23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( 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. 

XXXX XXXX XXXXXXXX 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

I have sent multiple disputes to have my personal information corrected. 

My only name is as listed : XXXX XXXX My only address is as listed : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX My year of birth is :XX/XX/XXXX My only employer : XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

All other alleged names and addresses need to be remove expeditiously.
Product: Debt collection

1st on the phone they told me I had been in arrears but now I wasn't. 
I received a letter XX/XX/XXXX and submitted complaint XXXX their response was a letter dated XX/XX/XXXX that claimed they had received late payments. 
I pay via electronic transfer in my checking account. I went through my checking statements and saw that the XXXX XXXX deducted the amounts on what dates. it did not match TDbank 's claims. 
in one PDF file titled " XXXX '' I have compiled the pages from my statements and XXXX rectangles about the payments. I created a spreadsheet showing dates paid, and the amount I am in excess of the scheduled installment payments. 
I have the original agreement with XXXX, the letters from TDbank with the fraudulent claims.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX. I made deposit at the XXXX XXXX XXXX Bank of America branch located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I deposited {$4600.00} into the machine. XXXX {$100.00} bills. After getting all the way through completion, the machine rebooted and failed. Green screen and immediate red screen stating atm out of service. I called and bank was closed. I waited until XX/XX/XXXX XXXX XXXX and filed claim. They escalated claim and are now telling me I need to wait XXXX business days for them to investigate. 

My wife is XXXX XXXX XXXX XXXX to pay for. We have XXXX mortgages to pay and and are currently behind XXXX  days and counting. We in desperate need of the monies being refunded. 

At XXXX point I spoke with a BofA associate named XXXX at approx XXXX PST AND she laughed at me!!?? I explained the machine ate my money and this was no laughing matter! My wife XXXX XXXX XXXX XXXX XXXX 

Please help me!!! This is the XXXX time this situation has occurred with bofa atm machines. This is the XXXX  time at the same branch in XXXX XXXX. We are at a loss here and NOXXXX has any sense of urgency.
Product: Credit card

On XX/XX/XXXX I received a fraud alert from Barclays Credit Card services that 3 charges from XXXX had been posted to my account. I called Barclays customer service within 30 minutes of receiving the notice and explained all 3 charges were fraudulent. I was told they would remove all three charges. I asked if I need to destroy my credit card and be supplied a new card but was told that was not necessary. My XX/XX/XXXX statement showed the 3 charges were removed. I received my XX/XX/XXXX statement on XX/XX/XXXX and one of the 3 charges in the amount of {$110.00} was listed on the statement. I checked my XXXX Account and there was a charge in the amount of {$110.00}, but it was listed to a credit card with the last four digits XXXX, ( see attached statement ). My credit cards last four digits is XXXX, see attached statement. I called XXXX 's fraud investigation and spoke with XXXX, she informed me the vendor had provided documentation that was acceptable to XXXX 's so one of the 3 charges was reinstated on the statement. I explained this was a mistake and ask to speak with a supervisor ; I was denied. I requested and email address and was denied. XXXX XX/XX/XXXX at XXXX XXXX, I spoke with XXXX XXXX after I provided him my name and account number, I was told the computer system was down and I would need to call back. At that point, I filed a complaint with CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX for failing to provide a complete debt validation response as requested under the Fair Debt Collection Practices Act ( FDCPA ). This is in violation of several laws, including but not limited to : 1. Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX is obligated to provide accurate and complete verification of the debt upon request, which they have failed to do so.

2. Truth in Lending Act ( TILA ) : The TILA requires lenders to provide accurate and complete information about debts to borrowers, which XXXX XXXX has not complied with in this instance. 

3. Consumer Financial Protection Bureau ( CFPB ) Regulations : Under CFPB regulations, debt collectors, including XXXX XXXX, are required to provide consumers with clear and accurate information about their debts, which has not been the case in this situation. 

