23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I sent a letter of validation pursuant to 15usc1692g certified united states mail to the dispute department at the XXXX XXXX XXXX XXXX XXXX XXXX. I sent the letter it was recieved XXXX. I called today XX/XX/2023 at XXXX I was on the phone with a rep for XXXX minutes because a supervisor would not come to the phone to handle my questions. It has been over 30 days and no validation of the debt has been sent to me as requested.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint regarding the inaccurate credit information being reported. I am greatly distressed by the inclusion of this detail in my credit profile, as they have adverse effects on my otherwise positive credit history. It is imperative to adhere to credit reporting laws, which mandate the reporting of only accurate credit information. Undoubtedly, the inclusion of this erroneous information is either an error on your part or on the part of the reporting creditor. 

The inaccuracies on my credit report have resulted in unjust denials of credit recently, causing considerable embarrassment and negatively impacting my quality of life. Therefore, it is crucial that this information be promptly verified and removed from the report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Southwest Credit Systems ( XXXX ) XXXX, keeps calling my telephone number looking for a XXXX XXXX. I have tried contacting them several times asking them to stop calling my number for this person because I do n't know who this person. They called ( robo call ) me today Sunday, XXXX XXXX, 2016 at XXXX. I want them to stop!
Product: Credit reporting or other personal consumer reports

I called Walmart Mastercard helpline number and asked for information regarding account showing up on my credit report. I never applied for a credit card from Walmart and it shows the address from XXXX where I never visited. 
Balance showing is {$1300.00} and credit limit was {$1000.00} only. 
Account ending XXXX. 
I consulted the helpline and they weren't able to find my account. Since, I have only few last digits showing up on my report, thats the best I can tell them. I told them my address and other address showing up on my file from XXXX. The helpline still cant identify the issue and now the account went delinquent hitting my score from XXXX to XXXX. I cant apply for any loans for car or mortgages. 
I also filed dispute thru transition couple times. Last I remember was XX/XX/year>.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wired {$2000.00} to family member in XXXX from a td branch. I paid {$50.00} for the transaction which brings the total to {$2000.00}. When I checked on the status on XX/XX/XXXX, i was told it had been processed and sent. The recipient never received it. On XX/XX/XXXX, XXXX was returned to the account with no explanation. I contacted the bank, i went to the branch, no one seems to be able to assist me. Apparently, TD sent only the equivalent of {$1800.00} the receiving bank in XXXX rejected the transfer because it was incorrectly noted as {$2000.00}. I have attached these receipts. The agent who helped me on XX/XX/XXXX did his own exchange and incorrectly noted that the exchange rate was XXXX XXXX for {$1.00}, when it should have been {$88.00}. TD deducted XXXX from my account and they need to make me whole for the remaining portion that they deducted and did not send and therefore could not be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lion loans says I owe them {$460.00} but when I went onto my account it says it was paid in XXXX I feel like everything on my account is incorrect I have XXXX Apartments on there and it says I owe them {$1300.00} something like that but that's false my mother was living there in XXXX I was not living there I was living with my grandmother with my son she use my name I had just turned XXXX now that I'm grown I'm trying to find me somewhere to go because I am homeless with XXXX children and I filled out so many apartment applications and I got denied because of my credit which is not updated then there is XXXX XXXX I do not owe them I went to my account is there was nothing there. Where is XXXX XXXX XXXX I paid that on the XXXX of XXXX I think. I tried to dispute but it was declined I'm not sure if I did it correct. I have goals with my credit. My mother said she paid the XXXX apartment balance of XXXX in something I need that removed or it can go on her credit I have the manager of the apartments to vouch that I did not live there and that is damaging me getting a apartment.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - **Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXXIncorrect Addresses*XXXX : XXXX XXXX XXXX XXXX XXXX IL XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OHXXXX ** Incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : - **Full Name** : XXXX XXXX XXXX XXXX XXXX XXXX*Correct Date of Birth*XXXX : XX/XX/year> - **Correct Social Security Number** : XXXX - **Correct Address** : XXXX, XXXX XXXX XXXX, OH XXXX - **Current Employer** XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to shop for car insurance around 15 days back ( XX/XX/XXXX ) and my agent quoted a really high premium which was surprising. He told me that I had an accident on my file that happened in XX/XX/XXXX with my car and that is causing my insurance charges to be high from all providers. 

This accident happened on the car that I own now but I bought this car in XX/XX/XXXX ( 6+ months after the accident date ) and the accident happened with the previous owner but it wrongly shows in my report which is impacting my insurance premium. My agent was able to share a LexiNexis report with me ( reference # - XXXX ) which shows this accident on my report Car details : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) I tried to reach lexisnexis on their customer care and then website but there is no easy way to reach them where I can raise my concern and get the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was working with another company regarding a business mater. 
I was told by the other company that I have not paid my mortgage since XX/XX/2018. I have paid my mortgage and the mortgage is current.. My mortgage is showing at the credit bureau that I have not paid my mortgage since XX/XX/2018. 
This can effect my credit score as well as other adverse actions.

Also, I have not received my mortgage statement since XX/XX/2018. When I call Selene Finance XXXX XXXX a customer service agent said a third party administrator will send the statement. I have been calling since XX/XX/18. 

Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They inform me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I've been reaching out to this company to remove the alleged debt from my consumer report. While I'm in the process of reaching out to the company they never gave me any supporting documents nor written authorization that I started the debt. Every time I try to communicate with this company to dispute the debt they send me price reduction. The company XXXX XXXX XXXX keeps sending me reduce prices of the debt instead complying with my request or showing me proof of the debt. I had the same account on my XXXX and it's still reporting to the other XXXX consumer agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a client sent money via PayPal to pay a deposit to reserve dates for my vacation rental. PayPal requested a tax id to confirm the transaction and stated ID verification would take 15 minutes. Thereafter, funds would be released to me. It's now been 3 days and the funds have NOT been released to me. I called PayPal this morning. They stated that there are systems issues and there is no time frame on when this " issue '' will be resolved. This is completely unacceptable and illegal! They are withholding my money and I'm sure thousands of other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30  allowable days.
Product: Checking or savings account

Citibank denied my claim for unauthorized transaction on my checking account ending in XXXX from XXXX today XX/XX/year>. They stated a debit card was used and that was the only reason they denies it. Citibank fail to protect me as a consumer by not notifying me any of the transactions that was unauthorized by XXXX. Citibank allowed over XXXX plus unauthorized transactions from XXXX to go through my checking account with debit card ending in XXXX, costing me over XXXX dollars missing. 
XXXX  Unauthorized ACH transfer {$30000.00} dollars out of my checking account XXXX XXXX XXXX XXXX transactions over XXXX plus transaction totaling {$120000.00} dollar on card ending in XXXX. 

Citibank only honor the claim for the the XXXX XXXX dollar that was missing and is refusing to honor the claim on debit card transaction that was also from XXXX. 
Citibank negligence in not notifying me or stopping to verify any of the transaction from XXXX have caused me emotion pain, on top of that Citibank have closed my bank account with them when I raised the concern that it was they ( Citibank ) who failed to protect me and as to why was the XXXX XXXX dollar claim honor and not the XXXX dollars from the debit card? This is Citibank way of trying to get out of a claim knowing full well that they have failed to protect me as the consumer by denying my claim and closing my account with them.
Product: Credit reporting or other personal consumer reports

Escalation of Dispute - Formal Notice of Intent to Sue I am writing to express my dissatisfaction with Early Warning Services ' continued denial of my requests and the lack of resolution regarding the unauthorized sharing of my consumer information. 

I understand Early Warning 's classification as a specialty consumer reporting agency under Section 603 ( x ) of the Fair Credit Reporting Act ( FCRA ). However, I strongly assert that this classification does not absolve Early Warning Services from respecting and upholding consumer rights, particularly regarding information sharing as outlined in 15 USC Code 1681b. 

Despite multiple attempts on my part to address and resolve this matter amicably, Early Warning has consistently provided the same response, citing their exemption under the FCRA. This response is both unsatisfactory and unacceptable. 

I want to reiterate the impact this situation has had on me, causing significant financial distress and hindering my ability to access essential banking products. The continued stale responses are not only unhelpful but also frustrating, leaving me with no choice but to escalate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

un-validated Inquirys appearing on my credit report on XXXX of XXXX and are not recognized by me
Product: Debt collection

I have never lived at the apartment. I live in XXXX XXXX during this time frame. My husband was in the military at XXXX XXXX.
Product: Checking or savings account

DO NOT BANK WITH HUNTINGTON!!! I went to deposit {$900.00} on XX/XX/XXXX into the atm at this location. This was for rent that was due the next day. XXXX in XXXX 's and {$200.00} in XXXXXXXX XXXX, to be exact. When I tried to submit the deposit, the screen told me the deposit could not be processed and to seek financial advisement from my institution. No money back and no receipt printed. Of course, they were locking the doors and leaving for the holiday weekend and told me to contact the fraud department. I went back through the atm to do a balance inquiry to see if maybe it had still posted. Upon finding that it didn't, I called the fraud department and reported this, even sending them the one receipt from the balance inquiry that had a time stamp. I was told there would be a rush on the credit to my account. Still took the full 10 day period. It is now XX/XX/XXXX, and they took back the credit to my account. I was told that the atm did not show an overage. So where did this money go?! The notes that were taken said they only saw me go through the atm to do a balance inquiry and that no deposit was made afterward. This would be because I made the deposit BEFORE the balance inquiry. I told the fraud department this when I reported it in the first place. So now I have bills to pay, and my account is sitting at - {$500.00}. This is beyond crooked. I am flat-out disgusted. Some people can afford to be out {$900.00}. I'm not one of them. If you're looking for a bank to XXXX you and XXXX  your trust and your rights, Huntington is the bank for you. If not, I would strongly advise you to look elswhere.
Product: Credit card or prepaid card

There were multiple charges I didn't authorize or make that were made minutes apart for same amount however the merchant name would slightly change on each transaction. I tried to serch and ask for information about the merchant yet couldn't find anything or never received any details from dispute team at my bank! I was just told dispute was finished and no credit would be issued due to no error found which it only took a week for their investigation which I found to be odd " normally it takes at least 10 days or longer, '' 7 days is a very fast and quick investigation which explains why I didn't get any details about it or information to be able to contact the merchant myself.
Product: Credit reporting or other personal consumer reports

I am sending to inform you that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXXXX/XX/year>
Product: Student loan

XXXX amount {$2000.00} and XXXX {$250.00} and XXXX {$2200.00} and {$1900.00} at nativent school went out of business or closed down and they spent my information to some school that is called aidvantage that I do not have any Knowledge of or did not sign a conTrac with aidvantage I feel like it should be discarded off all my credit reports its stop me from been able to get thing. And I also been disputing it off my credit and I also contact to the school about this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had such an experience in my life. I never had a timeshare I was threatened to pay or my credit would be ruined. I dont own a timeshare. Can someone just ruin your life and make you pay for it? Please delete now. 

Barclay. I have no idea where this came come I was told it would be deleted. Its still on my report. Its not mines XXXX XXXX  XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine I never had a time share this is illegal. Please delete this now. I dont understand how this happened. Is it because I am XXXX? 
BARCLAYS BANK DELAWARE, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine i never had this card I was told it was a authorized user. You
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : ... XXXX XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX  # XXXX T Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # ** *Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX  # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX  # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.
Product: Student loan

I submitted a competed reaffirmation form XX/XX/XXXX. I was told I would receive confirmation of my filling within 7 business days. I am beginning a Master 's program on XX/XX/XXXX, which is why this form was needed so that my Financial Aid could be released. Here we are, XX/XX/XXXX, after 4 calls and 4 surgery people including a supervisor, I still have not received the form, which means I'll have to push my start date for school back. I have no books and am in no way ready to begin in 6 days due to this hold up. I was promised the form today and still haven't received it after speaking with 2 additional people. I need help with this issue. This is very poor customer service.
Product: Debt collection

I purchased a house XXXX of last year, after the second payment and in good standings, another bank said they obtained my debt and i owe them. I wrote a letter to the XXXX top people a m & t bank. i ask who are you, i never heard of you guys, i never did any business with you guys, i never sign any contracts with you guys so prove to i owe this debt. I said to them i have the right to validate this debt, according to title 15 usc 44 i have the rights to validate this debt, i as them to show me how they obtained this debt, then i ask for my original promissory note, booking of records, financial records and corporate records and they didnt send any documents i asked for, they only sent copies i already have closing paperwork.
Product: Money transfer, virtual currency, or money service

I am a XXXX of XXXX in XXXX and I opened an account in the Bank of America, to attend emergencies and some purchases when I am in the USA. That's why I did not check this account often. When I went to make a payment there were no funds for the value being that I had funds. That's when I checked the account and found several attempts to fraudulently send my account amounts to an person in XXXX ( from a region known to be a source of illegal immigrants to the US ) by company XXXX. In the last two attempts the Bank did not make the reversal and so far I am struggling to prove that I did not even know the XXXX company and never had a registration. I already registered occurrence in the police of XXXX, USA and FBI. What else can I do to prove that I was the victim of an internet fraud?
Product: Debt collection

ALDOUS Collection agency is reporting an account in collection. This account was paid off ( it means it is not longer in collection ) and stills showing in collection. 
Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the credit bureaus has ignored my request that my privacy has been breached under 15 USC 1681a ( 2 ) ( B ). They do not have my written consent or verbal consent to have my information on their website and that they have failed to comply to my " Affidavit of Truth '' with their own Affidavit, since they have failed to answer my affidavit with their own affidavit point by point my " Affidavit of Truth '' stands as truth, and that an affidavit can only be answered by an affidavit. I am asking that they delete all information that are in violation of my rights as a federally Protected consumer under title 15 chapter XXXX. Please resolve this manner as soon as possible. Thank you