23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA and HIPAA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the company. If Collection Service of XXXX does not have any documentation, they need to remove this from my credit file immediately. 

This debit collector has yet to provide a signed document with myself and them in any agreement and i would like it removed
Product: Prepaid card

The American Express prepaid gift card is not usable at any reasonable online or in person vendor. This includes grocery stores, XXXX, and drug stores.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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
Product: Credit card

Today, XX/XX/XXXX, my spouse and sister-in-law received calls and voicemails form ( XXXX ) XXXX regarding an existing balance providing my personal information such as First & Last Name, Last four numbers of SSN, address, and stating I provided their phone number to be reached at. The voicemail states there is a case number of XXXX and provide an additional phone number to be reached at, ( XXXX ) XXXX, which is different from the phone number calling my relatives. Since I can not speak XXXX well, I asked my son to call provided number giving the case number provided, the person he spoke with at the number provided, ( XXXX ) XXXX, states I have an outstanding balance of approximately {$7000.00} with a JCPenney credit card dating between XXXX and XXXX. I have an active credit card with JCPenney which does not have an outstanding balance. I believe this matter to be false, my concern is that they did provide the last four numbers from my SSN.
Product: Mortgage

THE MONEY SOURCE MORTGAGE The money source.com ( XXXX ) XXXX XXXX Loan # XXXX A double payment made on my loan on XX/XX/XXXX through de TMS App and Automated phonesystem. I logged in into the App selected the info that is needed to make a payment. When I submitted the payment it didn't confirm me that a payment was made. A message box appeared and said it could not fetch my loan information. 

That made me think that it was not processed. I tried to login again and the same message came back not even letting me in as it did before. 

What I did was to dial the automated phone option and make a payment in that way. The payment did go throughand got a confirmation for the amount of {$740.00}. What I think is that it should have an option to let you know that a previous payment its pending o waiting to be processed. The app does that. Why not the automated phone system? 

They asked me to send a XXXX XXXX statement where it reflects the withdrawals. The latest PDF statement on my XXXX XXXX account reflects up to the month of XXXX. The bank does not provide direct emails to any company with that information. That was what TMS requested. 

All I wanted to do is to cancel the last payment that is reflecting today in my account as pending. I did not reflect on my account history until XX/XX/XXXX. All I want is to leave the one charge for the month of XXXX that it did go through on the TMS app. I don't understand is why do I have to do all of this loop jumping when is so simple to cancel, stop, reverse a payment that the system glitch at the moment. This can't wait and need to be resolved immediately. The funds are not available and overdraft fees are being charged. I did call on time and they denied me to reverse that second payment not authorized that was a mistake or glitch of the App portal. Still if submitt the info that they need I still have to wait 2 weeks for my money back!!! In the copy that the bank gave me you can see the double charge and one pending and still did not put a stop, cancel or reverse of funds. 
Thank you. 
XXXX XXXX XXXX
Product: Debt collection

I switched providers from XXXX in XX/XX/XXXX. I was sent a box to return my phone but I never received a box to return the " free '' tablet. I called them repeatedly requesting the return box. I also emailed and " live chatted ''. I have been told 3 different stories by XXXX so far. 
1. A box will be sent to you and just follow the instructions like you did with your XXXX XXXX. 
2. Go to a XXXX Store and get a return box there. Every XXXX store I have gone to said they carry no such boxes. 
3. Just return the tablet to a XXXX store, no XXXX store I have gone to will take the several years old " free '' tablet. 
Then they put it in collections, I offered to send the tablet back at my own expense and they went back to the box coming, then store for box and then return to store song and dance again. Naturally I appealed the collection and won. XXXX then put it in collections again. I appealed to this new agency and won again. This current collections effort marks their 4th effort to get me to pay {$230.00} for a 5 year old " free '' tablet. Each time they put it in collections, it hits my credit reports. Even after I successfully appeal it takes months to get my credit report straightened. I will gladly ship this tablet back at my own expense. I will even drive somewhere and hand deliver. What I will not do is pay them for the tablet. i did not have to pay for the phone I returned, my mistake was not shoving the tablet into the box even though it was marked for the phone only. Please note the date of their latest collection effort XX/XX/XXXX, which further proves that I have been fighting with them and their various collections agencies since my decision to terminate XXXX  in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint regarding important credit history missing from the 3 credit reporting agencies, XXXX, XXXX and Experian. Out of the three agencies I have acquired one accurate credit report summary from XXXX that reflects my correct 30+ year credit history summary. When I checked my credit reports around 4 months ago, all 3 agencies were the same as this attached copy from XXXX. 

Once more I would greatly appreciate your assistance in getting my credit history summary corrected with XXXX and Experian.
Product: Payday loan, title loan, or personal loan

I received Funds that I did not request, in my checking account on XXXX XX/XX/2023 from a company called Lendumo. I DID NOT make a request for these funds. Since, with contact with this company, I learned this is a short term high interest rate installment loan. I did not verify any information with this company. 
I did not sign any loan aggreement. 
I do not have an account with this company or site log in, and am not creating one due to identity theft concerns. 
I have attempted to return the funds sent to me. There have been three attempts that have failed. Its is odd each time funds were available and the amount account not frozen. 
I have filed a fraud complaint, opened new accounts and awaiting this company to withdraw their funds to close the account involved. 

I am thinking now after days past that this isn't a matter of a person stealing my information as much as this company. I filed a police report at their request and a report with Identitytheft.gov.. Forwarded the same to Lendumo, yet they persist with collection
Product: Debt collection

I have been disputing this debt for over 7 months. I have repeatedly asked this company to provide proof of this alleged debt as well as the contract where they are allowed to add additional fees being that they are a collector and that is illegal under the FDCPA. I do not agree with this account and they have Never responded to any of my disputes and have not provided verification even though they have been responding to the credit bureaus that the information is 100 % accurate.
Product: Debt collection

I am formally requesting the removal of this erroneous entry from my credit report. I did not authorize its establishment or utilization. Enclosed are the necessary documents to support my claim. 

I urge you to promptly rectify this error on my credit report. I confirm that this account is not mine and strongly suspect it to be fraudulent.
Product: Mortgage

My husband lost his job just after we bought the house. We were behind XXXX payments, made a payment, and asked about having them put those XXXX payments to the end of the loan, as we were able to start making payments again but couldn't afford XXXX past due payments plus the XXXX payment. They said that they only offer that if we're 90 days past due. The customer service rep said he's technically not supposed to give mortgage advice but said if we let it hit 90 days, then we could see about having those put to the end of the loan. We hit 90 days, and I have spent a total of 4 hours on hold, I've selected the option to have their system hold our place in line and call us back when it's our turn 3x, none of which have resulted in a call. I selected the wrong option intentionally in their automated system just to speak to ANY human, who told me he can't help because that's not his department but he'd send an email and have them call me that day no matter what ( that was 2 days ago, no call ) and I've also filled out their contact me form, no call. I don't really want my home to go into foreclosure because THEY can't pick up the phone or call me back. This is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST TRADING COMPANY added 2 late payment when Covid 19 was starting and everyone was struggling and i was never late on any payments this information it's completely wrong i try to fix this issue with the dealer and they said they can't help. 

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 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 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: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/year> and found some addresses that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please delete all names and addresses other then the information below My full name is- XXXX XXXX My full address is- XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX My phone number is XXXX Please delete all other address and names and update report
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX CO XX/XX/XXXX XXXX  Legal XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of XXXX : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Mortgage

I secured a real estate construction loan with the lender, Veristone Capital, LLC to finish my renovation of my personal residence. They told me that I had to say it as not my personal residence in order for me to get the loan. I agreed then that I would complete the renovation with the funds and sell the home. However, they have been withholding my draw request funds and making it difficult to complete my project and get the home on the market. This is causing me to pay high daily interest and more and more fees as well as I have now lost critical market time. They charged me over {$10000.00} in loan origination and junk fees as well as an interest rate of 12 %. Now they are trying to string out my loan in order to keep the interest only payments of over {$2000.00} a month coming into their company. I have spoken and emailed the following individuals countless times and they contradict what they tell me each time ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Accounting & Draws Department countless times over the last few months as they started to drastically shorting me on my draw request reimbursements and now owe me over {$6000.00}.
Product: Mortgage

Dear sir/ madam I would like to pursue my complaint number XXXX-XXXXfor which XXXX has acknowledged that the deferred principal balance should be waived at the time of loan 's maturity. As XXXX has sold the loan and servicing was transferred to SPS XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX-XXXX. 
I have contacted SPS through my attorney with a request to update my records to reflect that deferred principal balance will be waived. I have also attached the supporting documents from XXXX and the response letter from XXXX to complaint numberXXXX-XXXX, but SPS has refused to acknowledge and rejected a {$100000.00} waiver. 
It will be highly appreciated if you can please ask SPS to correct their records as per XXXX 's approval and also contact XXXX to instruct SPS to honor their loan modification offered to me before selling my loan.
Product: Credit reporting or other personal consumer reports

I writing to request a detailed description of the investigation process by the credit bureau agency regarding the disputed account on my credit report. Pursuant to the Fair Credict Reporting Act ( FCRA ), 15 U.S.C. 16811 ( 7 ).

Under Section 15 U.S.C. 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer disputed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It is my understanding you can help me with the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : Listed as appeared on credit report- XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting or other personal consumer reports

As of today XXXX XXXX XXXX, the account XXXX XXXX XXXX XXXX XXXX  this is my XXXX time reporting this issue and Experian still verifies it as accurate. This account has failed to be properly investigated and CFPB, Experian and the company used to verify the account as accurate are unreliable, unorganized and deceitful. All companies involved have neglected to fix this issue and my consumer rights have been violated. All information has been properly documented for ongoing case issues. 

This account, XXXX XXXX XXXX XXXX XXXX is still reporting inaccurate payment history after verifying it as accurate. It says XXXX  30 days late, November 90 days late. This is inaccurate reporting ; you can't jump 60 days ' worth of data in 30 days. It is inaccurate reporting and makes every month data after wrong. This mistake your company keeps making makes your company look inadequate. 

I asked for and investigation, a re-investigation and gave one of the many inaccurate problems. Have I not? 

The company responsible with verifying the account as accurate is unprofessional and deceiving about the information being accurate. And I have even more proof that the account is still inaccurate with all this being warranted for an excellent case. 

Do you not know the consumer laws? 

I will upload another copy of my Credit report that is hard evidence that the account is inaccurate. 

This account needs to delete because this is taking too much time and resources. All I asked for was a 100 % complete and accurate credit report. And if this can't be achieved then this account needs to be deleted and I need to have a new credit report mailed to me.
Product: Checking or savings account

WELLS FARGO BANK reported to merchant XX/XX/XXXX and bank and bank has not been communicating and claims reports hasnt been filed in system and have zero to little information and has not closed account or sent new card out. and continues to delay the 10 day period for status. They deliberatley have not communicated and will not transfer to correct fraud department and say they are busy and to call back. Bank is not protecting their costumers and leaving them to deal with fraudulent and unauthorized transactions to the customers and telling them its our fault. when clearly they have been negligent on their lack of investigations as they claim to do so. 

XX/XX/XXXXXXXX  MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXXXXXX CA XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX MONEY TRANSFER AUTHO RIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$1500.00} total amount- {$2500.00} fraudulent account transfers
Product: Debt collection

To whom it may concern, Thank you for taking your time to read this. Our information was given to a third party company " SYNTER RESOURCE '' from " XXXX ''. The company ( XXXX XXXX  ) uses third party delivering services ( XXXX ). We had an agreement with MRO supply for supply services ; therefore, the company initially contacted for services was XXXX supply. Our information was then given to XXXX, while not being in direct contact with them they have decided to charge us with nothing but an invoice. They do not have purchase orders ; however, we have a purchase order with XXXX XXXX and it states free shipping. Which is what the debt is in regards to. If someone could please assist, because we are getting calls from a debt collection agency. " SYNTER RESOURCE '' has not responded to the dispute letter we sent, and they have received the letter. We get an automated call with details of how much the alleged debt is everyday, and the calls do not let us speak to a live person. The company " SYNTER RESOURCE '' is unresponsive to our phone calls or emails. Any assistance would be greatly appreciated. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to challenge the presence of a fraudulent item currently listed on my credit report. Despite sending my initial dispute letter and the required documentation to the Federal Trade Commission ( FTC ) in accordance with your guidelines, this item remains on my credit report. After contacting the creditor linked to this item, they acknowledged its fraudulent nature. Consequently, the item has been removed from XXXX and XXXX. I have also provided the company with all necessary documentation to substantiate my claim. 

XXXX XXXX XXXX  XXXX Reference : XXXX Date Filed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

hard inquiries got added to my credit report, which l am unaware of. I am filling this report to remove them from my credit report. The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX )
Product: Debt collection

XX/XX/year> I paid for my insurance coverage for the next billing cycle ( {$230.00} ) ending XX/XX/year>. 
I cancelled my service with them XX/XX/XXXX, XXXX my next billing cycle on XX/XX/year> Received a collection notice several months later for {$110.00}. 
Submitted dispute with copy of cancellation letter, proof of new coverage starting XX/XX/XXXX, and of my payment going through for the final billing cycle. 
Collection agency on behalf of XXXX says it was rejected due to adjustments, but unable to clarify what these were and that I would need to discuss with XXXX. 
Contacted XXXX several times who say I must deal with the collection agency. 
After several back and forth attempts XXXX customer service says they will do a billing history breakdown and history request, and that they have no way of possibly connecting me to the billing department. 
Multiple times they send me an email saying they have looked in to my request, but are unable to reach me over the phone, without any call attempt, and that I must contact customer service again. 
Repeatedly telling me via chat and over phone they can not provide any information on my account due to it being terminated. 
Customer service again says they can not connect me with billing department but must submit another request. 
They say to retry reaching them through chat, phone, and email which as you can see above cant not/will not help. They mentioned reaching out via email, but the email says it is unmonitored and to reach them through chat/phone. 
In the end they are not providing me any breakdown/proof of a debt owned after countless attempts to do so. 
Would like for them to provide this proof or remove my debt from my credit report on the three major credit reporting agencies