23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX. Please see the attachments.
Product: Bank account or service

I requested Wells Fargo & Company cease sending me unsolicited marketing and account messages after my account was closed nearly XXXX years ago. Wells Fargo & Company acknowledged these requests and stated that I would no longer receive such emails. 

However, Wells Fargo & Company continues to send me unsolicited mails in violations of California Law and Federal Law.
Product: Bank account or service

I paid off my loan with ally bank back in XXXX. I cancelled my XXXX insurance, and the dealer sent it to ally bank on XXXX XXXX, 2016. I called Ally bank customer service in the XXXX spoke to XXXX. She stated thearlier check was cashed on XXXX XXXX. First off, my loan was paid off. Ally had no reason to cash this check when the account was ahd has been paid off. Then she proceeded to say I have to wait 10 business days for that check to clear. Then, I have to wait an additional XXXX to 5 days to mail it. Meanwhile ally earns interest on my money. Ally stated they endorsed the check that had my name on it as well. Ally had no right to cash a check that did n't belong to them at all. I tried speaking to a supervisor but of course I was told XXXX to 72 hours before I would be able to talk with someone. My question is why would they cash my check when the balance is zero and then hold my check until 15 days? I 'm not really happy with them and cashing of my check they could have returned it or signed off on it and sent it to me to worry about a dealership check clearing. Not to mention checks clear now within XXXX to 2 business days due to check XXXX when that took place. Meanwhile, I 'm the one who is waiting for my check that I 'm entitled to especially when there is no Balance and my account was closed. Ally needs to be taught business practices and to stop this way of doing business .. I paid my car payments on time and I did n't make them wait to talk to me at any point. I 'm sick of these big companies taking advantage of us consumers.
Product: Debt collection

For the last couple of months XX/XX/XXXX through present Ihave been receiving a call from some company which looks like a local number calling - could not recognize what they were saying on my voicemail - person speaking sounded distorted - stated something about need signature and social security number - press 1 to accept message or call back an XXXX number - couldn't really understand them - I ignored it but on Tuesday XX/XX/XXXX received another call so I finally returned a call to the number on my caller ID which looked local and someone answered and I asked them who they were and why were they calling me - they stated they were from Cordoza and Wexler a settlement company and asked is this and they stated my name and that they were trying to collect a debt on a payday loan from XXXX which was never repaid - what was really upsetting was they had my bank name and some of my other personal information & my email address - I do not remember taking out a payday loan from the company they stated and for the amount they stated which was quite large and what is really crazy is the payday loan companies only allow you to take out loans in an amount comparable to your wages - I know for a fact I could not have taken out a loan for that amount - she told me that I could find proof of payment and send it to them so I went through all my XXXX receipts and could not find any record of any type of payday loan - I knew there wouldn't be one - after that I was really upset so I called them back and I flat told them I don't know who the XXXX you are & how you possibly got my personal information but you can go take a flying powder as far as I'm concerned and please send me proof of any type of documentation that I owe this debt and paperwork with my signature and I will be forwarding this on to my attorney and I will be filing a complaint with the Consumer Finance group - as of today I have not seen any type of documentation from them through email and I don't know if they have my address so I will be checking my mail the next several days to see if anything is mailed to me which I doubt - I plan to contact local law enforcement and Lodge a complaint for fraud and extortion against this group of people - I am truly sick and tired of all the scam artists in this world who try to take from people who have worked hard all their life. One thing further I was part of the breach at XXXX  and possibly they got information from there and that is how they're trying to scam people Please be aware that this group of people are scam artists and are trying to collect money that you do not owe or possibly have already paid back.
Product: Mortgage

Unwanted fee/charges are being added to my monthly mortgage without my knowledge or consent. I have had XXXX '' barrower requested title search '' Put on my mortgage from XXXX XXXX to XX/XX/2021. At No time did this Barrower Request Such a thing. 
Statements : XXXX  2021 13 title searches {$420.00} We paid XX/XX/2021 XXXX title searches and attorney Fee {$450.00}. We paid XX/XX/2021 XXXX title searches {$360.00}. We paid XX/XX/2021 XXXX title searches {$320.00} I did not pay! 
XXXX-Called customer Service at Pennymac, was told these charges are from my " municipal ''. 
I asked exactly who that was - never got a straight answer, Just told My town. I Told pennymac rep then to stop charges. THis was against my knowledge and consent. 
The next month Sent email, Asking about new charges and attorney fee. My last email in XXXX I stated, That all of these charges being put on my mortgage without my knowledge, and consent was against my privacy rights. Where are my Rights in this issue when Anyone " municipal " or whoever can have charges added to your acct without you knowing. 
Pennymac has held up the sale of my home, I was suppose to close on this home End of XXXXXXXX XXXX months later we are still waiting to close, with that being said, I truly do not need all of these extra charges on top of the expense of 2 households. They have had no regards for our privacy or our wellbeing as a customer with outstanding good credit and credit history with them. 
Pennymac needs to refund ALL fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items where illegally ran on my credit. Not giving consent to do so by me.! 
Data facts XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, XXXX in reference to acct not updated since XXXX  2022. They said they've reported & it's Experian who hasn't updated my credit report. Trying to speak with anyone at experian takes an act of XXXX.
Product: Credit card or prepaid card

