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

Hello, my e-mail at transferwise.com is XXXX. 
i was sent a sum of XXXX USD by a friend " XXXX XXXX '' who lives in the U.S. on XXXX, with an ETA at the XXXX and i have a screenshot of the transaction and i had on my account a notification of this transfer but it said pending. 
trying to logon to my acc XXXX, i find it to be deactivated without any notice and i was instructed to contact XXXX so i contacted them but i got no message of delivery ( contrary to what they write on the page ) nor did i get any response. 
i contacted XXXX and he discovered his account was deactivated too. 
my account is verified and i have everything on mail. 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, I AM NOT LIABLE FOR ANY TRANSACTIONS MADE ON THOSE ACCOUNTS. BECAUSE OF THE NEGATIVE ITEMS IT HAS COST HARM TO MY CREDIT AND I'VE WORKED SO HARD TO TRY TO MAINTAIN A GREAT CREDIT SCORE. PLEASE LOOK INTO THOSE ACCOUNTS AND LOOK AT THE ACCOUNT NUMBERS PERSPECTIVELY AND HAVE THOSE DEROGATORY ITEMS OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bank of America credit card with a credit limit of {$500.00}. I pay my account every month and have been paying down more than 90 % of the balance every month. For my XX/XX/XXXX statement my balance was {$22.00}, this was reported to the credit bureaus around that time to reflect that balance. I then receive ( on XX/XX/XXXX ) an credit alert that BOFA is now reporting my balance as {$480.00}. I call BOFA and they tell me they are sending a dispute to XXXX, I then receive another alert from he other credit bureaus that the same balance has beeen reported on XX/XX/XXXX. Icall BOFA again and I 'm told they report randomly to the credit bureaus throughout the month- which is a inaccurate statement, they will investigate and let me know. This has cause my credit score to dget op 44 points across all my credit reports and is financially affecting me- since I was suppose to close on my mortgage this week.
Product: Student loan

Mohela : XXXX XXXX XXXX was not automatically renewed when it was up for renewal ( but my spouse 's was and is through Mohela XXXX too ) -They never messaged me that I would need to manually renew ( I only found out because a got a message one month after I had lost my XXXX plan telling me that my payment was coming up ) -I called and got a deferment while I resubmitted an XXXX request -Over two months later, my XXXX request has still not been processed -I was billed for a month, so I called to find out what to do in this situation and was told to ignore the billing -I have now been charged for a second month, have an overdue fee from the last month, and my XXXX request has still not been processed
Product: Credit reporting or other personal consumer reports

I am sending my request through this being I have sent in a request for my report but Microbilt act as if they never receive my request. " Please see attached ''
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX, LA, XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX  XXXX EMPLOYER - XXXX XXXX XXXX XXXXXXXX XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2 years ago OneMain did a hard pull on my credit and it is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account RENTDEBT AUTOMATED COLLECTIONS Opened Date XX/XX/2019 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that RENTDEBT AUTOMATED COLLECTIONS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

