23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XXXX/XXXX/16, I ( XXXX ) used western union to transfer money to XXXX, I paid XXXX dollars in total, they gave me an MTCN/tracking number XXXX. My brother never received the money which was supposed to be delivered right away. Called Western union the evening of the same day and they told me to wait the transaction was pending. The following day the money was still not available. I borrowed money from a friend out of state since my nephew was sick & needed the money for medication right away. I called western union on XXXX/XXXX/16 and asked them to refund the money, they told me i will get it in 24-48 hrs. Called again XXXX/XXXX/16 and was told i will only get the the principle amount which is XXXX dollars and loose the XXXX dollars since i was asking for a refund. I told them it was n't my fault but they refused to acknowledge their mistake. I finally asked them to give me the money XXXX dollars since i had borrowed the money from a friend in XXXX to take care of my sick nephew. Western union told me i will get the money in 5-7 days. Today is the XXXX/XXXX/16 it is more than a week and have not received the money yet, it was supposed to be deposited to my account. Please help me, otherwise i will not get my money back, i have already lost XXXX dollars which they refused to refund when it was their mistake not to deliver the money to my family in need. 
Thanks for attending to this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After continuous efforts to have TransUnion investigate the following accounts. 30 days ago. The company has refused to send me updates on investigation after submitting a method of verification request. As a result TransUnion is in violation. 

Please see detail attachments : XXXX XXXX XXXX : can not be verified by either the original creditor nor the collection agency. This is a violation. As a result account must be deleted. 

XXXX XXXX XXXX : can not completely verify balance of {$980.00}. But still continues to report on my credit profile. As a result of this account must be removed. 

XXXX  XXXX XXXX  : can not be completely verified. But still continues to be reported on my credit profile. This is a violation. As a result account must be removed immediately. 

XXXX  XXXX XXXX  : currently reports on my consumer Credit profile : a past due balance of {$3500.00} and also reports a credit limit of {$1600.00} on a closed account. This is a violation. As a result this account must be removed. 


XXXX  XXXX XXXX  : currently reports an opening date of XX/XX/XXXX but does not reports first date of delinquencies to satisfy statute of limitations law. This is a violation. As a result this account must be deleted. 


XXXX XXXX  : currently reports as updated and verified. But in account details also reports. Last date of activity XX/XX/XXXX. But this account was disputed 30 days ago. This is a violation. As a result this account must be removed. 

XXXX XXXX  : neither TransUnion or XXXX XXXX  has been able to provide me with methods of validation and or methods of verification. This is a violation. As a result this account must be deleted immediately. 

XXXX : as it appears on my current credit report. XXXX is reported with last date of activity in XXXX of XXXX. But this account was disputed 30 days ago. This is a violation. As a result XXXX must be completely deleted from my TransUnion report. 

XXXX : as it appears on my current report. XXXX is reporting a past due of {$1500.00} on a closed account. This is a violation. Effective immediately this account must be deleted. 

XXXX XXXX XXXX  : is currently reporting a credit limit of {$300.00} while at the same time reporting a past due balance of {$380.00} on a closed account. This is a violation. As a result effective immediately this account must be removed. 

XXXX XXXX XXXX : last reported XXXX of XXXX. But still reports multiple inaccuracies in violations. Account must be removed. 

XXXX XXXX XXXX   : currently reports last date of activity in XXXX of XXXX. Even though account was disputed 30 days ago. This is a violation. Effective immediately this account must be deleted from my credit report. 

XXXX  XXXX XXXX  : currently reports that account has been sold to XXXX XXXX XXXX. But still reports a credit limit of {$450.00}. while collection agency XXXX XXXX XXXX reports a balance of {$980.00}. This is a violation. Both XXXX XXXX XXXX and original creditor : XXXX XXXX XXXX. Must be removed from my credit report effective immediately.
Product: Credit reporting or other personal consumer reports

You are reporting a account named prefcustjewel I asked to send proof of this alleged account being mine and have yet received any documents .You are furnishing a bad account upon my name and is defaming my character and puttung a habdicap on numerous tjings im trying to acquire. 

pursuant to 15 usc1681a4 you did not insure that this information is accurate and you did not exercise your grave responsibility with dair and impartiality..YOU TOOK ONE SIDE OF THE STORYand never consulted wuth me to find out if this transaction event took place.As a result of this privacy was breached and violated my right to privacy.

pursuant to 15 usc 1681a3 your company assumed this role.You were not given express permission by me the consumer or a competent court of jurisdiction .So, not only did you fail the initial investigation of this information.You also assumed this role and assumed this information was valid.Which is violation of my consumer rights. 