I was a Macy 's customer For over 25 years. I never paid a late payment and Macy 's is more than welcome to check my account history for the past 25 years. In 2019 My social security Bank account ID card will end all my mail for 6 months or stolen that was delivered by XXXX and left in front of my house. My address was changed to an XXXX XXXX address which I've been a resident of XXXX California for the past 40 years. I have a police report on file with the city of XXXX for this incident. As a result of identity theft my XXXX account was also hacked and I had my Macy 's account on auto Pay. XXXX XXXX XXXX Bank and Macy 's both failed to notify me that The payment was not being paid. I was unaware of the situation and I was sure since I had money in my account there would be no problem with the payment. Macy 's never called me about my account not being paid, which is no fault of mine.Macy 's is fully responsible for the delinquency of my account and they also reported it to the credit bureaus and right now my account is in XXXX with Citibank collection. I ced three times today and the representative could not hear what I was saying because of their bad connection. This is horrible customer service.This is another example of bad customer service that we can not even hear the representative. Macy 's has been damaging my credit for the past two and a half years.

For a payment of {$29.00} I'm not able to purchase a car because of the late that will put on my credit report by Macy 's.
Product: Vehicle loan or lease

I was in a car accident on XX/XX/XXXX. My car was deemed a total loss. I followed all protocol and informed the lender and all insurance companies. Global Lending Services LLC was the lender. They were paid {$19000.00} by the insurance. There was a remaining amount of {$6400.00} in which my GAP insurance coverage would be covering. Global Lending contacted the GAP Insurance on XX/XX/XXXX to inform them of the remaining balance owed. The GAP insurance paid the remaining amount owed in XX/XX/XXXX. 

Despite the fact that the total amount would be covered by my insurance as well as my GAP coverage. Global Lending Services says I have an outstanding balance of over {$1400.00} ( they have since changed the amount to {$2000.00} ) for car payments from XXXX to XXXX. I do not own the car and it was totaled during the months they claim I owe them a payment. THE ENTIRE LOAN AMOUNT HAS BEEN PAID OFF BY INSURANCE, thus there is no loan to even make payments toward. The three car payments would go to directly profit Global Lending. It was confirmed by supervisor XXXX that the loan amount was {$0.00} and the three payments would not go toward that loan as insurance paid the loan in its entirety. The company is just trying to profit off of my misfortune. Due to the fact that there was a three month lull in which the GAP insurance did not pay they are extorting me for these car payments for that three month period. I am not responsible for how fast or slow the GAP insurance made the payment. Again, the loan was paid in full but they are still threatening to report me for not paying three car payments in the time that they awaited GAP 's payment. 

I agreed to pay the interest amount on the loan amount owed by GAP ( approx 6k ) but Global Lending will not accept that. They want three full car payments although the car was totaled and the loan amount is at a {$0.00} balance. 

They are threatening to report me to credit agencies and extorting me for these payments. They claim they will cease action if I start to make payments and will back date the " paid in full '' status to XX/XX/XXXX when I got in the accident. This alone shows they are not entitled to these payments and are willing to " work out a deal '' for money they are not owed.
Product: Credit reporting

I have dispute this account as not mine to Transunion, but they have not removed the account. This account from XXXX XXXX XXXX is not mine nor do I have any knowledge of the account.
Product: Credit card

When I opened an account with Best Buy in 2002, I apparently agreed to a debt protection program when I opened the account that I was not aware of. I am gainfully employed and always have been and sincerely doubt Best Buy has my signature on file that I ever agreed to this program. I noticed this on my bill this month and called for an inquiry and was told that it was indeed when I was accepted for the card then. With all of the different portions of the bills regarding interest, etc, I never saw that, and I went to electronic billing years ago. As I am nearing retirement I am looking at my bills and what I thought was an insurance payment for an appliance was not. I have been paying over XXXX a month for something I have never needed for over 15 years. The only thing Best Buy did was to send me a letter to say they have cancelled it. Yes, I am wrong in not seeing it before. I use this credit card about 1 a year So I could recognize what the balance should be. I never looked at the detail of the charges. And Best Buy in 15 years never sent any reminder or option to opt out of this. I have a measly XXXX balance - go figure because of this. In this period I have paid XXXX in debt protection that I have never needed or never used. This is outrageous. I know I am neglect and looking at my bills however how many other consumers are being charged this - and per the description subscribed unknowingly when they opened an account. I want my money back - now I understand why I have not been able to pay off this bill while they continue to raise my credit limit. Shop there - no more.
Product: Debt collection

I am receiving a debt from a previous company before me. I have no idea about this debt. I would like to please dispute and or get rid of all the debt from here if possible please and thank you. 
Let me know what you need as far as more information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thing. There are things on my credit that is not mine Chapter XXXX Bankruptcy, XXXX/XXXX'.XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX XXXX XXXX XXXX. US DEP ED. XXXX XXXX. XXXX.XXXX XXXX XXXX, XXXX. Please remove these items from my credit. I called the police too and got a FTC contact
Product: Credit reporting or other personal consumer reports

I request the immediate removal of these unauthorized accounts from my credit report. I did not open or approve them and have no knowledge of their source. Under XXXX XXXX, I formally ask for their removal within 15 days. Enclosed are supporting documents for your consideration.
Product: Student loan

I made a complaint through you guys about the school misconduct applications going out due to The Art Institute of Philadelphia being deems a fraudulent school. Please see previous complaint. 

Since this complaint has been closed out, I've now received a letter saying they messed up my interest rate and I now have to pay XXXX XXXX interest, from XXXX XXXX. My payment, which I was already struggling to make and have been in forbearance for 10 months over, is going from $ XXXX to $ XXXX. I called once and the woman on the other line told me I was not in forbearance and was in loan modification ( had no idea what was going on even though the information was right in front of her ) and then proceeded to say she'll record the call, and did not provide any further communication. 

I called a second time, the man on the phone still was confused about the situation, put me on hold to see if there were any relief options available, got back on the phone and said there's nothing they can do. Even when I said there's no way I can afford this payment. 

I think the timing of this is very interesting since I just made a complaint through CFPB. This group is collecting a fraudulent debt. How is it that XXXX is able to offer private student loan forgiveness, but this group is claiming " they aren't allow to ''. Why are they allowed to collect debt from a fraudulent transaction?
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX  of XX/XX/XXXXthey would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXXthey would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX  XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX of Massachusetts next. I need my payment history fixed immediately!!!
Product: Consumer Loan

THERE IS TWO HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND I HAVE ASKED FOR PROOF OF THE APPLACTION BUT ONE MAIN FINACIAL HAS FAILED TO DUE SO
Product: Money transfer, virtual currency, or money service

I transfer from Chase bank to XXXX bank XXXX, for an amount {$250.00}, plus the bank charge of {$50.00} for the international transfer. The date that I made this transaccin was XX/XX/2020 at XXXX XXXX, This money its was gon na be available for the XX/XX/2020. Today Its XX/XX/2020 and the money is not available yet. I went to the Chase bank for complaint about this transfer and they told me to communicate with you. Please let me know what can I do.
Product: Debt collection

XXXX XXXX Appears On My XXXX Report Collection with a Balance of {$600.00} Date Opened XX/XX/XXXX Last Reported XX/XX/XXXX Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX Payment Status listed as Late 120 Days Legend Status listed as XXXX XXXX  Current from at Least XX/XX/XXXX through XX/XX/XXXX I have no knowledge of this account. 
I have never received any correspondence from any LVNV Funding. 
XXXX is reporting this to My Report with Several Errors as listed above. 
This is detrimental to My creditworthiness, character, and ability to obtain credit. 
An account can not be designated as XXXX XXXX Current and also Late 120 days. 
This Alleged Account is clearly well past the Illinois Statute for Collecting debt. 
I was Not provided Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) Prior to This Alleged Debt being placed on My XXXX Report. 
I have not been provided the Opportunity to Dispute this account Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This LVNV Collection Company has No Authority to furnish any account to a Consumer Reporting Agency without providing any ans all disclosures required by Law.

LVNV Funding is in Clear Violation of 12 CFR 1006.34 ( d ) As well as 15 USC 1681-S2 ( 7 ) ( A ) It is My Request that this Derogatory Account Be Immediately Removed from My XXXX Report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Credit reporting or other personal consumer reports

TransUnion is in compliance with XXXXXXXX XXXX, collection and reporting fraudulent information from XXXX XXXX without any CLEAR AND CONVINCING EVIDENCE. 

XXXXXXXX XXXX is reporting two FRAUDULENT accounts to TransUnion ( 1 ) Acc # - XXXX and a balance of {$2000.00}. 
( 2 ) Acc # XXXX and a balance of {$2700.00}. 
These two FRAUDULENT accounts have been damaging my credibility reporting FRAUDULENT errors, TransUnion Consumer Solutions verified the two FRAUDULENT accounts as VERIFIED, while they erred and failed, denied and ignored my request of a legal copy of a contract with me and XXXX XXXX, according to the FCRA NON DISCLOSURE WITHOUT CONSENT IS IDENTITY THEFT. I never give XXXXXXXX XXXX any permissible purpose to obtain my information, I personally ask that they delete these two accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).