23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, GA XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : As of XX/XX/XXXX I am still seeing discrepancies on my XXXX SCORE! I am exhausted constantly reporting to fix and correct my account please. I am writing to dispute the following information in my credit report file. I have Attached my XXXX SCORE FROM ALL THREE CREDIT BUREAUS! Please you guys need to call each other because this shows poor communication and this is unacceptable and unprofessional. 
The information on TransUnion Credit Report XXXX Score is XXXX, XXXX Credit Report XXXX Score is XXXX and XXXX  Credit Report XXXX Score is XXXX This is inexcusable and unexceptional inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. This has restricted me from getting into a apartment, I have a XXXX year old son and a daughter on the way! Please this is important that you reinvestigate this matter. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXXXXXX I submitted a letter to the Consumer Financial Protection Bureau about the late reporting error being reported by the creditor, XXXX XXXX XXXX 

According to their response, my XXXX payment was 19 days past due as of XX/XX/, but on XXXX XXXX XXXX they reported my XXXX payment as 30 days late, which reflects their error in reporting. 

According to the payment report they submitted to the Consumer Financial Protection Bureau, my payment was made on XX/XX/, and was 10 days late. 

Not only did they report my payment as being 30 days late, but the error in their reporting caused my credit score to drop XXXX XXXX 

On XXXX XXXX XXXX I submitted a reporting dispute with the credit bureaus, Equifax, XXXX, and XXXX to have their error corrected and on XXXX XXXX XXXX XXXX XXXX XXXX updated my credit file to reflect my XXXX XXXX XXXX XXXX  payments as " unknown '', added my current payment status as " 30-59 days late ' and added a note on my file which reads, " affected by natural disaster '' which this inaccurate reporting caused my score to drop even more. 

The erroneous information remains on my credit report in violation of Federal Law.
Product: Debt collection

I received a notice for an account that is unknown to me, requested verification and received just a statement which provides me with no kind of evidence. Please assist me
Product: Money transfer, virtual currency, or money service

Money sent via wire transfer to WISE. 

XX/XX/23 Wise emailed me confirmation that recipient has received funds. 

XX/XX/23. Recipient messaged me that funds still have not been received. 

XX/XX/23 Called and spoke to Wise representative. Informed them that transfer recipient did not receive funds. Told me I needed to wait for funds to " bounce back/ be rejected '' from recipient bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' This generally takes between 1-3 days. Call back tomorrow if I don't see my funds have " bounced back '' to my account. 

XX/XX/23 Called Wise to let them know my funds have not been returned. They told me I need to ask client to take receipt to her bank to inquire about the funds. 

Her bank tells her there's a mismatch with the name and the account number. I had put her name in error instead of her company name, so funds could not be accepted. 

XX/XX/23 Spoke to WISE explaining recipient 's bank saying account name and account number are mismatch and can not accept funds.WISE requests bank statements of recipient. I let them know recipient declines to send confidential bank statements to me ( I am her customer and she does not wish to disclose this information to her customers ). 

I sent message to XXXX XXXXXXXX XXXX referencing transaction number XXXX. If they have the funds, please take action and reject funds so that they will " bounce back '' and then I can try to re-send with correct information. 

XX/XX/23 XXXX XXXX responded back saying I need to talk to Wise 's partner bank, XXXXXXXX XXXX as XXXX XXXX does not have direct relation with WISE. 

XX/XX/23 WISE confirms that their partner bank, XXXX confirmed receipt of WISE transfer and if I want any further investigation of transaction, I need to send them my recipient 's bank statements showing no funds have been received from XXXX XXXXcurrent date. I asked them if recipient could send her bank statements to WISE directly instead of through me since I am her client and that is confidential information. WISE replies saying my recipient can send me her statements and I can upload them. ( NOT HELPFUL ). No further investigation will happen without bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am XXXX XXXX, XXXX claim on my account {$3000.00} and inform the credit bureaus long time before and after i call in XXXX /2017 regarding this is a false claim, then they respond me that the claim will resolve and it is a false claim in your account, so we will remove in 30 days and informed the credit bureaus and remove from your account.but as of today they did not remove from my account.and when i call they says again to wait 30 days from today. but i cant beleave that they can do that. they are playing with my credit from last one year. the claim no on XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I have been reporting disputes on my accounts since XXXX XXXX and nothing has been done about it. What is on my account is wrong. They keep taking it off and putting it back on with a different date. My information has been leaked to the dark web and I cant get any credit because my credit score stays low for almost 30 years now with the same information on it. Ive been trying to call them and get it off but they only say that its verified they will not give me anything to dispute it with. I have reached out to the companies. They never give me a wet signature or any dates that they got these so-called debts and I dont know what to do now my credit has not gone up in 30 years because of XXXX and XXXX and I never had an account with XXXX There are countless addresses on my report that Ive never lived at and there was even a second Social Security number on my report that I had to have removed. Ive never lived in Texas. Ive always lived in XXXX XXXX XXXX XXXX XXXX but my credit remains in the XXXX range because the disputes wont go through.
Product: Debt collection

