23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2011, my daughter was in a car accident. The car which was registered in my name was towed to a local yard at the request of the police. I went to the yard ( XXXX XXXX ) and signed the ownership of the vehicle so they could sell the car. I was told that that would satisfy the cost of towing and storing the Car. 

I recently realized that after selling the car, XXXX XXXX also submitted a Claim to Credit Bureau Associated for Collection. The Claim is for {$2600.00}. I contacted CBA collection who stated that CBA only sold the car for {$70.00} and they want the difference. I told CBA that is ridiculous, that the hubcaps were worth {$70.00}. CBA stated that XXXX sells all of their vehicles for {$70.00}. 

So then it is clear. This is a scam. I sign over the car and they sale it claiming they only received a nominal amount for the car ( {$70.00} ). They keep the cash tax-free, then sale the account to a Collections to get more money. I told CBA that I want a copy of my file including a bill of sale showing who they sold the car, what date, what amount as well as all other documentation. 

They have not sent me this information. 

I contacted XXXX XXXX to remove this fraudulent collection and they refused. Please help with this matter. 

Credit Bureau AssociatesXXXX, CA XXXX TowingXXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Venmo is withholding my funds. They wont send it back to who originally sent it to me. I had a Venmo agent ask for my XXXX XXXX which I provided and now other agents are responding avoiding my question why did a venmo agent ask me for this if its not accepted. They are asking for documentation to verify proof of address. I have and I sent them an email as well with where the funds are coming from. XXXX my tax return with my XXXX XXXX XXXX on it and my information and they dont respond to direct questions. One agent got loud with me and I asked him for his name which he refused at first. Then gave me his first name with last initial and I requested he email me this information a d he did not.
Product: Consumer Loan

Wells Fargo Dealer Services has consistently denied me opportunities to bring my account current and avoid delinquent charges, harassing phone calls and damage to my credit bureau reports. 

On several occasions collections and customer service representatives refused to accept reasonable payment offers while demanding payment in full ( several payments + past due charges ). These seemingly institutional denials have caused unnecessarily accruing past due fees and delinquency reporting. 

I called tonight ( XXXX/XXXX/15 ) to apply for a deferment, which I was denied several times prior because my account was greater than 45 days past due. After describing my situation for several minutes with my customer service representative, XXXX [ not sure of spelling ], she advised me that she would have a supervisor review my account. She returned from an extensive hold to notify me that the supervisor denied my claim because I was only 30 days past due and have greater than 50-months remaining on my loan. I asked if there was formal guidance for her decision, which seemed arbitrary. She transferred me to the collections department. 

I described my situation again to XXXX in collections, who advised me that she did not think I qualified for a deferment and transferred me to my account manager, XXXX XXXX whom I have spoken to several times prior. On other occasions XXXX misrepresented himself as a supervisor ( admitting that he was only second voicing a call ), each time he has shown an unwillingness to consider a payment arrangement. Instead he demanded payment in full by end-of-month, most likely to benefit his bonus while sacrificing my further delinquency. Tonight XXXX sounded almost intoxicated while explaining arbitrary reasoning for not considering my request for a deferment. I insisted on speaking to a supervisor and was transferred to XXXX. 

XXXX answered the phone with an abrupt, harsh tone and eventually attempted to justify the reason for the customer service supervisor 's denial. I explained my short-term hardship, which included medical expenses from my wife 's recent XXXX. XXXX responded with the most disturbing statement imaginable, stating that a death would be considered a short-term recoverable situation but not my wife 's XXXX and subsequent periods of unemployment. I nearly choked when I basically heard her say that if my wife had died they might consider a deferment!!! Please listen to tonight 's recorded XXXX minute call beginning at XXXX EST.
Product: Payday loan, title loan, or personal loan

I have been informed that this loan that I disputed was claimed accurate by this lender. The loan was opened in XX/XX/XXXX. XX/XX/XXXX the person who opened the loan up in my name made XXXX on time payment then was late from XX/XX/XXXX up until this date today. XXXX XXXX I went from living in XXXX XXXX Florida XXXX XXXX XXXX XXXX Nevada XXXX I have public records that are available to prove that. I have been trying to report this for some time and for some reason I cant get it off my report. I have called them to dispute the item and every time they say they are going to direct me to someone to help the call ends.
Product: Vehicle loan or lease

I have still not seen or received my title from One main and they did send email asking to discuss payoff but if you look at my XXXX statement per their App or Website it shows XXXX balance due!?!? I have replied to a couple emails b/c its hard for me to call especially during the day and emailing is my best option for communicating. I really don't see any need in calling or talking to anyone if my vehicle is paid off or shows XXXX balance. I want or need my title so i can reduce my vehicle insurance before I go out on XXXX XXXX XXXX! It has been a month since first filed compliant and still no title???
Product: Credit reporting

This is my third attempt of trying to get my inquiries removed from my credit report. I have previously submitted a request through XXXX, and Transunion acknowledged that I was affected by the system glitch. I requested that all inquires be removed. When I called in after about 30 days, because the inquiries were not removed, the representative told me she could see where the inquires needed to be deleted, but asked me to call back and tell her which ones. I am requesting that my report be updated with the inquires removed. I currently have a fraud alert placed on all XXXX credit bureaus. I have also made several attempts to have my name updated on my credit files, but have not been successful. Please see my license an SS card in the attached documents. I would like my name to be updated to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Transunion Team, I hope this letter finds you well. My name is XXXX XXXX, and I am the Founder & Director of Agape Advocate Consulting, a NGO dedicated to assisting victims of human trafficking, particularly those impacted by debt bondage. Our mission is to provide comprehensive support services, including legal assistance, counseling, and financial education, to help survivors rebuild their lives. 


Under the Debt Bondage Repair Act, we are committed to advocating for the rights of victims and ensuring they receive the resources necessary to escape the cycle of exploitation. We believe that collaboration with organizations like Transunion is crucial in our efforts to restore financial stability and dignity to these individuals. 


Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. I, XXXX XXXX, am the authorized representative for the victims and survivors. 


TRANSUNION is declining the request to block information for human trafficking survivors. Agape Advocating Consulting is an accredited NGO authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Transunion is violating FCRA 605C by delaying the process of blocking information within 4-5 business days.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
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 the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. the CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

My brother XXXX XXXX XXXX went to my PNC Bank and opened my savings account, and changed my account status to access with voicemail checking whether I have money in the account. He has a fake driver 's license or I.D . in my name. Also, my old workers XXXX, XXXX, and more identity thieves were involved too, and checking my accounts.
Product: Credit reporting

The following account is back on my credit report after Equifax deleted the account on my credit report on XXXX XXXX, 2016 : Account : XXXX XXXX This account do not belong to me. Review Equifax Confirmation Number : XXXX.
Product: Debt collection

In XX/XX/2019, we received notice that a medical bill was sent to CMRE Financial Services for collections. I was in the process of paying the hospital ( XXXX XXXX XXXX ) when the debt was sent to collections. CMRE is attempting to collect {$880.00}, which is not the correct amount. This amount does not take into account the payment I made to XXXX XXXX XXXX on XXXX XXXX for {$25.00}. I have repeatedly sent letters to CMRE requesting that they verify their information with XXXX XXXX XXXX and only attempt collection on the amount I actually owe. I believe this whole ordeal is a result of XXXX XXXX XXXX accepting the payment from me on XXXX XXXX, but not giving that information to CMRE. CMRE claims they have contacted XXXX XXXX XXXX and validated the debt, but they are still sticking to their claim that we owe {$880.00} rather than the actual amount we owe which is {$860.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly believe that you have violated the FCRA and the non-compliant with what you have reported. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became unemployed due to the COVID Pandemic since XX/XX/XXXX thru XX/XX/XXXX. Due that, on XX/XX/XXXX I completed the request of a Moratorium for my FHA Mortgage for the time period XX/XX/XXXX to XX/XX/XXXX with the XXXX XXXX. During that time period, the XXXX XXXX became to be part of XXXXXX/XX/XXXX. When I started to work again I want to know about my Mortgage Moratory status, and XXXXXX/XX/XXXX notified me that although if I qualified for it, XXXX XXXX did not complete the approval process of my case. ( I sent a letter making a claim to XXXXXX/XX/XXXXon XX/XX/XXXX. ) XXXX XX/XX/XXXXdid not want to accept the moratorium submitted under the XXXX XXXX and reported the my account as overdue without first contacting us to explain the situation that was happening. The bank sent me a letter indicating that my mortgage was on due since three months. Due that my credit score as well as the credit score of the account co-debtor was affected by this mistake made by the bank. 
After that I made the payment requested by XXXXXX/XX/XXXX for the three months ( Paid on XX/XX/XXXX XXXX, and I asked XX/XX/XXXX to correct the mark on the credit that XXXX gave me since it was not my fault. XX/XX/XXXX did not want to remove the mark made on the credit saying that this mark should be removed by XXXX XXXX, however XXXX XXXX does not have a mortgage area since became part of XXXXXX/XX/XXXX. 
Then, as per XXXXXX/XX/XXXX XXXX XXXX XXXX letter XXXX, the Credit Agency are whose have to delete the mark to the credit, since on its system the mentioned mark does not appear. 
During the process, a total of two ( 2 ) letters ( on XX/XX/XXXX, and XX/XX/XXXX ) were sent to the Disputes area of credit agency TransUnion asking to delete the credit mark made by XXXX XXXX and TransUnion indicates that the mark to the credit should be deleted by the mortgage area of XXXX XXXX XXXX Which does not exist ). 
I need my credit score as well as that of the co-debtor to be corrected.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX  - XXXX - XX/XX/year> - {$2500.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I requested a " a single-use personal identification number '' from Experian to grant a creditor a one-time access to my credit report. I also made the same request for my wife 's credit report. I obtained a PIN for my credit report and my wife 's credit report. Gave these two PIN numbers to a loan officer at my credit union and he was only able to obtain my credit report but not my wife 's report. Tried the same procedure again, to get another PIN for my wife 's report and it gave me a message that I had to write a letter to get a PIN number. I tried calling Experian on the phone to see if I could talk to someone about the problems I was having it said I had to write a letter to request a PIN number. I had the same problem a year ago and ended the loan process because it was so frustrating. 
Experian seems to not be interested in talking to me and finding out how to solve the problem I'm having. There needs to be some way to talk to someone at Experian to find out what can be done besides writing a letter and waiting for several weeks to get an answer.
Product: Credit reporting or other personal consumer reports

