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

A {$2000.00} XXXX transfer to the XXXX XXXX was initiated on XX/XX/year> via Western Union Mobile app. During the process I was asked to provide a photo of my driver 's license, which I did. I was told that the money transfer will be completed on XX/XX/year>. 

Today, I was told again by a representative that the transfer was under review, but not reason was provided as to why. The lack of transparency of this process is troublesome. 

Today I am being told that the transfer will be completed on XX/XX/year>. 

At times, it feels that they want me to send the money via one of their agents, using my debit card where the fee is double the amount that of using my checking account.
Product: Credit card or prepaid card

Best Buy Credit card closed my account on XXXX XXXX XXXX. I have never been late, and just recently used this card last month. They didn't give me any warning about closing my account. I try to used my card today and the it kept declining. I called best buy and they said they closed my account a few days ago. Best buy said my account is XXXX balance. I ask why did they closed my account if I was never late, have a XXXX balance and just recently have activity on the card. Best Buy operator said, " he dont know ''.
Product: Credit card

I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Product: Vehicle loan or lease

i became XXXX and my wife was only one working and the van was her tool as she is a driver. we notified the car company that the transmission was slipping and we may fall behind if she cant work. They offered us to bring it to their location and they would see about helping the repair. The trans went dead on the way to their location. It was in a busy location so my daughter picked us up. The car later that day was moved to impound by the city. with out telling us the car company collected it from the city and acted as if nothing happened and continued to demand payment with out giving us the option to come collect it and resume payment after repairs. To this date over a year later we have not got notice that they have the vehicle or have sold the vehicle and applied any of the sale return to our balance. After all this they changed the name of the company did something with the van probably changed the owner to the new company name and resold it while we suffered with my wife unable to work with out the vehicle and me already not working in a bad position and are on the verge of losing our house and I have many missed dr appointments because we were stuck that later delayed my XXXX  case for not going to dr visits,,, the name of the company is Car-Mart XXXX XXXX then changed to car mart XXXX XXXX and then XXXX XXXX XXXX the have the wrong date of last payment on the credit report along with date its shows on there as a repo XXXX  times in different names and still shows the balance as the day they took it as if the never resold it and recovered anything. This also affects my wires name i wont be around much longer probably but i would like to see this removed so she can get a fresh start and put me at ease and less stress before i kick it. Thanks in advance XXXX
Product: Debt collection

I received a letter from  ARS National Services ,   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , ( P )  XXXX , ( F )  XXXX  regarding a debt that they state I owe. I sent a letter requesting information verifying the debt, including proof of the debt, the date of the last payment and when the debt became delinquent, copy of the last billing statement and if they are licensed to conduct business in the  State of Illinois and provide the name, date, license number of the state agency issuing the license. I received   what appears to b e a Excel spread shee t with what appears to be information that is not in a billing invoice format containing any information requested to verify the debt.
Product: Credit reporting or other personal consumer reports

I am reporting a fraudulent inquires found in my credit report XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company sent me a letter attached on XX/XX/2019 informing me of this debt. I contacted them immediately to dispute the item letting them know it was not mine. I asked them for verification of the debt and was expecting such. 2 weeks later I noticed that they have put this on my credit reports even after i disputed the validity of the account. It is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

XXXX I received a letter where you are trying to collect a debt, I do not nothing about that owe I thing that own do not belong to me. I'm not the person you looking for. please you can contact me by call or email. phone number is XXXX email XXXX, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I requested my transcripts from XXXX  XXXX University and realized I had a financial hold on my record. I paid off the amount that was told to me and they released my transcripts. In XX/XX/XXXX, I requested my transcripts again and an additional hold was placed on the same day that I advised if there was anything left to pay and was told my account was cleared. No one can advise what this hold is for and why was it added after the fact, I attended this university for 1 year in XXXX.
Product: Credit card

XX/XX/2016, Discover cancelled my credit card due to 2 late payments more than a year apart. The payments were not 30 days late and the second payment was one day late.
Product: Checking or savings account

XX/XX/year> closed my account due to overdraft fee and the bank charged off my account as well for {$230.00}.
Product: Debt collection

I am filing a complaint agains t LVNV Funding, LLC, for unfa ir/unlawful debt collection practices. This company purchases charged off accounts from creditors then misrepresents themselves in court as  the Judgment Creditor. Apparent ly, they filed a judgment against me in absentia and are now trying to garnish my wages. I work for an employment agency as a long-term temporary employee and barely make enough to live on, so I ca n't afford a garnishment. Although, that is a moot point as this is n't a valid debt to begin with. According to the paperwork I only just received on Friday,  XXXX   XXXX , there was a Judgment filed on  XXXX   XXXX ,  2008 . I was never privy to any information about said court date ; I never had a Summons served, I received neither phone calls nor letters from them - not an absolute thing. I have not been told who the original creditor is, so I have no proof that this debt ever belonged to me, and, finally, all of my old charged off accounts have fallen off my credit report this year.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

We paid off a credit card with Wells Fargo in XX/XX/XXXX! The last XXXX was paid of by XXXX credit card transfer. We did not close the Wells Fargo card but since it was paid off we have never received a single statement or billing in the last five years. There was no attempt by Wells Fargo to try and collect this account and we never made any payments on this and never received a billing or an attempt to collect this account and we would have never known about it except we put an application to another credit offer and was refused because of a charge off! .......What charge off ? So we went to XXXX  where this credit company had gotten their information! There at the top of my report was this charge off by Wells Fargo!......We had no communication with Wells Fargo since that account was paid! In fact I got a Mortgage from Wells Fargo and it never came up. I bought a new car in XX/XX/XXXX from XXXX XXXX XXXX and there was no mention on my credit report of any account from Wells Fargo......I have had and still have my main checking account at Wells Fargo for the last thirty years. I get statements from them all the time.I also have a line of credit on my checking that I also have not used since XX/XX/XXXX.
  There is no reason why Wells Fargo would not at least bill me if I owed them for this account and since I am very well established financially why would they not make an attempt to collect this account instead of charging it off?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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, IL XXXX XXXX XXXX CT XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : {$10000.00} XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXX  : {$640.00} XXXX XXXX XXXX  : {$1500.00} XXXX XXXX XXXX XXXX  : {$2100.00} XXXX XXXX XXXX XXXX  : {$3200.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$1600.00} XXXX XXXX XXXX  : {$49.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$1700.00}
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX 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

After notifying RESURGENT capital services several times that I, Am being represented by an Attorney, They are still sending me letters about a debt that, I do not owe and is not communicating with my attorney a directed. This is a violation of Federal Law. They are falsely claiming that, I owe {$1000.00} ( Dollars ) concerning the above debt.
Product: Credit card

1 ) On or around XX/XX/year> I mailed a written request for account closure ( to Lead Bank, c/o Self Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX relative to my Self XXXX  Card account XXXX XXXX. ( copy of the letter is attached ). This card charges an annual fee and I want the account to be closed prior to the application of the fee for another year of service. 

2 ) As of XX/XX/XXXX, over 5 months later, I have received no response, and according to my online banking, the card account is still open. 

3 ) When searching for information in my online account regarding how to close the card account, the only information provided is a phone number. Requiring a phone call to close an account violates the Americans XXXX XXXXXXXX XXXX. I can not hear well enough to have a coherent phone call. They received my letter and have been made aware that I want the account closed, but have apparently chosen not to act upon my request without a phone call. 

4 ) Furthermore, the card requested closed is a secured card. Failure to return funds in a timely manner is an unlawful retainer of my funds held as security. 

XXXX XXXX
Product: Checking or savings account

I had an account with Wells Fargo. My card was being used online I filed complaints and kept explaining to them that it was the card being used. Instead of canceling and stopping all charges from card they left it open so all I could do was file complaints till they decided they didnt want me to keep their account open they closed it down and said they wanted no business with me when I explained before that my card account info was being used by someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and talked to the customer service of Ally Financial ( auto financing ) more than 30 days ago about a fraudulent inquiry on my XXXX credit report they took all the information but never responded could you please assist in helping me remove this fraudulent unauthorized inquiry? the inquiry date was XX/XX/2020.
Product: Student loan

My student loans have been deferred for 18  years, always in good standing. I had to drop out of school 10  years ago to care for my son full time due to a life threatening XXXX disorder. I havent had taxable income for 10  years. Ive always deferred my loans who were with Nelnet. Sloan bought half of my loans and didnt inform me of monies becoming due. I had an email from XXXX stating I dont have monies due until XXXX. XX/XX/XXXX Nelnet listed XXXX or more lates on the same day and again in XXXX even though I made the late payments that I could afford. My income based repayment was never processed. I was never contacted by Sloan. My XXXX XXXX went down over XXXX points for their XXXX reportings. I made an almost XXXX payment just to buy time they still re - reported. I contacted Sloan and they stated due to their oversights they would adjust the lates to my credit report and they havent. I use credit to keep my son alive. Both Nelnet and Sloan agreed this shouldnt have happened as Ive always been in good standing for 18 years. I need my score to be adjusted so I can continue care for my child. I talked to Sloan again months ago and the latest were never removed. How is it fair to do this to someone. I am requesting help. Thank you so much for your time and XXXX  bless.
Product: Debt collection

Subject : Formal Complaint Regarding Inaccurate Medical Debt Collection I am writing to address your recent efforts to collect on an alleged medical debt associated with my name. The account, listed as a new debt from XX/XX/XXXX with an amount of {$1100.00}, which is entirely inaccurate and invalid. 

Upon contacting XXXX on XX/XX/XXXX, I was informed by agent XXXX that the debt was no longer under their jurisdiction and had been forwarded to another company. Despite this, the debt continued to be reported to credit agencies with inaccurate information. During our conversation, XXXX became hostile and asserted that nothing would be removed, ultimately disconnecting the call. 

Upon my subsequent call, I encountered XXXX once more, and she exhibited immediate hostility. Due to the fraudulent practices, inaccurate data impacting my credit history, and threats of inaction, I have filed a formal complaint. I was later transferred to a supervisor, XXXX XXXX, who stated the debt would be removed in XXXX days, with no further confirmation provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX  Account // XXXX  hard inquiry XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,. A

LL HARD INQUIRES has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a the 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.
Product: Credit reporting or other personal consumer reports

Transunion is reporting XXXX derogatory accounts erroneously as included within XXXX  XXXX bk. All accounts were paid in full and not late. 

The second mortgage and XXXX accounts were not included within bankruptcy and were never late. The accounts were paid in full and closed outside of the XXXX  XXXX and should not be listed as a derogatory account.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  XXXX XXXX XXXX AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.