23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Purchased money order for  XXXX  at   XXXX   XXXX   XXXX   in  XXXX   XXXX   XXXX  l pa in beginning os  XXXX   2017   . I submitted it for payment to   XXXX   XXXX     XXXX  for payment and it was cashed on  XXXX   XXXX     2017 a nd came back. To them as ndf on  XXXX   XXXX     2017.  Talked yo wedtern union  4  or 5 times and they said it went through on  XXXX   XXXX   2017    and thats all the info they had. Ive tried resolve the issue with   XXXX   XXXX   and no one is allowed to talk to the accounting department. They tacked on an additional  XXXX  to what i already owed and now wint ship my medicine. They lied and told me someone from accou ti g left a message on  XXXX   XXXX     2017.  I calleled  XXXX   XXXX   2017 an d yhey said theyd call that day.  Todsy is   XXXX   XXXX     2017 a nd no call fro.  Accounting. Whats the big secrect because not even customer service has a number for them. I filed a complaint with them about it today. I never heard of a money order that bounced and i need help and a quick resolution. Western  union number is  XXXX . The money order number is  XXXX .
Product: Vehicle loan or lease

Under FCRA section 609 I have right to dispute inaccurate information and request it be investigated furthermore I have the right to receive proper notification I was entitled to receive a notice of sale and right to redeem after the repossession
Product: Credit reporting or other personal consumer reports

I AM ONLY LIABLE FOR THIS DEBIT WITH XXXX XXXX XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT XXXX XXXX ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITER TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2022 in regards to my XXXX installment loans. I informed them that I had recently suffered financial due to being unable to earn income while I deal with COVID omicron here in XXXX. They entered me their " Temporary payment and interest rate reduction '' program. During this time I had also requested for my due date to change so that it would be easier for me to make my payments. The female representative said that is not a problem. 

Fast forward to late XXXX and I am not feeling well but have my payments on autopay. Then on XX/XX/2022. My FICO score drops XXXX points. 

I contacted XXXX XXXX on XX/XX/2022 @ XXXX to discuss XXXX XXXX account # XXXX. He then transfer me to a XXXX named XXXX @ XXXX on XX/XX/XXXX. 

She informs me that XXXX out of my XXXX payments was returned by my back. And I informed her that I didn't receive a letter from XXXX XXXX about the payment return. XXXX then continued to say that XXXX XXXX sent an EMAIL and tried to call. I told her that I didn't receive any voicemails or emails ( maybe they went to XXXX ). She then put me on hold to talk to her XXXX and returned @ XXXX. 

I tried to explain to her that XXXX XXXX needs to remove the 30 day late on my credit report since I was not late and had asked to change my due date in XXXX. XXXX said no and that my 30 days late accrued on XX/XX/XXXX. I tried ( close to XXXX ) explain that did everything I could to avoid ever receiving a late payment on my credit file. XXXX XXXX said to me that it's not XXXX XXXX problem. And was very insensitive to me. 

After doing some research I realized that XXXX XXXX is in violation of the Cares Act and these other laws below : In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Recently I CHECKED my credit report and found info that can't be verified and info that is not being reported 100 % correct its against the law to report any info or accounts that have-not been proven to be 100 % accurate! 

In the FCRA It clearly says that things must be 100 % accurate on my credit file under 15 us code 1681e ( b ) and 15 use 1681 ( 5 ) this data on my credit is a clear violation of not reporting reporting 100 % accurate delete this collection and fraudulent inquires FRAUDULENT COLLECTION ACCOUNT : ACCOUNT NAME : XXXX. XXXX, XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED : XX/XX/XXXX BALANCE : {$180.00} FRAUDULENT INQUIRIES Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX
Product: Mortgage

I currently have a VA mortgage loan with USAA, serviced by XXXX. These companies are refusing to recognize my XXXX XXXX disabled status which grants tax relief within the State of Tennessee. AS theses laws have been in place for a number of years! 


Attached you will find a copy of the tax bill which reflects the amount due and payable. USAA/XXXX has told me directly that I will just have to depend on the state to return this overpayment yearly! In shorth they have refused to re-evaluate my escrow using the attached bill. 


Please assist me in reducing my mortgage by not paying excessive collections of taxes not due or payable as indicated on the bill!
Product: Debt collection

I do NOT have a debt problem, nor have I ever had one. Within the last 4 days I have gotten 3 calls from this scam company by the ERC Research ; I received a call on a Wednesday after ( XXXX ; XXXX ) ; another on Saturday ( XXXX ; XXXX ) and Monday ( XXXX ; XXXX ). Their number has been pegged numerous times on XXXX notes. I would appreciate if you could eliminate these aggravating people from calling ...
Product: Credit reporting or other personal consumer reports

I am writing this complaint about TransUnion 's out-of-control and repeated negligence in mishandling my consumer reports. I have been blocked from accessing my customer credit monitoring subscription online, experiencing extremely long loading screens that ultimately lead nowhere
Product: Debt collection

Security Credit Services has failed to comply with the Fair Debt collection practices Act.

