23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to communicate with the company and I have not been able to solve it because they do not speakXX/XX/XXXX, they always have to call me back and no one contacts me, I have disputed several times and they always return the same answer, the point is that I am trying to call them so that they can send me information Regarding the account details, they have never sent me a letter by postal mail or by email, how will I be aware of a debt if they do not contact me and I can not communicate when I call them, the fact is that this supposed account in collection continues to affect my credit and I can't solve it.
Product: Debt collection

On XX/XX/XXXX, I opened a secured credit account with Self Credit builder, On XX/XX/XXXX I successfully paid off my debt of XXXX was asked if I wanted to collect my secured amount or move to the next level of a secured deposit of XXXX, I said yes and deposited another XXXX dollars. 
On XX/XX/XXXX a family emergency came up and I needed a rental car to get to New Jersey, so on XX/XX/XXXX I paid for and picked up my rental, For XXXX plus deposit which totaled out to XXXX XXXX maxed out my card. I kept the car longer than expected, on XX/XX/XXXX I returned the car but XXXX was closed, a family member was going to pay cash for the remainder of the balance when We returned the next day, Self had paid the remaining balance. 
Upon seeing it was paid my family member didn't feel required to pay it, I was shocked that self paid it because I knew My credit limit was only XXXX, I worked my way up to that amount because that was all I could offered and I could pay that amount down, I know I could not pay that amount, I never orally, written nor electronically asked or approved for self to go over our agreed secured amount of XXXX dollars and therefore should not have been paid. There were times that I tried to go over by a few dollars and the company refused, I never thought they would have paid such a large amount. 

I am working really hard to improve my credit and because of Self I have derogatory marks on my credit report and XXXX points were taken from me. I have tried to reach out to them about this and have it removed to no avail. XXXX XXXX has many reasons why I am not entitled to pay this, I agreed to a credit limit of XXXX and I have paid that, that is all I could afford and would not have exceeded that amount I want this account removed from my credit report and my points that were taken away because of false reporting of Self.
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 15 USC 1681. 


XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Debt collection

I have a debt collection reporting on my credit for a credit card account that is not mines. This account appears to be fraudulent due to the fact that I do not recognize any details involving this matter. The information being reported is frivolous.
Product: Vehicle loan or lease

On XXXX I finance a car and the total Finance Charge was XXXX then I make a eleven payment of {$410.00} and most of the payment goes to interes and small portion goes to the amount finance for XXXX. I also call Western Funding Incorporate asking for Payment History and found this because in the billing statement does not shoe it. They also told me that they charge of XXXX every month. 
I think that it is an abusive practice to the consumer. Iam going to send the documents by mail. 

Thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, my bank ( XXXX XXXX ) made a wire transfer on my behalf to JP Morgan Chase Bank, ABA XXXX, Account Number XXXX. The amount transferred was {$17000.00}, in payment for an antique automobile that I was purchasing. 

On XX/XX/2021, I discovered that I had been scammed by the account holder. The business entity which had solicited my payment could not be contacted by phone or e-mail. 

On XX/XX/2021, XXXX XXXX attempted to recall the wire transfer and was informed by Chase that the funds were unavailable for return. 

I subsequently called Chase Bank to ask for assistance but was told that, since I was not an account holder with Chase myself, they could not help me. 

I filed complaints with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) system as well as the FBI Internet Crime Complaint Center and called the Consumer Financial Protection Bureau. 

The police in XXXX XXXX, Virginia, where I live and the XXXX, Florida police have informed me the bank records of that account would have to be subpoenaed and investigated in order to prosecute for recovery of the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously tried to get these negative items off of my report. Also These bureaus are in violation of the XXXX XXXX...
Product: Credit reporting or other personal consumer reports

In Addition to the accounts and hard inquiries on the Identity Theft Report. I will like to add the following fraudulent account reporting on all three credit bureaus ( EQUIFAX, XXXX, XXXX ). Last the ONLY mailing address that should be on my credit report is XXXX Route XXXX XXXX XXXX, NJ XXXX, all others are not mine. 15 USC 1681 XXXX XXXX Account # XXXX Amount {$7000.00}
Product: Checking or savings account

