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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Bankruptcy Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I opened a Citi gold account ; linked my XXXX account on XX/XX/2020. Citi bank made credits and a debit for verification and asked me to verify those cents. After the verification they linked the XXXX account in their web site on XXXX. I made a transfer from the Citibank web site on XXXX of {$78000.00} and the money was credited XX/XX/2020 Auto S1 Debit CITIBK CK WEBXFR TRANSFE - {$78000.00} The Citi bank electronic transfer team tried to reach me for verification, but unable to contact me and the rejected the transfer on XXXX and said that the money will be returned to my XXXX account in 3 to 5 business days. But I do not see the money credited back to my account. When I contacted the Citi bank, they told me to reach to my XXXX XXXX and ask for the money. I contacted the XXXX and they did not see any transfer back from Citi to my XXXX account. The rep from move money team of the XXXX XXXX  was very helpful and she was in a conf call with Citi rep asking for the details of how the money was returned to XXXX. The Citi rep is unable to provide any info / offer any assistance. I need help to get the audit trail of the money and have it credited back to my account and either complete the transaction or return the money.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

When I called the " Check into Cash '' location the person answering the phone stated that I only made 3 payments and I paid the entire balance that I borrowed back I made over 6 to 7 payments. The payments were withdrawn from my checking account. Check into Cash have sold this loan to a Collection Agency in the amount of {$1300.00}. I only borrowed {$1300.00}. I have not heard back from the Collection Agency I tried calling and I can not get straight answers about this account. I never did business with this Collection Agency ( XXXX XXXX XXXX  ). I can not afford to pay this and I can not afford to have them place this on my credit history. These are fair practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

I opened a TD Bank credit card account on the premise that, as a promotional offer, I would enjoy a 0 % APR on purchases for the first 15 billing cycles. 

To my surprise, TD Bank charged me interest expenses on my outstanding balance as of the second billing cycle. 

I called cusotmer service to understand the interest expenses charged to my account, and the customer representative told me that the promotional offer include a 0 % APR on balance transfers. However, the APR on purchases is 24 % .I received the promotion via regular mail, so I am not being able to show definitive proof of TD Bank 's fraudalent practices. 

Followign my conversation with the customer representative at TD Bannk, it seems that TD Bank is trying to attract customers by saliently promoting a 0 % APR, without being explicit about the fact that the promo does not apply to regular purchases. I recommend the CFPB to require financial institutions to more saliently detail their APR promos.
Product: Credit reporting or other personal consumer reports

I just looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts : XXXX XXXX. Account # : XXXXXXXX XXXX XXXX. Account # XXXX, are not complete and accurate. 

I and my 3rd party hired professionals have sent several letters since XXXX XXXX asking them to make sure everything is complete and accurate and here is my file number XXXX They keep sending me the investigation back saying that everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. And according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my understanding someone reported false information an false address an date of birth on my XXXX credit report cause my credit report be poor along with false information to harm my credit an long proving false information to credit card company denied my credit requests everything be removed off my report reporting false information to all 3 credit bureaus company allowed to stop false information being reported with. Full disclosure an investigation need to file my name is XXXX XXXX XXXX XXXX XXXX XXXX what's on my identification an state issue identity card address fraudulent activity that someone use my personal information to uptain credit online illegally here is the supported document to support the claims an request to forward this to support my XXXX settlement i never received
Product: Debt collection

I have gotten calls from a debt collector over debt that was medical debt. It was illegally sold to a third party which shows my personal medical information which is against the law and a hippa violation to sell your medical information to a third party
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 1 : XXXX XXXXXXXX Account number 1 : XXXX Account name 2 : XXXXXXXX XXXX Account number 2 : XXXX Account name 3 : XXXX XXXX  Account number 3 : XXXX I looked at my Experian credit report back in XXXX and noticed some things are incomplete and inaccurate. It ranges from everything to dates being wrong, credit limits wrong, balances wrong and most importantly Payment history inaccurate. I have sent numerous dispute letters and can not get them to delete or modify the accounts appropriately. My screenshots from XXXX prove the misinformation they are spreading that remains on my credit report. According to the fair credit reporting act whenever a consumer reporting agency prepares a credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any further investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are not supposed to 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. 

Please hold Experian accountable by making them remove these accounts from my credit report and send me a copy of the updated report.
Product: Mortgage

2 months ago Flagstar Bank sent me a letter letting me know that my mortgage payment will increase due to a change in the insurance I chose. They also let me know that I had been sending the payments to the wrong location ( XXXX, Michigan ). The location of where I'm to send the payment is now XXXX, Texas. I sent the payment on XX/XX/XXXX as the money order receipt shows. They payment is XXXX, though I always round it up to XXXX. 2 weeks ago I got a message from Flagstar that they never received the payment, this has happened several times when they change the payment location and even though I had a conversation with them they are still claiming that they have not received it. Notice also on the attached documents the XX/XX/XXXX payment from their website. I sent that payment early and to the XXXX, Texas address. I am frustrated all the time with them and feel that they are trying to take my house even when I make the payments on time. Even when I spoke to them they should have at least checked the XXXX, Texas office to see if the payment was there instead of automatically assuming that I missed the payment. I sent other money to other bills that same time and they all received their payments. I also feel that since I got dismissed from bankruptcy they are really trying hard to put me back into foreclosure.
Product: Debt collection

The original debtor has removed themselves off of my credit due to inaccurately reporting on my credit to begin with. I never had a loan with XXXX and thats what they reported on my credit. I took this matter up with XXXX XXXX XXXX and was able to get the account removed. This collection agency has no account to link with on my credit and needs to be removed immediately as requested several times. Also I was never notified in wiring or via phone about this attempt to collect a debt yet it was added on my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent a remittance to my brother in-law in the XXXX in the amount of {$410.00} via World Remit. The following day, WorldRemit sent me a note that the transaction was already completed. When I verified with my brother-in-law, he said that when he went to the WorldRemits partner to get the remittance, he was informed that the money was already taken by another person. My brother-in-law was shocked and interrogated the WorldRemit partner and found out the WorldRemits partner failed to check the other persons ID, signature and improper full name. 

When I reported this problem to WorldRemit management, they assured me that they will investigate their partner and resolve the problem right away. So almost everyday I called remit on status and they responded that they were still investigating. Days passed since XX/XX/2020 todate, XX/XX/XXXX, there was no resolution of WorldRemit promise. I have spoken already to approximately 25 WorldRemit management and still no resolution. Hence this request for CFPB help by myself.
Product: Student loan

My XXXX Nelnet loans were transferred to XXXX on XX/XX/XXXX. Since then, I have had XXXX loans held by Nelnet. However, my XXXX Nelnet loans are still appearing as " open '' on my XXXX credit report 13+ months later, with their balances as of when they were transferred in XX/XX/XXXX. ( These XXXX incorrect loans are listed in addition to the XXXX correct loans now held by XXXX. ) I have filed 3 separate disputes with XXXX to correct the Nelnet loans, starting in XX/XX/XXXX. Each time, XXXX contacted Nelnet, but the information was not corrected. Instead, my credit report now states that these loans are correct as of XX/XX/XXXX, even though the information is a year out of date. Following the 3rd dispute, I contacted XXXX via phone to ask what was needed to remove the Nelnet loans. XXXX told me that they needed a letter from Nelnet stating that these loans had been transferred in XX/XX/XXXX. 

I then called Nelnet on XX/XX/XXXX. The person on the phone directed me to email their customer service email to ask for this letter. I sent this email the same day ( XX/XX/XXXX ). However, as of XX/XX/XXXX, I have not gotten any meaningful response. ( I did get one response on XX/XX/XXXX asking for my personal information so that they could locate my account, and another email on XX/XX/XXXX asking me to re-send an attachment, but nothing since then. ) On XX/XX/XXXX, I filed a complaint against Nelnet with the XXXX XXXX XXXX. They responded that it was up to XXXX to report my loans and that their action would be to request that XXXX do this. I replied that the issue was not with XXXX since XXXX had already been correctly reporting my loans for over a year, and I again requested the letter for XXXX. Nelnet 's rebuttal was that they had not provided any information to credit reporting bureaus since XX/XX/XXXX. I provided documentation from XXXX proving this was false. The customer service agent I spoke to on XX/XX/XXXX also confirmed on the phone that Nelnet had communicated with XXXX when XXXX investigated my disputes, but that Nelnet had failed to notify XXXX the loans were closed and had only provided the outdated balance and the note that the loans were in " good standing. ''
Product: Mortgage

