23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

This complaint is regarding my WISE account. Wise is an international transfer app. 

My complaint is that WISE will not let me contact them to verify if I have funds in my account. 

Context : I was XXXX and robbed, and during the event my phone was compromised and my assailant transferred money on my WISE app. I became aware of this because there was a charge on my credit card. My credit card reported the fraud and got the transaction reversed. 

Wise then terminated my account. But I believe I had funds in my account. 

When I try to log into WISE, I can't, because my account was terminated. When I try to appeal on their website, I can't, I am told the decision is final. When I try to contact them ( following their directions ), I am consistently brought to their login page to log in first ( but, I can't login because my account was terminated ). 

I believe WISE has my funds and is not giving me the option to return them.
Product: Vehicle loan or lease

On XX/XX/XXXX I co-signed with my granddaughter on the lease of a XXXX XXXX XXXX. I was aske by the dealer, XXXX XXXX in XXXX, Az to co-sign with my granddaughter on the lease to get the best rate and payments. While applying in my granddaughters name for lease approval I only noted later that the dealer actually placed me as the lessee when the following issue arose. On XX/XX/XXXX my granddaughter took her vehicle to the local XXXX dealership XXXX of XXXX XXXX, NC. to work out payment arrangements on her car which we knew was considerably over the allowed mileage even after extended lease renewal. The salespersons at the dealership told my granddaughter they would take care of the lease turn-in and proceeded to sell her a new vehicle. They then reported her old vehicle as an abandoned leased vehicle somehow removing my granddaughter from the old lease and converting the lease to me as the leaseholder and coordinated the lease turn-in with Hyundai Motor Finance ( HMF ) /Hyundai Finance Company ( HFC )/ Hyundai Capital America ( HCA ) .With no contact with me the vehicle was processed by HMF/HFC/HCA with a value of {$6800.00} and I am told by HMF/HFC/HCA sold with a {$14000.00} balance due after penalties and fees . ( I could have and would have paid for the vehicle had I known it was being sold as it was worth {$6800.00} ). While HMF/HFC/HCA had been in contact with me the entirety of the lease term if there was any issue they indicated they couldnt contact me about the lease turn-in issue. They never bothered to simply ask my granddaughter how to contact me, neither the dealership nor the finance company. Or to just contact me with the email address they had been using for years. I found out about the whole process when I noted my credit score had dropped and could not figure out why. After several contacts with the HMF/HFC/HCA XXXX the dealer and finally two complaints with the XXXX I noted that HMF/HFC/HCA was reporting the issue as a leasing write-off and I dropped the active pursuit of resolution. I am now getting a new home mortgage and am being told that this reporting is having a negative effect on my credit score and thereby loan worthiness. Sure would appreciate your help with this issue. Thanks
Product: Credit reporting

Experian reports the following information that does not belong to me : 1- Berks XXXX , XXXX/XXXX/XXXX, {$410.00} 2- XXXX XXXX , XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- XXXX XXXX, XXXX/XXXX/XXXX, {$940.00} 4- XXXX XXXX, XXXX/XXXX/XXXX, {$550.00} 5- XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 8- XXXX, XXXX/XXXX/XXXX, {$0.00} 9- XXXX, XXXX/XXXX/XXXX, {$0.00} 10- XXXX, XXXX/XXXX/XXXX, {$0.00} ( reported 3X ) 11- State of MDXXXX, XXXX/XXXX/XXXX, {$170.00} 12- XXXX XXXX, XXXX/XXXX/XXXX, {$0.00} 13- XXXX XXXX XXXX , XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX XXXX {$2000.00} 15- XXXX, XXXX/XXXX/XXXX, 30 days past due 16- US Dept of EDXXXX, XXXX/XXXX/XXXX, {$3700.00} XXXX US Dept of EdXXXX, XXXX/XXXX/XXXX , {$360.00} 18- US Dept of EdXXXX, XXXX/XXXX/XXXX, {$4900.00} 19- XXXX, XXXX/XXXX/XXXX, {$620.00} 20- XXXX , XXXX/XXXX/XXXX , {$590.00} Please remove these items
Product: Debt collection

On XX/XX/2022 the original creditor sent a letter stating they are not actively collecting the debt. Someone other than listed collector now owned the account, and that they were not collecting on the debt. On XX/XX/2022 the original creditor sent a letter stating the statute of limitations has passed, and again stated they were not collecting the debt. They did however ask me to send them money. They also said they were putting a statement on my credit report. I am against any statement on my credit report from entities with conflicting reporting practices. It's past the statute of limitations as they have acknowledged. Social Security income is exempt anyway. Account should be closed like the other Citibank account. 

