this account XXXX the following date : XX/XX/year>. This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-off is considered income, it must also be removed. According to IRS regulations, income can not be reported on credit files as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. I request assistance in reviewing the charge-off amount associated with the original creditor. I also request that an inquiry be made to the third-party debt collector, Credit control for actual verification and validation affirming that they have a contract with me bearing my signature. Capital One Bank and Credit Control by the Fair Credit Reporting Act have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the privacy rights. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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.

Therefore
Product: Credit card

Dear Comenity Bank, this is a direct follow up to your Company response and the actions taken directly after my complaint XXXX filed with the CFPB. 
Unfortunately I am unable to accept your response as it is invalid pertaining to at least one account which was in good standing, completed on payment plan as agreed with you as my creditor. I believe the payment was for XXXX $ monthly, even though I have account assure, and the minimum monthly payment to make was XXXX $ even though I was never given that option. 
I believed that when I signed up for the payment plan and the certified letter I sent directly to you as my creditor asking for consideration on all Comenity Accounts, at that time you accepted and there was no indication that you would not assist with other Comenity accounts. Your most recent explanation is not justified of locking my account for a cease and desist order that was never mailed to you, I did however provide the certified correspondence to show that contact was made and submitted to you as my creditor to ask for assistance due to hardship, but now since my complaint XX/XX/XXXX you have restricted me after a timely payment made for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 UC CODE 1681B : Permissible purposes of consumer reports Hard inqiries have no permissible purpose to be on my credit report. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits this issue alliance with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances, despite initially available funds I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

For the past two years, I have over paid into my escrow account and have not been sent the overage amount. I have also over paid on a few payments do to late charges, yet the late charges have not been removed after processing the payment. For instance, if I double my payment and add the late charge, I still have {$120.00} unaccounted for. Although my insurance and taxes are the same, and I over paid into the escrow, my escrow payments went up almost {$30.00} a month. I have paid extra on a few payment only to have the monies diverted from the late fees. How can I make the full payment owed only to have the {$170.00} late fee ( Do n't know how they came up with this number ) added to my next statement as well, so when they get the extra monies, it will be added anywhere but to the late fees. I am tired of Ditech doing what they want with my fixed rate mortgage..
Product: Checking or savings account

Starting in XXXX, subpoenas were issued to Wells Fargo Bank to obtain the signature cards for three accounts. The signature cards were needed to confirm ownership of the accounts at Wells Fargo Bank as the owner had passed and her estate was in probate. After considerable effort, Wells Fargo finally released the final signature card in XXXX, XXXX. The information provided showed the Decedent and her husband as account owners had added a daughter to one of their accounts in XXXX. The manner in which the daughter was added raised questions as the initial designation was as a XXXXXXXX XXXX XXXX. The signature card also shows the XXXXXXXX XXXX XXXX  designation was lined through and changed to read Beneficiary. This change was not dated or initialed by the account owners, making the change suspect. In XXXX the account owner updated the signature card for all three accounts and removed the daughters name / standing. In XXXX, the signature card was updated again to show the death of the husband of the account holder. Once again, the account holder declined to add the daughter back onto the account. Wells Fargo Bank is now refusing to honor their signature cards and release the funds in the account to the Decedents estate. The daughter who was removed from an account in XXXX ( beneficiary status eliminated ) is now claiming she is entitled to funds in the account.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXDate Opened XXXX XXXX XXXX XXXX Balance Owed : {$0.00} -Bankruptcy XXXXDate Opened : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX Reference XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion for their continued inaccurate reporting of my account with XXXX XXXX XXXX. Despite having settled this account on XX/XX/XXXX, TransUnion continues to report it as a charge-off on the Annual Credit Report website. 

This account has been in good standing, and there have been no late payments. Under the Fair Credit Reporting Act, a charge-off should occur only when an account is 100-120 days overdue, which is not applicable in my case. I have supporting documents that validate my claim that this account is inaccurately reported and should not be classified as a charge-off. 

I request that the CFPB take appropriate action to ensure this account is removed from my credit report due to the inaccurate reporting by TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the actions taken to address this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Recently I was looking at my credit report and noticed unauthorized inquiries, please remove the following inquiries as I did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion* XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My zelle was not working right taking money off money was not there when it was supposed to be there
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balanced {$730.00} XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX the last four digits of the loan account were XXXX. 

In review of my Experian Credit report I am seeing that XXXX has only made minimal entries that the Credit Bureau sees. 

1. - Only three entries for the Balance of the loan 2. Only two entries showing the scheduled payment amount 3. Only one entry showing an actual payment of {$520.00}. 

I would like these entries to be corrected and complete for the time I had the loan with XXXX until I paid it off.
Product: Debt collection

Company called advanced capital solutions says i owe them and has said they would take me to court and have me arrest. But they still wont provide me in writing any validation. This has been going on for years now. It has started back up.