23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I spoke to a bank of America employee XXXX to be exact.. she lied several time. I asked for prove of my signature plus prove of contract of loan. She asked for my email. SS. An said she would provide me an said she HAD ALREADY EMAILED ME ALL PROVE AN IT WAS A LIE. SHE DID NOT PROVIDE ANY INFORMATION. AFTER I CALLED HER SEVERAL TIME WEEK AFTER WEEK AN SHE NEVER RESPONDED TO MY CALLS AFTEE LEAVING SEVERAL MESSAGES. XXXX XXXX AN A LIER. I NEED BANK OF AMERICA TO REMOVE THIS WRONG ACCUSATIONS OF MY CREDIT REPORT. THEY HAVE FAIL LIED AN REFUSE TO CORRECT THEIR MISTAKES.
Product: Mortgage

I asked for assistance in paying my mortgage payment due to losing my job. They denied my request and I appealed it. They again denied it and then sent a letter about paying the past due amount by a time frame or we would be in default of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from XXXX XXXX XXXX XXXX for {$140.00} dollars opened on XX/XX/2021. This should have never been in collections to begin with. This account was settled and should have been paid by insurance to begin with. I disputed this with them. I even paid them and asked them to please remove this it was incorrect. they are still reporting on my credit report and its really hurting my chances of getting a good interest rate on a new home. This is incorrect and needs to be rectified
Product: Vehicle loan or lease

Two years ago I wrote a letter into the company asking for a good will to remove an account a car loan that was previously paid off. The company has not replied to my letter and this is having an adverse impact on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Fix this. It's a form I'm submitting to the CFPB. 

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date they have not responded. 

The following account is not mine XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$4500.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2600.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$130.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$120.00}, Original Creditor : XXXXXXXX XXXX XXXX  ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$24000.00} ). Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 XXXXXXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

They have all violated my 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.

I have not given them any written instruction to furnish anything on my consumer report.
Product: Money transfer, virtual currency, or money service

Venmo charged a 1.9 % fee plus XXXX cents for a transfer from my kids marching band member because the XXXX ( who is probably not legally old enough to have an account ) incorrectly chose purchasing a service option when they made the transfer. Rather than correcting the problem on their end ( which is ridiculous since theyre the ones pocketing the fee ), Venmo insisted that I must reach out to the kid to untag his transfer.
Product: Credit card or prepaid card

In XXXX XXXX I requested a loan or cash promotional to chase 0 % APR for a year This caused that I started receiving interest charges in my statements. 
Called the bank on XXXX and a representative told me that as long as pay my purchases plus the minimum payment I wouldn't receive interest charges. 
That happen the next month I didnt receive interest, but the next statement I did. 
Called again the bank on XXXX and spoke with an specialist that didnt explain well what I needed to do for no receiving interest charges, she said to pay the full balance, but I answer what about your promo of 0 % apr ; at the end she ended hang up on me without solution to my issue. 
I continued receiving monthly interest charges the next months. 
I called the bank again on XXXX and an specialist explained that new purchases cause interest from the first day because the terms changed after I requested the loan. 
What I requesting from Chase Bank is to remove the monthly interest charges they charged me, because they Never explained clearly the change in terms and when I spoke with two representatives they gave me wrong information or didnt explain clearly. 
They promised to send me a letter explanatory of this which I didnt receive. 
This is like the Bank offers you a promotion but they change you the terms in order to charge you interest which didnt happen before when you didnt have the promotional. 
Bank should gave you these change of terms in writing or be more direct and specific that this would change other way clients wouldn't be aware of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX, Equifax and XXXX about medical collections reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with HIPPA, and that my rights have been violated under HIPPA.

Additionally i am allowed under HIPPA law TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that HIPPA does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting XXXX, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and HIPPA AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my mother was scammed by a hacker on her Venmo account. This person, set up an account in her name and sent money to my Venmo account. She thought this person was trying to help her, so she asked me to send the money right back. This happened two times, once for {$290.00} and once for {$990.00}. I did send the money back. The hacker then sent the money to multiple different places in small amounts to an account named XXXX XXXX. He likely also linked his account to transfer the remainder of the amount from her Venmo account into, before then deleting his account information. My mother was able to file a claim with her bank and get her money back. 

