23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', Duane Morris LLP ( " Debt Collector DM '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of XXXX XXXX   XXXX ( " Debt Collector XXXX '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the  statement for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et  seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( XXXX ) said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector XXXX 's predecessor XXXX XXXX XXXX XXXX ( " XXXX '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on  XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling  {$15000.00} that were paid to and cashed by XXXX for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector XXXX predecessor XXXX crediting said payments to the subject account. ; and ( 2 ) Debt Collector XXXX, Debt Collector DM and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector XXXX predecessor XXXX without any legitimate reasons or explanation. 

Additionally, Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX and I was a victim of fraud from a scam company. I was hired for a company named XXXX XXXX XXXX, XXXX in New York. The company seemed legitimate and they sent me all the information proving that legitimacy. The company did a credit check on me and offered me a position as a XX/XX/XXXXXXXX XXXX. They were also able to check my credit card balances and told me which credit cards I should start using according to the remaining balance on each. 
They " hired '' me and told me to start a 15-day trial period using two of my  credit cards ( Bank of America Travel Rewards and XXXX XX/XX/XXXX XXXX ) to make purchases. 
They sent me 2 accounts numbers and two routing numbers from the " company accounts '' and told me to pay off these two credit cards. I was supposedly authorized with my name to add that two-account information to my online banking in order to make the money transfers to my credit cards. 
I paid my credit cards off several times with the funds they " allow me '' to transfer. My banks allowed these payments and I purchased thousands of dollars on XX/XX/XXXX and sent them to the address they provided me in XXXX XXXX ( I have the name and the address of the person in XXXX XXXX ). 
For some reason, after two weeks making purchases, the payments I did to my credit cards were reversed ; therefore, now I owe my credit cards the money I used to buy the XX/XX/XXXX. 
I would like someone to help me what other steps should I take. 
Thanks in advance, XXXX XXXX cell : XXXX email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to request the removal of a particular negative account from my credit report. Upon a thorough review of my credit report, I have identified an account that is having a significant adverse effect on my creditworthiness and financial stability.
Product: Credit reporting or other personal consumer reports

I filed three complaints that are ongoing against improper practices of Transunion with my credit score. They dropped my score XXXX plus points a few days ago and dropped it another XXXX points today? This appears to be a retaliation to my previous XXXX points that the company has yet to respond to? Who can help with them continuing to drop my score as a retaliation for complaining to you?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not applied for these accounts. Please remove them as soon as possible from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i, the consumer sent a letter in response regarding innaccurate and unknown things on my credit report.to this day over 47 days later. I have not recieved a response yet. I feel as a federally protected consumer im being taken advantage of and being igniored of my dispute. Section 611 ( a ), It is plainly that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. it has been over 47 days. So they should be deleted promptly. I demand these accounts be deleted immediately or i will file litigation due to the stress you have caused me. My infomation was also impacted by the equifax data breach and may have gotten int the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$1100.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : [ XXXX XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.
Product: Checking or savings account

XXXX. ) About 12 days ago ( today is XX/XX/year> ) my online ability to transfer funds was disabled. 
XXXX. ) Stated reason was " We have detected unusual activity with your account. '' XXXX. ) I've called customer service multiple days in a row now to restore full account access ( i.e., ability to transfer out funds ) and have been unsuccessful. Company says only the " Fraud Department '' can help me now. 
XXXX. ) I use my account to pay my mortgage and now I can not do so.
Product: Credit reporting or other personal consumer reports

I contacted all three credit bureaus to have old and closed information removed with no response. The closed accounts that need to be removed are two from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account was open in XXXX. Ive been paid that account off they put somebody elses account on my credit. They refresh something on XXXX XXXX. This is not my account. I have no knowledge of this a first progress ending in XXXX reported on XX/XX/XXXX XXXX XXXX that collection is not mines I had a old XXXX XXXX credit card with XXXX Bank and that was charged off. This collection is not mine. I have no location to this account whatsoever. 
Ending in XXXX I have my FTC report as well
Product: Credit reporting or other personal consumer reports

Equifax has been found to rely on flawed processes and defective software, resulting in the misreporting of consumer data and credit scores, causing significant harm. These systemic failures have directly impacted my financial well-being. 
Under 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation into disputed information and provide a detailed report of your findings. However, your failure to uphold these duties not only violates federal law but also disregards the rights of consumers like myself. Please see attachment for the accounts that was opened fraudulent in my name with my authorization!!
Product: Debt collection

This collection company has been served a cease and desist letter and has not complied and continues to report this on my credit report and i do not owe this debt to no one.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

On XX/XX/2019 I received a Notice of Servicing Transfer from my current loan servicer, XXXX XXXX XXXX XXXX LoanCare , LLC. The notice said the loan servicing was being transferred from XXXX XXXX XXXX c/o LoanCare , LLC to XXXX XXXX XXXX XXXX LoanCare , LLC. This did not make sense, but I assumed it was an internal restructuring and that my loan would not be affected. 

On XX/XX/2019, I received an email notification that my mortgage payment had been received. This notice came from XXXX. I've never heard of this company. Their website indicates they are XXXX XXXX XXXX XXXX XXXX and that they are a loan servicing company. 

On XX/XX/2019 I called LoanCare to inquire. LoanCare maintains they are my loan servicer.

12 USC Section 2605 ( b ) requires a prior notice of a transfer of loan servicing. To the extent my loan has been transferred, I have not received the required notice. This is a violation of federal law. 

