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

In accordance with the fair credit reporting act this creditor has violated my rights under Section 15USC1681 602 States I have the right to privacy 15USC1681 Section 604 A Section 2 it also states an 15USC1681 consumer reporting agency can not furnish an account without my written instructions Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. Please Update these accounts to Current and remove any late reporting 's that you have furnished please as it is a violation of my rights. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX  Account Name XXXXXXXX XXXX XXXX Account Number XXXX
Product: Checking or savings account

On XX/XX/XXXX, I made a special trip to XXXX XXXX XXXX because there was an issue with my money being direct deposited from my retirement account namely XXXX and a check was issued. I immediately deposited the check into Bank Of America through the ATM because there was at least a two hour wait to see a bank teller and absolutely no air or air conditioner in there XXXX XXXX Branch located in the XXXX. The check was a city issued check and was not an out of state check. To my surprise, the check is not going to clear until XX/XX/XXXX however they released half of the funds. I am being told that the check is out of state by a XXXX XXXX who is a supervisor for the Bank of America customer service located in Georgia. He reiterated that there is nothing that can be done about releasing the funds and no one can release the funds. I am caring for my XXXX year old mother and XXXX sister and that this is just not going to suffice. It is unethical and I believe illegal for them to hold my money hostage and I would like to file a complaint.
Product: Debt collection

The debt collector called my employer stating that I owed a debt and they were trying to reach me. The last time, they were told not to contact me at work.
Product: Credit reporting or other personal consumer reports

I tried to dispute addresses and credit information in regards to missed payments with Experian and they did not properly investigate
Product: Credit card or prepaid card

I am receiving unwanted email marketing from Capital One. I attempted to unsubscribe, and was told " Our system is temporarily unavailable, and were unable to process your request at this time. We apologize for the inconvenience. Please try again later. '' 15 U.S.C. 7704 requires senders of unsolicited commercial email to provide a working opt-out mechanism. Capital One has failed to do so.
Product: Payday loan, title loan, or personal loan

LOAN WAS TAKEN OUT XX/XX/15 I BELIEVE FOR {$500.00}. I DO N'T REMEMBER. THEY TOOK OUT TOTAL AMOUNT DUE WITH INTEREST ON FIRST PAYMENT DATE 10 TO 14 DAYS LATER ON MY PAY DAY. I RECEIVED EMAIL STATING LOAN WAS PAID IN FULL. THEN I STARTED RECEIVING PHONE CALLS AND EMAILS WEEKS LATER HARASSING ME STATING I DID NOT PAY. AND THEY WERE GOING TO COME AFTER ME. I PLACED MULTIPLE THREE WAY CALLS WITH XXXX XXXX XXXX AND MY BANK PROVING PAYMENT WAS DRAFTED, COMPLETED, CLEARED AND ALL WAS GOOD. A FEW WEEKS LATER XXXX XXXX XXXX TRIED TO DRAFT DOUBLE WHAT WAS OWED AGAIN AND MY BANK FLAGGED IT. I HAD MORE MULTIPLE PHONE CALLS WITH XXXX XXXX XXXX AND THE BANK. XXXX XXXX XXXX ASKED ME TO SEND BANK STATEMENT SHOWING WHERE THEY DRAFTED THE MONEY. I DID. I WAS TOLD IT WAS THEIR MISTAKE AND LOAN WAS PAID IN FULL. 2 MONTHS LATER AND AFTER SEVERAL DAYS OF ARGUING FIGHTING AND PROVING TO XXXX XXXX XXXX THEY WERE IN THE WRONG I WAS TOLD EVERYTHING WAS CLEARED. I CLOSED MY BANK ACCOUNT BECAUSE OF SUSPICIOUS ACTIVITY WITH XXXX XXXX XXXX AFTERWARDS. AND THE PHONE CALLS AND EMAILS STOPPED. NOW HERE WE ARE 21 MONTHS LATER AND TODAY I 'M RECEIVING PHONE CALLS AND LETTERS FROM A LEGAL TEAM ( XXXX XXXX WITH XXXX XXXX XXXX ) THAT THERE HAS BEEN ACTION STARTED AGAINST ME AND XXXX XXXX XXXX IS SUING. AND ALSO FROM A XXXXXXX PROCESS SERVER FOR XXXX XXXX XXXX THAT SHE IS ON THE WAY TO MY HOUSE AND JOB TO SERVE ME AND IF I DO N'T SIGN PAPERS THERE WILL BE MORE LEGAL ACTION AND PROBLEMS TO COME FROM THIS. I CALLED XXXX XXXX SPOKE WITH HIM ABOUT THE SITUATION AND HE ADVISED WOULD GET AHOLD OF THE LENDER AND LET ME KNOW IF HE NEEDED ANYTHING ELSE. THIS IS FRAUDULENT. THIS IS CRAZY. AND THIS IS HARASSMENT.
Product: Prepaid card

