23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act Us Dept of Ed/XXXX  Account # XXXX, XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account 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.
Product: Credit reporting

Tax Lien has been fully expunged. The credit agencies need to look to the XXXX Clerk 's Office for the information so that it can show up on my credit reports
Product: Debt collection

On XX/XX/2021 I received a letter from CACi in regards to an account owed to XXXX XXXX XXXX that was sold to XXXX XXXX XXXX and apparently being handled by CACi for collections. This letter was dated XX/XX/2021 but did not receive the letter until XX/XX/2021. The letter was the initial dunning letter per FDCPA, offering a settlement that expired in 60 days, outside of the validation period. I am neither confirming or denying that this account was owed however I wanted to simply pay it off since I am in the process of closing on a home. For this reason, I took their offer and paid the resolution amount of {$270.00} with a write off of {$68.00} on XX/XX/2021. I thought this had resolved the account however on XX/XX/2021 it was reported to my XXXX report. This is extremely unfair and abusive as I was not given sufficient time to resolve the debt and just recently received a notice and took care of the account immediately. I was told by their rep that the account would be closed and returned to the current creditor and trademarks would deleted from my XXXX.
Product: Debt collection

Moved out of apartment a few years back in XX/XX/XXXX, apartment was leased out the following month. 
Apartment also had a fire a few months after I moved out. 

I disputed the transactions with the rental company, as well as offered to pay a settlement amount that was correct and in line with what was owed. 
After no response or letters, they forwarded the account to Genesis Cred. 
I never received any communication from Genesis until a text and a bunch of phone calls. 

I then attempted to speak to them and get the folio of what was at issue and what the calculation of the debts were. It was not sent to me, but after looking through my communication with the leasing company in XXXX, I found the move out statement. 

As mentioned to them, and to genesis cred, the numbers were wrong, and miscalculated and I offered a settlement of what seemed reasonably owed. I also asked for the statement of charges owed again today XX/XX/XXXX, and did not receive
Product: Credit reporting or other personal consumer reports

I just recently looked at my Trans union credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XXXX XXXX  : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this letter is to inform you that my identity has been compromised and that the following accounts do not belong to me. I have filed the necessary paperwork and ask that you please remove the following accounts from my credit file. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collection agency Santander Consumer USA purchased my debt from XXXX XXXX. When Santander acquired the account they changed the " last payment made date '' to when they got the account. They are not taking into account when the account first became delinquent. My vehicle was repossessed more than a year before XX/XX/XXXX and they still reported the " Last payment Made XX/XX/XXXX ''. The collection agent stated thats how they handle all their new account.
Product: Mortgage

I 'm on my second modification request with Select portfolio servicing/XXXX XXXX Bank regarding my mortgage. I have submitted XXXX full applications for modification/resume mortgage over the last 2 years. XXXX was turned down for " not enough income '' and the other was approved but again the income calculations were drastically incorrect. Our request to modify or resume was so we could continue making my current XXXX per month payment or something close to that. This time they came back with an income calculation of over {$15000.00} per month. They offer to have me make and payments of over $ XXXX per month for the first 4 months followed by $ XXXX per month for the life of the loan. The income was again calculated incorrectly. The proof provided via tax returns, paycheck stubs and bank statements clearly shows a monthly gross income of between $ XXXX per month. Now, after waiting several months, actually a year for an answer thay have pulled the offer for review which will no doubt take several months. Meanwhile arrearages and fees add up and get added to my balance for mistakes they have made. My wife and I have lost several days from work providing paperwork to the mortgage company, appointments with a counselor at XXXX and court dates with more to come. I have answered every question, provided every document and fielded phone calls " attempting to collect a debt '' of which they will not accept payment on unless it 's full payment. I finally have a job where I make sufficient income to pay all of my bills and I see tremendous progress. I just want to pay my mortgage! Our family is under tremendous stress not knowing where we will be living and all we want to do is resume our mortgage payments and live in our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dismissed bankruptcy on my XXXX, XXXX, Equifax reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.
Product: Checking or savings account

I believe it was XX/XX/XXXX, I submitted an inquiry for a loan for $ XXXX through a loan marketplace. That evening I received emails with options. The next morning I started receiving text messages. One of them was from XXXX XXXX and said they could get me a better rate than what they sent yesterday. So I called them. He said his name was XXXX from XXXX XXXX. He always used the same number. It was a number from NC and I confirmed that XXXX XXXX is in NC. I even called him directly and he always answered as XXXX from XXXX XXXX. He had a lot of my information already, then he asked me to read off a verification code, which I did because I thought it was for security. Then he said he was going to look around and find the best option and call me back. The next morning I noticed that I had an extra $ XXXX in my account, which confused me. He called me and said they put the money in my account to help boost my credit, so I just needed to return it and then they could get me an even better rate. I told them I didn't authorize them to put money in my account and that I wanted it out of my account and not to do that again. So I returned the money thinking it wasn't mine. The next day, they put $ XXXX into my account. I called him and asked why after I said not to do it again. He said that was the funding of my loan. I said no, something is off, I haven't signed anything with rates, monthy payment amounts, etc. I don't want to go forward with this so just get your money out of my account and I want to be done. So again, I sent them back the money I thought was theirs- not realizing this entire time that I was sending my own money. Later that day I went to the bank to withdraw money for myself and that's when I found out my accounts were frozen and they told me to call the fraud dept. I called the fraud dept and they basically treated me like I was suspicious and told me there was nothing they could do to help me even after I explained everything. I tried to give them evidence and my police case number- but they didn't want to take any of it! 
I have now filed a police report with the XXXX XXXX ( California ) Sheriff 's Dept - case XXXX. 
I also notified XXXX XXXX of what happened. 
I filed a complaint with the FTC - Report number : XXXX. 
I have also filed a complaint with DFPI - complaint ID : XXXX. 
And I filed a complaint with California Dept of Consumer Affairs : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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

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. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Jpmcb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX Jpmcb XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


Thank you XXXX XXXX
Product: Credit card or prepaid card

American Express Serve, system has been down for over 24 hours, no access to website, app and/or customer service. No idea if Direct deposit went in since I have no access to my account and the card does not work.

It is outrageous that this company is holding customers money hostage without access to our hard earned money.
Product: Credit card or prepaid card

Account ending in XXXX On XXXX XXXXXXXX XXXX  this account was closed for no real apparent reason. The closure of this account will negatively impact my credit rating and will hurt me. I have had this account for years with XXXX late payments. 

I called Wells Fargo on XXXX XXXX and spoke with XXXX who was no help, who then transferred me to XXXX who wasn't any help either. 

Today, XX/XX/XXXXXXXX XXXX  I called and spoke with XXXX who was less help than when I spoke with XXXXXXXX XXXX XXXX combine.
Product: Debt collection

I have been called by Wakefield and Associates numerous times a day for the past month and a half. When I spoke to them I asked where the debt was from and told them I would contact the hospital myself to see if I owed the debt. XXXX XXXX XXXX stated I owed nothing like that. I called Wakefield back and relayed this to a representative but the calling has persisted and its harassment, and unnecessary. Also, the representative at XXXX XXXX XXXX said that many other people were inquiring about debts they were told they owed and didnt as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, Capital One Account # XXXX, XXXX  Account # XXXX, XXXX Account XXXX XXXX, Capital One Account # XXXX, and Department of EdXXXX Account 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
Product: Credit card or prepaid card

Barclay Bank Credit Card US - In XXXX I had a conversation with an agent of Barclay Bank regarding entering into a long term payment plan of 5 years to get my account current and get payments made to pay off the amount due. The confirmation # of the agreement we made is XXXX. In that conversation the agent assured me that within 4 or 5 payments of this new amount ( {$82.00} a month ) my account would show " current '' on ALL credit reporting agency reports and that as long as I made the payments, the account would be in good standing. This program was called the Long Term Assistance Program. In XXXX of XXXX, while trying to refinance our home with a VA mortgage, it was discovered this account is still showing as ALWAYS LATE. This is a lie. I have not missed a payment in 2 years. I called Barclays and filed a complaint ( # XXXX ) and spoke with 2 managers - XXXX XXXX and XXXX XXXX, who listened to the call from XXXX and agreed that this was indeed what I was told by their agent. However, the agent lied to me and what she assured me was the case, was in fact, a lie. I have asked the two managers to make this right and abide by the promises and assurance I was given and to make the account show " Current '' as I was told it would, and they both refused. Their answer is to apologize for the lie, and to tell me the account " doesnt qualify '' to be shown as current even though I have never missed a payment under the plan we agreed upon. They have refused to assist me and have even promised return calls that never came ( XXXX - I promise I will call you at XXXX Monday the XXXX of XXXX That call never happened and it took me 3 more calls to even get her to answer the phone ). What they have done is unethical and a true " bait and switch '' scheme whereby the consumer ( me ) believes what the agent promised me and I live up to the agreement - just to find out it was a lie and they are going to continue to fraudulently report the account is late, which it isnt,
Product: Payday loan, title loan, or personal loan

I have a personal loan in the amount that has a balance of {$10000.00} I called in to pay off the loan and was given a payoff of {$12000.00}. I am being punished for paying it off early and that is in my opinion usury.
Product: Credit card or prepaid card