However, Venmo is saying that I owe them {$1200.00} and has put a freeze on my account. I am concerned that they will take me to collections and that it will affect my credit if I do not pay them. You can easily see from the transaction history on both my Venmo account and on my mother 's account that I sent the money right back. Any payments that I receive in my Venmo account are going towards this negative balance now. I do not owe them this money. This was fraudulent activity on my mother 's account and they should be going after the hacker, not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send certified letter on X/X/2017, no respond. Copy of letter enclosed. They have my account with XXXX  in a negative status.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report has XXXX XXXX XXXX XXXX XXXX on my report the amount is {$200.00} the date was XX/XX/2020. I called XXXX XXXX XXXX  and tried resolving this issue to let them know this is a error, and that i have no knowledge of this collection, but they kept calling me.XXXX XXXX XXXX told me this collection i owed was from XXXX XXXX and XXXX, that i have no knowledge of.I had to change my number to stop the callings im hoping this error is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Experian didn't ensure these accounts were reporting 100 % correct. Experian has continued to show no regard for and disrespect for the law. 

In accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Experian stated that the XXXX accounts ( XXXX : XXXX XXXX : XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.
Product: Debt collection

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the Following items for XXXX {$610.00} The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 
Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. 
Thank you for your cooperation, XXXX XXXX
Product: Checking or savings account

I transferred {$100.00} to an individual through XXXX XXXX  which is linked to my Bank of America checking account. The recipient also has XXXX XXXX. She refunded the {$100.00} back to my XXXX XXXX account on XX/XX/21 and on XX/XX/21 I selected the option to refund the XXXX XXXX  back to my Bank of America checking account via a transfer. After two weeks I noticed the funds were still not in my BOA checking account, so I reached out to XXXX XXXX to file a claim and was given a case number. XXXX XXXX  said the account number was wrong and so that is why the funds didn't transfer to my BOA account. I did not physically enter the account information for the refund ( I only selected the option to transfer the funds back to my BOA account where the funds came from ) and all other XXXX XXXX transfers before, during, and after that were processed without any problems, using the same method. However, the account number XXXX XXXX  transferred the refund to is not my BOA checking account number or my BOA debit card. I don't know where the other account number that XXXX XXXX  used for the refund came from. It makes me wonder if my account was hacked. In any event, I promptly notified each company. XXXX XXXX was notified immediately and did not do a proper investigation. Now they say too much time has lapsed for them to retrieve my funds. I should not be penalized because they did not conduct a proper investigation into their mystery account number that I did not enter and does not show up on my XXXX XXXX profile. Either XXXX XXXX or BOA owes me a refund. 

I disputed the missing funds with BOA and they sent me a final letter on XX/XX/21 stating the claim was denied and they reversed the provisional credit. BOA said, " PMNT SENT XXXX XXXX  XXXX  - XXXX is a third party who's responsible for transferring the money from your account to the recipient. We recommend you contact the recipient directly for further assistance with your dispute. '' I have been given the runaround by both BOA and XXXX XXXX. One of them has my {$100.00} that I urgently need to pay bills during this pandemic. I am 8 months pregnant and their inability to resolve this is causing me a lot of stress. Please help me get my {$100.00} back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IT IS MANDATED THAT CONSUMER REPORTING AGENCIES XXXX, XXXX AND TRANSUNION ARE REQUIRED TO FUNISH A WRITTEN NOTIFICATION TO ME XXXXPON REQUEST , DETAILING THE XXXX  EMPLOYED TO VERIFY THE ACCURACY AND COMPLETENESS OF THE INFORMATION ON RECORD .THIS INCLUDE PROVIDING THE NAME AND ADDRESS OF ANY INFORMATION PROVIDER CONTACTED DURING THE VERIFICATION PROCESS, ALONG WITH THEIR CONTACT NUMBER. OVER 30 DAYS AGO, I SOLICITED DOCUMENTATION TO SUBSTANTIATE THIS ACCOUNT, YET I HAVE RECEIVED NO SUCH DOCUMENTATION, WITHOUT LEGITMENT PROOF BACKING THESE ACCOUNTS, IT HAS NO BASIS TO BE INCLUDED IN MY CREDIT REPORT.
Product: Debt collection

On XX/XX/XXXX, I received the attached letter from a company called XXXX XXXX XXXX attempting to collect on a debt for an HSBC account from 20 years ago. I have filed a CFPB complaint with HSBC on a prior collection attempt from 3 years ago and they sent me a letter RE : CFPB Case # XXXX on XX/XX/XXXX stating that their records do not show this debt. This company XXXX XXXX XXXX XXXX is constantly calling myself and my relatives and tries to collect on a debt that would be time barred if it was real. They are in violation of consumer law section 1006.26 ( Collection of Time Barred Debts ) which states that ( b ) Legal actions and threats of legal actions is strictly prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time barred debt. The attached letter received today is a direct violation of this rule. It has a series of references to Liens, Garnishments, Bank Levy and lawsuits. I'm filing an additional complaint against HSBC as they are listed as the original creditor on this letter.
Product: Money transfer, virtual currency, or money service

Hello, I'm XXXX XXXXXXXX XXXXXXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX in the state of Georgia, USA. 

Our congregation supports missionaries across different countries in XXXX XXXX, through our support we help them meet their financial needs. So far we have a list of almost 20 people that we are currently supporting, sometimes we even send money for special projects or unexpected needs such as : family deaths, travel, surgeries and education expenses. 

In response to the continuous block of our accounts and transactions, I have submitted the documents requested to Western Union and I keep being blocked from sending money transfers. I have requested the reinstatement form and submitted a bank statement to Western Union On XXXX XXXX, 2021, at XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX at XXXX XXXX XXXX. and I have not received a response. 

Today XX/XX/2021 I called western union to request a refund that one of our receivers claimed and they do not want to pay. 

This is the money transfer details. 
XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX # ( XXXX  ) : XXXX XXXX XXXX I hope we can clear this out ASAP. Our people is in need of our support and we have encountered many problems with your service resulting in significant delays. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

OnXX/XX/2024, I requested an invoice verifying the amount of debt from the debt collection agency and was told that they do not have to give me that information and I can reach out to the original creditor to see if they have it. I was told that they only see the word damages but could not specify to me what those damages are and the amounts for each of those.
Product: Debt collection

I have disputed this account many times. Company has failed to provide any proof that i owe this debt. They removed the account from my report and added it back 9 months later with a renewed date on the account. I believe they are illegally renewing the statute of limitations on this account, they have already illegaly failed to stop calling me, at which one point a representative said they did not receive my letters and my credit will be damaged if i do not pay. I am aware of my rights and understand if I pay any collection whether owed or not, it will not help my credit score. I do not believe I owe this account, they have not provided any proof, and their means of collections could be considered harassment and illegal.
Product: Debt collection

I 've attempted several times through phone calls, letters, and emails - even the XXXX - to verify this debt that Financial Services claims I owe. However, they have never responded, not even to the XXXX. 

This is no verification - which I am entitled to - that this is a valid debt.
Product: Money transfer, virtual currency, or money service

I paid {$1500.00} via XXXX transaction to a contractor that promised to purchase building permits to correct building code violations at my building located at : XXXX XXXX XXXX XXXX, XXXX IL XXXX. 
He told me that the total job will cost {$6000.00} and I will need to pay {$1500.00} for him to start the job. 
The contractor did not purchase any permits, took my money and disappeared without giving me any service. 

He said that his name is XXXX. His phone number is ( XXXX ) XXXX His name on XXXX account was XXXX XXXX XXXX XXXX XXXX 

I contact the Fraud department at US bank to cancel the transaction and give me back my payment, but my claim has been denied ( attached letter ) Please let me know if there is any way to get my money back. 

Thank you, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION XXXX ( a ) a failure to investigate these items within XXXX days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company sent the exact same response from my 1st complaint to my 2nd complaint I want them to acknowledge I was never notified via mail or phone we were taken to collections.

PRODUCE MY ORIGINAL CONTRACT!!!

Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. XXXX   never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. Either company can not produce our original contract.

We are taking legal action unless Perfection Collection removes all collection notices from my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax requesting the all documents and the removal of this information under " Public Record ''. The company refused to comply. They sent a letter stating that they did not have to verify anything because it is public record.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$32000.00}