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

On XX/XX/XXXX, my cell phone was hacked by someone posing as an XXXX XXXX representative. I called their number obtained from XXXX search. I was immediately asked to download an app, XXXX XXXX XXXX, to allow them to check my phone to determine why one XXXX XXXX and XXXX games were not working with my XXXXXXXX XXXX  account. 

Before XXXX, there were XXXX pending transactions ( {$100.00} received on XX/XX/XXXX and {$150.00} received on XXXX ) in my Cash App. I noticed that {$240.00} had been removed from my pending {$250.00} transaction. I immediately contacted Cash App XXXX to report what had happened and submit a claim. They investigated and determined that I had authorized someone to use my credentials. On XXXX, I contacted Cash App XXXX again and asked if I could share documents to substantiate my claim, but they never responded to that request. 

A follow-up complaint was filed on XX/XX/XXXX. There were XXXX other transactions pending deposits of {$100.00} ( received on XX/XX/XXXX ) and {$150.00} ( received on XXXX ), but neither of those was mentioned in Cash App 's response. I am requesting that these XXXX amounts be refunded to me.
Product: Credit reporting or other personal consumer reports

As requested, I contacted TU early XX/XX/XXXX. I was told to allow 72hrs for the fix. They would not confirm correction but I could check back. Nothing was done and I called again XXXX. I got the same reply and guarantee that they knew what to do and wait 72hrs. Nothing was done. I contacted TU on XX/XX/XXXX, XXXX, and this time I spoke with a manager named XXXX . He gave me File # XXXX. XXXX assured me the issue would be fixed this time, and to allow 5 days. As of this date, nothing has been done. My credit score is less than XXXX because of errors. I tried previously to fix them myself and they wouldnt so Ive solicited help. Now my file Can not even be accessed. Ive given all of them the error code XXXX but Im at a loss on where to go from here because they have refused to do anything about this issue. Pls help.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

CAPITAL ONE

Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXXXXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Mortgage

I purchased my house in XXXX of 2019. I signed the contract with agreement to the established predetermined payment. I recently received my mortgage payment and discovered it had increased by {$400.00} p/mo. No explanation, or previous notification was provided. After making numerous calls to the lender, as well as the tax collector 's office, I finally discovered that the lender made an error at the time of the sell by underestimating the annual property tax. 
The lender is now charging me an additional {$200.00} p/mo. for the corrected property tax amount. This I understand. The part I am not in agreement with is the additional {$200.00} p/mo. that they are now charging me to compensate for the loss they incurred this past year as a result of their error. 
Thank you in advance for your time and consideration with this matter.
Product: Debt collection

I logged into my transunion account and noticed I had a collection from credit management company for the amount of XXXX. I called the credit management company and asked them when was this debt established because I never received any notice about the debt as I have been in prison the last 5 years and have had different addresses throughout that time. They informed me that a letter should have been sent out to an address that I havent been living at in over 5 years. According to consumer law I should have been informed about the debt or notified before reported on my credit. I asked them to put the account under dispute they informed me that I can try that but no matter what I will have to pay the debt. I told them that they are reporting it on my credit illegally. I have never received a letter as to when the debt was established or the amount of the debt.
Product: Debt collection

I opened an account with Macy 's in XXXX XXXX paid my first bill in XXXX. Began receiving bills for 'charges. '' No one in their customer service could explain why. 
I cancelled my card the next month. Bills kept coming, repeated calls to me to ask for payment. Multiple calls over the next several months. I did not want to damage my credit rating, so paid what I thought was the total for " fees '' and now I am getting bills for interest and purchases.
Product: Debt collection

I seen on my report. This is not my account. My phone number was an alternate number for the individual. I have gotten calls from the company looking for the account holder months ago and I have given the account holder 's phone number to the company and the calls stopped. However, I do not know how it was put on my account. My information has been compormized. Dont know if it is an old boyfriend or stranger far away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX on XXXX and account # XXXX on Experian ( different account numbers ), XXXX XXXX Account # XXXX, XXXX account # 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX XXXX 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
Product: Debt collection

I wasn't contacted by this company at first. They contacted my mother and left a voice mail stating it was for me and talking about a recommendation for judgement. I then contacted them and told them to stop contacting my mother and they needed to communicate with me. They have continued to harass my mother with phone calls and me with text messages. The text messages have been threatening by telling me they are going to contact previous employment within the last XXXX  months. I feel they are in violation of talking to my mother telling her i have a judgement against me.
Product: Money transfer, virtual currency, or money service

I tried to book a vacation property online and it ended up being a scam. We never were able to check in or get a hold of the " property owner '' again. I used XXXX through associated bank to wire money to this property owner on XX/XX/2020 for {$1700.00}. After i found it they were scamming me, I immediately called the police ( filed a report in XXXX County under incident number XXXX ). This person has scammed at least 2 other people that I know of and they have opened police reports in XXXX county. I also submitted a case through associated bank and they denied the case. That is under case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated. I have contacted this company for debt validation and have also sent a notice to cease and desist of all illegal activities and communications. It has been well over 30 days, and I still haven't had a response. I have no contract with this company, nor have I been provided with any information with my signature staying I have agreed to do business with them.
Product: Credit reporting or other personal consumer reports

I disputed ownership of an account of my report, asking them explicitly to request proof of ownership which the creditor was unable to do, responding simply that I call them. Having not been able to provide this information and according to the FCRA and XXXX actual policy, they should be removing this account. They have been near impossible to communicate to and simply insist I re submit a dispute over and over again, always waiting a full 30 days or longer to reply with the same response, that I should call the creditor and that they are not responsible for reporting the information, the creditor is. This has been a confounding experience and very disheartening to see that one of the only two credit reporting bureaus practices unlawfully. They also will not remove an account that was opened in 2015 and has had no activity on it since that date. I have sent them the full account history which shows this is the case but they insist on reporting this still, even though its several years past the statute for reporting. They have been equally as difficult to deal with to resolve this and have spouted the same replies as the first situation mentioned above.
Product: Credit reporting or other personal consumer reports

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation. 

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ). 

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX- Acct # XXXX Late payment XXXX-Please see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 

XXXX and Equifax failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXX RETAIL Acct # XXXX 30 day Late payment reported XXXX XXXX reports XXXX XXXXFURNISHER REPORTING INACCURATE DATA AND EQUIFAX FAILED TO VERIFY/VALIDATE NEGATIVE INFORMATION ON MY CREDIT REPORT AND PROVIDE NOTIFICATION OF NEGATIVE INFORMATION ON MY CREDIT FILE XXXX  XXXX Acct # XXXX Account Opened XXXX XXXXpayment history INCOMPLETE-missing ALL of XXXX and XXXX XXXX, 30 day late XX/XX/XXXX and XXXX XXXX-How can the payment be marked 30 days with no data available for other months in XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
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
Product: Mortgage

Our loan was sold by XXXX XXXX XXXX to Seterus. We were not notified. We called because there was no loan statement sent. XXXX XXXX XXXX advised us of the change, and when we did hear from Seretus, they assured us were not late. My wife called them to confirm. Less than two weeks later, on a Sunday, we receive a FedEx package advising us we are in default and threatening foreclosure.
Product: Credit reporting or other personal consumer reports

Request for Fraudulent Activity Block under FCRA 605 ( c ) TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX I am writing to formally dispute and demand immediate action regarding fraudulent activity on my account, which I believe constitutes unauthorized use or trafficking.This request is made pursuant to section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ).

Specifically, I demand that following actions be taking immediately : on my account to nancial or reputational harm.

rmation of the removal of any fraudulent charges and the steps taken to safeguard my account.

Ensure compliance with FCRA-mandated timelines to address this matter without delay. 
The unauthorized transactions were first noticed on XX/XX/XXXX. Details of the activity include : ( ACCOUNT NAME ) 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
Product: Debt collection

In XXXX of 2022, I was issued a summons from a debt collections agency in regards of a debt I owed to a credit card company. This debt came from a result of identity theft. I followed protocol and disputed the debt through the XXXX dispute portal online. I XXXX, I received a letter stating that my wages were to be garnished. On XX/XX/XXXX, I made a call to XXXX and XXXX and they stated that my wife called from a cell phone number that is not her number and setup a payment plan for this debt on my behalf. This is illegal. The next day I called back and talked to another lady who told me the same thing and that a payment actually posted from a bank account in which I do not have any association with. The lady became frustrated as I asked questions. She claimed that it was legal for my spouse to setup a payment for my debt ( it is not ). When I asked her for the law that stated that, she hung up. Mind you, all of their phone calls are recorded. It was mentioned once if I would like to hear the phone call for when my wife called in and I said yes, and that was the last it was heard about. On XX/XX/XXXX, I called and spoke to a supervisor. Supervisor was very adamant in saying that my account was placed on hold and there was nothing they could do. He then refused to notify my employer of my account being on hold.
Product: Consumer Loan

I purchased my Toyota Prius XX/XX/XXXX at the dealership called XXXX XXXX. 
The dealer told me that I will be the 2nd owner of the vehicle and showed me its title search results as well. He said they partnered with Wells Fargo Bank and they provide the car loan through them. They told me that Wells Fargo owns XXXX XXXX XXXX company and sold me a {$3000.00} " BATTERY INSURANCE. '' ( I did not know that the car originally came with that coverage warranted by XXXX. ) XX/XX/XXXX I had the " Check Hybrid Battery '' error popped up on my dashboard. I went to XXXX XXXX where I was told that the battery needs replacement for {$4000.00}. I called my regular XXXX service in XXXX, where I was told that the car should be covered by warranty. I went back to XXXX, they said they will do the repair. The next day they called me to tell me that the warranty does not apply due to the fact that the vehicle was originally sold in Texas. I immediately called the dealership who sold me the vehicle but shockingly they OUT OF BUSINESS. I called Wells Fargo Dealer Services and ask them about what happened to this dealer ( Wells ' Partner ) who clearly sold me a car based on fraudulent documentation. Like I mentioned earlier, it 's been going on since XX/XX/XXXX, but Wells Fargo did n't responded ANY of my attempts whether it was via e-mail or phone. 
Each time I called I was unable to get any employee 's name due to Wells Fargo " in house '' policy. 
The non responsiveness is an ongoing issue with this bank. Earlier this year they tagged my auto loan with an extra {$2000.00} additional car insurance even though we fax the policy to them numerous times. They declined to respond until I reached out to CFPB. That issue was resolved and I thank you for that. 
Hopefully we can figure out why Wells Fargo promoting fraudulent used car dealers and why they did not respond any of my attempts since XX/XX/XXXX to resolve this matter. 

Thank you. 

Regards, XXXX XXXX XXXX
Product: Debt collection

I am a a few payments behind on my XXXX loan and Ive been paying towards it every week this representative from the loan company XXXX keeps emailing me and calling me harassing me telling me he is not on my XXXX XXXX I need to pay up or he will make it hard for me to keep my car also he is not stating the FDCPA with any of his forms of communications with me I have copys of the emails as well as voice mails.
Product: Debt collection

I have been receiving calls, on my mobile phone, from a XXXX XXXX at Aldous and Associates since XX/XX/year> regarding some gym membership which I do not have and never had. 

On XX/XX/year>, I had called the very gym that most likely had passed on to XXXX XXXX at Aldous and Associates my mobile phone #. I spoke to the manager at this gym, to check XXXX ) who they were calling ; and XXXX ) why they were calling. I explained to this gym manager that I was not the person they were looking for and that I had never belonged to their gym nor any gym. That the person they were looking for was NOT reachable at my mobile phone #. I even informed the gym for how long I have had my current mobile phone # and who my mobile phone carrier was so that they could verify for themselves who owns my mobile phone #. 

