23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Due to XXXX XXXX 's Immigration Lawyer, XXXX XXXX, & Operations Manager, XXXX XXXX, money was wired from my account Domestically & Internationally on the following dates : XX/XX/XXXX for {$2600.00} for XXXX XXXX XXXX XXXX ; XX/XX/XXXX for {$3400.00} for Security Clearance ; XX/XX/XXXX for {$5600.00} for Non Resident Overseas Account ( XXXX Bank XXXX ; XX/XX/XXXX for {$4200.00} for Administrative Fees ; and XX/XX/XXXX for {$6000.00} for Government Tax Levy Fees. 
All of these wires were scams & JPMorgan Chase Bank informed me that they can't help me retrieve my funds, nor put in an incident ticket, which were to fraudulent accounts in which Chase had no issues releasing my money from my account in the first place. 
The tracking numbers I have been provided are as follows XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 instruction
s. 



In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction
s.
Product: Debt collection

On XX/XX/year> I received a letter from Stillman law offices, on XX/XX/year> I sent a debt validation letter. From that point XXXX  communication from the debt collector until XX/XX/year> when a process server knocked on my door, informing me Stillman law office was suing me for said debt.. They never validated the debt, XXXX communication after I sent my letter, now they are suing for said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   , 2017, I w as referred to  XXXX   XXXX  company in  XXXX , Ca.   XXXX   XXXX   to get a pre-approval for a prospective property in   XXXX  County . Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on   XXXX   XXXX   , 2017,   instead. I emailed and faxed most of all documents to   XXXX   XXXX   in return email from   XXXX   XXXX   she asked if she could forward my bank 's statements to my realtor. With that email, I called   XXXX   XXXX  , I do not wish to move forward, something was not right.  Realtor  only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer af ter 36 hours  request to me, does not have a business to have personal financial sensitive information. After a phone conversation with  XXXX   XXXX , my husband and I decided not to move forward with loan and property. I advised  XXXX  Not to run my credit check, but she said she did anyway. On  XXXX   XXXX ,  2017, I le arned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis (  XXXX    XXXX  company  used  )  about the inquiry. The respond from the agency stating that  XXXX   XXXX  indicated that  XX/XX/17     XXXX    XXXX   we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department  XXXX   XXXX  I spoke with the loa n officer for  your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with   XXXX   XXXX   from   XXXX   , 2017, and I e xchanged a handful of emails on     XX/XX/XXXX    , no authorization have been mention of running credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol one auto Acct., federal student loan were closed in XX/XX/XXXX under XXXX  XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit. 

XXXXXXXX XXXX XXXX Acct. was held under spouses bankruptcy XX/XX/XXXX under XXXX  XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to me, XXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and i want it removed from my credit report.
Product: Consumer Loan

Applied for a vehicle loan online with no credit back in XXXX. I was approved for a XXXX XXXX XXXX for XXXX. Ive always had problems with this company. For the first three months I had an allotment set up with them and they claimed that they did not receive my allotted payments because they did not have the right allotment number after I sent them the allotment multiple times. In XXXX XXXX, I deployed and set up an auto payment where monthly payments would be made every months. On XXXX/XXXX/XXXX my car was repossessed for missing 3 monthly payments. I called and tried to receive information on my auto payment plan but the representative told me she could only tell me how much I needed to pay to get my car back.
Product: Credit reporting

I have repeatedly made attempts to submit a dispute online and by calling Equifax. None of these attempts have resulted in the inaccurate information being deleted. Equifax seemingly requires customers to obtain a current " Equifax '' credit report from them in order to process a disputed item. This is ludacris. XXXX XXXX monitors my credit rating and made me aware of the inaccuracy. XXXX and XXXX have both deleted the inaccurate reporting but still no success with Equifax. I have obtained a police report through the XXXX Police Dept. documenting the violation in case I am unfortunately harmed by this negative credit item.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX our company accounting department found out our customer, XXXX XXXX, through XXXX XXXX, sent several deposits of funds, over an approx. period of 4 weeks via ACH deposit, to an account at Chase Bank, totaling approx. $ XXXX, intended for my company XXXX XXXX. However, my company was not aware the deposits were no longer going to the account that the funds had been deposited in for more than 2 years. My company accounting dept. thought there had not been any payments due until they realized 3 to 4 weeks had passed with no deposits. Upon an investigation with XXXX XXXX we found out XXXX had been sent a fraudulent email letter requesting forms so they could change the location of any future deposits to Chase Bank. They forged my signature and submitted the forms and the funds began getting deposited to the account at Chase Bank. My complaint is that those funds were clearly intended for my company, why can I not get details from Chase bank on when the deposits were made, for how much, and more importantly, who received those funds? 

I have attached a copy of the form sent to XXXX asking for the change to have the funds deposited to the Chase Bank account. This is a forged document. I have also attached our original ACH form, filed with XXXX on XX/XX/XXXX and you can clearly see that the signature on the forged copy does not match my signature on the form filed XXXX.
Product: Vehicle loan or lease

Hello, I am reaching out in regards to my auto loan XXXX with Santander Consumer. This was opened in XX/XX/2024 XXXX setup autopay to start in XX/XX/2024 for some reason the money was not withdrawn but when I was made aware of this issue I quickly got it paid up. I have since reset the autopayments up.
Product: Debt collection

Starting on XX/XX/2022 the former property management company ( XXXX ) I rented from illegally raised my rent during my lease, and without due notice. The sent me email confirmation that my rent would be raised on XX/XX/2022, but raised my rent before then. I vacated the apartment on XX/XX/2022 after submitting appropriate notice the month prior ( which was confirmed by the property management company ). The company attempted to bill me for additional rent that I did not owe and I did not pay. The company charged my account for rent and additional fees on XX/XX/2022, the day I was vacating. 

They then sold it to a debt collection company. 

I sent a letter by mail disputing the debt and asking for validation. The debt collection company ( Columbia debt recovery LLC DBA Genesis ) sent an expired lease ( expired XX/XX/2022 ) and an invoice that just has " rent owed '' for the debt validation. They did not send anything regarding the time I rented from XXXX. I still have all of the invoices and receipts from my actual rent payments, the emails stating my rent would not increase until XX/XX/2022, as well as the additional rent charges they added to my account with them and my payments from their online portal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of an incorrect phone number that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX XXXX. 
Social Security Number ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number to be Removed : ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX. 

**Attachments : ** - Copy of ID - Proof of Address ---
Product: Student loan

Navient calls multiple times a day regarding past due payments. The calls begin 1 day after the due date and so far today ( it's XXXX EST ), they have called the co-signer on the loan 3 times because the payment is 1 day late. I was told that was their procedures, which is ridiculous. I also asked to remove the co-signer 's phone number from the account as he is a senior citizen and gets very worked up when he receives these calls. I have told them that they are free to mail him any documentation they want but the phone calls need to stop. They said they can not do that. They do absolutely nothing to assist my son in lowering the payments or deferring the payments while his income improves. Additionally 2 years ago we submitted paperwork to remove the co-signer, my son met the requirements, and each time we called they said they were working on it. 

This is the WORST company ever to handle student loans. Clearly they have no compassion for the kids who come out of college with $ XXXX in student loans and are trying to make a living to pay for it.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian multiple times and they have not removed it off my account
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 1028A I am a victim of identity theft. I never gave authorization for these accounts to report on my consumer reports by the consumer reporting agencies.

FCRA 605B states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of the receipt. And I was affected by the Equifax Data breach, My personal information was exposed.
Product: Money transfer, virtual currency, or money service

I met a woman on XXXX. We began to talk for a while. She then started telling me she was making money in XXXX. It took her a while but then I made a small investment. I made money. I then made a larger investment. Made more money. I then made a very large investment. The total investment is XXXX. Her back story was that she is from XXXX. Her sister married a man in a town south of where I live. Her sister talked to her moving here. She said her uncle was a retired XXXX XXXX. And was in XXXX. He had a team that was figuring out the math to invest in the market. At the end of XXXX, she and her sister went to XXXX XXXX  where her uncle lives. This was supposed to be for his birthday and retirement party. She was supposed to be here at the beginning of XXXX. We had plans to live together. She wanted to stay till the end of XXXX and learn more from this investment team. We continue to trade during this time making a supposed lot of money. At the end of XXXX she said her mother was in the hospital. The mother wasn't going to make Live. She and her sister went home to XXXX. At this time is when the trading ended. She said let 's take the money out of the market and pay off the lone I had. And pay back my IRA. I did the withdrawal. The next morning, she message me and asked me to check to see if my Withdrawal went through. That hurts had been Denied. I looked in minded been denied. I asked the customer service for the market why it had been denied. They said the taxes need to be paid up front. This made me suspicious. I started asking questions an accountant at an online trading company. They both said this was wrong. I should be able to pay my taxes out of my account. I have not been able to recover any of my money.
Product: Mortgage

