23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After XXXX years of paying, including accelerated prinicipal payments, we applied to transfer the loan to my daughter and her husband. They completed the application to transfer the loan and Nations Direct instead of processing the application, transferred the loan to a debt collecting mortgage company. Our mortgage account # is XXXX with Nations Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. The new account is with XXXX XXXX loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Account XXXX is {$260000.00} We call XXXXXXXX XXXX and they said a new application needs to be completed.
Product: Debt collection

Sears has an old debt reporting on my credit that was paid off in XX/XX/XXXX from back in XX/XX/XXXXand l used a consolidation service to pay off all debts. Sears agreed to a settlement of the account and we paid the amount but now they are saying I had another account which I did not. Now from my understanding from being on the phone with them for many hours, is the account is too old to do anything but send a check to an address and they will not accept the settlement letters or remove it from my credit. Please help me remove this from my credit.
Product: Debt collection

Why does an inquiry for klarna/XXXX ( XX/XX/2021 ) appear on my credit report ( XXXX )? Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. Sincerely
Product: Mortgage

I have an existing mortgage with Chase that I have been trying to refinance since XX/XX/XXXX. All the required documentation was submitted within 10 days, and according to the web portal, we have been cleared to close for at least two months. They do not respond and do not return phone calls. I have tried to pull the plug on the process - asked them to refund the {$500.00} application fee, and they just do not respond. I could have done this through anyone else and closed two months ago. Chase has in effect cost me several thousand dollars with their incompetence. I do n't expect anything to happen, but other consumers should know to go elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im challenging the incorrect with XXXX XXXX XXXX from my credit report Where you have clearly violated the law and have put on my credit report erroneous, obsolete and inaccurate information that is affecting my from getting a loan for my health condition XXXX XXXX XXXXXXXX I wanted to be removed it from my credit report immediately I report case to the general attorney of New York for help
Product: Vehicle loan or lease

On XX/XX/2020, I signed a lease contract with Audi Financial Services ( " AFS '' ) to lease a vehicle for 36 months. The contract stated an agreed monthly payment stream of {$510.00} for the 36-month lease period. My cash due at signing was {$4000.00}, this included my first month payment of {$510.00} for XX/XX/2020. On XX/XX/2020, I received an email from AFS notifying me that my next monthly payment for XX/XX/2020, is {$510.00} instead of the negotiated monthly contract of {$510.00}. I proceeded to look into my account history with AFS and noted that my previous XX/XX/2020 payment was also drawn at {$510.00} instead of the {$510.00} negotiated contract payment. The Audi dealership and AFS were both contacted at multiple instances once this error was discovered ; however, they were unable to resolve the issue although they confirmed my lease contract documents did note a monthly payment of {$510.00}. On XX/XX/2020, I made aware to the individuals from Audi that I am currently employed as a XXXX XXXX   XXXX XXXX XXXX XXXX  and what they were doing was illegal. In addition, I told the individuals that I would be filing a formal compliant with CFPD.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : XXXX. XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Equifax ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to Equifax.
Product: Checking or savings account

On XX/XX/2018 at XXXX XXXX  I received a phone call from a local XXXX area code from a woman claiming to work at M & T bank. She let me know of some suspicious transactions on my checking account, and asked if I had made these purchases. I let her know that I did not and confirmed that I wanted my debit card suspended. At that time she verified my mailing address to have a new card shipped out. I checked my bank account following this and saw 4 separate deductions all around the amount of {$97.00}, three right in a row and one shortly before this. The conversation led me to believe an issue had been identified, but had comfort in thinking this was being handled and resolved. 

On XX/XX/2018 I called to inquire on the status of the debit card and fraudulent transactions and was told that the debit card had been sent, but to the wrong address, and that nothing was happening with the charges.The representative was not able to see the initial conversation and didn't seem to know what I was talking about. After several minutes, I was told that I had to come into a branch to request a new card be sent and that I would receive paperwork to dispute the charges within 90 days.I did this shortly after the phone call and was told a new one would be here by Friday. Today in checking my account I saw that another 2 fraudulent withdrawals are pending. As of now, there are 6 charges all ranging around {$90.00}, plus 7 {$2.00} " international fees '' from the " XXXX '' and " XXXX XXXX  '' company. This totals XXXX. I've been told that I can have a " credit '' for the amounts taken until the bank is able to resolve the dispute. This was good enough until two additional charges somehow processed. This should not have been possible, so I'm not sure at this point how many mistakes have been made by M & T, but it's clear that they've made numerous. 

