23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam : I am the owner of the account # : XXXX. 
The case ID for this claim is # XXXX. 
Date : XX/XX/2020 Amount : {$350.00} Ref # : XXXX Date : XX/XX/2020 Amount : {$50.00} Ref # : XXXX I did not make or authorize these transaction ( s ) that appear on my bank account. I reported the card as stolen they told me they were going to solve it and I immediately turned off the card using the Wells Fargo app on my phone. The problem is that since the claim was denied they have been charging me interest and late fees on something that was stolen from my card. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

So the complaint is against Caine and Weiner. I have sent over proof that I don't owe the debt amount of debt that they are trying to collect on. I a m being charged for a apartment that XXXX XXXX had had wrongfully accuse me of leaving a dirty apartment and for 3 months back rent. I have sent over proof that I don't owe the debt and they said that they have sent the information back to the original debtor so as to adjust the debt. Its been a month and I have gotten nowhere. I have worked with the boss a mr. XXXX and he is no help at all. Submitted below is copy of the lease as well as pictures of the apartment.
Product: Debt collection

I keep receiving letters concerning a debt to original creditor XXXX XXXX XXXX XXXX. I have NEVER had a cell phone in my name. EVER. I tried to call EOS/CCA, US Asset Management to resolve this. All they did was try to phish more info out of me and demand I pay. When I asked to prove the debt, the agent said they did n't have to and when I refused to pay the {$470.00} offer in payment for a debt of {$940.00}, she hung up on me. I think they are sending out letters to try to get suckers to pay debts that are n't theirs.
Product: Debt collection

SLS attempted and has extorted monies owed me from the selling of my property at XXXX XXXX XXXX XXXX, Tx. XXXX. I sold my property in XX/XX/XXXX. SLS was properly communicated with and notified by the buyers title company that the XXXX taxes were being transferred to, and paid by the buyer. Fully knowing that taxes are n't billed until XX/XX/XXXX, and due by XX/XX/XXXX ... SLS had just bought my loan from XXXX in the mist of my selling transaction, so in the hast to extort some monies out of the deal the XXXX added a escrow/impound advance balance to the closing cost statement in the amount of {$2600.00} fully knowing the above mentioned to them by the title company. In speaking to the Texas Tax Authorities NO XXXX taxes were paid by SLS on the property, nor was there ANY insurance payment made to any insurance company. The last taxes were paid by me in XX/XX/XXXX ...
Product: Debt collection

I am a senior citizen Identity theft victim I XXXX XXXX XXXX year old identity theft victim Some criminal fraudulently opened 2 credit cards in my name with Comenity Capital Bank XXXX XXXX XXXX XXXX Ohio XXXX Some Thief opened a ikEA Comenity Bank credit card acct ending in # XXXX In my name I received a bill from Comenity Bank. Saying I owe a balance of {$870.00} due to them by XX/XX/2023 for a IKEA credit card account I did not apply For I did not open this this credit card someone stole my identity opening this Comenity credit card I do not owe money to Comenity bank I also received a separate letter from Comenity bank thanking me for a credit card application for XXXX XXXX XXXX Comenity Bank credit card saying to reply within 14 days to. Infirm infirmation I did NOt apply for either of these credit cards Im a XXXX  citizen Victim of stolen identity XXXX XXXX XXXX
Product: Mortgage

In XXXX of 2023 XXXX XXXX XXXX XXXX sold my loan to Selene Finance. On XX/XX/2023 my insurance came due and Selene Finance did not pay the insurance policy as stipulated in the mortgage agreement. The independent broker that did the deal paid the insurance policy from his own personal funds on XX/XX/XXXX with the expectation that once Selene Finance paid the the insurance out of the escrow account as required, his money would be refunded back to him. It is now XX/XX/2023 and Selene Finance still has not paid the insurance bill after the numerous calls I have made and the supervisors I spoke to, each of which told me that the insurance bill would be paid and they never paid it. I am not being threatened by legal action because the broker needs his money back. I made calls on the following dates and Selene Finance has still not handled their responsibility, each time telling me they would pay the bill : 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, 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. 

Both myself and my insurance company have sent them the declaration pages with the payment that is due and they have not paid. Last Friday, XX/XX/XXXX, the supervisor I spoke to said my file was erasing before his eyes and he needed to research and call me back. He never did. Today, XX/XX/XXXX, I received a letter they sold my loan. 

It was their responsibility to pay the insurance and owned the loan at the time the insurance was due and they need to pay it before the account moves to yet again another company. This is also the XXXX time this loan has been sold since XX/XX/2023, which feels excessive. 