As of XXXX 2016, My wife and I have reached a payoff settlement on a 2nd mortgage / home equity line of credit with Regions Bank. The funds were received by the lender and the lien plus judgement were removed. The lender has not however removed the negative items listed on my credit reports which has a very negative impact on all other aspects of my financial affairs and since this was paid as agreed, I should not continue to suffer as a result of what was predatory lending practices.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} XXXX  acquired my student loans from XXXX XXXX XXXX on XXXX XXXX, and reported XXXX late payment for each loan in XXXX. XXXX  XXXX XXXX never reported any late payments nor was I ever late on any payment.
Product: Payday loan, title loan, or personal loan

I am the co-signer of a loan that my husband took out. Due to XXXX, I contacted Climb XXXXXXXX XXXX to pause payments for a couple of months due to being out of work. Since reactivating the payment plan, we are unable to make payments due to an issue on their side. We have contacted them upwards of 10 times trying to resolve this issue as it is severely affecting both mine and my husbands credit, but we are constantly being told that someone will call us to follow up, and nobody does. From the information I have gathered, they have sold our loan to another company who is out of state and therefore can not legally accept payment from us. We need this issue resolved ASAP as my credit has plummeted due to their lack of help and responsibility in this situation. We owe approximately {$7000.00}.
Product: Credit reporting or other personal consumer reports

I was looking to refinance my home, and during the application they reviewed all three credit reporting agencies. They advised me of collection accounts on my credit and after careful review, I can confirm I have never done business with any of these companies. I cant get any info from the company because there is a password placed on each account. I have listed the accounts below and what I do know about them. 

XXXX ) XXXX XXXX XXXX {$3500.00} XXXX ) XXXX XXXX XXXX {$920.00} XXXX ) XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX ) XXXX XXXX {$9000.00} XXXX ) XXXX XXXX {$14000.00} I have never done business with these company this is keeping me for refinancing my home and pulling equity out to fix up my home. I had a tree fall on my house and i need to get a new roof, so thats the reason i applied for a heloc on my home but because of these accounts above, I cant.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} Cach LLC XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Product: Credit reporting or other personal consumer reports

CDR now reporting a known incorrect amount as collection on my XXXX. This changed over night and is now put me in jeapordy of obtaining mortgage
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to XXXX. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

1. Actual Damages : - Cost of legal representation : $ XXXX - Loss of productivity and time : $ XXXX - Emotional distress and inconvenience : $ XXXX 2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} XXXX. Attorney 's Fees : - Cost of attorney 's services for litigation : $ XXXX  Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/23, I disputed 4 unauthorized transactions on my debit card account. On XX/XX/23, I received notification that the determination was that the disputed amounts were permanently credited to my account however only 3 of the 4 were credited. On XX/XX/23, I received another email with them letting me know that the XXXX one has been permanently credited as well. The amount was for {$51.00}. 

I did not see that credit so I reached out to them again on XX/XX/23 to inquire about the status and I am not getting a response after being told that there would be a response in less than XXXX minutes.
Product: Debt collection

Early this month, XXXX, I checked my credit score via XXXX XXXX, and I saw that something was impacting my credit score negatively. I had no idea that anything was owed to a rental property as I have been out of the country for the last 4 years. Upon calling the collection company, IQ DATA INTERNATIONAL INC, I was then informed of what I owed. Additionally, I also stated that I would be interested in clearing the account after receiving the proof of debt in writing. As I have never received a call or a letter by the collector which seemed strange and there was additional fees added to the amount due that I wanted to review.

They, however, said they would not provide unless I committed to paying the account. I told them I couldn't pay something that I was not aware of, and this was escalated to a manager. The manager then told me that my options to pay back the debt would be only available during the first call, and if I were to call back again, I wouldn't be able to get the same offer of payment plan and get this off of my credit.

That is when I learned any collector has to provide you with full proof of debt per the rights stated by the FDCPA. The people were rude and tried to push me to make a payment without me first learning of what I owed.

This is a very rude company. I event attempted to call them back and received no answer so I left a voicemail. Never got a called back, is like they want the debt to stay with them instead of resolving the collection.