This entire situation was severely mishandled, if handled at all and I am truly appalled by this. I've been a loyal customer to M & T for years, but now feel that if they can't protect a few hundred dollars in my checking account, they can not ensure the safety of the large sum of money I have with them in savings. This started with M & T going out of their way to notify me of suspicious activity, but has resulted in extreme inconvenience because I now, for some reason, have to manage the entire situation. 

All accounts will be closed from M & T ; they have lost a valued customer because of this horrid example of professionalism and protection. We are looking to purchase a home and considered M & T as a potential lender, but now have absolutely no desire to entrust our finances with this entity. I will ensure that everyone I speak with knows the poor quality of data protection and security M & T provides.
Product: Credit card

On XX/XX/XXXX or so, I requested a cash advance from a Bank of America credit card for {$5000.00}. It was received into my XXXX XXXX checking account on XX/XX/year> ( as a direct deposit ). On XX/XX/year>, Bank of America did an auto pay, automatic withdrawal from my XXXX XXXX checking account for {$5200.00}. ( this was payment in full, representing the {$5000.00} I had borrowed plus {$200.00} which was the cash advance fee @ 4 percent ). When I found out that this happened, I was very upset, as I needed the money. I called Bank of America and explained I needed the money. The customer service agent said " no problem, we can refund you the funds ''. Great. Then she suggested that I pay the minimum amount due for the XXXX payment, and that they could refund me the difference. That amount was {$5100.00}. I said sure, and then asked how long to get the money back into my account? She said I should see it within XXXX business days. Again, great. It never showed in my account. I have called at least seven times trying to find out where my money is. I even received a letter from Bank of America, stating they were refunding the money to the same account ( at XXXX XXXX ). This letter was dated XX/XX/year>. BUT STILL NO MONEY! I called again. I asked when the money was sent. I asked if there was some type of transaction reference number. I got no answers. I got a reference number that I was told I should give to XXXX XXXX. They said that number meant nothing to them and assured me Bank of America never sent anything to my XXXX checking account, and I needed to deal with Bank of America on this. XXXX!!! 
I finally went in to a branch yesterday ( XX/XX/year> ) and spent an hour and a half with a branch customer service person AND the bank manager, and they STILL could not help me find out HOW and WHEN the money was supposedly sent back to my account at XXXX XXXX. Meanwhile, Bank of America is showing that I owe them money I don't have!!!. I had to make another minimum payment on XX/XX/XXXX. So, at this point I have paid them {$5200.00} + {$52.00} + {$51.00} total of {$5300.00} .... and Have no money to show for it. 
There must be some way to resolve this. PLEASE can you help me?
Product: Debt collection

I HAVE BEEN TRYING MY BEST TO RESOLVE THIS ALLEGED DEBT WITH THIS COMPANY AMPT AMOUNT OF TIMES! I HAVE BEEN LEFT WITH NO RESPONSE OVER AN OVER AND OVER AGAIN. I've NEVER done business with CREDIT COLLECTION SERVICES AND IM NOT SURE HOW THEY GOT THIS ACCOUNT NUMBER XXXX! I HAVE COMPLETED A THOROUGH research & they're INDEED a debt collector whose FALSELY attempting to collect a debt that DOES NOT BELONG TO THEM. I've requested that CREDIT COLLECTION SERVICES provide proof of this alleged debt. 

WHEN I SAY " PRROF '' THAT MEANS THE ORIGINAL APPLICATION/CONTRACT, NOT SOME COPIES THAT THEY BOUGHT FOR PENNIES BUT A INSTRUMENT BEARING MY SIGNATURE WITH CREDIT COLLECTION SERVICES. 

TO ADD please provide the contract signed between CREDIT COLLECTION SERVICES AND PROGRESSIVE, INCLUDING a notarized and sworn under penalty and perjury for CREDIT COLLECTION SERVICES to have the ability to collect this alleged debt. Debt collectors/ BUYERS are not creditors, therefore they're in violation of FDCPA. Please also provide to me where it states debt collectors are able to collect debt that aren't theirs. They are being WILINGFUL non compliant. This is inaccurate reporting! According to 15 USC 1681e : Compliance procedures ( b ) Accuracy of report 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 PLEASE PLEASE DO YOUR DUE DILIGENCE.
Product: Debt collection

