23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi I made a purchase on XX/XX/2022 off XXXX XXXX I tried to reach them with no success. I found out it was a fraudulent company through another company. I never received the item so a called in XXXX before the 90 day cut off. I never received a provisional credit for the purchase. I was told it would take XXXX to investigate the dispute. I called after the 90 days because I was never credited. I was told they are still investigating. I spoke to several people including XXXX supervisors XXXX, XXXX, XXXX and XXXX and got no where. I am on the phone with yet another supervisor XXXX  and getting no where again. He wants me to put in another dispute and wait another 90 days. I just want my {$140.00} back. This is ABSOLUTELY UNACCEPTABLE. How many times do I have to call to get my money back. He put another dispute through this time someone gave me a reference number XXXX. I have not receive any mail or emails regarding the dispute. I sent several message through my online for the credit card and also did not get any where with them. Please help me get my money back it is not a lot of money, but it is my money. This company has made so much money on me for finance charges and I was always a good loyal customer that was never late. 
Thank you XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Mortgage

In the process of looking for a mortgage, I was contacted by XXXX XXXX XXXX from quicken loans. We discussed our loan options but he was unable to provide an immediate loan estimate or good faith estimate of fees, at which time he requested we upload our signed purchase contract. He used this information to contact my Realtor XXXX XXXX, which I did not agree to, as well as sending our information to his loan officer as if we had agreed to proceed, which we did not. We feel harassed by his repeated callings and are afraid our personal identifiable information may be  leaked by this person.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I been trying to solve this problem for some time with your agency due to the fraudulent inaccurate items on my credit report without permissible purpose. You continue to report incorrect information without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I am a litigious consumer meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation. Remove this account from my credit report ONLINE INFORMATION SER XXXX
Product: Checking or savings account

On XX/XX/XXXX I learned of a transaction that had occurred nearly one month earlier on XX/XX/XXXX in the amount of {$99.00} for XXXX XXXX. This was not an authorized transaction as I explained in great detail to Credit Karma customer service within an online dispute form and in separate emails. I explained that in XXXX of this year I had purchased a laptop from XXXX XXXX which I returned just days after it was delivered. The XXXX XXXX software was pre-installed on the XXXX laptop and I had been prompted to enter my debit card information during the setup of the XXXX operating system. As I informed XXXX customer service, when I inquired with XXXX XXXX about the free gift software that was included with my purchase ( security software and 60 days of XXXX XXXX ), specifically about what steps were required of me following the return and refund process, I was told by a XXXX XXXX representative not to worry that the software subscription would cancel automatically. I followed the stores return instructions and received a full refund that was credited back to my Credit Karma account associated with my XXXX debit card during the last week of XXXX, XXXX. I have never used the XXXX XXXX software nor do I own any other device with the XXXX operating system. Approximately 5 days following my having disputed this this surprise transaction ( {$99.00} ) Credit Karma requested documentation from XXXX XXXX to prove that I had returned the device, for whatever reason the {$130.00} credit from XXXX XXXX wasnt sufficient. I provided all relevant information with the expectation that in addition to providing me with assistance needed to contact XXXX and dispute this unauthorized transaction that I would also be provided with a temporary account credit while this matter is being investigated. XXXX has stated that they are willing to assist in this dispute process but will not provide me with an account credit. Despite my having stated multiple times to the contrary XXXX is under the impression that this was an authorized transaction. Again, this was not an authorized transaction. I was under the impression that my business had concluded with XXXX XXXX ( and associated companies ) when I returned the device and was refunded.
Product: Credit reporting or other personal consumer reports

Today XX/XX/year> checked Equifax credit report score and found XXXX points. No explanation. Why are the credit bureau 's allowed to exist and do whatever they want without any explanation or reasoning. I want an explanation why, what causes the negative XXXX points today?! This is unacceptable and must STOP!
Product: Mortgage

We refinanced our home and paid off our mortgage withe The Money Source. The closing was way back on XX/XX/XXXX, XXXXThe Money Source was supposed to mail us an escrow refund check in the amount of {$1900.00} within 10 days. As of today, XX/XX/2021, we still have not received our escrow refund. We need this refund asap. Please help us.
Product: Debt collection

I have mailed and called XXXX and XXXX and also mailed Wakefield and Associates, ARS, and XXXX XXXX XXXX about their violations of me and my credit report. They have committed the following FDCPA Violations HIPPA Law Authorization : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Furthermore, they did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I also requested 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) The Agreement that grants you authority to collect on this alleged debt.

4 ) A copy of your state license, including license number that give you rights to collect in my state.

5 ) Please provide a copy of my signature with the provider of service to release my medical information to you.

6 ) Please provide a breakdown of fees including any and all collection costs and medical charges.

Their lack response, they have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES.

UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Product: Debt collection

I am writing to you in reference of a collection agency that is giving us a very hard time.The collection agency/ attorneys office is so named XXXX & XXXX XXXX. 

They were hired by XXXX XXXX XXXX XXXX XXXX # XXXX Case # XXXX XXXX We do not deny owing this establishment money. 

