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

Last week on the XXXX, I received a Worldremit XXXX XXXX notification that I had had approved a money transfer to XXXX XXXX ( I don't know who that is ) through my account. 

I knew it was fraudulent right away. I tried calling Worldremit at about XXXX to XXXX XXXX but their offices were closed. I tried deleting my cards from the app, but the system would not let me. I tried changing my password,, but it would not work. Only an online chat agent was available and yet they could not help me. 

I was driving with my mom. I was so stressed that it triggered XXXX XXXX XXXX for me and I had to pull over. 

No one has called me. No one has followed up. My cards and my family is still at risk today. I suffered damaged. Please suspend this company.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXXXXXX XXXX XXXXXXXX Partial Acct # XXXX
Product: Debt collection

I have private student loans with Discover Student Loans. I misread my statement and thought that my payments weren't due until XXXX when I was initially notified. Unfortunately, for the past two months I have been severely inundated starting a new job, having significant health insurance barriers, preparing to testify as a victim of XXXX XXXX  in an upcoming trial and working with the XXXX rights group in my state to file a state and federal complaint against a doctor who was abusive and discriminatory towards me. I have been receiving no less than FIVE phone calls per day from Discover - DAILY - about my bill that is not even one month late. I have outreached them 3 times this week alone to STOP calling me because I would be calling tonight XX/XX/21 at XXXX XXXX  EST. The continue to call me. I blocked their number and told them to notate on my account that I had to block their number because of their absolutely predatory and harassing behavior. This has been an enormous disruption of epic proportions to my work as well as my personal life. I JUST GRADUATED IN XXXX. I will absolutely be having these loans subsidized or refinanced or bought out by literally ANY other agency because this is not the first time that Discover has done this to me. EVERY time I have a late payment - which happens for absolutely legitimate reasons - they harass me AND the co-signer this way. This is so far beyond unacceptable and I have reached out to legal counsel about this matter. I don't have time to be calling them and filing complaints all XXXX day while I'm trying to work - this job is what will be paying their stupid loan bill so you would think that they would use an OUNCE of discretion in helping to preserve that. I have never been so outraged in my life. I have medical bills in collections for 3 separate agencies and even THEY don't call me more than 1-4 times PER MONTH! Furthermore, I was forced/threatened by the co-signer into signing these loans as a young adult so to have them repeatedly harassing me then harassing the co-signer who then ALSO harasses me is horribly triggering for my XXXX symptoms and is violating. This is the most disgusting debt collection behavior I have ever dealt with and I absolutely will not continue to tolerate it. We are still in a pandemic. I had to work 3 jobs and a full-time XXXX  just to pay a REDUCED loan rate with them while I tried to finish XXXX XXXX. They are absolutely abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently received a copy of my credit report and found the follow inquiries that were not authorized by me. XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX, XXXXXXXX XXXX XXXX Bank ) XXXX XXXX, XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX.
Product: Debt collection

My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing ( a ) incomplete, inaccurate, unreliable and missing information ( b ) obsolete and outdated information that should no longer appear ( c ) information that possibly reveal medical information ( e ) incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' ( e ) incorrect payment status ( f ) more than XXXX delinquent date ( g ) wrong notation for closed accounts ( h ) failure to correct misrepresentation and accounts that have been remedied ( i ) refused to investigate the disputes before continuing to collections.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, Lendingpoint withdrew {$170.00} for a loan payment, which was fine. However, on XX/XX/year>, they withdrew another {$170.00} without my knowledge or permission. That caused a {$30.00} fee for insufficient funds in the account. They have agreed to repay the second withdrawal, although that hasn't been done yet. But the issue is that they refuse to pay the {$30.00} fee, which was 100 % their fault.
Product: Debt collection

Repeated phone calls from this company with a recorded message saying a formal complaint has been filed against me that morning. But each day its that morning. I have asked to not be contacted as they can not provide any information to what they are trying to talk about. They want all of my personal identification first and Im not going to give it to them without knowing what they want
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CITI ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX : # XXXX, Account name XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit report on XXXXXXXX XXXX  and noticed some things are incomplete and not accurate. And according to 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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, 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.

and according to 15 USC 1681s-2 they are suppose to 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/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
Product: Debt collection

On XX/XX/2023 around XXXXXXXX XXXX  received a knock on the door from an assumed process server. The man handed me a fax copy letter with my service address and another address of an unknown party. I contacted XXXXXXXX XXXX XXXXXXXX and was unaware of the process server. The debt collector information XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX. This year I was unable to renew my registration because the year on the title of my vehicle is incorrect. The year of purchase on the car is listed as XXXX instead of XXXX. The California XXXX confirmed this and requested a title modification in order to renew our registration. 

I've been calling Infiniti Financial Services ( IFS ) since XXXX and they said that they will get this problem resolved. We are in XXXX now and my car no longer is eligible for a temporary registration. I STILL have an error on my title and I am making payments for an XXXX that I can not drive. 

I just spoke with an IFS agent for an update, and from my understanding the title has been reviewed and sent to the dealer for a modification. HOWEVER, the XXXX XXXX XXXX is PERMANENTLY CLOSED. They have not followed up with this issue nor have they checked their facts to realize that there is no one at XXXX XXXX XXXX dealership to accept their request. 

I spoke to another local dealership and they advised me to get in contact with XXXX XXXX XXXX. However, all the numbers provided were dead ends. 

I keep getting brushed off and ignored and neglected.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These items have significantly impacted my life, causing considerable stress and XXXX. I must emphasize that I did not authorize or consent to this information being associated with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have no knowledge of XXXX XXXX. I am writing to dispute this information. 15 U.S. code 1692 states that I have a right to privacy and a debt collector, has to have my permission and consent to text, call, or email me. I do NOT consent and am at will to SUE! Section 604 15 US Code 1681 B states you do not have the right to report anything on my credit report without my written consent. THIS IS IN DIRECT VIOLATION! 

Please DELETE XXXX XXXX from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TNXXXX  ( XXXX ) XXXX HEALTHCARE RECEIVABLES Original creditor : XXXX XXXX {$1900.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection
Product: Mortgage

Chapter XXXX Bankruptcy due to Mortgage Fraud, XXXX XXXX XXXX forced into Ch.XXXX to prevent illegal foreclosure. Ch XXXX paid in full in Texas - XXXX XXXX. BK closed XXXX XXXX. Beginning XXXX XXXX, Trustee ordered the payments be made directly to Select Portfolio Servicing. Every payment was made on time. However, SPS refused to take my account status and reporting out of bankruptcy status and refuses to report my excellent credit history to all XXXX credit bureaus, preventing me from refinancing at a lower interest rate. I was transferred to SPS while in a loan MOD with XXXX, who were the ones that illegally foreclosed on me while loan was being transferred from XXXX XXXX, another key player in the Mortgage Fraud Scandal in XXXX. I have been confirmed a party in this scandal by US Treasury and was part of the Federal Investigation into XXXX. I have been identified at least once in Class Action Suit with XXXX. I was originally compromised with XXXX, then XXXX through their collection company XXXX to XXXX to SPS. I want my credit cleared and I want to have nothing to do with SPS ever again. Per legal counsel, the laws will no longer protect me to file a suit against these predators, because they are protected by XXXX XXXX Conspirators and they own crooked politicians and federal courts/judges. However, I can use the consumer credit organizations to correct my credit report and get out from under these predators that would like nothing more than to take away my home from me now that I am no longer protected by Chapter XXXX. It was also brought to my attention from legal counsel scouring my loan documents that the interest rate that I am being charged is .08 % too high and I have no idea how long that has been going on. Any type of research you do on SPS will show you that they are financial predators and they break the law everyday. I want them to correct my credit history and to release my loan. I also want to be compensated for the overages in interest they have stolen from me. I also want to add that they refused a MOD to me after painless requests and documentation was sent to them over and over again by a professional MOD non profit agency. They lied and said that I did not qualify and changed the figures that I sent them, preventing me from obtaining a much lower interest rate that I qualified from the US Government. This was after I went through the entire MOD process with XXXX and I was, against my will - transferred to SPS and PROMISED that SPS would process the MOD they had started but they never completed it or had any intention of completing it. After over a year of being in MOD limbo, I just gave up. Which is a pattern of how they operate. I suggest you refer to Select Portfolio Servicing Fraud XXXX page to see the victims of their crimes, new people join it daily and post the same story as mine. Why would the Federal Government let this happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XX/XX/XXXX, credit limit XXXX  Inquiries made by unknown Identity theft Company-XXXX  date XX/XX/XXXX Company- XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Company-XXXX XXXX XXXX date XX/XX/XXXX Company- XXXX XXXX XXXX Date- XX/XX/XXXX Company-XXXX Financial Date- XX/XX/XXXX Company- XXXX XXXX Date- XX/XX/XXXX Company- XXXX Card  Date XX/XX/XXXX & XX/XX/XXXX ( 2 Inquiries ) Company- XXXX XXXX  Date- XX/XX/XXXX Company-XXXX XXXX Date- XX/XX/XXXX Company- XXXX XXXX XXXX  Date- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$420.00} XXXX - XXXX - {$420.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : After reviewing my credit report, I have identified certain item ( s ) that contain inaccuracies : XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
In accordance with the Fair Credit Reporting Act, I insist that these items are thoroughly investigated and eliminated from my report. I understand that you will contact the respective creditor to verify these disputed items. Please expunge any information that lacks verification from the creditor 's end. I am aware that under 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter. 
Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no fee for this updated report. Additionally, I request that you notify anyone who has received my credit report in the past six months about the corrections made. 
Thank you for your attention and assistance in resolving this matter. 
Sincerely, _____________________________________ XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX mailed a letter tracker XXXX AND ALSO, On XX/XX/year> mailed a letter tracker XXXX to Experian demanding the immediate removal of this inaccurate information and request an updated copy of my credit history report. Over 7 months and one month ago with no response or deletion from credit history and its hurting my availability to obtain credit. 
On XX/XX/year> with tracke : r XXXX ( XXXX ) On XX/XX/year> with tracker : XXXX ( XXXX ) I kindly ask to DELETE. Please Help, Thank you!