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

I recently provided hard inquiries on.my report that I didn't authorize. There were XXXX on total, XXXX were removed. I contacted equifax again to see if they removed the XXXX inquiries. They have not & inform me I needed paperwork from your company There are the remaining inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent XXXX and LVNV Funding letters, and documents of proof that the account is not mine. I have also let LVNV funding now that the address that they are reporting on the account is not mine. I have never lived there. Its not reported on my credit report because its not an address associated with me. I have let them know this multiple times along with cinnamon documentation that shows my actual signature along with me stating that my information was stolen years ago. That includes my Social Security, my ID and a lot of other important documentation, including my birth certificate. This account was open without my knowledge which is fraudulent, and it needs to be removed from my credit immediately.
Product: Money transfer, virtual currency, or money service

MoneyGram wo n't  let me using online service ( sign up account, send money via online, ... els. ) This is not fair. This company is so racing to human.
Product: Mortgage

I filed two complaints demanding itemized contractual defense of fees undisclosed I never agreed to being deflected from the principal and interest, and escrow, as expressly agreed in the Contract, HUD statement, and Truth in Lending Agreement in breach of contract. Upon express and written dispute being ignored, and in retaliation, PNC has to date failed to provide reasonable responses and explanations of certain entries as requested in my itemized notice of errors and demand for specific performance as agreed [ correction ] disputing the debt balance and, also, have now misrepresented fraudulently certain material facts in dispute via a non-judicial foreclosure proceeding further violating my right to due process/trial and denying my right to defend myself against their false claims and fraudulent pretenses with which an order for forced sale was obtained ex parte. The debt has been satisfied, but for their misapplication of funds collected to date, in breach of their fiduciary duty. They have misrepresented the nature, beginning balance, and current balance of the principal in addition to their unjust enrichment due to their breach and refuse to honor the Contract or make corrections to the account to properly reflect the balance and provide me a letter of satisfaction. In XXXXXXXX XXXX XXXX XXXX, they removed any record of negative reporting. XX/XX/year> ( after 20 years ) they filed a Deed of Trust and fraudulent motion for lis pendens without proper service of process and right to contest/ demands for trial almost a year after my initial contestation and CFPB complaint without good faith reasonable defense of their mishandling of funds in breach and/or notice of correction. We paid for this fixed note for 21 years, and only upon dispute of payoff they refuse to reasonably discuss, did they allege default.
Product: Vehicle loan or lease

In XX/XX/2017 I made two loan payments on my vehicle which should have been applied toXX/XX/XXXXr andXX/XX/XXXX. InXX/XX/XXXX I made a payment which would have accounted to XX/XX/XXXX.XX/XX/XXXX we had a thin month so I did not make a payment since that month 's payment was already made. In XX/XX/XXXX, I made my XX/XX/XXXX payment 8 days late for which a late fee was added. On XX/XX/XXXX I made another payment which would have been for XX/XX/XXXX. My next statement with the company still indicated my XX/XX/XXXX payment was due and a late fee was charged on my late fee that was assessed on myXX/XX/XXXX payment. I made myXX/XX/XXXX payment on theXX/XX/XXXX, one day before the due date of theXX/XX/XXXX. As of today, company still shows that I owe for myXX/XX/XXXXpayment. I contacted the company on XX/XX/XXXX to discuss this. After reviewing my payments with the CSR, he agreed that there appeared to be an error on the part of the company and attempted to transfer me to the department best suited to handle this. The transfer could not be made so he sent a message and advised me to call back on Friday XX/XX/XXXX. I called on XX/XX/XXXX, the CSR saw the note on my account and attempted to transfer me without success. She assured me she would email the department and I would be contacted within 24 hours. As of XX/XX/XXXX I have not received a response and my account has now been assessed another late fee on the late fee.
Product: Debt collection

XXXX & XXXX, are trying to bill me for something I paid and was a dispute over XXXX years ago!! They have records of me calling to state the people living in the basement apartment was connected to my XXXX apt !! The landlord kept lying and did nothing and when they moved out I got stuck with the bill. After some years I out the XXXX & XXXX in my name and then they stated I still owe this money! This should not be on my credit report at all!!!!! I actually overpaid them and will attach the letter from my Attorney sent to XXXX.
Product: Money transfers

