23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my accounts. 

XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

If there is any additional information or documentation you require to support my request, please let me know, and I will promptly provide it.
Product: Payday loan, title loan, or personal loan

I recently lost my job and my mother was diagnosed with XXXX XXXX XXXX   XXXX with a few weeks to live. I notified the agent, asked to not receive calls at this time. The calls have not stopped but increased and on XX/XX/2019 XXXX XXXX I received a collections call to my cell phone. Yes at XXXX which caused us to wake up with panic thinking something has happened to my mom as she is currently under home XXXX XXXX in our care. 

I continue to receive the calls at all times and hours. I have screenshot my call records for that XXXX call a swell.
Product: Credit card

I tried to apply for a card and got denied they ran my credit with out my knowledge or consent and resulted in. A inquiry that is fraudulent
Product: Debt collection

I am submitting a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by, relating to an inaccurate repossession entry on my credit report.

I believe this repossession has been inaccurately reported for the following reasons : Incorrect Reporting : The repossession was inaccurately listed on my credit report by without proper notice or justification.

Failure to Correct Errors : After disputing this item with both and the credit reporting agencies, they have failed to investigate and correct the error. This constitutes a violation of 15 U.S.C. 1681s-2, which requires furnishers of information to ensure the accuracy of the information they report and promptly correct errors after a dispute.

Impact on My Credit : Due to this inaccurate entry, I have experienced significant harm, including but not limited to denial of credit, increased interest rates, and damage to my creditworthiness. 

I respectfully request the CFPB investigate this matter and take appropriate enforcement actions to ensure compliance with the FCRA. I would also like this inaccurate entry removed from my credit report immediately and all other necessary corrections made.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> a letter was sent to transunion advising there was incorrect information reporting to my credit and they have yet to respond and correct the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 

Update the account to Paid on time and never late. Or remove it from my consumer report.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. Also this account shows inaccurate information as it does not show on every bureau of my credit report only reporting to one.
Product: Mortgage

I already have submitted a complaint. I am writing further to inform you that the Franchise Tax Board, State of California, has recorded a Lien against my property. This means any sale, transfer or rental is illegal. Pass it on to the subject ( s ) of my complaint. I have no mortgage, nor have I had one ever with Ocwen Loans, or any of the other parties so connected. I am the registered, Deeded owner, and I have sent documents to illustrate this fact.
Product: Credit card

I applied for a Bank of America business cash award credit card on XXXX Reference number # XXXX it got denied and regardless of the reason being denied I have the RIGHT to CREDIT, with them holding my access to my securities is security fraud and theyre violating the equal credit opportunity act & consumer credit protection act. The young lady didnt want to provide her name but the call was recorded and monitored and I told her to read to me where it say in the acts I could not be extended credit because of my credit history? She went silent then rush and gave me the reference number then disconnected the phone on me. I know Im entitled to credit regardless of my credit history this is the reason Im reporting Bank Of America lending team/department . 
Please help resolve the issue quick as possible thank you, XXXX XXXX attorney in fact for the all XXXX  name XXXX XXXX XXXX.
Product: Debt collection

XXXX has purchased an account that Ive already resolved in an attempt to collect. Selling of accounts isnt legal. Additionally, Ive advised this company of such and was told Id be removed from their call list. Im now receiving automated messages. My credit is excellent standing, this shouldnt be legal and companies continue.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 % correct. XXXX XXXX is reporting on Equifax, XXXX and XXXX. I have know kowledge of this company. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. s 1681i ( 7 ) Method of verification Description of reinvestigation procedur
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Product: Money transfer, virtual currency, or money service

XXXX I received an email from Chase bank that an attempt of a wire transfer in the amount of {$36000.00} which the bank blocked. second attempt on the same day, for the amount of {$30000.00} and also was blocked. On the same day, around XXXX I called the bank to change my password to the account and the bank mentioned that there was an attempt XXXXto purchase at XXXX XXXX and XXXX and told the bank to cancel that cause we did not do it..Then, I called XXXX to ask why my phone was on XXXX, while waiting for XXXX agent, I checked my online banking once again and saw that a two XXXX were made in the amount of {$3500.00} and {$950.00} from our checking account.So I hang up with XXXX and called the bank and at this time, I ask the Chase customer service to lock our online banking access and we disputed the XXXX. This matter was resolved on XX/XX/24 and returned to our bank account. 

