23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2022. Til this day over 11 months later and I still have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 120 days so they should be deleted promptly.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e9b ) and 15 US CODE 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

This has cause me significant damage to my credit report and score and has blocked me from being able to pursue credit for my business and being able to provide for my family a better life. I am in severe distress and I need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. As a consumer we should be protected from companies falsifying information on our report and reporting incorrect info.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES. 
THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT 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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM 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 ) ( a ) 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

A woman by the name of XXXX XXXX has posted my mailing address as hers and may possibly consuming my personal mail. 

Most recent mailing to my address and " returned to sender '' is from the following address : National Recoveries, XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2020, I requested an international wire transfer for {$47000.00} XXXX XXXX XXXX ( AED ) from my Synovus Bank account to a business entity in the XXXX XXXX XXXX, XXXX. Synovus completed the transfer but, did not inform me of hidden charges I would incur as a result of their deceitful practices. According to the XXXX Bank  of the XXXX XXXX XXXX, ( XXXX ), the AED conversion rate to USD on XX/XX/XXXX was XXXX, ( see below ). This rate has been consistent and pegged to the USA dollar since XXXX. 

1.00 AED -> XXXX USD XXXX UAE to US 1.00 USD -> XXXX AED Conversion US to XXXX Synovus Bank informed me they would charge a {$45.00} USD fee for the international wire transfer, which I agreed to and find acceptable. However, the conversion rate Synovus Bank charged of XXXX USD, ( which is higher than XXXX USD conversion rate stated by the XXXX Bank  XXXX XXXX, websiteXX/XX/XXXX: XX/XX/XXXX, is unacceptable. This event resulted in Synovus Bank  taking {$410.00} USD from me in hidden charges ( profits ) that was not disclosed to me. Synovus failure to explicitly detail additional charges acquired by use of excessively high conversion rates is deceitful. Synovus led me to believe the only charge/fee I would pay for the transaction over and the about XXXX bank  rate would be {$45.00} dollars, but in fact they charged me {$410.00} dollars by slight of hand with the difference in the exchange rates. The fact they used this practice to obtain {$410.00} USD from me in a hidden charge is unacceptable, deceitful, egregious and unethical. 

FYI During my recent travels to XXXX, I converted $ USD to $ AED multiple times at exchange centers throughout the XXXX Airport and XXXX Mall. They all had reasonable conversion rates consistent with the XXXX Bank  of the XXXX. ( See attached ). In addition, while using my Visa credit card for retail purchased in XXXX, they converted the funds from $ USD to AED automatically at rates consistent to those quoted by the XXXX Bank  of the XXXX. ( See attached ). I contacted Synovus Bank and spoke with multiple staff and managerial level personnel in Customer Service, International Wire Transfers and other areas. Their explanations were evasive, irrational and did not directly address my complaint.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, [ C ] has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions I have been disputing this collection for a while now. I have no knowledge of this collections. I ask that it be removed from my report. I have medical insurance and has always had full coverage insurance ( XXXX ). If this debt collector failed to process this claim through my insurance, that is not my responsibility. Again, I ask that you please remove this from my credit report.
Product: Money transfer, virtual currency, or money service

Hello CFPB, I used PAYPAL ( XX/XX/2018 at XXXX XXXX  PDT ) to buy some cloth from XXXX and my Payment was sent to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. 
Transaction ID : XXXX {$120.00} USD - what I received TWO month later ( on XX/XX/2018 ) was just unusable rugs, nothing were close to that picture on internet page, size, color, quality - very bad, even stiches and pockets were on wrong spots. 
Right away I set returning process but merchant been wasn't agree against their policy ( they says its not a big difference and you maybe just mistaking by thinking that and color under lights may look different ). 
XX/XX/2018 we filled dispute through PayPal ( case # XXXX ) about transaction, after long process - I received email from PayPal : " - Youre eligible for a refund of {$120.00} USD once you return the item ( s ) " and they send me address which was different than seller provided on package. 
I paid shipping {$62.00} and followed directions from PayPal, I send what I purchased back to PayPal provided XXXX adress and provided all the evidence of returning ( receipts ) to paypal complain resolution and I still didn't have refund. Because no one live there or address didn't exist I don't know. But package tracking system ( XXXX ) USPS were stopped at some point in XXXX and looks like it coming back. PayPal not refunding me money.
Product: Debt collection

