23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, Transunion, and XXXX as well as secondary credit reports are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Money transfer, virtual currency, or money service

I found an apartment for rent on XXXX. They made me pay 1 month security deposit and 1st month rent to secure the condo. After I paid the money, they set up an appointment for me to see the condo on XX/XX/10 at XXXX. No one showed up to show me the condo so I emailed my contact, the supposable owner of the condo, and told him no one showed up and I wanted my money back because I thought it was a scam. I emailed him numerous times between XXXX with no response.
Product: Money transfer, virtual currency, or money service

Hello, I initiated a transfer from my bank account in the United States to my bank account in XXXX on XX/XX/2021 with a transfer amount of USD XXXX. Today XX/XX/2021 the transaction has still not completed. WorldRemit has requested documentation which I promptly provided, unfortunately many times they requested the same documentation. 

It has been an extremely frustrating experience, other money transfer companies will do a wire transfer in 24 hours. Unfortunately other money transfer companies do not have the Brazilian bank I need for the transfer. 

Thanks
Product: Credit reporting or other personal consumer reports

Never done business with the third party reporting on my credit report. This is a direct violation of my privacy. Dont know how they received my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$2200.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00}.
Product: Credit card

I was a cardholder with CareCredit through Synchrony Bank. I thought the interest rate was way too high at nearly 33 % and I took out a personal loan to pay off the balance on the card XX/XX/year>. The check was received XX/XX/year> and not applied to my balance until XX/XX/year>. 
After the balance was paid in full I was told to call back to request a check for the now positive balance due back to me from CareCredit. 
After the balance had been paid, interest was charged to the account on XX/XX/year> and took XXXX of the positive balance in the account. I called again to confirm their interest charge policy and was told this was a rightful charge but the representative never explained the interest charge or elaborated on the policy that made this charge rightful and I believe it was wrong. They refused to refund my money and were not able to explain the charge whatsoever.
Product: Checking or savings account

XX/XX/XXXX my ALLY checking/saving accounts are frozen and I cant use any of the funds amount XXXX. Im experiencing identity theft and I have other authorized accounts opening and I want the ALLY accounts closed immediatelyXXXX to keep my funds safe. This company as refused to close my account or write out checks in the amount of funds available until I send them a email. The email given was XXXX which I sent the request to close my accounts XX/XX/XXXX. What they requested which I recorded because its odd during a identity crisis documentations Request reads as follows my identification card, social security card, and billing letter in my name which I refused. This ally company I opened in XXXX as never once contacting me? After I have called several times, left voice messages for a supervisor, and have sent a email via the XXXX XXXX
Product: Mortgage

I was going through a divorce and had to move out of my home. My wife was still living in the home. I began to work with a real estate agent to complete a short sale on my home. Per the lender, all documents were submitted that were needed. We had been working and cooperating with the Select Portfolio since the short sale file had been opened. My lender began asking for duplicates of information already sent. At the request of the lender, my agent re-submitted all information. Upon calling in to get an update, the mortgage lender stated they cant help me due to a foreclosure sale date being established and because they mailed out a document that needed to be sent back that I never received. I am just trying to sell my home via a short sale and have done everything that was requested of me. It seems as though they are trying to force me into a foreclosure and not assist me with my property and that's not right. Can you help me in some way please. My foreclosure date is XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open complaint ( Complaint # XXXX ) where Experian is allowing a creditor, XXXX, to report 4 Fraudulent Accounts with inaccurate information. Experian is allowing XXXX to change the charge-off dates on these Fraudulent Accounts. First, Experian should have already removed these accounts due to them being Fraudulent and not belonging to me. The other credit reporting agencies have rectified the issue ; however, Experian is refusing to correct the issue and delete the Fraudulent accounts from my credit report. Experian has responded back to the open complaint indicating they need more time. I am not understanding why they need more time to correct the issue when documentation has been submitted showing proof. Experian is continuing to allow the creditor to change the charge-off dates which is damaging my credit score by showing these accounts are newly reported and also Re-Aging the Statue of Limitations which is Illegal.
Product: Money transfer, virtual currency, or money service

i was scammed out of XXXX dollars from a man posing on XXXX XXXX  selling a console. he sent proof of the XXXX working and him even saying he would package it. I sent him the money through cash app and the day to receive the package, the package did not show up. I contacted the merchant and he blocked me aswell as contacted cash app and they pretty much said XXXX you. i went to my bank and they also said XXXX me. i just want my money back.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check from my boyfriend for {$9500.00} to pay for my dogs veterinary bills, which was VERY important. The next day they put a Hold on the check because they said the check had been altered which was completely false. I stayed on the phone for over an hour telling them they could call my boyfriend, call his bank, that the check was absolutely NOT fraudulent or had not been altered, but all they would say was : FIRST : they were completely refusing to release the hold. Then, when I would not take no for answer, they kept transferring me to finally a HORRIBLE worker by the name of XXXX who explained all this stuff I had to do. I was going to do it until she said I had to get a NOTARIZED LETTER. My boyfriend was right there telling them to release the hold! ( They said they couldnt find his number this had to be false because I know his bank had it ). This caused me to have a full blown XXXX XXXX at my treatment, having to spend over an hour trying to sort it out to no avail, and now I will be late on payment for my very sick dogs veterinary bills, which has brought an infinite amount of stress on me. My check will still remain on hold for XX/XX/23, and my boyfriend has not stopped payment and written another for fear they will do this again.
Product: Debt collection

I contacted the debt collection agency ( Merchants Credit Association ) myself to schedule and setup a payment plan. The lady I spoke to immediately started making statements such as what your wife doesnt work?, you are over doing your self financially, etc. when in fact nobody predicts a medical bill typically and why would she say things when she has no idea what she is talking about and it is personal information and for her to treat me like that is completely unacceptable. If someone is trying to do the right thing then why on earth would they want to make you not want to pay them and tolerate their abuse? No I dont want this on my credit but I dont deserve to be treated that way when i just want to take care of my debt.
Product: Credit reporting or other personal consumer reports

Im writing because I reviewed my credit reports and noticed that there is incorrect personal information being reported by these companies. Please send original contracts for these loans.
Product: Checking or savings account

I initiated a withdrawal from my Apple Savings account with Goldman Sachs to my linked bank account with XXXX XXXX. This worked in the past well. I will gradually remove the money as I have to do the downpayment for a house. 

They declined the transfer and emailed me to call, which I did. In short, they claim they have reviewed my account and can not send a verification PIN to my phone number ( it is with XXXXXXXX  ) during a review. I try to resolve it on the phone with them. They claim I have five or so numbers on file. I asked to send two other numbers that are mine. I have no idea where the other numbers come from and they refused to give me the numbers ( only the last four digits ). I am receiving codes from other banks. I did let them know and asked for other options. They said there are no alternatives. I asked for a supervisor, with the same result. I asked again for a supervisor and was told she was the only supervisor. After asking repeatedly for their manager and explaining that everyone has a manager, she offered a callback from her manager. 

I have no access to my money and they refuse to transfer it with these arguments. I tried to resolve it with them but they refused to. 

I am seeking your help so I can access my money as timely as I need it. 

Thanks a lot, and please let me know if you have any questions.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a dispute, this is a demand! 

Notice to agent is notice to principal and notice to principal is notice to agent Dear [ Credit Reporting Agency ], I, XXXX XXXX XXXX, am writing to you regarding the XXXX XXXX, XXXX. account # XXXX reported on my consumer credit report. Based on the information provided, this account should be removed from my report, as XXXX XXXX  has been violating my rights for over XXXX years now. 

The overview of the XXXX XXXX, XXXX. account indicates that the balance is {$0.00} and the account is closed. Additionally, the payment history shows that the last payment was made on XX/XX/XXXX, with a current payment status of " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be removed from a consumer 's credit report. As established in the Supreme Court case Spokeo , Inc. v. Robins, 136 S. Ct. 1540 ( XXXX  ), the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Since this account has a {$0.00} balance and is closed, it should be deleted from my report. 

Alternatively, if the account has been paid in full, it should also be removed, as the purpose of reporting the account has been satisfied. Maintaining a closed, paid-in-full account on a credit report can have a negative impact on my creditworthiness, as held in the Ninth Circuit Court of Appeals case Gorman v. Wolpoff & Abramson, LLP , 584 F.3d 1147 ( 9th Cir. XXXX ). 

XXXX XXXX, XXXX. has been violating my rights under the FCRA by continuing to report this inaccurate and outdated information on my credit report for over XXXX years. This account was previously disputed, and XXXX followed the rules and deleted the account. However, XXXX and Experian did not, and are currently in willful violation of my rights. XXXX and Experian did not complete the investigation within the allotted XXXX time frame, and I filed a CFPB complaint, yet they still did not delete the account. This is harming me, and each company is liable for a {$1000.00} violation ( per month that it was reported since my first dispute in XX/XX/XXXX ), respectively. 

I kindly request that you investigate this matter and remove the XXXX XXXX, XXXX. account from my consumer credit report immediately.
Product: Credit reporting or other personal consumer reports

this is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 
XXXX XXXX Balance {$4300.00} XXXX XXXXXXXX Balance {$3700.00} XXXX XXXXXXXX Balance {$11000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX Balance {$4300.00} XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3700.00}
Product: Debt collection

XXXX XXXX XXXX demand notice lists no escrow compared to the last monthly mortgage statement which lists an amount of {$1400.00} screenshot from customer portal showing a deficit in escrow XXXX which is in question because I made escrow only payments from XXXX to XX/XX/XXXX. 

XXXX demand notice has a different amount than the last monthly mortgage statement which is due for XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute some of my important credit information that is missing from my report from Experian. I mentioned in the dispute which information was missing and provided the documents, including my bank statement, car loan statement, and the mortgage statement. However they did not try to thoroughly investigate what happened and sent me a letter saying due to the fact that my creditors did not report to them. I verified with my creditors and they said they did report. Also on the reports from the other two agencies ( XXXX and XXXX XXXX ) they do show my accounts information correctly. And now I found out my information was incorrectly shown on SOMEONE ELSEs report. I was an on going problem, and they fail to correct it. Now they said my credit score is unavailable because my credit usage is zero. I dont have any open account!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two addresses on my report that i have never lived at. And there are 5 variations of my name that aren't right.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies present on my credit report with TransUnion, and to demand immediate investigation and correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. My dispute concerns the erroneous information listed under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all other negative accounts on my TransUnion report, which is inaccurate and has adversely impacted my credit profile. I would like to remind you of the ongoing issues with the manner in which TransUnion, along with other major credit reporting agencies, has been handling consumer disputes. As you are aware, the Consumer Financial Protection Bureau ( CFPB ) has filed multiple orders against TransUnion, accusing the company of conducting improper investigations of credit report errors. These orders highlight the failure of TransUnion to properly investigate disputes and the continued listing of inaccurate information on consumer credit reports. These actions clearly violate the requirements set forth under the FCRA, and I demand that you cease such practices with my credit file. Under 15 U.S.C. 1681i, you are legally required to : XXXX. Conduct a reasonable investigation into any dispute raised by a consumer regarding the accuracy or completeness of information on their credit report. XXXX. Correct any inaccuracies within a reasonable time frame ( typically 30 days ), and provide written notice of the results of your investigation, including a copy of my updated credit report if changes are made. In light of the CFPBs orders and your apparent failure to adhere to the statutory requirements, I demand that you : * Immediately initiate a thorough and independent investigation into my dispute, ensuring that all relevant information is properly reviewed. * Correct any and all inaccuracies within my credit file, and provide written documentation of the investigation results. * Cease any practices that might undermine the integrity of the dispute process, as described in the CFPB 's legal action. Failure to comply with these provisions not only violates my rights under the FCRA but also subjects TransUnion to legal liability, as outlined by the CFPB 's actions. As a consumer, I will not tolerate such negligent practices and expect immediate remediation. Please delete and remove from my credit report.
Product: Debt collection

I moved out XXXX XXXX XXXX in XXXX of XXXX. Prior to moving out, I called the office back in XXXX of XXXX to make sure I was good to go and did not have any outstanding balances, they told me I was fine and could move out. They did not inform me of any balance on my account then, or anytime after I moved out. 

Fast forward to XX/XX/XXXX, I see XXXX XXXX XXXX has sent a bill of {$180.00} to NATIONAL CREDIT SYSTEM, however I was NEVER notified of this. To this day, I have not received a single letter, email, or phone call from either creditor notifying me of this debt. I found out because it is now reflecting negatively on my credit. 

By not notifying me of this and sending the debt directly to collections, they are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have included an email from XXXX XXXX I received after a phone call with them on XX/XX/XXXX, where they admit they " mixed '' things up, meaning they did not notify me of this balance or debt previously.
Product: Credit card

I received an email from XXXX confirming my {$750.00} purchase on a credit card I did not use, I called immediately Bank of America and reported fraud. They investigate but when the merchant confirms the sale ( to some unknown person ) they reject the claim, twice. This is for a Spanish language concert XXXX I dont speak XXXX XXXX XXXX miles from my location ( it was in XXXX and I was in XXXX XXXX XXXX XXXX 

I did not make the charge, I instantly reported it but BOA insists on charging me.
Product: Student loan

I have XXXX loans through Discover Student Loans which I took out for my XXXX education. Over the past few months I have called to let Discover know that I am returning to XXXX status, starting an XXXX program. On each call I have received different instructions about the process for getting my loans deferred. To err on the side of caution, I submitted proof of enrollment online on XX/XX/XXXX. I recently received a letter back in the mail claiming that my request did not " meet their requirements ''. They list an arbitrary, onerous set of conditions for exactly how the letter from the school must be formatted and what it must contain. This process is, prima facie, an obstruction of consumer rights. I am attending a worldwide renowed, top-XXXX business school, and it does not offer a letter of proof of enrollment meeting their baseless criteria. Since their phone support techs have been misleading and offered contradictory information repeatedly in the past, and Discover is trying to obstruct my contractual and legal right to a deferment, I am submitting this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate. There is ftc identity theft report attached to the complaint regarding Helvey & Associates. XXXX XXXX XXXX is willfully reporting a fraudulent items my XXXX, XXXX, and XXXX   report. The account is for XXXX XXXX. The marking of duplicate status by the creditor demonstrates failure to undergo proper investigation and avoidance of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with the credit bureaus and its been well over 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts and inquiries on my report I do not recognize