DO NOT SEND A MESSAGE TO SEND YOU ANY SUPPORTING DOCUMENT I DO NOT HAVE TO SEND YOU ANYTHING YOU HAVE ENOUGH INFORMATION YOU DID NOT ASK FOR MY INFO WHEN REPORTING IT THE FIRST TIME DO NOT STALL TO DELETE THIS ASAP YOU HAVE 15 DAYS UPON RECEIVING THIS MESSAGE.
Product: Debt collection

I received an alert from my bank on XX/XX/XXXX about a collection hitting my credit report. I immediately went to annualcreditreport.com to see what account was in collections. In turns out that there was an account in collection under my named that was unpaid. I contacted the creditor listed on my credit report to get more informaiton. 


CONVERGENT OUTSOURCING {$1200.00} Date opened : XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX The account was opened in Texas. I have never lived in Texas. I have been a resident of XXXX XXXX  for 31 years and I just moved to XXXX. During the time the account was opened fradualently in my name, I was living in XXXX  and buying a home in XXXX I explained all this to the creditor and they are mailing me a fraud package to dispute the account. I still have not recieved the package. 

I have filed a dispute with the 3 credit agencies and so far have had 1 of 3 removed from my file. I am looking to file a police report this week as well. So far I have put a freeze on my credit. 

Attached are documents supporting my residency during the time frames in question.
Product: Debt collection

Over the past several days, a company has called myself, members of my family, and has threatened to call my employer MULTIPLE TIMES. I have no idea who this company is and what the matter is. The last voicemail I received was from XXXX who did not state she was with any particular company, and only gave me her telephone number of ( XXXX ) XXXX and a file number XXXX. 

I googled the telephone number and it matched with Atlantic Recovery Solutions. I called and the first person who answered was silent and then hung up the phone. I called back and it went straight to XXXX XXXX voicemail, but nothing that states I was calling Atlantic Recovery Solutions. There is no " thank you for calling ... '' message. It appears to go directly to someone's personal cell phone. 

I am extremely concerned for two reasons : 1 ) That this may be a scam to get me to pay a bogus collection, and 2 ) That they are harassing me, members of my family ( I have no idea how they have their telephone numbers ), and have already threatened to contact my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Another discrimination when they found out we're XXXX  and with unlawful detainer issue from our landlord who wrongfully evicted us and deny the federal help, we didn't get any chance to have habitable place to live, didn't return our deposits and credit check. {$260.00} for me and my wife {$120.00}, we needed that money badly I just wrongfully terminated.
Product: Mortgage

On XX/XX/2023, I notified BSI financial of the change in taxes due on my property which was over {$2000.00} less than the amount escrowed. I was told then that because the escrow refund was so much, the refund would be fast tracked and a check expedited. My account shows an escrow disbursement of {$1800.00} on XX/XX/2023. In mid XXXX, I called BSI because I had not receive the check. I was told they do not fast track refunds and a check would be mailed on XX/XX/XXXX which is when all escrow refunds go out annually. Today, XX/XX/2023, I called BSI as I have not yet received the funds. I was told today that a check was sent in early XXXX and when that was not cashed in 30 days another check was reissued in early XXXX and since that has not been cashed they will request today that another check be sent to me. I requested that it be sent by priority mail. I am complaining because this company for years would not apply my principal payments as indicated and would hold in an unapplied funds for a month any amount I sent that was less than the regular mortgage amount even when I specifically stated the payment was to reduce principal. They did this for two years til I figured out a workaround. I do not trust them and every time I have to deal with them I get a different story. I have never in my 30 years of homeownership ever dealt with a mortgage company more disorganized and deceitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus on XX/XX/XXXX to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please remove the following items off of my Credit File : XXXX XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXXXXXX Balance : {$0.00} APPLIED BANK XXXX Balance : {$380.00} ONEMAIN XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX BANK XXXX XXXX : {$350.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$0XXXX 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 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. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX and signed a loan contract with Chase via the representative at XXXX, in XXXX, XXXX XXXX. Prior to signing the contact, there were several phone contacts between myself and XXXX XXXX ( representative at XXXX ). I made it clear that I was opting for a downpayment of {$10000.00} and was seeking a 72 months term. I was told not to apply to my outside credit unions as their financial institution, which was Chase Bank, could match or provide a lower competitive APR. I told him I was checking around and I had a credit score of XXXX. I also did most of my financial billing through Chase and my XXXX XXXX XXXX payroll goes through their system, every XXXX weeks. I was told that was great they could review my account. 