More importantly, I'm not sure that my loan, financial information, and banking information is secure. I've had problems with LoanCare previously in that they are reckless with the release of my financial information and do not take securing financial information seriously. I now fear they have released my financial information and allowed some third party to access my account. 

What is clear is LoanCare did not give notice as required by law, that XXXX withdrew money from my account without my consent or knowledge, and that some confusion remains between LoanCare and XXXX as to which of these entities is the loan servicer. 

Will you take some action?
Product: Credit card

On XX/XX/year> - we were scammed by a company called XXXX XXXX XXXX XXXX. For our {$23.00} taxi ride, we were charged {$1900.00}. We had originally asked the driver how much our fare would cost and he replied " cash meter ''. When the ride was over, he put a different amoutn ( XXXX pesos ) into his machine than was showing on his meter ( XXXX pesos ). The taxi driver told us that he could not provide a receipt when we got out of the cab. We knew that this was fishy, so we checked our credit card app and saw that we'd been scammed. We immediately called Barclay Bank ( this was a Barclay 's JetBlue Card ) and told them what happened. We asked them not to honor the charge. They said that they had to wait until the charge posted to my account. The charge posted XXXX days later. The original charge on XX/XX/XXXX listed the Merchant as " unknown '', but two days later, the merchant was listed as a " travel agency '' named XXXX XXXX. 

Barclays has twice denied our dispute to this charge, claiming that we have not provided sufficient documentation. We were not given a receipt, so there is no documentation to provide. Our research has revealed many many scam complaints against XXXX XXXX XXXX. We believe that Barclay should have alerted us right away to this suspicious charge, and that they should reimburse us for this fraudulent charge. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX XXXX  is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my XXXX  credit report and from the XXXX Assessors website.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the late payments reported on my credit account referenced above. The payment history reflects 30-day and 60-day late payments as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and other dates. I believe these entries are inaccurate and incomplete under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the following : XXXX. Validation of the Late Payments : Please provide documentation verifying the accuracy of the late payment reporting, including specific dates of payments and account statements. 
XXXX. Correction or Removal : If you can not fully verify the accuracy of this information, I kindly request that you remove these late payment notations from my credit reports. 

As you know, under the FCRA, inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file within 30 days. Failure to comply with this legal requirement may result in further action. 

Please provide a written response within 30 days confirming the removal or validation of these late
Product: Money transfer, virtual currency, or money service

As of XX/XX/XXXX Chase XXXX ( aka WePay, Inc ) canceled my XXXX XXXX account. They began withholding my funds as of XXXX XXXX. After several attempts to contact and reach an understanding - the best reason they could give me was that there wasn't a reason and their team just decided it was time. 

I tried appealing the case and they turned me down once more. After multiple emails regarding the appeal I ended having to call in a couple more times as they didn't answer my email. 

To date- they are indefinitely withholding {$3200.00}. Being that I'm a small business owner this is obviously a very big deal. Trying to make payroll with funds that never came through is tough to say the least. 

I believe this also breaches their deposit agreement since they're holding the funds indefinitely without reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. Equifax is being disingenuous. I sent them credible evidence which was actually the cover page of their credit report and their letter and they STILL HAVE NOT SENT ME A CREDIT REPORT!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated an online wire to XXXX, a company owned and operated by XXXX XXXX. The {$8600.00} wire was payment for a research project for my daughter over the summer. I had been communicating by email with XXXX XXXX about the research project for over XXXX weeks. XXXX XXXX emailed his banks wire information. A perpetrator either hacked my email or XXXX XXXX 's email and substituted his bank account information for a fraudulent account. 
The wire was outsourced through my Bank XXXX Wells Fargo ) and completed on XX/XX/XXXX. Since I did not hear from XXXX XXXX 
XXXX, I emailed him to ask if he has received the funding for the project and he said no. We called each other immediately and began reviewing our emails. We discovered that the email he sent containing the correct bank information was deleted and a different attachment containing the fraudulent information was inserted. I immediately changed the password on my email, contacted Wells Fargo, and filed this report. Wells Fargo will try to recall the funds but did not promise a return of my money.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 



Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297.  Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Mortgage

Complaint ID XXXX-XXXX  Still I am not satisfied with the company response. According to the recent company statement I started in XX/XX/XXXX with a balance of {$350000.00} and my outstanding principal balance today is {$330000.00}. After paying {$32000.00} in 12 payments from XX/XX/XXXX to XX/XX/XXXX. If I see their amortization schedule my principal should be less. ( I will to attach with this letter. ) after paying 12 payments in 9 month, I paid {$3000.00} for 7 times and 5 regular of {$2200.00}. I paid three extra payments of XXXX from XX/XX/XXXX, to XX/XX/XXXX by 4 month. Then from XX/XX/XXXX to XX/XX/XXXX I started paying regular XXXX my regular mortgage payment, because they don't use my extra money toward my principal. why is my principal that high still don't know I am missing more than {$2000.00} in my principal. 

The company sent me a paper copy and also on their website there were too many additions and too many subtractions, that doesn't make any sense to me how they come into this balance Looking at the outstanding due it doesn't look to me okay that's why I called the company again and again they did not correct it, now I asked XXXX as a third party to look at the account and tell me if it is okay. I will attach all of my documents, you will tell me if I am saying anything wrong. 



Thanks for your help XXXX XXXX XXXX