23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDispute XXXX XXXX.Dispute XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX   XXXXDispute XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ftc violations XXXX CONSUMER XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable onlinXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable address that are not mine and names XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, TX XXXX XXXX XXXXY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX CT LA XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Transunion : XXXX has violated my rights USC 1681 section 602 states that i have the right to privacy.

15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The late payment is inaccurate and needs to be removed.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} ; XXXX XXXX XXXX XXXX XXXX {$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Pursuant 15 usc 1681 Equifax is liable for reporting accurate information on my consumer report. Equifax continued to give out incomplete and inaccurate information after I requested several times via certified mail to investigate and correct inaccuracies. 
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Product: Payday loan, title loan, personal loan, or advance loan

The Last Time before XX/XX/XXXX that I took out a payday loan with them was in XXXX. XXXX was going on. So, on XX/XX/XXXX I ran into a little financial trouble and put in online for a payday loan. It was approved. Only problem was they had my old banking information. On an XXXX XXXX Account that's been closed since XX/XX/XXXX. They had an option to add a debit card. But, none to change the banking information. So, I added my debit card. Thinking the funds would be deposited there. Then no funds were deposited on the Card and XXXX XXXX said. They never would get the funds because with the account being closed. It would reverse ACH back to XXXX XXXX. I called XXXX XXXX on XXXX XXXX to inform them. They agreed to what XXXX XXXX Said. Then on XX/XX/XXXX. Early XXXX XXXX. in the morning they debited my Card for {$240.00}. The {$200.00} That I never received. Plus {$40.00} interest on funds never received. Then I called in XXXX  times. The Customer Service Reps were rude. The last one claimed her Supervisor said that the Bank Statement from the closed account showing closed. Where no deposit could be made. Because, it was closed was not good enough. Sir, Ma'am I'm XXXX and on a fixed income. These folks are being very preditory and thievish. They're robbing people without a XXXX. I need my {$240.00}.
Product: Debt collection

I agreed to have my checking acct debited for {$50.00} which included a processing fee on XX/XX/2015.The representative told me to make that agreement so i can take advantage of a settlement offer of {$290.00} instead of the actual total of $ XXXX.i told the representative that i was on XXXX and did n't receive any income as of yet.The representative urged me to setup the agreement and that she will call me back by XXXX/XXXX/15 in order to make sure that i would still be able to agree to the arrangement and to payoff the balance.I never received a call so i called XXXX on XXXX/XXXX/15 to check the status. A different representative took my call and was n't very helpful, i was put on hold several times.i was calling to check the status and inquire about the missing phone call.i was told that the representative who assisted me XX/XX/XXXX was n't available. i felt that this representative did n't know what she was doing and i told her i needed to give them a call back because my phone is now dying due to being on hold by her.It is XXXX/XXXX/15 i just called XXXX in order to talk to the representative that i set up the agreement with and was told that she is no longer on my file and that she ca n't offer me the same agreement because i did n't call in, and that the {$50.00} i let them debit from my account will go towards the full total of $ XXXX.I told this rep that i was waiting for a call from XXXX and that i would not have made an agreement on {$490.00}. i asked her if she can make an agreement on the original {$290.00} minus {$50.00} that i already payed. she told me she could n't do that. i felt that was unfair and deceptive and i told her that i was n't going to make and agreement on a higher amount. i hung up with her.
Product: Money transfer, virtual currency, or money service

International wire sent by me from my business account. 
Funds were not forwarded to the designated beneficiary. 
PNC advised they are still holding my funds but refuse to release to me. 

Please ask them to return my funds to my account. 

Their failure to timely do so is costing my company {$49000.00} per day so time is of the essence. 

XXXX XXXX XXXX
Product: Credit reporting

XXXX obtained a copy of my credit report on a debt that had been paid. I called Experian and asked why they were able to obtain my credit report when no permissible purpose was granted and they have no permissible purpose. 
" FCRA 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe " FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec-tion 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. '' ( A ) intends to use the information in connection with a credit trans-action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; '' The FCRA does NOT limit a consumer to {$1000.00} per violation. That limit is for statutory damages under the FDCPA, not for civil liability under the FCRA. 
Civil action under the FCRA is covered under FCRA 616 for Willful Noncompliance, and FCRA 617 for Negligent Noncompliance. 
FCRA 619 provides that " any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. ''
Product: Checking or savings account

I opened an account for my business here. I went through the entire lengthy process requesting documents back and fourth phone calls interviews about the business etc. etc. Finally everything is open finally and im good to go. I switch everything over rent monthly payments etc. etc. Close my accounts with chase etc. After doing all this a couple days later they close my account randomly and when I call for an explanation they said we found that you used to have a personal account here that had disputed transactions on it. Keep in mind someone broke into my apartment and had stolen my wallet and committed several transactions on my account which is why I rightfully disputed the charges.
Product: Money transfer, virtual currency, or money service

I have had an account with Veem for some time and today, I received a somewhat large ( to me ) payment from a client for a deposit on funds I need to access today to complete work for them. Immediately after they sent it, my account was put on hold " pending verification, '' yet I was never asked for additional verification prior to this and I did already give them my passport, which almost all other similar companies can verify immediately via a third-party service. The payment was made via credit card and already processed from the client end, so I inquired about what the hold up was and got no real explanation other than to just wait. So, they are arbitrarily just holding my funds for no reason which is going to preventing me from starting work with this client who paid for services they are expecting to me rendered and I can not do now because Veem is withholding my money.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX ACCOUNT NUMBER Starting in : XXXX has violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any reasonable cause to believe that the information is inaccurate
Product: Mortgage

In 2015 I filed two claims to XXXX insurance company. I hired an attorney. At the time XXXX sent out a check for {$8300.00} for repairs. After case settled XXXX insurance co send two checks for repairs of the house. I endorsed the checks and send them to XXXX loan servicing company. The funds where deposited into a restricted escrow account. The total amount of funds for the two claims in this escrow account is {$44000.00}. 
I received the initial check from XXXX insurance company for {$8300.00} and two other checks one for {$21000.00} and other for {$15000.00}. I received two initial disbursement checks one for {$15000.00} and a second check for {$2300.00} from Rushmore loan servicing for house repairs. Now 75 % of the repairs are done and an inspector sent by Rushmore loan serv center has confirmed 75 % of the work is done. On the website where I log in to see my claim its called XXXX/Rushmore.com. I see they have the incorrect amounts of disbursement and remaining balance. They have the remaining balance as {$18000.00} and that is incorrect. They have the total disbursement as {$26000.00} and that is incorrect. The amounts are inverted. The file owner informed me that the disbursement to be send out since the inspection has been done will be {$13000.00} and that is because they are taking the 75 % from the incorrect amount of remaining balance. Please help. I owe half of the repairs plus I have to pay kitchen cabinets and counters. 
Rushmore is incorrectly handling the escrow account. The deposits from XXXX insurance are for repairs of the house. 
Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with XXXX regarding a charged off account reporting past its statue of limitations and should be removed from my credit file. I have disputed this account with all credit reporting entities as well as the original data furnisher, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WELLS FARGO, XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX AGREED TO REMOVE THIS COLLECTION FROM ALL CREDIT BUREAUS IF I PAID IN FULL WHICH I DID AND THEY HAVE NOT REMOVED IT FROM XXXX XXXX OR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND CERTAIN ITEMS ARE APPEARING ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, THEY DO NOT BELONG TO ME. I AM MAKING A COMPLAINT BECAUSE THE FOLLOWING FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT REPORT AND I WOULD LIKE FOR THEM TO BE DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  TEXAS XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2016 I left a job in XXXX XXXX. I went to my bank ( XXXX an affiliate of HSBC ) and withdrew {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on XXXX XXXX, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my XXXX XXXX ( XXXX ) and stamped " refer to maker ''. They issued me a check in lieu of the original ( see attachment ), which I then attempted to deposit at XXXX XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. 

Since I was no longer in XXXX XXXX, I hired an attorney in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a POA. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXX, XXXX XXXX XXXX. 

I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.
Product: Debt collection

Trans world Systems placed a {$54.00} collection account on my credit report. I am requesting debt validation concerning this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

11 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Fortiva Alert : Your Fortiva Credit Card payment of XXXX is due on XX/XX/20. Click the link to make a payment on your account now : https : XXXX I received a text from this phone number XXXX. When I called this number it asks for my social security number. I did not respond. I also tried calling XXXX but that wasn't a legitimate number just another possible scam. 

I received this text on XXXX at XXXX XXXX
Product: Credit card or prepaid card

This message : " ChaseManhattan : XXXX your account has been funded! Amount : {$370000.00} Sender : XXXX XXXX XXXX XXXX " Is PENDING your action XXXX Go to XXXX I believe this to be a phishing scam. Sent to me via text message from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

hello my name is XXXX XXXX XXXX I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Please delete the items as soon as possible
Product: Money transfer, virtual currency, or money service

As of XX/XX/2023, Robinhood has restricted my account for no reason other then telling me after a review of my account a temporary restriction was placed to safeguard my account. 

I have around {$7000.00} in the account. I am a day trader and this is how I pay my bills and feed my family. They are creating an issue because I use different banks to transfer money to and from my account, but they won't allow me to add more debit cards for instant transfer so I can't use the debit cards from my new bank accounts. 

So now, because I have different bank accounts depositing and receiving the money, they are assuming fraud when they are the reason I have to do it this way. I will be linking my account statements showing how I move money between accounts to deal with Robinhood 's archaic system.