23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During the week of XX/XX/2022 I have received multiple calls from the Mirand Response Systems which is based in XXXX, I reside in XXXX The representatives that have contacted me on several occasions have been repeatedly XXXX and XXXX. I have asked several times to have any information sent to me in writing via mail and the representative 's response was did you hear what I said ; at which time I requested to speak with her supervisor. She placed me on brief hold followed by a woman by the name of XXXX XXXX getting on the line at which time I informed her that he representative was extremely XXXX to me when I asked that any communication be sent to me in writing via mail ; then XXXX XXXX became extremely XXXX and I politely asked to speak with her supervisor and she stated that she does not have a supervisor and I stated that everyone has some in command above them, XXXX XXXX then stated that her supervisor was not available I requested to have the supervisor 's name and phone number or be transferred to her voicemail and was informed that I could be transferred. XXXX XXXX then hung up on me. I called back and spoke to a gentleman and when I asked to speak to the supervisor in charge of XXXX XXXX he then stated that he would transfer me to XXXX XXXX which I responded with I have a complaint against XXXX XXXX why would I want to be transferred to her and I am requesting to speak with a supervisor why is this such a difficult task.
Product: Checking or savings account

On the day of XXXX, XXXX, XXXX, I received an email from Chime bank notifying me that my account has been suspended. After complying with numerous requests to verify my identity, two months later I received an email " terminating our relationship ''. Contacting this institution is sysiphissian. The only people with authority to speak on the matter are email only and the last ten emails have been automated response. I have done nothing but comply to their requirements. I was entitled to UEI, which was fine for the first few weeks. Then I received a lump sum for back pay, 12 weeks and this is my current situation. Currently I'm in the XXXX to be married. I left the XXXX of XXXX. Received my last UEI payment XX/XX/XXXX. Have not collected it while overseas. The inconveniences, distress and trouble this situation has caused in my life is immeasurable. I chose post taxed deposits. As - XXXX $ XXXX. XXXX $ XXXX. 

XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ final payment. 
Balance at closure XXXX XXXX 

Any information you need in this matter I will be happy to provide. Thank you for your time. 

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

Transunion have injuries on my report that I didn't do. I even called car place and they told me it's nothing the can do. Inaccurate info on report. Etc
Product: Credit card or prepaid card

I paid {$41.00} for a minimum payment on XX/XX/XXXX and {$47000.00} for tthe whole posted balance on XX/XX/XXXX for XX/XX/XXXX XXXX, which has {$400.00} of a new balance due XX/XX/XXXX. But I was charged {$8.00} for " interest charged to standard purchase '' on XX/XX/XXXX XXXX ( see my XX/XX/XXXX and XX/XX/XXXX Statements ). 
I asked them how to calculate their interest charged at {$8.00} for one day delay with the remaining balance at {$360.00} and standard puchase interest rate at 20.24 %. They rejected. I claimed it was a fraud. I attempted to file a complaint in their internal web site online, but XXXX XXXX XXXX does not work though listed there. Their receptionist refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX and TransUnion a personal information update on XX/XX/2019, and they have yet to update and correct my personal information. All of my information is the same and have never been updated as requested.
Product: Debt collection

Im having false charges from XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX With XXXX XXXX I had signed up through XXXX and the agreement was $ XXXX/month but after the 2nd month the cost/month was {$90.00} and we didnt agree to that amount I have equipment of theres Im willing to return as long as postage is paid and Im incapable of getting their dish off of my roof is the other issue With XXXX & XXXX we bought cellphones from them and had cellphone service where the rates were changed on us as well The amounts they have of what amount I owe is much higher than what it should be
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights was violated under 15 USC 1681b ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Transunion and the return receipt number is included in the Letter.

