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

I got scammed out of {$1600.00} today and I called my bank chime to get it reversed as fraud and they told me basically its nothing they can do. This is not acceptable! If my bank cant protect me then why am I a member. My tax return hit for XXXX XXXX a single mom of two in a new state with no family and friends escaping a domestic violence relationship. Needed a car for me and my children. I thought the company XXXX XXXX XXXX  was legit but they was hacked and someone is pretending to be them and make fake car sales and I was a victim. They even go as far as creating a fake tracking number and website. Im not settling for them telling me theres nothing they can do when these two people that received the transactions from me have an account with chime! I need my money back asap. Chime even had the audacity to tell me to request the money back asap if a scammer will do such a thing! Im LIVID.!
Product: Credit reporting or other personal consumer reports

I sent them a letter on XX/XX/year> asking for my credit report. I sent it certified mail/return receipt and got no reply. I called them on the automated line and requested that remove any fraud alert or freeze on my report. I have seen no effects of them doing it. I have went on EXPERIAN website and can not access my report. It says and i quote ... OOOOPS we have a problem call this number. When i call it asks for my SS # and zip code and won't allow me to speak to a live person. Then it just hangs up on me, on numerous occasions this has happened. I did once speak to a live person from EXPERIAN and she couldn't even pull my report and she works for them. Im getting HARD PULLS on my reports from companies and not getting credit, because they reply with missing information and no credit file found. This is a shady tactic by EXPERIAN and it's causing me stress and missed opportunities and affecting my credit score with the impact of HARD INQUIRIES.
Product: Credit reporting or other personal consumer reports

MOHELA now is servicing my loans. I have significant discrepancies with the reporting of my credit report late payments from previous servicing agent XXXX. 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15.S.C. 1692g, you are not allowed to propagate misleading information. Currently MOHELA ( previously XXXX ) is knowingly making false and misleading statements about my student loan debt. 

My XXXX credit report has a number of late payments XXXX days late. Based on the Forbearance and Deferment history and records from MOHELA these can not be correct as they are reported. These late dates are not correct. Please answer the following questions. 

See the list below and attached credit report late payments and MOHELA account history. 
XXXX Late payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX late XXXX XX/XX/XXXXXXXX XXXX XXXX. How can XXXX be 90 days late if the forbearance ended in XXXX? 
a. How can XXXX be 120 days late if the Forbearance ended in XXXX? 

XXXXXXXX  Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX late XXXX XX/XX/XXXXXXXX XXXX XXXX late XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX late XX/XX/XXXX late XX/XX/XXXX late XX/XX/XXXX late XXXX. How can XXXX be 90 days late if the forbearance ended in XX/XX/XXXXXXXX 
a. Would the first 90 day late report be XX/XX/XXXXXXXX 
b. How can XXXX be 180 days late if the Forbearance ended in XXXX XX/XX/XXXX XXXX 
c. How long was the XXXX XX/XX/XXXX Forbearance when it ended in XX/XX/XXXXXXXX XXXX 

XXXX Late PaymentXXXX XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX late XX/XX/XXXX late XXXX. How can XX/XX/XXXX be 90 days late if the forbearance ended XXXX XX/XX/XXXXXXXX 
a. Would the first 90 day late report be XX/XX/XXXXXXXX 

XXXX Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XXXXXXXX XXXX XXXX XXXX  late XXXX. How can XX/XX/XXXX be 120 days late if the forbearance ended in XXXX XX/XX/XXXXXXXX XXXX 
a. How long was the Forbearance that ended XXXXXXXX Did it cover XX/XX/XXXX XXXX 

XXXX Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late XX/XX/XXXX late XX/XX/XXXX late XXXX. How can XX/XX/XXXX be 90 days late if the forbearance ended in XXXX XX/XX/XXXXXXXX 
a. The first 90 day late payment would be XX/XX/XXXXXXXX 
b. How long was the Forbearance that ended XXXX XX/XX/XXXXXXXX XXXX Did it cover XX/XX/XXXXXXXX XXXX
Product: Debt collection

I have received many calls, at all times of the day plus yesterday at night from company claiming to be XXXX XXXX XXXX, representing XXXX XXXX XXXX or XXXX XXXX, alledging that I was attempting to commit fraud for a debt that was discharged in chapter XXXX bankruptcy. 