However, the problem we are having is with the paralegal, XXXX XXXX XXXX. XXXX is refusing to work with us in any manner. She, XXXX XXXX, was called by my husband, day after we received the letter in the mail over this debt. XXXX XXXX asked him how much he can pay monthly, and no matter what he told her, she stated, Come on, you can do better. so she then insistedhe make a monthly bill cost sheet. In which she rushed him through, so he missed a few different payments. She came up with saying {$300.00} a month, XXXX told her that was too much, it was going to set us back each month. XXXX XXXX told him, oh well, adjust your other bills. She, XXXX XXXX, told him oh well you can pay this {$300.00} a month, or we will go to final judgement.. 
XXXX told XXXX this payment is really going to hurt us, can she please work with us, point blank she says No!! 
At a later date, we gt a letter from IRS, informing us we had to pay in. So, once again, XXXX contacted XXXX XXXX, informing us of the IRS payments and we need the payment lowered. Again, she refused. 
So, because of her refusal to work with us, we had to adjust the payment ourselves so we could get gas and groceries. So now she sent us a message telling us, we are in default, and had 2 days to make a {$500.00} payment. for the 2 months we paid {$200.00} plus the {$300.00} for the upcoming month, or we could pay the overall payment which is roughly {$8000.00}. 
We have not missed any payments at all, we have been a cpl days late a cpl times due to the day XXXX check hit the bank. 
XXXX has each email saved that XXXX XXXX has sent him. 
XXXX XXXX sent us a letter on XX/XX/XXXX, mine was in the mail, XXXX was through email.. XXXX has requested again that she rewrite this debt payment, but she hasnt responderd. that was on Friday, XX/XX/XXXX. We have been under so much stress, due to all of this. Even the lady thru IRS, was easier to deal with.. 
Funny thing is, in the letter, she is claiming they have several types of payment plans, but refuses to work with us. If other emails or such are needed, let us know please Thank YOu XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE WERE NOT AUTHORIZED I do not recognise these inquires
Product: Vehicle loan or lease

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

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 usc 1668B : 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 or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have already contacted all the relevant companies and submitted the required FTC to address this issue.

Additionally, the companies in question have already removed these accounts from their records. Therefore, I am surprised to see that your bureau is still reporting these fraudulent accounts. Could you please provide documentation regarding your verification methods? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX.
Product: Debt collection

N

otice for Proof of Claim : I was looking into doing a loan for my business and discovered that I was a victim of fraud. Someone has been using my ID the accounts listed were never opened by me. SOUTHWEST CREDIT SYSTEMS, L.P.
# XXXX I have filed a complaint with the CFPB and FTC report as well. 

There are some addresses on my credit report that I do not recognize never lived at these addresses before.Please delete the following addresses :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is in violation of federal law for continuing to report an inaccurate information on my credit report. Account under the name : High mountain funding inc, original : creditor XXXX XXXX XXXX XXXX. 

I sent XXXX a dispute letter in XXXX, XXXX and XXXX of 2020. XXXX  has sent me updated information claiming that account has been verified and updated. Without a method of verification as required my law. 

I also sent High mountain funding inc a validation letter in XXXX, XXXX, and XXXX of 2020 as of today I have yet to receive a response. A violation of FCRA rules section 609b and FDCPA section 809b. 

Please see attachment ;
Product: Mortgage

Dear CFPB, Good afternoon. 
i was in a home modification application since last year XX/XX/XXXX. First I seek help from CFPB that my lender/Mortgage Company failed to pay my property for XXXX, then I seek a legal assistance from the county i live in and it was settled, because i did make a compaint to CFPB. 
The application that I made last year for Home Modification was denied, because mortgage company received the packet of my application in untimely manner, which was not congruent to the tracking number that I did monitor it they received it before the expected time that they need it. I made an appeal about it and they responded to my compaint cc my former lawyer. Mortgage company send one form that I have to signed for them to reverse the denial. They sent it XXXX  XXXX XXXX, XXXX and they need it on XXXX XXXX XXXX was XXXX and I can't do overnight using XXXX because they use PO box . I never heard anything from the mortgage company about the decision or the approval that they promised which was stated on their response to CFPB. 
By XX/XX/XXXX they stopped accepting mortgage payment because it said they sais i have restart my Home Modification Application which is I did submit all the necessary document they were asking from me. XXXX XXXX was my schedule to speak with my Representative Manager, but nobody called. I emailed them as the same day. Today XXXX XXXX I made a phone call to reach out the mortgage company to follow up my application it said I was denied because the house is not my primary residence. I live here since the day I bought this property. 
I need your help gain justice for the unfairly treatment that mortgage company did to me. Thank you so much and more power.
Product: Credit reporting or other personal consumer reports

I am formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : 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 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 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: Debt collection

I owe no money. This company ( Allied ) XXXX is trying collect on a debt by looking for information about an individual not known to me. They will not stop calling. I have blocked their number, but they call daily over the past month of XX/XX/XXXX and nowXX/XX/XXXX. They call and receive no answer, but they continue to call. They called also inthe past several months ago. When you call them to complain, they do not seem to know what you are talking about. It is harassment for a debt that is not mine. This is not acceptable.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from Venmo stating that I violated their user agreement because I used the money I have received by Direct Deposit to purchase crypto from their platforms and that after reviewing my inquiries and account activity, they found that my actions and activity have been in violation of this agreement. 

As a result of this my account was permanently deactivated and then the funds in my account will be held for up to 180 days for loss prevention purposes. Im told that I will be contacted at the email address on file with my Venmo account should these funds be available for transfer in the future. And its going to be 180 days by XX/XX/XXXX and I have tried to reach out to them several times again but they insist I still can not have access to my money and I do need this so urgently. I was advise to try lodge a complaint here that I might get help sooner than expected