Selene Finance needs to pay the total amount due of {$3200.00} asap.
Product: Credit card or prepaid card

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a 501 ( c ) ( 3 ) nonprofit organization helping communities via health educational programs, job training and children sports. 

Prior to the 2020 pandemic, many parents had signed up their children for our sports program making payments via PayPal. 

Due to the force of businesses being closed, XXXX informed parents that their children spot will remain as we continue to comply with the pandemic allocated by the state of California. 

On XX/XX/2020, XXXX received a request from PayPal for a refund because one of the parent 's credit card company stated the charge was not authorized and requested {$130.00} and placed a {$20.00} charged back on XXXX PayPal account. This is in reference to PayPal Case ID XXXX. 

XXXX provided proof to PayPal revealing it is an authorized payment and we had informed parents refunds would be processed upon their request in 30 days due to lack of staffing. 

PayPal disregarded our request to refute false claim, immediately gave the parent credit card company {$130.00} and imposed a {$20.00} charge-back fee on XXXX then placed XXXX account in a negative status of {$150.00}. 

On behalf of XXXX, I made several calls to PayPal Collections department to gain an understanding, provided proof that the parent was aware of the charge and the process in place to refund any parents request, to no avail. 

To this date, every parent requested a refund has received it and proof could be provided. We attempted to refund the parent creating the above case, yet PayPal system will not allow it to happen without paying for a {$20.00} charge-back fee. 

As a consumer, we are seeking understanding how this situation is considered as a charge-back. And if this is allowed, meaning parents claiming false accusations and XXXX  are imposed with a {$20.00} charge-back fee? If that is the case, something unethical is not right. A {$20.00} per person is not a lot of money, but when one multiply that by thousands and millions of false accusations, seems more like an unethical profit. 

XXXX is looking forward to your explanation and informing us if this unethical business practices are allowed. And if so, XXXX will appropriately inform parents of the consequences when making false accusations. 

Thank you in advance for your time. 

Best regards, XXXX
Product: Vehicle loan or lease

In 2016 I was in an accident in my finances XXXX through schools first credit union. I was having issues with 2 insurance companies and it took a while for the pay off to get authorized. Schools first was aware of the issue but still chose to charge off debt on my credit report, with a pending payment. I made an agreement with the attorney that works for Schools First, that instead of the charge off and repossession of a totaled car I would be sure the insurance company paid them in full, and the charge off was to be removed. Schools First is now refusing to remove the charge off on my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

We have been repeatedly trying to remove me as a cosigner from my adut sons loan. He is XXXX XXXX XXXX. He graduated in XX/XX/XXXX and he has been repaying the loans since he graduated. He has provided proof of graduation. He has provided the paycheck stubs necessary to prove he has the income to pay his own loans. His loan payments have been timely. I, on the other hand, am XXXX XXXX XXXX living on a fixed income. The amount that is being reported on my credit debt to credit ratio is impacting my credit extremely negatively. I need to be removed as a cosigner. He is perfectly capable of maintaining his own loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via XXXX, Equifax, and XXXX. 

I never was late on these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Checkr , Inc. for continuing to report criminal records that are more than seven years old in violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, under 15 U.S.C. 1681c ( a ) ( 5 ), explicitly prohibits Consumer Reporting Agencies ( CRAs ) from including adverse information, such as criminal records, that is more than seven years old in consumer reports. My records, which Checkr is reporting, are well beyond this timeframe. Despite this clear legal restriction, Checkr persists in disseminating these outdated records, which has directly impacted my ability to secure employment opportunities with companies such as XXXX, XXXX, and XXXX. 

These companies rely heavily on background checks conducted by Checkr. Due to Checkrs non-compliance with federal law, I have been unfairly disqualified from working for these platforms, which has significantly hindered my ability to earn a living and support myself.

I have made previous attempts to resolve this issue directly with Checkr, but my efforts have been unsuccessful. This ongoing violation not only demonstrates a lack of compliance with federal law but also perpetuates unnecessary hardships for individuals like me seeking legitimate work opportunities.

I respectfully request that the CFPB take immediate action to investigate Checkrs practices and ensure they cease reporting my outdated criminal records. Please let me know if you require additional information, including specific reports or evidence, to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to your timely response.
Product: Debt collection

Harley Davidson calls at a minimum of 4x a day! First thing in the morning and then 3x an hour later.. I have all documents to prove it on my call logs!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$3900.00} XXXX XXXX XXXX  {$1900.00} XXXX  XXXX bank {$630.00} XXXX  XXXX {$570.00} XXXX {$0.00} XXXX department store {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX bank {$2200.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX bank XX/XX/XXXX 15 USC 1602 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1666 b 15 USC 1681e ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 6802 15 USC 1692 ( C ) Privacy Act of 1974 Family and educational act of 1974 codes and infractions each reporting company has violated on behalf of the FCRA and privacy act of 1974 & family educational act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX/Experian after I purchased a credit report with XXXX on XXXX XXXX, 2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the Experian and XXXX last XXXX XXXX, 2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX* Balance : {$9800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 my credit report showed an inquiry from XXXX XXXX XXXX XXXX XXXX ). I am unaware of any contract with this company & there has been no permissible purpose for this inquiry made clear to me. I am requesting full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this inquiry accordingly & the remedy to the damages thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a XXXX XXXX XXXX. They have sent a request that it be deleted from credit and this was over 2 months ago, they said max it would take 30 days. This continues to report and it needs to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello after recently reviewing my credit profile, I realize there are some inadequacies on my report. I contacted the bureaus to make them aware of unknown inquires. These inquiries were made without my consent, knowledge, or authorization. I sent out a number of letters on XX/XX/XXXX and again on XX/XX/XXXX. I have tried on a number of occasions to rectify the matter at hand with the following : XXXX XXXX XX/XX/XXXX ( Experian XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XX/XX/XXXX ( XXXX ) There is also a company on my report that I do not recognize, do business with, or give consent to to acquire my personal information. This is a direct result of fraud since theyve acquired my information for their own financial gains. I have disputed this account and made them aware they are indulging in fraud knowingly violating my consumer rights : XXXX XXXX XXXX XXXX Its ridiculous how easy it is for these companies to take advantage of me and make me a victim of their fraudulent and unethical practices.
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 : XXXX 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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: Debt collection

Repeated phone calls constantly. Requesting original purchase agreement with original creditor. Requesting two years of bank statements with regards to this debt and proof of license and bond to operate in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting two lates on my account in XX/XX/19 and XX/XX/19 that should not be there. My ex wife missed the payment and I was never notified from XXXX XXXX that there were any lates, I didn't even know I was on the loan. As soon as I found out about the lates I went and paid them but they were already reporting late to my credit. This is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unnecessary negative accounts on my credit reports that needs to be looked thoroughly at. False Info linked into bad account which is considered fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I never gave Transunion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY. 

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following account : 1. I was never late on this account. 
XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. ( Under 15 USC 1666B this is a billing error. I was never late ) 2. The status is incorrect for the following account XXXX Please remove it from my credit report.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY
Product: Mortgage

To Whom It May Concern I first contacted Lakeview Loan regarding an escrow refund to borrow for the amount of {$1800.00} on XX/XX/XXXX. I contacted the company at the beginning of XXXX and inquired about why I received the escrow refund. The main purpose of my call was regarding an insurance payment {$1000.00}. When I signed paperwork for my home I never consented to this company paying for my insurance. It was told to me during that call that this company paid my insurance. Because of this, my escrow account was in the negative - {$350.00}. The insurance rejected this payment from this company and the company paid it again. The dates they ran the payment to insurance was : XX/XX/XXXX {$1000.00} They paid insurance on this date XXXX $ XXXX insurance kicked back this payment XX/XX/XXXX {$1000.00} They paid this again I cashed my escrow refund due to the agent who I spoke to telling me that it was okay to do so. In XXXX I received a letter stating I needed to pay a shortage in my escrow account of {$1300.00}. and that my {$1600.00} a month payment would now be increased to {$1800.00} even if I payed the shortage amount. 
I contacted the company on XX/XX/XXXX XXXX and spoke to XXXX. He said the company made a mistake during the escrow analysis update and never should have sent out a refund check. He stated he was putting in a work order to have this fixed and that my payment should remain XXXX. He told me the company would contact me. 
After not hearing from them I contacted again XX/XX/XXXX and for two hours was sent to three different people XXXX, XXXX and finally a manager XXXX. They all reviewed file notes and agreed that this was an error on the company 's side. She told me that because the shortage was cause by the loan company paying the insurance. She verified that there was nothing stating in my mortgage file that they were suppose to do this. XXXX stated to contact customer service via email that day and ask that they remove any further home owner insurance payments and by Tues XX/XX/XXXX my payment should go back to XXXX and not be {$1800.00}. She stated I would also not be responsible for paying the {$1300.00} shortage. I emailed them exactly as she advised that day. I emailed a second email XX/XX/XXXX a week later and a third email XX/XX/XXXX. My payment has not changed and no one from the company has contacted me at all over the last month and a half regarding this issue. I asked XXXX if I should just make my normal monthly mortgage payment and she said no not until this is resolved. That there is a 10 day grace period. 
This company has been horrible to work with. The lack of communication and wait time is ridiculous. The fact that their employees have acknowledged company errors and no one will correct them in a timely manner is unacceptable.