23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an account with XXXX XXXX XXXX XXXX XXXX. They were billing me on a monthly basis. I was not satisfied with t he service and attempted to cancel the service. They continued to draw money out of my account. I cancelled the credit card and that was being billed. Three months later they called me to try and collect for a past due amount. I told them at that time that I wanted to cancel and then they told me that I was in a contract and could not cancel. I had never agreed to that. I told them that I did not owe them and that I wanted to cancel. 

I received a call last week from a collection agency called XXXX XXXX XXXX trying to collect on this debt. I explained to them the problem and they stated that they will continue to try and collect. I have now received a letter from the requesting payment. m This debt is not valid and I want them to remove it from my credit report and also stop all forms of communication.
Product: Mortgage

Several years ago, we were granted a loan mod by Bayview Loan, who are servicing our XXXX XXXX XXXX mortgage. There have been no issues inasmuch as we have never missed or been late with a payment. But suddenly, in true form, theyve decided that our loan mod is no longer viable! No reason! If you check your database, youll see that I started reporting my findings about XXXX many years ago, and my findings were accurate inasmuch as the CFPB fined them. ( For which Ive received no restitution from their fine. ) Now Im dealing with Bayview, and here we go with their shenanigans. HELP!
Product: Credit reporting or other personal consumer reports

Please note that the recent response from Equifax to the CFPB ( case # XXXX ), is unacceptable The company is ignoring my request, If they are reporting negative information that I did not consent nor given PERMISSIBLE PURPOSE to any of all inquiries on my submitted list with NO proof as of my consumer right by law. If they are not removed immediately I will seek damages through my FCRA attorney for the hurt EQUIFAX have caused me and my family. If you ( Company EQUIFAX ) are reporting it on my report they should be held liable, it is your company 's responsibility ( EQUIFAX ) to investigate and as I see you are fully in violation in doing so. REMOVE ALL FROM MY REPORT IMMEDIATELY!!!! 
CFPB I'm asking that you hold them accountable to my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an existing account with XXXX XXXX XXXXXXXX and at the time i was doing XXXX XXXX through a site called XXXX. I was hired by an individual to do some work which they sent me a {$5000.00} check to be deposited into my account and hire a model for the shoot which is what i did. I never received any money from the bank, thank god, and the account was flagged for fraudulent activity which i had no knowledge of, im just and honest man trying to make and honest living and Ive never scammed anyone a day in my life. But XXXX XXXX  XXXX closed the account and put it on my early warning consumer report wnd refuses to remove it after I explained and showed them the supporting documents from the scammer
Product: Credit reporting

XXXX XXXX sent me a letter on XXXX XXXX, XXXX indicating that the XXXX reporting agencies would correct the delinquency errors on credit reports. An automatic stay had been issued on XXXX/XXXX/XXXX and XXXX mistakenly placed a delinquency on my report on XXXX. XXXX and XXXX corrected the error, but Transunion continues to list the loan as an adverse account. I disputed the account and uploaded a copy of XXXX letter ( attached ), Transunion removed the delinquency date of XXXX, updated my report to indicate I disputed the delinquency, listed the loan under adverse accounts, and will not remove the account until XXXX. Transunion has flagrantly ignored the directive from XXXX XXXX for almost 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}
Product: Money transfer, virtual currency, or money service

Money was transferred through www.TransferWise.com to a bank account that belongs to a fraud/scam. 
XXXX Euros on XX/XX/XXXX XXXX Euros on XXXX XX/XX/2019 XXXX Euros on XXXX XX/XX/2019 XXXX Euros on XXXX XX/XX/2019 The fraud 's bank information : Name : XXXX.XXXX.XXXX.XXXX.XXXX Address, : XXXX XXXX XXXX : XXXX XXXX XXXX..XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Address : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Swiftcode : XXXX XXXX XXXX
Product: Checking or savings account

they keep charging overdraft fees on top of more fees the first charge was an bank error twice in one week is a bit much they barely give u a day to pay it back ( e.g. letting a check clear of other money services ) they post charges when they want to catch you in fees I want to pay the bank the {$18.00} I owe them they charge fees on top of fees its a cat and mouse game with a finical institute
Product: Debt collection