This company is in violation of 15 USC 1692b2 acquisition of location information.

( 2 ) not state that such consumer owes any debt ; the term State means any state, territory, or possession of the United States, the District of Columbia, the XXXX of XXXX XXXX, or any political subdivision any of the foregoing. I do not live in the state of Texas therefore this company can not collect a debt, force, or harass me to pay a fraudulent debt. 
Security Credit Services has also failed to comply with my request. Pursuant to 15 USC 1692 G debt validation five rules debt collector must send a written notice containing as validation ( 1 ) the amount of the debt ( 2 ) the name of the Creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 4 ) a statement that if the consumer notifies the debt collector in writing within the 30-day. That debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such a verification or judgment will be mailed to the consumer by the debt collector ( 5 ) a statement that, upon the consumers written request within the 30-day. The debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

I have requested all 5 of these rules and Security Credit Services as simply not complied which is a violation.

Within the documentation sent by Security Credit Services I have received paperwork that has a multitude of violations including 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15USC 1692E ( 10 ) and 15 USC 1692 ( d ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete this fraudulent account ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX have lied avoiding as I am told by early Warning and XXXX I have an account at XXXX XXXX and by indicating " A DUPLICATE '' on CFPB means you have an issue there for me and you need to address. NOTE, your client XXXX XXXX XXXX XXXXXXXX immigrant XXXX XXXX XXXX  XXXX were reported as fake XXXX XXXX too and got fired and currently under investigation as XXXX here on an XXXX. He cash two  XXXX escrow account checks in my name at XXXX XXXX XXXX XXXX and I reported as XXXX with det. XXXX XXXX XXXX. Also at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX loan XXXX and cover up loan XXXX are supported by XXXX XXXX of XXXX XXXX XXXX has now confessed that this is mortgage fraud under CFPB # XXXX for your review. Please release details as to any connection to my property XXXX XXXX XXXX as you will find chase confirmation numbers as XXXX and XXXX. 

XXXX XXXX  # XXXX CLAIM XXXX CLAIM XXXX CLAIM XXXX CLAIM XXXX
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

I defaulted on my loan with vault due to losing my job. They sold my debt to third party agency to collect the debt. They reached out to me through email regarding the debt. I replied to their email inquiring about making payments and what I could do on XX/XX/2024. They never responded.. They began reaching out to multiple relatives including my sister and left her a voicemail regarding my debt and personal information. I called them and asked them not to call any relatives and they stated they could not reach me. I let them know I just sent them an email and they never responded so the only reason they call different people is to threaten you and embarrass you which they did. I was crying, embarrassed and I was at work. I set up a payment plan with them and requested to only call me moving forward. On XX/XX/2024 my payment was not going to go through due to a bank issue. I contacted the agency early in the morning at XXXX and notified them that my husband will be calling them shortly to make the payment with his debit card. They stated they would add notes. XXXX minutes later they began contacting my relatives again notifying them of my debt and leaving voicemails with my name and personal information. My husband was already on the phone with them making a payment and in the mean time they still proceeded to make phone calls to my relatives. I am anxious and worried and I have no idea who this settlement company that they sold my debt to is. They are violating their rights as they are not following the law and continually make threatening calls of legal action. I would like to know who is the debt company that vault sold my loan to and if they took the time to analyze if this was a legit company. They continue to harass me and family members even though I am keeping in contact and making my payments as arranged.
Product: Debt collection

they are calling my employer and my extention at work on a daily basis. i spoke with XXXX XXXX and told her to stop calling my employer
Product: Debt collection

I pulled my credit report in XXXX and noticed an account I didn't recognize. I reached out to the company National Credit Adjusters about the debt. In a letter I sent certified mail ( Tracking Number XXXX ), I told them, I was unaware of the debt and requested them to provide notification of the debt to me with a TRACKING NUMBER and signed postage receipt acknowledging that I was made aware of this debt. I also stated that having an opening date on my report is a misrepresentation as I have never done business with this company nor received a service. I do not have a contract with nor did I authorize NCA to obtain my information. Obtaining this information without my consent is a form of Identity Theft. 

In the letter, I also asked for the Forward Flow Agreement/Original Purchase Agreement with the ORIGINAL CREDITOR signed by all parties involved. I requested this, because I have had multiple companies reach out to me about this same alleged debt. 

Finally, I stated if you are unable to provide this information, you are required to cease all collection efforts and remove any references to this debt from my credit report. 

It has been over 60 days, and I have not received any of the above requested information. I am asking that this account be removed from my credit report immediately.
Product: Debt or credit management

Today, XX/XX/XXXX, I have contacted the law office of Lloyd and McDaniel concerning a paid off balance. They advised that my account is closed and I will have to resort to XXXX XXXX to receive updated paperwork advising my account has been paid to zero. I asked XXXX, at Lloyd and Mcdaniels law office is there a way to provide this document since they mailed a document on XX/XX/XXXX that didnt state the account is zeroed out after the account was closed. XXXX giggled after this question was asked as if it was humorous. Im unsure of her profession at this law firm but she was neither helpful or bothered by my reasoning of needing the updated paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/2021 XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

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. 

