23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please read Case number : XXXX because this is a continuation of that case that i thought was done. 

On Thursday XXXX/XXXX/2017 i contacted XXXX XXXX to say i got the credit card machine back and can use it. I gave her updated business checking account information and asked her if we were good and that it would not go on my Personal Credit Report because of the situation of the business being sold a year ago and not in control of the machine anymore. She said that we were good and that it would not go on my Personal Credit Report! 

On Monday XXXX/XXXX/2017 i checked my Personal Credit Report at night on XXXX XXXX and saw that it was on my XXXX Credit Report. Out of 10 years of being a business owner and leasing Credit Card Machines from other companies has this ever been on my Personal Credit Report. 

After i saw it my Personal Credit Report i called XXXX XXXX at XXXX and left a message to call me back ASAP. 

On Tuesday XXXX/XXXX/2017 i called again in the morning to call me back. Later on XXXX/XXXX/2017 at XXXX XXXX XXXX called me back and said she did not say that it would not go on my credit report, i said yes you did, she said no i did not, i said yes you did and then i asked if the conversation was recorded. 
She then said she will have boss contact me. Then we went back and forth, and she hung up on me. 
I then called back and left a message thanking her for hanging up on me. She eventually called me back about 15 minutes later saying she did not hang up and that she will have her boss contact me.
Product: Money transfer, virtual currency, or money service

Unauthorized zelle on my bank account funds not returned
Product: Vehicle loan or lease

While purchasing a vehicle from XXXX XXXX of XXXX on XXXX XXXX, 2020, I was told that I would qualify for 1.99 % financing by the salesman but the finance rate was 4.99 % on the contract statement and I was not notified of the change when signing the contract ( My husband & I were both there ). After discovering the rate was 4.99 % a day later, I was told that there was nothing the could be done to correct the issue. I tried to talk to the finance department manger- XXXX XXXX about this issue, and I was told that I should have come in the office right away to have the issue correctly otherwise there is nothing they could help. 

I believe that this is not misunderstanding since both my husband & I were there that day when we process the loan ; and I want to make sure that other consumers do not face the issue like I did. I decided to pay off the loan completely at this point and I have to pay the {$91.00} interest which I would not need to pay if I had know the the interest rate was 4.99 % originally.
Product: Credit card or prepaid card

I am a victim of fraud and the amount is over {$500.00}. 
I have repeatedly tried to resolve this issue with Direct Express and am getting nowhere. They're giving me the run around and have lied about having the wrong address for my dispute form, claiming they've sent it but I've only received my bank statements so how is the address wrong when mail has been received? 
They asked me to take photos of the disputed transactions and send them via email which i did and was denied and won't btell me why. 
I'm a XXXX veteran with health problems to include XXXX. I was in a XXXX  XXXX  for veterans for 3 months and am now getting put in the hospital for a week for 24 hours a day tests on my XXXX  XXXX. 
I am tired of the nonsense from Direct Express so I've had to change banks starting in XXXX. I can not XXXX because of XXXX and had to go to XXXX   XXXX  to eat because my money was stolen. 
I can only imagine how many XXXX Vets they take advantage of. 
They are liars and use stall tactics in the hopes that Vets like me will give up. 
Unethical. Immoral. Disgusting. 
They have all my data and keep stalling.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

I am filing a complaint again with the CFPB against the 3 credit bureaus for this account CHILD SUPPORT XXXX {$18000.00} Account number XXXX. I have been trying since XX/XX/2021 to resolve this issue and have not received answers in the form of FACTS. All I received is " Factual or updated ''. I have asked for full validation of this account under FCRA and fair credit and billing act. I want to know who they have spoken with and if the company has a right to collect. First off the account was reported in collection and now its not and moved to somewhere else without any explanation from all 3 credit bureaus. By law I deserved some answers. I know the credit bureaus do not conduct any type of investigation Instead they go to 3rd party vendors to purchase the information. I want to know who they have purchased this from? If they are not willing to conduct proper investigation, please remove. I have never been late and my child is an adult now. The 3 bureaus have reported incorrectly which prevented me to purchase a home. This is not right.
Product: Credit card or prepaid card

I purchased an Apple XXXX XXXX and financed through the Apple Goldman Sachs card XX/XX/XXXX. The phone was shipped to a diplomatic pouch but rejected due to the battery. I confirmed with Apple that the phone had been received by them and requested a refund. Everything was sent to Goldman who instead of issuing a refund, put in a dispute credit. I was given a provisional adjustment of {$870.00} in XX/XX/XXXX and because I called Apple again to confirm the phone was received, I thought everything was settled. However, the monthly installment payments for someone reason re-initiated without my knowledge in XX/XX/2021. I paid {$36.00} without knowing it but caught the next installment payment in my XX/XX/2021 bill. An attempt to rectify this situation with Apple resulted in a 20+ min phone call with Apple where the call center person could not even figure out how to connect me with Goldman Sachs . This convenient demarcation between Apple the store and Goldman Sachs as the financier means that I will have to go through who knows what to get this resolved. I have screenshots of my phone waiting time, the dispute resolution credit, and the reinstatement of my installment payments. My latest call with Apple, which did not solve the issue, happened on XX/XX/XXXX, at XXXX XXXX EST. I was told someone would call me directly from Goldman Sachs. I did not receive a call to continue to deal with this issue.
Product: Debt collection

On XXXX separate occasions I have sent by mail letters of correspondence to the company requesting full disclosure of the debt information. On both occasions I received no responses. Dates of mailing were XX/XX/year> and XX/XX/year>. Letters included the signed request for disclosure and copies of my drivers license and a proof of my current mailing address
Product: Credit reporting or other personal consumer reports

I recently contacted Equifax and the companies about unauthorized inquires. Equifax has not rectified the issue and do not have any accounts associated with any if the inquires. furthermore. I did not authorized any of these inquires below XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible 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

I have send company letters to send proper validation and what sources were used for validation. I continue to be sent letters of statements or that it has been validated, but no proof. Please get them to send valid proof and or source used, or delete from my credit report according to the Fair Credit Reporting Act.
Product: Credit card

Section XXXX ( a ) ( XXXX ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
FRADULENT ADDRESSES 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 Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfers

I took out a mortgage in XXXX 2015 and in XXXX 2015 entered into an agreement with Nationwide Biweekly Administration , Inc. to assist with making bi-weekly mortgage payments to my mortgage holder ( XXXX ) since XXXX did not offer a bi-weekly payment option. Then, on XXXX XXXX, 2015, I received a form email from the President/CEO of Nationwide seeking my help in stopping the CFPB from shutting the company down, included all kinds of religious based statements ( no need for religion in a regulatory dispute ) and bashing the CFPB. Then, I received a letter later that month letting me know that the CFPB had suspended their operations and that I had to re-assume the payment of my mortgage on my own and that they would get back to me when they had cleared their regulatory hurdles and established a new banking relationship. Since that time I have been attempting to cancel my agreement with Nationwide for non-performance of services on their part to be denied ( verbally ) and the escalation hotline puts you on eternal hold to the point that the system eventually hangs up on you. I have since re-established my auto-draft with XXXX and they now have a program where I can make bi-weekly payments to help reduce the 30 year stated term of the loan. 
Then, today, to add insult to injury, I received an email from Nationwide advertising " advanced features '' to pay off my mortgage. I am bit baffled at how this company can continue to advertise products and services to solicit new clients when it can not fulfill its contractual obligations to the thousands of customers that paid them to provide such service?
Product: Debt collection

Upgrade Inc sold my settled debt to a debt collection company after I had already settled and paid for my debt. The settlement and payment was for the amount of {$5800.00}, and the terms were agreed to on XX/XX/2020. I have contacted Upgrade Inc multiple times for them to resolve this error. Upgrade Inc insists that they were allowed to sell my debt even though I had already settled and paid. When I contacted the debt collections company, XXXX XXXX XXXX, I am told I must have Upgrade Inc resolve this error. 

Upgrade Inc is refusing to resolve this error is selling my settled and paid debt to XXXX XXXX XXXX. Upgrade Inc is refusing to refund me for the debt settlement payment that I have already made.
Product: Mortgage

I contacted SunTrust in XXXX asking them what the deal was with my property taxes since the county had not split the property. The person I spoke to assured me that this was not abnormal and that the county would issue a new bill in XXXX. This was thoroughly untrue. Property taxes were due on XX/XX/2020. My taxes were unpaid by SunTrust. I contacted SunTrust in XX/XX/2020. I was given just about every reason including that SunTrust had paid the taxes. The representative merged in a representative of the XXXX County Tax Office who assured her taxes were due on the XXXX, they had not been paid, there was a late fee. The representative kept saying she needed a bill in my name and the XXXX County Tax Office assured her no bill for XXXX would be in my name but that taxes were still due. XXXX County offered a bill showing the unpaid taxes. SunTrust could only accept it by mail or by fax. XXXX County could only email it. I received the email and forwarded it by fax to SunTrust on XX/XX/2020. I was told it would be resolved within 10 days. To date, my taxes are unpaid. My property has unpaid taxes yet SunTrust has an escrow account with nearly {$12000.00} in it. My unpaid taxes are {$7800.00} plus a late fee of {$540.00}.
Product: Money transfer, virtual currency, or money service

I got XXXX  because the bank did not provide stringent security measures to prevent the transaction from happening.
Product: Debt collection

I.C. System INC. repeatedly adds the same fake debt to my credit report. I have already successfully disputed the fake debt twice and had it removed before but they keep adding it back. The amount the are falsely claiming is {$61.00} and allegedly originated with XXXX internet. XXXX has absolutely no record of this debt when I spoke with them and said it doesn't exist. I do not recognize this debt as being mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated 3 written disputes between XXXX XXXX and XXXX XXXX with Transunion requesting verification of XXXX XXXX XXXX, XXXX, and XXXX XXXX Dealer services accounts that show on my credit report. These unverified items still remain on my credit report in violation of Federal Law. Transunion responded to each of my disputes saying the information was verified/updated, but failed to remove them or to send me copies of the documents that used to verify these accounts as per my request. The fact that Transunion has ignored my request to send me copies of the documents used to verify the disputed accounts is evidence that they did not properly verify any of the disputed accounts. Transunion has not produced any document with my dated signature or authorization. Yet they willingly continue to report unverified information despite the Fair Credit Reporting Act laws in place prohibiting this unethical practice. I request that these items be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was investigated my credit report I have notice a company named Mohela kept popping up. I dispute it on XXXX and XXXX and XXXX. It has been removed on XXXX and XXXX unfortunately XXXX has been adamant not removing it with no proof. I was not attending no school of such name. I have proof I have been graduated from another school I want this removed off my report completely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX I have 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Product: Money transfer, virtual currency, or money service

I sent {$12000.00} USD on the XXXX of XXXX from my XXXX XXXX bank account through Wise to XXXX. This fund was supposed to be available in three day but never came through. I am still waiting on the funds till date. 

On XX/XX/XXXX, I requested for an XXXX from Wise to figure out where this funds where and also to send to my recipient bank. They took 7 days to respond to me and when they did and the XXXX was sent to my recipient bank. My recipient bank noticed that the intermediary number they used was not one they use and in that case would not work again. I have been calling Wise twice every day since the XXXX of XXXX to find a solution but nothing was done. I was only sent to customer service with a promise that the payments team would call me. 

On XX/XX/XXXX, I ask them to recall my funds and send it back to me. It took them till the XXXX of XXXX to respond back saying they have initiated the recall but can guarantee my fund. I am beyond appalled by this. 

On the XXXX, I realized the funds was sent from Wise to their partner bank ( XXXX XXXX ), XXXX XXXX sent this to XXXX XXXX XXXX  based out of XXXX. Since my recipient bank never got this, I have told them the money is probably stuck with their intermediary bank. All efforts have proven abortive. This was an emergency fund and its been a month, without any proper guidance on how I would be getting my money. I also have all the corresponding emails I have sent to them
Product: Checking or savings account

Theres too many to list. I jumped onto chime after having my accounts compromised after identity theft because it was advertised XXXX easy, no fees, etc. 

Anything you ask chime they respond in a way that makes you certain they dont even comprehend XXXX. I have almost XXXX dollars worth of unauthorized charges that were disputed only to be denied. They reopened through what they refer to as rebuttal tonights conversation I was told no provisional credits because I was disputing merchandise not received which was never the case. The companies are all over seas. You can literally talk to them and get no where. You ask a question and they ramble on no where close to what was asked. 

I got on their XXXX page and it seems to be the norm. Any interaction is a waste of time. They should not be allowed to handle peoples finances. Definitely a predatory operation. 

Chime has been the worse part of recovering from identity theft. 

I have more docs just aggravates the life out of me because theres nothing I can do on my end.
Product: Money transfer, virtual currency, or money service

I received a text from my financial institute, telling me that I made a purchase from a department store. I called my bank to dispute the purchase. The bank told me that I needed to call the instatute that approved the payment. I called the number to XXXX, that was listed on the web. The repesenitive listen to my store, then told me that yes, there is some fragilant activity on my account, and they need to save my finacial account. the impersonator then told me to down load a app on my cell phone in order to open up a security app, which I found out later was a XXXX app, that allows one to come in and see everything on your desk top. They then had me to open up my banking account. Explaining that I needed to protect my money, so they needed to transfer my money to a safe area, until they find out what happened, so that the hacker could not get to any more funds. they then asked if I had a cash app or any way to transfer money. they noticed the cash app, and had me open it. they then transfered all of my money from all of my banking accounts into the cash app, then sent it to other institutions, and cards.. by then my son had called me, they told me do not answer, because this would mess up the process, and my money would get lost. My son texted me though and told me that all of his money had dissapeared out of his account. then I knew something was not right. I immediately hung the phone up. I called the bank and they told me that yes, all of my money was transfered They also said that there was nothing they cold do because they are not affiliated with cash appI contacted CASH APP via email. They said that they will get back to me within in ten days, time enough to investigate. At this point, I don't even know if this was cash app that I was emailing, because I think that the XX/XX/XXXX impersonator got all of my information off of my phone and hacked my emails, intercepting my emails. 

I went on my cash app account to see what was going on. the transfers were still there as cashed out. I have not heard anything else as of yet. 

I have a police report, I have reported this matter to the Federal Trade commission. 

I have pics, however, I can not send them right now. My phone will not up load them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor agreed to delete account.
Product: Debt collection

XX/XX/ i moved from XXXX XXXX notified corp office i dropped the keys in the rent office box via email. Site manager XXXX XXXX emailed me and stated i can put keys in mailbox I do not owe XXXX  anything my rent was paid in full XXXX took my deposit I now have a collection agency on my credit report hunter warfield inc located in XXXX florida. XXXX XXXX XXXX it shows XXXX opened i wasnt there this is a scam and fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX! I have won the dispute several times regarding no late payment due to them giving me false information regarding a payment they agreed to remove it because it was not my fault the payment was late after representative gave me the incorrect information however it has not been removed! I keep having to dispute after I WON the dispute with XXXX! Nothing has been taken off and I have been fighting this since XXXX after I WIN every time but nothing is updated! 

TARGET financial! Won dispute as well about late payment and it hasnt been taken off! Every time I dispute they update info with OLD info. I do not have an outstanding balance with target they are paid up however they keep reporting when I dispute that I owe {$75.00} which says from XXXX it is almost XXXX. These things were been suppose to be removed and I cant get a house or anything with it out my credit after agreeing to remove!