23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX I reviewed my credit report and found there was a collection account placed on my credit report from Commonwealth Financial Systems. I filed a dispute with the XXXX credit bureaus in writing on the same day. They updated the account with the XXXX credit bureaus but never provided me with documentation on the debt being mine. The credit reporting agency XXXX gave me a telephone number to reach them because there was nothing else for them to do. I called in XXXX and spoke with XXXX XXXX. He told me that the bill was for someone else who was a minor at the time. I stated that this was not my child nor was I in any shape or form responsible for this person. He stated he would request the medical records/discharge papers to see who signed for this child and to call back in a week. I called back and spoke with XXXX XXXX on XXXX and he stated that the information had n't been received by the client as of yet. I also explained to him that the child the bill belong to was a foster child and a ward of the state he told me to get something in writing and that they would rectify the matter because they see this often with social workers. Then on XXXX XXXX I called back to see if these medical records were received and was told they are waiting on the client to get back to them. On XXXX XXXX I submitted a letter to Commonwealth Financial Systems from the agency stating that this child was under their care. On XXXX XXXX I was told that my account was placed on hold and they would reach out to client relations to find out why. Today XXXX XXXX I spoke with XXXX who was condescending and stated she would hang up on me. She also stated that she has to reach out to the client to obtain the information. They are in violation FCRA laws by reporting a debt that in not mine and harassing me with consistent stall tactics. They also violated the 30 day rule in which they are to provide proof that the debt is valid through investigation.
Product: Money transfer, virtual currency, or money service

I used XXXX App to send {$1000.00} to my daughter in XXXX, there were no indication at the time of remittance that there is a problems with my transaction but when it was delayed I checked with the bank ( US Bank ) then I received a 34 page " On line use Rules and Regulations '' to complicate already devastated situation.I want to know from the bank " What is the purpose and Need '' of such a long write up?

1-To confuse 2-To show the authority 3-To hold other peoples money in their account.

It is simply not needed and must be removed immediately.

Thanks XXXX XXXX, XXXX XXXX XXXX XXXX State of Oregon
Product: Mortgage

The following is in reference to a new complaint. The previous one was completed. This is in reference to property located on : XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. This loan has been discharged in bankruptcy. The lien was extinguished when the property was foreclosed on XX/XX/2015. The account is closed. It needs to be updated as " cease & desist ''. I have requested a " release of mortgage " to Shellpoint Mortgage and have been unable to resolve this. I would like to purchase a home in the near future, and this is affecting me. I would greatly appreciate your assistance with this matter. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian inaccurately is reporting eleven ( 11 ) inquiries on my credit report that I do not  recognize. The credit report inquiries are : XXXX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Removal date : XX/XX/XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Removal date : XX/XX/XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Removal date : XX/XX/XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill his legal obligation under the fair credit reporting at to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved. The consumer, financial protection Bureau has recently filed a lawsuit against Trans Union alleging systemic issues such as failed to forward. Consumer provided evidence to furniture, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where my trans union has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit stand. I am requesting immediate corrective action to remove or amend the disputed accounts as a transunion in action, violates federal law and rights as a consumer.
Product: Debt collection

I reached out to XXXX on XX/XX/2022 and asked them to remove/block an closed fraudulent account on my credit profile and was told that they will. 
and until this day no action was made.
Product: Credit card or prepaid card

i was in a car accident where somebody came and hit my car from the back. The other party 's insurance company took the liability COMPLETE liability of the car and personal liability, * ( letter attached below ) following week i was having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i told them i was in an accident and i want to be seen because i am unable to continue to go to work and am struggling to work and having XXXX XXXX XXXX XXXX XXXX XXXX  the billing lady she asked me to fill a form and asked me to keep a credit card on file and mentioned * WE WILL NOT CHARGE YOU, WE WILL BILL IN THE INSURANCE COMPANY BUT ITS OUT POLICY* i was in such a trauma due to losing my job because of this and not being able to walk, being a XXXX student i was worried how will i be able to do clinical when my semester starts. So i get home and i see they have charged me i tried calling them they said oh we were not sure who to reach out to, i told them the lady in the reception made me fill out a form and she said that the insurance company will be billed it is just the policy to keep the card on file. they said we will look into it and since then they have not responded to me. i spoke to XXXX ( liability other parties ) insurance company they said XXXX XXXX never reached out to them. 

WHY am i being charged for it? I have the letter where they are taking this liability and the urgent care never even bothered to reach out to the insurance. 

** this transaction was NOT AUTHORIZED by me as i was lied to by the XXXX XXXX team and now they haven't been responding to my emails. IN TIME as a customer i reached out to my bank and placed a dispute they took nearly 2 months and came back to me closing in their favor where i even supplied all the documents they asked for ( attach below are all the things u will need, a liability acceptance and the bank denying the dispute ) it is an UNAUTHORIZE transaction when i was more concerned about being checked for my XXXX XXXX and injury. 

XXXX XXXX never reached out to my insurance, they falsely charged me and now they won't even connect me to anyone for me to resolve the issue with them. I should not be liable they need to contact XXXX insurance and come back to me with a PROOF that XXXX isn't taking or accepting to pay which won't happen because the letter attached below CONFIRMS XXXX accepting the liability.
Product: Mortgage

I applied for a loan modification back in XXXX 2015 and submitted all the required documents timely. Called back every week and spoke with Seterus and documented each call. I was told that all my documents had been submitted and are in process. The Seterus representative told us that it was passed to the processor for final approval. In XXXX 2015 we received a letter stating that we were denied loan modification because we did not submit the requested documents timely. We called again, and was told that the letter was sent in error, and call back in 2-3 days for final approval. When we called back we were told that our application had expired and we needed to resubmit every document. It 's clear that they are running a scam with no intention of doing loan modifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX and XXXX XXXX  are committing auto dealer fraud and I have reported this to my states attorney general office. I purchased a vehicle from XXXX and was financed through a company called XXXX XXXX 30 days later westlake resend the loan and XXXX assumed the loan without my written consent. XXXX changed the terms as well as forged my signature using an electronic signature. All of this was without my consent. I am not liable for a loan I didnt sign or have any knowledge of
Product: Credit reporting or other personal consumer reports

Illegal Hard Pulls on my Credit Report. Did not Authorize these hard inquiries.
Product: Credit card or prepaid card

OnXX/XX/XXXX I called XXXX XXXX Credit card that I overpaid my bill by {$310.00} and I requested to send me my money back - I should receive check from 7-10 days. 
I called XXXX XXXX card again after 16 days on XX/XX/XXXX and I've told representative that my refund check didn't show up yet. 
He offered me to cancel first check and issue new one after 7-10 days. 
After 14 days on XX/XX/XXXX I called XXXX XXXX Credit Card and I asked them to check what did happen to my second refund check? 
XXXX XXXX Credit Card representative told me that currently they are working on fraud case to determinate who took my check and my money from my account? 
So I won't get any money until the case is closed. 
They didn't give me case number and they took money from my XXXX XXXX Credit Card account. 
Would you please help me to force somehow XXXX XXXX Credit Card to refund my overpaid amount {$310.00}? If I own them money they charge me late fee {$35.00}, when they own me I should charge them {$35.00} but I can't. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 's account : XXXX
Product: Mortgage

I submitted a loan modification package to my lender Nation star. I was given an approval for a HAMP Tier 2. In the documents I received and after a conversation with the assigned representative I was told verbally and in writing that the only reason I was denied for a HAMP Tier 1 was because I did not live in the property. I do live in this property and I sent them the requested documents to prove that I live in the property. I was told that the file had to be re-reviewed. I followed up a few times and each time I was told the file was under review. I called yesterday and spoke to a different representative who informed me that all of that was n't true. That I had to appeal the decision. This whole time I was told wrong information and was left waiting for a review that was not going to happen unless I appealed. Now after all this time wasted I still have no clear answer as to what is going on with my file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX 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.

This company 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Multiple Errors Across All 3 of My Consumer Reports for an Account XXXX 
Date Opened Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

Date Last Active Can not Be THREE Different Dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Date of Last Payment Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

The Date of Last Payment is The Date of Last Activity. This Alone is a Severe Consumer Reporting Violation. 

No Balance Can Be Listed On A Charge Off Account. That's Double Jeopardy Violation. 

The Legend Account Status for this Account : Is Empty/Blank for XXXX. 
Listed As CO repeatedly Every Month for the Past 2+ Years on My XXXXXXXX Consumer Report. 
Listed as OK on My Equifax Consumer Report repeatedly every month for the Past 2+ years. 

I have Lost Count of How Many Violations and Errors appear throughout my consumer reports. XXXX, XXXX and Equifax have all Numerous Consumer Reporting Violations, Errors, and Misrepresentations of my consumer reports. 
This continues to cause severe harm to my consumer reports and Violates My Rights.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX Balance {$3800.00} BANK XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$890.00} XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a 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

Wells Fargo published false and derogatory in formation about me when reporting to credit agencies. I wrote to them and they replied telling me the apologized and had corrected the issue. However, my credit report again shows they published new information with additional false claims. How can I get them to stop this defamation permanently?
Product: Credit reporting or other personal consumer reports

I am disputing several accounts that appears to be the result of fraud and identity theft. These accounts was transferred without my consent, violating my rights under 15 USC 6802 of the GLBA, which requires that I receive full disclosure before any transfer or sharing of my private information. The original creditor failed to provide this disclosure, and I did not authorize this debt or the collection agencys handling of my information. I have filed an Identity Theft Report with the FTC, revoked any consent to possess, use, or share my private information, and requested immediate deletion of this fraudulent account from my credit file. 
Furthermore, I am requesting that these accounts be removed within 4 business days under 15 USC 1681s-2 ( 6 ) ( B ), as its continued reporting suggests an attempt to extort payment for a debt that I do not owe, violating the FDCPA. XXXX XXXX XXXX has failed to provide verification that they are legally authorized to collect this alleged debt. There are multiple inaccuracies on my consumer report. Please investigate and assist in removing these inaccuracies from my consumer report immediately. See attachment for further details.
Product: Credit card

I submitted a credit dispute related to a charge of XXXX on an American express CC ending in XXXX for a charge at XXXX XXXX on XXXX/XXXX/2016. Charge was unauthorized because this reservation was not associated at any time with this specific credit card. The hotel had this CC on file from another transaction and proceeded to bill this CC. I never provided verbal to written approval for this charge. All other transactions at this hotel are associated with a signed agreement. I disputed the credit with AXP. 
The hotel provided AXP with folio information but never a signed agreement related to this charge. AXP made a determination in favor of the hotel on XXXX/XXXX/2016 without having received details from the hotel which it seems to have received on XXXX/XXXX/2016. I am requesting a reversal of these unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please let me know what is this account, how it ends up on my credit report and where's the papers that I signed? If you can not provide you have to delete this.
Product: Credit reporting or other personal consumer reports

I recently obtained copies of my consumer reports from the credit reporting agencies ( XXXX, Trans Union, and XXXX ) to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : XXXX. XXXX XXXX Account # XXXX. Upon reviewing my credit reports, I have noticed that your bank is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports. It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( XXXX XXXX  ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports. Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( XXXX XXXX  ) which qualifies it as information that should not be reported on my consumer credit reports! By reporting this transaction on all of my consumer reports, XXXX XXXX  appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).
Product: Debt collection

I told them to cancel this and I never accepted service, I chose XXXX and can verify that at that time I had XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for reporting XXXX accounts associated with XXXX XXXX XXXX on my credit report : Account Number : XXXX Account Number : XXXX This company is no longer in business, and there is no contact information available to verify the accuracy of these accounts. Both XXXX and XXXX have removed these accounts from my credit report after confirming this issue. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to report only verifiable and accurate information. Continuing to report accounts from a defunct business without proper verification constitutes a violation of the FCRA. A simple search would reveal that XXXX XXXX XXXX is no longer operating, and therefore, these accounts can not be validated.
Product: Bank account or service

Capital One Direct Banking claims they never received a deposit of {$170.00} money order by mail which was sent a week again and I did another moneyorder for {$170.00} priority mail, now they are returning my items but they are affecting my credit. The post office advised it was received but the bank now claims they do not have it. I need to be able to pay my bills but according to the the person I speak today advised no deposits since XX/XX/XXXX but I received a direct deposit to the account on XXXX/XXXX/16, I do not believe, I have been a customer for 10 years but they are causing my credit rating with the return items. The money orders have not been cashed yet but that does not mean they did not receive them. I want all return checks fees plus my {$340.00} credited to my account otherwise I file fraud charges against them.