I urge CPPB to investigate this matter thoroughly and take appropriate action against XXXX XXXX for their non-compliance with debt validation laws. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX in XXXX Then I made my first payment in XXXX and configured auto pay. Then in XXXX, the auto pay did not process for some reason and I got a courtesy call in XXXX informing me that it was late. They allowed me to make the payment over the phone and configure the auto pay properly for me. In XXXX I got another call expressing my payment was late, I told them that I already spoke to someone and auto pay should have been configured. I checked my account and could see that auto pay was configured and no attempts to my bank account were made to collect the payment that month. They apologized and told me that they would fix the issue and process the payments. Then in XXXX I get another call for the same reason. This time they explain that the auto pay was just paying off my previous balance and letting the current month roll over. I expressed that I wanted the late payments waved ( since I made all my payments over the phone and it's not my fault they didn't take my money ). They agreed to wave the fees and I paid the full balance that was owed. Two months later I find out that they never actually waved the late payment and set up the auto pay to just pay the normal balance and they reported to my credit that I was behind on my payments. I called them this time and they agreed to wave the payment again, however, needed to get manager approval to wave the entire balance and fix my credit report. My account shows that they waved all but {$2.00} of my late fees and now this is rolling over again and I can see on XXXX that they updated the report to say I still have late payments, but the late payment was {$0.00} and both XXXX and XXXX are still showing late payments. This is not professional as every person I have spoken to from this company only does half of what they told me they would do and now I am trying to apply for a mortgage and suffering the consequences of this when I have done my due diligence to make sure these payments were made on time. When speaking with these people you need to follow up with them to make sure they actually did what was agreed upon or they will just tell you that they did when they really didn't.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Pa. The suv was sold to me for {$37000.00} with a ticket price of {$39000.00}. 
I put down {$26000.00} with a Certified check. 
Also put {$500.00} down on debit card and then {$520.00} personal check and another personal check {$2300.00} for all warranty and the The platinum coverage. 
I was then told I was finance with XXXX XXXX, but later found out I was financed with Westlake Financial. My loan was only supposed to be for {$13000.00} but was now {$17000.00}. I was very confused on everything an what just happened. So I just said I will just pay the car off sooner, Westlake Contacts me on XX/XX/XXXX and states I have not made a payment. I said I had and gave them Payment information. They then said my payment bounced. I have my bank statement saying it was clearly paid. I have all my payment proof information. They repossessed my car 4 times! With me making on time payments. I paid so much money and have been sending emails since XX/XX/XXXX trying to get my account fixed. They repossessed my car again and said I owe them {$21000.00} but will now sell me my suv back to me for the Original loan price of {$13000.00}. I then found out my Warranties were also in my loans that I paid cash for, as of XX/XX/XXXX Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a bunch of student loans that are apparently thru Nelnet, which I have never even applied for thru on my credit. Looking at a current copy of my credit report thru XXXX, it has no method as far as the dates and order that they are listed on my report. I find it odd that they jump around? As I did have student loans, I have always chosen income based repayment not sure what these terms are for these loans. It also puzzles me looking at how many are listed? When I applied for a loan thru XXXX XXXX, I requested XXXX amount, XXXX and I think they approved it XXXX, then XXXX, but I'm not 100 % on exact amount. However, they did not list each dispersement as a separate loan ; it was XXXX loan that was given to the school and the financial aid department then released funds every semester. This private loan wasn't even applied for until XXXX, and I graduated XX/XX/XXXX. I have no idea which school these loans are even for. I have disputed the Nelnet previously but it looks like it only multiplied them, from my point of view only having a phone as I have been experiencing a hardship that is due to identity theft that I also believe may include money laundering as the information I have found is that my personal info is slightly altered like d.o.b ore name spelling as to move money like any lump payments, inheritance unknown and even reward/award funds that were unexpected and a chance for the fraud. As I have been dealing with this since XXXX and I have become less capable to focus all my attention on this situation due to the result that has led to loss of resources like a place to live due to illegally being evicted, closed credit accounts from duplicate cards n technology hack that mirrored everything causing confusion n misdirected charges n credits. I have no co signer ore other attachments that have the power to open accts in my name ore make financial decisions. I am curious to get the information on these accounts so I know the profile info to verify like driver 's license number n d.o.b., address when applied, ph number used at the time. I would like to know which school I went to and what kind of degree I received if any. What kind of terms for repayment was agreed because living on fixed income, I usually choose income based repayment plan as it only last 10 years n payment are forgiven if not paid in full by that time aside from normal deferment if my current situation is still not able to make payments due to income to low and living expenses too high. So not sure what ore why this is on my report, would like copies of application and all requested above ore have it taken off my credit report as it is causing more hardship and I'm already barely living in my car as it is on its last leg.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA.

This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2018 Amount : {$600.00}
Product: Debt collection

After receiving a collection letter from the company, Source Receivables Management, I sent a letter of validation of debt on XX/XX/XXXX  because I didnt recognize the company name or the alleged debt they claimed I owed to them. After about a month later the company replied with a sum of charges that did not in fact show any connection between me or the debt they claimed I owed. In the letter I sent to them, I asked for a copy bearing my signature that showed I had any contractual or ever had any contractual agreement to pay them. They have failed to validate this debt and show any connection between me and their company. I believe they are committing fraud on my name and they are currently reporting a debt on my credit that they have not validated.
Product: Money transfer, virtual currency, or money service

