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

On XX/XX/XXXX, I sent {$4000.00} ( Transaction ID XXXX ) through PayPal to a friend, XXXX XXXX. The instant transfer is a loan from PayPal until they can access my bank account. My transaction was completed but XXXX XXXX ' transaction ( from PayPal to his account at XXXX XXXX ) was not. He did not receive the {$4000.00}. PayPal would only tell me that my transaction went through and I was liable for repaying the {$4000.00} which was taken from my XXXX checking account on XX/XX/XXXX. I'd like to know what happened during the original transaction and be repaid my {$4000.00}. On XX/XX/XXXX, I send XXXX XXXX {$4000.00} by transferring the funds directly to PayPal then to him. So he has the {$4000.00}. I'm out {$4000.00} from the original transaction. Please help me before the 6 month deadline runs out on my efforts.,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX  is reporting time barred debt 4 yrs ,8 yrs, to 13 years past the statute of limitations for credit reporting, state tax liens, judgements, public records on my credit report, voluntary repossessions over 8 yrs old, and reporting credit card payments late, even after I provided a letter of evidence to them from the credit card company that my payments were on time, and account is in good standing instead of having 6 months late payments on my history, they are re inserting debt on my credit without any legal notice, the accounts for XXXXXXXX XXXX XXXX were disputed in the past and then removed XXXX XXXX bureaus and XXXX XXXX XXXX XXXX sold the 2 debts to XXXX XXXX, XXXX XXXX re-inserted the debt without any 5 day legal notice, or warning, and I have no legal binding contract or debt with them it is not mine, tby law they have to remove it for good, the creditors, and credit bureau were being deceptive, and they refuse to remove them, I have had numerous problems with this company, I have even requested 3 years worth of phone records, they are willfully, and negligently violating the fair credit reporting act by remaining to keep these items on my credit report even after evidence has been forwarded by complaint to them from the consumer financial protection bureau,. The credit bureau claims over video recording that they will remove the judgements, and state tax liens, and correct any I formation on my credit report that doesn't belong on there, Still nothing is done, they are walking all over my credit, and laughing about it, I guess they think that I am a consumer who will not do anything, but file complaint after complaint. This time I am requesting the consumer financial bureau instruct the credit bureaus that I will be hiring an consumer protection lawyer to file a law suit against transunion, XXXX, and XXXX for their deceptive willful negligent practices.
Product: Checking or savings account

On XX/XX/year>, XXXX deposits were made into my personal checking account # XXXX at bank of Ameria from my families trust account # XXXX at the XXXX XXXX XXXX  in XXXX Iowa, where my family has banked going on 40 years. 

All funds from all three checks have been placed on hold, due to Bank of America declaration " information that the checks maybe returned ''. 

In all the time my family has banked with XXXX XXXX XXXX  not one check has ever been returned. Our family keeps deposits in the six digit range here. 

I am attaching the proof that all three checks were paid as of today, XX/XX/year>. 

This is defamatory towards XXXX XXXX XXXX, that BofA spread malicious misinformation that these checks " maybe '' returned. 

This is causing a problem for a the filing of my taxes, as I had these checks for two months and need to get them cleared so the cpa can reconcile the trust account.
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. 

XXXX XXXX XXXX DEPT OF ED/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 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: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from BMW Financial Services. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my XXXX  credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize XXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX  XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE
Product: Mortgage

