23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I took out a payday loan online with 500 Fast cash. The loan was for {$250.00}. My {$75.00}. Payment was to be debited on the XXXX of each month..Everything was fine until XXXX, XXXX when my payment was not taken out. I called XXXX and it just rang. Called several times later that day and for weeks after and still no one answered the phone. I emailed a letter asking why my payment was n't taken and emailed it to customerservice @ 500fast cash.com..I never received an answer. I repeatly tried to call still no answer. I then faxed a note stating I hereby do not authorize my bank to pay them in the future. I was afraid they would debit my account an exorbitant amount. Still no communication. If I had an address for these people I would have sent a certiief letter but apparently they do n't stay in XXXX place long enough. Months later I started to receive extremely harassing calls from a male who I could barely understand screaming that a policeman would be at my door soon and I had better make a payment. He never mentioned what and who this was about and I screamed back and hung up on him. He called again and did for a few hours. Time went by and he started again. I did go to the police dept. but of course these scammers are hard to track down. This went on intermittently over the years when they starting call in my brother 's house whose name I gave as a reference. I was living XXXX at the time my address had n't changed, neither had my phone number but they harnessed my brother to this day. 7 years of harassement. I moved from XXXX and my brother told me he has gotten calls from a company called XXXX XXXX XXXX from XXXX XXXX. I called him yesterday XXXX/XXXX/XXXX and me told me I owed over {$400.00} from this loan and he thinks it might be because of a bad check. The money was taken out of my account until XXXX XXXX, XXXX when that stopped. I told him exactly what happened and I also filed for bankruptcy in XXXX. He said they will sue me still for the check and I would incur many times over what was originally owed. I have this figured out. They take out the payment for a while and then stop. I could not reach them In any way possible and then they send the scammers after me. I called my lawyer and his secretary told me coincidentally another client called her yesterday about the very same agency..If I could afford a protracted lawsuit I would love to out these vultures out of business..I kept every piece of correspondence from me, emails, copies of problems other people have had with these people. I also have copies of my checking account showing the debits all paid until XXXX when no debit was made. I think this has to be dealt with seriously. Thank you, XXXX XXXX XXXX
Product: Debt collection

On Saturday, XX/XX/XXXX, an agent called around XXXX pm est. XXXX was calling me to collect the payment that was due this past XXXX, XX/XX/XXXX. I explained to the agent that I could not pay it until I get paid this following week. I am only XXXX payment past due and not even a week past due. The agent stated that if I couldn't make a payment then that my account would be at risk of repossession. XXXX auto group doesn't seem to train their employees on the FDCPA guidelines. When I asked the agent about if he knew the guidelines he responded no. The agents with this company will say anything to scare you into paying the account and not care that they aren't abiding by specific regulations.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit report/file that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Mortgage

I received a notice to foreclose on my home due to non-payment. After researching my account I noticed that {$6100.00} of payment has not been applied to my account. I don't know what game they are playing. I feel like they are trying to lie and take my home from me fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} 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 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 sent a letter to Chexsystems pertaining to an account from capital one that does not belong to me on XX/XX/2021. I've sent multiple letters to them over the course of 6 months and have not receive a response. They refuse to look into this issue or even respond. Chexsystems is inaccurately reporting misinformation on my report, and it needs to be FIXED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I check XXXX credit report and noticed 2 fraudulent/unauthorized inquires one from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX I check XXXX credit report and noticed 28 fraudulent/unauthorized inquires from XXXX I didnt authorize none of the inquiries on my report I check Experian credit report and noticed 5 fraudulent/unauthorized inquires one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

NONE of these belong to me or has ever belonged to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( XXXX, Equifax, and XXXX ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I never gave authorization for. During the past two years, going through the pandemic, I was not applying to run my credit anywhere. but I see here on my credit report, that the entire year of XXXX my credit was ran almost on a monthly basis by various companies. That continued through XXXX and even XXXX already. Some of these are the same company, running inquiries on my credit multiple times throughout the years. Some, I noticed even ran my credit twice in the very same date. This was done without my authorization and without my knowledge. This is practically warfare on my credit by these strange companies and the amount of inquiries is shocking. I should have zero inquiries on my credit from XXXX to now, because I did not apply for anything during that time period. I did not give permission or request that my credit be ran for anything. I was not authorizing inquiries of any kind from XXXX to now. I am just now finally going to use my credit after having recovered from the pandemic and concerns about the wars starting overseas impacting our country financially. Having decided to now use my credit towards purchasing a home and starting a business, I was shocked to find my credit being abused by companies that had no authorization from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I ended up almost losing my life because I had a XXXX XXXX. I fell behind on my credit cards and two of which have no interest in helping me with the late reporting on my credit report. I provided documentation and there should be laws to protect the consumer if things out of control occurred. Two accounts were brought current and paid off. Before my XXXX XXXX I had stellar payment history. Fortiva account services is one of the businesses. I was paying for a piece of work out equipment which lead to my XXXX XXXX. It states in my medical record that I can not exercise. They refuse to help. XXXX XXXX I had a XXXX credit card with them. They claimed I dont meet criteria when I almost lost my life. This is extremely wrong
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear Equifax, I am urgently addressing critical discrepancies discovered in my credit report that blatantly contravene the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). Upon thorough review, it has become unmistakably clear that several errors persist within my credit profile, indicating a significant oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a vital federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of consumer credit data, ensuring transparent information sharing with consumers. 