This company claims to have purchased a debt in my name for XXXX wireless something of which I have no knowledge of. I have however been a " prepaid '' customer of theirs for the past XXXX  years until XXXX when we changed wireless XXXX, all my devices were purchased at XXXX and XXXX XXXX This has been an ongoing thing with Jefferson capital for years now, they have ruined my credit, and have harassed myself and my family at least XXXX times that I know of. I have filed disputes with all major credit services but to no avail! 
When I asked for proof of debt they said they sent it to me, I have not received any information on the said debt until today XXXX XX/XX/XXXX. They keep calling me ( XXXX times yesterday and XXXX times today alone and it's not even noon yet ) threatening to have me arrested for fraud, having my bank account frozen, and telling me at least once that they will make it so I can't get any credit for anything. I am a XXXX Veteran with XXXX, my credit has been compromised XXXX times last year XXXX and XXXX the previous year XXXX. I now have a fraud alert on my credit report. Please Help me in this matter.
Product: Mortgage

During the corona virus my mortgage company is only giving us one option for our mortgage payment. The only option is to file a forbarence and when we return to work they will add the amount to the existing payments til it is paid off. I can not afford to raise my mortgage payment and Im out of work now. They wont even speak to us its a recording and what I can find on their website. The company is called loancare llc.
Product: Debt collection

I paid EOS on XX/XX/XXXX for my XXXX XXXX collection. As of XX/XX/XXXX, XXXX is still reporting the account as owed for {$1200.00}.
Product: Debt collection

Without notice and while trying to buy a house, a debt collector on behalf of my current utility company - XXXX, put an old account of mine into collections. I have autopay set up with XXXX and everytime that I call it says my balance is {$0.00}. The debt collectors name and information is : Diversified Adjustment Service , Inc. Their web address is XXXX XXXX XXXX 

I called XXXX and they refused to assist me, sending me to Diversified. I called Diversified and informed them that i never received notice or the ability to dispute and they said " it was sent via regular mail. '' They have no tracking or proof that they actually sent it - nothing other than a database entry. I informed them that I did not receive it and the response was something like " well we sent it so that's all that matters. '' I told them that although I've never seen the debt I would pay it if they would delete it from the credit bureaus. I informed them of the hardship that they have caused me and that I am buying a house. I informed them that something as little as a {$400.00} bill could cost me hundreds of thousands of dollars in loan interest rate costs. There response was that they weren't going to do anything and I could pay it or not. 

Even if I pay this debt it will traumatically affect my credit score. It has reduced it almost XXXX points. This is not in any way consumer protection, and the fact that they would put it into collections without verified notice is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Credit card

I submitted a dispute for a service that caused dmamge to me physically and the denied me because they do not want to eat the cost of the service.
Product: Mortgage

Loan company : Rocket Mortgage, XXXX, MI I have paid my mortgage down to 60.42 % of original appraised value on home ( appraisal done XX/XX/XXXX ). Mortgage company refuses to stop the PMI. I have spoke with two people at the company and they state I have to keep paying this illegal fee until XXXX, XXXX.
Product: Credit card

I requested an additional credit card for my husband XXXX XXXX, which never arrived in my house. It seems it was intercepted by someone and used in the XXXX area. I disputed the transactions many times with Wells Fargo, but they insist that I am the one that used the credit card and authorized the transactions. I filed a complaint in this site " case number XXXX " and the case was closed, Wells Fargo sent me a letter of denial stating that I was the one that called to active the card on XX/XX/year> from my phone number XXXX. 
I was never in possession of this credit card and neither was my husband, I never called Wells Fargo to activate the card as I was accused in the Wells Fargo letter. I looked in my XXXX XXXX XXXX log and there are no calls from my phone to Wells Fargo on that date. The Wells Fargo denial letter where they state I called to activate the card on that date, my XXXX XXXX XXXX XXXXog showing my calls for XX/XX/year>, police report and other paperwork related to this case. 
I have been really frustrated, feeling harassed and emotionally distressed by Wells Fargo since XXXXXXXX XXXX
Product: Checking or savings account

I made a deposit at my local First Citizens bank ATM in XXXX, NC on XX/XX/2020. The next morning, the funds were available in my account but then disappeared later that day. I called the branch and received a variety of stories over the next week, ranging from the bank lost the check to the check was placed on indefinite hold. 

