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

After I deposit my check theres issues with me sending to other banks and intuitions. 

I am late on payment of mortgage. They hold every paycheck 5 days. Mortgage XXXX XXXX name I am late with for 3 months straight. 

Today, after reporting of some authoritizied after receiving a new digital to use. 
I had to reschedule my doctors and client and reschedule another client. I stood in XXXX gas station trying to assess money. Which never occurred I had to visit local branch for cash. 

Then tonight in line to pay groceries, I stood in line again embarrassed, upset I cant use my money, but criminals they can. I am charged late fees for my rewarding for working. 

I dont know BAC solution will be. But I want my money when I need my money. So if they cant or dont find a solution, until they do whenever I use it needs to authorities. If I am buying groceries, it needs to authorize to do so. Luckily, tonight I took a extra cash at the local branch and I had enough cash left over that my family had a small meal and thank XXXX for that
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX. XXXX XXXX, XXXX, and Equifax is reporting inaccurate personal information on my credit report. There are names and addresses that no longer relate to me. My only name and address is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other names and addresses must be deleted from my credit report and file because it causes confusion to persons viewing my credit report for the purposes of obtaining new credit. I have attached my Driver 's License as proof which shows my correct name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a letter to Transunion and I have not heard anything back still. I sent to them proof of the inaccurate information reporting on my credit and how another bureau has already taken it off because it is inaccurate. The account name is XXXX and its 4 accounts that are reporting inaccurate that need to be deleted. These accounts reporting on my credit report are hurting me from purchasing a home and the fact that they are inaccurate makes it even worse. This is so stressful to deal with on top of everything else thats going on right now in our country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to update/correct my personal information on file all personal info is incorrect Please inform TRANSUNION to remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate. 


I WOULD also like all phone numbers deleted that are not associated with me anymore .The phone numbers being reported are incorrect. 



Please update my address XXXX XXXX XXXX XXXX, XXXX XXXX Please update my phone number to : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information contained in my credit report in a letter dated <Date> ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely response from your bureau. 
Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the XXXX  XXXX  your bureau has caused me. 
Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. 
I thank you for your kind attention to this matter and hope to receive my updated credit report soon.
Product: Debt collection

kindly request your assistance in expediting the removal of these erroneous entries from my credit file. This action is crucial to restoring my financial integrity and ensuring that I am not unjustly penalized for activities that I did not authorize or participate in. 

I understand that rectifying this matter may require cooperation between your company and the credit bureaus. Therefore, I urge you to take swift and decisive action to resolve this issue and provide me with confirmation once the erroneous entries have been successfully removed from my credit report. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX or XXXX if you require any further information or assistance. 

Thank you for your cooperation and understanding. 

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

As by Law, under XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit card or prepaid card

I rented a car, paid for the rental. A week after the car was returned and checked in with no issues, the rental car company charged the card again for a new transaction for {$110.00}. I tried multiple times to resolve this with Citi, but no one even looked at my complaint. The rental car company provided proof that I ordered and paid for the rental car, which was the authorized transaction not in dispute. They provided ZERO evidence that a second transaction was authorized on a different day or that this charge was valid under the previous contract, which was closed at the time of the charge. This additional unauthorized charge was fraud committed by XXXX. I later found out they have a horrible reputation for doing this. Citi made no attempt to communicate any reasoning behind why they kept refusing to honor my fraud claim. Very poor customer service and a joke of a dispute process.
Product: Money transfer, virtual currency, or money service

I was using XXXXXXXX XXXX to sell a watch. I was scammed by a XXXX user who created a fake XXXX business account. I was told to send {$500.00} to initiate the transaction so he could send the amount back. I was tricked. I am international student here in the US and little was I aware about these scams. 
This transaction happened on XX/XX/2022. On the same day I had reported Bank of America fraud department ( my financial institution ), I also filled few forms, written emails to XXXX. Apparently, XXXX has never responded to me. 
Bank of America has taken my complaint. They took 45 days to get back to me to say that they weren't able to resolve the issue as I authorized the transaction. 
I am very nervous about how my financial institution is not able to help me. I barely meet my living expenses, this situation is pushing me to more debt.
Product: Credit card or prepaid card

See attatched USAA Corresponce Documentation of Fraud with the letters F R A U D on them ( XXXX - XXXX ) *TOTALS {$1.00}, XXXX THIS IS BASED ON USAA DOCUMENTATION OF FRAUD. NO USAA PERMANET CREDITS WERE PROVIDED. see attatched REVIEW OF YOUR CLAIM IS COMPLETE LETTER XX/XX/XXXX. No Fraudulent Activity Found After Review of Your Claim. USAA HOLDS CONSUMERS LIABLE FOR FRAUD. NO TIMELY FRAUD CREDITS EVER POSTED.
Product: Payday loan, title loan, personal loan, or advance loan

Loan was XXXX when I done I had paid over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made the payment for XXXX on XX/XX/XXXX and have the funds to show but it was a internet web based error on the server. The mortgage provider sent me a confirmation that the payment posted. They are now saying the mortgage payment is late and this could tarnish my credit in a major way. I wish their system would have told me something was wrong instead of saying the payment was posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on IBERIA BANK DIRECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I recently got a notification on my credit report about a derogatory account being opened. " ANFI '' opened an account attempting to collect a debt that is not mine, nor did I receive any correspondence of anything being owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX   XXXX Inquiry from XX/XX/2018 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Debt collection

This company damaged my credit by lying. Forced me to set up a payment plan for XXXX for a XXXX debt. They've been paid XXXX as of XX/XX/2019 with 2 payments remaining, one for XXXX and one for XXXX. I've received a letter stating that this collection would not be placed on any credit reports and again they lied. This company is deceitful and corrupt and should be investigated to the fullest. I've contacted my state 's attorney general office as well as a personal attorney.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting XXXX XXXX XXXX ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX OF XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I submitted a XXXX vacate notice and requested the option to give a XXXX unit transfer notice if I could move to the opposite side of the community. I had safety and hygiene concerns for my building so I wanted to either relocate entirely or to another building. I submitted that email to complex management and it went unanswered. I then found the contact information to their corporate offices and urged a response there, in fear that there would be a fraudulent financial penalty if they didn't acknowledge my notice. XXXX XXXX purchased the alleged debt that XXXX XXXX tried to claim I owed them and began to harass me for payment in the summer of XXXX. I did not reside nor occupy that unit during the dates they are asking for me to pay. I signed the lease for my current home in XXXX and was fully out of my previous apartment by XX/XX/XXXX. This debt is not accurate, I was not occupying the residence when they claim and more importantly I gave my notices within a timely manner. I DEMAND they remove this collection from all three reporting credit bureaus and cease their demands for payment. Moreover, I REQUEST THAT THE CREDIT BUREAUS CONDUCT A FULL INVESTIGATION INTO THIS ILLEGAL DEROGATORY MARK ON MY CREDIT FILE. This is a sloppy and fraudulent debt they are attempting to collect for pennies on the dollar. MOST IMPORTANTLY, I requested a debt validation package in XXXX of XXXX and have not received it as of XX/XX/XXXX, which is ILLEGAL. Because this debt was not validated, it must be removed per the FCRA.
Product: Mortgage

We made the regular monthly payment in excess of the loan payoff online on XX/XX/2023. The funds were removed from our account on XX/XX/2023. BSI Financial has not applied the funds to our account as of XX/XX/2023, and is refusing to apply said funds. We called and spoke with a representative, that informed us that they will NOT apply our funds to the balance owed, and that we must submit a payoff request, and pay by Certified Check or Wire Transfer. Both of these methods will cause us to be subjected to additional costs, and in the case of a wire transfer, those are over half of the outstanding balance. As they accepted this payment, we do not have the additional funds to send at this time. 

Our account is now accruing late fees, as they have held our funds for over 2 weeks without applying them to the loan.
Product: Credit reporting or other personal consumer reports

In regards of numerous attempts and providing extensive documentation to have these inaccuracies corrected, this late open account continue to appear on my credit report as delayed payment, severely impacting my financial standing and credibility. The persistence of these errors is both frustrating and damaging. Honestly i've been paying on time. It undermines my efforts to maintain a clean credit history and hampers my ability to access credit and secure favorable financial terms. This situation has caused me significant stress and inconvenience. I demand immediate action to rectify this matter. I expect a thorough investigation into why this late open account continue to persist on my credit report as late despite numerous requests for their correction. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution.The account should be corrected as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Struggling to pay this because the APR is so high and I can not catch up on other stuff because I did not know about the APR until the last moment because nobody told me after I had to call a phone call back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX paid off my XXXX XXXX XXXX. 
XXXX XXXX XXXX still shows open account in Equifax XXXX Disputed with Equifax. Equifax rejected my dispute said it was accurate. 
XXXX disputed with Equifax XXXX Sent Equifax copy of XXXX XXXX records showing account paid off, sent copy of letter from XXXX XXXX saying all is clear, sent copy of County Recorder record showing documents recorded. 
XXXX Equifax closed dispute. No change on my credit report. Unable to open XXXX  with explanation of dispute resolution. The Equifax XXXX  won't open because apparently it is corrupted with virus. I have made several calls to Equifax during this time but phone people are very nice but very limited. 
XXXX XXXX XXXX months after payoff ; account still shows open, can't read the dispute resolution because it won't open I ask if they could put up a new explanation free of virus and they said they can't, can't accomplish anything on the phone, can't make another dispute because their process has me blocked from making another dispute. This is not hurting my credit because i have an XXXX but it certainly exposes the frailties of their system. I know in a large operation you can't be perfect, but the true up process needs to work. All I want it to make my account accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of XXXX XXXX XXXX XXXX XXXXe. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this matter solved for months and almost two years since I got the car. The car loan is not showing up on my credit reports and on the website of the car loan company states they report the information every 30 days. 

I have sent multiple letters to the company CSF SERVICING and even contacted credit bureaus and dispute to have my account included in the reports. No answer has been provided to me and every time a dispute closes no changes are made in my reports and the account never shows. 

I have tried to resolve this matter with Contact Information Address : XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX EMail : XXXX Text : XXXX Fax : XXXX Business Hours Monday thru Friday XXXX to XXXX CST Saturday XXXX to XXXX CST and no answer. I will no longer pay for a car that is not helping me build my credit and maybe will never get a clear title off this company due to this mess. 

Please I will await your answer within 30 days Thank you for your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. 
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 a right to privacy 15 u.s.c 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.