Identified instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for dispute handling. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if my file 's information has been used against me in credit applications or other transactions. 
The ability to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items undeniably breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, stemming from errors originating from your agency. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX This is not my name. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX This is not my Employer. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXXXXXX XXXX This is not my Employer. Delete it immediately from my report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 


I anticipate prompt action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will regrettably leave me no option but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX a tree landed on my house. The ins. comp. made the check out to me and Wells Fargo. It has been over a month and my contractor still have not got the 1st payment. I have sent them all the paper work they asked for and nothing is what they want. Every time I send them something they want more. The main contractor put a the siding and the roof on the house to keep the damage down from rain. I told Wells Fargo he wanted XXXX % up front they told me that it had to be in his bid. It was. As of today we still have not got any of our money to pay anyone and when I call I get the run around. telling it will take more time. Today they told me that they were sending out XXXX check and it is only XXXX % not the XXXX % I need. I do not have use of over 1/2 my house including a bedroom. The contractor has told me that if he does not have the XXXX % by Monday that he will be coming over to take off the siding and the roof due to non payment along with putting a lean on my house for what he has had to pay out to his staff. Wells Fargo does not seem to care. I pay the ins. why do they get to control fixing my house with my insurance money. XXXX kids and XXXX adults living in a house with XXXX rooms left standing is not working and we are almost at the 2 month mark. I have had to pay what I could out and in return have not been able to make my loan payment. I cashed out my XXXX this week so that I can not make the last 2 house payment and pay the contractor some more money to keep what he has already done with the agreement with them that they will refund my money when Wells Fargo pays them. As of now my house is no longer being worked on until they get the checks from the bank.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Someone got into my cashapp account and was able to take all the money I had in my account
Product: Money transfer, virtual currency, or money service

I had a bank account open with current banking online and my bank account was suddenly closed when my account got closed they told me I was going to get a check issued to me because I was receiving my income tax refund to my current account and it was sent to my account on XXXX XXXX Today is XX/XX/2022 I have been sending emails back and fourth since XXXX I had finally received my check and it wasnt for my full amount that it was supposed to be they sent the check and it was for {$640.00} it was suppose to be {$720.00} and the check that was sent was INVAILD!! And I emailed them to let them know the check was invaild and no one has responded to any of my emails since then
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance withe the Fair Credit Reporting act. The List of accounts below has violated my federal 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 XXXX  XXXX # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I submitted a mortgage assistance application to XXXX, at teh suggestion of XXXX on or near XX/XX/2019. 

I completed all items need for a modification on or near XX/XX/2019. 

I objected to the loan transfer to PHH Mortgage on XX/XX/2019 until XXXX had processed my loan modification request. 

I made multiple inquiries to XXXX to validate that the mortgage assistance application was complete between XX/XX/XXXX-XX/XX/2019. XXXX didn't process the request by law and neither did it transfer the request to PHH.

I got a letter from PHH on XX/XX/2019 indicating " Early Intervention '' when I had already submitted a application for relief. 

I need XXXX to act on my request as provided and that it was complete.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

On XX/XX/XXXX I received a call from a Pennsylvania number XXXX looking for my husband in regards to a Civil Matter as the woman stated. I let the woman know that I was his wife and asked what a Civil Matter was and she responded with " He can be taken to court for it ''. I asked her if this had anything to do with his Bankruptcy that he filed back in XXXX and she said no and that she could not tell me what it was in regards to, just that it was a civil matter. I then text my husband with the woman 's number frantically asking that he call this woman back. My husband then told me that the woman was calling about a Citibank Credit Card from XXXX and that the balance was {$5900.00}. My husband attempted to let her know that he had filed a Chapter XXXX Bankruptcy in XXXX and that it was discharged in XXXX and the woman proceeded to tell him that she was going to send the paperwork to our local jurisdiction, take him to court, garnish his wages and report this to his credit report. She told him that his bankruptcy did not matter. My husband then called me very upset and I let him know to call her back and let her know that even if we did not know about this debt back when the bankruptcy was filed, that because his bankruptcy was discharged, this debt would have been automatically included as it was incurred BEFORE the bankruptcy was filed. My husband called the woman back who stated that she did not know who we were getting our information from and again stated that she was going to take us to court and garnish his wages and that this was an OPEN loan already on his credit and is not part of the bankruptcy and then told my husband to have a nice day and HUNG UP.