23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern : This Complaint concerns Receivables Management Systems, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. A XXXX XXXX was already supplied to these people three times. Per the Fair Credit Reporting Act, upon their receipt of this Affidavit, they were supposed to cause the removal of this alleged account from my credit report. They have already failed to do so, and thus have already violated the Fair Credit Reporting Act.

Even if this account were legitimate which it is not - please make note of the balance they have reported to XXXX   as to this  alleged debt from XX/XX/XXXX to present, namely : Date Balance Change XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} {$37.00} reduction, no payment made XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest Per my XXXX   credit reports from XX/XX/XXXX to XX/XX/XXXX, they appear to have been charging an approximate average of 13.2 % annual interest on this alleged debt. No contract exists where I authorized such interest on any such alleged debt. 

Per my XXXX credit report on XX/XX/XXXX ( see enclosed ),  for no apparent reason, they appear to have made a {$37.00} reduction in my alleged balance. I made no payment. 

And then, per my XXXX  credit reports from XX/XX/XXXX to present, they appear to be this time charging an approximate average of 10.7 % annual interest on this alleged debt. No contract exists where I authorized this amount of interest either. 

Their credit reporting simply can not be accurate, even if this account were legitimate. 

I am requesting that this fraudulent and inaccurate account be deleted from my credit immediately. 

Thank you for your time and attention to this matter, and I remain Very truly yours, /s/ XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I placed an ad on XXXX marketplace to sell a treadmill. A guy answered my ad and asked if he could pay for it through Zelle. Figuring it was like XXXX I agreed. I opened a my Zelle through my bank app for him to transfer the money to me. I received this email from Zelle : Unfortunately, we're unable to credit your funds ( {$500.00} USD ) into your account now due to the status of your account is not a business user which makes this amount be above your limit. 

How Do I Expand My Account Limit? Action Required : To expand your account limit. Contact the last person that transferred payment ( sender ) to send an additional payment of {$100.00} USD for your account to be fully expanded. As soon as this is done, youll receive ( {$600.00} USD ) in your account as instant deposit. 

IMPORTANT NOTE : An alert has been sent to sender in regards to the {$100.00} USD additional payment that has to be sent immediately. 
So I sent the money which was followed by multiple emails telling me I had to keep sending money to get my money back. This went on for over a month. Having my suspicions, I kept asking why I had to keep sending money to get my money back, their response was that it was for insurance purposes, federal purposes many more reasons for me to keep sending money and being guaranteed that ALL the money would be returned, none has been returned. 
I also received several of these emails as well : You only have {$300.00} to pay which was the last funds we told you to pay last time we are the one who put you through this steps and you are done already without this last payment no way you can get your funds We receive report and file for a fraudulent transaction but we are clear and safe because You reporting us wont get your money back only us can XXXX Pay your last fee to deposit your funds so we can finish this if you pay this last fee and we dont deposit we will also be punish so clear your last fee and we done. 
I told them that I would take legal action and I would contact my bank to get my money back if they didnt return my money as promised. They told me that my bank couldnt do anything about it and I couldnt get my money back through the bank, which is the only truthful thing they told me.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXXXXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX is reporting that I have a bankruptcy that is not mine I've provided documentation that proves they illegally put information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 U.S.C 1681 section 602 A. States I have a 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 7 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. 
XXXX XXXX acct # XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable XXXX  Proof ( an original Consumer Contract with my Signature on it ) if you have on file the XXXXN account XXXX XXXX. They failed to positively verify this account accurately which has hurt my ability to obtain credit. Under the FCRA, unverified XXXX proof account must be removed immediately :
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have 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 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 section604 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 7 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 card

For the past several months, I have received billing notices to pay for a credit card which I did not request or authorize. 
Today, XX/XX/2016, I received another notice from Wells-Fargo that my account " remains past due '' This account was fraudulently issued. I have never requested nor authorized this credit card account to be est
Product: Credit reporting

