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

Initiated a Western Union money transfer to a friend in XXXX on XX/XX/2018 for {$180.00}. Shortly thereafter I received a request via email for numerous pieces of ID for the recipient before the money would be released from the hold placed on the transfer by Western Union. 
The recipient went to their nearest Western Union Office but was unable by showing their ID to get the funds. 
So I went to my local XXXX XXXX  and had them initiate another transfer through Western Union. For this second transfer the recipient was able with his ID to go to the local  Western Union office and obtain the funds. 
I am now trying to cancel the first transfer and have my funds minus any fees returned to the bank account from which the funds were withdrawn, Western Union is demanding that I supply the ID of the recipient before they will return my money. It is an unreasonable demand and I do not have access to the information they are requesting. 
I have already sent a copy of My WA State Driver 's License to XXXX as requested by thier customer service personnel. Just moments ago I received an email from Western Union informing me that they needed the recipient 's current address and city of birth plus a front and back copy of agovernment issued ID. This is a scam to hold onto and use my money.
Product: Student loan

I received a notice of letters in my XXXX paperless inbox around XX/XX/XXXX and found two notices, which led to this chain of events. 

XX/XX/XXXX : XXXX notice to recertify IBR XX/XX/XXXX : XXXX notice that I did not respond or select a repayment plan. 

XX/XX/XXXX : I filed the IBR payment plan request on XXXX and submitted the certification on studentloan.gov. I have zero taxable income and have not filed a tax return in many years. 

XX/XX/XXXX : FedLoan notice that my request to be removed from IBR and placed on a standard plan had been received XX/XX/XXXX : FedLoan notices about the new terms and that I must make a payment before my transfer to the standard plan could be completed. 

XX/XX/XXXX : I used the XXXX contact and alerted them to the fact that the notice they just sent was in fact opposite to what I submitted and that I want to remain on IBR. I received an email confirmation that they received my request, but no other reply. 

XX/XX/XXXX : XXXX email that my monthly billing statement was availble. 
XX/XX/XXXX : I used the XXXX contact form to again alert them to the issue and received a confirmation email, but again no reply. 

XX/XX/XXXX : XXXX has re-sent the monthly bill notice. 

I 'm filing this complaint after having a quick internet search and seeing a lot of other people dealing with shady practices from XXXX. At the very least I want to establish a record that I have been trying to address this issue outside of the XXXX website ( which does n't give me a record of the correspondence I have sent except the email confirmation that 'something ' was received ). This whole thing looks like some kind of trap to get me to make a payment to get me off the IBR plan. Besides not having the money to make the payment, according the letters I have received, doing so would effectively 'seal the deal ' to remove me from IBR ; hence, I have no intention of getting someone to make the payment for me either.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Prepaid card

I never received my stimulus payments from XX/XX/XXXX ( {$1200.00} ) and XX/XX/XXXX ( {$1400.00} ) so I contacted DIRECT EXPRESS/COMERICA BANK and asked for an investigation along with the bank statements to conduct my own investigation..once I filled out the paperwork sent from DIRECT EXPRESS I waited several months only to be told they couldn't do anything because " I exceeded the time frame '' ..after complaining for several months i was told to contact the IRS..I sent the IRS several tax forms and other information and spoke to several agents over 8 months and was told by a higher up that a XXXX XXXX was done and DIRECT EXPRESS/COMERICA BANK were holding the money so long IT EXPIRED..I was sent XXXX letters from the IRS showing that DIRECT EXPRESS/COMERICA said they received the money but never deposited it into my account on XX/XX/XXXX like they said they did..for the record DIRECT EXPRESS/COMERICA BANK is already in a class action lawsuit for withholding other people 's stimulus payments as well
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C
Product: Debt collection

I get 3-4 calls a day from Comenity Bank about a debt collection. The calls are frequent and It made my job difficult to do since I need to answer and reply to emergency requests.
Product: Debt collection

I have already reported this company to the XXXX XXXX XXXX. And now I am reporting them to you all because they are trying to pin some erroneous debt on me saying I owe some membership to some gym, which I DO NOT OWE WHATSOEVER.!!!! They sent me a copy of the forms and they said they have a copy of my license.to which they showed an old license of mine that I havent seen for yearsnot only that Ive told them this account is fraudulent and they told me to provide an identity theft report to them, but never said where to send it. Im so sick of this company as I have read multiple reviews about their tactics and bad practices and this just confirms it. STOP TRYING TO OIN THIS FAKE DEBT ON ME!!!!! AND NEVER REPORT IT TO ANY OF THE CREDIT BUREAUS OR YOU WILL BE SUED TO THE HIGHEST EXTENT ALLOWED BY THE LAW.!!!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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 ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX XXXX, Account # : XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Debt collection

I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection. The information on this collection account is extremely false and fraudulent. It states a date of service of XX/XX/XXXX with an innacurate service address. The apartment I reside at was yet to be built in XXXX. The account now states that it was in collection on XX/XX/XXXX. This original creditor has tried to open a collection in my account in the past which I also disputed and was taken off my credit report and is now reopening a collection under a different agency. 
This is against the Consumer Financial protection bureau and this collection agency is violating the Debt collection practices. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this collection account from my credit report if it is found to be inaccurate. 

I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. Sincerely,
Product: Credit reporting or other personal consumer reports

MY NAME : XXXX XXXX XXXX. 
NOT : XXXX OR XXXX XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND FRAUD BY XXXX XXXX XXXXXXXX XXXX XXXX  ( NO CONTRACT ASSIGNMENT ) AND RIGHT XXXX. 
{$1600.00} WAS STOLEN FROM ME. 
ILLEGAL NAMES ON CONTRACT AND CONTRACT NOT ENFORCEABLE AND ALL ARE FRAUDS. 
DELETE OFF ALL MY CREDIT REPORTS FCRA 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I am contacting you because once again XX/XX/2018 XXXX credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.
Product: Student loan

Payments I 've made on Navient online payment site, from  XX/XX/XXXX  to  XX/XX/XXXX , are not accurately recorded. Navient Customer Services have been contacted to verify the payments. Unfortunately, the representatives could not clarify why there were discrepancies stated on my online account during the following dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  A total of {$1100.00} not been recorded properly. A letter and supporting documents will be sent to Navient Office of the Customer Advocate :   XXXX   XXXX   XXXX    XXXX , PA  XXXX .
Product: Debt collection

I have no knowledge of this debt with Credit collection Services and this collection account is not mineXXXX.I mailed a letter to the collection agency via certified mail to inform them of my dispute of the debt on XX/XX/year>. On XX/XX/year> they mailed out a letter to me ( received it XX/XX/year> ) that in order tfor them to take further actions, they must received information about the dispute. In the original letter mailed to them, I included all my personal information including name, address, date of birth, account number and social security asking them to send me my wet signature, and all paperwork related to the claim that I owe {$490.00} to progressive. Then then reported to the credit bureaus on XX/XX/year> that I am deliquent again affecting my credit score significantley.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe XXXX with interest in student loans, Experian has a duplicate loan reporting on my credit report. The total of the duplicate loan is XXXX, this total is listed for both XXXX and XXXX. XXXX transferred all of my current loans to XXXX and the actual balance I owe without interest is {$9100.00} and with interest the total is {$10000.00} as previously stated. Experian has stated they've confirmed their information is accurate when it is CLEARLY in accurate in black & white. The total amount in Student Loans Experian is reporting reflects {$13000.00}. The correct account reporting under XXXX should remain and the XXXX account should be removed ASAP. ALL XXXX were transferred to XXXX and it is attached to this dispute with the actual XXXX notice!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

XXXX and XXXX XXXX used deceptive practices that violated FDCPA in collection of debt. They continue the collection on expired debt, which is a violation by falsely stating they send notice of the XXXX to XXXX through XXXX Mail, which is dated XXXX ( XXXX ) months after serving a garnishment to bank when the notice should be received prior to. This debt was purchased from Capital One Bank back in XXXX. I am an injured worker with low-income wages, receiving state assistance for food and healthcare. I have only been able to work XXXX hours per day, which is XXXX to XXXX hours a week since XXXX. I have told this to XXXX and XXXX a XXXX times ; however, they continue to pursue collection. I want them to stop collection because I am not able to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXXEquifax A XX/XX/XXXX {$15000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF {$0.00} THIS ACCT. WAS NOT A CHARGE-OFF, THIS ACCT. WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX. PLEASE CORRECT ACCORDINGLY ... THANK YOU
Product: Vehicle loan or lease

I went to Mercedes Benz of XXXX to initiate a consumer credit transaction. They ran my credit and told me I had a XXXX credit score. But they can not get me approval. The dealer ship is under Truth in Lending 15 USC 1601. Truth in lending clearly states that I have a open ended credit plan. Mercedes ran my credit card and after was acting adverse to my interest in purchasing 2021 XXXX. All I need to give them is my signature. I gave them credit and got nothing in return. Mercedes is in violation of truth in lending. 15 USC 1602 j states that I the consumer, original creditor have an open ended credit plan. Now why would Mercedes act adverse to me after I gave them credit. Mercedes is now impeading on my ability to provide for my son. 15 usc 1681m clearly says nothing about denial of credit. Because I am the original creditor. I extened credit to Mercedes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my Transunion and XXXX Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on Transunion as XXXX XXXX and on XXXX it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.
Product: Mortgage

On XX/XX/XXXX I called my mortgage company Wells Fargo to inquire about an endorsement for a check to repair my roof. During the call I heard a recording that said that my home was in foreclosure and scheduled to be sold on XX/XX/XXXX. As a result of the recording, I asked for additional information and was told by a representative that the foreclosure was filed on XX/XX/XXXX. As of today, I have not received a written notification that my home was going into foreclosure. I spoke to my lender on XX/XX/XXXX and was told that I didn't have a mortgage payment due until XX/XX/XXXX per the attached statement. After speaking to them on XX/XX/XXXX, I received a statement demanding that I pay at total of XXXX, however, it still does not indicate that foreclosure proceedings have started on my property. I am deeply concerned about the handling of this matter and don't understand why I wasn't given any type of notification.
Product: Mortgage

On XX/XX/XXXX, I sent a request to AmeriSave for to start the process for pre approval on a mortgage. The initial conversation was done through the company 's chat platform. This is where I began the loan process with XXXX XXXX the Loan Originator.

The conversation consisted of questions regarding how much I would like as well as the down payment I would provide and various personal financial information. I was provided with a pre approval by screenshot stating that my rate would be 5.75 % and I was preapproved for $ XXXX. XXXX then stated that he would like to continue the conversation over the phone. After calling he stated that I could lock the provided rate in with a {$500.00} deposit that would go to the closing costs at the end of the process. This was referred to as XXXX. I stated " No, I would not like to pay the {$500.00} but can we still continue, '' He states that if I do not do this I risk having a higher interest rate if we wait until the underwriter reviews this application. I then agree to pay and lock the rate in and receive a preapproval letter ( attached ) stating that this is a ready buyer preapproval for the desired amount. However, the document does not state that the rate is locked. After waiting a day, I receive another document letter stating a completely different rate and amount titled Certified Pre Approval on XX/XX/XXXX. This amount was significantly different than the original " Locked '' rate. I make several attempts through email and phone to communicate with XXXX regarding this and request for a refund. after multiple failed attempts, He finally answers my call and states that he would like to see if he can increase my amount first. I tell him that this is not necessary and that I would like to process the refund. After this I do not receive a response. 

I attempted to contact XXXX on XX/XX/XXXX, he answered, stated that he was out of office and would be back in the office on Monday XX/XX/XXXX to discuss the refund with his manager. It is now XX/XX/XXXX, He will now not return my calls. I also attempted to contact the customer service and was told I had to contact XXXX for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Select Portfolio Servicing, Inc ( Home Mortgage ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX As of XX/XX/XXXX, XXXX XXXX, is the legal owner of the property, XXXX XXXX, XXXX, TN. I have enclosed the Quit Deed for your review. This case has been in legal litigation here in XXXX, TN. I am requesting you to immediately stop reporting this Home Mortgage to the credit Bureaus and Remove this tradeline from my credit profile. In addition, you have falsified my credit profile since XX/XX/XXXX. I have not paid you any money since XX/XX/XXXX. However, you continue to falsify my credit report as if I have been paying you. On my credit report it shows 120 days late since XXXX. However, you have erroneously and willingly reporting current late payments monthly from XXXX until present. This address should have been in foreclosed years ago. I have telephoned you and written you on this matter and you have ignored my requests. To date, you have not corrected this issue. I do have a record of my certified mailings with my letters. 

In addition, I am requesting my mortgage documents as I have enclosed within this letter. This is my second attempt. This is my right under the Real Estate Settlement Procedures Act of 1974 in which you have already violated. If I do not hear from you within 15 days, I will seek legal counsel. I am a current widow, and this has caused me great mental anguish since the passing of my husband in XXXX. I pray you have compassion and humanity in your heart to do whats right especially during a Pandemic. I should be enjoying retirement, However, at my elderly age I have to worry will I be able to purchase items needed for daily living.