I was informed there was a special finance APR for 4.40 %, but this was only applicable for a short time and only leasing was qualified for that rate. I had made the decision to purchase through a loan. I did not want a lease. I was offered an APR at said time for 6.19 %, another lender had offered 6.16 %, given my history with Chase ( customer for about 35 years ) and the fact that I was told, I had to decide the same day, I accepted the offer. To my dismay, XX/XX/XXXX, exactly 2 weeks later, I was getting ready to set up the payment via the instructions provided by Chase and discovered that I was mislead. On trying to download the APP, I decided to follow their calculator as to methods of financing. As instructed, I entered the brand, car model, credit score, down payment amount, 72 months plan payment and the calculated amount was for an alarming, 4.40 % APR. My heart sank and I felt robbed and betrayed. See attached calculation. 

Since then, I have made several telephone outreaches both to the dealership and Chase loan department. The dealership was insulting and thought this was ridiculous. XXXX XXXX at the dealership told me to contact the bank. I told him I would return the XXXX on a flatbed tow truck, since I had only driven it home and it was not 30 days. My intent was to return the XXXX and cancel the loan. I spoke to a few representatives at the Chase bank, including a supervisor. I asked for a courtesy, reconfiguration of the loan based on the misguidance and the loan calculator. They told me absolutely not. One person suggested that I refinance the loan. I believe that I was misguided and taken advantage of. This is no more than predatory lender, of large lending institutions taking advantage of the average hard working customers. I took the loan to purchase the XXXX as a retirement gift to myself. I did not imagine that a company that I have entrusted my money with for almost 35 years, would create a non-trusting business relationship. Please, I am asking that this matter be investigated. 
Thanks in advance.
Product: Money transfer, virtual currency, or money service

Money has been took without me approval and theres no one to reach out to to resolve it
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute on items on my credit report again on XXXX-21 to Equifax, XXXX, and XXXX. stating these items are inaccurate, unverifiable, and questionable. I ask for original contract with my signature on it which has not been sent so it means this account is unverifiable but have on my file that it is.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian concerning their handling of a recent dispute I submitted. The issues I am experiencing with Experian involve violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which pertains to the reinvestigation of disputed information. 

On XX/XX/year>, I submitted a written dispute to Experian regarding inaccuracies in my credit report. However, on XX/XX/year>, I received a communication from Experian stating that they would not process my dispute. Their rationale was that the dispute seemed to be submitted by a third party or that it was not authorized by me. 

To resolve this issue, I called Experian on XX/XX/year>, to confirm that the dispute was indeed submitted by me and to request that they process it. Despite my clear and verifiable confirmation, Experian refused to process the dispute and advised me to dispute the matter via phone instead. This refusal to process my written dispute is a clear violation of the FCRA 's provisions. 
Specifically, Experians actions contravene : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that upon receiving a notice of dispute from a consumer, a credit reporting agency must investigate the disputed information. By refusing to process my dispute, Experian has failed to fulfill this obligation.

15 U.S.C. 1681i ( a ) ( 2 ) : This section requires that the credit reporting agency must conduct a reasonable investigation of the dispute and provide a notice of the results. Experian 's refusal to process the dispute prevents any investigation from occurring, thus failing to comply with this requirement.

15 U.S.C. 1681i ( a ) ( 6 ) : This section obligates the credit reporting agency to provide a notice of the dispute to the information provider and to include a statement of the dispute in the consumer 's credit file. By not processing my dispute, Experian is not meeting these requirements. 

I request that the CFPB intervene in this matter and ensure that Experian complies with the FCRA requirements. Please advise on the next steps to take in addressing this issue and any further information I need to provide. 

Thank you for your attention to this matter. I look forward to your response.
Product: Debt collection

XXXX. I do not owe any money to XXXX  XXXX. I have never received a bill from XXXX indicating a balance due. 
XXXX. I have never received a Demand Letter from XXXX indicating if the amount due is not paid by XXXX date, collection action will begin XXXX. My payments for service are up to date [ no money for service is due ] XXXX. I have returned all equipment to XXXX XXXX for which I received a receipt.!! 
XXXX. XXXX has previously contracted for this with XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX, to which I provided the receipt and the same above information. It would appear XXXX is engaged in XXXX XXXX XXXX. 
XXXX. I have provided all this information to IC Systems XXXX IC Systems has NOW placed a derogatory item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Debt collection

Debt originally with XXXX at XXXX XXXX, my former apartment complex in XXXX XXXX, TX from XX/XX/XXXX to XX/XX/XXXX. Allegedly owed {$160.00} despite never being informed through any communication, either directly to me or to my submitted forwarding address that I provided before moving out.

It was not until XX/XX/XXXX that I was contacted by Carter-Young, a debt collection agency to whom XXXX at XXXX XXXX sold my alleged debt, with an itemized bill of charges. This amount was also already reported to XXXX in XX/XX/XXXX.

This is in direct violation of Texas Property Code 92.110 ( a ) which states that : " If a security deposit was not required by a residential lease and the tenant is liable for damages and charges on surrender of the premises, the landlord shall notify the tenant in writing of the landlord 's claim for damages and charges on or before the date the landlord reports the claim to a consumer reporting agency or third-party debt collector. '' Site : XXXX XXXX XXXX They sold my debt before I was ever informed of my alleged debt, and even reported it on my credit before doing so. I was never contacted directly by XXXX, only by Carter-Young in XX/XX/XXXX.

Because they violated Texas Property Code 91.110 ( a ), whatever debt I allegedly owed should be forfeit and therefore erased from my credit history. I can provide proof that a deposit was not required for my lease ( I wrongly believed I had given them one, so Carter-Young informed me by mail that this was incorrect ), and that my bill sent by Carter-Young is dated XX/XX/XXXX, 11 months after my lease termination.

I have attached the Carter-Young statement from XX/XX/XXXX and a photo of a letter sent from Carter-Young relaying a statement from XX/XX/XXXX indicating that there was no deposit required for my lease.
Product: Credit reporting or other personal consumer reports

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 I have reached out to XXXX of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile. 

i HAVE ALSO REACHED OUT TO ALL XXXX CREDIT REPORTING BUREAUS AND THEY ARE UNWILLING TO REMOVE THE INQUIRES LISTED ABOVE UNLESS I FILE A FTC REPORT. 

FURTHERMORE, THE LISTED COLLECTION ACCOUNTS BELOW ARE STILL ON MY REPORT AFTER DISPUTING NOT ONCE OR TWICE, BUT MULTIPLE TIMES. THE CREDIT BUREAUS ARE REFUSING TO THOROUGHLY INVESTIGATE THESE ACCOUNTS, THEY HAVE NOT PROVIDED ME ANY INFORMATION ON HOW THESE ACCOUNTS ARE VERIFIED, INSTEAD THEY JUST SEND A GENERIC MESSAGE STATING " THE ACCOUNT HAS BEEN VERIFIED ''. ONCE I RE DISPUTED THEY SENT A LETTER STATING THEY COULD NOT VERIFY MY IDENTITY EVEN THOUGH I SUPPLIED NECESSARY DOCUMENTS TO DO SO. THEY ARE FAILING TO FOLLOW THE XXXX LAWS, AND IF NEEDED I WILL TAKE LEGAL ACTION INCLUDING AND NOT LIMITED TO {$1000.00} PER VIOLATION OF MY RIGHTS IF THIS IS NOT RESOLVED. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


EXPERIAN : 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

5 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX should not be listed as an address of mine. I do not live there and never have.
Product: Debt collection

Real Time Resolutions is there name. I emailed them twice 2 send me letter of dept validation over 10 days ago and still no letter was sent out. Went to the web site they told me to go to but my info was not in there and it was coming up blank in most sections.
Product: Debt collection

My account has been paid in full on XX/XX/2021 .Comenity bank until today stills sending me a bill every single month adding interest and late fees, they sent false reports to the credit bureaus, my credit scores was over XXXX and now is under XXXX because of this company. I have call many times and they don't fix the mistake.
Product: Credit reporting or other personal consumer reports

I demand XXXX XXXX be deleted the supreme court ruled it unconstitutional! It's not a consumer transaction a loan or revolving credit line it's a violation of my constitutional rights by the state of Florida and XXXX please remove it immediately