I disputed a transaction with Cash App that I did not recognize. Which should be a simple process or at least let me know what the charge was for. I even went through steps of verification of my identity like license and facial recognition to make the dispute. I had zero intentions of fraud. I've made a few disputes before with zero issue when my card was lost last year in XXXX. Someone tried to use it for sports betting apps. Those disputes were won. I had every right to be cautious with Cash App ever since this happened. I've noticed their app removing features that made disputes simple this year. I honestly think it's because they allow so much fraud to begin with that they are automatically shutting accounts down with not caring about their customers. Cash app already has a XXXX XXXX dollar lawsuit against them. But anyway, I contacted the XXXX  about this problem and they couldn't do a single thing. Cash app gave me automatic responses and would not listen to my claims or messages to fully see what happened. They just went by a script and did not help me at all. The company seems extremely shady and when I called them they sent me to an XXXX call center. The guy didn't care about anything I said either and said everything word by word on a script. The same messages over and over. I violated terms of services. Which makes no sense when I disputed a purchase. Anyone should be able to do this no matter if they are wrong or right. It makes absolutely no sense. XXXX won't even shut your account down over such nonsense. They have done this to other people as well and those people still had money left in their accounts. They are going to close my account officially on the XXXX of XXXX. I have done everything in my power to convey my situation but they refuse to listen. Their customer service is terrible and the company is poorly run by foreigners who are scammers. I just wanted my account back because I only purchase things like food and send money to my sister with it. It makes me angry that they don't care about customers they've had for over 2 years.
Product: Credit reporting or other personal consumer reports

All three credit bureaus : Equifax, XXXX, and XXXX have reported inquiries I dont recognize. Pages of pages of inquiries that are not mine, must be removed and my credit score must improve as well due to the incorrect information all over my reports. 
For instance, I did not go bankrupt, and I demand that to be removed as well.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Action Required : Fraudulent Charges on XXXX  XXXX XXXX Account Due to Identity Theft I am writing to address a serious concern regarding fraudulent activities on my XXXX  XXXX XXXX account ending in XXXX. My identity was compromised, making me vulnerable to fraudulent charges that total an alarming {$18000.00} on the said account. 

The inclusion of this unauthorized account on my credit report has wreaked havoc on my credit score, causing undue stress and financial strain. While I am the victim of identity theft and fraud, I find myself facing the severe repercussions of these illicit actions.

Despite my persistent efforts to rectify this situation, and successfully having other fraudulent accounts removed, this particular account remains a blemish on my credit report. This ongoing oversight continues to erode my creditworthiness, unfairly penalizing me for actions I did not commit. 

I implore you to conduct an expedited review of this matter and ensure the removal of this fraudulent account from my financial records. It is crucial that my credit report is an accurate reflection of my true financial behavior. 

Thank you for your immediate attention to this pressing issue. I trust in your commitment to fairness and anticipate a swift resolution. 

Warm regards, XXXX 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Mortgage

Started with loan modification XX/XX/XXXX, have faxed and faxed and faxed, and SPS always says need something else! Example, first need information from a rental, faxed, then by the time that is faxed, now need updated bank statements, have called once a week and always something new! So paperwork sent now SPS needed a verification of mortgage for another property, ask SPS relationship manager XX/XX/XXXX said need P & L or V O M? Have sent both, the VOM was emailed XX/XX/XXXX and faxed and again emailed and faxed XX/XX/XXXX! Then get a letter dated XX/XX/XXXX said was  never sent! ( SEE PROOF ) Said had to disputed so emailed and per letter says have to mail! HAVE PROOF ENCLOSED! This is just 2 proof of how un-ethical and reason not to approve modification, especially since and option arm loan that banks do not offer anymore! Have requested an re-review SPS said too late told them XX/XX/XXXX that paperwork was sent in per there request! This is just one of many items i have proof of! They will refute the complaint but have PROOF of many and this ONE particular proof!
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX : Account number : XXXX, Wrong account. Past due needs to be updated, repaired or fixed. 

XXXX XXXX : Account number : XXXX, Wrong account. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Wrong account. Past due needs to be updated, repaired or fixed. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Debt collection

COPY OF AGREEMENT PROVIDED BY NCC BUSINESS SERVICES , INC ON XX/XX/XXXX ON BEHALF OF XXXX XXXX XXXX IS AN ALTERED CONTRACT WITH FALSE SIGNATURES OF MY HUSBAND AND MINES ON BACK PAGE OF AGREEMENT. IT IS CONSIDERED AN UTTERED FALSE DOCUMENT IN THE ATTEMPT TO PASS IT OFF AS GENUINE. FORGED CONTRACT WITH INTENT TO DEFRAUD AND DEPRIVE ME OF MY MONEY. SIGNATURES FROM 2ND AGREEMENT ( HOUSE AND POOL RULES FOR RESIDENTIAL RENTAL AGREEMENT ) AND INITIALS WERE USED TO ALTER 1ST AGREEMENT ( APARTMENT RENTAL AGREEMENT ) .I HAVE PROOF OF ALL ORIGINAL AGREEMENT COPIES AND RECEIPTS AS EVIDENCE. LAST PAYMENT FOR RENT WAS ON XX/XX/XXXX FOR XX/XX/XXXX TO XX/XX/XXXX. LEFT PREMISES BEFORE END OF XXXX, XXXX HENCE, XXXX RENT IS NOT APPLICABLE SINCE I WAS NOT AT PREMISES. DEPOSIT KEPT BY XXXX XXXX XXXX SHOULD HAVE BEEN USED TO OFFSET ANY EXPENSES.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a matter of utmost importance regarding my credit report. I have diligently followed the dispute process for several fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. List of Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX