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

XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through th e Dept of Ed an d that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one  XXXX   XXXX ,   XXXX   XXXX    XXXX   XXXX ,   XXXX     XXXX     XXXX ,2016,
Product: Checking or savings account

I have been waiting on my direct deposit and it has not cleared, leaving me with little to no funds.
Product: Debt collection

This company Wilber and Associates took money from me by making a false promise that I would not have my license suspended by the state if I paid them a certain amount by a certain date. I gave them exactly what they asked for and they did the exact opposite of what they told me that they would. They put me in an indigent situation and now they are they did not do what they promise.
Product: Debt collection

this account is fraudulent i have sent in copies of my id and the police report with it listed i dont know who stole my information and opened this account but this needs to be removed from your files immediately
Product: Credit reporting or other personal consumer reports

After checking my consumer credit report from XXXX, I found a collections account from Professional Bureau of Collections with an account XXXX XXXX XXXXXXXX opened on XX/XX/22 with a balance of {$300.00}. I've never done business with Professional Bureau of Collections therefore, could not be liable for this debt. This alleged debt is not mine as I never entered into a signed agreement or completed an original contract with Professional Bureau of Collections. I never provided any written consent or permissible purpose for this alleged creditor Professional Bureau of Collections to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also constitutes as identity theft - " 15 U.S. Code 1681c2 - Block of information resulting from identity theft. '' Furthermore, this company has been attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 U.S. Code 1692e that you are implementing yourself. 15 U.S. Code 1692e states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fcra whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts ( 1 ) XXXX : account # XXXX ( 2 ) XXXX XXXX XXXX XXXX : account # XXXX ( XXXX ) XXXXXXXX XXXX XXXX  : account # XXXX ( XXXX ) XXXX : account # XXXX ( XXXX ) XXXX : account # XXXXXXXX XXXX XXXX XXXX account # XXXX are not complete and accurate. And one more thing according to15usc 1681s-2 a person shall not furnished any information relatting to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 usc1681 602 the accounts violatingvmy right to privacy and confidentiality.and according to15usc16811eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates.15usc1681 ( a ) ( 5 ) section states no consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which date the report more than 7years.ive been battling XXXX XXXX  XXXX for the last3 years and all of the accounts are inaccurate and obsolete.plesse investigate and help me delete all the negative inaccurate accounts listed above.respectfully
Product: Checking or savings account

On XX/XX/2020 my mother and I were scammed for most of our money. The scam artists convinced we were both kidnapped. After transferring money to them through XXXX XXXX and XXXX XXXX, my family was worried about me and called the police. They tracked me and the police found me talking to the scammer. They said that my mom was fine and relieved I finally hung up. I called XXXX XXXX and XXXX about this incident. As the fraud department at a chase was closed, I called them on Monday to report a claim. Chase said they will call me for more information and never did. I called on Wednesday to check the status and they said they denied it was fraud because I physically sent the money. I could not believe it. After going through that psychological traumatic experience, Chase did not even further investigate this claim. I wish something could be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from NetCredit saying my application was submitted to XXXX XXXX XXXX XXXX XXXX and it was declined. I did not apply for any loan and I also have a fraud alert on my credit report. No one tried to contact me via any forms of communication I have listed on my credit report to let me know someone was trying to use my credit. Instead they ran my credit and submitted me for a loan. I have tried to email and call XXXX, but there is no customer service phone number. The number I did find was no help at all. It was just an automated system. I reached Out to NetCredit and told them this was a fraudulent application. They told me that they can only have the application in " identity theft '' status for 7 days. I'm on the phone telling the representative that I did not authorize this and she says that is there policy. I need for XXXX to take my personal information out of their system!! And now I have an unwanted inquiry on my credit report!! XXXX did not do their due diligience on verifying my identity. All they are concerned about is making a loan/profit!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to EQUIFAX and received a computer response by mail. I called and all they did was submit another dispute and resolvedit thesame day which tells me they don't care.They dont understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these FRADULENT inquiries be removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Product: Prepaid card

Around XX/XX/XXXX i noticed a unauthorized transaction to a mushsupply company. It was made online from a prepaid card i purchased. I put {$500.00} on the card and did make several transactions. I called immediately to report the transaction. I reported it to the number on back on card. I also filed a police report, i contacted inComm, who services these cards, i contacted XXXXXXXX XXXX XXXX affiliated with card who is FDIC insured. I also contacted the OCC. InComm claims they were unable to get my funds back, so instead they sent me money from merchants that i actually purchased and received goods from. Total fraud as those were authorized transactions. I am currently owed XXXX. 
I have received XXXX which the balance on my card. I also received XXXX taken wrongfully from XXXX  and XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The interest portion of the fixed payment which is being applied should be going down as I make payment. As of XX/XX/year> I have made 25 payments of {$110.00} all paid prior to due date and 18 additional principal payments totaling {$10000.00}. 
I am 2 yrs into the term of loan and I am paying more interest today then I did on day 1 of the loan. I have contacted Sunnova multiply times in regards to the calculation formula that is being used and have received an explanation.I have asked to speak to a loan specialist but I am told NO that is not their procedure. I have printed out a LOAN Calculation-Amortization Schedule based on loan amount & payment amount. Based on those figures and the total amount paid my loan balance should be much lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not notify me any payment was due
Product: Payday loan, title loan, personal loan, or advance loan