I live in XXXX XXXX and my Loan was purchased by a XXXX XXXX called " Planet Home Lending ''. At the time they purchased my Loan my payment went through XXXX and my note was {$410.00} Planet Home Lending purchased my loan in XXXX XXXX. Since then my note has gone up to {$820.00} nearly doubling. They are holding {$930.00} of my money in reserve ( escrow ) and not paying me interest on it. They went up on my note after me telling them to " waive the reserve '' which is what XXXX did for me so that I could keep my note affordable. I went to the XXXX XXXX and resolved the issue with my taxes which have been prorated for XXXX and I turned that in to them so they could accurately recalculate my note. I have spoken with Planet on this matter after learning of a tax mistake and I ask them to do a " Escrow Spread '' after they were to have " waived the reserve of {$930.00} '' that I have already paid them, which would not have increased my note by much but they didn't do that nor did they honor a letter I recieved after they took over my loan from the Home Affordable Act Stating that I was to recieve a {$5000.00} final reduction in my principle for successfully completing the HOme Affordable Program. THIS COMPANY SHOULD BE SERIOUSLY INVESTIGATED FOR IT'S ESCROW POLICIES IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an alert on my phone that my card was charged for {$XXXX} on a hotel site. I did not authorized the charge, i was checking hotels at the time on XXXX. I called immediately my credit card company : TJX Rewards XXXX XXXX issued by Synchrony Bank. I explained the situation and requested the charge to be denied as it was still pending. The man on the phone said they had to let it go through but not to worry as they would investigate and refund the money to me. On XX/XX/XXXX i received the refund, then on XX/XX/XXXX i was charged again for the same and it was noted on the statement as a re-bill. I called to inquiry what has happened and they told me the merchant ( scammer ) had provided sufficient documentation to prove i made the purchase, i requested such documentation because it was a lie. The documents they sent were the merchant 's rules on cancellations and such ( i am sending this documents in the attachment ). I told them i did not care what their rules on cancellations were, because i have never made a booking with them to begin with, they stole my information ( i'm thinking because i have everything stored in google ( including the credit card to be prefilled ) and by this time i had already investigated more of this merchant, there were hundreds of complains same as mine on the site XXXX. I told the agent this and that i needed the dispute to be reopened. They reopened and sent me the same packet with the scammer 's rules on cancellations and told me they sided with the merchant. So i paid the credit card balance in full and closed the account in XXXX of XXXX. 
On XX/XX/XXXX i received a call from a man, he presented himself as an agent for the credit card company and asked if i was satisfied with the results of the investigation. I told him i was not but i did not care anymore as the account was closed already. He said if wanted to he would reopen the investigation. I told him to go ahead but i had no faith in their system. On XX/XX/XXXX i received an email from Synchrony bank containing a letter saying they would be refunding the money within XXXX  days ( letter is attached also ). 
Since i never got the refund i called to inquire about the check in XX/XX/XXXX, instead of looking into what happened with the check, they once again reopened the case, i did not hear back so i called on XX/XX/XXXX and they told me they sent a letter on XX/XX/XXXX siding with the scammers once again. I asked why would they do that and what happened with their resolution from XX/XX/XXXX. They said they did not know but the case was closed and against me.
Product: Checking or savings account

Tcf intentionally drops off authorizations and then posts them a week later to accrue fees. I had enough available funds in my account to transfer money over, my account balance was {$3.00} prior to the close of business day. I wake up to see that Im now negative because XXXX XXXX got {$65.00} posted, that charge was authorized and fell off almost a week ago, now for whatever reason it has posted and charged me fees. I have received several fees on my account from this same thing happening. I have 2 checking accounts with your company and the same thing keeps happening on both accounts and I keep getting charged unnecessary fees.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

1.XXXX XXXX-Installment loan 2. XXXX XXXX XXXX XXXX.- Collection Account 3. XXXX XXXX XXXX- Account Credit Card 4. XXXX - Account ( XXXX XXXX XXXX ) 5. XXXX - Line of credit 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of inquiry XX/XX/2021
Product: Debt collection

On XXXX XXXX on XXXX and XXXX there is a collection agency that is trying to collect a debt for a payday loan i did not open from a ad astra recovery service on behalf of XXXX XXXX opened on XX/XX/XXXX i have tried to call debt collection agency numerous times to no avail. I have also filed a police report XX/XX/XXXX for identity theft thru XXXX police dept. This is not my account. I want it taken off my reports as well as a negative collection account. They also have an email listed on the account i never used. XXXX XXXX XXXXXXXX XXXX i never used that email i use XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX, XXXX, XXXX XXXX XXXX TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX, XXXX XXXX XXXX TransUnion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX, XXXX XXXX XXXX TransUnion have all neither corrected nor removed debt in question.
Product: Debt collection