In the morning of XX/XX/24, I called XXXX to find out why my XXXX XXXX XXXX XXXX was on XXXX and I was told that the IMEI # was switched to an IME # of XXXX XXXXXXXX XXXX Also the email and credit card on file was changed and password. They're able to restore my phone and the account to original settings. 
On the same day we went to the bank and talk to the banker what happened.The banker advised us to change the checking account # and password. So, we opened a new saving account and transferred most of out money into the savings account totaling to {$33000.00}. Hoping this move will keep our money safe. 

On XX/XX/24, we received a notification from Chase bank that {$33000.00} from savings account was transferred to checking account and from there an unauthorized wire transfer was made for {$33000.00}. I also noticed that my phone was on XXXX again. I called Chase Banker using my husbands phone to lock our account. At the same time I sent my husband to talk to the banker to confirm that our account was locked while trying to call XXXX again and I was told that the IMEI # again was changed but he was able to restore my phone again. My husband phone was also XXXX for a short time. 
My husband came home and confirmed that the account was locked. After like an hour, we went to the bank to check the balance on the account and found out that the {$33000.00} they wired went through. While we're inside the bank we talked to the banker and disputed the unauthorized wire transfer. The banker said that the wire transfer was authorized by my husband which my husband did not give the authorization. So, we disputed this unauthorized activity. They told us to call in 3-5 days for an update and informed us that the dispute is ongoing/pending. I've been calling every week and they keep saying its in pending. The banker told us they've been calling XXXX XXXX Bank where the wire went but XXXX XXXX refuse to return the money. The Banker told the XXXX to report it to the police which we did ( XXXX Tracking # ). Chase gave us Claim # XXXX. At this point, we're getting desperate for help and we are seeking for your help to get our money returned to us. Pls. help us!
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were obtained without my consent 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: Money transfer, virtual currency, or money service

I was trying to transfer money from my PNC bank to my XXXX app to invest in some stocks but it shows that an error happens and that XXXX is trying to fix it with my bank. The stocks are starting to rise and in order to get a good price I would need to invest soon. This error from PNC is restricting me from investing.
Product: Debt collection

Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collection Issue : Took or threatened to take negative or legal action The delay in resolving this matter is costing me money {$550.00} to date.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 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: Bank account or service

I just recently realize that for a long time my bank account had been illegally charged with unfair overdraft fees, my banking institution had been so abusive of these fees, that at times I had more than XXXX overdraft fees in XXXX week at {$36.00} each. After complaining to the bank, I realized that the bank manipulates the transaction history to their advantage, making it impossible for me to keep an accurate track of my financial transaction. My banking transactions are not posted in pending in the right order and if there is a cash request they will deliver cash withdraws over the pending transaction to purposely overdrawn my account and later charge all pending transactions an overdraft fees for each on of them.
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE, UNVERIVIED AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS HAVE DIFFERENT DATES OF LAST ACTIVITY BETWEEN XXXX, XXXX, AND TRANSUNUION. THESE ACCOUNTS MUST BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. 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 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  THESE ACCOUNTS ARE REPORTING INACCURATE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN XXXX, TRANSUNION, AND XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with TD Bank three weeks after the account was opened, I deposited cash into my account at one of there XXXX XXXX 's. The same day or the day after my cash deposit. Approximately {$7000.00} in fraudulent checks were deposited at the same branch location. I was informed by TD bank employees at there XXXX location were I opened the account, that my account was closed and TD Bank would no longer allow me to bank with them in the future. I found this odd, seeing how I was the victim of fraud do to a breach of the banks security. I have visited TD Bank many times asking for my money and or information on my closed account and have been told that there have been attempts to contact TD 's fraud department by email which has been met with no reply and that it isn't anything that can be don about it.
Product: Prepaid card