I'm writing this complaint because I need help to work out a solution for Balance Credit to work with me on a cheaper payment plan. When I took this loan out, I had a full-time job and was able to afford the payment. But on XXXX XXXX I had to quit my job because of my health and not able to work anymore. However, I've been drawing my retirement pension since XX/XX/. Right now I'm only making {$890.00} a month and that is one monthly payment. I'm not very good at negotiating so I need to do this through this channel. I need them to lower my payment to {$150.00} a month. So far I have been making this payment and will continue to make this payment. The loan payment is currently set to XXXX, and right now I can't afford to pay that along with what monthly bills I have to pay plus the medicine that I need for my health issues.
Product: Credit reporting or other personal consumer reports

Well Fargo as stated here and on the XXXX  stated the removal of this hard inquiry due to id theft someone had tried ( unsuccessfully thanks to a credit freeze ) to have opened an account on Wells Fargo. This was spring of XXXX, however as of XX/XX/XXXX the hard inquiry is still present on my credit file. See attached. 
Please advise
Product: Money transfer, virtual currency, or money service

I was scammed into wiring money on two different occasions in XX/XX/2022 to a bank account under the name XXXX XXXX XXXX acct # XXXXBank of America XXXX routing # XXXX. First transfer {$2000.00} and second {$6000.00}. I have called their fraud department who saw each transaction and was unable to assist in returning money. Told me I had to get a lawyer and subpoena the account. I have tried with my bank XXXX XXXX unsuccessfully. I need assistance is getting my money back. I have been drained mentally thinking about thi scammer who scammed me out of a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream , LLC - First the company alleges to be a consumer credit reporting agency. They appear to have information on me and submitted it to XXXX XXXX. I filed a credit freeze on all three credit bureaus and have consumer alerts on my file as well. This company is reporting adverse information that affects my credit score and the only way to identify what they are reporting is by passing them personal information, including my state or federal identification, ssn number, copy of utility bills, mortgage company and such. Since I don't know who they are and/or why they are not honoring my credit freeze or consumer alert and freely giving my credit history out to strangers ... .I am left with no recourse except to provide them first with information - which I shouldn't have to. They should be honoring my protections provided by law.
Product: Credit card

Subject : Request to Resolve Error with Balance Transfer of {$700.00} Dear Consumer Financial Protection Bureau, I am writing to report an issue with a balance transfer that I initiated, which has led to complications and a delay in receiving the funds. Here are the details : Date of Transfer Initiation : XX/XX/year> Amount Transferred : {$700.00} XXXX XXXX : Capital One Destination Bank/Account : XXXX XXXX XXXXXXXX ( Checking Account ) When initiating the balance transfer from my Capital One credit card, I mistakenly selected my XXXX XXXX  XXXX checking account as the destination. As a result, the {$700.00} was deducted from my Capital One account on XX/XX/year>, but the funds have not been credited to my XXXX  XXXX XXXX cheking account. I kindly request assistance to resolve the matter by canceling the transfer and returning the {$700.00} to my Capital One account as of today, XX/XX/year>.
Product: Credit card or prepaid card

I made two seperate purchases with XXXX in these purchases I chose to do a trade up program where I purchase devices from XXXX and return an older model for credit. After receiving my merchandise, XXXX sent out trade in kits which are empty boxes where XXXX instructs me to put the phones in the box and ship back to apple for a refund against my original purchase. After thoroughly doing so and shipping back the trade in kits which consisted of XXXX trade ins per purchase for a total of XXXX traded in phones, XXXX honored the trade in of XXXX devices per purchase and canceled XXXX of the other XXXX per purchase for a total of XXXX canceled trade XXXX. XXXX then did not ship me back my device or kept my device. I have been scammed out of my devices and XXXX will not even give me a proper explanation of why. I am due a refund or return of my merchandise. The XXXX transcions in question are as follows : Web order # XXXX web order # XXXX
Product: Debt collection

This company has repeatedly placed things on and off my credit every XXXX to XXXX months and keep damaging my credit. Claiming I owe a debt I'm not even aware if. Is there any way to get this company to quit harassing me. As well as damaging my credit repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innacutate information
Product: Debt collection

This account was paid in full to Westlake Financial SVC before the account was sent to collection. The account is reporting inaccurate beyond the Statue of Limitation. I have sent several letters to the Credit Bureaus and to the Creditor since XXXX 2020. Could you please assist in having this inaccurate information removed.
Product: Credit reporting or other personal consumer reports

I'm sending these request the removal of an inaccurate address from my credit report. The address listed below does not belong to me and should be removed from my file immediately : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number, my date of birth and personal information was compromised during an equifax security breach, as a result Ive had several things that do not belong to me on my credit report that Ive disputed with all three bureaus and its come back on my credit file. My entire identity has been used by a scammer, and Im very upset about this, this has been XXXX to try and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card that was charged off in XX/XX/XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XX/XX/XXXX. A correction was requested on several occasions but the same information is being updated.
Product: Checking or savings account

PNC is no longer allowing connections with XXXX which is a third party virtual.wallet and payment service that I have used with them for years. Now that they have their own service they have cut off XXXX. This is non competitive and should be addressed immediately.
Product: Credit reporting or other personal consumer reports

This is my numerous 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
Product: Credit card

I recently became unable to seek gainful employment due to my XXXX. I am currently receiving general assistance. Being unable to work has caused an economic hardship on my way of life.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub> 2023 I was scammed by a company pretending to be a dance company for little kids I reported this to cashapp and never got an investigation done or my money back only thing they told me that I should be careful of getting scammed and who I send the money too and I was not eligible for a refund or anything.. I was scammed and my money was just gone and cashapp did nothing about it
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you 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. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 


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 dont 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 DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE 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. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

The account was open on XX/XX/year> According to the law it is illegal to report transactions history with out consent of the federally protected consumer 15 USC 1681 in accordance to 16 CFR 313