23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent Portfolio Recovery Associates a Cease and Desist letter by certified USPS mail which they received on XX/XX/2019. They have called me several times since past the 30 days in violation of the FDCPA : - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX Account Number : XXXX 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Mortgage

A few days before I was to close on this mortgage refinance the loan estimate dated XX/XX/20 showed be receiving about {$250.00} at closing. I then got a loan estimate on XX/XX/20 and the numbers were changed and loandepot wanted about {$1300.00} from me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
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 USC1681. 

Account Name : XXXX XXXX XXXX Account # : XXXX, has violated my rights.

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

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: Debt collection

I got a call at work and they left a message saying that it is for debt collection. This is very concerning because it was left at my work place and I absolutely do not owe any debt whatsoever ( nor have I ever been contacted regarding this because I am not delinquent on anything ).
Product: Mortgage

We are experiencing issues with our escrow on our mortgage with HomeLoanServ, the company is claiming on XX/XX/23 that we have a shortage of {$2100.00} with our escrow which would cause our mortgage to go up to {$2800.00}. We ended up paying the shortage amount on XX/XX/23 thinking that would keep our mortgage payments at {$2400.00} but they said they still had to raise our monthly mortgage to {$2600.00} because we haven't been paying enough towards escrow. If we had know that paying extra wasn't going to make a difference we would have not paid the shortage because now we have given them {$4700.00} in one month.
Product: Debt collection

I received a phone call from a company called STP Management onXXXX read the message and ignored it. Then received another on XXXX/XXXX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX XXXX, this happened sometime XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX , XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these measures taken to protect my credit. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I would like to request the removal of the following inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

For the past three weeks some SPAM company has been trying to hack into my XXXX  XXXX XXXX Banking Account! The Bank has already given me the max. of User ID and Pass Codes allowed! My Account is now suspended until I get what the bank called a XXXX XXXX XXXX removed from my Computer! Which I am in the process of Doing! In the meantime! Experian Credit bureau Advertised to Boost your Credit Score they wanted to access your Banking Information to retrieve Utility Payments made on your bank Account! So I Did! I gave them my banking information and my Credit Score went up 10 points! BUT! Every since I did this, This unknown SCAM COMPANY Has Been trying to Access my Banking Information to withdraw funds from my Bank! A Coincidence OR WHAT?? WHY all of a sudden since I gave EXPERIAN my Banking Information is my Banking Account being De-Defrauded?? XXXX  XXXX XXXX 's Security Department told me : " Someone, somewhere has compromised your Banking Information '' REMEMBER! Experian was already Found Guilty for Fraud by the Government Once already! So Is this their new Scam or what?
Product: Debt collection

XXXX called to ask about debt. Told them i was dealing with funeral arrangements XXXX called me again, told them do not call me again and told them my father just died and to again not call me XXXX called again, i repeatedly said to not call me. Prove the debt was mine, stop harassing especially after i have requested for no more calls and if i get another call i will file a harassment suit. 

XXXX called them to file a report of harassment and to do not call list. They argued and would not take my report nor forward me to a supervisor. I told them since its a recorded line that if they call me again they are agreeing to harassment lawauit as guilty. 

So we shall see.
Product: Credit reporting

I faxed a Multiple Inquiry Removal Letter on XX/XX/2017 in order to dispute information in regards to XXXX hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX, that was being reported on my credit report. I received confirmation that they received my letter via fax at XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and when I called to follow up, I was given the response, which was " inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I was told this over the phone, clearly tells me thatthere was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Checking or savings account

Branch Manager XXXX XXXX of Wells Fargo at XXXX XXXX XXXX in XXXX, California is breaching customer account confidentiality by divulging private account information to multiple people in the community. This has been brought to my attention by several people to whom XXXX has spoken with regarding my accounts with Wells Fargo. XXXX is personally retaliating against me as a customer and attempting to defame and/or sabotage my company 's reputation because her son was fired from my company.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX OF XXXX XXXX and XXXX OF 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 an 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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX &  XXXX XXXX XXXX XXXX has violated my rights. 
Ive disputes these accounts hightlighing the inaccurate and incomplete information reporting, and these companpines is contining to violate my rights. 
please help me solve these issues. 

