23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Hunter Warfield about a debt showing on my credit report XX/XX/2021. I explained the situation and the discrepancies. The email I sent was " I do not agree to this collection. I know this is not at fault of Hunter Warfield, but of XXXX XXXX XXXX XXXX. I have already attempted to contact XXXX XXXX on numerous occasions and get nothing but a run around from them. They state they no longer own the account and it is out of their hands. The collection is not really of concern to me as it is not hindering me in anyway, but at the same time I am conflicted because it shows a balance that I owe and I absolutely hate owing anyone. I do not know how to clear this up at this point. I feel like I have exhausted all avenues. I am willing to settle this account for {$1600.00}. Please let me know if that is acceptable. If so please send me correspondence so I can take care of it. If not, please cease and desist all future communication. '' They sent a very generic response, and were unwilling to discuss the issue therefore I requested once again they cease and desist all future communication. 
Today I was contacted by Hunter Warfield XX/XX/2021 at XXXX via email. I did respond and remind them I have requested to cease and desist communication on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Wells Farg o Car dealer services is very annoying with the frequent phone calls throughout the day. I am only 13 days late and they are frequently calling my phone 4-6 times a day like I am 3 months past due. I have a another vehicle in my name and that company do not even call me when I almost 30 days late. They would send a friendly reminder txt or email. Wells Fargo Car dea ler services is out of control with telemarketing/debt collector calling. Today  XXXX  they call me four times and my loan not even 30 days late. Then they do n't leave a message when they call. I 'm working throughout the day to be accepting their phone calls. It 's very annoying!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried getting my issue resolved with with no help! Santander is reporting false and illegal information on my credit report.
Product: Debt collection

It was XXXX, I was working a part time and borrow {$110.00} from Advance America, a payday loan predator company. At, the time, I lost my wallet and all of the contents, which contained my id, ssn, and other pertinent information. 

On XXXX XXXX, XXXX ; I get a call from them out of the blue, from a company that claims that are attempting to collect a debt from them. This company, is harassing me, and I want it to stop. Not, only, to they charge enormous interest to poor young and old they do not stop until they get paid. Please do something!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like Equifax to sell my information to lenders I dont want to deal with?
Product: Credit reporting, credit repair services, or other personal consumer reports

I negotiated a loan payoff to Barclay Bank, and they still show that it went to collections and was not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent letters that were not answered, ignoring my right to have accurate information about what they report about my credit, on the following dates : XXXX XXXX XXXX   Here are the issues with these accounts and you can see the inaccuracy incomplete, and unfair report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify the 30 days late on XXXX   ; otherwise updated as paid as never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify the correct balance $ {$16000.00} ; $ {$16000.00} OR {$15000.00}. Please provide me with the historical payment and historical balance. Verify this account with my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me the historical payment and balance. That doesn't match the information in the records. Suppose you can't do that. Delete it. Why is the XXXX XXXX XXXX and the balance of {$1700.00} for installments account. 

Please send me an updated credit report once you have made the necessary deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX Account number : 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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, credit repair services, or other personal consumer reports

The following hard inquiry remarks have been placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Experian which is a credit report website advertised that " you only had to pay a one-time fee of XXXX dollar '' for a credit score report. They said nowhere that they would keep my credit card on file and sign me up for a monthly subscription in which I would be paying around XXXX dollars. I have no idea was I was charged that the past two months and did not sign up for that. Their website didn't say that they would do that anywhere. I got charged for the month of XXXX and XXXX both on the XXXX.
Product: Checking or savings account

Wells fargo has denied my claim twice saying that the transactions amounting to XXXX that were taken from my account were authorized when they were not. The money was part of my retirement and was depleted in a matter of weeks. The money was sent to a XXXX XXXX account that is not mine. I have not used XXXX XXXX in over a year. I was blocked from my online access to my account after Wells Fargo deemed 2 transactions by XXXX suspicious, transactions I did authorize. Wells Fargo then proceeded to allow dozens of other transactions to go through, sometimes just minutes apart, until my account was completely empty. I was sent no notifications during any of this and was unaware any of it was even happening. 
When my claim was denied the 1st time I filed again. Wells Fargo then called a family protection investigator to my home to see if I was being exploited. The very next day they denied my claim again. This has been handled very poorly by Wells Fargo. I did not authorize the transactions. I do not use XXXX XXXX. I'm supposed to be protected from this happening by my bank but they failed at every turn.
Product: Debt collection

I have received multiple calls per day, every day, with no voice messages left from Portfolio Recovery Services. I have e-mailed them ( PRACustomerCare@portfoliorecovery.com ) two separate requests asking that all calls to my cellphone be ceased and that all business they may have with me be handled through standard US mail.
Product: Credit reporting or other personal consumer reports

This company has been reporting negative information on a charged off account and I as a consumer is entitled to my privacy and fair credit consumer act says and also I ask them to verify the account, showing my signature for the account, and they have not sent anything with my signature about this account 15 U.S. CODE 1692 ( YOU HAVE A RIGHT TO PRIVACY ) 15 U.S. CODE 1692 ( C ) ( A ) - A DEBT COLLECTOR HAS TO HAVE YOUR CONSENT TO TEXT, CALL. OR EMAIL YOU
Product: Payday loan, title loan, or personal loan

Too many times with this company I already told the I didnt apply for any loan with them
Product: Money transfer, virtual currency, or money service

To whom it may concern, I am writing to file a complaint against Wells Fargo regarding an unauthorized wire transfer that has resulted in substantial financial loss. I am an XXXX XXXX XXXX  protected under the Servicemembers Civil Relief Act ( SCRA ) and military consumer protection and had taken proper steps within regulation in order to recover the loss. 

Details of the unauthorized transfers are as follows : Background : The victim encountered a scammer on XXXX XXXX on XX/XX/XXXX, who later moved the communication to XXXX. Over the course of a month, the victim was enticed into investing in virtual crypto mining with promises of high returns. As the victim grew suspicious and determined that this was a scam, any further authorization for the transaction was suspended promptly to prevent further information loss. It is believed that the scammers may have worked in teams, employing hacking and other tools to access the victim 's banking and personal information, including the location. The victim had asked the only family member who had authorization for the victim 's account regarding making any further transactions, and the family member did not initiate any. 

Bank 's Involvement : Despite the victim 's suspension of actions and contacting the Wells Fargo Fraud Center, the bank did not appear to be aware of the breach and allowed unauthorized electronic transfers to take place. Wells Fargo seemingly failed to detect the breach, even though a checking call was made from the bank to verify the actions, indicating a lapse in security. Wells Fargo claims that the verification is based on the remarks of transactions made for tuition related. The victim, however, is entitled to receive GI bills for education and has no intent nor needs at the moment during the XXXX XXXX  to involve uncertain high return investments, especially during the period when the macroeconomic condition is severely risky. 

Financial Loss : The victim incurred a significant financial loss of approximately {$90000.00} to {$100000.00} from XX/XX/XXXX to the present, with a specific loss of {$75000.00} from Wells Fargo. 
I have already taken appropriate steps by filing a police report and an FBI online fraud complaint. As an XXXX XXXX XXXX XXXX, I am aware that I am entitled to protection under the SCRA and military consumer protection, as well as reported to the cyber safety manager within the organization, and this unauthorized transfer raises concerns about the security measures in place at Wells Fargo. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to address the financial exploitation and breach of security by Wells Fargo. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Good day, I had XXXX XXXX XXXX XXXX  at my home for more than 6 years. The system was plagued with issues, from blank panel screens to no images being captured despite persons entering and leaving my home and yard space. It became untenable during the pandemic when we were mostly shopping online. I had my delivered parcels stolen regularly and I had no proof of them being removed, despite the fact that I have a XXXX XXXX XXXX  that covers my front yard and part of my neighbors on both sides. Each time I complained to XXXX customer service they would read from their script and tell me to ( 1 ) shut down all power to my home from the main panel ( I have to go outside to the main electrical panel to do this ) ( 2 ) They would tell me to go outside to the door bell and give me instructions to press and report the lighting colors on the door bell to them ( 3 ) They would required me to get a screw driver and instrut me on how to remove the panel cover and perform the instructions that they would provide over the phone from their script. 
I am not a yong person and I am not inclined in these areas or skills. I became frustrated with these tasks and they gave me the option of paying for a technician to come to my home to perform these repair work. Problems usually return within days or a few weeks. 
In XXXX of XXXX, one morning I wok up and my property that faces the doorbell camera was removed from my premises and there were no images captured by that camera for days including that morning, I was livid. I spent 45 minutes on the phone on XX/XX/ until I got a representative. I told her that I wanted to cancel the security service that they provide at my home, effective immediately. They told me it could not be done that way, I have to send a written letter requesting cancellation and wait thirty days for their cancellation process. They text me their email information with instruction for cancelling the service. I came home from work and did as I was told. 
I never received an email or letter from them in respose to my request. On XX/XX/, my husband and I obtain securty service from XXXX, which has been providing effective monitoring service to our home. XXXX has been billing me continuosly even after my cancellation request and the 30 day they told me that they needed. Their useless equiptment has been sittin in a box at my house since it was remove from my walls by XXXX on XX/XX/. Please have the cancel these bills and do all that is need to clear the negative reporting from my credit report. 
Thank you in advance for your review and assistance in the resolution of this matter. 
Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized businesses on my credit report. XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX ( U.S. Bank ) Transfer to XXXX : Why isn't the Federal CFPB providing Proper Oversight and Requiring Complete Disclosure of the Transfer of Service & Terms from U.S. Bank to XXXX XXXX??

Why is there Only ONE Disclosure of " New '' XXXX XXXX Credit Card Terms and NO Disclosure of Previous/Existing " Old '' U.S. Bank Terms & Fees ? 
So Consumers can Quickly and Simply Understand the DIFFERENCES in APR %, APR Balance Transfer, APR Cash Advances, Paying Interest ( i.e. Due Date Billing Cycle ), Fees ( Annual, Transaction Fees [ Cash Advance & Balance Transfer ] and PENALTY FEES ( Late Payment and/or " Surrender Fees '' ( If consumer quits or drops Credit Card Service in 12 months or less? ) from the OLD ( XXXX XXXX " U.S.Bank '' ) to the NEW ( XXXX XXXX " XXXX XXXX '' ) and DISPLAY/Print the DIFFERENCE ( Increase or Decrease ) in APR Rates, Billing Cycle Days and Fees.

Like the Mortgage Industry is required to follow TILA " Truth In Lending Agreement '' rules and full transparent disclosure of terms... WHY Isn't there a FULL DISCLOSURE REQUIREMENT COMPARISON REQUIRED with a Simple COMPARISON CHART provided that shows the CHANGES in Important Terms so Consumers can make an EDUCATED DECISION on if they wish to Continue with the " New '' XXXX XXXX XXXX Terms or Decline and Seek Another Credit Card. 

As it stands... XXXX XXXX XXXX in a " Heavy Handed Approach '' IMO is PUSHING People to take Action " Action Required '' by XX/XX/2022 WITHOUT FULLY EXPLAINING THE DIFFERENCES from PREVIOUS RATES, TERMS & FEES To FUTURE RATES, TERMS & FEES... 

It is CLEAR that this is PURPOSEFUL OMISSION OF CRITICAL FACTS " Half Truths '' that are Presented to Consumers so Credit Card Companies Do Not Loose Customers. 
It is Not At All Unreasonable to Make Such a Request and the " cfpb '' ( consumer financial protection bureau ) should be at the forefront to ENFORCE this Standard Full Disclosure and Transparency Requirement ( Much Like the Mortgage Industry TILA as stated above ). 

The Current XXXX XXXX XXXX XXXX from " U.S. Bank '' to " XXXX XXXX '' SHOULD BE HALTED by the CFPB until FULL DISCLOSURE OF TERMS COMPARISON DIFFERENCES ( In Simple Chart/SpreadSheet Form ) is presented to the Current Customer Base!! This should be a XXXX XXXX to Provide " Comparison Data '' for ALL Credit Card Service Transfers between Companies or Subsidiary Companies. 

I am amazed that this [ SIMPLE Terms XXXX XXXX XXXX ] has not been thought of before... or it has been suggested and " repressed '' for long forgotten reasons... In Short ... AS THE PROCESS NOW STANDS... IT IS ONE SIDED MISREPRESENTATION and NON-TRANSPARENT Disclosure of the Current Transfer Process with a " Heavy, High-Pressure Approach '' to get Consumers to Commit to " Action Required '' by XX/XX/XXXX to New Credit Card Terms without Proper Explanation of " AS IS TERMS '' And " TO BE TERMS ''!
Product: Vehicle loan or lease

Consumer portfolio sold the account in my name to another company after repossessing the car and selling it. The car was repossessed the year ofXX/XX/XXXXand the account was sold the company number it was sold to is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a payday loan from this company in amount of XXXX dollars. I made several pays to this loan. The amount never went down fact it went payment up. I called them asked why doesn't go down rather then up. They said because of the interested, I think this is very bad business, you want to pay-off but to expensive. So I was forced to revoke my electronic withdrawal. Looking into taking legal action into this matter. I really hope these type of compienes can be regulated better in future.
Product: Checking or savings account

Good Afternoon, I have been a customer for nearly two years and never had an issue. On Friday XX/XX/XXXX, I tried to make a transfer of {$900.00} and the app showed a system error and closed. This can be shown as there was even a duplicate. Not knowing the transfer went through even though the app showed an error, I then broke the transfer up into one direct debit of {$500.00} and waited till Monday to finish the other portion of {$300.00}. 

I woke up Monday to notice that the error transfers had been withdrawn from my other bank. 

On XX/XX/XXXX I contacted in app chat support and reported this error and was told to resolve it with my other bank. I did exactly that. 

Once the accurate transfer deposited in my chime account of {$300.00} on XX/XX/XXXX, conveniently, my account was immediately closed after receiving my transfer for being not in compliance. 

This lack of compliance is relative to an app error and as a bank with no physical locations, the immediate closure for a common app error is unreasonable. 

I called support and after time on the phone received the email below to claim my money back and it included a request to get the error {$900.00} transaction amount I had reported to chime. 

I am requesting the following as I have no access to the app with my account closed as of XX/XX/XXXX. 

A copy of my support in app chat from XX/XX/XXXX A transcript of my phone call from XX/XX/XXXX A transcript of my call on XX/XX/XXXX. 
A copy of my actual balance in checking and saving My money returned to me from my checking and savings ( there should be XXXX in savings and approximately XXXX in checking ). 
The terms and conditions of chime state chime may not withhold funds for more than 24 hours. 
Please advise and deliver the requested documents or direct me to somebody who can.