From my very first contact I told the associate with Amerisave Mortgage Company XXXX XXXX that I had no Money for down payment or closing costs. The seller was giving me a {$9000.00} credit for those expenses because I am the current XXXX tenant @ the house l am looking to buy. XXXX told me he would be able to get the loan closed with just my XXXX income. I later gained employment through a XXXXXXXX XXXX XXXX company. XXXX then told me that he would not be able to use my XXXX income and that the deal would look better if we included my income from my job. This was in XXXX. A few weeks went by the loan was approved the disclosures were sent to me stating an outrageous closing cost of around {$14000.00}. They approved I got ahold of XXXX asking why the costs were so high. I told him I would be unable to come up with so much for closing costs. I reminded XXXX of what I told him with our first interaction. He said they couldn't use the seller credits. He said he could use the credits if I were at my job long enough. I asked how long that would be. He said 6 months. He then suggested that I pay the seller {$1500.00} a month for 3 months in earnest money. The additional 3 months would have me employed long enough to satisfy the need of 6 months @ job, and the earnest money paid would allow the seller credits to be applied. I asked XXXX what would be needed to close as far as Money, and stipulations. XXXX said he would need 1, my most recent pay check stub. XXXX then got ahold of the seller to explain the situation and attempt to get him to agree as he did. The earnest money was paid. So XXXX came around, It took about 2 weeks for XXXX to finally get in contact with me. I uploaded my paystub as requested. As time went on stipulations were given that were not given when I started the process, such as discharge paperwork for a XXXX  XXXX XXXX I had been involved in more than 7 years ago which is shown as discharged on my credit report, & reason for not working prior to my current employer, which I explained on their company site it was due to being diagnosed with XXXX XXXX XXXX  XXXX and that I had begun XXXX XXXX. It seems as soon as I disclosed my medical conditions there were problems with me not getting enough hours at work. This whole process took almost a year. & I have not gotten any denial paperwork.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and have identified this inquiry as inaccurate and unauthorized. I have never initiated any transaction or applied for credit with those mentioned creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX about some items that was incorrect on my credit report. Equifax sent me a letter back stating that they didn't have a credit file for me. I do have a credit file I have an auto loan and credit cards. This hurting my credit score. I am attaching the information that was sent to equifax on XX/XX/XXXX, along with my driver license.
Product: Credit card or prepaid card

US Bank sent me a card with a {$40000.00} limit that I did not apply for. When I called they would not tell me who opened the account, when or anything, The only thing they would do was close the account.
Product: Mortgage

XXXX working on behalf of Seterus has is withholding the check in which they received from my insurance company to repair my roof and den area. The work has been completed by all contractors and all documents that XXXX has required have been uploaded and validated as received, but they refuse to release the actual check. Consequently, contractors are now in the process of suing me civilly for their funds. No one at XXXX seems to know what is going on. Each person states that they have placed the payment request but for some reason the check has not been cut.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates- Every month they report on a closed account. Sent letters to all XXXX credit bureaus and the company is still reporting on this closed account.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report INQUIRIES : 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 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$4000.00}, XXXX XXXX XXXX Balance : {$9800.00}, XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$9900.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, Equifax, XXXX is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give XXXX, Equifax, and XXXX written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX.
Product: Payday loan, title loan, or personal loan

car has a 1yr & payment or interest has n't gone down
Product: Mortgage

I received a mortgage through modification in XXXX. The mortgage originally was in my wife name. She passed in XX/XX/XXXX. I reached an agreement with XXXX XXXX  company and received the documents of ownership. The mortgage name was changed to my name. The mortgage was sold to XXXX XXXX  XXXX and Rushmore Loan Services company by XXXX. In XXXX the company changed to Rushmore Services. The owner name on the mortgage continued to list my name. XX/XX/XXXX the name was changed to my deceased wife name. I called to have it changed back and was told that an employee had erased the information and I needed to provide documents to change it back. I provided documents to through email XX/XX/XXXX. After no response or change I called in XXXX XX/XX/XXXX and was told to provide documents again. I provided documents XX/XX/XXXX. The name change listed estate of my deceased wife and me as C/O. I called and resubmitted the documents XX/XX/XXXX. I received a call this time telling me they did not feel the documents were adequate and to change the name I would have to pay off the mortgage. This is the point where I explained it was obvious I needed assistance with this problem that was created by someone in their company. I was told again paying off the mortgage would resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have middle name/initial or lived on XXXX XXXX in no part of the world ...
Product: Credit reporting or other personal consumer reports

As XXXX XXXX, I have encountered multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws in my credit report. Specifically : Incorrect Personal Information : Two addresses are inaccurately associated with me : XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA These addresses must be deleted as they are not mine. 
Unauthorized Hard Inquiries : Numerous hard inquiries were made on my credit report without my written consent, violating 15 U.S. Code 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports. These include inquiries from companies like XXXX XXXX, XXXX, and XXXX XXXX XXXX . 

Unverified and Deceptive Debts : Several accounts have been reported without proper validation as required under 15 U.S. Code 1692g. For example, debts from XXXX, XXXX XXXX Lead, and XXXX XXXX  are listed without verification of the original agreements or proof of my responsibility. 

Inaccurate Reporting of Late Payments : The account from XXXX shows a late payment that I dispute. This information must be corrected to paid as agreed, never late, as it does not reflect the actual payment history. 

Deceptive Practices by Debt Collectors : I have evidence of unfair practices, including sharing my debt information with third parties, which violates laws governing the acquisition of location information. 

Failure to Notify of Opt-Out Rights : The credit reporting agency failed to notify me of my rights under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ), which allows consumers to opt out of sharing personal information.

These issues are compounded by willful noncompliance, as outlined in 15 U.S. Code 1681n, exposing the parties responsible to potential civil liability. 

Ive outlined the steps required to resolve these issues, including validating debts, correcting inaccuracies, and removing unauthorized inquiries and deceptive entries. If these matters are not addressed promptly, I am prepared to pursue legal action to protect my rights under the FCRA and FDCPA. 

This situation has caused significant distress, and I am determined to hold all involved parties accountable for their actions.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a vacation package with XXXX XXXX. The package was for airline and hotel in California. We arranged for our own entertainment. We purchased tickets for XXXX XXXX, rent a car for the 5 days, purchased tickets to the California XXXX XXXX, XXXX XXXX, etc.. total {$2500.00} spent. In addition to the over {$3200.00}, we paid for the package. 
When we arrived to the airport, XXXX told us that they were operating on a reduced schedule due to a personel issue ( mechanic was on strike ). They say the next option was to fly on Monday evening. This was Saturday XXXX XXXX We told them that it was unacceptable and we couldn't afford to miss our trip ( the kids were.looking forward to this trip for long time. They are XXXX, XXXX and XXXX ). We asked if they could put us on another airline. They said they don't work with other airlines. We asked for them to refund us our money so that we can go fine another airline. They say the refund will be processed within 45 days. We went ahead and ourchased ticket on XXXX and travelled the same day ( a little after XXXX XXXX  ). 
When we came back I disputed part of the charges related to the airfaires adn asked for a refund trying to avoid double charges on my bill ( we try to pay off the balance every month to avoid the high interests ). When I submitted the claim for {$2100.00} ( exact amount we paid for the tickets with XXXX, they denied it and refunded XXXX {$1200.00} ). Since then I have been trying to have City Bank handle this complain but they refused. 
Please help.
Product: Debt collection

Received a phone call today XX/XX/XXXX from a XXXX, who transferred me to a XXXX XXXX, front desk for a Law firm called XXXX. Didnt provide much info just alleged that he was calling for a credit card from XXXX. No documentation was provided, and the email given did not belong to me. No signature or contract was provided and stated they were taking me to court to garnish wages. This past the statue of limitations in XXXX  and how can I go firm that the debt even belonged to me when I didn't even bank with XXXX.
Product: Credit reporting

XXXX, Experian, and XXXX has not provided the information I requested To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX, and Experian. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX, XXXX to date.I am requesting your assistance in putting an end to this matter. 
I am requesting the removal of bankruptcies ( below ) on my XXXX credit report due to Civil Case No. XXXX, XXXX , XXXX, v. XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. They have yet to provide the information I been asking. I called XXXX and a lady name XXXX they do not have the right to obtain any information without my permission. 
I also sent a letters informing them that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
They responded account verified without any proof. I trying to fix my credit situation and they are constantly giving me the run around, and are not providing the information I asking for. Can you please help.