I have sent them letter after letter and they have not removed any of the information that I have made them aware of being fraudulent. 
I am submitting the other letters as proof of me having sent the letters. the only letter that is notarized is the final letter stating that court is going to be the next course of action. XXXX has promptly deleted all information that I have requested of them and we are in the dispute settlement process as we speak.
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit card

I received a letter from Wells Fargo XXXX XXXX OFFERING me an increase on my card and stating all I had to do was call the number ... XXXX ... to answer a few questions. Little did I realize what would result. The rep asked my income and I told her. It is higher by about {$5000.00} than when I got the card. The letter states : your account must be open, in good standing, and your credit limit must not have changed in the past three months. '' Great ... that 's me. A person named " XXXX '' or " XXXX '' said, sorry my income does n't meet the requirements. I disagreed and asked to speak to her supervisor. My income is more and my debt less, so I do n't understand. XXXX told me she would have the supervisor email me later and I said I 'd rather hold and speak to the supervisor ... .and after a hold of about XXXX minutes, someone who identified herself as " XXXX XXXX '' spoke with me and reiterated what was said. The supervisor was fake understanding and conciliatory but would not understand my point. My main complaint is the letter and their tactics were deceptive. The letter never said I would have to requalify and prove my income. According to the letter, I fulfilled all the criteria, and they said they were raising the limit, I did n't ask. Adding insult to injury, I am a Wells Fargo customer with a checking account and a home mortgage with them.
Product: Debt collection

Hi my name is XXXX XXXX my last 4 numbers of my social are XXXX, I am writing to formally dispute fraudulent accounts with XXXX XXXXXXXX XXXX and inquiries that have appeared on my credit report due to a data breach that compromised my personal information. I did not authorize these accounts, and I demand their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ] and Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is not a third party complaint Be it known that I, XXXX XXXX, am a federally protected consumer as defined by 12 CFR 1016.3 ( e ) ( 1 ) and upon my recent review of my ( XXXX, XXXX, or XXXX ) credit report, I noticed unauthorized, Non Public, personally identifiable financial information on my credit report being used as a coercion tactic causing me undue stress, anxiety and negatively impacting my credit file that, according to Congress, is to be fair and equitable to me.

According to 12 CFR 1016.3 ( p ) ( 1 ) Non Public Information : Personally identifiable financial information, per 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( B ), includes Account balance information, payment history, overdraft history, and credit or debit card purchase information. Additionally, per 15 USC 1682a ( 2 ) ( A ) ( i ) " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; GLOBAL LENDING SERVICES LLC is hereby given notice that pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), GLOBAL LENDING SERVICES LLC has violated my right to privacy by furnishing my private personally identifiable financial information without my written consent or any lawful authority and pursuant to 12 CFR 1022.3 ( h ), { CREDITOR NAME } may have committed aggravated identity theft as defined by 18 U.S. Code 1028A, by making such reports without such lawful authority and without my prior express written consent. 

As stipulated above, any and all unlawful, unauthorized Non-Publicly available information reported as listed below, but not limited to, shall be removed immediately from all credit reporting agencies. Late payments XXXX XXXX and XX/XX/2022 Additionally, notice is hereby given, I, the consumer in fact, effective immediately, XXXX XXXX XXXX, invoke my consumer rights under 12 CFR 1016.7 ( h ) to OPT OUT of all reporting of any Non-Publicly available information and hereby invoke my rights that my OPT OUT is to remain effective until I, the consumer, revoke such in writing per 12 CFR 1016.7 ( i ) ( 1 ).

Failure to respond satisfactorily with corrections and/or deletion on the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ), and 2. Negligent Enablement of Identity Theft, and 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Once these violations have been deleted please send me written verification of each action item along with a free copy of my report showing the removal has been completed. 


Best regards, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX a the bank declined a {$750.00} debit card transaction for a purchase for a oven at XXXX  and I called and they said that it should fall off in a few days while it sat in limbo holding the funds from XXXX. 
On XX/XX/XXXX the bank declined a XXXX XXXX  transfer to my business account. 
The same day the declined a XXXX $ transfer and said they could only do XXXX per day over a 3 day period, i said thats crazy, what bank institution does that? 
On XX/XX/XXXX the declined the XXXX $ transfer again. 
I called and explained over the phone and the teller made me call my other bank to verify the business account number. I was treated like a child after banking here. At the same time they tried to sell me their business account services and said that everything would be easier if I had a second account with them. 
I am a XXXX disadvantaged woman trying to start a business and they cost me time and money. They should be held accountable for there actions to US Veterans
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX  account XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporter act XXXX account XXXX XXXX XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX  account XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX account XXXX XXXX has violated my rights. 