Account name 1 : XXXX XXXXXXXX Account number XXXX : XXXX Account name 2 : XXXX XXXX Account number XXXX : XXXX Account name XXXX : XXXX XXXXl Account number 3 : XXXX I looked at my Transunion credit report back in XXXX and noticed some things are incomplete and inaccurate. It ranges from everything to dates being wrong, credit limits wrong, balances wrong and most importantly Payment history inaccurate. I have sent numerous dispute letters and can not get them to delete or modify the accounts appropriately. My screenshots from XXXX prove the misinformation they are spreading that remains on my credit report. According to the fair credit reporting act whenever a consumer reporting agency prepares a credit 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 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any further investigation 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 the information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are not supposed to 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 hold Transunion accountable by making them remove these accounts from my credit report and send me a copy of the updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has lead to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media while Equifax has access to all means of communication with me.
Product: Consumer Loan

they call me at work text me call all my refrences even when im less then 30 days behind they call before XXXX and constantly like 4 times when i do not anwser
Product: Checking or savings account

On my Wells Fargo account, whenever I buy groceries at XXXX online, XXXX puts the cost of the items on a hold status in my account to ensure the funds are available. This is a standard business practice. Wells Fargo refuses to update their transaction processing and debits the amount twice, especially when I am low on funds so they can collect an insufficient funds charge. I have complained about this practice 4 times to their escalation department and even in person at their local branch. Every time I am promised an answer and never receive an answer. All they say is " there are no laws concerning how fast or accurately they process transactions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never did business with these companies & there reporting on my credit profile. This is causing great finical harm and want these accounts deleted from my profile immediately. My personal information is inaccurate and has been used with out my permission. XXXX, XXXX, XXXX  is not my name & XXXX XXXX XXXX XXXX XXXX XXXX is not my name. my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX is not my address, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX is not my address XXXX XXXX XXXX  XXXX FL XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX is not my address ( my employment is not XXXX XXXX OR XXXX XXXX XXXX  these companies I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX  my request is the you delete and remove this errors from my credit profile immediately.
Product: Student loan

I have Nelnet as my student loan servicer. 

I have attended many school as this is needed to stay current in the IT profession. 
I have attended an still owe loans to : XXXX XXXX XXXX, XXXX XXXX XXXX Each one of these loans was taken out as a fixed rated loan. However, I have almost accrued more interest on the loans than the initial loan amounts. This is, I have been told because the loans are not fixed rate but Variable rate loans -- which I never agreed to. 

If there any way to erase these unfair interest fees? I have XXXX XXXX ( but work ) and a Veteran. I often get sick and have been in the hospital or out of work over the years due to my illness. 

Currently the Nelnet people, keep deferring my loan-which increases the interest. 
How can I reduce the interest rates and the loan amount? They say I own XXXX ( without interest it would be XXXX ). I can not begin to afford this amt.
Product: Debt collection

In the process of buying a home and credit report was pulled and XXXX XXXX XXXX was on there from XXXX XXXX. Account has been showing delinquent and not paid however I can not remember ever having this account. Account showing with XXXX XXXX XXXX on all three credit bureau but different last payment dates. I attempted to contact XXXX XXXX at XXXX to verify debt and spoke with XXXX XXXX at XXXX on XXXX/XXXX/XXXX. He informed me that my acct was closed as of XXXX and transferred to a collection agency First National Collections. He could not help me any farther with this debt. That is inaccurate information reporting on my credit report as it shows XXXX XXXX however, it should show on my credit report who I need to contact to verify and validate this debt or make payments. If XXXX XXXX no longer has my records then this contract is voided and I need proof of my contract with First National Collections. I am requesting a verified agreement and signature and update to my credit bureaus with correct information. If verification and validation can not be supplied I am requesting deletion from ALL three credit bureaus.
Product: Student loan

I will try not to be too winded. I did some Parent Plus Student Loans for my son that went to XXXX XXXX in XXXX  XXXX. I approved 1 that I know of. Then they would let him change my password and re-submit loan applications every year in my name. Please help!
Product: Credit card or prepaid card

Apple Card was used and made payments on that were reversed after my phone was stolen in XXXX XXXX in XXXX. My balance is XXXX $ and I never once used the card or made payments
Product: Student loan

I was contacted by Navient about the loan and they stated they would take me to court and garnish my wages if I did not pay immediately. I downgraded things at home to try to make the payment of {$110.00} per month and when I could not get work for the summer since I XXXX they started harassing me calling me 4 or 5 times a day hanging up when I answer. I told them the situation and they told me we have the right to call you since you are not paying and we will continue until you do. They even told me to go to a drug store or gas station to get a job just do n't sit there for the summer.