23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, the company name is Regional fin., out of XXXX .and XXXX and XXXX, XXXX, there were located out side the XXXX XXXX XXXX , I return from XXXX, needed money to get home to XXXX, the company I.D . they self as XXXX, so this might build my Credit, I did not read fine print, all I want was the Monthly payment which was {$94.00}. for 18 months. I could do this. So I took out the loan XX/XX/XXXX, I kept paying the {$94.00}. monthly fee even when I was XXXX. So I stop ever thing XX/XX/XXXX, when I put in to my calculator {$94.00}. X XXXX = {$6900.00} to date. When I question them about it, and how much, I still owe, I want to pay off, they said I still own like {$1500.00}, on loan, I was confess then. So I went back to XXXX, that I show them and they took it away and shrewed ( cut it up ) it was 640 %, now it 's 450 %, but because I did n't pay off in the XXXX three year, and the Government say, they can not charge 640 %, But could charge 450 % + {$300.00} for Service fee, + {$200.00}. for application fee, which bring it up to {$1500.00}. + interest = {$1800.00}. total amount to be finance. So my payment was due XX/XX/XXXX, but because I was researching, and checking into my problem, of signing into this company, they started Collection Proceeding again me early.. Like I say payment was n't due till XX/XX/XXXX, on XX/XX/XXXX, they started calling me at the business place they are ( seniors, also ) contractor for Post Office, contracting me at the V.A. even trying to force they way in, while I was in bed getting treatment, called friends ( with hassizment ) and other, my phone I kept all phone calls by Regional Fin., Voice mail, internet mail, must be XXXX phone number they have for collection. Some day it XXXX calls night and day till now XX/XX/XXXX, threats and to do harm, by sending in XXXX XXXX, to collection from my home, over and about what I own, I tried to get help here in XXXX and XXXX, XXXX, even the Police are scared of the gangs, no attorney will take the case. I just turn XXXX year young XX/XX/XXXX to XX/XX/XXXX. CAN YOU HELP. thank you XXXX XXXX of XXXXXXXXXXXX my cell phone number is XXXX
Product: Debt collection

I received a voicemail telling me to call back XXXX otherwise they would send my information to the DA for XXXX criminal acts.
Product: Checking or savings account

I have contacted XXXX Claims Department about unauthorized transactions on my account. They have responded that since the charges are above 60days from the day I reported they would not be able to assist me, I requested reasonable accommodation through the American With Disabilities Act and asked for assistance. The bank informed me since they were beyond the 60days they would not be able to investigate and refused to credit my account. I was under the impression I am FDIC insured. I have sent several emails to uber asking them to reimburse me and they have also failed to send me a response any help that CFPB could assist me with is much appreciated. 
I have charges on my checking account from uber, please advise they were not initiated by me. Would you be able to assist. 
Dates are UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$10.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$23.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$14.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$10.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( XXXX XXXX ) Card {$14.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$5.00} I have called the banking institution I bank with. They were unable to reverse the charges because they stated it had been more than 60 days that I called to express fraud. I need the charges reversed. 
These are the dates of the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/2021, I applied for XXXX XXXX XXXX through XXXX. The application was definitely submitted. There was absolutely a hard inquiry into my credit, but I received no correspondence, email or physical mail, from either XXXX or XXXX until today, Wednesday, XX/XX/XXXX. I received a letter in the mail that says that my request for financing was denied. The reason specified was " High risk source of application ''. I have no idea what this means. I called XXXX and they told me to call Transunion. Transunion told me to check my credit report and call XXXX. No one would provide me with an explanation and looking at my credit report did not explain anything. No one will give me answers. They just keep telling me to call the other company. I was never given a reference, account or application number. Never received any correspondence except for the letter of denial. I am concerned there may be something wrong. No one will tell me what " high risk source of application '' means.
Product: Credit card or prepaid card

This is in regard to my credit card XXXX, XXXX violated visa rules and FCRA, I start XXXX disputes with wellsfargo, XXXX was declined and XXXX was resolved to make thing sample i Prepay the claim amount of {$100000.00} XXXX {$36000.00} XXXX ) After dispute was resolve, XXXX case was denied, they refund {$36000.00} XXXX ( {$72000.00} ) They issue a check, XXXX month later, wellsfargo return the check, reverse the dispute. and recharge my account of $ XXXX XXXXmonth later, They own policy is to resolve the dispute in 60 to 90 days. and visa policy is 90 days or less. and the case, dispute was prepaid in the first place of {$100000.00} to resolve any issue. still return, reject they own check, recharge my account. unbeliveable
Product: Mortgage

To whom it may concern : In XXXX we took a residential mortgage with XXXX Mortgage Co., a division of XXXX. This mortgage was subsequently assigned to XXXX XXXX Bank ( file # XXXX ). Around XXXX XXXX we refinanced the above mortgage with Washington Mutual ( WAMU ) ( file # XXXX ), which became the assignee of the XXXX mortgage ( file # XXXX ). However, WAMU never filed this assignment with the County XXXX Office. We refinanced again around XXXX XXXX and paid off Washington Mutual. However, since WAMU never filed the mortgage with the County XXXX Office, it did not file a Satisfaction of Mortgage either. WAMU acknowledged this error in the payoff letter it sent to us ( file # XXXX ). Recently, we tried to refinance the house again to help our daughter with college costs, but the bank refused because the XXXX Mortgage is still showing as unpaid at the County XXXX Office ( file # XXXX ). The County XXXX Office stated that Chase Bank ( which took over WAMU ) has to do two things : ( 1 ) file the assignment of XXXX Bank on behalf of WAMU and pay the recording fee ( which we originally paid as part of the closing costs ( see file # XXXX ) and ( 2 ) issue a Satisfaction of Mortgage letter to remove the lien. 
the following are our contacts if you would like to reach us : XXXXXXXXXXXX cell= XXXX 's XXXX XXXX XXXX XXXX ; XXXX 's ( XXXX ) XXXX home= ( XXXX XXXX XXXX Thank you for your attention in this delicate matter. 
Sincerely, XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dating back to XX/XX/2023 I submitted a dispute through the creditor Experian and the Consumer Financial Protection Bureau, at that time i was disputing the improper use of my credit report based upon 15 usc 1681 Permissible Purpose. Ive shown how they have improperly used my report, reporting erroneous negative information causing my credibility to be questioned and at times denied. Can you please advise them to do whats right and remove these errors as I will seek Litigations if not removed promptly. I have sent NUMEROUS request to have this done and now it has reached an advanced stage past the recommended allocated time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ) & ( ACCT # XXXX ), XXXX XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ACCT # XXXX ), XXXX XXXX XXXX  XXXX ACCT # XXXX ) and, XXXX XXXX  XXXX ACCT # XXXX ) ; has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I presented a check to be cashed at Wells Fargo as I have many times in the past. Some times I am asked to have one of the office personnel to " verify the check '', and other times the tellers refuse to honor the presentment, but will refuse to put the reason in writing. The reason they say ( of course no law supports this policy ) I must submit XXXX ( XXXX ) forms of ID because I am not a " customer ''. Well ... interesting concept there because, the items the banks allow are not even related to " identification '' whatsoever. And, the banks applicable policies on someone who is NOT a customer is an act of ultra vires at best. PERIOD. Such as a Drivers License, SSN, Birth Certificate, Bank Card etc. None of which are forms of ID. The mere act of being asked for another form of ID is in itself an accusation of fraud by my entering the bank and presenting the instrument simply because I 'm not a customer. In other words ... am I being accused of committing a crime by presenting a check and not being a customer? Law enforcement do n't even have that power to force someone to ID themselves if they are not being charged with a crime! So just WHO 'S authority is the BANK operating under? 

In essence, the banks demand something that does n't exist to honor an instrument issued by one of their own customers and the tellers are giving practicing law by legal advice at the window without a license to do so. The policy they are using, is no different than say if I had a church/company policy that says all " non Christians/employees '' will go to hell or be subject to paying my church for their non participation. 

Next step will be lawful actions for refusing to honor a legal instrument issued by one of their customers when presented at the window for exchange of federal reserve notes. All of which are a direct violation of their own Mission/Human rights Statement.
Product: Debt collection

American Express has been reporting my personal and private transactional information to third party credit reporting companies without my express written consent, in violation of the FCRA, FDCPA, GLBA and my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion to delete all inaccurate information that is reporting an hurting my file. please review an delete all items listed. this has been an reoccurring issue that needs to get resolved asap.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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 Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So I'd like you to update and correct the status of my accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( ex : XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** In accordance with the Fair Credit Reporting act ( ex : XXXX XXXXXXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Inconsistent information on consumer reports lacking maximum accuracy. Attached consumer report.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; A consumers transactions are excluded from the consumer reports. XXXX  and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
XXXX or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( XXXX ) and XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 
It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

You have furnished transaction information on the following accounts. 

XXXX XXXX XXXX late payments dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My account with XXXX was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX XXXX XXXX  payment dates XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These are not XXXX  XXXX compliance as well. 

Your truly XXXX XXXX
Product: Vehicle loan or lease

Suv got repo told them to sell and let me know and also was starting bankruptcy
Product: Debt collection

Dear LVNV Funding LLC, I am writing in response to your letter dated [ XXXX ], regarding the above referenced account. After a thorough review, I find your response to my inquiry lacking in both accuracy and adherence to legal obligations under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). I am formally disputing the validity of this debt, and I request that you immediately cease and desist all collection eorts until this dispute is resolved. I have attached the inaccuracies to this complaint in regards to your response to my previous dispute. Again I never received written notification about this debt either.
Product: Debt collection

I was contacted by someone claiming to be a new service called " XXXXXXXX XXXX '', and that they knew I was having issues with XXXX. Which I was ; as they were sending leads outside of hours I posted. The person made it seem like they were a competitor of XXXX and had better systems. 

I was told I could pay an annual membership to join XXXX XXXX, and they would deal with XXXX for me. 

I advised that I could pay the one time annual fee on a personal card ; but would not be able to set my account up yet, as we were in transition and opening a second location and I would not be able to start taking new clients until that was resolved. 

Multiple documented tragedies and many months later, I am now ready to add another 27 clients this morning and discover that I am being charged XXXX for XXXX  sent to an old number on a " new account '' XXXX XXXX  created from my OLD XXXX XXXX information. 

Not only am I being charged for purchases I never authorized.. I am now in collections as of XX/XX/2022. 

My business number is completely different from the number they sent the referrals to. 
I have no idea what zip codes or services they offered. Nor do they have my business billing information. 

I was trying to finally activate and set up my account on XX/XX/2022 to add the 27 new clients when I learned they had done this AND put me in collections as of XX/XX/2022. 

I tried multiple times to resolve this when I discovered it on XXXX with XXXX XXXX. As well as McCarthy, Burgess & Wolfe their collection agency. 

I didn't buy these leads, I shouldn't have to pay for them. 
It is bad enough my business reputation was maligned by them offering/selling my services to clients that never had a shot of an appointment. 

My business DID NOT receive any business from them. We have not started any new clients, as we have been dealing with treading tragedies in at least 6 months.
Product: Student loan

This is still an issue. I requested payments made to Nelnet to be refunded to me under XXXX reimbursement laws for borrowers in XXXX of XXXX. The payments were made in XXXX of XXXX & XXXX of XXXX for a total of {$2000.00}. 

Nelnet has still failed to process my reimbursement as requested for going on 7 month. Today I logged into my account and they applied the {$2000.00} to my loan instead of reimbursing me as requested month after month after month. They've misappropriated funds and even told the CFPB that they mailed me checks repeatedly. Clearly they did not because they now have somehow rectified in accounting error and applied the funds that I have asked to be reimbursed. Now they are telling me that I'm beyond the threshold of the allowable date to get the reimbursement of payments made. My requests were made multiple times by phone and in writing from XX/XX/XXXX until present. My loan amount was {$5500.00}. The attached show that they have applied the payments to my account but only on the Department of Education site account. On the Nelnet account site they still show I owe {$5500.00}! They applied them, took them away when I requested the {$2000.00} refund, and then applied them again but only to the Department of Education??!! This is crazy and probably illegal since they have accounting reporting requirements. They've lied to me, lied to the CFPB about sending me checks and still have not processed anything. What is going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX