23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

To whom it may concern, I was encountered an scam that is so called home-based job part time. XX/XX/XXXX I received a message from my phone name XXXX and introduced the XXXX XXXX  that offered homebased part time job. Then from there someone connected to me through XXXX  name XXXX from XXXX XXXX that XXXX introduce the platform called XXXX. XXXX explained that the parttime works if with commision and salary with a cryptocurrency. XXXX the one that was teaching me what to do from buying cryto and working on the XXXX  platform. To start the work need to put funds to start the the working day. Once I complete the 5 days working I will be paid of XXXX plus the commision. From my bank institution we transfer money to XXXX  and XXXX. From moonpay and XXXX  we transfer the crypto currency to the XXXX  platform to start the workday. They have called XXXX XXXX that will give you more commision but it gives you negative balance that you need to covered/add funds to make it positive. Every time you encountered combo task it makes you negative more bigger and bigger amount. I funds how many time to recovered the funds I barrow from mt friends and put all I have to the platform. But it turns more and more bigger negative ammount that I end up lost of all sources and I cant recovered it anymore. XXXX want me to put more and more money that I dont anymore. I called them the customer service, XXXX, and group memebers but no one wnated to show their faced or heard their voices. That I realized I was scam and Its is to much for me realized. So I file a claim to the XXXX, XXXX, wells fargo and XXXX. And I even reported it to FBI. XXXX XXXX XXXX credited the final amount XXXX to me but the wells fargo credited provisional the XXXX. Wells fargo told to me that they cant recovered the other amount that i used in XXXX  and the provisional credit that the wellsfargo issued to from XXXX  they said they will going to deduct again in time. THe XXXX  and XXXX  cant do anything either. 
The fflowing amount and date are the ff trnasaction through wellfargo going to the ff apps. 
XXXX  to XXXX  platform : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX platform : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX I really need your help to retrieve the money I just barrowed must that amount. PLease help me. I dont know ehere to go anymore to ask for help to retrive the money.
Product: Credit reporting or other personal consumer reports

It has come to my attention that on my credit report you have an open collection for the amount of {$260.00} as of XX/XX/2024. Its also showing that there is {$260.00} past due. 
I do not owe this money. This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. 
IRS Documents such as 1099a, 1099XXXX and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule XXXX XXXX XXXX can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.
Product: Debt collection

OneMain Financial has called my grandmother & I on multiple occasions to collect debts in which we do not owe! My sweet grandmother is currently on bed rest with a XXXX XXXX from XXXX and I do not appreciate this company bothering us with unnecessary calls! The lady who called me had an unpleasant attitude when I answered the phone and had an even worse demeanor when I inquired about her identity. She proceeded to ask me if I knew the whereabouts of XXXX XXXX. This a violation of Title 15 U.S.C. 1692c ( b ) ( Communication with Third Parties ) because I have not, nor has my grandmother, consented to or authorized any form of communication with OneMain Financial. Mr. XXXX surely did not list our names or phone numbers as a references for this company to contact so I would like to know how and where they retrieved or phone numbers. After I asked the lady to identify herself again, she hung up on me without answering my question and that was a violation of Title 15 U.S.C 1962b ( 1 ) ( Acquisition of Location Information ). On XX/XX/2021, I managed to capture a screenshot of one of the calls from OneMain Financial and I will attach that photo with this complaint. According to Title 15 U.S. Code 1692k ( Civil Liability ), the debt collectors who call our phones are violating two of our rights in Subchapter V. ( Debt Collection Practices ) and should be held liable for damages! OneMain Financial Group LLC is also not registered in the State of Florida with the NMLS which is a violation of Title 12 C.F.R. 1008.103 ( Individuals Required to be Licensed by States ), so there is no way I am going to tolerate such behavior from this business!
Product: Checking or savings account

I noticed my credit card was not working so i called chase and they said the account has been closed but they could not tell me why. I tried calling a few times but got nowhere. I just received a letter saying they are closing both credit cards with them as well as my checking and savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Midland Mortgage XXXX. XXXX  XXXX Oklahoma XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX Mortgage Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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

Considering the current economic situation, I would assume XXXX XXXX XXXX ( Collection agent for Wells Fargo ) would want to Settle my debt ( which they have a judgment for ) as most consumers are experiencing significant financial hardship. This law firm fails to issue a written decline in a timely manner, but rather communicates verbally months later after numerous follow ups to avoid a paper trail. They take an excessive time to respond to requests, which is harmful to consumers who wish to clear up credit. They are fairly disorganized and state inaccurate facts, such as pursuing collection on  unenforceable wage garnishment. I dont feel this creditor is being fair and forthcoming in their dealings, but rather discrimatory and predatory, since they feel they believe they can collect via wage garnishment of {$900.00} per biweekly pay period. 

XX/XX/XXXX-XX/XX/XXXXXXXX submitted a wage garnishment to my employer to begin deducting 25 % of my disposable earnings, beginning with the XX/XX/XXXX payday. 

XXXX-I submitted a Florida head of household exemption, which invalidates this creditors request to garnish wages. 

XXXX-Attorney reaches out toXX/XX/XXXXXXXX to offer a settlement. 

XX/XX/XXXX-I calledXX/XX/XXXXXXXX and they didnt want to speak to me, as I have attorney representation XXXX 2 months later- XXXX XXXX XXXX declined offer of {$3000.00} & received a counter of {$9600.00} XXXXI drafted a hardship letter and submitted to XXXXXXXX XXXX XXXXXXXX XXXX-3 months later-XXXX XXXX XXXX  declined settlement of $ XXXX.They stated they have a garnishment order, therefore they are declining to settle for less than the Full amount owed. This is contradictory to their offer to settle for {$9600.00} on XX/XX/XXXX, which is harmful to a consumer, by asking for a higher amount than previously agreed to settle for less than full. 

XXXX My attorney submits a settlement of {$5000.00}. 

XXXX-I received a call from XXXXXXXX XXXX XXXXXXXX, which I missed. I called back and they advised they cant speak to me. I advised that my lawyer has been trying to get ahold of them for months to settle, and no one responds back to them. 

6 months later-XXXX XXXX XXXXXXXX declined the offer, but did not provide a rejection letter or any type of counter offer. They advised that the client ( Wells Fargo ) elected to continue to proceed with the wage garnishment. This makes NO sense and is inaccurate, as a Florida head of household exemption was submitted.
Product: Credit card

Fraud was committed to my account months ago through my card with Capital One, charges being made to XXXX XXXX. THe company requested information which I have provided to them to insure that it is me. I wanted to of course, get the card reinstated. The wo n't accept the information which is clearly correct. They claim it is a copy of a copy and they wo n't accept it. I 've had enough of the harassing and phone calls and if they ca n't accept the only things that I can provide which are indeed the right things, then I asked them to please cancel my card so that my risk of exposure for a card I ca n't even use that could cause a credit problem or more identity problems. They are refusing to close out my account or reactivate it even though I 've provided legitimate documents proving that it is me. I 'm asking for help to get this account closed and lessen my exposure top more fraud.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 and should be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : hard inquiry from Seventh Ave ( XXXX ) ( Finance ) - I did not authorize this transaction. I do not have the contact info for the company.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found unverifiable, inaccurate, and questionable information that your agency failed to ensure was XXXX  % accurate. This has caused me significant frustration. Additionally, the accounts in question lack sufficient validation. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), it is your responsibility to report only accurate information. The continued reporting of these items violates these requirements. I have attached copies of my previous letters for your reference. 

Please conduct a proper investigation, remove any unverifiable or inaccurate items, and ensure my report is accurate.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports The Credit Bureaus are reporting inaccurate information on WELLS FARGO. 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

To whom this may concern ; I wrote LVNV Funding LLC back on XXXX XXXX as of today XX/XX/2021 I have not received the requested documents of validation on this account their reporting that I owe {$320.00} which I have not ever had an account with them they're reporting inaccurate information on my credit report and this has caused a great deal of stress I need for them to remove this account from my credit report immediately. They have shown no proof of such debt, I've also attached return receipt They received both letters on XX/XX/2021 signed by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. 1. ) Date of last active illegal {$1000.00} violation XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX See Red marks on Attached. 2. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the XXXX as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of my right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Date - XX/XX/2020 Amounts - Unknown I received an email from Experian that my dispute had been submitted, " You have opened a dispute on your Experian credit report. '' However, I did not open a dispute. When I selected the " not you '' option on their website, it said, " If you don't recognize this activity, contact us. '' phone number is XXXX. When I called, it was just a recording and phone tree about memberships and fraud, there was no option to speak to a human or to get report an issue. So the problem is, ( 1 ) I didn't file the dispute, ( 2 ) there isn't a way to find out how or what the dispute is about, ( 3 ) Experian 's customer service is a dead end and useless when it comes to fixing a problem within their own system.
Product: Debt or credit management

The Mortgage and the Note have taken XXXX distinctly different paths. The Mortgage was never transferred. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

American Express o ffered a rewards points for spending, and paying a {$500.00} annual fee. I have had the account for over 6 months, a member of theirs f or 12+ years. When I actually tried to use the points that I accrued, they said they needed to investigate and have held them for up to 10 we eks for some arbitrary investigation. I applied and paid {$500.00} on the promise that I would receive and be able to use my points from spending.
Product: Credit card

Paypal Credit ( Synchrony Bank ) charged a {$30.00} late fee for a payment that cleared my bank on the due date. I contacted PayPal credit and the automated system refunded the late fee. This tells me that they are aware that the late fees are unreasonable to begin with. It stated that the payments should be in 7 days before the due date. If that is the case, shouldn't the due date be stated as being 7 days earlier than what is on the statement.

I find this to be very dishonest. As long as a payment arrives before the due date, there should be no late charge at all. The refund issued is find but that was only because I contacted them. If a payment needs to be made sooner, that is what the due date should reflect.
Product: Mortgage

My taxes went up by {$200.00} and it has caused me to have 2 late payments this year. I would like to have a lower payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses listed in my credit report isnt accurate and theres a lot of hard inquiries on my report that I dont recognize