The gym manager said he would remove my phone # from their " overdue membership list, '' and supposedly he did this while we were on the phone. 
Again the call with this gym manager was on XX/XX/year>. 

However, XXXX XXXX from Aldous and Associates has continued to call my mobile phone #, every XXXX to XXXX days. She would call from phone # s of different area codes. While I can block each of their phone # s, they still are able to leave a voicemail on my mobile phone, which I find to be very annoying because these messages use up my mobile phone voicemail memory. 

Despite my call with the gym manager who acknowledged that they're trying to reach a person who isn't me and who told me he has removed me from their list, XXXX XXXX at Aldous and Associates continues to leave messages on my mobile phone. I have kept a record of all the calls and the phone # 's from which XXXX XXXX calls- She called and left a voicemail on XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; the gym removed my name from their list but XXXX XXXX XXXX called on... 

XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; and today XX/XX/year> ( from a XXXX number ). 

That's a total of XXXX calls in XXXX wks. 

I have even updated the greetings recording to my mobile phone to indicate whose number " XXXX XXXX '' has called, along with my name and also a message to NOT leave a message if they're not calling for me. Still XXXX XXXX at Aldous and Associates continue to call and leave a message. 

I know I don't have any debts that are overdue. I pay my bills on time. 

I would appreciate that XXXX XXXX @ Aldous and Associate stop calling my mobile phone. This is harassment. If they are serious in collecting debts, they should send a letter to the person they're trying to reach instead of leaving messages on the voicemail of the wrong person. 

Thank you.
Product: Credit card or prepaid card

I was late on payment this month and received SEVEN calls in one day. I have also received 2 calls in the past hour alone this morning I has a similar situations with them last year and i told them this is harassment and a violation of consumer protections in debt collection. This many calls impedes my work and is unacceptable.
Product: Credit reporting or other personal consumer reports

These hard inquiries were not authorized by me and I will like them removed as soon as possible. 
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
Product: Debt collection

This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( XXXX ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.
Product: Credit reporting or other personal consumer reports

Equifax just decreased my credit score by XXXX points WITH NO CHANGE IN MY CREDIT ACCOUNTS as retaliation for filing a dispute about the XXXX XXXX XXXX XXXXXXXX accounts that they keep reporting as charged off when Equifax knows that they both were included in my Bankruptcy Discharge of XX/XX/XXXX. In XX/XX/XXXX credit report it shows that both accounts have a {$0.00} balance owing and were included in the bankruptcy. Then just last week, the credit report changed and they are once again reporting that the XXXX accounts ( ending in XXXX and XXXX ) are PAST DUE. They also added a remark : Consumer disputes this information '' when in fact the information is FALSE -- they are not charged off. They know it is false but they are punishing me for filing a dispute telling them to remove that comment and tell the truth -- the XXXX accounts were included in my bankruptcy filing.
Product: Debt collection

I contacted the company via letter and told them they could not contact me via phone. They ignored my letter and continue to do so in violation of my rights and leave messages without knowing who listens to them.
Product: Mortgage

I am requesting an update on previous CFPB complaint XXXX. In the company 's response, it was indicated I could call and speak with someone at a number that turned out to be only mailbox access. I emailed the address provided this morning requesting an actual number where a person that can help me can be reached. It is well beyond the 5-7 business days stated in the response to my complaint that it would take to refigure the escrow amount. Ample time has been provided since XXXX when my mortgage was unfortunately assigned to Mr. Cooper, for the company to accurately figure the amount that is rightfully due. We have been stolen from since that time with our inflated mortgage cost due to their escrow departments inability to accurately provide information. Another payment is of course due soon and I would like to pay the amount that is actually owed and not continue to loan a large company money they are not due. Ideally, I would like our mortgage reassigned due to the dishonesty and unfortunate business practices of Mr. Cooper.
Product: Credit reporting or other personal consumer reports

Incorrect Inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX