23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was preapproved for {$380000.00} for financing and explained to the loan officer or credit solutions advisor as his title states later told me he didn't want to do the financing for the multiple properties that I was in contract on. The person helping me at the location is named XXXX XXXX and in my 17 years of buying and selling real estate, I have never had such a bad experience. I can't even find a way to go to the location in person to complain because that branch is temporarily closed. I'm beyond upset and frustrated to say the least. I've requested updates and have not received any response.
Product: Money transfer, virtual currency, or money service

{$6000.00} is missing from my bank account. I deposited US {$6000.00} from my Bank Of America Account to XXXX 's receiving bank XXXXXXXX XXXX  on XX/XX/2021. The money was deducted from my account but XXXX and XXXX claim to have never received the money. This transfer was made XX/XX/2021 and the issue is still unresolved and the money is still missing. The issue has been bouncing back and forth between all the parties involved - XXXX ( # XXXX ) / XXXX ( trace # XXXX ) / Bank of America XXXX Claim # XXXX ). I have outstanding customer support tickets with each but the issue is still unresolved. The money has been missing for 2.5 months now and the parties involved have been very slow to address and solve the issue.
Product: Debt collection

XXXX XXXX XXXX has contacted me at work and via my cell phone, both legal, but they call from a number that comes up as Unknown. I verbally told them to stop calling me at work and on my cell phone as I work XXXX hour days and do not have time to speak to them. The woman from XXXX XXXX XXXX told me she had not called me at work yet when I told her they could not call me there, she suddenly had the number at her fingertips to remove. My greatest concern at this point is that on their Pre-Legal notification, the Date of Default is listed as XX/XX/XXXX but the date of last payment is XX/XX/XXXX. How can an account be in default if the last payment was made in XXXX. Therefore, I am fully and rightfully disputing their claim that I owe {$4200.00}.
Product: Debt collection

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit report. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 
I demand the following Inquiries be deleted immediately. 
ALL LATE PAYMENTS REMOVED IMMEDIATELY.
Product: Debt collection

Toledo Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/2022 the supervisor XXXX stated she could not remove any information from my consumer report without out permission of the lenders I stated that she was in violation of the Fcra 15 usc 1682 ( b ) EQUIFAX didnt not exercise their grave responsibilities with fairness impartiality, and respect for the consumers right to privacy.

She is also in violation of FCRA, 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( A ). This prohibition is reinforced in subsection ( XXXX ) by the prohibition against furnishing inaccurate information after notice of actual inaccuracy from the affected consumer. 
XXXX also stated she knows Im the original creditor but she proceeded to violate my rights this company never had permissible purpose and never was instructed to furnish or create a report I never gave consent for to the reckless and unfairness of my consumer report I am seeking litigation due to the incompetence of this company and withholding my information in which they are not supposed to have They have violated my rights and also my privacy due to the fact that the information is inaccurate pursuant to 15 usc 1681c ( a ) ( 5 ) only criminal convictions of crimes which antedates the report
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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've asked for validation of debt. 
I stated that I never had a contract with this debt collector for any debt. And asked that proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it be provided.
Product: Vehicle loan or lease

XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. 

The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute 537.012 governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. Needless to say I did not have {$100.00} because I only had what was left for me to pay the lender. 

Furthermore, my car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. Under the provisions of 15 U.S.C. 1681o of the Fair Credit Reporting Act, I am requesting that you investigate this matter, as I believe this information is inaccurate or incomplete.

The item ( s ) in question are : Account Name : XXXX XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} In accordance with the Fair Credit Reporting Act, I request that you : 1. Investigate this dispute within 30 days, as required by law.

2. Provide me with the results of your investigation.

3. Correct or remove the inaccurate information from my credit report, if applicable.

Please provide me with written confirmation of the resolution of this dispute once your investigation is complete. If you need further information or documentation from me to assist in the investigation, kindly let me know.

Thank you for your attention to this matter. I look forward to your prompt response in accordance with my rights under 15 U.S.C. 1681o. 