thanks
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting me for something that is not accurate.
Product: Credit reporting or other personal consumer reports

I recently saw a copy of my credit report as I am in the process of purchasing a house. Transition has me listed as a joint owner on a vehicle loan that I do not own and did not take out. I sent a letter to them about the inaccurate information along with a FTC report and they stated the Information is accurate without no proof of investigation or documentation. The inaccurate information still remains on my consumer report.
Product: Debt collection

XXXX XXXX XXXX keeps calling me at work. They would call both my personal phone after XXXX, and work every two hours. The person 's name is XXXX. His accent is foreign. I do not trust paying off my debt with this company. I spoke with XXXX. told him not to contact me at work. I told XXXX that I will do {$25.00} bi weekly as the letter states. XXXX stated that there is a {$55.00} Lawyer charge. The letter did not state a lawyer charge, so I am refusing to pay that.
Product: Credit reporting

Trans Union had a glitch in there system that violated the rights of their consumbers under section 6.11. As a result, I have been gravely effected and my credit score is suffering as a result. No notice of was ever given which is also a violation. I am requesting that ALL inquiries be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **XXXX Apr XXXX XXXX XXXX **XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : I sent 2 payments to XXXX XXXX in the XXXX ( transaction XXXX of {$2800.00} and transaction XXXX of {$1000.00} ) XX/XX/XXXX : XXXX sent me an email asking for information about my recipients, including XXXX XXXX. I replied, providing them with all of the requested details. 

XX/XX/XXXX : XXXX sent me another email advising me that there was a 'technical problem processing my transaction ' and that they were working with their partner to resolve this. 

XX/XX/XXXX : XXXX XXXX advised me that the payments had still not reached her account. I emailed XXXX help and got an automated reponse. 

XX/XX/XXXX - XX/XX/XXXX : I called XXXX Customer Service multiple times asking for more information on when the issue would be resolved and what steps I could take to escalate my problem. I asked for, but received no callbacks. There is no escalation, resolution or formal complaints procedure available through the XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX : daily calls to XXXX Customer Service, messages through XXXX XXXX XXXXXXXX ) result in no more information. The standard response is 'We apologize for the problem, our technical team is working on the issue. ' The only other information I received was that XXXX is unable to refund my transactions as 'our partner in the XXXX XXXX XXXX can not determine whether the money has been deposited into their account. ' I was also told there are a number ( XXXX was mentioned ) of other customers in the same situation. 

As a start up, these funds are used to pay my supplier. They are vital to my ability to continue providing services to my customers. Without clarity on when the issue will be resolved or even what the next steps are, I am not confident that XXXX will return my missing funds. There is a lack of communication, explanation or proactive customer service that is adding to my frustration and stress.
Product: Checking or savings account

I had unauthorized transactions on my account, and Current chose not to return my funds. It was over {$400.00}. They said they found no fault. I can't speak to the dispute department ; I could only email them, and they don't respond for days and tell you XXXX to XXXX hrs ; however, that wasn't true.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to prior communications regarding the XXXX XXXXXXXX accounts that TransUnion has inaccurately reported as accurate. Despite this assertion, the company furnishing the information has failed to provide proper certification of the alleged debt. Additionally, they have yet to respond to XXXX CFPB complaints certifying that they possess or can produce the original document obligating me to pay, either for my review or for review by a judge in court upon request. 
As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. Furthermore, they have failed to return the debt collector certification, further discrediting their claim. By failing to produce such documentation, they have effectively conceded that they do not have a valid claim. 
Please be advised that TransUnion is engaging in fraudulent reporting, in violation of XXXX XXXX, XXXX XXXX of the XXXX XXXX. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, TransUnion assumes liability for these actions. Liability for this debt has not been lawfully established. 
Please be advised that TransUnion is engaging in fraudulent reporting, in violation of XXXX XXXX, section XXXX ( XXXX ) of the XXXX XXXX XXXX debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Liability for this debt has not been lawfully established. PLEASE SEE ATTACHED.
Product: Credit card or prepaid card

