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

To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, XXXX XXXXi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I had a Wells Fargo account in 2011 that was closed due to fees being owed but they were paid several times in hopes to just get the account back to good again.
Product: Debt collection

i contacted CMRE Finance by phone on XX/XX/2019. I submitted a letter of insurance coverage from my insurance provided as requested. I contacted the original creditor directly as falsely reported on my credit report, The City of XXXX XXXX. The alleged original creditor does not have any information on me. I contacted them back on XX/XX/XXXX requesting information on the original creditor which CMRE refuse to give me and ask to amend the false information, which the CMRE has neglected to do. On XX/XX/XXXX I sent them a letter of validation of debt and they haven't responded. On XX/XX/XXXX, I sent them a second letter to which the have no responded. They still falsely reporting information to the credit bureaus. Additionally I have submitted disputes of information to the credit bureaus XXXX, XXXX and XXXX. These disputes have come with a no change to my credit report.
Product: Debt collection

Collector XXXX repeatedly spoke over me trying to railroad the conversation into whatever she earns commission for, ignored my questions was not knowledgeable about collections lied about the companies policy on validating debts, threatened to hang up on me when I got tired of listening to hear pretend she knew what she was doing. When I requested a manager shes transferred me to a lower ranked supervisor, probably a friend to try and make the problem go away.
Product: Debt collection

In XXXX we received a letter from a debt collection agency based in the U.S. regarding a traffic ticket in XXXX, XXXX. 

The date of the traffic violation was XX/XX/XXXX. 

We paid the fine directly through the Italian website where they directed us to pay. The payment went directly to the municipality of XXXX. 

We didnt keep the first letters from XXXX, since we thought we had paid and it was resolved. However I do have the receipt for the traffic ticket payment that we did pay. 

Today - XX/XX/XXXX- we received a letter from Kehoe Financial Group. They are attempting to collect payment for an additional XXXX euros. 

The amount they are trying to collect for doesnt match the original ticket, because we had paid that original ticket. The original ticket was originally around XXXX euros, but it went up to over XXXX euros due to fines from being collected so late. We were happy to pay and get it taken care of. 

We have no idea why Kehoe Financial Group is attempting to collect more money for this traffic violation. We already paid the fines for this ticket, including the fees. It seems like a scam. The municipality in XXXX which originally contacted us only had XXXX traffic violation on file, so this debt has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a dispute to Experian about a account on my consumer report ( XXXX XXXX XXXX XXXX XXXX ) stating the account was in violation of 15 U.S. Code 1681a-Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian put the account under investigation. On XX/XX/2022, The account had been updated. The account had been updated as a Collection account and the account is still reporting as open. Also on the status of the account it says collection account/Never late. According to 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. this account is in Violation, they are reporting a collection account and also reporting the account as open and also saying it has never been late. This is not accurate how can the account be open, in collection at the same time, and never late? This is not reporting accurately and how can I be sure this whole account is accurate? According to the Fair Credit Reporting Act, creditors and collectors are not allowed to report inaccurate information and has to be removed from the consumer reporting agencies. Remove this account immediately.
Product: Credit card or prepaid card

I opened a dispute for Bank of America on XX/XX/2018 to offer purchase protection for a hotel reservation gone wrong. The letter that I sent them is attached, but it involves the hotel not able to provide another room after their vacuum cleaner exploded near the bed, causing me to have severe breathing issues. 

Bank of America pursued the dispute until a letter dated XXXX XXXX arrived on XXXX XXXX, requesting further information by the XXXX of XXXX. I faxed the information requested on the XXXX of XXXX ( proof of receipt is attached. ) Bank of America proceeded to send a letter dated XXXX XXXX, that I had not sent them the required information in time and closed the. This is incorrect and Bank of America refuses to reopen the dispute. 

I have attached all of the inquiries that I pursued with both the merchant and Bank of America as well as proof of receipt of a fax on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX County, TX and XXXX County, TX placing inaccurate and old data into current clean records via XXXX, Equifax or some unknown reporting agency. Many of the transactions have been verified by attorneys via lawsuits to be invalid or not filed claims. Records were clean prior to recent intervention by unauthorized credit pre-screens being issued by recruiting agencies and other types of businesses which were not employing or in the business of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a  credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have  on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX
Product: Credit card

I applied for a balance transfer card with XXXX on XXXX XXXX XXXX  I was approved, got email verifications and got my card. 

XXXXXXXX XXXX XXXX I got a letter in the mail from XXXX XXXX with a brand new card asking me to activate now so I may use my card. I DID NOT activate that card. Instead I called XXXX XXXX to dispute and inform them that I did not apply for this card. They Said the investigation could take up to 60-90 and that in the meantime I was to fax them my social and drivers license, I told them I was not going to do that at all. They then gave me a case # XXXX. I asked for them to send me email verifications and I still have yet to see any of that. I also never received any emails about this account prior. 