On XXXX XXXX, 2015 I received a call from XXXX then I picked it up, a guy named XXXX XXXX told me that he worked for XXXX for grant money. Then XXXX told me that I was qualified for XXXX $ I was excited then he asked me for all of my information including my social number.I gave him all of my info than he transferred to a different number which is XXXX they asked me to send a XXXX $ fee than I could have XXXX {$.00} They have more numbers which are XXXX, XXXX, and XXXX. If those numbers call you do n't pick up and block the numbers.
Product: Debt collection

I keep receiving rude calls from different numbers about a debt. I have my credit reports and all of my accounts are current. They say that a court order will be sent to my home or place of employment. I have asked them to please do so, that way I know they are legitimate and not trying to scam me. Of course, I have never been served or received any form of legal documentation. 

Their supposed information AMS XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.PLEASE DELETE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

" Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an issue with a bank account that was paid off and closed with XXXX Government XXXX. '' This action was taken in XX/XX/year>. I have reached out several times about the matter. I was told by customer service everything will be update
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this account numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$320.00}
Product: Debt collection

Repeated calls and reneging of previous deals reached, speaking of threatening my life with the credit mark until XXXX, abusive and profane language and insinuations about me. I want to pay off the debt for the lowest amount, we agreed on XXXX or so and now it is XXXX or so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed Several complaints against this company world finance company they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a world finance account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable
Product: Vehicle loan or lease

I went into the Toyota dealership in XXXX, MS in XX/XX/XXXX, and purchased a XXXX XXXX XXXX, and initially, I bought the extended warranty on the vehicle. The extended warranty purchased totaled {$3800.00}. After thinking it over the following day, I told the finance manager that I did not want the extended warranty and to please remove it from my contract. I reached out multiple times and each time she told me the additional care ( {$3800.00} ) would be taken off the contract. Over the span of 6 months, I reached out and requested action on this issue because it wasn't showing up on Toyota Financial 's interface. On one occasion, I requested proof because I was starting to become skeptical of its existence, and like all the other times, I did not hear back about it. In XX/XX/XXXX, I sent one final message requesting action and she read the message but decided not to respond. Therefore, I found it reasonable to escalate it to her management team. Over the course of two weeks, I've called the general manager, general sales manager, sales manager, service manager,  and dealer principal. I did not hear back from any of them on the matter. I've been paying interest at 3.79 % for {$3800.00} ( amortized ) since XXXX of XXXX and the team, specifically the financial manager, have in my opinion unethically dodging action to their benefit trying to take advantage of a young servicemember because they don't think I can do anything about it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was scammed out of {$4400.00} through a forged certified check scam. The bank that received the money electronically, Citibank, immediately froze the receiving checking account due to suspicious activity. The account remains permanently frozen. I know the Citibank checking account number and routing number where my money was sent and have been communicating with the account holder via telephone and text messages to get my money back. The account holder said her bank ( Citibank ) told her the money was returned to the sender ( me ) but my bank account does not show a refund. I tried to contact Citibank for assistance, they kept transferring me to different departments, and the last person told me I am not a Citibank account holder and they can not help me. When I asked who I can speak with about this, she said " Have a good day sir '' and hung up on me. The account holder said she spent hours on the phone attempting to resolve this matter with her bank and getting my money refunded to me but Citibank was uncooperative with her as well. She described the bank 's behavior as a " runaround ''. She is blocked from accessing the account to verify whether money remains in it. 

I opened investigations through my own bank, XXXX XXXX. They notified Citibank that the money was received by Citibank as a result of a scam. XXXX XXXX said there are no pending transactions from Citibank to indicate a refund has was sent to me. XXXX XXXX said they did all they could at this point. 

Additionally, I filed a complaint with the FBI soon after the date of the scam and have not received any follow-up communications regarding the progress of the investigation. 

Can someone assist me?
Product: Mortgage

On XX/XX/XXXX I called Webster Bank in XXXX MA to convert my home equity loan I have had with them for 5 years. At the time of the mortgage I was given a pamphlet giving the terms of this option. It was explained that this was very good and no other banks off this. I called on XX/XX/XXXX saying I wanted to exercise this option which reads. " We wiil charge you a {$95.00} fee whenever you exercise this option. " and " Here is how we will determine the fixed interest rate that will apply to a Conversion Option. '' It describes caps XXXX XXXX and floors XXXX XXXX further, " we will offer you the fixed annual interest rate we are generally offering to to eligible members of the public when we receive your conversion option request, for fixed rate equity monthly instalment loans for the principal amount and term you request '' The bank ( head of mortgages XXXX XXXX XXXX refuses to honor this agreement ( I asked for and received a copy of the signed original agreement and it is the exact language as the pamphlet. XXXX XXXX says, " She doesn't want to read the agreement '' and You can not get a mortgage without a closing cost. The advertised fixed rate mortgage on their website was XXXX XXXX on XX/XX/XXXX. I am asking that they honor the terms and conditions of the agreement with them and XXXX XXXX refuses to do this.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Unauthorized inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After careful review of my consumer report again, I still noticed that you continue to furnish misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You've reported transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of XXXX. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, and XXXX . And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all current liabilities have been transferred to the Revocable Living Trust `` XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS as you continuously violate my consumer rights, and I intend to accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Money transfers

I used Western Union to wire money. They give the option of paying with a credit card. They do not give clear notice that this may/will incur significant fees from the card. They list this at bottom of page, with a number 2 that does not correspond to the credit card selection. This is, to my mind, intentionally misleading. At no point in the transaction was it clear that I would be charged over {$25.00} in fees. Thank you for your help.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX XXXX XXXX opened a collection of {$280.00} on my XXXX credit report. XXXX XXXX XXXX has contacted via text message and claims that I owe money from Binance.US. I have not done any business or taken out any loans with Binance.US where I would owe {$280.00}. Looking up Binance.US, it is a cryptocurrency exchange. This has negatively affected my credit score
Product: Debt collection

I'm writing on behalf of my father who does not owe anything to anyone. The company named Penn Credit Corp has been harrassing him for months. These are the dates and times this phone number XXXX has called him at his home : XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX If you would please them stop we would appreciate it!
Product: Debt collection

This company calls and harassed me to pay a debt from a medical provider XXXX a medicine for about {$400.00}. That I paid to another company about a month before this company started calling me. I still have not received any receipts nor any proof of payment from the last company. This company is asking for the same payment. When I ask them to send me proof I owe a debt none of the customer service reps can send an email, or letter to my home. Until they can prove this. They need to stop calling because the harassment is too much. Because when I call XXXX medicine Im not getting the same info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX have violated many of my rights. To start, there are many inaccuracies in my credit report such as different dates of birth, addresses that I have never been associated with and different addresses for my current address, payment dates and original balances for multiple accounts, payment histories, opening dates etc. I will provide the first 4 pages of my credit report as an example. If needed I can send the full report. 

I have never received any options or notices informing me of my right to be able to opt out of disclosures and preventing most third party affiliates from accessing my personal information through financial institutions. Not to mention that my transaction history has been made available when it shouldnt have been reported. 

Charge offs still remain on my credit report when I am well aware of the fact that they are now Certificates of Indebtedness and considered income which also should not be on my report. 

These are violations of the Fair Credit Reporting Act, and the Privacy Act of 1974. 
15 USC 1681 A, B 15 USC 6802-6805 16 CFR 313 & 16 CFR 433s 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7 Section 3711 e of Title 31 of the Privacy Act of 1974
Product: Student loan

XX/XX/XXXX called Sallie mae once again to explain I am experiencing serious health issues and can't pay at this time Customer service has no Options for me gives me a number to call and I have been on hold for 2 hours now and requested the disability application which will be received in my email in 2 days? I hate that the laws in place just don't pertain to them nor do they have any options to work with me. It's a joke and I'm struggling to get through each day as it is and they aren't easy to deal with at all. XXXX I'm so fed up. I communicate and get no where
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I am requesting validation, my handwritten signature that binds me to the alleged debt. 15 USC 1681 e ( b ) assures that I am due and promised accuracy in my report based on federal law. This is NOT a request for " verification '' or proof of mailing address, but a request for " VALIDATION '' made pursuant to 15 USC 1692g Section 809 ( b ) of the FDCPA. I am requesting to have any/all unverified information be removed promptly after investigation per 15 USC 1681i ( A.5 ).