I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my Credit File. The references for the late payment on these accounts is erroneous and misleading causing negative impact on my Credit File! I previously requested for the investigation and correction of these accounts and yet you have done nothing. Let me remind you that you are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need these accounts updated immediately. 
USAA SVG BK XXXX Balance {$0.00}
Product: Debt collection

XXXX RMP XXXX contacted me about a {$1900.00} debt I owed. The XXXX on the phone offered to settle the debt for 40 % or {$770.00}. I accepted the settlement and paid the {$770.00}. I was advised that the debt was considered paid in full and a file would be sent to the credit bureaus advising as such and that I would see this updated in my credit by end of XXXX. On XX/XX/XXXX, an agent from XXXX services contacted me and advised I still owed {$1100.00} on the account. Once I challenged this, he got a XXXX XXXX  that explained that the previous XXXX had mad a mistake and that they could only settle for 50 % and thus I still owed {$190.00}. I stated that i was advised the debt was settled on the previous call and thus I was not responsible for the error on their pet. This was escalated to XXXX XXXX who is the division XXXX. XXXX again explained that agent had made a math error and I still owed {$190.00}. I explained that I did not owe this amount as I had paid and advised the debt was paid in full on the XX/XX/XXXX call. XXXX advised that he understood but they couldnt accept that and the debt would remain. I advised that I would have to look into options to protect myself as I felt this was collecting a debt twice and using a deceptive practice to collect addition money that I didnt owe. XXXX said I could do that and the company may decide to just refund my payment and request the full {$1900.00} debt. I told XXXX I felt like this was a threat in order to get me to pay the addition XXXX. He said it wasnt but that he was advising what could happen. Call ended as XXXX said he would have the XXXX of the XXXX  call me.
Product: Mortgage

I received an overdue school tax letter in the mail around the XXXX of XX/XX/2019 in the amount of {$1700.00}. I called the following Monday on the XXXX of XX/XX/2019 to the tax office myself, they informed me that Citizens One had not paid our school taxes and then I called Citizens one and they said they were paid on the XXXX of XX/XX/2019, by wiring to the tax office. I then called the tax office back same day and they said absolutely Citizens One had done no such thing as the tax office only takes mailed checks or in person payments. I again call Citizens One, then they say something totally different that they must have sent it to the wrong mailing address, when they already stated that it was wired electronically, they told me to give them a few days to straighten it out. I called back on the XXXX of XX/XX/2019 to make sure it was straighten out, it was not. Now Citizens One was claiming they sent the new check out but had it returned but to give them till the XXXX of XX/XX/2019 and everything would be straighten out. I gave them till XX/XX/2019 because of a death in my family. They still have not resolved them not paying my taxes, the man said because they're waiting till the good thru date and that the other person should have never told me that they would have fixed it by then. I asked why this was happening, he said " they're only human, let them do their job and their bank 'you know ' was just going to pay when they wanted to. '' I said I'd call back tomorrow and asked for a manger to call me back, the person fought not to give me their manger 's name and flat out lied about whom their manger was, at first they said they didn't know, that it was a lady but it just changed to another lady then the person said it was a man and that he works with a bunch of females so he was confused. This doesn't make me feel comfortable knowing they're in charge of my mortgage or taxes with it. Also this person said " don't waste my time calling about it. It will be done when it's done and they'd get back to me '' and not to cut him off in conversation. I'm still left with school property tax not paid and not sure if they're actually going to pay it and it's due next week on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I have numerous FRAUDULENT HARD INQUIRIES. want them to be removed to reflect fair and accurate credit reporting. have NOT authorized any of these hard inquiries and none of them are not attached to ANY open accounts on my credit 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 XXXX XXXX
Product: Mortgage

Entered into an agreement with homeward residential in XX/XX/2016 to refinance a mortgage. Complied with every request ( many excessive ) for documents, only to have Homeward continually stall and drag out the process. The end result is that I have spent thousands of dollars to refinance, without any action by Homeward to approve/deny the refinance. The rate lock expired - we were guided to extend at " no cost to us '' but Homeward added another point to the closing costs. The rate lock expired a second time, again Homeward added another point to the closing costs. Homeward 's actions show they never had any intention of following through with this refinance, and provided fraudulent documents to keep me from going with another provided. This amounts to a financial loss of more than {$100000.00} due to Homeward 's fraudulent and deceptive business practices.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Today XX/XX/22 I was putting in a deposit for this rental I thought was legit. They had names matching up with the owners. The real owners I finally contacted and they told me it was a scam. I had found this listing online so I could have a place to stay while I work the XXXX XXXX  but I got scammed {$1000.00} I sent it through my bank through Zelle. My bank said they cant do anything neither did Zelle. They had me fill out rental application with all my info so they have my social and drivers license number too. 
The place was on XXXX as a cabin.