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

XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00} Unknown - credit extension, review, or collection I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX dates are different on all bureaus {$310.00} I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXX XXXX XXXX XXXXXXXX XXXX {$850.00} dates are different on each bureau. I have contacted the company and the credit bureaus and nothing has been done. 

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

In accordance with the XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Student loan

XXXX   XXXX  reached out to me to attend their   XXXX   XXXX   program. I expressed to them that I have   XXXX   and would not be able to secure employment. They assured me that would not be a problem and that I should begin the  program. I completed the program in 2013. I have not been able to secure certification nor gain employment in the area in which I trained because of my  XXXX . I was made aware that the federal government shut the  school down and offered forgiveness to previous students due to misrepresentation and fraudulent programs and guaranteed employment.   To date, I have not been able to address the issue and have not been able to receive forgiveness for my loans that I have been paying on.
Product: Credit reporting or other personal consumer reports

i am no longer a user on care credit account.i contacted care credit to report to the credit bureaus to delete account from credit profile they did not.i have disputed numerous times with XXXX as recently as yesterday with their agent and its coming back today that care credit /synchrony is showing i do/I DO NOT HAVE AND ACCOUNT WITH CARE CREDIT/SYNCHRONY I AM NO LONGER A USER ON THE ACCOUNT I WAS TAKEN OFF BY PRIMARY USER. WHY DOES CARE CREDIT STILL REPORTING TO CREDIT BUREAUS I DO? UNFAIR BUSINESS PRACTICE
Product: Credit card or prepaid card

I opened a fortiva line of credit through a furniture retailer and paid off the balance within the terms of the special financing in XXXX and had XXXX correspondence from fortiva after. XX/XX/XXXX I received a letter stating I owed late fees. I immediately called, spoke with XXXX and stated I wanted the account closed immediately. My account was credited ( and have the XX/XX/XXXX statement to prove it ) and was told the account was closed. Never heard from fortiva again.until XX/XX/XXXX! Another letter arrived stating the exact same nonsense as the year prior. I returned the letter with a giant ACCOUNT CLOSED XXXX on it. This company is fraudulent and this needs to be resolved immediately. They also have the incorrect name on the account which just adds to their XXXX. According to them and that mistake, I legally dont have responsibility to the account.
Product: Credit reporting

i have been fighting Equifax on the number of inquires on my report XXXX now, they do not belong to me ... .i have not applied for a job nor have i obtained credit from these fraudelant companies they keep telling me to take up with companies and i did send certified letters to them with no response from the majority of creditors. I would like to purchase a home in the future and these inquiries are hurting my chances. I was employed now retired from the usps which had a breech and personal info was impacted also irs had a fraud on me for someone else trying to file a income tax return XX/XX/2015 i feel my identity has been in jeopardy since XX/XX/2015 and would like all inquires since them removed
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Upon checking my annual credit report with all XXXX credit Bureaus I noticed Bank of America has reported account # XXXX as Charged off / Never Late/ Written Off - In XX/XX/XXXX. According to FCRA section 623 ( 15 U.S.C 1681-2 ) I am required to have a XXXX which i never received. As a result I requested a copy of the XXXX with BOA and was informed by the Bank of America representative that the information is not available. I would like to have this inaccurate reporting removed from my credit report from all 3 Bureaus immediately because this is damaging to my credit. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TransUnion Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX  XXXX XX/XX/XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, PORSCHE FINANCIAL SRVC XXXX Account Balance : {$33000.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. 



XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX, Experian, XXXX po box XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/24 To Whom it May Concern : Ive just reviewed my credit report and noticed there are several inaccurate items on my report as follows : XXXX XXXX XXXX This is not how my name is used. Delete immediatly. 


XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Reason : According to my records, this account is inaccurate and your company is reporting errors on my credit report. 

Instruction : Investigate and verify the accuracy of this account with the Original Creditor. If you Can not Verify this account is reporting 100 % Accurate and Without Error, Immediately Delete This Account from my credit file. 

As proof of identity, I have enclosed a copy of my drivers license and proof of address. Once your investigation is completed and you deleted this information please mail me a complete and updated copy of my credit report to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

American Capital Enterprises was collecting my mothers information and charged her on her credit report as a collection then my mother told them I've never been in the ambulance or called an ambulance then they asked her well is a person by such name live there at the property she said yes that's my son then they told her orbits him that owes us then so they did not have correct info on who owed who please resolve cause its hurting my credit thank you date open XX/XX/2014
Product: Vehicle loan or lease

My vehicle was repossessed as I was 3 months behind on my payments ( XXXX, XXXX and XXXX ) as the amounts for each month were {$390.00} ( A total amount of {$1100.00} ). Once the vehicle was repossessed, I spoke with the bank my loan is with ( PNC Bank ) and they stated I would have to pay {$1300.00}, which was also including my monthly payment for XXXX, but my monthly due date is not until the XXXX each month. The bank was making me pay the past due 3 months and my current payment, despite the fact that it was not due yet.
Product: Student loan