I had checked my credit report and noticed that  XXXX  account was opened up under my name  XXXX  account with  XXXX   XXXX  and  XXXX  with  XXXX   XXXX , I immediately contacted the credit card companies and explained about the fraudulent accounts that was opened up under my name and had them closed those accounts and through the process I learned that those accounts were getting paid through my CHASE business account. On  XXXX   XXXX     2017 I  contacted CHASE where I had my business account was and after being on the phone for ov er 1 hour and transferred from one  person to another person opened up a claim with them and they emailed me a package for my claim that I needed to sign and send to them and get my account credited. Two days later I received another email from CHASE and that email was stating that my claim has been denied and would not get my account credited. I immediately got on the phone and I spoke to a lady by the name of  XXXX  from  XXXX  and explained to her what just happened and she could not answer me correct then I asked to speak to s ome one in united state and t hey had me on the phone holding for over 55 minutes and was told that there is no one available in united states then I asked to speak to a supervisor which that got denied also. Earlier today I called CHASE claim again and went through the same run around first speaking to some one in  XXXX  for over 17 minutes then being on hold for 15 minutes to speak with a gentleman named  XXXX  that he told me he was a senior account specialist. He then said that the claim was denied. He would not identify himself other than the time I called and his first name and he also refused to give me a direct phone number.  XXXX  said he denied my claim because all the information CHASE had was correct. He ignored the erroneous information and fraudulent actions and chose to deny my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was NOT authorized. 

SYNCB/LOWES Date of Inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX   Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX  Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Credit card

I took an XXXX XXXX with XXXX XXXX  embarking on XX/XX/year> and returning on XX/XX/year>. 

While I was on the cruise I was charged on XX/XX/year> for {$560.00}. XXXX days into a 7 day cruise they charged me for an upgrade that they could not physically provide. I was not upgraded. Upgrades can not be made once embarked anyway, much less almost half way through. I repeat for emphasis, this " upgrade '' was not possible and certainly was not received. 

I attempted to resolve it while aboard the ship and was told multiple times over multiple days that they could not resolve it while at sea. It was a shore side mistake and the shore side office would have to resolve it when I disembarked. 

Needless to say when I disembarked the shore side office told me the opposite and that they could no longer resolve the issue. 

At this point I disputed the charge with Bank of America and they told me it was taken care of after an investigation period. Months later I suddenly get a letter in the mail stating that they were reversing the decision based on evidence provided by the cruise company. 

That evidence is a bill/ statement belonging to someone else on the cruise that happened to have the same last name as me. This person has a different first name, a different address, and a different phone number from me. 

Bank of America did not give me an opportunity to refute this evidence nor, evidently, did they even read it. It clearly belongs to someone else. In fact it probably is breaking a rule somewhere that they game me someone else 's name address and phone number. 

The evidence they are using to charge me very clearly exonerates me. They simply just need to look at it.
Product: Vehicle loan or lease

Hello, On Friday XX/XX/2023, the financial company Prestige Financial, repossessed my car after we had a payment agreement. 

I currently owe {$2500.00} as the balance of my loan on the car. My last payment was made XX/XX/2023 for {$400.00} We agreed on a {$450.00} payment for XX/XX/2023. 

I did not receive a repossess notice nor communication from them. They took the car. I called XXXX to report a stolen car. They called me back and stated that the police were informed that the car was repossessed. 

Again to be clear, Prestige Financial and I had an agreement. Now I am at risk of losing more than the car.
Product: Debt collection

XX/XX/2018 i was served a summons to appear in court for a collection account with XXXX XXXX. The judge granted the collection agency 2 continuances so they could gather more information. In XX/XX/2018, i sent a certified letter to XXXX XXXX asking for validation of the account. They sent copies of a statement, which was not validation. By the end of XX/XX/XXXX, the collections were removed off my credit report. 

I had a court date XX/XX/2018 with XXXX XXXX, whos only proff of validation was a few billing statements. I repeatedly asked for a more detailed list of items, because i did not recall having this account. I also explained how i send a certified letter asking for validation and that the collections were removed from my credit report. XXXX XXXX also could not tell me if the dent was from an XXXX XXXX XXXX or an XXXX Credit Card. The judge still ruled in XXXX XXXX favor although they had no information validating that the account was mine.
Product: Debt collection

On XX/XX/year>, XXXX XXXX XXXX XXXX XXXXXXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX )XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX Balance : {$26000.00}
Product: Money transfer, virtual currency, or money service

I was scheduled to initially close on a home on XX/XX/21. I had been working with a title company for months. On XX/XX/21 I received an email, that at the time I did not know was fraudulent, regarding closing and wiring instructions. I then wired the funds on XX/XX/21 to the account provided, a Chase Bank, account # XXXX. The closing was delayed and 1 week later the deal was cancelled. On XX/XX/21 I asked the title company to send the money back to my account. On XX/XX/21 the title company could not locate the funds in their account. I discussed with them the email correspondence that I had with them and they denied ever sending or receiving those emails. That same evening I filed a police report regarding the incident. The total amount transferred was {$23000.00}. I also filed an investigation with XXXX  XXXX XXXX who I used to wire the money, on XX/XX/21 they notified me that they were unable to collect the money and they would be closing the case.
Product: Debt collection