I am writing to bring to your attention a pressing matter involving Kia Motors Finance and a late payment discrepancy that has adversely impacted my credit. I believe Kia has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 
In XX/XX/2023, I purchased a vehicle from Kia and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted Kia to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 
Upon escalating the matter to a supervisor, I was informed that Kia had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/2023. 
XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2023 Balance : {$51000.00} Late date:XXXX I kindly request your intervention to prompt Kia Motors Finance to honor their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with Kia.
Product: Mortgage

XX/XX/XXXX ( following filing Chapter XXXX Bankruptcy ), I applied for a Loan Modification under the HAMP Program with my lender, U.S. Bank Home Mortgage. After several months of submitting any and all requested documentation I was denied due to 'documents not being received. ' Because U.S. Bank was virtually non-responsive, despite me reaching out to them on a regular basis, I also refiled the application with the assistance of XXXX. I subsequently filed a complaint with the WA Attorney General 's Office, who received a letter from US Bank, stating that the underwriter had been in error and they reopened my application. Today I learned that my loan modification had been denied again, this time for reasons that are again, erroneous. While I understand that, according to US Bank, there is no guarantee of loan modification, the HAMP program was designed to assist homeowners having difficulty with their mortgage payments, and prevent them from going into foreclosure. I have never been late or missed a mortgage payment. I am on XXXX, am almost XXXX years old, and believe I qualify for the HAMP loan modification program. Sincerely, XXXX XXXX
Product: Credit card

I tried to make payment arrangements with Navy Federal that would fit my budget and the representative put me on hold for 30 minutes came back to the phone and hung up on me. Navy Federal has withdrawn money from my savings account to pay off the credit card debit. All my income is from Social Security Disability. I have received several emails and phone calls harassing me to pay.
Product: Money transfer, virtual currency, or money service

To whom it may concern : I have been using Helbing Law firm LLC for 3.5 years. They claimed to be able to improve my credit to debt by reporting to all 3 credit agencies as I made monthly payments to them.

Helbing LLC. has only settled 1 account in the 3.5 years and has not been reporting my payments to the credit agencies. Also, Helbing has settlement amounts higher than the original amount as well as used my payments towards accounts that are not mine.

I have not heard from them for the past year until I threatened to make this claim.

Please see attachments Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/XXXX. It took over 30 minutes to get someone on the phone. Once I was finally able to speak to a customer service representative. She was very short and unfriendly. With a heavy accent. She seemed to have had a problem with me asking her rather or not she was in the U.S. I actually had to explain to her 3 times the nature of my call. 

Next, I explained to her that I had 2 different amounts and collections for the same issue, that occured on the same date, over 7 years ago still appearing on my credit account. Somehow, they were able to set them 2 weeks apart and 2 different amounts. It has severally affected me for over 7 years. I explained that I called the court in which it occured over this past summer and they removed it from my record without me even having to appear. Also, XXXX  removed it, and after speaking with a rep from XXXX  yesterday she also, instantly deleted both records. The CSR rep. at Transunion went on to say, it doesn't matter what the courts or other bureaus has done. She does things differently and the account is from XX/XX/XXXX so it would fall off in XX/XX/XXXX. Then she changed it to XX/XX/XXXX. I asked her how is it that they others were capable to manually delete it, in good faith and she was not? She couldn't provide a answer. I asked to speak to a manager and i have now been placed on hold for literally over an 1 hour, in addition to the time it took for me to get her on the line, and the time I spent speaking with her. I'm convinced that she has not notified a supervisor. And just left me her to give up and hang up. But I will NOT! 

I am so tired of how tax paying, hard working and long suffering citizens are treated here. 

While I am on hold I am going to continue to submit complaints regarding this to every agency and forum I can. 

Also, I am taking a screenshot of the time I called, and wait time is on my automatic timer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has run an inquiry on my credit report at least three times in the last several months without my consent or knowledge. This has negatively affected my credit rating. Any assistance you can offer is appreciated.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX
Product: Credit card

I called the FBNO customer service number to cancel my card. They verified me, but since they could not send a text to my phone, they locked my account and would not help me. I called again with a different agent and it was the same problem. 

I want to close my account. There is no link in the online account to do this, and the phone agent deliberately locked my account to prevent me doing this. 

This game is rigged to keep people from cancelling their accounts or receiving customer service.
Product: Credit reporting or other personal consumer reports

These hard inquiries were UNAUTHORIZED and I am victim identity theft : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. Please remove these hard inquiries from my credit report immediately!!
Product: Credit reporting or other personal consumer reports

I have viewed my report on XX/XX/24 and I have noticed that items are still incorrect. I have requested that these collections/closed accounts be removed off my credit report. I have provided proof of identity, police reports as well as identifty theft and they are still on my report. The collection and or closed accounts that are on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you have to remove these items within 30 days time period, then you must delete all of the disputed accounts from my report. You must now delete the disputed items and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

and it has been past 30 days at this point.

According to 15 USC 1681s-2 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 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 NUMBER : XXXX, BALANCE {$6300.00}, XXXX XXXX, ACCOUNT XXXX, BALANCE : {$4600.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$5200.00}, XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX XXXX BALANCE {$20000.00}, XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX XXXX XXXX BALANCE XXXX {$4900.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$22000.00}, INQUIRIES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, EQUIFAX 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, SSA XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have 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 or other personal consumer reports

Since XXXX the company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX has been reporting in my credit score a debit balance of {$800.00} in the 3 credit bureaus, which is limiting me from opting for a credit of housing which is my right to obtain a housing loan. 
according to the fair credit reporting law. I demand that the account of XXXX XXXX XXXX ACCOUNT NUMBER XXXX ... AND THE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX be reconsidered and evaluated and removed from transunion, XXXX and XXXX, SINCE I HAVE BEEN A VICTIM OF IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681s-2 Responsibility of furnishes of information to consumers reporting agencies ( a ) Duty of Furnishers of information to provide accurate information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or his reasonable cause to believe that the information is inaccurate. 

My proof of evidence is the third party reporting agency XXXX. This reporting agency is being used by all three agencies XXXX, Equifax, and XXXX. They all confirmed that my consumer information is correct. But it a problem I am not a her. So all the information being given and shared has me as a her. I have provided the evidence.
Product: Debt collection

Received several text from phone XXXX stating they were from UniFin Debt Collections Agency, provided a link, a reference number and amount to pay.

I requested them to STOP without success
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX  Balance : {$360000.00}.
Product: Debt collection

I received a bill on XX/XX/XXXX and spoke to XXXX at XXXX and advised that I was working in Florida as of the date of service and believe I was a victim of Fraud. The bill is XXXX XXXX XXXX XXXX. Trip # XXXX for XXXX XXXX which is my maiden name and I have not used since XXXX as I have been married since then. I was then advised that the bill would be address. This was for a frequent flyer XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. 

Then on XX/XX/XXXX I received notice rom Mercantile Adjustment Bureau that I would be put in collection or {$3200.00} for the same visit listed above for the same person that they knew was not me and that I needed to provide a police report. I offered to provide my schedule to show I was in Florida working for my job and was not in NY at the time. I need this to be removed from my credit and it is causing irreparable damage to my credit and life.
Product: Debt collection

Student loans result of identity theft from a for-profit school that's no longer opened several attempts have been made, notified the loan provider about this matter, I've contacted the school 's and the loans managers to remove this debt from my record. They threaten to offset my tax return. After filled several disputes they still haven't refunded my tax and never reach a decision about the fraudulent loan. 
They said the loan is in default I've contacted the local police and forwarded all documents proving this account was open with unauthorized signature. But they continue reporting this account the all the credit bureaus and continuously causing me further damages financially. 
After I repeatedly asking them to give proof of all investigations and contacted parties in their investigations they've chosen to not cooperating or further investigating the officials of the school where the loan originated and they continuously denying me every time I sent a dispute or loan requested to discharge these loans. They continue breaking the law by allowing and facilitating these individuals who have stolen my identity to open student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus regarding an item on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC identity theft report. I have provided to them all this information and copies of the documents as well. They have not handled their investigation as they are suppose to in cases of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been late on this account and requested physical proof that I was late. Provide transactions of late payment for this account. I requested this information in XXXX. I have the certified mail that was sent requesting as such. 

XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Chime handling disputes particularly in the light of the recent CFPB LAWSUIT! Chime failed to investigate my claims adequately Im very upset