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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX A XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXX/XX/XXXX THD/CBNA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX A XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX increases my balances and interest on a closed account and tagged it adjustments, on XX/XX/XXXX and i lost XXXX scores XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX on XXXX .find attached the evidence attached. These adjustments were the payments I made from XX/XX/XXXX. Which XXXX XXXX XXXX reported to credit burea that I never paid then I filled a claim with my bank where they payment was deducted from my bank account but XXXX XXXX XXXX refused to respond to the bank dispute and sent me a mail to ask my banks to write with letter their letter heading that the payment was reversed in error because XXXX XXXX XXXX got a letter from Consumer finance protection bureas they want to push the blame to my bank. Since my bank refused to write the letter XXXX XXXX XXXX wanted to cover their discrepancies they increased my balance on a closed account I no longer use the card .how did the balance increase .this is a clear indication that XXXX received all my payments and still added negative remark on my XXXX and equifax only because XXXX had disputed the account and know their deliberate discrepancies. 
XXXX and equifax responded they are investigating the case since last year XXXX till date because XXXX XXXX refused to respond to my dispute but credit burea kept reducing my credit scores on this XXXX XXXX XXXX reported lies.
Product: Money transfers

Hi, I have been having difficulty sending money from my US account to my bank account in XXXX via Western Union. I regularly send money using these XXXX accounts for the last few months but my last XXXX transactions, XXXX on XXXX XXXX 2016 and XXXX on XXXX XXXX 2016 did not go through. After using the company website feature of repeating a previously performed transaction of sending money from a US account to my own XXXX account, on XXXX XXXX 2016 I received an email titled " Your transfer is being reviewed ''. On XXXX XXXX I received a follow up email " payment received '' asking me to pick up the money in person in XXXX while I had asked the money to be deposited in my account in XXXX. On XXXX XXXX I received another email titled " Canceled money transfer '' saying the company had received my request to cancel the transaction so they were canceling it. I made no such request. After the XXXX transaction was denied I called the company but did not get a straight answer about what happened or what I should do differently, just some indirect answer about an " internal validation '' not going through. The money was refunded to me thankfully without any deductions. No money was deducted for the XXXX XXXX transaction as of now. The company apparently expects me to keep on applying until one day something changes and the transaction goes through. I do n't know what that something is.
Product: Debt collection

I have sent them paperwork to prove that this account is not mine and they still try to attack me for this payment. Claim it was sold to another company but was charged off. I am confused. I asked them for paperwork like doc notes, my social security, something. they gave me a letter with info that was sold to them.
Product: Credit reporting or other personal consumer reports

HOW IS THE ACCOUNT OPEN CLOSED CHARGED OFF AND HAVE A PAST DUE BALANCE.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I notice 3 collection accounts on my credit report from SOUTHERN CREDIT RECOVERY on the XXXX of XX/XX/2020for different alleged debts of ( XXXX $ ), so I sent them a letter requesting the information concerning this account on XX/XX/2020.I also attached a copy for your viewing and assistance below.
Product: Mortgage

In 2021 the bank paid {$4600.00} in property taxes. This is a non-escrowed HELOC and I have paid the property taxes on time since the origination of the HELOC.
Product: Mortgage

Hello, I 'm suppose to receive the Frank Dodd XXXX every year XXXX more years. 
This program includes the incentive rewards for borrowers who have received a permanent home loan modification and pay their mortgage on time every month. 
A borrower should receive annual principal reduction payments in the amount of $ XXXX contacted customer service several times and they are useless. Nobody can give me a straight answer. Last year I received the incentive reward with great difficulty, but this year nothing has been received.
Product: Vehicle loan or lease

In XXXX I got a car from us auto XXXX XXXX XXXX about three weeks of having the car I start having problems. I called us auto to see what my options was on getting the car fixed. The man from us auto advise me to take my car to there shop to get it looked at but the shop has alot of cars right now he will give me a call back with more information on when they can fixed the car. So two week passed by I called only now I'm mad because now he tell me they still have alot of cars. Give him about another week not he would see what he could do to get me another car. Another week pass no call now I call him back now only for him to tell me that he not able to put me in another car because I still owed alot on the car I already have... So at this point I'm stuck with a vehicle that doesn't work correctly and I can't get out the car until I make the payments down. So I looked at my contract and noticed the amount when I got the car was different on the documents. So i called and asked he told me it's entrance fee. That's alot of fees I'm buying two cars in one ... So fast forward to XXXX since then I been paying on a car that doesn't start every time I try to start it. My car jerks when it switch gears the air went out the people can't find where the leak coming from. So I said I'm not calling this time I'm going up there. And when I got there I was surprised no cars and no one in the off. The company close down without any letters or communication to the customers that they was filing for bankruptcy. So now Westlake portfolio brought us Auto out and now I'm trying to deal with them and they clueless on what's going on because there are no documentation on what was going on and I asked for my warranty to try to get my car fixed they gave me a number now to find out the numbers out of service I'm just really lost and speechless right now
Product: Student loan

I have been XXXX since XXXX. I started at XXXX XXXX in XXXX. My loan is with Nelnet. I received an email from the XXXX XXXX saying they paid the loan. I sent Nelnet my XXXX form from Social Security verifying my XXXX. I also sent them a copy of the email from XXXX who paid the balance. Nelnet continues to say my account is past due. Now it's affecting my credit who cost me XXXX points from XXXX to XXXX. Each customer rep all have different responses some being downright unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX   Delaware ( Closed ), '' which was opened XX/XX/XXXX. I disputed these accounts with all three major credit reporting agencies but either didn't receive a response or was told to take my dispute elsewhere.
Product: Money transfer, virtual currency, or money service

I used Paypal to send money for a product/service I thought they were selling. They made me believe they were having issues with one account to receive the money so they gave me multiple other accounts to try and said they would refund my money. The person I sent this money had multiple accounts but I believe is the same person. They scammed me into thinking I was getting a product or service that I never received. I believe the accounts associated that I have sent money to have illegal activity associated with them and I believe they are committing fraudulent activity. What steps can I take to help investigate them and or try and get a refund?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The XXXX XXXX XXXX XXXX ( Account XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 602 A. States I have 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

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Debt collection

AFTER XXXX YEARS I HAVE JUST NOW BEEN MADE AWARE OF A DEBT BY CITIBANK I DID NOT KNOW OF. BACK IN XX/XX/XXXX, XXXX I HAD A FRAUD ALERT PLACED DUE TO MY EX TAKING MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I 'M IN THE PROCESS OF REFINANCING MY HOME AND FOUND OUT BY LOAN PROCESSOR OF JUDGEMENT ON TITLE OF HOME. I WAS NEVER NOTIFIED OF ANY COURT PROCEDING ' JUDGEMENT AND DID N'T EVEN HAVE A CHANCE TO FIGHT IT. FROM XX/XX/XXXX TO XXXX I DID NOT LIVE AT THE HOME. PLUS I HAD BEEN XXXX IN XX/XX/XXXX AND AT THAT TIME LIVED WITH MY MOTHER. PLUS I FOUND AN OLD CREDIT REPORT OF MINE DATED XXXX OR XX/XX/XXXX AND THIS SAME ACCOUNT FROM CITIBANKXXXX HAD BEEN CHARGED OFF AND WRITTEN OFF FOR THE AMOUNT OF XXXX I DO N'T UNDERSTAND WHY XXXX MONTHS LATER THEY WOULD PLACE A JUDGEMENT ON SAID PROPERTY TITLE.
Product: Mortgage

I have made about a dozen calls to SunTrust about the mortgage I have with them for a duplex I own in XXXX, VA ( Loan # XXXX ). More specifically, I've contacted them because of two problems : 1 ) the amount of remaining principal shown on my monthly mortgage statements is about {$10000.00} more than the amount shown when I log into the website. They tell me the latter is the correct amount but despite numerous promises to fix the problem over many months, the statements still show the incorrect/higher amount. I have no idea whether the interest I'm being charged is based on the correct amount of principal!! 

This problem likely stems from the fact that in XX/XX/2020 I signed up for the payment deferral program. I have since, as of about XXXX months ago, made every one of the missing payments and thus the correct principal amount should be exactly what it would have been at this point, had I never signed up for that program. This leads to problem # 2...

2 ) I have asked for a record of all payments made and received on the loan for the last XXXX years, including the amounts that went to pay interest, escrow items, and toward principal, along with the monthly principal balance, simply because I have a feeling the lower amount of principal they claim is correct ( about {$200000.00} ) also is too high and thus is inaccurate. Getting this record will allow me to determine whether the principal amount claimed is in fact correct. 

When I call about these issues, first, I'm passed around like a hot potato among different departments ; eventually I'm told it will be corrected, that the next statement I get will be correct, and that they will send me the record of all payments made and the monthly balance. None of these things have happened. I have since asked to speak to a supervisor but I've been told one will call me back. That also has not yet happened! I literally have spent hours and hours on the phone with these clowns but thus far, nothing has been done! I am very busy, like most people, and do not have time for such nonsense. I have been a good customer of SunTrust for a long time and they used to be a good company. However, since they merged with BB & T, everything has fallen apart. When I move back to XXXX from XXXX, I likely will close my bank account with them and get a new mortgage for the property in question. This company has become a bad joke.
Product: Money transfer, virtual currency, or money service

This is against cash app. They was not available for as customer service to handle disputes and problems with cash app
Product: Money transfer, virtual currency, or money service

I was approached by a person online who befriended me with the hidden motive of stealing. 
my funds. He invited me to a Bitcoin options trading website. Our communication afterwards moved through XXXX where they showed me how to make money using their fraudulent platform. All of the funds I wired to XXXX came from WF. Given that I have no previous involvement with cryptocurrency, I expected you to be their for me since I had no way of knowing that I was actually getting scammed. This entire situation resulted in me loosing XXXX USD of my hard-earned funds to these criminals.
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX XXXX {$420.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Credit reporting or other personal consumer reports

This complaint will include an FTC report containing 5 fraudulent accounts as well as multiple fraudulent inquiries to be blocked in accordance too FCRA 605B 4 day block in hopes that Transunion, Experian and Equifax will honor the FCRA rules as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Some of the personal information on my profile is incorrect. I request that you review all documents that have my accurate details.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

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
Product: Debt collection

I am XXXX XXXX and Im submitting this complaint myself there is no third party involved. Pursuant to federal law 15 USC 1692a ( 3 ) I am the consumer. Pursuant to 15 USC 1692g ( a ) BRITE FINANCIAL has failed to validate this alleged debt. 
XXXX XXXX at XXXX. XXXX XXXX Signed for and received a cease and desist along with an affidavit of truth and bill of Particulars to compensate i for the damages thereof. 
Upon receipt of this notice Brite Financial pursuant to federal should have ceased all communication acknowledged receipt of notice AND Invoke specified remedy by creditor which was listed in Cease and Desist pursuant to 15 USC 1692c ( c ). Pursuant to 15 USC 1666e BRITE FINANCIAL has forfeited any right to collect any amount disputed and finance charge thereof for failure to comply with requirements of 15 USC 1666a. 
As of XXXX XXXX XXXX Brite Financial is in violations of 15 USC 1692c ( b ) for contacting XXXX XXXX XXXX and XXXX about this account arranging for auto theft of my property. Brite Financial has admitted on a recorded line that they received cease and desist which means Brite Financial has willfully and knowingly contacted a person about this alleged debt. This property was paid for in full mail its my credit card pursuant to 15 USC 1602l and 15 USC 1602i. Brite Financial has attempted to take non judicial action by attempting to seize my property which is a violation 15 USC 1692f ( 6 ).
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 # : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a merchant account ( payment Processing ) with Chase. Hoping that they would be honest. I collected {$1900.00} between XXXX transactions and they kept the XXXX. I called them 3  times and they told me they would return the money from XXXX to now. they still havent return the money. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  and to be out XXXX has caused my family alot of grief. I like chase because they have been a good bank to me but to hold on to my money for XXXX  month is crazy. I went into the bank and they said another department handles this. Kindly return my money