I was applying for a VA Home Loan when the Equifax reporting agency pulled up information that was not related to accounts I had.
Product: Debt collection

This is the 2nd time I'm submitting this claim because after I submitted it before under complaint # XXXX. The feedback was to follow up directly with the company. Not only did I reach out the company yet again with a letter, along with an affidavit, but I still have yet to get a response of a deletion from the credit reporting agencies. This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX & XX/XX/XXXX.
Product: Mortgage

I am denied a Home Equity Loan by XXXX XXXX XXXX citing the following reason : - I already have a home equity loan with Mr Cooper ( Nationstar mortgage ) - Denied on XX/XX/24 - applied since XX/XX/XXXX They cite that they couldn't establish XXXX XXXX on the property for home equity loan because I already have a home equity loan with Mr cooper. 

This is not true because I had a cash out refinance from XXXX XXXX last year ( more than a year ) and it was sold to Mr Cooper. Loan closing document clearly states it was a Convential XXXX years fixed refinance. 

I don't have a XXXX mortgage and restricting to leverage my equity value to get a loan for my financial benefit is unfair to me. XXXX XXXX XXXX has alreasy pulled my credit report and they don't show that I have XXXX mortgage. 

Denying me this credit has enormous consequences for me financially plus it's not fair and there seem to be erroneous process on either Mr Cooper or XXXX or other company 's site. I was told this is the XXXX occurrence they have known of this kind so far.
Product: Mortgage

2nd Mortgage is with HFC, subsid of HSBC. The company, when calling the XXXX number, reports that the divisions, centers, resources in the US have closed and that there was a notification of who the new owners were of the mortgage. For years they have reportedly tried to contact me, via snail mail. electronic services have never worked, printed seemed like a better plan. NOW, need the XX/XX/2017 Taxes paid and the company is no longer in the US. More over, the payment is on autodraft, no contact details are available and if there were, it would only be to a processing center, not the actual company behind it, since they likely process payments for lots of company 's. Worse now, this 100 % inhibits any plans or change with the property, until the loan is paid off OR bought out by a refi to a company we CAN talk to. HELP, THERE is LITERALLY NOTHING THAT CAN BE DONE??? REALLY?? I saw mention of a class action lawsuit against HFC, for reckless, malicious intent, interest rates, unbelieveable behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a detailed report of my credit recently and found several fraudulent accounts including credit cards, auto and student loans. I have disputed the items with the three credit bureaus as of XX/XX/2019. Some of the items stopped reporting on my credit but there are still quite a few that are and shouldn't be. Student loans totaling almost {$24000.00} from a KY Higher Education. {$52000.00} in auto loans in default. These accounts have been disputed.
Product: Credit card or prepaid card

Comenity Bank is charging additional fees after an account is closed. 

I called and asked to cancel my account and to decrease the membership to {$55.00} on XX/XX/2022. The bank decreased my membership a month after, but never notified me about the remaining balance they just keep on adding additional charges. 

I got a call today XX/XX/2022 asking for payment in the amount of {$160.00}. Why are they adding fees when I asked to cancel my credit card. 
Bank waived {$40.00} fee only and keep all other fees. 

XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$40.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$36.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$29.00} XX/XX/2022 XXXX XXXX  XXXX XXXX XXXXXXXX RETURN - {$55.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX PURCHASE {$110.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX RETURN {$0.00}
Product: Mortgage

overpayments made in XXXX and XXXX XXXX were misapplied and placed in unapplied funds instead of being applied to the principal. I have called several times and filed a complaint with the cfpb in XXXX XXXX requesting the money from unapplied funds to be applied to principal and capital one has failed to do so
Product: Credit reporting or other personal consumer reports

I paid for the free credit report from Experian. They automatically converted me to the membership that is {$24.00} a month. I called them to cancel and receive a refund but they refused and said that the membership is non refundable. I did not consent to paying for this membership.
Product: Checking or savings account

