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

I sent funds ( {$500.00} ) from a XXXX XXXX account to a Chase bank for an individual on XXXX XX/XX/XXXX however the account number at Chase was wrong if the correct account number was ending in XXXX the funds went to XXXX. I have tried to see how these funds can be recovered to no end, if possible can this error be corrected?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureaus customer service would not help and take care of the unauthorized inquiries reporting on my credit report. 
These are the listed fraudulent inquiries XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX / XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of Identity Theft. The following fraudulent account was removed from my credit report and now it is re-reporting : Office of Attorney General Opened :  XX/XX/2005 Amt. XXXX Credit Bureaus if they re-insert a removed item from your credit report without notifying you in writing within 5 business days.

Consumer protection afforded by the FCRA.

FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Fine:XXXX
Product: Vehicle loan or lease

My daughter and I have a auto lease with GM. We have had the lease since XX/XX/XXXX. We have made every payment via direct debit from checking out each month. My daughter was alerted in XX/XX/XXXX  that we were reported as 120 days late which is not correct. I attempted to call GM onXX/XX/XXXXto straighten this out. I was told they had a system change in XXXX  that caused reporting problems such as mine. I was assured someone would return my call on XX/XX/XXXX. They also told me on the phone that system said i missed 8 payments but she could see that i was current. No one called me on XX/XX/XXXX. I submitted two other online complaints and called again onXX/XX/XXXXand I was supposed to receive a follow up call but I have not received any further correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian denied me any disputes on my unauthorized inquires and double or triple inquires the said I had to call the creditor their job is to report what any creditor regardless of any original source they will still report and not let people dispute innacurate inquires
Product: Vehicle loan or lease

XX/XX/2022, filled out the Odometer Statement and uploaded to my account. 
XXXX, talked with different XXXX  representatives several times, to make sure they received the Odometer Statement and asked about the way to transfer the cash to fulfill the quote. 
XX/XX/2022, transferred the first payment. 
XX/XX/2022, transferred the second payment. The sum of the two payments make up the quoted amount. The transactions were confirmed by XXXX. 
XXXX, called XXXX  customer services and email lease and/or title department multiple times to follow up on the title transfer. I has been told that it would take 7 to 10 business days. 
In sum, XXXX  confirmed that the quoted payment has been paid in full on XX/XX/2022. They claimed it takes 7 to 10 business days for them to transfer the title to me. Yet I have not received any title as of today XX/XX/2022.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX AND XXXX to be removed. 

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

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

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




XXXX XXXX XXXX XXXX is aware and has proof in the attachment labeled as XXXX XXXX  REGIONALAC Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by REGIONALAC Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I noticed that my check was garnished, I reached out to my employer, and they told me that my check was being garnished by the law offices of XXXX XXXX XXXX for a debt owed to synchrony bank. I called the offices of XXXX XXXX XXXX to ask why they garnished my check without informing me, they proceeded to tell me that they served a woman in my household from the ages of XXXX in 2021 with this suit although no one in my household is of this age Nore were there any females living in this Houshold during that time or any time after and the notes that the offices of XXXX & XXXX XXXX they did not collect a Name of who this was served to just said a woman ages XXXX, I was never made aware of this suit nor was I legally served and now my check in getting garnished 20 %.
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT WAS PULLED WITHOUT MY PERMISSION. I DIDNT SIGN ANY CONTRACTS WITH THESE COMPANIES AND I WANT THESE REMOVED OFF MY CREDIT REPORT. 

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

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX   XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX   XXXX 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 card or prepaid card

This is in dispute against the TJX rewards Platinum Mastercard ending in XXXX for SF including late fees due on XX/XX/XXXX for {$990.00}. The original purchase was for {$50.00}, with no other items. 

My elderly father, went into a XXXX store to purchase a {$50.00} pot, was asked if he would like to save 10 % on the purchase, shared his SS # ( which I have reminded him never to do again ), and a card was opened. The retail agent, never gave him a receipt, or a temporary card. Months later a bill for over {$700.00} with late fees was sent to the home. 

This is after calling more than half a dozen times, submitting multiple disputes. First to Fraud dept, then was told that it was not fraud, but incorrectly billed. Then back to fraud. 
Including XX/XX/XXXX - when it was decided that the receipt matched the purchases. However, I never, received a receipt. I never received an itemized billing statement. I never received a temporary card. I never received a permanent card. All that I have is the item purchased for {$50.00} with the tags still on, and no other merchandise. 

This card was fraudulently opened by the retail teller, using the customers SS #, and then charging multiple items that were not the customers onto the new card, that was never received. 

I have called numerous times, and my father SF, has authorized me, CF, as a permanent authorized use half a dozen times, yet still to the below date on XX/XX/XXXX, they still do not have this on record. I am being told that these calls are being recorded, therefore, there should be numerous recorded calls on this matter. 

Most recently on XX/XX/XXXX, TJX - XXXX ext XXXX saved me as a " permanent authorized user ''. After being transferred multiple times, to supervisors, then to fraud, then to another dept, I was disconnected. I did however, share my phone number as a call back number as this happened previously. They did not call back. This is after being on the phone for over 35 minutes.
Product: Credit card or prepaid card

I called citi bank and let them know that I wanted to delete a checking account with XXXX  XXXX XXXX that I no longer have and and a supervisor told me I have to wait 2-3 business days and which I dont have the patience for and a day later my account was charged a XXXX return fee and i explained to citi bank that I made a payment to the wrong account and it was supposed to be deleted off the system and citi mobile app has a huge glitch in deleting its off the system and I transfer all of my money to my citi checking account and Im trying not to be penalized for that fee it was not my fault at all ... I also noticed they charge me high interest on my accounts and its ridiculous and I dont use this card that much ... .. and I paid back the cash advance fees ASAP and make my payments all the time I need that XXXX fee to be wavied ... and I try to get citi bank to cancel that payment the same day but they are unable and I got charged a XXXX return fee
Product: Payday loan, title loan, or personal loan

I was browsing the internet and came across a company ZocaLoans and was in a financial burden I took out a small loan for XXXX $ and the company mislead me the interest rates were very high which was not stated initially and the payments dates were twice a month cause me to be in more of a financial strain. Right now my balance is XXXX  which is outrageous can you please help me resolve this problem this loan was given to me 75 days ago
Product: Credit card

Booked flights with XXXX, which transferred to XXXX. XXXX were booked on XXXXXXXX XXXX using Capital One MasterCard credit card. Services purchased were flights and 'cancel for any reason ' service. Total charges was {$12000.00}. 

Within 12 hours of placing the charge, it was needed to be cancelled, since a connecting flight was not available, and one infant passenger was unable to get the necessary travel documents. 

XXXX was notified and accepted the cancellation. 

Capital One was notified and reversed the charge to give XXXX 45 days to respond. XXXX credited {$6100.00} but did not credit the balance. 

According to the XXXX XXXXcancel for any reason ' policy, I should be credited 80 % of the amount charged, less the cost of this additional service. 

In dispute is the balance of {$2500.00}. 

Capital One refuses to credit this amount to my account. I have supplied all the information and documentation requested and spoken with supervisors many times. I only get back a form letter indicating that they are not crediting my account.
Product: Credit card

On XX/XX/XXXX I made a purchase on XXXX, I needed a video editor to help with a video I was going to make for my grandmothers funereal. I tried making the video and it did not work. On that same day I sent various emails saying the product didn't work. I tried and got frustrated that the video editor didn't work. I sent an email saying I want to cancel to product and get a refund. I also made a dispute with Apple Card/ Goldman Sachs on that same day. I have been trying to get this disputed since that day. They have a policy if you request a refund you can get your money back within the XXXX  days. I requested it that same day. I never received my refund. I have tried to explain this to Goldman Sachs but I keep getting my dispute denied. Today XX/XX/XXXX they charged once again for the year and I have yet to use the product. I didn't even know they were still charging me for the product. I had already erased my credit card information and canceled the product.
Product: Student loan

I filed for XXXX this fall after consolidating my loans with MOHELA. Its has been months and nothing has updated on my account. I have worked at approved nonprofits for 20 years. And its like a black hole. I got all the paperwork and XXXX forms in by the deadline. And nothing has really happened. My payment count has been 3 for a long time. 
There is no way to speak to a human being without waiting on hold for an incredible amount of time. I work!!! I can not be on the phone for hours on end. They do not reply to emails and I just can not seem to find any way to talk to a human who knows what is going on. 90 business days is a crazy amount of time. I have worked hard to get everything in and now I just feel like it went in the trash or something.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Product: Debt collection

This particular debt was reported on my credit report as collections there was no attempt to contact me. 
According to Indiana law, I.C. 32-31-3-12 the company is legally obligated to send a letter to the renter stating all itemized damages claimed by a landlord along with the security deposit not more then forty-five ( XXXX ) days after the termination of the rental relationship to the forwarding address provided by the tenant. 
That forty-five day grace period has exceeded and I have not yet received any notification. Therefore the company claim is false. I would like this item to be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Center, I am writing to formally dispute and seek the correction of inaccurate information on my credit report, specifically related to Employment Information and Addresses, in accordance with XXXX XXXX compliance standards. 

1. **Employment Information Dispute : ** The reported employment information pertaining to " XXXX XXXX XXXX is inaccurate and not in alignment with XXXX XXXX guidelines. I request a thorough investigation into this matter and prompt correction to ensure compliance with the XXXX XXXX XXXX XXXX. 

2. **Addresses Dispute : ** The following addresses reported do not adhere to XXXX XXXX standards and require immediate attention : - XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I urge a meticulous examination of these address entries and the subsequent correction to align with the XXXX XXXX reporting requirements. 

In compliance with XXXX XXXX guidelines, I am prepared to provide additional documentation for address verification. Enclosed is a copy of my cell phone bill, which serves as a substantiating document meeting the requirements of XXXX XXXX reporting.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. the the consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following, XXXX XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is for XX/XX/2018 car payment for XXXX XXXX. 

it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment
Product: Debt collection

MIDLAND FUNDING LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the about of {$1200.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX, XXXX & XXXX Accounts XXXX, XXXX XXXX, XXXX 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 a account without my written instructions
Product: Credit card

I am writing to formally request that you block and remove a fraudulent account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have recently been a victim of identity theft, and the account in question was opened without my knowledge or consent. 

Below are the details of the fraudulent account I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bank of America closed out my mortgage loan after I moved XXXX XXXX, 2016. When they closed out my loan they added a note that I was over 120 days late in paying my mortgage which lowered by credit score XXXX points. I have not been late in paying in over 7 years and was in very good standing. SO GOOD that after I moved and got the BEST rate with another mortgage company that Bank of America offered and issued me a credit card with a high balance. They THEN reported my account as closed to all XXXX credit companies and the mortgage as being closed with them however they added a note that I had been 120 days late. This is WEIRD at best!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccuracies on my credit report. Recently, I requested an investigation from the credit bureaus to ensure the accuracy of the information on my credit report. The credit bureaus conducted their investigation and concluded that all the information was accurate. 

However, after receiving their response, I conducted my own thorough review of my credit report. During my investigation, I identified several inaccuracies that the credit bureaus failed to address. These inaccuracies include [ describe the specific inaccuracies you found, such as incorrect account balances, outdated information, accounts that do not belong to you, etc. ]. 

Despite the credit bureaus ' assertion that the information was accurate, my findings indicate that their investigation was insufficient and did not address the errors present in my report. This has caused me considerable distress and has potentially impacted my credit score and financial standing. 

In Accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  # 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 a account without my written instructions Thank you for your assistance in this matter. 

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

After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days.