23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent upon my consumer reports being fair, and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) you were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and XXXX. I have been unable to get a job or access credit cards because of you assuming this role. You are in violation of 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) if this was a factual transaction ( which you wouldnt know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. So pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my consumer report.

THE COMPANY REMEX INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO XXXX XXXX XXXX i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Product: Debt collection

XXXX XXXX XXXX ( TD Bank Retails Services for XXXX ) have reported unauthorized charges to the credit report agency, which impacted my credit FICO score to go down from Excellent to Good. The entire amount charged ( {$570.00} ) to my account had not been authorized at any point by me. Due to being concerned with the credit report score and my employment safety, I went as far as trying to pay TD Retails and XXXX. Even though I did not authorize this purchase and charges, and due to the TD Bank harassment and phone 's stalking, I tried paying the original amount of {$220.00}, which is the original unauthorized amount. I paid with my XXXX XXXX and XXXX  XXXX XXXX, but both banks declined the payment without any fault/ action by me. TD Bank continued harassing me further, added more penalties to these unauthorized charges, which inflated the amount to {$570.00}. I had no luck to reach anyone with XXXX XXXX and TD Bank consumer rep refuses any other form of payments including checks even when Offred them ACH payment from my bank. I recently provided by phone call to TD Bank rep on XXXX XXXX another bank account to pay these unauthorized charges to stop the continued harassment of TD bank consumer accounts for XXXX. Payment posted to my account for {$220.00} in XXXX XXXX, XXXX yet TD bank got blocked by XXXX  XXXX XXXX not due to any fault of mine or action by me. I have NOT authorized any of these charges and/ or fees, which I have been harassed by ( TD Retails Bank consumer account for XXXX ) to pay. 

Please Note : At any point there was no any kind of knowledge or any kind of notification or any kind approval to such services by me. I have fully paid the full amount ( cost ) of the device ( XXXX XXXX  XXXX ) within one month of purchase and did not finance nor authorized any coverage services. My credit has been excellent. XXXX financial retail services baseless claims and their unauthorized actions have damaged my credit. I need your help please. I have been seeking attorney 's services to fix these illegal activities and charges, but all of the legal counsel I spoke to had pointed me to your agency.
Product: Mortgage

i have a tax emption status when i bought my home. i qualified, over XXXX but in XXXX  amerihome mortgage sent me a bill for over {$400.00} dollars or more from what i was paying for last year. 
they did not give me any explation for rasing my mortgage pmt. only asked me to send in another letter from tax assessors office in XXXX XXXX XXXX, XXXX XXXX, tx. i called them after faxed the proof letter. i was told it was being process, get answer in 2 weeks. they never reduced my payments and ignored the exemption status. 
i feel the mortgage company is just trying get extra money from me on monthly payments. 
i m tired of calling them and bring problem to there attention. there customer service keeps making excuses and telling me they look into the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX sent me a letter certified mail I received XX/XX/2018 for the amount of {$3200.00} plus costs. they wrote " FAILURE TO COMPLY WITH THIS INFORMATION SUBPENA MAY RESULT IN YOUR ARREST AND INCARCERATION ''. I never received a court order or anything directly from the court requiring me to do anything.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

Creditor says debt is paid/written off as " bad debt '' but still reporting to credit agencies
Product: Bank account or service

I was XXXX a bar for 6 months while the owner rested. I was misled into believing that I needed to pay the utilities and inventory. I did not have access to the business ' bank account and was not authorized or comfortable using the cash for the register, so I misled into thinking if I pay it I would be reimbursed, however I felt very uncomfortable and did some research with Hawaii State Liquor commission, what the owners were doing was not legal in the Boards eyes and they 've be called to a hearing to explain themselves. I paid the funds from my business debit card with XXXX and my Paypal business card as well as m personal debit card, Paypal and XXXX has closed my dispute with no resolution. 

Almost {$15000.00} dollars was taken from me and it has severely hurt my family 's livelihood. Their judgment was I authorized the charges there is no there is no case to dispute however I feel likeIt was falsely paid
Product: Debt collection

There was some type of issue where automatic payments on a XXXX XXXX XXXX did not go through which resulted in Shermata Law XXXX XXXX company taking over the account & getting a court order for garnishment. After I presented my situation to the court the garnishment was set aside & I made payments in full to Shermata & now Shermata is having my wages garnished again for money I do not owe. According to the courts they will be taking 25  % of my wages which is a lot of money & the courts direct me to talk to Shermata but when I call the # listed XXXX it directs me to call XXXX when I call that I get put on hold for a long time then a recording comes on that states no one is available to take my calls so I can not speak to anyone to get resolution. I faxed in copies of my payments which reflect that I actually overpaid on the account but nothing has been done to stop the garnishment & the courts are stating they can't without Shermata contacting them.
Product: Debt collection

I received a summons to court for a medical bill that was past due. I had never been contacted by the company prior to them filing a judgment. Once I was aware that the accounts were placed in collections, I attempted to make payment arrangements and was notified that they are charging me interest and attorney fees and court costs. I am willing to pay the debt, but at the original amount. I want to know when they the Initial Demand Letter was sent and where it was sent because the representative XXXX XXXX said she could not tell me because there collection agency did not send it another agency did. They made no effort to fairly collect on this debt before pursuing judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 The credit bureaus stated XXXX XXXX account # XXXX was properly investigation but how is that possible if im the original creditor and on XX/XX/2023 i sent a verification form certificated mail number # XXXX with instruction and they were not completed there for all these soft pull hard pull and names address that you have on my report are to be removed imditily this is also volition my rights under 15 u.s.c 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions i haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX dollar fines are to be sent to me and company held a countabule for their actions thank you mr XXXX XXXX.
Product: Checking or savings account

I had an account with Capital one account # XXXX Routing number XXXX On XX/XX/XXXX I issued a check for rent that was apparently stolen and falsified by someone that Capital one told me was in Pennsylvania by the last name XXXX and was cashed at a personal account and bank in PA. I reported this a month after in XX/XX/XXXX when my landlord reported not receiving the payment. An investigation was open and all the information sent and confirm by the bank and every other report done. I was told that I had to wait until the bank that released the funds return it. This is terribly unfair because the bank should have some type of credit given while the investigation takes place. In a subsequent call the representative was laughing saying that she would hear me vent but there was nothing I Can do and If i wanted I could just close my accounts with Capital one. Someone in the fraud department. This is still unfair because that will not return my money and if I am good to put my money in their accounts If something happens and I prove this then my money should have some guarantee. 
Please help I feel hopeless and don't know what to do anymore to get this money back.
Product: Mortgage

ocwen loan servicing company has been continually and consistently been making harassing phone calls to me. this has been going on for 11 months, starting on the XXXX of each month and going to the XXXX. some days they call as many as 5 times, starting at XXXX and going to XXXX despite repeated and written notice to stop ( not to mention a perfect payment record ), these calls keep coming and i believe are a personal vendetta.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from World finance, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything.

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XX/XX/XXXX until now I tried dispute especially with the data breach from XXXX, XXXX said they verified them and they re factual. I tried to dispute my name it has XXXX. next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX. on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX Veteran Affairs Medical Center. And this account was paid by the Veteran Choice program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.
Product: Money transfer, virtual currency, or money service

Requested to have a wire transfer from my bank, USAA. The amount I needed for the wire transfer ( for closing on a property ) was a little less than {$58000.00}. 

USAA stated that my account was " flagged '' ( or something similar ) because I had DEPOSITED some old checks, that were no longer valid. For whatever reason, they " flagged '' my account, and that wire transfers were not an option until USAA did a review. 

When I tried to resolve this issue ( I have over {$130000.00} ) in my my account, they said it was their " policy '' and the funds are not available for a wire transfer. No amount of discussion, or pushing the matter higher up changed their " policy. '' Further, if my account was " flagged '' and certain transactions were not allowed, does USAA not have a legal obligation to inform me of this? In advance? And with a remedy? I have done nothing wrong, and their representatives stated that it's " their policy, there is nothing they can do ''. 

I don't understand how a bank, in America, that caters to the military community can have over {$130000.00} of my money, and will not issue a wire transfer to me. This is made worse by the fact that they are acting like I did something wrong... the checks I attempted to deposit were too old ( totaling around {$600.00} ), and the money was not deposited. Now, they are not giving me access to my own money. 

This can not stand. This is egregious. This seems like fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX  XXXX XXXX At XXXX XXXX, XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXXXXXX Balance Owed : {$XXXX} XXXX XXXX  XXXX Balance XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

CashApp is allowing a company called XXXX XXXX XXXX to empty its user accounts and doing nothing about it. Upon researching who this company was after my card was charged over 15 times until it was emptied, I learned that this has happened to hundreds of CashApp customers and we have all been given the same response. Its not out of the question to assume that CashApp would be stealing from its own customers considering the fact that they refuse to help anyone this has happened to. You can read more stories here : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXXXXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XXXX ) and XXXX and XXXX ( XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

BOTH EQUIFAX AND XXXX  DROPPED MY FICO  SCORE SIGNIFICANTLY WITH NO SUBSTANTIATED REASON. NOTHING ON MY REPORTS HAS CHANGED IN THE LAST MONTH OTHER THAN ME PAYING OFF MY XXXX  XXXX XXXX TO XX/XX/XXXX Balance. 

I HAVE 100 % payment history, No derrogatory remarks and my credit card utilization is 0 %. ARE THEY ABLE TO TELL ME WHAT DRASTIC CHANGE HAPPENED< THAT THEY ARE NOT REPORTING IN ORDER TO DROP MY FICO  SCORE SO SIGNIFICANTLY? 

TO ME, its a form of bullying and harassment. THEY JUST ADJUSTED IT in XXXX AFTER MY COMPLAINT HERE. WHY DO THEY KEEP DOING THIS KNOWING IM GOING TO COMPLAIN HERE?
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and credit.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

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ID FOR COMPLAINT SENT TO TRANSUNION LEGAL DEPARTMENT XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXXXXXX XXXX below are the Personal Information that are being challenged Incorrect Name - XXXX XXXX Incorrect DOB - XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Money transfer, virtual currency, or money service

I use zelle very often and I was not made aware of the fees that they have when sending or receiving money.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report without any explanation. After checking my credit report as I always do, there were strange discrepancies that weren't there before. I tried refreshing my browser, hoping it was just a glitch, but the inquiries didnt disappear. Im really upset and request that the documents Ive provided be thoroughly reviewed right away so this issue can be resolved permanently.