The check was my payroll check, it cleared the issuers bank on XX/XX/2020, and as of today has still not been deposited into my account. The bank states that there is an " indefinite hold '' placed on the check but I was not advised of this at the time that I deposited the funds, in fact, the ATM said that they would be available the next business day.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence 1. XXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXXXXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 3. XXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit card or prepaid card

I have had a XXXX account for about XXXX XXXX. It has been on automatic electronic payment for a long time. 

XXXX. XXXX statement shows a balance of {$550.00} with a payment due on XX/XX/XXXX. 
XXXX. Payment of {$550.00} made on XX/XX/XXXX. 
XXXX. XXXX statement shows payment of {$550.00} received on XX/XX/XXXX, but they charged interest on this XXXX balance (? ). The electronic payment that would cover this " interest '' was not made. XXXX is unable to explain why the electronic transfer was not made. 
XXXX. XXXX statement includes a {$10.00} fee. The electronic payment was not made. XXXX is unable to explain why the electronic transfer was not made. 
XXXX. XXXX statement includes a {$20.00} fee. The electronic payment was not made. XXXXCard is unable to explain why the electronic transfer was not made. 

I PAID MY BILL IN FULL ON XXXX XXXX, have given XXXXCard access to take electronic payments and continue to be charged fines and my credit rating continues to drop. No evidence is attached, because it's all documented in their statements.
Product: Money transfer, virtual currency, or money service

Two items were placed in dispute from a " XXXX XXXX '' on or around XX/XX/31, amounts of XXXX and XXXX, a total of XXXX. These items are for items not received, the seller is a scammer as I explained to several Paypal reps, one of whom took the claim over the phone. The last rep I spoke with stated the seller provided info showing the items were delivered, which they were not. I have not received anything from this seller and the person communicates only through XXXX messenger, as most scammers do.I have not seen any proof of delivery, there is none.
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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX  XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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: Mortgage

On XXXX XXXX, XXXX I was told I that all my information was being viewed for modification and any foreclosure procedures were on hold. I had an auction date for XXXX XXXX. I received a letter on XXXX XXXX that my modification couldnt be approved because my house had a sell date with in 7 days.
Product: Credit card or prepaid card

As of today I have no idea why JP Morgan Chase Bank , N.A . is taking me to court. 
I do not recall such an account using only my middle name. 
This appears to be fraud or identify theft which I filed several years ago.
Product: Debt collection

My XXXX  and her guy she was seeing on the side decided to steal the phone I was paying for for her to use when we were together and my phone also and they ran my phone bill up and up and I had contacted the phone company about it through their customer support and I was told that there was nothing they would be able to do but that's supposed to be their job and I also was supposed to have theft protection etc. but yet I still ended up with a major debt over them not doing their jobs correctly and telling me that they couldn't help me. I have been told by others with the same company including a couple friends that's work for the company now that they should have turned the phones off when they were notified of what had occurred but yet they failed to do so and I've tried disputing it through credit karma and nothing has been changed.
Product: Debt collection

I took out a loan from Cash Call 2 years ago and they have attempted to collect the debt through very unprofessional tactics. They would call my place of employment and my relatives threatening them. They recently sold my debt to a company called XXXX XXXX XXXX and this company has used the same scare tactics to get me to pay when I have informed them that I am not financially able to afford the payments they have laid out for me. They have threatjyed to take me to court. This has caused a lot of mental and physical stress for everyone around me. My relatives are being harassed constantly.
Product: Debt collection

This year I attempted to pay my debt owed with a reduced amount offered by a debt collection agency. I paid on XX/XX/ an amount of {$420.00}. months have gone by and I see my debt is still on my credit. The Email receipt as well has another name that's not mine, It says XXXX XXXX. I dismissed this as a mistake in the past. When I call the company they can't find my account which does not make since I accessed my account through the online platform with my social and the last 4 digits of the account I owed. They said they would return the amount paid because it seems it went to another account but that has not happened yet.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} 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 XXXX business days after the date of receipt.
Product: Checking or savings account

On my payday I would have early release to credit my account but then get a over draft charge for funds that I would have already
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.