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

On XX/XX/XXXX, of XXXX I had a property closing at XXXX. Unfortunately, the email was hacked and the wire information provided was part of a scam or a fraud, meaning it was the wrong ones. I took the wrong wire instructions with the wrong information and I proceeded to deposit XXXX wires from my bank Wells Fargo to XXXX XXXX ( receiving bank ) .First XXXX was for {$37000.00} and the second was for {$12000.00} to complete the total amount of {$50000.00}. As soon as we noticed at the closing table that I was being a victim of a fraud we began to call the bank to stop this process because we notice the money was still pending at that time which was around XXXX. The bank couldn't do much because they were almost closing. We was instructed to go to the branch the next day which was XX/XX/XXXX, so we did. Unfortunately, they haven't being helpful at all, the bank is doing the bare minimum and I do not feel their support. They just made the XXXX recalls for each wire and gave us the case number, these are XXXX and XXXX and up until today XX/XX/XXXX, we have not obtain any result or answer from their part. Additional to all this I contacted the XXXX department XXXX XXXX XXXX to reject this fraudulent transaction twice, first on XXXX, XXXX and then on XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. Transunion, XXXX and XXXX had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK TRANSUNION, XXXX AND XXXX TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX ON IT. 
I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my righ t AND for Navient to be deleted from all 3 agencys, Transunion, XXXX and
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights. 

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 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 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently informed that there is negative information being reported by Credit Bureau under my social security number. On XX/XX/2020 this account XXXX XXXXXXXX XXXX in the amount of {$3300.00} was reported to my credit report. Please advised that this reporting is incorrect, error, or fraud.
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've contacted XXXX XXXX XXXX XXXX XXXX told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Repair the accounts stated below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022, my homeowners insurance paid out of my mortgage escrow account in the amount of {$2100.00}. Shortly thereafter, my underwriter ( XXXX XXXX XXXXXXXX ) informed me that my payment was overdue and that the policy was going to be cancelled. 

I reached out to them ( the underwriter ) and told them I saw the payment leaving my account for that policy, but they claimed they never received the check. I first contacted Chase bank to clear this up in mid to late XXXX. The underwriter requested documentation of the bulk check they had paid along with all the policies paid on that particular check, including my own. 

Since then, I have followed up with Chase not fewer than 5 times and my insurer has still not received any documentation from the bank proving that they paid the policy. I have had to pay out of pocket to keep my home insured while over {$2000.00} from my escrow account goes unaccounted for.

Chase insists they have faxed this information to my insurer several times. The insurer received no such fax, and has received numerous other faxes during this period ( indicating their lines are functioning ) and has confirmed the number that Chase should be using several times. Chase also promised to mail me a hard-copy in the event that the faxes continue to fail. I never received said hard-copy.

I have no idea whether Chase or my insurer is at fault for this payment initially being missed, but Chase has shown no urgency to help resolve this situation and has left me having to pay double for this policy.
Product: Debt or credit management

Entered into a payment agreement with the debt buyer and not original debtor, paid certain amount and did not continue in which a garnishment was issued by the debt collector. Stipulation from the court was satisfied, company still haven't removed from my credit or closed the account, stating additional fees are owed.
Product: Debt collection

On XX/XX/XX/XX/XXXX Paragon Revenue group agreed in response to consumer financial protection bureau complaint number XXXX to remove their collection from all credit reports and from their account. They are also responsible for notifying the original creditor of the complaint and the debt resulting from Identity Theft. Paragon Revenue group has failed to comply with its agreement. The collection is still on my XXXX and XXXX credit reports. With this complaint, I request that Paragon Revenue group comply with its original agreement to remove and block this debt and collection from my credit reports as well as provide me with proof of the notification and information sent to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to Experian, XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : 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: Credit reporting or other personal consumer reports

I been requesting XXXX to removed Credit acceptance account from my credit file. The account was a joint account, was paid in full and never surrendered or foreclosed. It should be removed from my credit.
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 My name is XXXX XXXX XXXX , and I am writing to formally dispute certain accounts that have been inaccurately reported on my credit report. Upon reviewing my credit report in XX/XX/XXXX, I noticed that the following accounts should not be reflected in my credit history, as I have no knowledge of them or the balances reported are incorrect. Please find the details of the disputed accounts below : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Status : Unverified 2. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2100.00} Account Status : Unverified Under the Fair Credit Reporting Act ( FCRA ) of 1970, I have the right to dispute any incorrect or unverifiable information on my credit report. The FCRA mandates that credit reporting agencies must verify the accuracy and completeness of the information reported. If they can not verify the information within a reasonable time frame, it must be removed from my credit report.

I refer to the following key sections of the FCRA that support my dispute : Section 609 ( 15 U.S.C. 1681g ) : The right to obtain a copy of my credit report and to dispute any incorrect or incomplete information.

Section 611 ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information within 30 days. If they can not verify the information, they must remove it from my credit report.

Section 605 ( 15 U.S.C. 1681c ) : Limits the amount of time certain types of negative information can remain on my credit report ( e.g., unverifiable accounts must be removed if they can not be verified ).

I kindly request that you investigate and remove the accounts listed above, as I have no knowledge of them or, in the case of the XXXX account , the reported balance is incorrect. If you are unable to verify the information within the 30-day period required by law, I expect that appropriate measures will be taken to correct my credit report and remove the referenced accounts.