In XX/XX/2020, I signed for the credit card relief act with Chase. At that point I only had only missed payment on my record with them. My payments were suspended from XXXX 2020. XXXX I made a payment even though not required in the amount of XXXX. XXXX I made two payments totaling XXXX. My history that JP Morgan Chase is reporting is 5 times 30 days lates which isnt remotely accurate or possible. I cured the late from XXXX. XXXX was XXXX dollar payments yet I made a payment in the amount of XXXX. I would like Chase to immediately correct what they have been reporting to all three credit bureaus. My next course of action will be contacting an attorney for legal representation to file a small claims lawsuit. I like Chase for the most part yet this is ridiculous and erroneous and not to mention was not part of the credit care relief act enacted this year. Once the late was taken care of. All payments were suppose to be reported as current. Which has been the case.
Product: Credit reporting or other personal consumer reports

Re : XXXX Subjet : Removal of disputed accounts To whom it may concern, Since my last letter from XX/XX/2024, I sent in all the proper documentation Transunion has asked for to remove the disputed accounts from my credit file. I am not liable for this debt with : XXXX {$5000.00}. 
I requested all copies of documents that Transunion has used to verify the disputed accounts as accurate. I never received said documents. By law the CRA are allowed 30 days to complete their investigation process and by law if the consumer has given the CRA more documentation to support their claim for the disputed accounts during the 30 day investigation, the CRA is allowed 30 more days which is a total of 60 days to finalize their investigation. I did not give Transunion Credit Bureau any additional information during the investigation process. It has been 37 days and no response back from Transunion. It has been way over the time limit. By State and Federal law. Transunion shall promptly remove the disputed accounts from consumer 's credit file. This has not happened. If the disputed accounts is not on my other 2 credit reports, the disputed accounts should not continue to be on my Transunion Credit file. All three credit reports are supposed to be the same, maximum possible accuracy across the board. Accurate information and Transunion is in violation under Section 609, 610, and 611 of the FCRA laws. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am contacting regarding the following three cards from BofA : ( 1 ) XXXX There was a {$19.00} credit on my account before XX/XX/XXXX last year and the credit was gone after. A transaction named " CREDIT BALANCE REFUND DEBIT '' was posted on XX/XX/2016. I have no idea of what it is. I never requested for the refund ; I did not see where the refund went either. <P/>( 2 ) XXXX The customer service gave me wrong information about my autopay setup and it prevents me from calculating and meeting the spending request of the welcome offer. I was confirmed a few times by the customer service that I had set up autopay successfully. However, I have been charged late fee and interests multiple times after that. Though they agreed to waive those fees, the inconsistency confused me with the calculation of my spending amount in the given period specified by the welcome offer. I calculated using the payment amount with the assumption that the payment amount should equal to the spending amount ( as the customer representative told me that autopay 's been set up correctly. However, there is discrepancy between them for either the wrong info provided by the customer service or issues with BofA autopay system and hence the spending amount was calculated wrongly ( I missed by ~ {$20.00} ). After finding out this issue, I immediately filled up the difference by spending another {$40.00} in XX/XX/XXXX and tried to contacted BofA. I received a voicemail from BofA during the winter break when I went to another country. I tried to call back and left a voice message but never heard back. <P/>( 3 ) XXXX I should have received a companion pass after paying the annual fee. I did not get anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). 

Companies/Accounts XXXXXXXX XXXX XXXX XXXX XXXX  ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE XXXX XXXX XXXXXXXX XXXX XXXX  - Explains identity theft and accounts reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

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

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX. 
Account XXXX XXXX # XXXX. 
Account AD XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX XXXX  XXXX. 
Account 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 instructions