I have an existing account with Wells Fargo that was affected by a previous account I asked them to close because someone stole my purse while XXXX  shopping. They gave me a new account number and I have had this account for several months with no over draft of NSF 'S or anything returned and they put a block on my Account due to them wanting to close it which they said it was a business decision but also said they will be holding the funds of {$2000.00} that is my money and I went into the branch and asked them to give me my money and they will not saying it will be 10 days after the account if fully closed. I just need my money its mine
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised again. While reviewing my records, I noticed numerous inquiry that do not belong to me. Being meticulous about my research, I discovered that under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove and block any inquiry identified as resulting from identity theft. The disputed items do not belong to me. I have attached the necessary FTC Report, as required by both parties. Please remove this inquiry. 
XXXX XX/XX/year>
Product: Debt collection

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTUTY THEFT 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.
Product: Credit reporting or other personal consumer reports

I have tried to apply for a car loan but have been unsuccessful with moving forward with this process because Experian, XXXX, and XXXX will not allow for my credit to be pulled. Also my credit report has not been undated qith experian since XXXX XXXX I have made several attempts to contact someone by phone but have not been successfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. 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 correction due to inaccurate reporting in my file. 
XXXX   ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Mortgage

I want to report to you that this company preys on homeowners by making false promises through their deceptive advertisement that they had sent to me. I thought I was a plaintiff for a lawsuit to be filed against my bank and the mail ad said my new interest rate will be 2 %. I called in to find out more information about this so when I spoke to them back in XXXX XXXX, XXXX I had told them specifically that I already applied for a loan modification and still waiting for an answer. Core advisory group told me that they are not a loan modification company and that they can help me get a better result by filing complaints against my bank. I asked them what will happen afterwards and they told me that getting the complaints open will automatically force my bank to give me a better loan modification term and I will be a better position if I have professional help so they can go after the bank to eliminate all the late fees and penalties and also reduce my principle balance. This sounded good at first, so I agreed to sign their paperwork and paid them {$3500.00} upfront plus {$120.00} for their notary service. On XXXX XXXX, XXXX my bank finally responded to my original application for a loan modification and I was approved. Core did nothing for me but draft complaints to be filed with CFPB. This is a pure scam and tricky way for them to lure people in, thinking they can do this and do that but really just take your money. I filed a complaint to them to return my money and out of {$3600.00} dollars I paid them they were only willing to give me back {$1700.00}. I believe I am entitled to the rest my money paid to them {$1800.00} based on FTC XXXX rule makes it illegal for any company that provides mortgage assistance to charge me fees in advance and that is what they did. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to resolve this matter with TRANSUNION on numerous occasions to no avail, Since I am currently in a lawsuit with XXXX XXXX  for violations of the FDCPA, XXXX  Is also liable under the provisions of 15 USC 1692k which is civil liabilities, and are also liable To the same amount as XXXX XXXX  is in this judgment, I have sent a Police Report, UCC 11, Affidavit of Truth, a FTC Identity Theft Report, and letter to XXXX  with no response other than this account was validated. TRANSUNION has shown no evidence of this or the method used To validate this alleged Debt, TRANSUNION has ignored the State of Illinoiss Secretary of State Office And the City of XXXX Police Departments document as to this Identity theft report and has Still reported this account as verified accurate which is also a violation of the FDCPA laws of this State, as a Federally protected Consumer, I demand this matter be resolved and also to be compensated by TRANSUNION for this Infraction.
Product: Credit reporting or other personal consumer reports

Fail to properly investigate my requests regarding inaccuracies in my credit report despite my submission, Equifax consistently response within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation, this practice violate the fair credit, reporting act 15 USC 1681 which mandates for a reasonable investigation of disputes for the more Equifax actions may also contravene the consumer financial protection at 12 US C553681 a B as highlighted in CFPBs recent administrative proceeding file number XXXX against them for similar violations I request the CFPB take action ensure Equifax complies with federal law, and provide consumers with the necessary proof of investigation