23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX need to delete the items that were paid to delete off of my credit report. I sent both Experian and XXXX a certified mail piece with return receipts to make sure that they got my paid to delete letters and neither companies complied within the 30 day turn around time frame. It has been over 90 days since I sent Experian and XXXX the certified mail pieces so that they can take the accounts that were paid to delete off of my credit reports and they have not did so. Both XXXX and Experian need to delete the following accounts off of my credit reports ASAP. Fair collections and outsourcing, XXXX XXXX, XXXX savings account in the amount of $ XXXX in regards to an auto loan and XXXX account in the amount of $ XXXX from a credit card.
Product: Debt collection

I am writing to formally submit a complaint against KicKOff for the following reasons 1.inaccurate reporting KikOff has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 2. Misuse of Federal Reserve Loans, I am concerned that Kikoff may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 3. Abuse of Insurance Policy, KikOff charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 4. KikOfd is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report
Product: Credit reporting or other personal consumer reports

Im filing this complaint because TransUnion refuses to delete fraudulent accounts from my credit report despite my repeated disputes. Im beyond frustrated with this endless back-and-forth. The accounts in questionXX/XX/XXXX ( Account Number : XXXX ), XX/XX/XXXX ( Account Number : XXXX ), and XX/XX/XXXXXXXX ( Account Number : XXXX ) DO NOT belong to me. ** I have told TransUnion repeatedly, yet they continue to report these accounts as if I am responsible for them. What makes this even more outrageous? XXXX doesnt even have these accounts on my report. So why is TransUnion the only bureau still keeping these fraudulent accounts on my file? Their failure to remove them is not just negligenceits a clear violation of the Fair Credit Reporting Act ( FCRA ). They are violating 15 USC 1681b by reporting information without my permission and failing their duty under 15 USC 1681e ( b ) to ensure my credit report is accurate. At this point, this isnt just an oversightits willful misconduct under 15 USC 1681n and gross negligence under 15 USC 1681o. Because of TransUnions reckless inaction, Ive suffered real financial harmIve been denied loans, forced to pay higher interest rates, and rejected for credit opportunities simply because TransUnion refuses to do its job. Im done waiting. I demand immediate actiondelete these accounts, correct my credit report, and provide written proof of their deletion. I will not accept another empty weve investigated response, incomplete investigation, or pointless delay. TransUnions refusal to act is directly causing me financial damage, and Im asking the CFPB to intervene immediately to stop this. TransUnion must be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to capital one on XX/XX/2019 concerning this late payment item on my credit report.i have no recalling of being late, so i would like for them to verify the item bearing my signature.also by not replying within 30 days is a violation of the FCRA laws.
Product: Debt collection

Over thirty days ago I wrote Credit Corp Solutions asking to validate the alleged debt and as of todays date, Credit corp has not responded to my dispute.
Product: Credit reporting or other personal consumer reports