I called to inquire about getting a Home Equity Line of Credit from bank of the west. My loan officer XXXX XXXX NMLSXXXX misquoted and mislead me into thinking I could borrow 80 percent LTV on my investment property HELOC. That was more than any other institution I had called. I decided to proceed with the application based on the 80 percent LTV. However after my credit score had been pulled he stated that the bank was in fact unable to loan that amount on my home based on the fact that it was an investment property. He changed the LTV from 80 percent to 65 percent which was an identical amount to every other bank I had shopped at. He mislead me and pulled my credit score under false pretenses and then had no solution to the problem. He even asked if I would like to continue with the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Checking or savings account

I held an account in XXXX through XXXX in XXXX XXXX, Colorado. I was hit with several overdraft fees that I felt to be unfair. I even called the customer service line and got no help for this. The overdraft fees and bank fees alone made it impossible to raise XXXX children while trying to get ahead with my credit. I eventually was forced to close my account because I couldn't take it anymore. My credit plummeted, and I ended up losing my home.
Product: Credit reporting or other personal consumer reports

This is my THIRD NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX
Product: Debt collection

I am submitting this complaint against Aldous & Associates for their failure to provide a notice required under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ), and for their improper reporting of a collections account to the credit reporting agencies without giving me the requisite notice. 
I recently discovered that a collections account was reported on my credit report by [ Aldous & Asscoiates However, I never received any notice or communication regarding this debt, which is a direct violation of the FDCPA. As outlined in 15 USC 1692g ( a ), a debt collector is required to provide a written notice to a consumer within five days of their initial communication regarding the debt. This notice must inform the consumer of the right to dispute the debt and request validation of the debt.I did not receive any written notice or communication from Aldous & Associates regarding the collection account before it was reported to the consumer reporting agencies.According to 15 USC 1692g ( a ), a debt collector must send a notice within five days after their initial communication with the consumer. This notice must include specific information regarding the debt and inform the consumer of their right to dispute and request validation. Without this notice, I was denied the opportunity to dispute the debt before it was reported to the CRAs. 
In my communication with Aldous & Associates, I specifically requested that they provide certified mail tracking proof of the notice. They have failed to provide this, and instead, they only responded by stating that they would treat this as a formal dispute and reach out to the creditor ( XXXX XXXX ) to send a response to my address. This response does not address the critical issue at hand : the failure to notify me of the debt and report the account to the CRAs without giving me the right to dispute it beforehand. Aldous & Associates has violated my rights under the FDCPA by reporting a collection account without providing the proper notice required under 15 USC 1692g ( a ).
Product: Money transfer, virtual currency, or money service

I am the author of a New Book Coming out called XXXX. I have been working to Pre-Sell the book by adding a website, payment processing and building social media platforms. 

I already have 4 other methods of online payment processing but several older customers asked I set up PayPal I did set it up and after a 4 day delay was accepted ( screenshots are attached of the chronilogical order ). 

I began advertising for paying with PayPal on 6 platforms including XXXX and my XXXX   Website Because I am traveling to promote the book I decided to attach a debit card to the account to use fir purchases. It did not work out. So I called customer service and that lead to the next 54 hours if chaos, lies, deception and even a representative who tried to get me to commit fraud. 

I was told, actually demanded in order to use the account I had to change the name in the account our if the Business Name to NY personal name I was asked to submit all of my proof if who I am including my driver 's license, SSN card and proof of address. 

I was told I had been placed on an expedited track and would have an answer in 72 hours because of XXXX day. 

I called back 3 days later to speak with a supervisor because my account still showed my identity confirm was not approved I asked fir a supervisor. She told me I was being restricted because I had a second account. I vehemently denied I have had an account with PayPal fir a number of years but the person who told me I needed to change the name in my business account took all of my info and tried need to make a fake account using an email I had not used in 3 to 5 years She said she would file fraud on This flagged info and I would get a call from PayPal in 3 days. 

That was 6 days ago. 

BUT I just looked through my email and found that on XX/XX/XXXX I received an email my account had been restored. 

I still haven't been able to get money out of the account for purchases. 

I received an email 3 days ago stating they were going to restore it but still have not In looking online 209 complaints on same topic either from consumers or small businesses.