Then the following day I received another piece of mail from Wells Fargo Bank saying that they had denied by credit card account application due to to many inquiries. I connected XXXX and was able to only dispute the XXXX XXXX I tired to dispute the Wells Fargo with XXXX but was told to submit this and send them a copy. 

Last night I received an email from my bank informing me that my XXXX XXXX had dropped XXXX points! I looked into my that and saw two most credit cards. I have not seen anything in the mail for those at this time. 


Here are all the cards that I did NOT apply for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As of this moment none of them are showing a balance.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

AARGON COLLECTION AGENCY is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Checking or savings account

I went to eat at XXXX in XXXX XXXX, XXXX, PR. There, they had claw machines with prizes where the payment tab indicated each play was {$1.00}. I used my XXXX XXXX app and played with my Penfed debit card. I played 3 times, for which the total should have been {$3.00}, yet when I verify my Penfed App it states that each play was {$5.00}, for a total of {$15.00}. I believe this is very unfair and I feel deceived, as nowhere in the machine or the payment tab it said the amount would be so much for each play.
Product: Checking or savings account

I am submitting this complaint due to a major outage " vendor issue '', supposedly, by Capital One that has caused me not to receive my direct deposit on XX/XX/year>. Despite following all procedures, my funds are not being made available in a timely manner, which has caused significant inconvenience and disruption to my financial activities. I have a portion of my paycheck that goes to my local XXXX XXXX account, and I did receive that portion on XX/XX/year>, but not the portion ( the largest portion ) to my capital one checking. I now can not pay certain bills on time. Capital One sent out a mass email stating by Friday, XX/XX/XXXX in the AM that all funds should be available, but I have yet to receive it by XXXX AM
Product: Vehicle loan or lease

I financed an automobile through Ally Financial on XX/XX/2022. To date, the dealership has not been able to register the car under my name in the State of New Jersey since they do not seem to have the title. I have attempted repeatedly to contact the dealer, file a complaint with the NJ XXXX XXXX XXXX, & XXXX I have also filed a legal complaint and hired an attorney. 

As far as Ally is concerned, I have also repeatedly called them and requested that they intervene given I am a customer of theirs who has not been treated fairly and they are technically supposed to have the title of the vehicle given its financed and represents collateral against the loan. They have given me conflicting information, their agents arent trained and knowledgeable at all on how to handle these types of situations. They have asked me to email to XXXX, which I have done to no avail. They keep telling me that their titles department has been attempting to contact the dealership and when I requested to find out what their escalation procedures are for cases like mine, agents are cluelessThey also clearly do not understand third party risk as in taking unwarranted risk of doing business with another party that doesnt treat its customers fairly and equitably. I have requested that they consider taking legal action or escalate the case on their end but they arent willing to or essentially able to given they keep receiving the monthly payment from me on the loan and absolutely indicate XXXX regard for what their customer is going through.
Product: Payday loan, title loan, or personal loan

I am very concerned about policies limiting financing to companies engaged in the gun industry! I believe this is a violation of anti-discrimination law. What happens when the banks decide that we should no longer purchase vehicles which use fossil fuels, that we should all drive solar/battery powered cars? What happens when prolife organizations are deemed unacceptable by lenders? What would happen when black businesses are deemed too risky? What right do lenders have to pick the policies that we are all forced to live by and suppress policies with which they disagree? This is a very dark and dangerous path for us to choose and I would suggest BOA and XXXX XXXX need to take a step back and reconsider their policies regarding the gun industry and if they will not they should certainly be held accountable for this dangerous behavior! To me this is very comparable to the baker providing services to gay individuals, to separate restrooms for white versus black individuals, and even to equal pay for women versus men. We all supposedly ascribe to the principal of equality and these new policies of BOA and XXXX certainly violate these principals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following errors on my credit, I have tried to handle this directly with Experian but yet still no resolution to remove items off my credit report. Below are the following that need to immediately be remove off my credit report.

REMOVE COLLECTION ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - {$710.00} XXXX XXXX XXXX - XXXX  - {$260.00} REMOVE INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX UPDATE PERSONAL INFO : REMOVE BELOW : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX UPDATE Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX   UPDATE EMPLOYER : XXXX XXXX XXXX
Product: Checking or savings account

I had an account opened through unemployment to receive my funds. I 1st had someone steal {$300.00} off of my card on XX/XX/XXXX. I called, filed a claim, than I got a letter in the mail from the bank saying they closed the claim due to fraudulent activity, So I called again, the woman said that they escalated my claim and she wasnt sure why it was closed out. I never received that money back ... Than I had my card stolen again on XX/XX/15 so I called in to tell them, and they sent me a new card. When I called to activate the card they are saying my account is closed/frozen and that I need to get into contact with XXXX to receive funds again. Now the issue here is that XXXX is still releasing the funds to me to that account at Bank of America and Bank of America wont even let me into my account to see or anything. Its been a game of tag back and forth so not only did they not provide me even an investigation or my {$300.00} back but than on top of that they wont let me access the funds that are being deposited into my account!!! Many people are having this problem and I dont know what to do with it.
Product: Debt collection

In XX/XX/2021 and XX/XX/2021 I request that First Federal Control Validate an alleged debt that they claim I owe. I have been requesting Validation of Debt and HIPAA authorization that qualifies First Federal Control to Legally collect on this debt. I have asked for First Federal Control to Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to you I have requested this information over 60 days ago and NO RESPONSE
Product: Mortgage

Currently I have an adjustable rate mortgage on my condo with Mr. Cooper. I want to know who is the investor/owner of my mortgage. The reason is that I need permission to move my condo into my revocable trust. 
Starting in XXXX, I placed several calls to Mr. Cooper. Supervisors were evasive and didn't want to give me any information about the mortgage owner or whether I could move my condo into the revocable trust. My attorney at XXXX and XXXX told me I needed permission from the mortgage holder to do so. In mid XXXX, a supervisor told me to email " XXXX '' to get the info. I did so twice and didn't hear from Mr. Cooper. About XX/XX/XXXX, I spoke to XXXX XXXX XXXX who identified the owner of the mortgage by the code- XXXX. He understood what I wanted, and said he would see if it was possible for me to move my condo into the trust. He gave me his email address, " XXXX '' or XXXX. I wrote to XXXX twice, the last email was XX/XX/XXXX. I have not heard from him. When I last spoke to XXXX, he told me he saw that all my calls were noted as well as my email attempts. I need your help to get my info and move this along.
Product: Credit reporting or other personal consumer reports

I am trying to remove a false report on my credit kikoff is a complete scam they claim they help you boost your credit but they dont so i request to close my account because I no longer wanted to be in business with them now their taking advantage of my rights and reporting on my credit report like I was in delinquent when I was the one that closed the account I did not experience what they claim they could help me with I tried contacting them I tried contacting XXXX  I filed a dispute kikoff reached out to me say they will not remove it off my credit when I dont owe them anything they are making my credit report look bad and they are doing false advertising and taking peoples money please help me remove this off my credit
Product: Checking or savings account

On XX/XX/XXXX I met with XXXX XXXX XXXX at the XXXX XXXX main branch located at XXXX XXXX XXXX XXXX. The meeting was to discuss issues with my accounts and some errors that occurred. I indicated that I was told by the banker that opened my account that my personal & business accounts were free due to my veteran status. It was at this time that my account was signed up for a debit card, checking account, and paperless statements. 

Account ending in XXXX was charged off on XX/XX/XXXX for an amount of XXXX of which XXXX was a charged off account fee and XXXX was " monthly maintenance fee ''. XXXX XXXX stated that " This was not an appropriate account due to my veteran status I should have had a " Platinum Money Market Account '' ( Consumer Pricing agreement attached ) This account came with no fee. She stated that " it is not necessary for a banker to ask every customer if they are a veteran. '' My bank statements confirm my customer segment as " Military ''. XXXX was unable to determine why I was charged a fee. I indicated that I expected the account re-opened and the fees waived as I qualified for a much better product that was more appropriate. 

Account ending in XXXX was charged off on XX/XX/31 for an amount of XXXX of which {$30.00} was " charged off account fee and {$15.00} was " paper statement fee '' I indicated this was incorrect as numerous statements i have received in the past showed a fee posted and credit back on the same day. XXXX was unable to provide satisfactory explanation for the situation. The attached document shows no monthly fee for the account. 

I spoke with XXXX XXXX on XX/XX/XXXX she indicated that the fees for the above mentioned accounts were waived. There was no explanation given as to the cause of the fees. She further indicated that US Bank would not be re-opening the accounts. I confirmed with her that even though US bank had grossly erred in charging me fees that were incorrect, and the negligence by the bank that caused me to be in an inappropriate account they would not be rectifying the issue. She confirmed and the phone call was ended.
Product: Mortgage

18 months of covid forebearance ended XX/XX/XXXX. I was unable to return covid documents Sent XX/XX/XXXX in time for covid forebearance option. Flagstars human FAQ tells me I'm getting a new review and not to make payment XX/XX/XXXX. XX/XX/XXXX I get a call saying a new review hasn't been instituted. Covid forebearance options are no longer being offered, and not I am officially late on my mortgage.
Product: Mortgage

Troubled PHH mortgage sent me an early crooked XXXX intervention letter gift dated, XX/XX/2019, explaining how they want to help me save my home when my loan is current and not in default. Setting aside all the evidence I have about other issues I am demanding that the troubled loan servicer stop targeting me with its abusing loan servicing practices.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection

Received numerous calls from an unknown number. I received several calls from other business owners I barely know who received harassment calls from Voss and Klein LLC. I expressed in writing and verbally to know call third party individuals about this unknown contract with their company. They would not mail me or fax me proof of their client or any information.

I felt threatened and unclear on how or why this company is reaching out to me. I am reaching out to a consumer attorney because I feel my business and life are in danger. I want this company to handle business professionally and apologize for its business practices.

I googled the company and several folks online are saying the same thing that this company Voss and Klein harasses you and does not provide proof.