I received a direct deposit on Friday XX/XX/XXXX and the company froze my account because somebody tried to process a transaction in XXXX XXXX XXXX  which I live in XXXX XXXX  the agent from the XXXX department explained to me that he could not release any funds because of the fraud but that it was not going to go through because it was still pending and I had to purchase another card which received that XXXX I believe which was the second of XXXX this gentleman advised me more than once that my full amount would be there and it was not now they are trying to tell me that there's an investigation going on with that transaction and I can not get any of my funds that's {$300.00} I went the whole weekend including XXXX XXXX  without any funds when I have a XXXX XXXX XXXX that I need to provide for they also made me submit the dispute in writing and still have not provided me my {$300.00} that I desperately need.
Product: Consumer Loan

Toyota Financial Service as aggressive and sneaky collection practices. The dial your phone utilizing numbers with area codes from XXXX, XXXX ( XXXX ) to various California numbers. Today, XXXX/XXXX/15, I was working from home and answered my phone since I though it was a relative calling from the XXXX area code only to find out that it was Toyota calling about my late monthly payment due. I informed the TFS representative that I was in the middle of a work call and would need to call back later to set up payment for later this week. The TFS rep stated she could not hang up since I knowingly answered my phone during my work time. I asked why and she was silent. Then I said : is this so you can document that I hung up on the call without setting up a payment today? The TFS rep said verbatim : " Exactly ''. I then demanded to speak with to her supervisor since this was rude and unaccommodating behavior since I clearly stated my intent to call back at a later time tonight or tomorrow to set up a payment. The supervisor, XXXX/ID # XXXX, reiterated their collection tactic and was continually aggressive about setting up a quick payment now. I begrudgingly set up the payment with the TFS supervisor that I planned to pay on XXXX/XXXX/15. While the were someone polite their collection practice was obnoxious and does n't respect boundaries. If I state that I will call back or they can call back at a better time, that option should be recognized and honored.
Product: Debt collection

I disputed an incaccurate collection entry on my credit report with TrueAccord on XXXX requesting validation under FCRA and FDCPA. I received only a tracking label on XX/XX/ with no documentation or verification, failing to meet legal requirements. I demand full documentation and compliance, and I'm including this complaint with my follow-up letter.
Product: Debt collection

I disputed a debt with Blackwell Recovery, and they're still making attempts to collect despite being informed in writing that the debt was disputed and they had no right to do so. I informed Blackwell Recovery that the debt needed to be returned multiple times, in writing, and they've thus refused to do so. I'm exercising my right to have the debt returned to the original creditor and are violating that right.
Product: Mortgage

Called on XXXX with a simple question about changing my homeowners policy and how is the easiest way to handle that. I spent nearly 45 minutes working my way through their phone tree before I finally got a live rep, during each transfer of the process I was told " this is an attempt to collect a debt ''. My mortgage has never been past due and is usually paid 5-8 weeks in ADVANCE. As of today I don't owe a payment until XX/XX/XXXX and they are trying to collect a debt? I finally got a customer service representative who refused to help me, I asked for someone else a supervisor/manager that could answer the question, she refused and then transferred me elsewhere. I will need instruction on how to change my insurance carrier and since it is impossible to work with PHH filing a complaint is the only way to get somebody to discuss this with me.
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  Account # XXXX XXXX ) XXXX XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX Account Number : XXXX XXXX ) Chapter XXXX Bankruptcy Case Number : XXXX XXXX ) Chapter XXXX Bankruptcy Case Number : XXXX XXXX ) Chapter XXXX Bankruptcy Case Number : XXXX XXXX ) XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX Card Account # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX  acct # XXXX XXXX ) XXXX XXXX XXXXXXXX partial account # XXXX XXXX XXXX XXXX XXXX XXXX  Holding partial 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 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.