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

Dear Officer, I used Ria Money Transfer to transfer funds ( {$3000.00} ) to my overseas account from my XXXX  XXXX XXXX account on XXXX of XX/XX/2019. But my account got debited three times ( in total of {$9000.00} ) because of which, bank charged me overdraft fees. 

Ria money transfer did refund the additional debited amount but not the overdraft charges which were applied by the bank, despite of my repeated emails and their assurance that they would refund the overdraft charges. I got couple of email from them that they have initiated the refund process and i would get my refund. 

Then my bank account got debited again on XXXX of XX/XX/2019 with {$3000.00}. When I had not initiated any transaction using Ria Money Transfer. 

The initial order number for my transaction on XXXX XX/XX/2019 is XXXX and my account is registered with my email id : XXXX Pls let me know if you want any supporting documents regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 accounts that have been unverified and was requested to be removed by the XXXX credit bureaus ; XXXX, XXXX, and Equifax. I have sent 2 letters asking for proof of validation with ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ) I have received no such proof! I sent letters out in XXXX, and XXXX. 

These collection accounts are also not reporting accurately. How can all XXXX bureaus be reporting the same collection, but 3 different account numbers WITH ONLY XXXX If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

Continential finance is reporting my credit card as being over 30 days late, however when called and spoke with the supervisor they admitted that it was never over 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered this yesterday : My credit report shows a MI address ; lifelong MA resident. Student loans from XXXX that I was trying to make good on through the DOE, were transferred to service provider XXXX XXXX. They made zero successful attempts to contact me declaring themselves the owner of my loan ; thought they were picked up by XXXX with the rest of my loans ... I was wrong. 
MI address was garnered by XXXX XXXX via XXXX skip tracing XXXX no need to skip trace me ... still at same address ). The address was adopted to my credit report and thus adopted by my car loan financial intitution, XXXX account and still learning more ... 
XXXX is a function of transunion. The address was added to my transunion credit report XXXX/XXXX/XXXX by DOE on behalf of XXXX XXXX collected from XXXX, a division of transunion credit union. 

Transunion ( XXXX ) gave the information to Transunion. They act like I am talking about XXXX XXXX when I bring up XXXX. 
There was absolutely no reason to skip trace and/or change my address. This is systemic problem that occurs too frequently with full plausible deniability on the loan servicers ' part. They just send the bill to the wrong address and tell me it is my responsibility to keep my address up to date with the DOE. It was until they changed it ... ..XXXX admitted to the practice of providing information that may not be accurate and provides full disclaimer and disclosure that the information they provide is to be used at the risk of the user, that would be XXXX XXXX in this case. 

The scam is this : the student loan contracted by DOE makes a singular attempt to reach the owner of newly acquired loans ( occurred to me twice when I moved ). they barely satisfy the minimum requirement to inform the consumer of their new responsibility that is not a choice BTW. The default happens soo fast and they ca n't wait to sell you a rehabilitation plan that they get paid a commission upon successful completion. This serves as an economic engine of millions of students making 'rehab ' payments and tacking on fees and interest. All the while, the loan service ca n't wait to reset the clock if miss a penny. 
My first conversation with XXXX several years ago and XXXX XXXX yesterday was " who are you? '' ... '' we own your loan, its in default, would you like a rehabilitation plan? ". The opportunity to pay the loan on time is often so obscure and this is on purpose. This is a very well ingrained scam where everyone but the consumer is getting a cut. 
I look forward to your response. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if XXXX and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript  be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you
Product: Debt collection

Equifax Disclosure Department - [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I recently received a copy of my credit report and found several incorrect items. I have detailed the discrepancies in the numbered entries listed below : 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  According to my records, the information you are reporting on these accounts is inaccurate. I demand that you remove this information from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I request that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies you contacted so I may follow up.

Under the terms of Section 1681i of the Act, you have 30 days from receipt of this letter to verify this disputed information. If you fail to verify this data or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Additionally, pursuant to 15 U.S.C. Section 1681d of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address provided above. According to the provision of Section 1681j, there should be no charge for this notification. 
Sincerely, XXXX
Product: Mortgage

Approximately two weeks ago I mailed a money order for XXXX, XXXX to Nationstar Mortgage to pay off my loan based on a payoff amount they quoted me over the phone. They have my money order according to a phone call to them today but have not credited my account with it. They said it was short by XXXX. I said you should credit the payment, tell me what I still owe and I will pay it. They said it would be credited today. As of XXXX tonite it still is not there on my account online. They are charging me additional monies everyday even though they have far more than what was owed currently. They have my money and are purposely not applying it to the loan and accruing interest and penalties on the account. I know this is illegal!!!
Product: Debt collection

I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. Portfolio Recovery Associates , LLC mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXX as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can Portfolio Recovery Associates , LLC allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692c ( b ) Portfolio Recovery Associates , LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Portfolio Recovery Associates , LLC has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was mishandled by Experian, myself and millions of other people at risk by their security breach. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Consumer Loan

I purchased a bed from XXXX XXXX ( financed through GECB ) in 2012. I applied for the loan in the store and was approved for {$3000.00}. This was a promotional loan, i.e. 24 months interest free for 24 months. Upon being approved, the salesperson told me what the monthly payments were to be. GECB then became Synchrony. I requested from Synchrony a copy of my application and the terms of the loan, but they have informed me that since my application was taken " electronically '', a paper copy is not available. 
I received a bill monthly and paid what it indicated was the " total minimum payment due. '' At the end of the 24 months, as I had not paid the full amount, I was hit with the back interest, which increased my balance from {$1900.00} to {$3700.00}. 
My complaint is multi-faceted, but boils down to the fact that I feel this type is lending is a trap. First of all, there is no way for me to check and see if I was informed that I needed to make 24 equal payments in a certain amount in order to benefit from the 0 % interest deal, as Synchrony is not able to provide me with my loan agreement. Secondly, GECB/Synchrony did not make it plain on my monthly statement what I needed to pay in order to take advantage of the deal. I assumed, stupidly I admit, that the minimum amount they listed was adequate to take advantage of the financing. The statements all say, " If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. '' They provide the date and the balance, but nowhere in the statement does it tell me what my payment needed to be in order to avoid the application of all the interest at the end of 2 years. 
I have recently heard on television/radio merchants such as XXXX XXXX XXXX now make clear that the special financing requires equal minimum payments, which leads me to believe that I am not the first person with this issue. 
I am now facing a balance of {$3000.00} w/ a 29.99 % interest rate. I believe that this is the goal of these finance companies - to not fully-inform consumers up front what the equal payments need to be, so that they can rake in HUGE profits. If I had been informed in my monthly statements what I needed to pay in order to avoid the full amount, I would have paid that amount.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Sure stay by XXXX XXXX was to be taking out XX/XX/2022 for two transactions total XXXX but XXXX $ to be released on XX/XX/2022 at check out. XXXX XXXX was booked XX/XX/2022 at XXXX XXXX but not showing on my account and they charged my girlfriend XXXX XXXX Chime. XX/XX/2022 I look my Chime account is over {$200.00} negative but my XXXX  is XXXX XXXX Then Chime removed some transactions from my account that I can prove was paid on a day thats not showing and money was not sent in the day Chime has listed on my account.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report, that I believe to be incorrect, unfair and it appears that the Department of Education is reporting inaccurate information under my Social Security number. I want to clarify that I have not been enrolled in school for an extended period, as I have been taking care of my ill husband, who sadly passed away on XX/XX/XXXX. This situation has greatly impacted my life and financial stability. Additionally, I have not inquired about student loans since my daughter was born on XX/XX/XXXX. She is now XXXX XXXX XXXX. Therefore, the reporting period they have, particularly the two months following my husbands passing on XX/XX/XXXX, seems both inaccurate and unjust. I kindly request that you investigate this matter and correct the information in my credit report. 
The claims made against me for various amounts reported on XX/XX/XXXX, for accounts opened between XXXX and XXXX finally the last payment that was reported on XX/XX/XXXX is false/incorrect month and year. The specific amounts in question include Acct # XXXX Acct # XXXX Acct # XXXX, Acct # XXXX, Acct # XXXX, XXXX, Account # XXXX, Account # XXXX, such as I owe yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I been getting the run around I reached out to TRANSUNION on XX/XX/year> trying to find out why they didn't delete a collection on my report from THE BUREAUS COLLECTION AGENCY they told me to put a dispute in because they have no record from the collection agency I asked well why is that the other XXXX agencies deleted it & they received it no valid answer. I then put a dispute in & uploaded my proof from the collection agency THE BUREAUS & all of sudden TRANSUNION claims they don't see my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email over the weekend XXXX that I had negative on my credit report. I looked it up and southwest credit system said I owed XXXX. I called them this morning XXXX spoke with a lady and she said it's in collection for water bill. I advised I've never lived in XXXX I've lived in XXXX for 38 years. My entire life. She said I needed to file a report and send copy and I'd to them. 

Also a company called convergent outsourcing is on my credit for XXXX out of XXXX. I've never lived there nor gave anyone permission to use my information. This is also on my credit My last 4 of s.s. XXXX
Product: Checking or savings account

I am making a complaint against XXXX XXXX XXXXXXXX and Citigroup/Citibank for decisions they have made to ban or limit banking services specifically related to the manufacture, sale, purchase, including financial transaction or account services for the firearms industry, retailers, and consumers. 

My specific complaint against XXXX XXXX XXXX is that they intend to stop lending to firearms manufacturers. My complaint against Citigroup is that they are essentially creating their own laws according to their XX/XX/2018 blog post : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under XXXX years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. '' Citigroup is additionally discriminating against manufacturers by applying the same invasive rules to lawful and constitutionally protected activity. 

For federally regulated entities to actively suppress lawful activity, constitutionally protected activity, is, in my opinion, a breach of banking regulations and discriminatory. At the very least, it would have the disparate effect of discriminating against white males. No matter what the banks ' intent, the biggest impact would be against a protected class ( race ). But the broader complaint is that banks being regulated, are not allowed to pick and choose customers and industries based on their social agendas, I think that is wrong and specifically against numerous consumer and business protection compliance regulations. They are effectively making law and due to their market size and power, have a restricting and dominating effect on a national level. They are essentially using their massive industry size, to enforce policy equivalent to federal law, replacing the lawmaking prerogative of Congress with the boardroom of for-profit Banking giants.
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 Account Number : XXXX Account Name : Chapter XXXX Account Number : Bankruptcy XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 or other personal consumer reports

My car was broken into which someone was able to obtain my information and opened accounts in my name the accounts are fraud and they don't want to remove them I sent copies of police reports and so on and they haven't been removed
Product: Credit reporting or other personal consumer reports

The hard inquiries on my credit report with all XXXX credit bureaus are unauthorized and inaccurate. I have requested removal through mail as well as over the phone with no success. There is also a name, XXXX XXXX, that I am not associated with, as well as XXXX  phone numbers.