XXXX and XXXX a collection agency has taken all the money from my accounts including a shared account with my older parents that can barely walk and my XXXX has XXXX, they added me to their account so i can buy them grocery and other things. 
we had a court date around XXXX of XXXX, i went to the court but they did not show up, .and i never got any other notice from them, i moved to a new address in XX/XX/XXXX and changed the address at the post office web site and have been getting forwarded mail at the new address but never got anything from XXXX and XXXX XXXX 
On XX/XX/XXXX i saw that all my accounts including the shared account with my parents have XXXX balance and over {$8000.00} have been taken out, my parents are shocked and weak as is and dont know why their money was taken, the stress has caused their health issues more severe. 
If i would have gone to court and had my say this would have never happened but it seems like they lied to the judge and made him think i knew there was a court date and did not show up, but i had no idea and never got any notices, so here i am with my family and old parents in a very bad setuation could someone help please
Product: Mortgage

I fell behind with my mortgage payment around XX/XX/XXXX because my business income had decreased. I had to close my XXXX and find work. In XX/XX/XXXX I found employment. The damage was already done I had no choice but to file bankruptcy in XX/XX/XXXX. Then XX/XX/XXXX I went thru divorce. In XXXX XX/XX/XXXX I hired an attorney to help me apply for loan modification with Nationstar. This process took some time. XXXX XXXX I was denied because due incomplete application. My attorney resubmitted my paperwork again XXXX XX/XX/XXXX. This time I got approved for loan modification for HAMP. My attorney received an email from the foreclosure attorney for Nationstar stating I was approved for HAMP on XXXX/XXXX/XXXX and the first trial payments starts XXXX/XXXX/XXXX. As of today Nationstar has failed to provide the approval of the trial agreement. We have called and emailed the attorney for status of the agreement and they have failed to provide. I am asking for your help to find out if I was approved for loan modification and if yes, why is it taking them so long to provide the documents.
Product: Debt collection

I have no recollection of any business transaction with either " The   XXXX   XXXX   XXXX   '' or "   XXXX   XXXX   ''. Currently these " organizations are reporting a delinquency with the  XXXX  major credit reporting agencies. After my own investigation I confirmed with the California  Secretary of State th at neither " company '' has a valid and current  Corporate  status. In fact both have been suspended and are now illegally operating.        XXXX   XXXX   XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX {$25.00} gift card. When I scratched the security covering off of the numbers of the back of the card, some of the numbers came off. I can not read the security numbers. This is a production error with the card. 

I contacted Google 4 times and sent them a picture of the front and back of the card. Their response was " Unfortunately we are unable to redeem the value of the gift card to your account. Google is not responsible for gift cards that have been lost, stolen, or destroyed. Learn more about our Terms of Service. '' I should not be penalized for THEIR production error. I have the physical card, but I can not use it without the code. I merely wanted them to issue the {$25.00} back to me or provide another card.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX  XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX - The following personal information is incorrect - The personal data reporting is inaccurate.
Product: Mortgage

I received a temporary modification via which the interest rate I am charged during the interest only period of my loan was more or less fixed. The interest only period will end in XXXX 2016 and the loan will become fully amortizing in XXXX 2016. Since I am permanently and totally XXXX and my income is not likely to increase I will not be able to make the fully amortizing payment beginning in XXXX 2016. I contacted Wells so that we could begin the modification process well before any potential delinquency. Unfortunately it is beyond clear, based on statements made to me by Wells ' employees, that they are either unable or unwilling to address my actual circumstances. I was expressly told yesterday that Wells would evaluate my information to see if there has been any change in circumstances since the temporary modification was made even though I am not requesting a modification for anything except the fully amortizing loan period. In effect, I am being told there is no point in my submitting any information since Wells is unwilling or unable to understand the fairly simple nature of my request which is to modify the fully amortizing loan terms scheduled, by contract, to begin in XXXX 2016. Simple math is sufficient to understand that I will NOT be able to make the fully amortizing loan payments nor do I wish to wait until I am already seriously delinquent which will happen beginning in XXXX 2016. Since first contacting Wells I have been told that I have a single point of contact and was told yesterday that I will be assigned a single point of contact. In any case what I need is to speak with someone who actually understands I am being proactive in the hopes that I can, inter XXXX, not become delinquent and not have to engage Wells Fargo in litigation to process what is, at present, a simple request. Because the nature of my XXXX involves having XXXX which has XXXX and because the XXXX any attorney from representing me in negotiations with Wells I am reaching out to the CFPB for assistance. I will also note that NONE of the " HUD counselors '' actually offer assistance and, instead, provide " workshops '' or what amounts to cheerleading neither of which constitutes any actual assistance in my case. While I realize, especially after having worked as a legal aid attorney, that most consumers do not seek assistance until they are seriously delinquent I do not believe that is prudent or in any parties ' best interests. Accordingly I am hoping that CFPB can assist me in reaching someone at Wells who, like me, sees the benefit of assisting me proactively and taking meaningful steps to ensure we do not wind up in litigation.