Last XX/XX/XXXX, Navient sent me 3 letter telling me that they were going to due me due to my inability to make payments. I have been on XXXX since XX/XX/XXXX and made them aware of it. In XX/XX/XXXX, I gave them a payment of XXXX. The man who took my bank information then set up a payment plan for Navient without my consent. When I called to confront the company they lied and said that they did not do that. The young man then baited me into an argument which lead to them calling the police on me. In XX/XX/XXXX of this year, I requested to have my loans discharged due to being on XXXX for over 2 years. They told me three times that they sent the paperwork and never did. Then they began to call me 5 times a day. I blocked their number as per consumer affairs bureau stated that they could only call me once a week. The young lady on the line told me that she would call me 8 times a day. So I blocked her. I originally borrowed XXXX to pay off medical debts due to the state of California denying me XXXX. I would not had been able to continue attending school due to my XXXX  and inability to get medical care that I needed. I was asked to participate in the civil law suit but was unable to due to my previous job that I worked 60 hours per week. I contacted thy XXXX and have not heard back from either. Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

There is a truck loan on my credit report that does not belong to me. I have contacted XXXX XXXX and explained that I never took out any car loan. Also, my license was suspended and I have reported the matter to the authorities. I need this truck loan removed from my credit because it does not belong to me.
Product: Checking or savings account

XXXX XXXX XXXX contacted me via telephone circa XX/XX/year> stating that they will advertise my timeshare so that funds can be generated when it is not in use. The advertisement was supposed to be for corporations and/or individuals needing lodging. The website used for advertisements is non-existent. Offers are sent for dates when the timeshare is not available. I requested a refund from my bank, and the request was not honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry : XXXX XX/XX/2018 Please investigate to ensure there is no fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing disputes with Experian for the past three years as they continue to report the wrong items with 2 creditors who were paid off thru other creditors who brought the accounts. As of XX/XX/2019 they decreased my scores by 23 points in the past DAY because of my disputes and complaints as nothing have changed in my payment history of my current creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports with XXXX and XXXX, JPMCB ( J.P. Morgan Chase Bank ) put false information on my credit report. According to JPMCB, I took a loan out with their company on XX/XX/XXXX under XXXX. Under XXXX, it notes I took a loan out with JPMCB on XX/XX/XXXX which is erroneous. 

I took out a loan for a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX  XXXX I never took out an original loan with JPMCB on XX/XX/XXXX or XX/XX/XXXX. This information is false and I am enclosing supporting documents from the credit bureaus, along docs from closing who I in fact took a loan out with. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of 2 accounts ORIGINAL creditor XXXX XXXX/ credit card sold account to XXXX XXXX XXXX . Balance was incorrect. Account was paid off, for amount reflected on last collection letter. XX/XX/XXXX. Second account XXXX XXXX/ credit card. In house collection agency XXXX XXXX. Was paid in full for total amount due. XX/XX/XXXX. I uploaded and sent proof of account paid in full with initial letter received from. Original creditor. My report was disputed. As well as investigated. The information was not Corrected, as of XX/XX/XXXX. Also submitted proof of balance on XXXX/ credit card account bought up to date {$0.00} balance as of XX/XX/XXXX. Report still indicates balance on this account is still {$340.00} against my secured line of {$1000.00}. Credit. Information is not reflecting my account settlements as per information received in writing from creditor. As well as my existing account with XXXX, balance is {$0.00}.
Product: Mortgage

In reference to my loan ending in XXXX. Bank of America has the deceptive practice of sending emails for many years that indicate that if I do not respond to this email I will automatically be put on paperless billing. Recently I missed these emails and as a result I did not receive a bill for the months of XXXX and XXXX. I was sent a notice of intent to foreclose, for the first time in my life. I was charged late fees of {$29.00}. Bank of America also reported this delinquency to the credit agencies and again for the first time in my life my credit score dropped below XXXX and is now preventing me from qualifying for new loans. 

I did not ask to be on paperless billing, I will never ask to be on paperless billing. I was unwittingly placed in this program. It is deceptive and not my fault. The moment I received the notice of intent from Bank of America I paid the balance in full, and am current on the account. 

1- I want these late fees reversed.

2- I want this practice to be stopped.

3- I want this reporting to the credit bureaus to be rescinded.

4- I want a letter of apology
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Experian, XXXX XXXX are preventing me from submitting documentation of my student loans which total approximately {$97000.00} and were at one point double reported showing my debt to be around {$190000.00}. The duplicate account was removed. My student loan debt was forgiven in XXXX of XXXX. I have a XXXX balance and my loans are closed under XXXX. I have documentation from XXXX proving this and none of the above mentioned organizations have allowed me to submit it. While my report shows these loans in good standing, my report needs to reflect that I currently have a XXXX balance. In XX/XX/year> I retired due to health issues and my income is a XXXX of what I made before. This amount of inaccurate debt is inflating my debt to income ratio. I am in need of making some life changes due to my retirement and this is interfering with my ability to get a very necessary personal loan. Since my loans were forgiven in XX/XX/year> it's creating me additional hardship because almost one year later my reports do not reflect this and my attempts to remedy it are being ignored. Experian hasn't responded to my complaint that was filed on XX/XX/year> but I have been unable to provide my documentation. I spent several days in the past week in chats with XXXX XXXX trying to get them to attach documentation to my complaint. They just referred me to Experian and XXXX. At this point I am going to mail the documents to them and send them certified mail. Yes a cost to me. I should not have to be dealing with this still almost one year later. Thank you for allowing me submit my documentation.
Product: Credit reporting or other personal consumer reports

XXXX / XXXX / EQUIFAX HAVE REPORTED OVER XXXX INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION WHICH IS A VIOLATION OF MY PRIVACY RIGHTS PER 1.THE PRIVACY ACT OF 1974 2.15 USC1681 ( B ) PERMISSABLE PURPOSES THEY WERE ALSO SUED FOR THIS BY THE FTC IN XXXX XXXX XXXX FOR THE SAME ACTIONS. 

XXXX, doing business as XXXX XXXX XXXX, will pay {$300000.00} to settle Federal Trade Commission charges that ads for its free credit report offer failed to disclose adequately that consumers who signed up would be automatically enrolled in a credit- monitoring program and charged {$79.00}. The FTC alleged that the failure to clearly disclose the enrollment and charges violated a previous settlement. 

In XX/XX/XXXX, XXXX, paid {$950000.00} to settle FTC charges that it deceptively marketed free credit reports. According to the FTC, XXXX offered consumers a free copy of their credit report and added that they would provide 30 FREE days of Credit Check Monitoring. The FTC alleged that XXXX advertising and Web sites failed to explain adequately that after the free trial period for the credit-monitoring service expired, consumers automatically would be charged a {$79.00} annual membership, unless they notified the defendant within 30 days to cancel the service. XXXX billed the credit cards that it had told consumers were required only to establish your account and, in some cases, automatically renewed memberships by re-billing consumers without notice. In addition to the {$950000.00} payment, the settlement required XXXX to pay redress to deceived consumers, barred deceptive and misleading claims about free offers, and required clear and conspicuous disclosure of terms and conditions of any freeoffer. 

The FTC alleges that XXXX ran ads after the settlement that violated the disclosure requirement. The settlement requires XXXX to give up {$300000.00} in ill-gotten gains, and bars it from misrepresenting any affiliation with the annual credit report available to consumers under the Fair Credit Reporting Act. 

The stipulated judgment and order named XXXX XXXX XXXX, doing business as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The Commission vote to accept the supplemental stipulated judgment and order was 5-0. It was filed in United States District Court for the XXXX XXXX XXXX XXXX in XXXX XXXX.
Product: Credit card

I filed a disputed for a package I returned to XXXX, and XXXX denied my refund claiming they never received the package. So I sent coinbase the receipt from XXXX showing the driver came to my house and picked up the package. The tracking number showing the package sucessfully returned and delivered. And I also asked XXXX to conduct an investigation, which they did and confirmed the package was delivered to the right address. And yet coinbase closed my case after telling me they would refund me my money because they realized their mistake. Now every time I call I get told there is nothing they can do and that I have lost my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old information on credit report needs to be removed.
Product: Credit reporting or other personal consumer reports

My credit report was recently verified, and I noticed accounts that i was not familiar with
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to XXXX for the last XXXX months and I haven't received any response to my challenges. I have been consistently sending disputes about some items on my credit report and there just not taking the time to investigate anything at all. From XX/XX/2019 until now XX/XX/2019, I have yet to receive any document from XXXX, almost seems like they're throwing my letters away. There has been XXXX response, I will attach my last XXXX letters sent to XXXX  to this complaint.
Product: Money transfer, virtual currency, or money service

I have reached the Western Union ( WU ), customer service, several times and have spent over 10 hours on the phone already without any resolution. It has been over a week now, I hear the same response " we are working on it, call us back in 24-48 hours '' every day. 
As you can see in the attachments. I initiated a money transfer using WU from my bank in the US ( XXXX ) to a recipient bank in XXXX ( XXXX ). 
I have been sending money regularly using WU for a time-sensitive project in XXXX. 
The money transfer initiated on XX/XX/2021 with tracking number ( MTCN ) : XXXX XXXX XXXX didn't complete. Nobody in WU knows where my money is. I'm frustrated and worried about this missing money ( {$2900.00} ). I verified with my XXXX bank and the records clearly show that the amount was debited from my account. I'm currently on hold with the WU customer line for over 30 mins as I type this email. 

Please help us with this case. Thank you!
Product: Checking or savings account

XXXX pre paid debit card Bank of America was copied in a card reader and used by an unauthorized user 5x each {$1000.00} each time total of {$5000.00} OnXX/XX/XXXX XXXX all was atm withdrawals that i did not do. I made a claim with Bank Of America 3rd party prepaid and they refused to refund me my {$5000.00} they state I am liable for this. I have been back and forth for over 90 days and bank has denied me 3x times of any refund. This was all monies deposited by unemployment only in this account and no one is being held liable for this fraud on my account.
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL INQUIRIES LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. I REACHED OUT TO THE FOLLOWING COMPANIES WHO SUBMITTED THESE HARD INQUIRIES AND RECEIVED NO RESPONSE WITHIN 60 DAYS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX