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

On XX/XX/2021, after I review my credit report I found multiple erroneous information on it, that did not belong to me. After reviewing with details I saw multiple addresses that were not mine, So, On XX/XX/2021, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, but after 7 months, I review my updated credit report and I noticed that, they changed the address but they did not remove the inaccurate addresses that it is reported under my EXPERIAN and XXXX report, so I am now taking extra step, because I really need these addresses off of my credit report.
Product: Debt collection

On XX/XX/22 I received a phone call from FBCS at XXXX am, I called back at XXXX. They left no voicemail and I've received no letters from them. It took several minutes just to get the caller to name the original debt which they state is from XXXX XXXX to the tune of {$500.00}. I have not received any communication from XXXX for over a year. I told them I wanted verification of the debt and the woman argued that I needed to provide her a reason for my dispute so that they could provide verification of the debt. I reminded her this is not the way that it works. I am allowed by law to request a verification from a debtor, especially one I haven't heard from an over a year and I don't have to provide a reason, they are required to provide it. This went back and forth for a minute with the debt collector arguing with me when I told her I am a legal assistant, it is the law they have to provide me validation in writing and that Alaska is a one party state for phone conversation recording she ended the call. I don't believe I owe this debt but, I also believe it's a violation to try to 'talk ' people out of requesting verification. There is nothing in the law that requires I give them the reason for my dispute prior to reviewing what they allege to have. For all I know this lady is a scammer given the odd fact that an entirely different company called me for the same alleged debt that very same morning and couldn't rationalize why I had two debt companies calling me on the same day for the same amount of money from the same creditor.
Product: Debt collection

There is inaccurate information on my credit report being reported by Ability Recovery Services. I have contacted the company on various occasions about the account in question, and the company has failed to respond within the required 30-day time limit. I am requesting yet again that the account in question be deleted from my credit report immediately. I have sent multiple validation letters to this company, none of which the company has responded to with validation. I contacted the company on several times. I have no agreement with the company or any of its affiliates. In addition, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX dispute letters were sent to XXXX  and XXXX. As of XX/XX/XXXX, no documentation has been sent to validate this account. It has been more than 30 days without receiving an accurate response from the company. The company has failed to comply with the requests for validation letters I sent, and in failing to validate this account within the 30 days. The company is reporting reporting false and inaccurate information on my credit report. I am requesting removal from my credit report. This company is continuing to violate my rights and causing me undue hardships mentally, emotionally, and financially by continuing to do so.
Product: Debt collection

This another account from the same company that has been sending an overwhelming amount of letters for a debt I have no knowledge of. I spoke with several representatives prior in relation to my information being breached through XXXX  around this time. I also have identity thefts instances around this year when this account was opened. I have paid several credit repair agencies to remove this erroneous account from my credit report.
Product: Mortgage

I feel that I should be provided relief under the COVID and Emergency Rules of California and also offered a new loan modification offer based on my loan modification submitted on XX/XX/XXXX. My home is set to be sold at an Auction in XXXX. Ms. XXXX XXXX, SN Servicing informed me that they can still sell my home online and that I do not qualify under COVID Emergency Relief because the debt is from XXXX. This is false. They want {$50000.00} to proceed with a loan modification and forced me into a shortsale during the COVID period. I just requested a loan modification and COVID relief in XX/XX/XXXX. Time is of the essence and an urgent matter to me. I will be homeless and currently take care of my XXXX year old mother. I can not locate other living arrangements and need your help during this crisis. I don't understand why big banks and large retailers are given relief but the average ordinary American is given nothing.
Product: Debt collection

My ex- husband of 8 years received a call from XXXX last night XX/XX/2018 from a XXXX in regards to a urgent business matter. The voice message that was left on HIS phone he sent our daughter ( as we do not speak ) stated they left me 31 messages and time is running out to help me. That he needs to call ext XXXX on my behalf to make a decision for me by XXXX last night or they were going to take the case to next level. I have received numerous phone calls and some messages, but the numbers always change and messages are rarely left. I am unsure who they are or what they are calling for, but I do not appreciate them calling and leaving messages to my ex husband if it is truly about my financial matters!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION FOR CLOSING AN ACCOUNT THAT I DID NOT AIUTHORIZE THEM TO CLOSE. THIER REASON WAS I HAVE TOO MANY CARDS WITH THEM AND IVE ONLY HAVE ( 1 ) CARD WITH THEM. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the XXXX account on all credit bureaus for fraud I got a score up credit builder loan I signed up and got a denial letter saying I didnt get approved and they told me it was XXXX and now there charging me interest on my own money and it shows my contract as closed then they opened it back up and on my debit card and on my profile shows XXXX XXXX XXXX XXXX the contract invalid and should not be on my credit and it says an addendum was added without my consent An addendum is used to clarify and add things that were not part of the original contract or agreement means this is fraud and they been taking my money on the low that's fraud XXXX I also made payments of XXXX since XXXX and the balance is incorrect
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the unverified hard inquiries on my credit report. Despite my initial complaint and submission of evidence, the unauthorized inquiries remain on my credit report. This is deeply concerning as these inquiries have the potential to negatively impact my financial standing.
Product: Debt collection

My name is XXXX XXXX, & I am submitting this complaint without any influence from any 3rd party or agency. Please see attached documents and ID as it contains my full complaint and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX reported on my credit report stating I opened an account on XX/XX/XXXX with XXXX XXXX I provided documentations to show proof that this information reported was incorrect. Instead of removing this incorrect information off my credit report, they reported that I opened this account on XX/XX/XXXX, which is incorrect information again. I do not have no knowledge of this account at all. They are defaming my name by deliberately trying to keep this incorrect information on my credit report. They have not provided me with any documentation of proof that this debt is owed.
Product: Vehicle loan or lease

On Saturday, XX/XX/2021 I purchased a preowned car and put down {$3.00} grand. The dealership worked with XXXX XXXX to get my account and running and the first payment of {$220.00} was to be made on XX/XX/XXXX. 

Now, when looking at the car, the engine light was on and the salesman said they would get that taken care of. I wasn't aware of the major mechanical issues it had. After taking it to XXXX the next day the car overheated and was smoking. The car ended up having a major gas valve leak. I tried taking it to shops to get it fixed but they said the car was unfixable because the previous owner didn't take care of it. 

I let the dealership know and they worked with me to get a trade-in on XX/XX/2021. That day I mentioned to them that the other car was still on the bank and they told me and my parents to not worry about or take the bank calls because they will pay off the car. 

Two months and they still have not paid. They are even trying to resell the car. And my father has been dealing with them this whole time to get them to pay for the car. On XX/XX/XXXX my father went to figure out what's going on and that day the finance worker made a check to pay for the car. 

The bank called me again on XX/XX/XXXX, I told them the same situation and let them know that the dealership sent a check to them. The worker told me he'll leave a note. 

Fast forward to Monday, XX/XX/XXXX. Bank called again they told me they have not received any check. And this time they told me if I don't pay anything they will have the credit bureau on my credit account. 

Now, I've been in contact with the bank and told them the situation and they keep telling me I still need to pay the amount. They call me at least 6 times a day. They don't ask where the car is or anything. They know I got a trade-in and that the other car is no good. It's considered a " Lemon Car '' so I'm surprised they're not trying to find where the car is or anything since technically that bank owns it. 

I'm also going to file a complaint against the dealership. I was advised by the Consumer Financial Protection Bureau that it's best to file the complaint against the dealership with the Federal Trade Commission.
Product: Credit card or prepaid card

Every single time I call customer service, someone answers and hangs up on me. When I talked to them previously, they said they may have programs to help me pay my balance. However, I contacted them at the start of when I couldnt make payments and they said they had NO OPTIONS to help me. I feel lied to and ignored, and this feels like a scam to put high interest rates on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It took 4 years to get an accurate total of the loan when I did I had been reported as delinquent even though I had been paying the loan. It reported as default when it was differed. I never stopped paying. When I did pay it off in 2016 it still to this day shows negatively on my credit report I was told it would drop off It never did. I can't have a good credit score or get any credit. Any time I dispute it it changes the date and looks like it's an defaulted loan I have had for 12 years. I have asked for help and have received none. I can't buy a house or car without high I ntrest rates.im am struggling..
Product: Credit reporting or other personal consumer reports

I looked at my TransUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit card or prepaid card

XXXX DID NOT provide me with the service expected from a car rental company. 
The car failed to start on the morning of XX/XX/2020 which was the date of the car rental return and my flights back to XXXX. I called the XXXX customer service number listed in my rental agreement to get help and no one answered. I then had to take a taxi at my own expense to the airport car rental counter where they provided me with a XXXX Emergency number. Upon calling the XXXX emergency number, XXXX sent a mechanic to fix the problem but I needed to be present physically. The mechanic took approximately 2-3 hours to reach my location which made me miss my flight. I had to purchase new flights to XXXX in the amount of {$2400.00} USD. 

XXXX provided me with a defective car and then failed to provide me with a proper, timely solution in order to catch my flights to XXXX. Instead, they made me miss my flight, which then, I had to repurchase at a premium cost ( {$2400.00} USD ). 

The company XXXX-XXXX XXXX  still went ahead and posted a charge in my Chase Sapphire Preferred account ending in XXXX on XX/XX/2020 in the amount of {$440.00} USD. I called XXXX in XXXX XXXX to get a refund for this amount to no avail. I contacted XXXX  in the USA and I was directed to contact XXXX  in XXXX XXXX to resolve the problem which I did to no avail again. 

I submitted a claim and all relevant documents to Chase to credit me in the amount of {$440.00} which Chase refused to do and instead sided with the XXXX.
Product: Money transfer, virtual currency, or money service

I am trying to get a refund of a Moneygram money order that was partially cashed at my bank. This is a process that I started XX/XX/18, and still not have resolved. I only received a credit for {$60.00} from a {$990.00} money order when I originally deposited this money order at my bank account with XXXX XXXX XXXX. Since I no longer have an account with XXXX XXXX XXXX, they can not credit me the remaining {$930.00} left on the money order. They say that Moneygram needs to make me whole by issuing me a refund for the remaining balance. I agree with this. 

I have made numerous calls to Moneygram customer service through XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also been in contact with their corporate office. On XX/XX/18, a person named XXXX from corporate told me I should expect a refund from XXXX  XXXX XXXX. I have made 4 followup calls with XXXX and left messages, and I never once got a callback. XXXX XXXX XXXX tells me they never heard from Moneygram and don't know about a refund. Moneygram has also sent me 3 letters telling me I need to go my bank branch, and have a banker call Moneygram to confirm that XXXX  XXXX XXXX did not issue me that credit. I did that twice and wasted an hour of my time and the bankers time each time. Nothing has come of it except that Moneygram says I need to do it again. On XX/XX/18, the banker even sent an email, as requested, verifying everything Moneygram asked. Followup calls to Moneygram determined that Moneygram could find no record of that email. I have a copy of that email if necessary. 

All I want is for Moneygram to refund the balance of the money order that was never credited to me. I have jumped through all their hoops, and wasted so much of my time, and still I have nothing. They have my money and will not give it back.
Product: Checking or savings account

I have a PNC Bank virtual wallet checking account ending in XXXX. I scheduled external transfers to move the money out of this account to my XXXX XXXX  account. There are XXXX major issues : XXXX ) PNC has put the limits on external transfer- not good. 
XXXX ) Even when the transfer is done or failed- the status on PNC 's side is wrong. External transfers are unpredictable. When reached out to PNC- they have no way to cancel the transfers or help me.
Product: Money transfer, virtual currency, or money service

On XXXX I sent {$2300.00} worth of XXXX XXXX from my XXXX XXXX to my Coinbase account. The transaction showed that it was successful but I never got access to the XXXX in my Coinbase account. I later found out that Coinbase does not suppport XXXX so I would never get access to the roughly XXXX XXXXXXXX that I sent. This did not make sense to me since the Transaction said it was successful. By working with XXXX support I learned that I had sent the XXXX to a private Coinbase wallet that had private keys that only Coinbase has access to. XXXX instructed me to ask Coinbase to simply send the XXXX back to me at my XXXX address ( the source address for the transaction ) since Coinbase does not support that type of XXXX XXXX. Coinbase flatly refuses to help me and they keep acting like the money is just gone. Well the money had to go somewhere and I want it back. I know that happens to other customers they serve because I have seen similar complaints on the web. Why was the transaction successfull if Coinbase does not support it? I still have access to the Coinbase address I sent the XXXX to. If I do subsequent transactions to that address will it over write the transaction I did by mistake and I will loose access to that money forever? Coinbase will not answer these questions they just keep saying they don't support XXXX and I should be more careful about what I send them next time. The XXXX  ID ( transaction ID ) is : XXXX The Coinbase case ID was XXXX. The XXXX case ID was XXXX. I am still learning how to work with XXXX XXXX. I have done other transactions that were not correct and the transaction fails ( as it should ). I am simply asking Coinbase to send my XXXX back to me at my XXXX account if they can't process it internally. They need to send my case to a server expert instead of their law department.
Product: Mortgage

I have paid off a loan and the lender Freedom Mortgage has sent me all the paperwork indicating the loan is paid and closed. However they keep reporting to XXXX there is a balance owed and when I contact XXXX XXXX of Freedom mortgage she refuses to return my calls or make the corrections. The company has made the corrections to XXXX when pressed however they have corrected XXXX then reported balance due again.
Product: Money transfer, virtual currency, or money service

Truist Bank fraud notified of unauthorized recipient added to wire transfer at XXXX XXXX XX/XX/year>. Went to XXXX XXXX XXXX, XXXX XXXX branch and worked with banker. Moved all assets except XXXX $ to new saving and checking accnts by banker as well as call to fraud at XXXX. 
Email notification from XXXX that same recipient added to XXXX on XX/XX/year> at XXXXXXXX XXXX Notified Truist fraud by phone and went to XXXX XXXX XXXX, XXXXXXXX XXXX Assured by same banker that money was secure. Banker called fraud at Truist. 
XX/XX/year> XXXX transferred to fraudulent recipient via XXXX and wire transfer from an account that had XXXX $ in it since XXXX XXXX on XX/XX/year>. 
Truist bank stole XXXX plus dollars on XX/XX/year> out of our XXXX new accounts to satisfy the fraudulent transfers they made after being notified of fraud on XX/XX/year>. They locked all our accounts and deleted pertinent records in said accounts. I have copies of these docs. They have also locked me out of my account that was receiving payments from fraud account. XXXX had ample time to secure accounts from fraud
Product: Credit reporting or other personal consumer reports

INACCURACIES!!! NOT DUPLICATE!
Product: Debt collection

I have contacted each person and let them know that was not me and that my name was incorrectly spelled and wrong on paperwork but they continue to call I have written to all of them that's on my credit file and let them know either wrong address wrong phone number or wrong name and they still continue to harass me I would like all them to be deleted off of my credit report thank you
Product: Debt collection

This collection agency is using an intimidation tactic by placing this information on my credit report to try to collect a debt that does NOT belong to me, I HAVE NO signed contracts with them, OR THEIR CLIENT. I am considering filing a lawsuit for violating the FAIR DEBT COLLECTION PRACTICES ACT For each violation uncovered and for each credit report this account is listed
Product: Credit card

Discover is charging my account for fraudulent charges that were disputed from XXXX XXXX XXXX My balance went from XXXX something to XXXX something for what they said was reversal credits. I should not be charged anything reversal fraudulent charges Please look into this for me
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX  XXXX {$34000.00} US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$8700.00} XXXX XXXX {$34000.00} DPT EDXXXX {$7700.00} DPT EDXXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> Experian : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX