23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit report/account number XXXX, XXXX, and XXXX. I believe these entries are inaccurate or incomplete, and I request that you investigate the details associated with this account. 

Please provide me with the following documentation to substantiate the claim : A copy of the original signed agreement or contract that reflects my obligation to pay. 
A full payment history or statement of the account, including any fees or charges that were added. 
Any other relevant documents showing that I owe this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute any debt that I believe is incorrect or incomplete, and I am requesting that the account be removed or corrected as necessary.
Product: Checking or savings account

ON XX/XX/2019 I closed my savings account with Bank of the West. I was given a receipt showing {$0.00}. When asked why I closed the account, I stated that I did not like the {$15.00} service fee I was charged a couple of months before. 
I got another statement from Bank of the West for the period of XX/XX/XXXX - XX/XX/XXXX indicating that I had a negative balance of {$15.00}. 
I called the XXXX number and explained what happened and stated that I would have been upset but would have accepted another {$15.00} fee when I closed the account but couldn't accept the fee being charged retroactively. The representative stated that they would waive the fee. 
Imagine my frustration when I received a letter from Bank of the West stating that I was responsible for an overdraft amount of {$30.00}!
Product: Credit reporting

I did not authorize inquiry by XXXX XXXX XXXX on XXXX XXXX, 2016 and I suspect attempted ID theft.
Product: Money transfer, virtual currency, or money service

I've been using XXXX  for a few months now ( Since XX/XX/2019 ). I use the feature called " round-ups '' that takes the remaining amount per dollar and puts it in a savings account. I was notified that my card was no longer linked so I went online to update my info ( I assumed it was because I had gotten a new ATM card ). Although when I tried to update my information i was notified that PNC was the reason it was not working as they have " taken away '' permissions from the XXXX platform. I was then directed here to file a complaint. I am curious to know when this was stopped, and also why? 


Thank You!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Money transfer, virtual currency, or money service

paypal permanently limited my account. i have money there and i can't get the money until 180 days which is not okay for me because i need the money to widraw as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have contacted Upgrade , Inc. to confirm receipt of a balance transfer in the amount of {$4000.00} from my Upgrade card account # XXXX to my XXXX XXXXXXXX XXXX credit card. The transfer was initiated on XX/XX/XXXX. Upgrade claimed that the balance was not transferred and they put me through many hours of phone calls and requests to have this investigated. This entire time, my balance has reflected as {$4100.00} on my credit report. As of XX/XX/XXXX, my balance on my Upgrade Statement has reflected {$0.00}, which confirms that the balance transfer posted, but they still at this point have not updated my credit report to reflect that my balance is {$0.00}. I attempted to get this corrected with the credit reporting agencies and only XXXX updated by credit profile based on the evidence I provided. XXXX and XXXX still has not updated my balance to the correct {$0.00} balance. On XX/XX/XXXX, I reached out to Upgrade, Inc. via email and provided them with the evidence of the cleared check that XXXX XXXX XXXX provided me. Note : per my request I requested for XXXX XXXX XXXX to conduct an investigation. Upgrade , Inc. said that they would update the credit report and it will take 45 - 60 days to reflect on the credit report. Per the evidence provided by XXXXXXXX XXXX XXXX, the check cleared on XX/XX/XXXX. At this point the 45 - 60 day period has passed twice and my credit report for XXXX and XXXX still reflects that I have a balance of {$4100.00}. I only want the balance to reflect the correct balance of {$0.00}.
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account is closed and paid off but still reporting as negative on my credit report since XX/XX/2014 there is a XXXX balance the highest balance was {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Product: Debt collection

Hello, I had a collection account with Convergent regarding a XXXX phone bill. They made an offer on the online account they had for me, and I paid the amount that was due. The debt that was owed is still showing on my credit, and the company is still asking me to pay for more money on their online account. I am asking Convergent to update that I no longer have a balance as it is illegal to not update that I have paid my balance ; therefore, showing inaccurate information to the credit bureau. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a paid-close account ( XXXX XXXX # XXXX ) opened XXXX. My issue with the account was not resolved. I spoke with XXXX XXXX on XXXX about my account # XXXX and having it removed. The agent informed me that upon completion of payment for the account XXXX XXXX sent out a notice to have it as paid status and removed from my credit report. She also stated that I would have to contact the credit reporting agencies to inform them of this and to have the account removed from my credit report.
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights. They are fraudulently letting XXXX XXXX XXXX in XXXXXXXX XXXX  XXXX report a fraudulent account on my credit profile. 
I have never heard of this company, nor should they have any information of mines. I was suspicious so I looked this company up on my Secretary of State website and seen that they arent even licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. Im asking you to enforce the laws on TransUnion for failure to investigate as Im a federally protected consumer. I will also be reporting both TransUnion and XXXX XXXX XXXX to the IRS filing out form XXXX XXXX information referral for unreported income since TransUnion gets paid from this company and this company isnt licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. If the account isnt removed in 30 days, Ill also be filing and sue both companies for defamation of character. They are making me look non-creditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I havent been able to sleep at night due to the finally and emotional harm these 2 companies has caused. I know that XXXX XXXX XXXX pays TRANSUNION to report inaccurate information and TransUnion refused to give me a fair investigation for their financial gain.
Product: Mortgage

I have a Satisfaction Of Mortgage that Dates back to XXXX XX/XX/XXXX recorded with Register of Deeds here in XXXX Wi. Chase our Current Lender states not Chase Loan. I found that was a XXXX  XXXX XXXX Loan.I also found out that I have a S.O.M, with Chase Which is recorded with our Register of Deeds Here in XXXX Wi. 
on XXXX is fully paid and Satisfied, also certified by Register of Deeds here in XXXX Wi. Letter from office of Comptroller XXXX. S.O.M. 
loan started in XXXX, was paid off XXXX.Letter from XXXX XXXX XX/XX/XXXX XXXX XXXX Loan Holder , XXXX XX/XX/XXXX XXXX Balance . 
Note XXXX XXXX XXXX XX/XX/XXXX Wi. Statute XXXX { XXXX } XXXX { 10 } { A } Letter to Director of Civil Operations XX/XX/XXXX. Comments on XXXX? 
XXXX XX/XX/XXXX Mortgage Settlement Nothing from Them.. Wi. Law.. 
Housing Market Crash of XX/XX/XXXX. This is were our mess started.S.O.M. 
From XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX back to XX/XX/XXXX. 
A E-Mail from a Mortgage Analyst XXXX XXXX. That the Mortgage is Satisfied From Chase. This has been going on for Years.. I have paid Chase over {$60000.00} since XXXX. Refund? Or Just Close our Current Account paid in Full. XXXX Years Old, lost my Wife this past XX/XX/XXXX. 
XXXX years old.Lets Doe Something.??
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information.
Product: Checking or savings account

Opened account XX/XX/XXXX with referral link : XXXXXXXX XXXX XXXXmoneylion.comXXXX XXXX  XXXX Completed requirements for bonus as outlined in terms and conditions at time of opening XX/XX/XXXX XXXX XXXX XXXX XXXXwww.moneylion.comXXXX XXXX XXXX Referrer must send Referred Individual their unique referral code by following the prompts in the MoneyLion App.

2. The Referred Individual must download the MoneyLion App and register as a MoneyLion user.

3. When prompted during the registration process, the Referred Individual must input the unique referral code sent by the Referrer.

4. The Referred Individual must open a XXXX account. 

Referred Individual must switch their direct deposits to XXXX : Set up a minimum of {$100.00} recurring direct deposit into XXXX, which must appear at least twice in the XXXX account. '' Received XXXX direct deposits ( only XXXX required ) : XX/XX/XXXX {$100.00} XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} Contacted customer service via email over XXXX times incl. XX/XX/XXXX, XXXX, XX/XX/XXXX. Told via email XX/XX/XXXX " I do see your valid referral and the {$50.00} Direct Deposit Bonus ( " Reward '' ) processing. Please know it takes up to 14 days to be deposited after youv'e met the requirements, so looks like you got a few more days to go. '' and then never received bonus despite multiple outreach and escalation attempts. Given the runaround and lied to multiple times by agents contradicting written terms and conditions.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( a ) ( 1 ) : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. With this in mind, I have some concerns of codes being broken by XXXX, transunion. XXXX and TransUnion are reporting my transactional history of my credit card accounts with XXXX, XXXX XXXX, and XXXX XXXX. 15 USC 1681a ( d ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A consumer report Does NOT contain information based solely as to transactions or experiences. My credit utilization and balances are 100 % transactional history and need to be removed from my consumer reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX 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 DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Other financial service

I am dealing with www.Remitly.com. This website lets you send money to several countries. I sent {$510.00} to foreign country. After 3 days they claimed recepient account information is incorrect. 

So I asked them to allow me to fix it. Their website does not have ability to even view recipient details after a recipient is set up. And there is no way to amend it. 

They insist on amending recipient details on phone only. Without showing me what are the recipient details they want to amend on phone. Which makes it VERY suspicious scam to hold money as long as possible. 

Given this frustrating experience, I asked them to cancel transaction!!! And it takes them 10 days to cancel it. 

This is nothing short of scam. Money transfer services must be regulated further.
Product: Mortgage

Requested a payoff from Huntington from a property that I own. Once I received a payoff, I discovered that we were $ XXXX off. After countless hours of research I figured out it was due mainly to escrowed insurance. I switched to XXXX insurance. They bill in 1 bill. Huntington applied the total bill to EACH property instead of breaking it down between the two. This started in 2018 I am finding out. XXXX reimbursed the overpayment, ( roughly {$8000.00} ) which was supposed to be applied to escrow. It was not. Nor was it applied to principle, nor did it stay in my account. They can not find it. 
Huntington put " force placed '' insurance on the property. I have tried and tried to work with Huntington.

Huntington " accidentally '' foreclosed on the property. Only to admit a mistake and reverse it. They have foreclosed AGAIN. I am locked out of my account. Huntington says it's in " active '' foreclosure. The attorney assigned says it's not. Neither will speak to me. 

I have roughly 4 inches of documents supporting my complaints. I have roughly 100+ hours invested in rectifying this mess. I have filed FIVE internal complaints with Huntington. NONE have been addressed. My attorney has sent them a letter asking for them to immediately get this resolved with me. Huntington didn't even RESPOND to an attorney. 

I have filed a complaint with the XXXX, they advised me to file a complaint here as well. This case involves tresspassing, massive credit damage, a roof that is continually damaged with each storm and needs a new roof. The buyers of this property need a deed to do so. My credit has dropped nearly XXXX points from their repeated hits. The sheer ridiculousness of this case is beyond belief. My attorney has heard all of the details, reached out to Huntington. No response. I am being referred to an attorney for further litigation/lawsuit. I again, was also advised to file a complaint here. Lastly, I will be contacting a major news station that deals with these ridiculous cases to expose Huntington if this is NOT resolved.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/2023, around XXXXXXXX XXXX I found that all my SHIBA coins and ETH coin were gone/stolen without my authorization. I have no ideas how this happened. 
I have tried to reach the Trust Wallet support but they didn't reply to me. Only an AI is available.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Vehicle loan or lease

I contacted my loan provider and made a payment a few months ago. i was late so there was a late fee and the agents on the phone asked me if i wanted to pay the late fee. i told them i did and my card was charged for the regular payment amount plus the late fee. this happened a couple more times, making a payment late and adding in the late fees to the regular payment, in a row untill i noticed the late payment fee was really big. when i asked the agent why the fee was so large i was told that the extra payments had been going to the principal not the late fees, the company policy was to apply any extra payment when a payment is paid late to the principal. every time i called i was asked if i wanted to pay the late fee which i said i did. i was never told that the payment would not be applied to the late fees, in fact they asked if i wanted to pay the late fees knowing the payment extra would not be applied to the late fees. i spoke to a supervisor to ask that the payments i intended to be applied to the late fees be reallocated from the principal to the late fees owed, but was told they would not be doing this.