I have not initiated any business or financial transaction with that would warrant such an inquiry. I have carefully reviewed my credit report and am certain that this inquiry is incorrect and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in bankruptcy protection ( XX/XX/XXXX-XX/XX/XXXX) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXX regarding these unlawful charges ( XXXX onXX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ).  On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX  to correct late payment notices they posted earlier in XX/XX/XXXX prior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX ... and we have the actual checks with the dates each month when they were received and the date they cleared XX/XX/XXXX that very same month, with no additional monies were sent to XXXX  ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX XXXX check ( received in XX/XX/XXXX, cleared by XXXX  XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing case on unauthorized credit inquiries, i notified all parties and i sent a complaint to you guys before about the same thing, I didnt authorize the now 4 inquiries, what did you guys do? Its been over 30 days, some over 60 Days some OVER 90 DAYS and I still haven't got my issues resolved and soon I'm going to court with this because im not getting any assistance with you and Transunion and this is effecting my opportunities to move forward in life. These inquiries should removed from my report as soon as possible and my any points i lost should be repaired especially due to the negligence. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I made a transfer from XXXX Bank to Bank of America, the payment amount was {$1200.00}. in XXXX and XXXX there were requests from Bofa clarifying the meaning of the transfer ( payment for the delivery of goods ). There were no further requests. In XXXX, a clarifying message was sent via XXXX about the status of the payment, but there was no answer. Later they sent a request for a refund, again they did not react in any way and there was no answer. The funds have not yet been delivered to the recipient or have not been returned to me. 
For all attempts to personally apply to BOFA, I received an answer that they were not entitled to communicate with me and that only through requests from the sender 's bank. At the moment, it turns out that BOFA has been illegally withholding my funds for 3 months, which can already be regarded as theft XXXX XXXX was the correspondent XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had student loans with XXXX. Then a company called me saying that I could pay XXXX dollars a month for a certain amount of time and my loans would be forgiven. I was lied to, after I paid the required amount my loans were then transferred to Navient. Who has mad e no effort to actually help me. I am a struggling single mother of XXXX children, I barely make enough money to pay my regular bills. I have tried giving them my XXXX information, tried giving them my XXXX information to prove to them that I do n't make enough money to pay {$400.00} a month on my student loans. They refuse to help me navigate, refuse to help me period. Their website wo n't allow for uploading documentation of proof of income or anything. And no matter how many times I call them to try and figure something out with them, the refuse to help me lower my payments, or allow me to place them in deferment status or even look into economic hardship status. They bombard me with calls about paying my loans, but no matter who I talk to, I get no help at all. They just want money I do n't have. My information was given to them by a company that was suppose to help me forgive my student loans.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuits highlighting significant issues with the platform despite using Zelle number times and reporting discrepancies
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX  which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report.

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 
Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Debt collection

XX/XX/year>, XXXX, XXXX writ of execution from my earnings for the amount and judgment of {$5500.00}
Product: Debt collection

I received an auto call from XXXX, XXXX XXXX NJ on my home phone ( XXXX ) XXXX. The auto operator asked for me by name and said this is not a marketing call - the caller never identified who they were. When I did not press the prompt to identify myself, the auto operator left instructions to call phone # XXXX with a reference number beginning with XXXX .... When I dialed the XXXX number it was THE SIMONS AGENCY - a debt collection company. 

The contact tactics used are in clear violation of the FDCPA as the debt collector failed to disclose identity.
Product: Credit reporting or other personal consumer reports

My vehicle is XXXX $ paid off, I was on time with my payments for a years. I was XXXX  trying my best to keep up with my payments, however not only did XXXX report late payments they came and repossessed my vehicle, which I paid to get back and they still keep reporting late payments. I asked on several occasions for them NOT to report.
Product: Debt collection

XXXX XXXX  XX/XX/2023 Requested proof of debt validation from company and did not receive any response.
Product: Mortgage

I am expressing my concerns regarding our efforts to work with our servicer in mitigating a loss. We have demonstrated our hardship and have formally requested assistance. 
The servicer has approved us to participate in a short sale as the offers received for the property do not align with the amount we now owe. During XXXX, we required support and received several partial claims. 
Despite our documented hardships, the servicer is citing excessive repair to block the short sale, yet the property was in this state when the funds were provided. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my experian credit report today XX/XX/2022 and discovered that they are reporting the names of another person on my credit reports. Name ID # XXXX XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX, and Name ID # XXXX XXXX XXXX needs to be removed immediately. 

Experian is required by federal law to report accurate information on my consumer report, and it is their duty to remove any inaccuracies being reported on my consumer report. I have never been known by any of the names that are listed in this complaint, and I do not appreciate them reporting false names on my credit report. 

I am demanding that they rectify their reporting immediately or I will be seeking legal action. The names they are attaching to my social security number and being reported as factual is a grave violation of my consumer rights. 

Failure of giving me my desired resolution will result in me seeking {$1000.00} per violation for XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud and XXXX ) Violation of 15 USC.
Product: Checking or savings account

I transferred {$5000.00} from my XXXX XXXX  account ( owned by my husband and me ) on XXXX XXXX. But Sofi restricted my account for now and kept holding the money, did not provide it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX XXXX XXXX XXXX requested my credit report and it was considered invalid reporting the last 4 of my social and birthday being invalid for XXXX. 
XXXX was contacted, no valid solution was given.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

My wife and I are XXXX Citizens in good standing. We recently moved to XXXX XXXX and applied for residency. We found a lot that fits our needs and we wish to build a house in the near future. On XX/XX/XXXX, I initiated an international wire for {$15000.00} to send to our respected attorney in XXXX XXXX. The wire was not released until XX/XX/XXXX because the USAA compliance office had questions about the recipient as she has a very common name in latin culture and apparently there is someone with her same name and date of birth who has a XXXX  and XXXX passport that must be on some kind of list. All of the communications with their office of XXXX  were done by email which allowed me to verify the authenticity of the requests. They did finally release the wire 10 days after I submitted the initial wire. We were able to pay the earnest money for the lot and we have a signed contract to buy the property. On XX/XX/XXXX, I initiated the final payment to the same recipient. The amount of this wire is {$170000.00}. I specifically asked before sending the wire if we would go through the same issues with the second wire as we did with the first because there are some very important time deadlines involved with this transaction. I was told the intial wire was released, the questions or issues were resolved and this second wire should go much smoother than the first one. The money was deducted from my account on XX/XX/XXXX, the same day I initiated the wire. During the first week of XXXX, we received confirmation of an incoming wire to our attorney. On XX/XX/XXXX, our attorney told us that money never made it to her bank and requested that I call USAA in order to see what happened. I called USAA on XX/XX/XXXX only to find out that the wire had been cancelled. When I asked why, all I was told was that they tried to call me twice and left voice messages and since I didn't respond to these, they cancelled the wire. I know this to be a blatant lie because I monitor my messages very carefully and they never left any voice messages. In addition, if the wire had been cancelled, the money would have been returned to me. I am making as much noise on my end as I can to try to get a resolution but the bank is now stonewalling me.Because of the delays, we are now in jeopardy of losing our earnest money and they have locked up my money leaving me no way to make this transaction. They will not tell me why they have not put the money back into my account. I have an account at USAA because my father who passed away XXXX  years ago was a career veteran in the XXXX XXXX XXXX. Please help.
Product: Credit card

On XX/XX/XXXX  I purchased several XXXX watches from XXXX using my Citi Double Cash Card, but 1 item is missing from the delivery. 

The itemized product i purchased ( order detail page pdf attached ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} Item missing from the delivery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 1 {$350.00} I contacted XXXX on XX/XX/XXXX  and they asked me to dispute it with my credit card company. 

So I disputed the amount for the missing item which is {$350.00} out of the total transaction of {$2800.00}, on XX/XX/, with my Citi Double Cash Card ending XXXX, Dispute Case ID, XXXX; But I got rejected, see attahced " dispute_info.png '' screenshot and " dispute_letter.pdf '' document. 

The on XX/XX/XXXX  i contacted Citi through online chat and was asked to provided the itemized purchased item and missing item lists and sent them to their email ( see " XXXX, XXXX, XXXX '' for the online chat history, and " XXXX '' for the email screenshot i sent to Citi with the itemized order information they required ). 

However, on XX/XX/, got rejected again because of " Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. '' ( see " XXXX '' ) I have done what they asked me to do to provide the detailed order info, but they keep rejecting the dispute with new reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

LVNV Funding I get XXXX calls daily - I answer every time I say hello several times and they hang up I called back - I told them if this is the {$97.00} XXXX balance it was paid years ago and has been disputed since 2019 - I have spent years trying to resolve this and no one ever does the research to mark this paid and remove it from my file and STOP calling me 3 times a day They call on Sunday- they never speak to me I always have to call back - they are harassing and bothering me by calling but refusing to speak to me These collection tactics violate the 7:7 rule and it needs to stop - I have hired and attorney to file a counter claim against them for damages
Product: Debt collection

Ace Cash Express called me and said I defrauded them and they would be filling a criminal complaint and would talk to judge, the man 's name was XXXX XXXX  his phone number was XXXX in XXXX Tx
Product: Credit reporting or other personal consumer reports

My information was missing used I didnt authorize Navy Federal to pull my credit report for any loans or credit cards.