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

On or before XXXX a personal loan was obtain in my name using my personal information. I have requested this account be remove because identity theft. 
Regional Finance has continue to report inaccurate information to my credit report.
Product: Checking or savings account

money was taken XXXX to XXXX in the amount of $ 12-14 per month although the money was being deposited by the SS Department on a monthly basis that required no monthly fee. Bank of America has refused to return my money in the amount of approximately {$1800.00} I have written them letters to try and resolve this issue, but they refuse to acknowledge their errors.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX account number XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX still reporting on my credit report. per section 1692GA3 Debt collectors ' validation Notice I didn't receive a validation letter with my signature validating the debt, furthermore ; congress passed a law allowing consumers to request collection removal from their credit report. Thank you
Product: Mortgage

I had gotten a loan through Wells Fargo : America Service Company. Suddenly every XXXX, I had to pay an extra XXXX. I called for information why. No Answer. I had to pay XXXX insurances on my home. I called asked why. no answer. After that I started t o call for loan modification and nothing. I was not behind on my loans at all. Suddenly, someone appears to ask me do I need assistance. I got assistance but I feel it was purposely set up by Wells Fargo because all the problems I had with Wells Fargo he fixed. So I thought I could trust this man. I got XXXX loan modifications but they were XXXX denied by Wells Fargo with lies. My main target is Wells Fargo setting me up because I was always on time until I met XXXX XXXX. :
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXI send a total of {$500.00} to XXXX via Sigue Corporation. Money was supposed to be paid out to receiver on Wednesday XX/XX/XXXX. When receiver went to pick up money he was told there was no money available to pay out. I then went back to the Establishment XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX I went there and explain the receiver was not able to pick up money so I would like a refund. They then stated there was no refund money was not there. The owner of establishment would reach out to me. 
I have been back multiple times to request a refund and I keep getting the run around. I just need help recovering my monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two open collections on my credit report are from a company Ive never done business with. Ive never signed any documentation with these companies nor have I ever been in contract with these companies before. These account were charged off by the original companies a few years ago, to my husband loosing employment because of COVID. I have written several cease and desist letters to XXXX XXXX XXXX and LVNV FUNDING LLC explaining this to no avail. So I am questing your assistance in this matter, please!
Product: Credit reporting

I am not sure how to go about requesting this type of change to my credit reports. Currently they all show that I have a credit history of 14 years when in fact it should be around 24. My credit score is listed as being adversely affected due to the shortened reporting and it leaves out payment in full of 2 mortgages, 2 car loans, and a student loan. Is there any way to have these items restored to my report?
Product: Payday loan, title loan, or personal loan

I had a court ordered wage garnishment that was effective XXXX XXXX and the last payment was garnished in XX/XX/XXXX. My wages were garnished biweekly yet the loan company never reported a single payment to either of the the credit bureaus. Submitted documentation from XXXX showing the wage garnishment order was paid in full. Every single month these people never reported a payment which showed my payments were late or never received.
Product: Credit card or prepaid card

MACYS CREDIT CARD - On  XXXX / XXXX / 2017  - Called in to close card. Transferred to " consumer agency department '' without any explanation. Once requested the reason the rep became irritate, and refused any explanation. Is this just a way to make closing the account harder more difficult? Fraudsters typically do n't close accounts. Also, by law should n't there be some verbal dis-closer explaining that additional information will be asked and why? Very unsafe in this day and age > shame on you Macys.
Product: Mortgage

Going threw a divorce. Contacted greentree to get some help with payment modifications because now down to 1 income. Was told they could not help me because I wasn't behind in payments. Told me to skip a payment. Then they tried to foreclose on me. And I believe I missed out on some settlement because I had declared bankruptcy.
Product: Debt collection

I have never owned a XXXX XXXX  account. This account is reporting across all three bureaus and I have never had XXXX XXXX  nor have I ever lived in XXXX, GA. The company has provided no debt validation, also any proof that payments were made from accounts that belonged to me.
Product: Vehicle loan or lease

The initial complaint filed with your offices is : XXXX against Ally Financial. I was recently informed by my co-signer that her credit report shows a " repossession by Ally Financial '' which has cost her housing, potential loans, credit worthiness etc. by all 3 credit reporting companies. In addition, my complaint was never resolved by CFPB regarding both of the wrongful repossessions of my car when my loan was extended and it was a " computer glitch on behalf of Ally Financial. In addition, the damages to my car, my driveway, my yard and the street from the second repossession has never been resolved by Ally Financial.
Product: Debt collection