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

This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX ) Account Number : XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX V ) Account Number : XXXX 5. Account Name : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX Account Number : XXXX 9. Account Name : XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX 11. Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and immediate repair due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Synchrony Bank made no attempts to resolve issue with the original complaint and dispite multiple attempts to correct the facts that they fabricated, ( I never cancelled my autopay as I depend on automation to manage my finances ). They tried calling me and I attempted to return the call multiple times without sucess. 

The fact remains that their autopay failed and they falsely stated that I caused the issue.
Product: Credit reporting or other personal consumer reports

Hello, The credit bureaus XXXX, XXXX, Equifax are reporting on my profile that I have a balance and missed payments currently however, I am in forbearance and not required to make payments at this time and this needs to be corrected asap. They are ruining my chances for getting approved for home loan, car loan and credit loan. I have provided proof of this forbearance attached.
Product: Money transfer, virtual currency, or money service

My situation started when I received a payment of {$4100.00} from an unknown business that operates in Colorado. Following this situation a person called me claiming to be partners with the company that sent me the money, this person told me that he was interested in giving me a job, the job was to take the amount of {$4100.00} out of my bank account ( the money he sent ) through the ATM and deposited into one of his accounts. I immediately knew that something wasnt right. So What I did was I send the money back to the original sender ( Company in Colorado ) in two electronic  payments of {$2000.00} each totaling {$4000.00}. 
A day after I completed this transactions the bank froze my account, I went to the bank and spoke with the claims department and notified them about this issue, I also notified them that I sent the companys money back to them and that I only needed to send back {$170.00} more. Now this company in Colorado made a claims against the original transaction, which the bank ( knowing about the fact that I gave them their money back ) approved their claim and debited my account for the total of {$4100.00} creating an overdraft in my account. So now this Company in Colorado have kept {$4000.00} extra out of my expense because the bank Forgot about the two transactions of {$2000.00} that I sent back. I called the bank so that they could reverse the two transactions of {$2000.00} each and they denied my claim. I think this is really unfair because the bank should be responsible for this matter since they authorized a debit to my account knowing that I gave the money back to the original sender. Now Im negative {$3000.00} in my account and the bank is telling me that I have to pay for it.
Product: Debt collection

I saw on my report a collection for {$1100.00} from XXXX XXXX placed by Penn Credit Corporation with an original creditor of XXXX. I disputed it and it said it was verified. I never had a utility account with XXXX. I called Penn Credit and the lady was helpful and transferred me to the voicemail of a specialist who has never reached out to me in over 3 weeks. The representative told me that she couldnt discuss the account with me because although it is under my social, my name is different from the name they have on file for the collection. I even offered to settle it to get it off of my report but because I dont know what name its under she told me I couldnt pay it and she cant help me. Im writing to you asking for your help. Thank you.
Product: Checking or savings account

I was XXXX with my job. Found the company called XXXX XXXX and they advertised themselves as a month to month rentals, but found out they are a fraud. On their contract which you have to pay first before you can access the contract and see what youre signing. It said I had to be there for 3 months. I had to pay {$1400.00} to move in and every month their rent kept going up, I moved in, in XX/XX/2022 and in XXXX I told them Im moving out, and they told me I had to pay them up to 6 months. I was upset, but in XX/XX/XXXX they tried to take money out of my account without my permission. I called the bank and my credit card company to block them and I already turned off my debit card, but Wells Fargo allowed them to have access into my account without my permission and they stole {$1800.00}. I called Wells Fargo how was that possible because I never gave those people my bank details except my bank card which was turned off. Still they took my money. The bank returned the money but later took it back again leaving my account with XXXX and I called tried to dispute the charges but Wells Fargo blocked my number and they said they believed this fraudulent people, and they sided with them. I am frustrated and I need help. I want my money back from Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any of the following items on an id theft report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX LXXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$8800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received and email from ( Credit Control ) attached is a screenshot of it. The email said it was in regard to a XXXX XXXX account and told me how to take care of the account online by visiting there website. So I clicked on the link and poof another bill is actually a completely different bill displayed ( from XXXX XXXX ). That seems like unfair collection practices. This ( XXXX XXXX ) other debt has been on my credit report for almost 7 years and soon would have disappear. Now I am afraid that since I clicked on it that it will reactivate the 7 year period. That is not right. 

Please help me. XXXX