Attached to this letter are the documents that support my dispute. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction of my credit report soon.

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Retaliatory Credit Reporting Kikoff I am filing a formal complaint against Kikoff for what appears to be retaliatory credit reporting practices and failure to respond to my pay-for-delete request. 

On XX/XX/year>, I received an email from Kikoff regarding my prior dispute with the Consumer Financial Protection Bureau ( CFPB ). I immediately responded to this email the same day, requesting a pay-for-delete option for the {$55.00} balance, but Kikoff failed to reply . Instead, on XX/XX/year>, I woke up to a XXXX drop in my credit score.

Since disputing this account with Kikoff, my credit score has declined from XXXX to XXXX. Kikoff also made significant, unexpected changes to my account : Increased my credit limit to {$750.00} Reported a {$30.00} past-due balance Marked the account as charged-off Added five missed payments to my credit report These actions occurred after I engaged in a good-faith effort to resolve the account and appear retaliatory in nature. Under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, lenders are required to report information fairly and accurately. However, the sudden escalation in reporting negative marks after my dispute raises serious concerns about the fairness and legitimacy of Kikoffs actions.

I request the CFPB to investigate Kikoffs handling of my dispute, their failure to respond to my pay-for-delete request, and the potential retaliatory impact on my credit. I also seek an immediate correction of my credit report to reflect fair and accurate reporting.
Product: Vehicle loan or lease

I mailed in IRS forms XXXX, XXXX, and XXXX to GM Financial to discharge the debt of my 2018 XXXX XXXX on XX/XX/XXXX. I never recieved a title and called them to find out why. An agent said on XX/XX/XXXX that they had not recieved the forms so I emailed them. On XX/XX/XXXX I checked to see if the forms were recieved and an agent said yes they had them and my title would be in the mail that day. I should recieve the title in 10 to 15 business days. I called again on XX/XX/XXXX and an agent said that I still owed and she was not familiar with the forms. I asked if she could fiward the forms to their legal department and she said she walked them over there personally. After this call I continued to recieve calls for payment and I asked another agent if their legal department had a response for the forms sent in. The agent said that there was no legal department. And then another agent said that there was. So since I got the run around I said I would cease payments until I heard from the legal department about the documents sent in to discharge the debt. I also informed the agent that I would pay if my car ended up on the repossession list to avoid repossession and I was told that I was not on the list. Well, my car was repossessed on XX/XX/XXXX. On XX/XX/XXXX I called off work and found out everything that needed to be done to retrieve my car. I informed them of not being able to miss more than two days from work due to being on probation. And that I would need a third party to pick it up because I work way north and the car is way south. They told me what I needed to do to get the third party approved and they said I had to sign another letter stating I did not have legal representation to get my car released. I did these things and once they were done they said I could be the only person to pick up the car and I was forced to write another letter saying that I am obligated to pay this debt according to the contract and will pay it. I had to sign and date it or else the car would not be released. I feel like I just got extorted to pay a debt that was legally discharged before I signed and dated a paper that makes me responsible for a debt already discharged. I could not pay to release my car until this was done. So I did it and paid Friday XX/XX/XXXX. I scheduled an appointment to pick up the car Monday XX/XX/XXXX at XXXX and it was cancelled due to the release papers not being sent to them in a timely fashion. Today Monday XX/XX/XXXX I was informed by loss prevention that the release papers were just sent in this morning. Now I am forced to pick up my car tomorrow at XXXX and jeopardizing my job because I have to take off again to go get it. Even though I sent in everything they asked for to have a third party do it.
Product: Payday loan

I applied for the loan. When I asked them if the {$500.00} fee was a XXXX time fee they said yes it was a XXXX time fee. They asked for my credit card information so they could take out payments. they charged me {$500.00} for my XXXX payment on XXXX XXXX and recharged me {$500.00}. The person I spoke to never said that they were going to charge that monthly till the loan was paid off with their montly fees. If I would have known that I would not have taken the loan. for them to take out payments was XXXX think to take back {$1500.00} which would have been the {$1000.00} loan and the {$500.00} finance fee, but they are chargeing {$500.00}. I found that part out after I called them back after the first tofindo out why the loan had not gone down any and why there was another {$500.00}.
Product: Credit card

due to being sick with XXXX i was unable to make several payments to my credit card with capital one. my card was then restricted. i then made an arrangement to make 3 payments in 3 consecutive weeks to get my card under limit and it will unrestrict my card. once i called to ask to get it unrestricted they so " no im sorry we cant do that but what we will do is make you pay another XXXX payments and then we will unrestrict your card. " So i made one more on time payment above my minimum and had it set up on auto pay. I made a mistake on there Mobile app with one digit off on my account number. once notified 3 days after the due date that the payment was not processed, i called immediately to make my payment over the phone. they then told me that the arrangement will not be honored, and that i have to continue to make my minimum payments with out paying my account in full in hopes that another arrangement may be offered to me but no promise. so now they have me in a position that if i pay my full balance my card will be shut off, or continue to make my minimum payments and pay the interest in hopes of them offering me a offer of unrestricted my card.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting two medical accounts that were already paid before going to collections. but they still continue to report them. XXXX XXXX account numbers XXXX and XXXX should have never been reported. Experian is the only credit report showing these and it is killing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I do so. Per FCRA section 605b Credit Reporting Agencies are required to block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX 12 XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}