15 usc 1681 section 602 8 states I have the right to privacy.

15 usc 1681 section 604 a section 2 also state a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting or other personal consumer reports

The listed accounts on my credit reports are fraudulent.
Product: Debt collection

Multiple calls a day from at least XX/XX/23 until XX/XX/23 when they said they would stop calling but declined to give details of the debt.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

XX/XX/22 Ive sent my right of rescission letter and affidavit of truth to Westlake Financial. I am deducting my liability to pay on behalf of the obligator as I have found several violations and fraud. I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$1500.00} was needed in order to drive off the lot. The buyer may buy the vehicle for cash or on credit and by law you cant do both. Pursuant to 15 usc 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was given the notices that come along with a consumer credit transaction. I participated in a consumer credit transaction and not a loan Pursuant to 15 usc 1602 ( I ). Also take notice that Pursuant to 15 usc 1605 the finance charge in connection with any consumer credit transaction shall be determined as a sum of all charges which was never disclosed to me which is a direct violation of this law. I am demanding my credit to be corrected and title of the vehicle
Product: Credit reporting or other personal consumer reports

the following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Consumer Loan

Recently I began to be harassed via text messages by this compa ny. Car Cash of Lawrenceville.  Located in  XXXX  GA.   XXXX   XXXX   accepted my payment agreement for this months payment and because I asked to please stop texting me at work, she began to get nasty and advised that I must pay the corporate office not only this months payment that is due  XXXX   XXXX     XXXX    but also next month 's payment due on  XXXX   XXXX   XXXX  immediately. She is being spiteful and threatening a warrant for my arrest and says if I do not bring the car in immediately they will reposess it. I am not 30 days late. My due date is  XXXX   XXXX   XXXX  and I advised  XXXX  that I would pay that before the end of the month which she said was actually ok to pay by the middle of  XXXX . I have attached the text messages and her latest email to me advising that I owe more fees and money than my knowledge. She and  XXXX  who also calls herself  XXXX  on my voicemail have told me they will not accept my monthly payment without  XXXX  's included. I never signed paperwork that I must pay a payment month in advance. I am paying my responsibility to them and because I did not give her exact dates on the spot and asked her to please stop texting me during work hours, she now is angry and demanded full payment or my vehicle!! I have been paying this title loan since  XXXX    XXXX   and even if I was late with any payments   XXXX   advised me that it was ok as long as I communicated that with her and the next date that I can pay. Now I am afraid for my life and my children 's as these people are threatening my safety and saying that I have to go to court in order to keep my car,,, but for what?? I am within a week of my due date and they say they will not accept it. I also did not sign paperwork in my initial ; contract that they can reject a payment without reason whenever they choose. Please Help!!!
Product: Money transfer, virtual currency, or money service

My account XXXX There's {$120.00} in it.I need to withdraw money. My account has been more than 180 days since the last payment, but there are still some restrictions that prevent me from withdrawing money.When I withdraw my money Tip : Sorry, something is wrong. Please try again later. Please help me deal with it, thank you!
Product: Mortgage

1. XX/XX/XXXX : I contacted XXXX XXXX, NMLS # XXXX, of NextMortage, NMLS # XXXX, to obtain a mortgage for a property I would be purchasing in Maine. 
2. XX/XX/XXXX : I received a pre-qualification letter. 
3. XX/XX/XXXX I sign my Intent to Proceed documentation at 5.8750 %. 
4. XX/XX/XXXX : XXXX states Once my rates are out for today, we can get that secured for you with a XXXX lock with ample time to get us through your proposed closing date of XX/XX/XXXX. 
5. XX/XX/XXXX : XXXX request information on loan terms. XXXX fails to reply. 
6. XX/XX/XXXX : XXXX sends interest rates to XXXX for rate lock selection. 
XXXX questions XX/XX/XXXX, rate lock statement. XXXX fails to answer question. 
XXXX select 6.25 % with 0.2 points. ( Above my Intent to Proceed documentation ) XXXX receives a Change in Loan Terms document. 
7. XX/XX/XXXX : My closing attorney XXXX & XXXX question XXXX on why XX/XX/XXXX rate lock did not happen. XXXX states I did not communicate to her after XX/XX/XXXX to lock my rate. This is untrue as I questioned here by email on XX/XX/XXXX. XXXX did not reply. XXXX signs rate lock document. 
8. XX/XX/XXXX : XXXX signs Closing Disclosure document. 
9. XX/XX/XXXX : XXXX AM Closing postponed. 
10. XXXX leaves employment at XXXX sometime before my closing. 
11. XX/XX/XXXX : XXXX AM Closing postponed. 
12. XX/XX/XXXX : My Clear to Close notice is delivered by email from a XXXX XXXX ( NMLS # XXXX ) and XXXX XXXX ( NMLS # XXXX ) who continued the bait and switch rate scam begun by XXXX. 
13. XX/XX/XXXX, XXXX PM Mortgage Closing Takes Place
Product: Debt collection

I called company to gain knowledge on what account was for and they spoke to me very unprofessionally and with an attitude. Company failed to validate debt within 30 day period. I sent out two verifications letters on XXXX XXXX, 2017 and XXXX XXXX, 2017 both were signed for on XXXX XXXX, 2017. An agent signed for both but failed to date not one but both of my return receipts. I tracked my letters and was able to verify the date of receipt. They never responded to me. I notified all credit reporting agencies about their failure to respond within 30 days of my initial dispute now they are attempting to make contact to verify after I reported to CRAs that they never responded. Upon tracking notice left on door it is from XXXX, Florida. I am not expecting mail from anyone there and this is where they are located. I havent went to pick letter up because post office has closed. I no longer live at address I am homeless because I lost my job no one will rent to me because of false information reported. Renting anywhere is impossible because of them. I occasionally check mail at previous address. They are ruining my Credit and violating my rights. My letters were sent in XXXX, it is now the end of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE IN REGRADS TO THE IMCORRECT ITEMS ON MY CREDIT REPORT ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY IVESTIGATION RESULTS.
Product: Mortgage

I am in the process of refinancing my USDA guaranteed rural housing mortgage, currently held by Wells Fargo, through a new bank, XXXX. We have encountered a problem with Wells Fargo. The payoff statement that Wells Fargo issued to XXXX classifies my mortgage as a conventional mortgage instead of a USDA guaranteed mortgage. My closing documents from XXXX, the mortgage company that issued the original loan in 2011, shows my loan as a USDA rural housing loan. However, the mortgage was sold to Wells Fargo who has classified it as a conventional loan, despite all documentations showing that it is indeed a USDA rural housing loan. Wells Fargo has acknowledged that the paperwork shows that it is a USDA loan, but they have yet to make the change so that I can complete the refinancing process. 
One of the Wells Fargo employees that I spoke with on the phone suggested that this is how Wells Fargo treats all of their USDA loans. If that is the case, then this is illegal and should be investigated by the CFPB.
Product: Money transfer, virtual currency, or money service

XX/XX/10 I made a listing on XXXX XXXX  for {$1300.00} XXXX XXXX I got an email saying my zelle account was on hold. I had to pay XXXX first. 
She sent me this email XXXX under XXXX Then I got another email saying that I needed to pay an additional {$700.00} for the XXXX XXXX XXXX XXXX as a secure sales tax This is to another account XXXX under XXXX. This was sketchy so I stopped and checked the email was not actually from zelle. But a fake XXXX They also rushed me to pay and asked for more money to test The email asked for screenshots of my payment and then they would release my full payment for XXXX, plus the XXXX, and the XXXX and then give me a bonus of XXXX. 
I checked on reddit to realize it was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX has unlawfully reported late transitions to the credit bureau TransUnion that is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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.