This company has violated the FDCPA as they are attempting to sue for a debt they claim can not be discharged in bankruptcy. 

This company should cease collection activity or I will sue for defermation plus other FDCPA violations. 

This company gave me a bogus claim number XXXX. 

This company will not give any information about itself. Other than name, address only phone number are online. 

This company has my personal information plus other family members of mine. 

This company also contacted 4 members in my family over a debt that was discharged more than once, this is a violation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was using XXXX  airport parking lot, when checking out, I slid my CITI XXXX Visa card. So the should only be one charge of XXXX {$5.00}, but my card got charged 4 times! 
I disputed through Citi card web site. But they ask me to send 4 letters to enclose receipts ( which there is no receipt ). detail explanation and send the letter back to them as well as my detailed exchange with the merchant. The process is so convoluted and I have to spend {$4.00} in total for postage to possibly get {$15.00} back. That is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed correspondence to Experian in XXXX and XXXX to dispute inaccurate information on my credit report without success. Experian has not responded to either correspondence and I attempted to submit a dispute via online but the site is so confusing to navigate. I have credit monitoring and Experian is still reporting inaccurate negative information and will not remove it. It is affecting my credit score.
Product: Mortgage

XX/XX/XXXX contacted mortgage company regarding insurance payment status as insurance was due XX/XX/XXXX and I received a termination letter in the mail. Lady states they have information pending payment from mortgage company. Issue should be resolved soon. 

XX/XX/XXXX spoke with XXXX manager at mortgage company was told they would call and find out information about it and call me. No return call. 

XX/XX/XXXX spoke with XXXX and was told payment was going to be released and will be paid XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX spoke with insurance company no payments have been received XX/XX/XXXX spoke with XXXX and he states they are still working on it and it will be paid.
Product: Credit card

Macy 's hitting me with XXXX interest charge on my XXXX balance credit card
Product: Debt collection

On  XXXX ,   XXXX   I closed on   XXXX  se parate homes in  XXXX   XXXX , fl. The closing agency was  PERL ; AND TITLE ANS ESC ROW  SERVICES CORP,   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL.  XXXX   ... the funds were wired to me after  closing.Appx  {$2400.00} was held in escrow for customary reasons . Two days after closing I was notified by my realtor the closing company stated above refused to sent my the funds from the escrow account.They claimed I was overpaid on one of the pro perties and they are holding funds from all  XXXX  properties. Each sale was independently. I was originally told seller proceeds would be {$250000.00} yet I received only appx {$240000.00}. This company is holding my escrow funds illegally. I would appreciate your assistance in resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX 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
Product: Debt collection

I reached out to a company called XXXX XXXX XXXX which intern stated they wanted to charge me {$12000.00} to handle a tax step. I initially signed a contract and the sent my information to a loan company called Monterey financial company. I subsequently canceled my contract and asked that they refund my XXXX dollar deposit in which I was denied normal. Will they cancel my loan with Monterey financial company Monterey is a still attempting to collect {$370.00} from my checking account each month therefore diminishing my credit each month after I have canceled the contract.
Product: Credit card

I hired a company to move me and organize my belongings. The used my card without me my consent and did not do the job they were hired for. The theft of {$10000.00} was reported to my bank in which they gave me some credit, without notice or any investigation they took the money back from my account I disputed this they refunded part of the money, yet to turn around and took it back again without any notice. With the theft and the company not performing the job resulted in my landlord taking my property and a total loss of over {$300000.00} and I am XXXX, over XXXX has caused me to constantly battle homelessness, which I am about to be evicted again. I have tried to get help from over XXXX agencies to be turned away. This complaint is about my bank who did not handle this and other disputes properly, the company who used my card without my consent and threatened physical harm if I reported them, and my landlord who illegally took my property and refuses to return it. This matter has been reported to the police and adult protective services as I am XXXX and feel that my XXXX is directly related to the crimes themselves and my inability to get any assistance in getting my money and property returned to me and the way I was handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

Complaint name : XXXX XXXX XXXX complaint dobXXXX complaint ss # XXXX contents of complaint.This cfpb complaint has been filed pursuant to XXXX XXXX that you transunion, experian, equifax credit reporting agencys block delete information that is a result of idenity theft and fraud within XXXX business days of you receiving this complaint.There is XXXX fraudulent inaccurate accounts : # XXXX self lend acount # XXXX balance of {$63.00} opened fraudulently on XX/XX/year> # XXXX. grain acount # XXXX and # XXXX XXXX XXXX XXXX XXXX acount XXXX balance {$500.00} # XXXX opensky cbnk acount # XXXX balance {$1400.00} # XXXX. XXXX XXXX  acount # XXXX balance {$26000.00} these accounts was not opened made or initiated by me.i am attaching the FTC report # XXXX as proof.delete the aforementioned accounts within XXXX business days or I am filing a lawsuit and demanding {$1000.00} per violation of my federally protected rights under the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are the result of idenity theft/data breach.
Product: Debt collection

XXXX is trying to collect a debt they bought from Capital One and they are no longer Licensed to operate in the state of Missouri
Product: Credit reporting

I have disputed XXXX incorrect addresses reporting on my credit with Equifax over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

The staff at ace cash express intentionally lies about withdrawal fees. This isn't the first time they have done this. I went in to pay my my rent, I already know that my XXXX XXXX charges me to withdrawal cash however she stated XXXX XXXX was charging me {$5.00} dollars flat and ace cash express fee was {$3.00}. At the end of the transaction {$10.00} is unaccounted for and when I asked for the receipt she said there wasn't one. After arguing with her I finally received receipt, which is beyond misleading, and I also get a text message from my card. XXXX XXXX only charged me {$2.00} for withdrawal, which by the way of my card was swiped as paying a bill it would not have charged me st all, so she purposely put withdrawal instead of transaction, and she clearly lied about her fee being as how XXXX XXXX gave me a breakdown and it said {$2.00} was charged by XXXX XXXX and {$7.00} was charged by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XX/XX/2023 ( Original Creditor : ) XXXX Balance : {$73.00} ( Original Creditor : ) XXXX Balance : {$91.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX and XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any 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, Can you reinvestigate my account and if it not 100 % correct can you remove from my credit report according to law 15 USC 1681i make sure everything is complete and accurate Get it motorized 2 provide me a description of how you verified those accounts 3 file a complaint Lay out details n facts 15usc 1681 Eb assure maximum possible accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  reports all CO and XXXX reports all OK? This is way back 2015, clearly this hasn't been investigated properly.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown {$820.00} collection US DEPT account on my credit report. To this day over 30 days over 60 days over a year now I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Yet and still XXXX continues to falsely and inaccurately report US DEPT of ED XXXX as " seriously past due date/ assigned to an attorney, collection agency ... " I have provided attached documents showing proof of the requested validation, and signed return receipts showing that these requests have been ignored. I demand that this account be deleted immediately or I will file for litigation due to the stress you have caused. 

XXXX has also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Which grants 30 days to complete all investigations before the expiration period under section 611 ( a ) ( 1 ). Please note the attached documents, and removethe collection account from my credit or report or I will be forced to seek litigationas a resolution. 

Tracking XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on fixing my credit score being wrong almost two years having wrong information appear, disappear & reappear?! 
I put security alert & freeze & XXXX XXXX opened two accounts in my name? I have XXXX  & i was not protected! 
I began by using transUnion who is removing the negative after Sending them a copy of FTCs letter deeming me a victim along with everything listed on FTCs Recovery Steps! 
On Friday XXXX after getting redirected until XXXX XXXX XXXX, - I began at XXXX XXXX - XXXX, the department connectected me to internet help & specialized Deparemt who tried to swindle me out of {$25.00} telling me I dont have an account & it will cost money to get an account! When I said that doesnt sound right and no, she told me, this is a prank caller so im hanging up ..! A worker in the online specialized department for TransUnion Is Directly part of the our global problem of fraud represent TransUniin!?
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$640.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. 

According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. 

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. 

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Student loan

I am being harrassed by navient over a private student loan I am unable to pay at this point in time due to being laid off work earlier this year. I have explained the situation to the company and the response I received is " it is a private loan so it is your responsibility to pay back or get your co-signer to pay for you. '' I have asked to be put on deferment to which I am refused. They call me, as well as my co-signer every 30 minutes from about 15 different phone numbers.