I contacted Rushcard on XX/XX/XXXX and was informed my card was cancelled because they had sent out a new card and it was returned. I advised them the address was wrong and I had money left on the card in my possession. They advised me they could n't deactivate so I told them to close account and send me a check for {$110.00} ..They sent check to wrong address and it was returned. They sent me an email saying they had my funds and would reissue the check. It 's now XX/XX/XXXX and still have not received my money.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

A {$1200.00} debt is being reported by Stafford Group and Associates related to XXXX, a lease-to-own company. In 2023, the CFPB found that XXXX engaged in deceptive leasing practices and was ordered to stop all collection activity and delete accounts from credit reports. Despite this, the account remains on my credit file. 

This debt is no longer legally enforceable, and XXXX agreed to cease collection and reporting of all such accounts. 

CFPB Enforcement Reference : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$4900.00} Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX OPEN : XXXX BALANCE : {$10000.00} XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX Date : XXXX INQUIRY : XXXXXXXX XXXX XXXX Date : XXXX Please Help Me Reinvestage These Accounts I Seen A Few Errors on My Report and These Accounts Wasnt Open Without Permission Or consent Please Help Me Contact The Creditors And Request Written Documents And Permission Signature From Me This Is A Voilation Of My Consumer Rights And This Needs To Be Handle Accordingly. PLease HELP ME CHANGE THE ADDRESS ON MY REPORT.. 

FCRA VIOLATION BY FCRA LAW CODES : CREDIT REPORTING AGENCIES HAVE TO REPORT ACCURATE INFORMATION ONLY On A CONSUMER REPORT ( 15 USC1681B ) ( 15 USC1681N ) -ANY WHO OBTAINS A CONSUMER REPORT FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWINGLY WITHOUS A PERMISSIBLE REPORTING AGENCY FOR ACTUAL DAMAGES SUSTAINED BY THE CONSUMER REPORTING AGENCY OR {$1000.00} WHICHEVER IS GREATER..
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I used MoneyGram service sending money international. I was put a wrong account number and the funded was successfully deposit into a wrong account which the system on bank receiver doesnt have on the system. 5-10mins after the transaction complete I contact MoneyGram right a way to stop and let them know that it was wrong account number. They asked me to wait 30-90days processing it. So I agreed because I have XXXX XXXX XXXX. The problem never been solved after 3-4 report has been submit. I was able to stop the money with my back at the time I sent but I wasnt stop it because I trust on MoneyGram and expected them already block the transaction. Since now I open another report and provide all the information which is right and wrong account number under Who name for receiver. 

Right account with last 4digits of receiver is XXXX Under receiver name XXXX XXXX XXXX account that I was put which not even have on a system XXXX
Product: Credit reporting or other personal consumer reports

I Filed identity theft and I have been in an ongoing data breach and I've been heavy inquiries that I never took part of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting this complaint because the mortgage company, Ditech, that is the current holder of the mortgage on my house says that I am behind on at least XXXX payments. 
I filed Chapter XXXX Bankruptcy in XXXX, XXXX, as I was behind on my mortgage, as well as on some other bills. At the time I filed the Chapter XXXX, XXXX XXXX XXXX was the mortgage holder, it transferred to Greentree Servicing, then to Ditech Mortgage. 
The Chapter XXXX Trustee paid a total of {$58000.00} to both XXXX and to Greentree on the mortgage arrearages. I have paid all payments since the filing of the Chapter XXXX. When I had completed the bankruptcy, in XXXX, Ditech said that I was behind XXXX payments. 
XXXX payments. I gave them copies of the last XXXX payments that I had made. 
Ditech said they had received those payments. I then created a spreadsheet showing a all of the payments that I made since the filing of the Chapter XXXX. After their review of my information they said the payments that were missing were from XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I provided copies of the missing checks to their local attorneys, XXXX XXXX. At that point they said that I had underpaid some of the payments and that I owed Ditech approximately {$830.00}. I then gave the an updated spreadsheet showing that I had paid the amounts that were on the bills that I had received, and that I had actually overpaid by about the same amount. 
At the point the bankruptcy was concluded, and I thought that all payments had been properly accounted for. In XXXX, I requested an Escrow Analysis to ensure that there was sufficient funds in the Escrow Account as my Homeowners Insurance had recently increased as well as the Property Taxes. The Escrow Analysis show that I have approximately {$3200.00} in excess funds. They said a check would be sent for the excess in about XXXX to 6 weeks. After that period went by, I contacted Ditech to find out when the check would be sent. At that point, they informed me that I was three months behind on my mortgage payments. I sent them all the information that I had previously sent to their Attorneys. They told me it would take about 30 days to do their investigation. At the end of XXXX, I received a letter from them stating that I still owe them three months of payments. On XXXX XXXX, I contacted Atty. XXXX XXXX from XXXX XXXX who had handled the information back in XXXX. 
She was going to contact Ditech to find out what was happening. She has not got back in touch with me. At this point, I need to have make sure that all of the payments that I have made have been properly credited. I have been requesting full access to all the features of the website, due to the bankruptcy I was not able to use them, but now that the bankruptcy is over, they have not given me full access. I also would like to receive the check for the excess escrow balance.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to express my extreme frustration and dissatisfaction regarding the apparent negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ) in your handling of my credit report. Specifically, I am addressing the inaccuracies related to the account with XXXX XXXX XXXX, originally held by XXXX XXXX, bearing the following details : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$250.00}. It has come to my attention that other credit bureaus have promptly and responsibly removed these erroneous accounts from their records after identifying an error. These agencies were diligent in their investigations and successfully rectified the issue. I am left bewildered as to how your bureau claims to have verified the information, while others have acknowledged and corrected their mistakes. I am left to question your procedures, integrity, and commitment to complying with the law. It is both disheartening and infuriating that, as a victim of inaccurate reporting, my pleas for resolution have fallen on deaf ears. The blatant discrepancy between your actions and those of other bureaus is not only confusing but also indicative of a systemic failure within your organization.
Product: Debt collection

I am writing to you in the strongest terms possible regarding the presence of a XXXX account on my credit report. It has come to my attention that there is an account listed under my name that I have neither authorized nor had any association with. This is an egregious error on your part, and I demand its immediate removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company furnished my information without my written consent. When I notified the company that I revoked all rights they had to furnish my information, they ignored and kept it up in violation of my consumer rights. XXXX XXXX states in their terms and conditions that they do not furnish information to non affiliated third parties, and the FCRA states you must get written consent 30 days prior to furnishing information. I received no such notice. There are also inaccuracies in the report.
Product: Debt collection

XXXX XXXX XXXX has been calling my home multiple times per day for the past 2 months. I have asked them repeatedly to stop. Some representatives have hung up on me. Others have yelled and cursed at me. One representative told me right out that they would continue to call despite my request to stop the calls. The calls start first thing in the morning and continue right through the night. I submitted a cease and desist letter on their website advising them that I would take legal action if the calls continue. They still continue to call multiple times per day. Something needs to be done.
Product: Credit reporting or other personal consumer reports

XXXX & XXXX XXXX XXXX stated that when I pay off the balance they would connect the credit bureau to have the late payments removed or changed to current on my credit report. XXXX & XXXX also stated that they would send me a letter with that information because I informed them that I am buying a home, and the lender said I can't report any late payments within XXXX months. 

In XX/XX/XXXX, the balance was paid, and XXXX & XXXX sent a letter showing the payment in full. XXXX, the representative I was working with, communicated via email that he was contacting the loan company and the credit bureau to update my account and remove or change the XXXX reported late payments. 

In XX/XX/XXXX, I noticed that XXXX and XXXX changed the status to paid in full, and the late payments were current. Experian only updated the report to paid in full. I disputed the report and informed them of what the status should be and what was told to me by the collection company. I contacted XXXX XXXX Bank about the issue in XX/XX/XXXX ; they stated they couldn't do anything to contact XXXX XXXX XXXX. I contacted Total Loan Service, and they stated that they couldn't do anything because they sold the account to the collection agency XXXX XXXX XXXX 

I called XXXX & XXXX and spoke with XXXX again, and he stated that they did their part and there's nothing they can do. XXXX XXXX Bank or XXXX needs to contact the credit bureau to make the changes. 

XX/XX/XXXX, I contacted Experian to check on the dispute that I submitted on XX/XX/XXXX, and they said they were waiting on any updates and that they see no late payments reporting. My lender does a soft pull and sees the XXXX late payments reporting. I contacted Experian again on XX/XX/XXXX. I spoke with another lady, and she stated that the XXXX late payments are reported, and there is nothing they can do because they did update the report as was told to them, but not the late payments. I would need to upload any documents to support what I am saying. 

XX/XX/XXXX, I contacted XXXX XXXX Bank, XXXX, and XXXX & XXXX, and all three companies were pointing the finger at each other. I'm afraid that no one is trying to help me with getting the XXXX late payment statuses updated so I can proceed with purchasing my home. I contacted Experian again, and another lady said she didn't see any late payments reported. I told her they were showing on our end, and she said she could do nothing.
Product: Debt collection

I received a voicemail on  XXXX / XXXX /   17  @  XXXX    XXXX   from Western Alliance Bank which mentioned they are attempting to reach me about a payment due on my   XXXX   XXXX   Account ; the message was a robot call ; which never Identified me by name nor did it read the Min i Miranda w hile listening to the message via my Blue Tooth thru my speakers in my automobile in the presence of my co-workers. I was very embarrassed and I also felt harassed at the same time. Afterwards, on  XXXX / XXXX /   17  I called their Customer Service Number at #  XXXX  and I spoke to a Rep named  XXXX  who successfully transferred me to a Supervisor named  XXXX . I expressed my concerns to  XXXX  that i felt violated by the verbiage in the message which made mentioned of my account & my payment is due.  <P/> At the time of the robot c all may to tal balance was {$210.00} for which i make monthly payments online. I did mention to her that i was not running from my responsibilities and my nearl y two yea r payment history of $  XXXX /Month should reflect it.  XXXX  agreed to pass along my concerns over to  her Superior and/or Compliance De partment.  XXXX  did call me back by the end of the same day to confirm message was passed along to the proper area.  <P/> On  XXXX / XXXX / 17  after no returned calls, I called and i left a message with an other Rep. On   XXXX / XXXX / 17  I spoke with  XXXX   XXXX   XXXX   ( O verseas total operation ) he proceeded to confirm he was aware of my concerns and he feels that no violation t ook place & i w ould be happy to send the Terms & Agreements of my contract that i agreed to receive calls. I advised him that per the FDCPA and TCPA the violation was about the content/verbiage of the robot call ONLY and i was owed $  XXXX  - $  XXXX  per violation.  XXXX   XXXX  proceeded to brush me off several times and he continued to offer the Terms & Agreements again. I did offer to provide a copy of the message as proof of said violation.   Finally, we disagreed on the outcome the call with zero resolution from their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX OF XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt collection Agency Franklin Collection Sv is trying to collect {$260.00} from me. They have never validated the debt with me. They are illegally trying to furnish debt that i do not owe. i do not owe XXXX {$260.00}. I have mailed them a letter requesting that they show proof of a copy of the original contract that i signed, a copy of the payment history, name and address of the original creditor and proof of collection authorization. they can not furnish anything on my credit report without validating any debt with me nor without providing the above information. i will be seeking legal action
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received one letter from Resurgent Capital Services dated XX/XX/XXXX, on XX/XX/XXXX, stating I owed a debt to them that I do not recognize. However, prior to that date, I started receiving emails from XXXX from the company on XX/XX/XXXX about disputed debt. No phone call was ever received, and I never returned correspondence via email. On XX/XX/XXXX, I mailed Resurgent Capital Services via certified USPS mail, return receipt requested, that I dispute the debt, and to send me information validating said debt. My letter was signed for by XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX. Despite receiving my dispute letter, the company still emails me daily, attempting to collect a debt that I have disputed, which is against federal law. On XX/XX/XXXX, I received a letter from Resurgent Capital Services, dated XX/XX/XXXX, that they received my letter, and initiated a review. The above outlined communication is the only communication I have had with Resurgent Capital Services. On XX/XX/XXXX, LVNV Funding LLC sent reported my account as delinquent, and failed to attach any notification that I have disputed the debt, and have failed to verify the debt as per my letter dated XX/XX/XXXX, that they have acknowledged they received. LVNV Funding LLC and Resurgent Capital Services clearly violate federal collection laws, and need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying I took out a XXXX loan in XXXX I never attended XXXX in that year nor did I take a loan out in XXXX. 

I'm pretty sure my school actually closed down for good around that time