23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX, as if I've yet to discover the company or web XXXX that's allowing this illegal activity of payment of funds. It continues to happen for testing and knowledgeable measures, which is unfair. It's unfair due to noticeability. If I don't notice it or seek corrections, they won't give the money back and accept it as a commissioned payment. 
XXXX XXXX, XXXX, I had a XXXX XXXX XXXX  connected to my Truist bank card. I moved out of the storage unit on the forementioned date. There were previous acts to prevent the payment, like stop payment fee but, they ( the employee in management ) still allowed the payment to go through because of their personal relationships with vendors and intergovernmental affairs before being employed by Truist. A claim was filed, the money was returned, XXXX. Same thing XX/XX/XXXX, different vendor XXXX XXXX, almost the same amount of money XXXX, it was XXXX, the money was returned XX/XX/XXXX, XXXX. 
The XXXX XXXX XXXX  must be completely disconnected. If not, this will fester into involuntary servitude. I have been engaged by a government agency sharing practice for use of politics and personal gain. Which is why I do not manage the account by the internet. Aggressive control methods are used with intergovernmental affairs and, it could cause a style of fighting which could render me helpless, in physical dangers and risk by criminals related to these agents, that are involved with organized XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I was mobilized under a XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022. My civilian pay appropriately stopped as of XXXX XX/XX/2022, and my military pay was delayed for XXXX days. My military pay also was paid inappropriately for XXXX days at my previous pay grade, and without the correct housing allowance. The inappropriate pay at old pay at older, lower rate of pay was less than my civilian pay, in addition to not receiving any pay to cover bills during the month of XXXX. I informed Penny Mac mortgage of this issue and asked for XXXX protection to prevent a XXXX day late credit report. XXXX removed the late fee, but has continued to report the XXXX day late to credit bureaus. Ive disputed the late report with the credit bureaus many times to no avail.
Product: Credit card or prepaid card

On XX/XX/2022 I made a transaction for a local dumpster company to be shipped, but the order couldn't be fulfilled and I requested a refund on XX/XX/XXXX. 

Because I noticed that the refund did not reflect on my account yet, on XX/XX/2022 I called Aspire at XXXXXXXX XXXX  XXXX XXXX and I was told that the refund is on the account as a credit but was not applied yet. ( This conversation is recorded ) After the entire month of XXXX, nothing still wasn't applied. So today XX/XX/2022 I reviewed all the statements and transactions for XXXX and XXXX to double-check to see if the refund was applied before I called Aspire again and it was not found. 

I call Aspire on XX/XX/XXXX, and they told me that the credit was applied on XX/XX/2022. 

How is that possible if on XXXX the XXXX the employee told me on XX/XX/2022 that it was not applied yet? 

The employee also went on to tell me " maybe because I had a lot of transactions that I was unable to notice the refund ''. 

I check my balance every time before I spend, so I would have noticed if {$340.00} was put back on my account.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

It has come to my attention that certain accounts attributed to me are either not mine, were not properly investigated, or contain inaccuracies due to your willful negligence. 

Your misrepresentation of facts has caused me harm and injury, and I demand the immediate correction and updating of these accounts without further delay. 

In the removal and finality of these accounts : XXXX XXXX  : ending in XXXX XXXX XXXX XXXX : ending in XXXX + XXXX By reserving my rights under the administrative procedure, you have blatantly failed to follow your own policies. This negligence is unacceptable, and I demand immediate compliance with the proper procedures without exception or delay. 

Tacit Agreement : You agree and are obligated to pay me {$800.00} immediately. Failure to comply will be considered a deliberate breach of this agreement.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 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
Product: Credit reporting or other personal consumer reports

I appreciate the action of XXXX in removing most of the fraudulent inquiries, but the bureau STILL NEEDS to REMOVE this remaining inquiry. And with regards to to my issue in my XXXX credit report, the bureau needed to remove two more fraudulent inquiries. And the Experian Credit Bureau have NOT REMOVED any of the needed to be removed fraudulent inquiries. Again, I am asking the 3 Credit Bureaus, especially the Experian to please REMOVE the listed inquiries in this complaint : EXPERIAN : XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Three of my negative accounts were reported on my Experian report, all having been disputed multiple times, and each time, Experian 's result of investigating was " Meets FCRA Requirements, '' followed by the statement " Discharged in Bankruptcy. '' Worse, these accounts have remained under this status for over a year, which, if true, Experian would be committing unlawful actions by having an account " Discharged in Bankruptcy '' on the credit report, and second concludes clearly if even under CFPB complaint, the investigative procedures relied upon were so lacking as not just to reaffirm the negative account, but to worsen the account under " Discharged in Bankruptcy, '' then it speaks to why further, after my filing identity theft and fraud reports, and complaints, Experian has 11 of my accounts negative, with XXXX having XXXX, and XXXX one. The purpose of FCRA regulations and citations under identity theft and fraud was based on " non-reliance to subjectivity '' ; instead, CFRA gives clear and strong directives on how a CRA, or " Furnisher, '' must lawfully act. Now, the same CRA who stated " Meets FCRA Requirements '' as a response to " investigating '' disputes by further saying, " Discharged in Bankruptcy. '' is foregoing CFRA guidelines, not blocking these accounts. I must now file another FTC, CFPB report, and complaint separately.
Product: Debt collection

The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/XXXX due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back on XX/XX/XXXX to  advise them I could not pay the {$900.00} on XX/XX/XXXX but I would have all the money by XX/XX/XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed {$1200.00} and paid {$250.00}. They are asking for {$3500.00}. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XX/XX/XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.
Product: Mortgage

we refinanced approx. 10 years ago, we was told this could help us in the long run. we pay XXXX dollars a month for mortgage payments. for ten years we have not seen any movement on our balance. principal interest or anything else. we payed in advanced for three years of mortgage and after noticing no movement on our balance the stated the computer was not set up to handle this transaction.10 years at XXXX dollars every month. no credit to the account we have lived here over 20 years.citifinantial sold our mortgage after we insisted on sending us something showing where our money was going. please help if you can.
Product: Debt collection

I was a victim of identity theft. I also fear that debt collection agencies are violating my consumer rights by selling my information or fraudulent debts.
Product: Debt collection

Hi my name is XXXX XXXX and I have sent this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX two validation letters asking them for the original contract showing that I have conducted business with them, which I XXXX XXXX has never done business with XXXX XXXX XXXX XXXX, account number ending in XXXXand XXXX XXXX XXXX XXXX never sent me the original contract, so I XXXX XXXX would like this to be removed off my credit reports and also from collections. Thank you!!
Product: Credit reporting or other personal consumer reports

Equifax has incorrect information ( last name, address ) for my account and has locked and frozen my credit report account with them as I can not verify my identify against their incorrect information. This has prevented me from getting a mortgage since mortgage companies could not pull the frozen report, even though I have Excellent credit over XXXX across all 3 credit reporting agencies. The other 2 credit agencies, XXXX and XXXX, have my correct information- my correct up [ dated married last name and new address so I had no issue with their accounts and pulling those credit reports. 
I have followed Equifax 's only process to solve their incorrect information by mailing them scans of all my personal identification ( social security card, passport and drivers license ) however they have still not been able to update and correct my information to unlock my account and unfreeze my credit report. 

I am requesting your support in correcting my account information with Equifax within 2 business days as it is preventing me from getting a mortgage and owning a home and work with Equifax on updating their policies to align more with the other credit agencies, XXXX and XXXX, on staying up to date and proactively correct and update account information instead of using inaccurate information and causing the customer to escalate to have it corrected.
Product: Debt collection

Sir/Mam, This letter is a follow up of the complaint i submitted last XXXX XXXX, 2017, with case # XXXX, against the Collection Company Mullooly, Jeffrey, Rooney & Flynn. 

One night around XXXX a man just knocked the front door so loud as you can feel the vibration of the wall and i was terrified as if there is a lunatic or drunk man outside of the house looking for a fight. I was stunned and shocked from my sofa as i was half-slept and tired just got home from work. When i go out to check a man in his XXXX or XXXX about XXXX XXXX male at first, introduced himself as a delivery guy and his looking for miss so and so, my mind was still in state of shock from this very loud knock from the door. When i ask him what is the delivery he cant answer me directly and it made me so confused and XXXX off for he woke me up for nothing. And then when i ask him why do you knock the door so hard, he begin intimidate me by introducing himself as a government employee and he is looking for a certain person in the house. everything is not clear he just showed up to intimidate and misrepresent everything by conflicting who he really is. And it happened again knock on the door so loud and it happened again and again from XX/XX/XXXX to XX/XX/XXXX. And also i received multiple phone calls from unknown callers to my workplace and it is embarrassing. Calls like every hour and sometime multiple calls in an hour, it depends on their mood to annoy people. 

please help me they already holding my {$5900.00} of my savings from XXXX XXXX XXXX, i know its illegal to take someones money for someones debt. I dont know these people, to whom i own the money and how much money i owe. Upon reading through the site of consumer protection bureau im a victim of phantom debt and usually the victims are small people like me who have no knowledge of the law. 
And also i called the XXXX XXXX they say the collectors is looking for like {$2900.00} but they take away more than what they looking for but XXXX XXXX give me unclear answers and more confusions. 

hope you had a very good XXXX. 

Thank you from the bottom of my heart.
Product: Mortgage

My original servicer XXXX, deducted my MUD tax at the end of XXXX from my escrow account. In XXXX my loan was transferred to Mr. Cooper and on XX/XX/XXXX I saw an escrow payment reversal of the MUD payment back into my escrow account. I called XXXX and they said they did not have access to see anything and that I should call Mr Cooper. I tried to call MR Cooper to speak to someone and it is impossible to speak to a person. I emailed their message line and chat with a rep and was assured the XXXX  had been paid but I called the county XXXX and the account is now 2 months delinquent. I need my taxes paid and MR Cooper or XXXX needs to pay the late penalty charges. This is the second time XXXX  has not paid my taxes on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts 1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX Unauthorized Inquiries TRANSUNION COAF DATE XX/XX/XXXX. Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. TRANSUNION AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

U S DEPT OF EDXXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX XXXX XXXX XXXX They added unlawful amounts that i did not owe FTC on deceptive practices
Product: Credit reporting or other personal consumer reports

on XX/XX/year>, XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, posted a credit collection on my credit report that harmed my credit score. I paid XXXX XXXX my last monthly premium on the due date before I ended my service with them. I do not owe them any money at all.
Product: Debt collection

Lockhart , Morris & Montgomery XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Cease and Desist Request Regarding Debt Collection To Whom It May Concern, This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and I hereby request that you cease all communication with me regarding this matter, except as permitted by law. 

Case law has affirmed my right to request the cessation of debt collection communications. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication that is not expressly permitted constitutes a breach of my rights under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 

Please be advised that failure to comply with this notice may result in further legal action. This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly. 

Sincerely XXXX XXXX XXXX