23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2024 XXXX I received a call from the provided number. The number came across my phone as " suspected spam '' but answered it. 

The lady on the phone asked, " Am I speaking with XXXX XXXX? '' I confirmed by stating, " This is she " She spoke very quickly where I could not understand her and then asked, " can I have your social or birth date. '' I asked her who she was and what she needed. 

She got irritated and stated her name very quickly then said, " I am calling concerning a personal matter can you provide your birthdate. '' Not knowing if this was a scam or not, I asked her to explain what the personal matter was. 

She asked, " What was the last school you attended. '' I did not answer, still not sure if this was a scam or not, and asked her again what this was concerning. 

She stated, " If I am asking for the last school you attended you know what this is about. '' I then replied, " No, I don't, or I wouldn't be asking you what you're calling for. '' She then responded, " We aren't going away, '' and hung up on me. 

I took this as a threat to intimidate me. Especially since I had no idea as to why I got the call, who called me, or what the personal matter was at all. 

I then googled the number and saw it came from Coast Professional Inc At XXXX I called back. I told the woman I got on the phone what happened. She then explained who she worked for and what kind of business they deal with. When I told her about my encounter she did nothing about it. 

This is the 1st time this company has ever called me. I have had no correspondence with them before this nor have they ever attempted to call me before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly and prematurely reported a bad debt to all 3 credit agencies XXXX, XXXX and Equifax which was not accurate because the balance was paid and applied to NYS Pell grant. This had prohibited me and my mother of obtaining our first home purchase. Please have University to remove and report good and paid debt as soon as the law allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent by certified mail to each : TransUnion XXXX XXXX A letter to remove all records of credit that no longer has any contact with me at my current address. I attached 3 proofs of my identity with my current address. All three acknowledged receipt of said complaint but without addressing my complaint. Specifically : I do not have any other current address and I do not desire any other addresses to be retained or reported, if any now delete and provide proof of your legitimate authority to retain much less report without infringing on my consumer rights. 
Sent XX/XX/2021 And approximately XX/XX/2021 2021
Product: Credit card or prepaid card

Since the middle of XXXX I have been trying to work with Wells Fargo to reverse {$15000.00} of fraudulent cash advances on my credit card that were placed into my checking account and fraudulently taken out of my checking account via XXXX XXXX, XXXX and XXXX. 

I have filed three claims with Wells Fargo to date, provided them with a police report from the XXXX Precinct in XXXX confirming that their investigation proved that my XXXX, XXXX  XXXX XXXX and Wells Fargo accounts were all hacked to the total amount of {$25000.00}. 

Wells Fargo has denied my claims, XXXX is giving me a hard time about some charges and XXXX XXXX XXXX has two other charges they need to clear. 

I would very much appreciate the help reversing all these issues, Wells Fargo is the most pressing and the one I need help with the most. 

This is all due to my being scammed by someone who offered to assist me with paying my bills due to financial hardship, who asked for my login info, and then turned out to be a scammer/hacker and committed so much fraud, leaving me in worse financial shape.
Product: Vehicle loan or lease

I purchased the vehicle from car max in XX/XX/2021, the paper work like the title is still not registered to me and it has been over a year. I cant get a tag in my name because the car isnt registered to me but I have been making payments for over a year. Car max wants me to return the car in order to re do the paper work and that doesnt make any sense when I have already did the credit check, put a {$4000.00} down payment and now they car telling me I will have to do car buying process all over.
Product: Credit reporting or other personal consumer reports

Identity Theft someone opened CreditCard and Installment loan in my name i requested for XXXX Equifax and XXXX to remove it and verify the fraud and got no help in resolving the issue I was blocked from my XXXX XXXX to help the problem
Product: Bank account or service

Re : PNC Bank, Checking Account # : XXXX Whom it May Concern ; I have tried to work out this issue with the bank to no avail. On XXXX XXXX, 2015 I deposited funds into my account for my payment to XXXX in, the amount of {$150.00}, on XXXX XXXX, 2015 and payment to cover check XXXX on XXXX XXXX, 2015 to clear. At that time I did not realize that the payment of {$35.00} to XXXX XXXX, online banking check XXXX, had not cleared to date. 

I am a XXXX XXXX veteran suffering from a XXXX in XXXX and I have compromised short-term and long-term memory. I find it very difficult to keep track of online banking items when they do not appear in the pending section on the online statements. I think it is the statements fault that my account had NSF during this time due to the fact that it made it difficult for me to keep track of the online bill payments. I think the fees should be refunded to me. 

Furthermore, with a limited income that I receive at the beginning of the month, the discriminating bank charges multiple until I am able to reconcile my account. 

Sincerely ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.
Product: Payday loan, title loan, personal loan, or advance loan

Back in XXXX I was being charged interest and charged that was not aware of, for a personal loan for a funeral That was amount ranging from XXXX XXXX
Product: Mortgage

To the office of the Cmptroller of Currency ( OCC ) I was recommended by the U.S Department of Justice Consumer Protection Branch Civil Division of XXXX. To file a complaint with ou concerning XXXX XXXX XXXX and Carringtion Mortgage. I have proof and suspicion of fraud with these companies and I feel as if I was discriminated against by them. My home have been in foreclosure for five years since XXXX to XXXX XXXX, XXXX. We were recommended by XXXX XXXX XXXX to apply for a loanmodification to help us save our home. We applied for modifications overthree years. All of a sudden we receive a letter and a phone call from Carrington Mortage saying they want us to start mailing our mortage payments to them. We responded to Carringtonsaying We never came to an agreement on a mortage payment or modification. We were lead to believe that they wre the new owners of the property but they had no information on the property so we were lead to believe they were trying to help us to save our home by asking us our information, and we began to give them our personal information, only to find out in the end they were using our information to build their case to get the home from us. We asked them for a copy of the original deeds, and they sent us drawn up papers with our signatures that we never signed. They copied our signitures from other papers. The house was up for sale because of foreclosure Carrington then purchased the home themselves. Why would you buy a home that you already own?. We continued to live in the home, because the home was stilll in our name. Carrington then told the tax office to send our tax papers to them. Still unable to prove the home is theirs. I have proof of fraudulent use of flase documentations used against me to get my home, and contradicting every thing they 've said in the end the way thta they got my home wasw throught lying to the court saying that I did not pay taxes for XXXX. I filed for tax exemption and I was tax exempt in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I paid for XXXX using CareCredit credit card and was promised a 0 % interest over 18 months. It has been 16 months and the company has charged me 14.75 % interest on the total cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Vehicle loan or lease

In XX/XX/XXXX I bought a car at XXXX XXXX XXXX XXXX XXXX XXXX. I made my monthly payments on time. Then XX/XX/XXXX, the car broke down on the side of the road. In a matter of three days, I had to pay a little over {$2800.00} to service and repair the car. I called Avid Acceptance, the financer, and explained that I would not have my car payment on XX/XX/XXXX because I used every cent I had to get the car working. They told me that they could not help me. I made the following payments : XXXX XX/XX/XXXX XX/XX/XXXX {$460.00} {$0.00} XXXX Completed XXXX XX/XX/XXXX XX/XX/XXXX {$420.00} {$0.00} XXXX Completed I had one scheduled on XX/XX/XXXX but was unable to make that one. Now, Avid Acceptance says that I need to make two payments. They are refusing to accept one payment on XX/XX/XXXX and another payment later. My new payment is due XX/XX/XXXX. They say because it is so close to the new payment they must have both. Is it legal for them to not accept my payment?
Product: Mortgage

I applied for a mortgage with Better.com XX/XX/2020. Better.com pulled my credit report and sent me a verified letter of approval. The next day, I received two more credit monitoring alerts, showing Better was pulling my credit again. I called because this was alarming, the loan officer, XXXX XXXX XXXX # XXXX told me not to be alarmed and there was a mistake. The next day XX/XX/2020, I saw received three more alerts of credit pulls from Better.com, On XX/XX/XXXX, There was another credit pull, I called better to see what the issues what, the loan officer stated, they could not obtain my credit report and had to request multiple times. I asked why I was not contacted if there was an issue and Better could not state the reason for not contacting me. Within one week, I had my credit pulled six times with Better.com, the loan officer stated not to worry since i was looking for a mortgage, all the inquiries would only show as one not multiple. Here we are 5 months later and each inquiry from Better.com shows as an individual credit inquiry. 

In XXXX, I requested Better contact the credit bureaus to let them know of the issues so the multiple inquiries could be removed, they refused to do so, although their system had an error. 

My complaint is again Better in pulling my credit multiple times and never contacting me of the issues they were having with their system. 

I escalated the issue to XXXX XXXX | Client Success Manager with Better and the issue was never resolved, I asked for a letter from the company to provide the credit bureau for removal and other creditors and never received.
Product: Debt collection

In accordance with The Fair Credit Reporting Act. This account : CREDIT COLLECTION SERVICE XXXX {$220.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No Contracts Made with CREDIT COLLECTION SERVICE The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

( Incorrect Address )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent certified mail to this person and have my receipt to prove it. I made this person aware that they are in violation of federal consumer laws. They are reporting false and inaccurate information to consumer reporting agencies. They have violated my rights as a consumer and have broken multiple federal laws multiple times! They have had ample time to delete this account and cease reporting it to consumer reporting agencies. This person is obligated to operate in accordance with the law.
Product: Credit card or prepaid card

On XX/XX/XXXX, I authorized a deposit for moving expenses to a company named XXXX XXXX based in XXXX, centered around an interstate move from XXXX XXXX to XXXX. The deposit was {$1600.00} for a BINDING price of {$4400.00} to pack and move my residence, to move my motorcycle, and to load and move an already packed residence of my girlfriend. 

On XX/XX/XXXX, I was informed that XXXX XXXX was just a Broker and not the actual moving company. The company that would actually be handling my move was a XXXX XXXX XXXX XXXX based in New Jersey. 

They arrived at my residence and told me that it would be in excess of {$8000.00} to pack my items and move them to Florida. I informed XXXX XXXX XXXX that I had a BINDING agreement with XXXX XXXX and that it was {$4400.00}. 

XXXX  XXXX XXXX loaded the truck as I had an apartment lease and needed to have the items removed from the property. They brought them to storage in XXXX XXXX. I disputed the charge with Discover due to Fraud, deceptive practices, extortion etc. and won the dispute. I filed a report with the USDOT and the FCMSA. XXXX XXXX XXXX as a result of losing the dispute has informed me they are going to auction off my items as a result. Litigation has been threatened against XXXX XXXX XXXX and XXXX XXXX if this occurs. My attorney is XXXX XXXX in XXXX. 

The fraud the commenced was a moving scam initiated by the Broker, XXXX XXXX. They get your business by coming in with a low price. Then when the actual moving company is on site, they can charge you whatever they want. XXXX  XXXX XXXX even had the audacity to show up with a XXXX XXXX XXXX  rental truck, which only has a capacity of XXXX cubic feet, and charge me for XXXX cubic feet. This fraud has been reported to Discover and law enforcement authorities and criminal charges are pending. 

As XXXX XXXX was a party to this criminal fraud, I do not believe they should be allowed to collect on this {$1600.00} deposit. Further, as the job was not completed as one residence was not packed, the motorcycle was not packed, my items are stranded currently in a storage unit in XXXX XXXX, and they are being threatened to be auctioned off ; in no way, shape or form has the job been completed as described and it is very likely criminal in several aspects. As such, I do not believe XXXX XXXX should be allowed to charge me {$1600.00}. I ask the Consumer Protection Financial Bureau to mandate Discover to complete a more thorough, fair, and proper investigation, for the CFPB to inform them that when criminal fraud is perpetrated in conjunction to a credit card transaction, that it invalidates the charge. I thank you for your time and attention in this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

On the above date and time and had a few inquiries that has been reported to Transunion, XXXX that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting Transunion XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX Inquiry from XX/XX/XXXX + Complete XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos All these inquires are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters
Product: Debt collection

Unfortunately, I was not aware of the insurance debt until I inquired about refinancing my mortgage. I have not been contacted by the company or a debt collector. My understanding was my debt was paid in full as I was on the automatic draft payments. Another factor that may have played in the miscommunication was a move in 2019. I would like to pay the due amounts to the company and have this debt removed to correct my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date Opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several certified letters to  Lexis Nexis  disputing information on the report I obtained from them and did not receive a response back with 30 days from the first letter being sent out in  XXXX  I had also made a phone call inquiring to see if they received my complaint and the representative said they did, but I guess it was never addressed.I requested that they send me proof of a bankruptcy filing from the courts that they are trying to show on my records, which they are saying they verified with the court themselves and I called the court and was told they do not verify or report any information to any of the credit bureaus, so that information was not true. I am waiting on written confirmation from the court just to have a back up to show that they do not verify anything with any of the credit bureaus including  Lexis Nexis , so they are not telling the truth and can not provide me the proper verification.