Today XX/XX/18, I received the attached notice ( Wage Garnishment Notice ) letter from the Law Firm ( Blitt & Gaines. P.C ) representing a Collection Agency ( XXXX XXXX ) regarding a debt owed to one of my creditor ( XXXX XXXX ) for an erroneous amount of {$2800.00}. 
On XX/XX/18, I contacted the Law Firm- Blitt & Gaines and spoke with a Mr. XXXX XXXX ext XXXX, and explained that I did not owe the requested amount of {$2400.00} ( at that time ) to XXXX XXXX and please provide documentation to support the charges. I was told by Mr. XXXX, that the Law Firm would return the debt to the Collection Agency for  validation and to call back in a week. On XX/XX/18, I called back but was not able to speak with Mr. XXXX, so I left a voice mail message asking to return my call at XXXX, regarding the current dispute with XXXX on behalf of XXXX XXXX. I never heard from Mr. XXXX at that time. 
On XX/XX/18, I called again and spoke with Mr. XXXX and asked him why didn't he return my call, because I would really like to settle this debt. I was told that he had a note in the file that say " do not call me '' and was honoring that agreement. I said, but when we last spoke and you asked if you could call me back and I gave you my number. He then preceded to tell me he had not heard back from the XXXX/XXXX XXXX, give it a couple more weeks. Wow! 
On XX/XX/18 ( Four months later ), I received this notice to garnished my wages. How is this possible, when I have repeatedly disputed this debt with with this Law firm? 

Please help stop this kind of Injustice, to the consumer. I have been trying to work with all my creditors a and have been successful, unless they are like thisLaw Firm. 

I would like them to cease and desist collection matters on this account!
Product: Debt collection

I received an inaccurate medical bill ( the medical code was wrong and more expensive, wanted it corrected before paying ) and the billing department has not returned calls for months, I havent received any bill nor an updated bill in close to a year ( last statement was from XX/XX/20 and still incorrect and still not returning my phone calls ). They now are submitting that bill to collections. This is fraudulent that they are trying to bill and collect on a medical service I did not receive and not even returning my calls to work with me on correcting the bill so they can collect on it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. They have failed to remove fraudulent names, addresses, accounts, potentially negative items, closed accounts, etc even after informing them of fraud / identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX by XXXX opened XXXX date of last XXXX XXXX XXXX XXXX refuse to pull this tradeline Date of Last payment confirmed with XXXX XXXX.
Product: Credit reporting

Inquiries on my credit report was removed by Transunion and placed back on without proper writing notification, which is against the law. I would like those inquiries removed please. Thank you.
Product: Credit card

I am filing a complaint against American Express regarding a fraudulent charge of {$7300.00} on my Hilton card ending in XXXX. The charge appeared on XX/XX/year> from XXXX XXXX XXXX XXXX. I did not make this purchase, nor have I authorized anyone else to use my card for any transactions with this merchant. Additionally, I have not received any goods or services related to this charge. On XX/XX/year>, American Express closed its fraud investigation and reapplied the {$7300.00} charge to my account, despite my repeated assertions that the charge was unauthorized. I was provided with a callback number ( XXXX ), but when I called back multiple times on XX/XX/year>, the call went directly to voicemail, and I did not receive any assistance or resolution. I am requesting that American Express credit my account the amount of {$7300.00} to offset the fraudulent charge and correct this error. I have not authorized this charge in any way, and I have made every attempt to resolve this matter with American Express without success.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

National Credit System refuses to speak to me about the alleged debt and says their attorney is the one who will be taking care of the debt. The office is not a real attorney office and National Credit Systems is a third party with no rights to collect. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/2024 I found a used Laptop on XXXX XXXX I wanted to Purchase so sent a message to the seller to try to arrange a purchase. I asked them to send me a picture of my name on the screen of the laptop in word processor. They were able to send me a picture and the laptop in the picture they sent matched the description and the pictures in the for sale posting. I asked the seller what payment service they have and they indicated CashApp and XXXX XXXX. Since I regularly use CashApp we agreed to use it. The total cost of the used laptop and shipping came out to {$340.00}. So I asked the seller if it would be alright if I sent {$100.00} then, and after they shipped the laptop and provided a tracking number I would send the remaining {$240.00}. About an hour later the seller was able to send me a copy of the shipping label and told me they had dropped it off at the post office. At that time I sent the {$240.00} payment to complete the transaction and pay in full. The next morning of XX/XX/2024 I tried to track the package on the USPS website and there was no history of the USPS receiving any packages with that tracking number. I then opened XXXX messenger to ask the seller if there were any problems with the shipping, and I found out their XXXX account was completely deactivated. So I then immediately opened a dispute with CashApp, but their support was not any support for me unfortunately. I thought they would be able to track down the person that scammed me since I thought they had to verify users identity when opening an account on the CashApp platform. Even though I requested to speak to a real CashApp support representative all of the responses I received seemed to come from an automated computer or something. I then called my bank to report the issue since they take Fraud and Scamming as a serious matter. So since CashApp seemed to accept and be ok with scammers and thieves using their platform to do unethical and illegal activities I wanted to report this issue to any agencies that could possibly get CashApp to realize this is a serious problem that is happening on the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for him self. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX. I have never been late. I paid on time XXXX and XX/XX/XXXX. Update to paid as agreed. XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XX/XX/XXXX. XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XX/XX/XXXX. Delete this account. XXXX Account # XXXX I have never been late. I paid on time XX/XX/XXXX. Update to paid as agreed XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX BANK Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Experian shows XX/XX/XXXX DELETE this account. XXXX  XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX DELETE this account. XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Experian shows XX/XX/XXXX. DELETE this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

All companies have yet to correct the inquiries reporting negatively on my credit profile! They must be removed immediately thank you! 

AMEX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Type of Business Date of inquiry Credit Bureau Bank Credit Cards XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX Credit Bureaus/Mortgage Processing Credit Unions Auto Financing Miscellaneous Finance Auto Dealers , Used Auto Financing Auto Financing Auto Dealers , Used Auto Dealers , New Auto Loans Auto Financing XXXX XXXX Bank Credit Cards  XXXX XXXX XXXX Auto Dealers , XXXX XXXX XXXX XXXX Auto Dealers , XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have recently started dealing with a debt consolidation company. I have informed my credit card company of this and updated contact information as suggested. Discover continues to call but now also calls my work. Every Day. I have never given them my work number or contact information. It is not listed on my account as a point of contact either.
Product: Debt collection

This spammer who's impersonating a bill collector from American Express is still harassing me XXXX times, and this time they've called me at XXXX A.M. And I still didn't answer it. I want this crook arrested. I don't have any credit card debt, and I don't have any credit cards. The number is XXXX.
Product: Student loan

According to Earnest, " Earnest updates rates on the first of the month, according to the 1-month LIBOR figure published on the XXXX of the prior month in the XXXX XXXX XXXX. '' XXXX XXXX XXXX However, the interest rates I am being charged on my variable loan do not at all correspond to changes in LIBOR. 

Earnest has calculated my interest rates as follows : Start Date End Date Interest Rate XX/XX/XXXX XX/XX/XXXX 5.400 % XX/XX/XXXX XX/XX/XXXX 5.430 % XX/XX/XXXX XX/XX/XXXX 5.610 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.600 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.530 % XX/XX/XXXX XX/XX/XXXX 5.510 % XX/XX/XXXX XX/XX/XXXX 5.370 % XX/XX/XXXX XX/XX/XXXX 5.240 % However, the published rates for LIBOR on the XXXX of each month, or the next business day are as follows : XX/XX/XXXX - 2.52 XX/XX/XXXX - 2.5 ( -.02 ) XX/XX/XXXX - 2.48 ( -.02 ) XX/XX/XXXX - 2.49 ( .01 ) XX/XX/XXXX - 2.48 ( -.01 ) XX/XX/XXXX - 2.43 ( -.05 ) XX/XX/XXXX - 2.40 ( -.03 ) XX/XX/XXXX - 2.24 ( -.16 ) XX/XX/XXXX - 2.12 (  -.12 ) Based on the published LIBOR rates, my interest rates should have been : XX/XX/XXXX - 5.61 XX/XX/XXXX - 5.59 ( -.02 ) XX/XX/XXXX- 5.57 ( -.02 ) XX/XX/XXXX - 5.58 ( -.01 ) XX/XX/XXXX - 5.57 ( -.01 ) XX/XX/XXXX - 5.52 ( -.05 ) XX/XX/XXXX - 5.49 ( -.03 ) XX/XX/XXXX - 5.33 ( -.16 ) XX/XX/XXXX - 5.21 ( -.12 ) I have contacted Earnest numerous times asking for an explanation of the discrepancy and have yet to receive any meaningful response.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.