In my initial complaint to CFPB, I explained that XXXX and XXXX had sent several of my accounts to XXXX  XXXX for collection. Most were already in payment, as I had previously agreed with XXXX XXXX XXXX One was for {$440.00}, an amount for which I had never received any bill, despite two requests for same and two promises by XXXX XXXX XXXX employees, who said they would send the bill. I never received any bill from XXXX XXXX XXXX but through CFPB I received the necessary information, wrote the check for the full amount on XXXX XXXX, and noted that the check was posted to an account at XXXX XXXX  on XXXX XXXX. This same amount has once again been placed in collection- with different agency : Professional Claims Bureau LLC, in XXXX NY. Obviously the billing process at XXXX XXXX XXXX leaves much to be desired. Please have them remove this amount from " collection '' status, as it has already been paid to their bank account, and debited from mine - 14 days prior to the date of this latest notice from PCB.
Product: Money transfer, virtual currency, or money service

I had an account at coinbase with a cryptocurrency value of XXXX XXXX the fund disappeared and they did an unauthorized transaction with XXXX $ from my bank account and when reported it the account was locked and I am not able to retrieve it even with ID verification, no response from customer services after i opened a Case # XXXX, no one getting back to me.
Product: Credit reporting or other personal consumer reports

My information was compromised under data breach and fraud will like items removed from my Credit The credit laws under 15 U.S.C. 1681 are part of the Fair Credit Reporting Act ( FCRA ), which is designed to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). Below are the key provisions of this law : 1. Consumer Rights Under the FCRA The FCRA provides several rights to consumers, including : Access to Information : Consumers have the right to request and obtain a free credit report from each of the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) once every 12 months. 
Right to Dispute Information : If a consumer finds inaccurate or incomplete information, they can dispute it with the CRA, which must investigate and correct or delete any inaccuracies. 
Notice of Adverse Actions : If a consumer is denied credit, employment, or insurance due to information in their credit report, they must be informed and provided the name and contact information of the CRA that provided the report. 

2. Responsibilities of Credit Reporting Agencies Accuracy Requirements : CRAs must maintain accurate and up-to-date information in consumer credit files. 
Duty to Investigate Disputes : When a consumer disputes an item, CRAs are required to investigate the claim within 30 days and correct any errors. 
Privacy and Security : CRAs can only share a consumers credit report with entities that have a legitimate purpose, such as lenders or employers ( with the consumers consent ). 

3. Obligations for Furnishers of Information ( e.g., creditors, lenders ) Reporting Accurate Information : Entities furnishing information to CRAs must ensure the data is accurate and update or correct it if inaccuracies are found. 
Responding to Disputes : They must investigate disputes forwarded to them by CRAs and provide timely corrections if errors are discovered.

4. Employment Screening Limitations Employers must obtain written consent from a consumer before accessing their credit report for employment purposes.

5. Identity Theft Protections Consumers can place a fraud alert or credit freeze on their credit reports to protect against identity theft.

6. Statutory Damages for Noncompliance Civil Liability : Consumers can sue for actual damages, statutory damages ( up to {$1000.00} ), and punitive damages in cases of willful noncompliance. 
Government Enforcement : Federal agencies like the Consumer Financial Protection Bureau ( CFPB ) or Federal Trade Commission ( FTC ) can enforce compliance. 

7. Special Provisions for Medical Debt, Tenant Screening, and More Recent amendments to the FCRA have added protections, such as limits on reporting medical debt and additional rights for tenants being screened by landlords. 

For detailed provisions, you can review the statute directly at 15 U.S.C. 1681.
Product: Credit reporting or other personal consumer reports

I have unknown hard inquiries on my report that is affecting my credit score I called several times and wasnt able to reach anyone about the matter
Product: Debt collection

This company has harrassed me with calls and threats about an alleged debt after causing personal injury to my credit report without written consent. I have sent them certified mail in attempts to cure their misconduct first notice on XXXX XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX, second notice on XXXX XXXX. Nemos Collections never supplied any proof of the debt and did not comply with Hippa Regulations along with excessive calls and threats. I have supplied a copy of a call from them which is attached on XX/XX/2022. 


A HIPAA violation is a failure to comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. 

TCPA violations can often be combined with FDCPA violations, as a debt collector may use an automatic dialing system to call your cell phone in order to collect a debt. The statutory penalties for a violation of the TCPA are {$500.00} per violation and up to {$1500.00} per violation for a purposeful violation. 

The FDCPA at 15 U.S.C. 1692d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. 1692d ( 5 ) specifically forbids a collector from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Checking or savings account

XXXX I opened a cd /ira account at wachcovia bank in the amount ; XXXX : to be invest stocks and bonds for XXXX  yrs went to bank locations/XXXX NC went was out of business bank don't notification me or transfer funds
Product: Checking or savings account

I applied for a hardship withdrawal from my XXXX through vanguard.I have been waiting two weeks for this process to be completed.I spoke with anXX/XX/XXXX to activate this transaction.I checked my account balance on vanguard website and thought the fund have been deposited.They were not because the initial agent who processed the request, did n't not put my account number in correctly.I spoke vanguard about this issue on XX/XX/XXXX.The agents stated that they can not add the last digit that was missing on my account.They stated that it would be 3-5 business days to reject the request.They stated that it would be an additional 7-10 business day to get my check.my closing date was scheduled for XX/XX/XXXX and will be delayed because of this issue.Total I have 3 weeks total to complete this process.
Product: Credit reporting or other personal consumer reports

TransUnion, Please see below and attached - there was a fraudulent hard credit inquiry pulled due to identity theft that needs to be removed as soon as possible : XXXX XXXX XXXXXXXX
Product: Credit card

I KEEP GETING CALL FROM OPERATING PARTNERS CO, LLC, TO MY JOB PHONE NUMBER AND THIS IS THE XXXX COMPLAINT FIRST XXXX IS # XXXX
Product: Debt collection

I am writing to file a complaint against Wakefield & Associates and XXXX regarding the handling of an alleged debt on my credit report. Despite my efforts to dispute the debt and seek verification, both entities continue to report the debt without providing the necessary proof of its validity. 

Details of the Complaint : Wakefield & Associates : Account Number : XXXX Alleged Debt : Medical in nature Date of Dispute Letter : XXXXXXXX  Violations : Failure to provide verification of the debt within the mandated 30-day period. 
Continuing collection activity without proper validation. 
Possible false representation of the debt. 

XXXX : Account Number : XXXX Alleged Debt : Wakefield & Associates, Account Number XXXX Date of Dispute Letter : XXXX Violations : Failure to conduct a reasonable investigation into the dispute. 
Reporting the debt as verified without providing proof of its validity. 
Failure to update information accurately.
Product: Mortgage

My mortgage was initially with Bank of America. In 2007 Bank of America transferred our mortgage to XXXX. In checking my credit report. My mortgage is being reported as XXXX times 90 days late in 2007. Our mortgage was never late!!! We paid Bank of America on time each and every time. They or XXXX is falsely reporting this. Also, it is listed in 2007. When XXXX got the loan they began charging us approximately {$690.00} per month in PMI on a XXXX dollar mortgage. This has to be against the law and unethical at least, price gouging a consumer. I have tried numerous times to get this straightened out with XXXX but never get anywhere. I feel we are being held hostage by this mortgage company who then just in the last two months has transferred our loan again to someone called XXXX. I have asked for our original mortgage documents, they said they would send them but I have not received them. This has been one month ago. I had never seen the late reporting from Bank of America until we went to our credit union to refinance our mortgage because we ca n't afford the payment which continues to go up and is now at {$1900.00} per month because of the PMI. Our loan officer at the credit union could n't understand why my credit score was in the 600 's until she kept looking and found the 90 days late for XXXX times being reported from Bank of America!!!! Help!!! How can I get this removed, it is false and damaging information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit report from an unidentified collection agency. When attempting to dispute the incorrect information, the lender has no record of balance being owed. The information on my credit report does not identify the agency that placed the collection item on my report and Equifax is not providing information. As such, I would like the information removed completely.
Product: Consumer Loan

On XXXX XXXX, 2015 I received e-mail from CashCall offering a settlement on a loan I had due to them with a XXXX time payment of XXXX. I am attaching the e-mail in this correspondence. I spoke with my family and they were going to provide the amount so I could settle the debt. 
I called CashCall and said that I wanted to settle based on their e-mail. They were to move forward and provide the documents necessary to do this. 
Follow-up calls were made and nothing ever happened. 
After a period of time I called CashCall again. This happened on XXXX XXXX, 2015. They said that I would have to deal with a new contact. This new contact was XXXX XXXX XXXX. The number given to me by CashCall was XXXX XXXX. I was to call them from this point on. I called this number I spoke with someone who would only identify himself as XXXX. XXXX said he represented XXXX XXXX XXXX. XXXX said that everything was transferred to XXXX. Their number was XXXX XXXX XXXX. I then called this number. They took down my contact information and said that someone would get back to me. I received a call from XXXX XXXX. He said that he works for the XXXX XXXX XXXX XXXX. He was calling from XXXX XXXX. He said that the offer is not available and I will be dealing with him now. He demanded payment of approximately {$5000.00}. He said that if I did not pay, he would take legal action and sue me. He said that he would put a lien on my house and levy my wages.