In CU RECOVERY 's response to CFPB Complaint # XXXX, CU RECOVERY mentioned XXXX Employees XXXX placed two alleged accounts of mine in their office for collection. They were not supposed to collect my location information. 15 USC 1692a ( 7 ) defines The term location information means a consumers place of abode and his telephone number at such place, or his place of employment. The fact that they collected my name, telephone number and address is an infringement to my privacy, pursuant to 15 USC 1692 ( a ) that is a violation.
Product: Debt collection

Hello, I have asked that my work number not be called by the pay day loan company Loan Till Payday. Ive asked verbally and in writing via email. They continue to call my job and cell phone daily. They are now calling my work twice a day. Their newest tactic is calling my coworkers and asking for me instead of using my extension. This is harrasment. Ive told them that I can not pay and will be filing for bankruptcy. Even after telling them this, they call my cell and work number 4 times daily.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXXXXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX, XXXX, XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5000.00}, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5100.00}, XXXX  Original creditor XXXX  XXXX XXXX  : {$18000.00}, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a wells Fargo jewelry card and tried to contact them to get into a hardship program and could not get a representative on the phone or sign up online. This caused me to be 30 days late, I would like to have this removed due to that and the cares act.
Product: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the error category. 
( 4 ) the creditors failure to accurately reflect a payment made by the obligation or credit issued to the obliged on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
15 U.S. code 1681a ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding listed accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error- therefore. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from my credit report and update my accounts to paid as agreed. The FCRA allows 30 days for these errors to be rectified. 

With XXXX, XXXX, and Experian account : XXXX XXXX account number : XXXX Has reported XXXX late payment dates XX/XX/XXXX and XX/XX/XXXX I have never been late on this account or any accounts Account XXXX ( account # : XXXX ) is being reported on XXXX, XXXX, and Experian as late on date XX/XX/XXXX. I have never been late on this account or any accounts on my report XXXX XXXX XXXX ( account # : XXXX ) is being reported on XXXX, XXXX, and Experian as late on dates XX/XX/XXXX and XX/XX/XXXX. It is also reported on my Experian late also on XX/XX/XXXX, XX/XX/XXXX, and from XX/XX/XXXX through XX/XX/XXXX as late. I have never been late on my mortgage account or any account on my credit report. 

Account XXXX XXXX XXXXXXXX ( account # : XXXX ) is being reported on My XXXX, XXXX, and Experian as late on date XX/XX/XXXX ). I was never late on this account or any accounts. 

In XX/XX/XXXX. I mailed XXXX, Experian, and XXXX to please either show proof of late payments or please update my credit as never late. I have yet to receive a response from them or any update in n my credit report.
Product: Mortgage

On XX/XX/2018 I signed a contract to sell my home at {$120000.00}. The settlement date was XX/XX/2018. TWO DAYS prior to settlement, Wells-Fargo, the buyer 's lender, shut down the loan due to paperwork missed and poorly recorded on their end. They claimed this was due to the date of the buyer 's second FHA mortgage being too soon to the sale date of my current home. Something that was either incorrectly recorded or something that should have been found long before XX/XX/2018. I was contingent on the sale and therefore could not purchase my new home later the day of settlement.

Since then, the home I was going to purchase was put back on the market and I had to put my home back on the market shortly before XXXX. This is the slowest time of the year for real-estate and I have received significantly lower offers on the home since this incident started. Offers I can't accept because of the purchase price of my new home.

Additionally, I had 1 business day to cancel all of the utility/service transfers as well as new accounts I set up for my new home. I had to intercept mail being sent to my new home, I had repairs I had paid for the buyers, and both of my cats got sick when being sheltered for more home showings. Not to mention all the stress and chaos I have had to endure over the past few weeks. I bought appliances for my new home that sit in a XXXX warehouse while my credit card gets hit for the purchase. I have had to add additional time to my storage needs and live out of boxes while I try to sell my home. I lost electricity for a day, which included my heat in the dead of winter, since it was such short notice and I was mis-routed to the wrong department the day prior.

My mental state is exhausted with the stress Wells Fargo put on me. Surely, the buyer 's family is suffering as well. I have worked numerous hours on reversing the outcome of Wells Fargo 's last minute decision and I am still feeling the affects of their clearly untrained or uncaring staff. My work-life has suffered and as a single owner and only occupant for this home, I am taking on all costs and time spent dealing with this issue alone. Soon I will lose the new home I was under contract to purchase as it has been too long for them to wait for me.
Product: Prepaid card

In XX/XX/year> someone in another state used my card account at the same time I was using it in my home state. I bought this to their attention! There was {$90.00} used. They said the payment someone else made was " pending '' and had to go through. I asked them WHY they would allow a fraudulent payment to go through when the owner of the card is telling you it is a fradulent charge? The charge was in XXXX XXXX and another charge from XXXX XXXX  was allowed to go through on the same day. They made me wait days to return my money even though I told them it was XXXX and I really needed it to purchase a gift. They told me I XXXX have to wait up to XXXX  days! I spoke to a XXXX and filled a complaint with customer service. The same answer -- I had to borrow the money from someone else to buy the gift. I continued to tell them that " I '' was their customer and should be their priority.and getting the same answer -- that they were investigating and I XXXX have to wait up to XXXX  days! I no longer have that card. I got a new one and put that card number where it was requested.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy discharge : Ref. # XXXX. XXXX XXXX : Acct. # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent them the 609 letter requesting that they send me documentation of my contract with my signature. None of the credit agencies have responded and its been 30 days they have to show proof. I was never notified of my car being repoed.
Product: Credit reporting or other personal consumer reports

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 the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 

I'm and sick and tired of going through this XXXX with you people. Now this account was already deleted from Equifax and I need this account deleted from XXXX and XXXX as well! 15 USC 1681n and more importantly 15 USC 1681o are well in play here. If this account does not get deleted immediately I will seek legal council immediately and file a complaint with the XXXX DELETE THIS INNCAURATE ACCOUNT!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX were hacked by a person who had stolen my tablet giving the predator the ability to access my accounts by causing the account to overdraft and then using fraudulent checks to obtain fraudulent transaction. 

This is the last time I am going to report this fraud and lack of accountability for the theft against my account and my credit report.

I have sent Police Department Reports and filed multiple reports with the FTC.

This is a violation of the law and the fact that they are not responsible individuals whose actions have shown they are morally wrong to do anything harmful to their customers.

This violates the law of the FCRA 605 B
Product: Credit reporting or other personal consumer reports

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

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 inructions 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.

These are the inquiries which should be off from report.
Product: Money transfer, virtual currency, or money service

XX/XX/17 I contacted my bank to do a wire transfer to XXXX. 
The amount of {$10000.00} was wired from my bank ,XXXX XXXX XXXX XXXX XXXX , to XXXX 's bank, XXXX XXXX XXXX . XXXX had to get some more info from me before the deposit into XXXX 's account could be made. I supplied the information and the money was transferred. I waited for it to show up on the site in my account. I called after 5 days support had told me they were backed up and that it would be deposited in my account shortly. I have called them 2 to 3 times a week since then having no luck with them. I have emailed and called asking for my money back to no avail. They emailed me usually after each call i made to assure me the matter was being looked into. Its been over 4 months now it feels like a scam. 
I need help.
Product: Credit reporting or other personal consumer reports

Today, I noticed some false accounts appearing on my credit report, and Im unsure of the reason. While reviewing my credit report as I normally do, I found unexpected inconsistencies. I attempted to refresh my browser, thinking it might be a technical issue, but the errors stayed. Because of this, I am asking for a careful review of the documents I submitted to ensure this problem doesnt happen again.