On XX/XX/2022 collection agency told the CFPB they have " closed the account and removed any associated credit reporting tradelines '' but they did not as of XX/XX/2022. 
15 U.S.C. section 1692 ( e ) of the Fair Debt Collection Practices Act states the threat to collect a debt you have no intentions to collect is a violation. Close and remove tradeline as stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I was apart of the XXXX breach and signed up for the monitoring service XX/XX/XXXX. At this time I saw an account listed for American Credit Acceptance for a car loan. I knew this was n't an account that belonged to me because XX/XX/XXXX I  purchased a car an established a loan with XXXX. I work a part time job and would never purchased two cars. First I filed a FTC identity theft report. I also disputed the information with all 3 credit agencies. The results of the investigation came back as accurate information. I disputed the information again with my FTC paperwork, copy of my ID, information for my real auto loan and information that someone else got a ticket in my name using a lost ID in XX/XX/XXXX. I  also sent all this same information to American Credit Acceptance with a request to provide me documentation for the loan that supposedly issued in my name. They send me back there investigation finding that said signatures matches, address matches and picture ID matches. There findings is there is no evidence its not me. They also sent the credit application. The application is basically blank with limited information no filled out completely at all. They did n't provide me with the copy of the ID that was used which they claimed matched my ID. The signature on the paperwork does n't match my signature at all. I never applied for this loan. One of  the biggest things that also make this unbelievable is because of issues in the past with someone getting a ticket in my name and someone trying to get services in my name I have a statement of my credit report. No one should issue credit in my name without contacting the phone number listed on the credit report. American Credit Acceptance never contacted me to verified I was the person getting credit.
Product: Debt collection

On XX/XX/XXXX Towner Loan in XXXX, Missouri called my phone 7 times in A ROW in the middle of my work day. By the 8th phone call in a row, literally back to back, I stepped out of a meeting and answered and asked them to stop calling. HE LITERALLY CALLED back immediately after I hung up. I blocked the number so I could get back to my meeting. The next day I left a voicemail with XXXX XXXX, the regional manager, explaining my frustration and asked him to call me back. I never heard back from them but received numerous calls the following Monday and Tuesday from a different phone number but from Tower Loan. When I asked one of the employees ( XXXX or XXXX ) for the corporate Tower Loan phone number they gave me the phone number to XXXX XXXX but still couldn't provide the corporate number. I XXXX and found the number myself and told them the situation. Within ten minutes XXXX XXXX finally called me back after I'd left him a voicemail about them calling 8 times in a row. XXXX has been calling my family members every other day even though I have been in contact with him the whole time. 

They are contacting me about an account that I told them someone else opened someone else stole my identity and I have filed a police report and Tower Loans knows all of that information and has used this tactic of calling me 8 times in the middle of my work day. 

numbers they have called me from XXXX Blocked this number and asked not to be contacted XXXX Blocked this number and asked not to be contacted Still received calls from these numbers XXXX XXXX XXXX ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

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  I discovered inaccuracies on my credit report regarding several collection accounts, which I believe are due to identity theft. Despite multiple attempts to correct these errors through the credit bureaus, the inaccuracies persist. This misinformation is negatively impacting my credit standing and financial well-being. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), I have the right to have fraudulent information resulting from identity theft blocked from my credit report.
Product: Mortgage

In XX/XX/XXXX, I started to question my PMI because I live in the XXXX zip code of XXXX - the hottest real estate market in the XXXX area. In XX/XX/XXXX, I requested via email and fax to have my PMI eliminated. I was told that if they went by my XXXX  re-finance appraisal of {$460000.00}, my property would still be below the required 78 % Loan to Value ratio to qualify for PMI elimination. XXXX from Fifth-Third Bank told me that the other option I had would be to request a appraisal, to be paid for by me. They would send someone out to appraise the property. The appraiser came out in late XX/XX/XXXX. I called several times after I received the report stating my property appraised at {$530000.00}. 
A couple of weeks later, I received a letter from Fifth-Third Bank stating that my property did not meet the required 75 % LTV as it was at 75.82 % LTV and therefore my PMI would not be cancelled. I contacted the company multiple times, and could never get a straight answer. My re-finance documents clearly state that I reserve the right to have my PMI removed once the LTV is at 78 %. 
I feel like I am being discriminated against because of my race. Everyone knows that these mortgage companies attempt to scam XXXX and XXXX people into paying more. They never give us a straight answer on anything. Each time I contacted this lender, I received a different answer from they never received the faxed request to review my PMI to the LTV would have to be at 78 % to being bullied into demanding to know who said 78 % to telling me as early as last week that they needed to check with " the investor '' of the loan to determine what the LTV should be. Clearly someone sent the letter so they got that information from somewhere. And, when demanded to know who " the investor '' of my loan was, XXXX ( the manager ) said it would be XXXX XXXX or XXXX XXXX. Everything I've read online seems to suggest that XXXX XXXX and XXXX XXXX subscribe to the 80 % LTV ratio. Today ( Monday, XX/XX/XXXXXXXX  around XXXX CT ), someone named XXXX contacted me stating he would look into my formal written complaint that I sent Friday, XX/XX/XXXX, but had no answers about the LTV saga. I need a third party to help me fight the XXXX profiling and discrimination this mortgage company seems to be practicing while having loans underwritten by XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my wife year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXXXXXXDispute all filed to ftc and here violations attached and uploaded
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I contact Capital One I formi g my acct not being reported in the month of XX/XX/2018. my Capital one acct ending in XXXX has not been report correctly by XXXX since XX/XX/2018.. This is cause my credit score to be lower. And my credit limit has been increased by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that you all are reporting this bankruptcy on my credit report that Im not aware of and it is inaccurate. Please notify me what is federal court and what is us bankruptcy court. I researched on XXXX and couldnt find either with my name attached. Please delete this erroneous bankruptcy off my credit report. 


I sent letter to XXXX and Equifax and received a stall letter stating that the letter came from someone I was working with.
Product: Credit reporting or other personal consumer reports

After finding several discrepancies on my credit report, I sent a certified letter to Experian on XX/XX/year> and listed the accounts that were in questioned. I requested that they please fully validate the reported information and remove anything that they could not provide signed, original contracts for. 
On XX/XX/year>, Experian responded via email stating that they have updated the disputed accounts on my credit report but no change has been made and the disputed accounts still remained on my report was not fully validated. 

On XX/XX/year>, I sent Experian another certified letter stating that I previously sent a letter asking them to provide original contracts of the disputed items. I asked to please DELETE any accounts that they could not provide original contracts for. 
On XX/XX/year>, Experian respond via email with the exact same response as their first, stating that the disputed files were update. However, the files were not updated and all disputed accounts still remain on my credit report and have not been fully updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I have requested information from Equifax concerning an erroneous public record on my credit file. I have submitted a request for information that has not been provided within the required 30 day timeline they are allowed by law. 

I have supplied a copy of the letter sent to them and am very frustrated I've not heard back.
Product: Debt collection

Told me the amount owed and was very rude wouldnt give me any information about themselves, continued calling repeatedly
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by QUALITY ASSET RECOVERY. While checking my credit report, it came to my notice that QUALITY ASSET RECOVERY has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by QUALITY ASSET RECOVERY will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or QUALITY ASSET RECOVERY, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Credit card

Bank of America gave me an incorrect payoff amount. Then, after I missed payments, they are refusing to amend my credit report, even with the amount paid. Then, they sent me a refund notice stating that I was overbilled XXXX, so that amount showing on my credit report is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : WELLSFARGODEALERSVCS {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and 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. Debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,
Product: Money transfer, virtual currency, or money service

Ive spoke with this company XXXX. I paid off my car on XX/XX/2021. I over paid by XXXX and some change. I called them made them aware they said I needed to wait XXXX business days for payment to clear. On XXXX XXXX I called customer service said they spoke with the accounting and that I will receive the check by before the end of XXXX. Its now XX/XX/2021. I called and my refund payment is still pending approval from a XXXX and I get told to call back on XX/XX/2021. The first time I spoke with someone they said it would only be XXXX weeks XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed the following accounts with Equifax : XXXX XXXX XXXX # XXXX XXXX Collection # XXXX XXXX Appliances # XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX It has over 45 days and I still have not received any updates regarding an investigation. My credit report doesn't reflect and investigation being conducted and I never received any results in the mail. I decided to do my own research and apparently Equifax is in violation by not doing any of the things I am complaining about.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX regarding {$3500.00} owed to Plaza Services , LLC. This is not a company I have any dealings with. I do not know what the amount owed is for or could be for. I have been given 30 days to respond before further escalation of debt collection. This is a false complaint of money owed. I would like to report this company for fraud or false claims. 

False claim by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reference # XXXX to be collected from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

There is an account ( XXXX XXXX XXXX ) with inaccurate information that needs to be deleted from my Credit Report. Experian has not deleted this Account from my credit report and is publishing inaccurate data on the account.
Product: Checking or savings account

On XX/XX/XXXX around XXXX I went to am atm inside of XXXX  on XXXX XXXX XXXX XXXX PA XXXX. I had started to pull out {$200.00} then before I hit enter button I canceled remembering Chime is horrible with disputes if something were to go wrong. I then entered another card and continued with my transaction. About XXXX later upon trying to use my chime card I see that they took {$200.00} out. I called chime and was told that I had to now wait until it's out of pending that those funds would return back into my account. I had also called the merchant for the atm and they confirmed that transaction was canceled it never went through. Those funds weren't put back into my account so chime tells me I need to file a dispute so I do that. I told chime what happened and they obviously didn't investigate this because they denied my dispute causing me now to file a rebuttal. That now I'll have to wait another 10 days for. The merchant doesn't have my money chime has my money and will not return it. I was instructed by the merchant atm to file a complaint here. Dispute # XXXX. I would like my money back as soon as possible I have bills to pay with these funds that chime took from me.
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft, and you are required to remove any items that was opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted.