23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So I moved in a XXXX XXXX XX/XX/XXXX I fulfilled my lease and and stay for about XXXX years so it was getting close to time for me to renew my lease but I informed my office that I had feel very ill due to XXXX and I will not be renewing my lease so, so in about XXXX or so of XXXX when my lease was coming to a end my now fianc had us a house and so I started moving but stuff from my unit slowly because I did not have to be out of the unit so XXXX day i arrived home and my carpet was tore up with XXXX in my sink no call or letter from office as to why my unit was accessed so when i finally spoke with XXXX she stated oh there was leak and mantaince had to come in so i inofrmed her i am ok with them coming in but as far as place trash in my kitchen sink that is nasty and why would they leave it there so she apologized XXXX times nobody still never removed the carpet and trash out so i at this point am just ready to move so i continued slowly moving my things i also continued paying my portion of rent and housing paying the remainder so i emailed XXXX and asked her how much was last month of rent and she stated prorated is XXXX so i paid my XXXX month turned my keys took pics and did my walk thru now here it is XXXX years letter and i get a bill from XXXX XXXX XXXX XXXX stating i owe and balance of XXXX i reached out to creditor who by the way was very rude so and i also tried talking with nanacy but at this point im livid bc why do i have a balance if i am on housing and have emails that stated my move out was perfect i owe no balance and nobody can tell me why and this is now affecting my life and i need this corected immediately because i do not play about my credit and its damaging my life at this point especially when no one can give me a dirrect answer also might i add i also emailed the coporate office over the apts as well
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Prepaid card

I purchase a item the item was cancelled the store sent the money back to the card and now the company says My account has been closed due to a fraud investigation this has been ongoing for about XXXX months now when in fact me and the merchant called and talked with someone.I heard nothing from them in regards to my account, I have to keep calling them with no response besides call XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the ONLY Credit Reporting Company reporting false information!!!!! 

I have not ever been late on my XXXX XXXX XXXX XXXX nor my XXXX XXXX. 

This was previously corrected and added back for some strange reason. They said they were going to investigate AGAIN but did n't get around to it. As a result I was denied a loan based on LATE PAYMENTS!! Not FAIR! 

Inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.
Product: Mortgage

I discussed refinancing my FHA mortgage loan with Quicken loans. I asked what the cost of the loan would be. I told the loan agent that I did not want closing cost of more than {$5000.00}. XXXX XXXX stated that was workable. When I got the loan papers my closing cost were {$20000.00}. {$11000.00} was loan origination point. She never stated there was a point. I asked her what her fees were I believe it was {$690.00}.
Product: Consumer Loan

I banked with wells fargo for 7 years, I had a credit rating of XXXX, I was married and my wife had a credit rating of XXXX. We applied for a small business loan of XXXX, we were going to co-sign. They denied us. We had combined income of XXXX per year and a business plan and experience. Fast forward 7 years later. I applied for a auto loan of XXXX dollars, this time with a credit rating of XXXX and proof that I was to receive XXXX dollars from a social security settlement and proof of income every month. They denied it, saying that my credit was too low.
Product: Debt collection

On XX/XX/2021 XXXX XXXX XXXX alleges that I made a purchase of {$56.00} at a grocery store. I didn't shop at any grocery store on that date. I communicated this to XXXX XXXX XXXX. My checking account was debited for the charge anyway. I closed my XXXX XXXX XXXX account on XX/XX/2021. On XX/XX/2021 I initiated a dispute against the XXXX XXXX XXXX charge with my bank. XXXX XXXX XXXX was not able to validate the charge with my bank therefore I won the dispute & the charge was reversed. XXXX XXXX XXXX reopened my account without my permission, unsuccessfully attempted to debit my account, and has since spammed my email inbox demanding that I pay {$56.00}. My XXXX XXXX ends in XXXX.
Product: Debt collection

Grant Mercantile Agency Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. 

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 above.
Product: Debt collection

On XX/XX/XXXX, Columbia Debt Recovery LLC dba Genesis LLC sent a collection letter that I received by email. I do not recognize this debt and sent a validation letter by certified mail on XX/XX/XXXX requesting verification of the debt owed. I stated clearly in my letter that I was disputing the collection on my account. I received the certificated mail receipt proving that Genesis LLC did receive my letter on XX/XX/XXXX. On XX/XX/XXXX, my credit account was reported on by Genesis LLC. My credit score was negatively impacted because of this. I have yet to receive validation of the debt from Genesis LLC. I was proactive and sent my validation/dispute letter within 30 days of the timeframe given, but I have yet to receive any documentation. Genesis LLC should have marked the debt as disputed on my credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Genesis LLC continues to reach out to obtain the debt even after acknowledging that they received my letter. Specifically, on XX/XX/XXXX, Genesis LLC called me at XXXX XXXX  ( MST ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent equifax a letter And an FTC report on XX/XX/XXXX. 
The inquiries were clearly stated in the ftc report. 

On XX/XX/XXXX - 4 of the items from my FTC report were deleted due to dispute. 
They left the items reported on my FTC and on my credit profile. 

On XXXX -I called Equifax about the inquiries that were left on my report but were disputed on FTC.. and they are saying that they can not tell the date of the inquiry when the date of the inquiry date is on credit report. I have asked them to delete the items by law. They deleted 4 without having dates on FTC report as mentioned on XX/XX/XXXX ; but now are making up rules that the other inquiries that were disputed need dates on the FTC report when they the dates are on the credit report. 

XXXX XXXX XXXX XXXX Were the employees I spoke to on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report with XXXX XXXX, XXXX, and Equifax, and noticed that my personal information is not 100 % accurate. I want my personal information to be updated and reflected on my credit report accurately upon receipt of this complaint. Please see attached.
Product: Mortgage

Hi, my name is XXXX XXXX and I had Wells Fargo as mortgage company when I bought my XXXX XXXX XXXXXX/XX/2010. 
Will I be part of the cilvil suit, can you look me up
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I bought a full bitcoin on Robinhood. On XX/XX/XXXX, I sent {$2000.00} of my bitcoin to my private wallet on a different exchange and then Robinhood froze my account. I provided tons of information that they requested like -why did you send the money to the exchange -bank transactions of where MY money came from - uploaded my Drivers license and my photo As of today they permanently banned my account that I had since 2018. Saying I violated the customer agreement even though I asked how did I violate the agreement if all I did was buy crypto and send it which are both services that they offer. And they refuse to give me the details on how i violate the agreement and sending my assets back
Product: Credit reporting or other personal consumer reports

I entered into a repayment plan with XXXX XXXX as part of an agreement to bring the amount due to XXXX.

The payments were done monthly as a agreed via my XXXX Account. 

In total the agreement was XXXX  monthly payments. 

XXXX payments later, or XXXX months before the account was to be paid full, I received notice that my account was now in collections. 

I contacted XXXX XXXX and indicated that I was just XXXX months away from paying the account off in full, and they agreed by phone to continue accepting the payments and then to report it as such-and in good standing. 

I noticed on my credit report that it has been listed as settle for less than paid in full, last month. I contacted XXXX XXXX to inform them the account was paid in full as agreed and the representative told me she would update the account accordingly. 

I also filed a dispute with the XXXX credit bureaus regarding the incorrect reporting by XXXX XXXX. 

Now on my credit report is has been updated to a charge off. When I paid as agreed. Have proof of payments via my XXXX statements, and an email from XXXX XXXX indicating successful receipt of payments. 

It's unfortunate and disappointing how XXXX XXXX went about doing business. Even more so, to lead clients on regarding payment plans and credit reporting when done as agreed to then give the harshest report when it was repaid as agreed. 

It is not worth the effort to negotiate a full repayment with XXXX XXXX if as agreed it is identified as a charge off. It's best to not repay, let it go to collections and then offer to settle at pennies on the XXXX-for the impact a full repayment plan listed as charge off can impact your credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 WorldRemit money transfer from the app to my bank account in the XXXX. I have called the customer service many times and they always say there is an error or internal issue with the local partner. I spoke to the XXXX of the customer service team she has done nothing and can not resolve the issue. This is more than XXXX days from the receipt and according to it I can file a complaint for a refund. The WorldRemit has been keeping my money. The app is still saying processing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I had went on my cash app to do a normal check and noticed that my money was gone from my account, I looked to see where the funds went and immediately contacted cash app and also requested a refund from both parties that I did not know. My XXXX XXXX XXXX minor son have gain access to an old device that I did not know my cash app was attached too further more I have a code on my cash app that has to be put in before any funds is sent out so Im not sure how it happened. Once I contacted cash app they told me to request the funds to be returned from each party my son sent out money to, only one out of two return the money. I put in multiple disputes with cash app and was denied my money back from this stranger and was told to get it back on my own which is impossible cause I dont know this person nor do I have any contacting info.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX City, State Zip XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, PA XXXX Account number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal Law. 


Yours Truly XXXX XXXX, XXXX XXXX All Rights Reserved )
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

A direct deposit was loaded on my pay pal account and they limited my account after I sent in the proper documents and then permanently closed it with a 180 day hold and I still havent been able to get the funds and its been over 180 days
Product: Credit reporting or other personal consumer reports

I feel really let down by them for making me go through this. I want the company to remove this as quickly as possible from my credit record. Absolutely not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account number XXXX with XXXX XXXX a debt collector, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Prepaid card

Bank of America XXXX card claim : XXXX {$7500.00} XXXX {$3300.00} XXXX {$870.00} XXXX {$6500.00} My claims for my money because my purse was stolen police were contacted by XXXX XXXX XXXX at XXXX, XXXX XXXXXXXX XXXX XXXX XXXX but no police report made on my behalf XX/XX/year> I was hospitalized hence it took so long to file claims on a conservatorship. All transactions are fraudulent at ATM 's, online, and in stores not made by me or anybody I know please kindly help me obtain my refund I think a bias and disgruntle employee in the back office is denying my claims the same day they are received by mail within hours! I am hung up on when I call as well numerous times I've faxed information numerous times previous claims were paid same time frame so please help. Thank you, XXXX
Product: Credit card or prepaid card

In XX/XX/2020 I've placed an order on Amazon website from a third-party seller XXXX XXXX XXXX for XXXX XXXX XXXX Music Player fro the amount of {$3800.00} and used my Visa XXXX to pay for this amount. The package was delivered to my address in XXXX XXXX, NY, however the condition of the item wasn't as described - unit wasn't powering on and I couldn't receive any customer support from the seller, therefore I've requested a return due to the item arrived wasn't in the condition as described. Seller provided me with the return information and the item was successfully returned via XXXX XXXX XXXX XXXX XXXX as of XX/XX/2020 and I've received an email from Amazon with statement 'Once XXXX XXXX XXXX receives the item below, we'll issue a refund to your original payment method '. However, I haven't received a refund and filed a billing disputed. For your convenience, I've enclosed all the supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report on XX/XX/23 I recognized XXXX accounts that violate XXXX  XXXX XXXX XXXX ( XXXX ) ( XXXX  ). XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX I requested an investigation into this matter no one contacted me with any evidence to validate these accounts. Furthermore the information is inaccurate as well. I have included evidence that will show how these accounts are furnished improperly.
Product: Credit reporting or other personal consumer reports

I am not associated with the creditors listed, and these inquiries are not mine.
Product: Mortgage

I have applied for and closed on my residential mortgage loan with TD Bank. I was provided a loan estimate on in XX/XX/XXXX and again on XX/XX/XXXXand closing disclosure on XX/XX/XXXX without New York State and XXXX XXXX XXXX  property transfer taxes disclosed to me. Section E of the Loan Estimate was disclosed on all of these documents to be {$70000.00} which was sum of all transfer taxes. I received a revised closing disclosure on the evening of XX/XX/XXXX with {$27000.00} of property transfer taxes added. This was the evening before closing! I closed my loan onXX/XX/XXXX. This disclosure was provided less than 24 hours prior to closing. It is also my understanding that New York Real Estate Transfer taxes must be disclosed on the original Loan Estimate and can not be redisclosed ; and certainly not less than 24hrs prior to closing. This was a shock to see the additional required funds for closing and it amounted to {$27000.00}!!! I contacted my loan officer via email and phone on the evening of XX/XX/XXXX and again in the morning of XX/XX/XXXX before and during closing which was scheduled for XXXX. She would not respond to any emails and did not pick up/return my calls. I was forced to close under duress as this was a home purchase and I had movers already packing my current home and family in transit to the new property. My most recent contact at TD Bank was XXXX XXXX, Ops Manager ( XXXX  ) XXXX and XXXX XXXX  in Operations ; neither of them expressed any interest in addressing the matter. My attorney drafter a letter onXX/XX/XXXX to XX/XX/XXXX ( Chief Risk Officer ) and XX/XX/XXXX ( General Counsel ) at TD Bank at corporate headquarters with all of my supporting documentation and requested a prompt reply. It has been over a month and we have yet to hear back. I am livid that any lender, especially one of TD Bank 's size can operate in this manner. I was provided disclosures on the eve of my purchase transaction with an additional {$27000.00} out of the blue and when questioned, nobody would return an email of phone call. When i continued to request to speak to management, I was connected to a sales manager to told me TD Bank did nothing wrong and that's all they could say and would not elaborate. Absolutely horrible for TD Bank to operate in this manner! After speaking with my attorney, i understand that this type of transfer tax can not be added as a change or re-disclosure, again certainly not on the evening before closing! For a bank to disclose this large sum with no explanation at the very last minute is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Money Source has reported to the credit bureaus that I was 30 days late on my XX/XX/2020 Mortgage payment. I was not 30 days late on my XX/XX/2020 payment. The Money Source has even confirmed this information. However, The Money Source has not contacted the credit bureaus to correct the error as this is the most efficient way to fix the error and get in compliance with the FCRA. My XX/XX/2020 payment is showing 30 days late on both my XXXX  and XXXX  report. This needs to be updated as on time ASAP. This error in reporting is causing a delay in my new mortgage application. All The Money Source needs to do is contact XXXX and XXXX and update the XX/XX/2020 payment as on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

In XXXX of 2014, we fell behind on our mortage payment with Seneca Mortgage Servicing, LLC. They stated we were 2 months behind after returning a month 's payment stating they will only accept the entire amount due, which was approximately {$2400.00}. Prior to this, they had sent someone to our home representing Seneca, took photos of the outside of our home & left a notice that they plan to begin the forclosure process. We contacted them the next day ( XXXX 2014 ) and they initiated a repayment program where we would put {$1200.00} down and add an additional {$200.00} a month to our mortgage payment for the next 6 months, which we did complete. On the 7th month, we called to make our payment and they informed us, we now owed {$3900.00} & were still 2 months behind. In the interim, they had never sent us a copy of the agreement/amortization despite several requests. The account manager could not explain where my additional {$2400.00} in payments were applied. I demanded a copy of the repayment plan and they sent XXXX they created 5 days after my phone call, which did not have not the original terms and the terms showed what they now claimed was the terms. The agreement phone call should have been recorded and they could obtain the details from that, but have not. The asset manager does not return calls and the account manager asked me to " stop talking '' when I was disputing the issue. There has been no resolution and we are afraid they will be agreessive with forclosure threats again.