I was completely blindsided when I saw inaccurate accounts listed on my credit report. These errors are unfairly lowering my credit score and making it harder for me to move forward with important decisions.
Product: Checking or savings account

I started using Bright Money app a few months ago, and they were pulling funds from my checking account and putting it into a " Rainy Day fund '' account with XXXX. 
I noticed a lot of XXXX withdrawals a few months back and those XXXX withdrawals caused my checking account to overdraft. I ended up having to get a whole new account with my bank, and then when I went back into Bright to withdrawal the XXXX I had in the rainy day fund into my new checking account it has been nothing but a headache since XX/XX/XXXX. They claim since it was a different account then what I initially set up, they would need me to send my checking routing, acct number, picture of my photo ID and a bank statement proving it was my account, which I did on XX/XX/XXXX. 

They ASSURED me that it would be taken care of in XXXX business days, which to the current moment, I have still nt received it and I told them last week that if it was not in my account by today that I will be looking into reporting them and possibly seeking legal action. 

I did not even feel comfortable sending them all that information. It feels very scammy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am living human being, I have rights under 15USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Account ; XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX To Whom It May Concern ; My name is XXXX XXXX and this dispute the above referenced case # XXXX XXXX. On XX/XX/2022 I ordered the XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  # XXXX if you go into their system or call them they can advise that this merchandise WAS NEVER BROUGHT TO XXXX XXXX XXXX XXXX ; XXXX XXXX, Il XXXX. I am requesting this {$3000.00} charge be refunded to my BARCLAYS credit card as I NEVER RECEIVED THIS PRODUCT NOR DID I SEND ANYTHING BACK TO THE SELLER FROM MY HOUSE AS IT NEVER ARRIVED. I am very disturbed as to how a product that I never received can be charged to my account. I have sent several packages to the credit card company to try and rectify this matter and they have closed the dispute twice. I don't know what XXXX XXXX  & XXXX advised Barclays, but I did not receive this product and the XXXX invoice does not disclose or indicate the bed was dropped off at my house AT ALL. Nor did I send it back to them nor did I break it and send it back. I am requesting this charge be removed from my credit card statement as I do not have this product nor did I ever receive it. Please remove this charge as I did not receive it nor do I have this bed.
Product: Credit card or prepaid card

I purchased some dresses pants shirts from a company unbeknownst to me is known for fraud. They false advertised and they dont follow the measurements you send them. That they require. 

They sent items to me that i didn't order. That were completely different from their advertisement. I contacted discover they told me to upload documents. Their website never works for XXXX XXXX I called them they said use XXXX. I then talk to a customer service rep XXXX In ohio and she said its nothing they can do for me. Even though Discover website never works according to a technical rep stating that. And I received items that i didn't order.
Product: Vehicle loan or lease

Account # XXXX XXXX XXXX XXXX and Experian and XXXX keep posting inaccurate information on my credit report. I have asked them to fix the problem or delte from my credit report. Fair and accurate, and my credit report isn't accurate. This is my fourth or fifth time asking for this to be fixed.
Product: Mortgage

I requested a copy of my entire servicing file from Caliber Home Loans as provided for under XXXX XXXX XXXX  since XXXX XXXX, 2018. Caliber has failed to comply with my request to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent both XXXX  and Transunion a letter requesting that they verify and validate information that they are reporting on my credit report and I also requested WRITTEN validation and verification that the previously disputed items they are being paid to list on my credit file. 

This is my 3rd request and they have not sent anything to me. per federal law they are required to. As I have previously written them that their is someone else that bears my same name and the accounts that they are listing on my report is inaccurate and that a proper investigation needs to be conducted not just a letter sent to me stating that they completed the investigation and no results sent to me.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

We are requesting that they abide by the Federal Laws in this matter.