I don't know anything about this debt, I've never heard of the original creditor XXXX XXXX I've tried to dispute the item on my credit report and I haven't heard anything back from XXXX XXXX nor Collection Bureau of FWB.
Product: Credit reporting or other personal consumer reports

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, and thanks for your help. According to my credit card statements from Citi in XX/XX/XXXX through XX/XX/XXXX, I earned about XXXX XXXX points with the XXXX XXXX  XXXX card, opened XX/XX/XXXX. However, these points have not shown up in my XXXX account. After many phone calls with customer service representatives at Citi and XXXX, the problem has not been solved, none of the points I earned are in my XXXX account, and my case has not been passed along to service reps who have the resources to help. 

Summarized timeline : On XX/XX/XXXX ( 3 months after earning the points as verified on my credit card statements ) I called Citi and gave my XXXX account number to verify they are putting points in the correct account. The rep told me, presumably after making some change in the system, to wait and check if the points appear. They didn't. Meanwhile, XXXX phone reps were unable to see my earned points or track down if Citi had sent me any points for the past half year. XXXX guessed I should make a new XXXX account in case my old account is broken. On XX/XX/XXXX I created a new XXXX account and called Citi to give them the new XXXX Member ID and asked that all my earned points be moved into the new account. Citi said they'd escalate the case and contact me with the resolution. Citi has not contacted me. Half a year after earning rewards, I have not yet received any.
Product: Credit reporting

I would like to continue my fight against Equifax reporting XXXX to my credit report against the law. I recently checked my XXXX XXXX monitoring service and noticed that XXXX # XXXX is still illegally reporting against me and affecting my credit score and hindering my credit report. I have repeatedly asked to be provided with proof that aligns me, XXXX XXXX, to this inaccurate account and I have received nothing of use nor any correspondence from Equifax. This is not fair. This account is not an account that I have ever held and it can not be reflected on my report. I have disputed all of the information and found it very suspicious and weird that they deleted all of the payment history and changed the dates to newer and more recent dates. I can not fight this uphill battle if they keep changing the game. This is not my account, I have no proof nor any knowledge of this and would like it removed immediately from my credit report with Equifax. I mean why delete ally payment history and leave me with nothing to look at and nothing to say besides that this is NOT my account and it is not correctly reporting any information, therefore remove it, please.
Product: Credit card or prepaid card

Dear Bank of America On ( XXXX XXXX ) I used my credit card as defined under 15 U.S.C 1602 ( a ) ( 1 ) To extend myself credit through your company. I was denied on ( XXXX XXXX ) I received an adverse action letter from your company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 U.S.C ( 1691 ) ( a ) ( 3 ). I in good faith excercised my right to extend credit as a consumer, and a creditor and I was denied for no specific reason. You also violated federal law and you will be hold civilly and criminally liable because you violated 15 U.S.C 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the card holder and consumer received no benefit. You are now civilly and criminally liable under.

1.15 U.S.C ( 1611 ) 2. 15 U.S.C ( 1640 ) 3. 15 U.S.C ( 1691 ) ( e ) 4. 15 U.S.C ( 1642 ) To preserve the judicial economy, and save us both time and money in court. I am willing to settle this matter for the following. 
Extend me the credit I applied for! 
Reference # XXXX Reference # XXXX If you fail to comply I will not just stop at a civil complaint I will file a criminal complaint against your company as well. I am giving you 30 days to respond to my demands.. 
This letter is also being CC-To the CFPB and CC- To the attorney general.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXX. {$2400.00}, a personal credit card account at XXXX XXXX XXXX XXXX bal. {$6600.00}, an collections account at XXXX XXXX XXXX XXXX. {$1600.00}, and a collections account opened at XXXX XXXX XXXX XXXX. {$150.00}. These accounts have resulted in several fraudulent hard inquiries fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : 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 XXXXXX/XX/XXXX **Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX