23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My mother who banks at Bank of America, made a wire transfer to XXXX XXXX XXXX XXXX XXXX, the wire transfer was for XXXX dollars that was a gift for my boyfriend and I for the purchase of our first house. The wire transfer was made on XXXX XXXX 2017. On XX/XX/XXXX,  after we had signed the purchase of the house, the tittle company realized the wire transfer never went thru. My mother went to the local branch of bank of America, located on XXXX XXXX XXXX XXXX XXXX NV XXXX, where they told her there was a hold up with the transfer because they needed more information about the country where she was born and the citizenship of my boyfriend ( which he was the reference name on the wire transfer, both my boyfriend and mother are US citizens, at this point my mother never received a phone call or email telling her about any issues ) My mother 's English is not 100 % but she understood the banker that they were gon na fix the problem and they were gon na process it thru, but they never did. after I got off of work that day I went to the branch with my mother and talked to the banker again. They told me the transfer was being held for approval after the citizenship and my mother 's place of birth was confirmed. At this point my mother had to withdraw money from some credit cards in order to come up with the rest of the money to buy a cashiers check for XXXX dollars, because without that money we could not close the deal and seller of the house could n't get funded, that held us back 1 day. The banker told us they had put a cancellation order for the wire transfer and that the money should go back into her account as soon as possible. It has been 2 weeks and the money has not been returned to her account. Today she went to the branch again to ask what is going on and she was asked to provide my boyfriend 's social security information and ID to proof citizenship again before they can return the money back to her account. Now my question is, why are they withholding her money? Is there any law that prohibits a US citizen not born in the US to not be able to wire transfer money? Is it even legal for a bank for a bank to hold her money? i would assume if there was an issue and she could not wire transfer money, that money should have been returned automatically to her account? I am very confused and angry about the treatment she is getting, We have never experienced anything like this before, She has made many wire transfers before, she is a business owner so she always makes transfers, deposits withdraws and never experienced anything like this. The whole point of a wire transfer is to be able to transfer money in a secure and fast manner. The lack of commitment from bank of America to solve this problem is really appalling. And as soon as she gets that money back into her account she will be switching banks.
Product: Debt collection

This is an identify theft issue and we have submitted all documents to the authorities and FTC. This is not a valid debt.
Product: Credit reporting or other personal consumer reports

They agreed if I made a {$34.00} payment they would show my account in good standing. I made the payment on XX/XX/23 and on XX/XX/23 the account was showing as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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
Product: Student loan

I made over $ XXXX in payments on my student loans during XXXX forbearance and requested a refund from my servicer ( aidvantage ). They have not provided any documentation on when the request will be processed and have not provided proof a request has been submitted. They also do not tell me when my refund will be issued. There is no proof or evidence that they are processing my refund and have not issued my refund ever after 6 weeks since the initial request.
Product: Credit reporting, credit repair services, or other personal consumer reports

While doing online banking on my capital one account I saw alerts of a delinquent account from a credit bureau company. Further research showed that a company name AFFIRM had a loan in my name of approximatelyXX/XX/XXXXdollars ( could be more ) that I did not apply for and knew nothing about in delinquency status and had reported it to the XX/XX/XXXX credit bureau.. 
I called affirm to report this, I made an official complaint with them. The confirmation number for this complaint is XXXX. 
So someone had used my personal information to apply for a loan from this company. At no time did I receive any information from affirm regarding this loan or default of a loan. I found out about this through checking on my credit updates.
Product: Checking or savings account

Navy federal credit union- posted overdraft charges, when funds were low but there and would charge fees for no reason. No fault of mine, just careless.
Product: Credit reporting or other personal consumer reports

The debt Collector has not provided me proper debt validation for this alleged debt. I requested verfication/validation of the alleged debt and requested a copy of the contract of agreement on XXXX all they did was updated the date to current. 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

We installed a solar panel in XX/XX/XXXX and billing started in XX/XX/XXXX I paid XXXX bill of {$150.00}. I realized my electricity bill was too high why do I have solar panels installed if getting higher electricity bills? I contacted Solar panel installation agent installation company XXXXXXXX XXXX XXXXXXXX lender. No one responded just an automatic response from XXXX no solution no one checked what was wrong. It was for {$65000.00} I was told it would be {$40000.00} but it was for {$65000.00} There no solution no action. Its over a year to asking to remove panels and stop billing since XXXX already disconnect solar panel since XX/XX/XXXX. Every month XXXX reporting to credit reporting agency. It ruined my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to learn I have been a victim of Identity theft. I found numerous accounts that were not open by me. This has been hurting me as Im a n the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

Thanks in advance for assisting in resolving this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX Treatment of inaccurate or unverifiable information. 
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. 

Promptly delete that item of the information from the file of the consumer, or modify the that item of information, as appropriate based on the results of the reinvestigation.
Product: Debt collection

Debt collector is in violation of FDCPA. It violated my privacy and parked debt on my credit report ( s ) without my knowledge. Please see attachments.
Product: Debt collection

I have a a unverified account from CREDIT COLLECTION SERVICES # XXXX. I had previously disputed this account. I have never done business with CREDIT COLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT COLLECTION SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT COLLECTION SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  do not have any rights to collect a debt according to UCC 3-203. They've also given away my personal information to consumer reporting agencies which is an infringement of my rights under the Privacy Act of 1974. Collection rights are not transferred with securities and neither are my rights transferred. Only the original creditor has a right to collect and those rights were lost once the security was transferred. As clearly stated in UCC 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.

FURTHERMORE, the constant fraud and currently opened lawsuits associated with these 3 reporting agencies, Equifax, XXXX XXXX XXXX, put the security of my privacy and credit files and reports at high risk which results in many errors and fraudulent entries being furnished on my reports. 
And also as you all now know, CFPB finalized rule to remove medical bills from credit reports, do you shall do so immediately
Product: Debt collection

Over the last 6 months I have received over 20 phone calls calling to collect a debt. The robo caller is asking for somebody named " XXXX XXXX ''? That's not anything remotely close to my name. I have called multiple times to inform them that they have a wrong number. I am blown off.
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that this late payment actually belong to me. 
The item in question is a late payment reported by XXXX for the account number XXXXThe late payment is reported a dated XXXX XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Transunion are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected. 
Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Product: Debt collection

I have previously sent LVNV FUNDING a request to validate this debt, for the following account numbers, on XX/XX/2020 XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given LVNV FUNDING 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XXXX/XXXX/2020 Since LVNV FUNDING are still reporting this account on my credit report, LVNV FUNDING are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from LVNV FUNDING by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from LNVN FUNDING within 15 days. LVNV FUNDING should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put LVNV FUNDING company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report at XXXX XXXX and XXXX appear an account by " Ascendium Education " with two different opening dates ( XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX XXXX ). The reporting company " Ascendium Education " had never contacted my via mail, I have no knowledge of any account opened by me with this company. this report is negatively affecting my credit history and my ability to be approved in any credit request. please help me.! thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit sc
ore and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX XXXX LOAN SERVICES ABOUT REPORTING INACCURATE INFORMATION ON MY ACCOUNT SINCE XXXX WHEN I WAS FIRST APPROVED FOR MY ACCOUNT WITH THEM THEY HAVE BEEN REPORTING INACCURATE DATES ON MY CREDIT REPORT STATING THAT I HAD LATE PAYMENTS IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE SENT OFF SEVERAL LETTERS IN XXXX, XXXX, XXXX AND XXXX AND XX/XX/XXXX ASKING THEM THEM TO REMOVE THESE INACCURATE REPORTINGS OFF MY CREDIT REPORT I HAVE NO HEARD ANYTHING BACK FROM THEM, I TOOK IT TO THE NEXT STEP IN XX/XX/XXXX ASKING EXPRESSION, XXXX  AND XXXX TO REMOVE THIS INACCURATE INFORMATION FROM MY REPORT I HAVE SENT THEM EVIDENCE SHOWING WHEN I HAVE MADE MY PAYMENTS I STILL HAVE NOT HEARD ANYTHING BACK AND IT IS NOT XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Employer - XXXX  XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX parked an old debt as if it was brand new ( illegal to do ). First tried it on XXXX. I filed a dispute and XXXX  removed the collection in four hours. The next day XXXX hit transunion and XXXX I disputed with transunion and they said it was accurate. I called to have the. XXXX and they said they called XXXX and XXXX said it was correct. IT WAS NOT CORRECT they did not even try to fix the issue. I believe transunion failed in their obligation to stop the illegal parking of the debt. Still waiting on XXXX dispute. XXXX XXXX XXXX and transunion are breaking the law
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I am deeply disappointed by the violation of my consumer rights through the provision of inaccurate information. Fair treatment and transparency are crucial to me as a consumer. Please provide detailed information on the shortcomings regarding accuracy and compliance. Certification holds no value to me. I prioritize factual and truthful data concerning your company and my credit profile. It is concerning that the credit report received does not adhere to necessary standards, raising doubts about its accuracy and proper formatting. I urge you to promptly remove any false accounts from my credit report. Timely resolution is essential to prevent future financial consequences. My credit report is of utmost importance, and I expect only accurate, verified, and compliant data to be documented.I must express my deep disappointment with the data presented, as it has not undergone the necessary certification to comply with established reporting standards. It is crucial to underscore that this information may be lacking in completeness, relevance, or proper validation. Consequently, I earnestly request the removal of any inaccuracies or unsupported content from this page, as such omissions detract from the reliability and credibility of the provided data. 1 PROGRESS - XXXX, 1 PROGRESS - XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly asked for Experian to reinvestigate this account inaccurate information being reported to my consumer report. 
I sent a request for reinvestigation and method of verification of the information to Experian on XX/XX/XXXX. I was met with more inaccuracies. The inaccuracies are highly injurious to my credit score ( XXXX XXXX account # XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D. I have the right to ask for names and addresses of each individual with whom the information was verified. Clearly this was not the case. Because I was sent another credit report with inaccurate information. ( see attached report results from XXXX XXXX dispute ) This account was charged off on the following date : XX/XX/XXXX Since then, the account has repeatedly been updated as new charged off every month. This is an update in the payment history. A charged off account should not provide an active payment history. ( see attached current Experian report XXXX XXXX. 

This inaccurate information falsely manipulates the statue of limitations and Experian is not properly investigating this account. I have asked multiple times and Experian 's neglect has violated my consumer rights. I am demanding a deletion of this account. 

XXXX XXXX account # XXXX )
Product: Debt collection

XXXX XXXX reported a debt to all three credit bureaus. Ive reached out to this company along with my attorney to validate the accuracy of this alleged debt with no success. I already satisfied the debt with the Original Creditor as stated on my credit report therefore I am unsure as to what these continued charges are for. I continue to call this company to obtain validation and to get some answers but no one is able to assist me with validating the accuracy of this account nor does anyone from this organization ever call me or my attorney back. The original debt, which again was satisfied with the original creditor, is from 2010 and based on Fair Debt Collection Practices Act this has exceeded the Statute of Limitations. The creditor is also to discontinue all attempts to collect the debt until such time as they provide verification which they have not done. This company is violation due to non compliance and violation of statue of limitations.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS IN MYA COSUMER REPORT. 

XXXX 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

TRANSUNION : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.