23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called to settle debt in XX/XX/2021 with Professional Debt Mediation and came up with a total everyone ( original creditor ) agreed on. I told the representative there were 2 accounts from PDM, he told me it SHOULD only be 1. When paying off debt, I informed the rep I needed to break up payment due to daily card limit after our declined attempt to pay by phone. He stated I had to pay {$1000.00} for XXXX XXXX XXXX, then could break up and pay the remaining. I specifically asked " once I make this payment, that's it? It'll come off my report? '' He reassured me it would. I then paid online the same day making sure my 1st payment was over {$1000.00}, paying the remaining the following day as my card allowed. PDM removed the 1 account this representative claimed to be as the only, but now claiming I did have 2 accounts and still owe for something I was told I already was paying for. I explained to one rep and a manager that I was told I had 1 account that included what they're saying I owe and they completely dismissed it and stated I shouldn't have been able to pay the account I did pay, without paying sure deposit 1st. I completely agreed and asked " if that's the case and your reps know the procedure, even telling me before paying, how was I able to pay in the 1st place if sure deposit wasn't included like the 1st rep told me? '' They said they don't know and continued to argue if I would have paid it, it would have shown that there was a payment on the 2nd account. However, the whole thing about this incident is that I was made to believe there was ONLY 1 ACCOUNT! Why am I still in debt for something your representative proclaimed I was paying? I asked the manger for the recording from that day, which another representative told me I could request, but the manager stated they don't give recordings to consumers. It seems like every rep there has there own rules and act as if we owe them directly, not to mention RUDE! I contacted the original creditor and they reassured me I have a {$0.00} balance with them, so who exactly do I owe?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Im FILLING to you today to inform you I was the victim of identity theft. 

XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$1900.00} CAF XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX Balance Owed : {$88.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

15 usc 1681a4 violation of privacy.

18 usc 1028a aggravated identity theft.

15 usc 1692c. Collections agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO
Product: Mortgage

My mortgage was recently sold effective XX/XX/19 from XXXX XXXX to LoanCare ( " XXXX   XXXX  XXXX '' ) and I was informed there is a 60 day grace period for me to pay my mortgage to LoanCare. Despite the grace period, I have received physical mail at least four times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( maybe I have misplaced other mailings ) ) from LoanCare saying my payment was late. All this mail is obnoxious considering I know I have the grace period, but might be distressing to someone else who is confused by the fact that the company has sent so many notices. I have made the payment now, and would have set it up before the due date, although their website would not allow me to set up the payment earlier. I suspect these mailings are not illegal, but want to make the complaint in case there is grounds for reprimanding Loancare.
Product: Credit reporting or other personal consumer reports

TransUnion is obligated by the FCRA to report accurate account information, consumer has advised All the inquiries reported are fraud, said company had 4 days according to LAW to remove such items. Consumer filed FTC fraud report, consumer is now requesting TransUnion to provide the documentation used to determine inquiry was indeed authorized by the consumer. TransUnion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with wet ink signature. Consumer is not asking for an e-oscar report. If TransUnion does not have documentation to show these were in fact authorized it must be removed. TransUnion and its Trustee are liable under the SEC to follow specific rules. TransUnion commission file number ( XXXX ). Trans Union LLC, the Guarantors, 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 and XXXX XXXX XXXXXXXX XXXX XXXX, as joint lead arrangers and joint bookrunners, XXXX XXXX XXXX XXXX XXXX XXXX, as administrative agent and collateral agent are all liable. Furnishing student loans on consumer reports is a violation of Privacy Act 1974 and Family Educational Rights and Privacy Act 1974 I have not consented to the publishing of this private information. Also, Furnishing Payment History on Consumer Reports violates 15 U.S. Code 1681a ( 2 ) ( A ) i. I am requesting that TransUnion provide documents that they received from the furnisher in the past 30 days with my approval to publish this information. I will be filing IRS 211 ( treasury omb forms ) to audit the consumer 's account. TransUnion is securitizing consumers ' data yet refusing to provide consumers a copy of their consumer file, not consumer report. FORM TCR TIP, COMPLAINT OR REFERRAL with the SEC with the claim of security fraud. TransUnion is furnishing information on my consumer file without appropriate notification and approval as required by law. IRS Form 3949-A for the IRS to audit TransUnion concerning my principal account and the income TransUnion makes from the principal account consumer file sales. Remove all inquiries Remove all student loan files. Remove utilization, Remove Bankruptcy I want compensation as provided in law for every violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information that is on my credit reports. I started disputing information on XX/XX/2019. Since then I have also sent letters on XXXX XXXX, 2019 and XX/XX/2019. I have not received responses from the bureaus throughout the process other than TransUnion and XXXX  stating they will no longer investigate items on my report. They are clearly receiving my disputes, but not responding. I have included the letters I've sent to the bureaus as proof.
Product: Credit card

On XX/XX/XXXX I made a dispute with Navy Federal who issue my debit card. They took this dispute and stated they would Thoroughly investigate my claim. However, on XX/XX/XXXX I receive a letter stating they found no wrong in the company I was disputed and the amount that was disputed was what was owed once they delivered the item. Which was inaccurate given the items was purchased on XX/XX/XXXX and then was delivered on XX/XX/XXXX. My dispute was because the items wasnt as describe and I wanted them to honor their manufacture warranty but XXXX XXXX  denied my claim on an item that was a defective items. My dispute wasnt because of what was owed once the item was delivered it was in the regards of the item not being as Describe. Which means they failed to Thoroughly investigate this dispute
Product: Credit card

I found the Wells Fargo credit card difficult to find the cash rewards on the statement. 
I transferred all my bills to another credit card and my bank account. 
When I received my next statement, they were trying to collect money even after I told them that all bills had been paid in a timely manner. I called customer service and they wanted the numbers of my credit cards. I found this intrusive and probably illegal. 
I have NO late charges on any of my bills that I transferred. You will find I have always paid my bills in full and never had a late charge. They continue to bill me different amounts every month. No one is listening.
Product: Money transfer, virtual currency, or money service

Hi my Coinbase account and Coinbase wallet hasnt worked properly since day two that it started and I have emailed and tried calling 5 times leaving messages because they promise to call you back but never have Its been 5 days and nights and I cant get my money into my Coinbase card which means its stuck in Coinbase wallet and I could lose it all if the funds crash as they often do I only get an email saying oh were dealing with it and will contact you immediately but 5 days and nights no help no support at al Its very unprofessional but ile bet big players are getting their money ok
Product: Credit card or prepaid card

On XX/XX/2021, my credit card wyndham rewards/visa, from BARCLAYS Bank was charged fraudulent with an amount of {$7500.00} as temporary authorization, balance transfer, that day I call to the customer service ( XXXX ) XXXX to report this, and replace new credit card. Them on XX/XX/2021 that charge was posted on my credit card account, in amount of {$7500.00} plus {$150.00} as balance transfer fee an total of {$7600.00}. Also, I call to Police Dept. and report this incident, in XXXX, XXXX XXXX, New York. 
From Barclays Bank, I receive new credit card and a letter let me know they investigating and may be, an resolution in 60 days. 

I did some investigation and found that transfer was made to XXXX XXXX  in Ohio, Bank Routing Number XXXX, Checking Account ending in XXXX. 
The application was made as XXXX TO CK ACCT- XXXX XXXX Amount : {$7500.00} BALANCE TRANSFER FEE. Amount : {$150.00}
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by UPSTART HOLDINGS , INC. d/b/a UPSTART. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by UPSTART HOLDINGS, INC. d/b/a UPSTART on XX/XX/2021, via email. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by UPSTART HOLDINGS, INC. d/b/a UPSTART adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), UPSTART HOLDINGS, INC. d/b/a UPSTART is now civilly liable to pay me for the damages.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$5300.00} XXXX XXXX Balance {$1500.00} XXXXXXXX XXXX XXXX Balance {$0.00} -tied up XXXXXXXX XXXX XXXX XXXX XXXX Balance {$13000.00} -tied up
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  & equifax and told them false inquires are reporting on my credit report and they did absolutely nothing and said i must have an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to MACY 'S CORPORATE SERVICES, LLC. Thanks!
Product: Debt collection

I do not owe this debt. I have rechecked my dates that I was covered by my parents policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parents policy in XXXX XXXX. 

On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 

All payments for health care services had been compensated for via insurance. I do not owe any medical balances, I even had additional coverage in my employment package. Please note this to my prior entry.
Product: Checking or savings account

From XXXX my account had XXXX fraudulent ACH transactions. 
Wells Fargo refused to refund {$1700.00} on the fraudulent transactions that they paid out. From XXXX, Wells Fargo identified and blocked five fraudulent ACH transactions. On XX/XX/22 XXXX paid four fraudulent ACH transaction to XXXX XXXX, whom they had previously identifed and blocked repeatedly on XX/XX/22. At no time did WF communicate to me via text, email, letter or phone call that they had identified and blocked active fraud in my accounts. At no time did WF suggest closing an account they knew to be compromised. However, after refusing responsibility they wrote to me " Please note, when an account is compromised via ACH fraud, it is recommended to close the account and open a new one..

... WF repeatedly suggested I add " account and security alerts ''. No such options exist for deposit accounts. 
Wells Fargo denies any responsibility since I did not discover and report the fraud within 30 days of the event, despite the fact that they knew of multiple fraud attempts and made no effort to alert me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding inaccurate information on my credit report. Despite my formal request for investigation, you have responded that the information in question has been verified and updated. However, upon reviewing my credit report, I find that the inaccuracies remain unresolved. 

This response is unacceptable and constitutes a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : Section 611 ( a ) ( 1 ) : You are required to investigate disputed items and correct or delete any information that can not be verified with 100 % accuracy.

Section 623 ( a ) : The information provided by the data furnisher must be accurate, yet the errors persist.

The inaccuracies in question include : 1. Incorrect dates.

2. Inaccurate balances. 
XXXX. Payment history errors.
Product: Vehicle loan or lease

I had a auto loan through XXXX XXXX, who said that I did not make a payment for XX/XX/XXXX payment was made over the phone, the then proceed to say I didnt make payment and send my loan over to Westlake financial portfolio who then sends me a letter stating they have taken over my loan and that my loan is late I then call and try to fix also send proof it has been 1 month they still have not fixed the problem also were calling multiple times trying to collect the loan after me explaining to everyone that Ive paid it and have sent proof still no resolution, I finally spoke to a supervisor who then said they would get it fixed and still nothing has been fixed. I dont dont like this company and I didnt agree to have my loan transferred over.
Product: Debt collection

I received a collection letter from USI Solutions , Inc.  Dated XX/XX/2019 stating I owe the amount of {$52.00} to a Company called XXXX XXXX, ( attached ). I informed them in writing ( attached ) on XX/XX/2019 that I knew noting about this Debt nor have I ever done business with XXXX XXXX, this was within the 30 days they stipulated in their letter. My letter was sent certified mail and it was signed for by their representative on XX/XX/2019 ( attached ). As of today XX/XX/2019 I have not had a reply from USI Solutions , Inc. even though I specifically asked for a reply. My understanding is they have 30 days to reply and we are well past that deadline. My concern is not so much as the dollar amount since it is a relatively small amount, but the fact I know nothing about this Debt or XXXX XXXX and I need to get to the bottom of this before my credit is impacted for a debt that I do not owe. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with Banco Popular of Puerto Rico still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX  ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with Banco Popular of Puerto Rico.. 

Sincerely, XXXX XXXX XXXX XXXX, 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX. The bankruptcy courts do not report to the credit Bureau so how did they get this information? It should not be on my report.

2. my bankruptcy has been discharged and theyre still showing it as active.
Product: Credit card or prepaid card

Hello, I am sending you to complain about the lack of response and cooperation from Bank of America ( BoA ) I reported a fraudulent transaction on XX/XX/2020 for my account ending XXXX. 
Total fraudulent activities on my account : {$3100.00} Claim Number : XXXX I contacted BoA back in XX/XX/XXXX, and started a claim. I received a letter in early XXXX saying that the claim has been closed, because " the account or the claim have been the subject of fraud or suspicious activity ''. The same letter says that " any related reimbursement of fees, has been or will be debited from your account and reflected in your available balance, if any. '' Until this date my issue is not resolved, I tried to follow-up via phone at XXXX XXXX XXXX calling multiple times and waiting on line for more than two hours each time with no answer.

Finally, 2 weeks ago and after waiting for almost 3 hours on hold, I was able to get connected to an agent, but unfortunately she wasn't much of help.The agent 's only solution was that she will send the bank an email and they should send me a letter. Nothing is received as of today. 

We visited, couples of days ago, BoA branch XXXX CA XXXX ) and unfortunately, same response. There is nothing they can do! 

We sent this week our complaint to BoA customer service, and as expected nothing is received! 
We have been going in loops without any progress, and the issues is causing us too much drama and anxiety. The claim amount is the unemployment money, and the lack of response is causing avoidable harm, if they just can do what they promised they would! 

I request that BOA reimburse the credit of {$3100.00} the soonest to my account, since the claim has been closed, and we have been waiting for the resolution for almost 45 days
Product: Debt collection

I HAVE ASKED RENT RECOVERY SOLUTIONS TO PROVIDE PROOF THAT THEY ARE LICENSED AND BONDED TO COLLECT DEBT IN THE STATE OF GEORGIA. 
( PROOF TO COLLECT LETTER SENT ON XX/XX/XXXX IS ATTACHED ) ( PROOF OF NONLICENSURE FOR THE STATE OF GEORGIA IS ATTACHED ) RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/XXXX Dear Sir or Madam, XXXX I am writing to request proof that you are licensed and bonded to collect debts in the state of Georgia. If so, please provide proof of the original contract with wet ink signature. As a consumer, I have the right to ensure that any debt collection activity being conducted on behalf of your agency is done so in compliance with state laws and regulations. 
Please provide me with documentation or confirmation of your licensing and bonding status in Georgia. This information is crucial for my understanding and protection as a consumer. 
Thank you for your prompt attention to this matter. I look forward to receiving the required information from you soon. 
Sincerely, XXXX XXXX