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

I sent {$9500.00} to XXXX XXXX on XX/XX/2022. He lives in XXXX. I live in the US. This was for a trip we had planned with our families in XXXX. After doing a lot of research, we felt like Paypal was the simplest way to send the money to him so he could book everything for us, given the language barrier. After sending the money through Paypal, Paypal has decided to close his account. They will not refund the money to me or give him access, so {$9500.00} just sits there for the next 180 days. There are 4 of us going on this trip with our kids, one of the other people in our party also sent a payment for his portion, Paypal has done the same with his money, so $ XXXX is just sitting there for the next 180 days. They wont talk to us, they wont give us any information other than its just closed and there is nothing we can do. I have called numerous times, conferenced XXXX in on the call with Paypal to confirm this is all above board, but they wont budge.
Product: Debt collection

After reviewing my credit report, I recently requested validation of alleged debt with the company. I received the original contract with my signature, payment plan, payment history and a detailed treatment plan. Upon reviewing all medical documents from the company, Allied has not provided proof of the requested HIPAA release form signed by me for XXXX XXXX to release personal medical documents, such as detailed treatment plans, to Allied Collection Services and is a HIPAA violation.
Product: Credit reporting or other personal consumer reports

I am writing to request a formal re-investigation of the debt that remains on my credit report, which I previously disputed on XXXX XXXX XXXX Despite my request for the removal of this inaccurate information, the item in question has not been corrected. The account details are as follows : Reason for Dispute : I have not entered into any business with this company and I have not given this company permission, verbally or in writing, to post any information in respect of my personal matters. 
In your response to my original dispute, you stated that the debt was verified. However, I have not received any explanation of the steps taken to verify this information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to understand how this verification process was conducted. 
Therefore, I am requesting the following : 1. A detailed description of the procedure used to verify the accuracy of the debt in question.

2. The name and contact information of the party or creditor who provided the information used for verification.

3. All documentation that was relied upon in verifying the debt, including any contracts or agreements associated with this account. 

Account Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

What occurred within my credit file is somehow someone reported the balance of my XXXX XXXX credit card prematurely outside its noraml 30 day reporting cycle. I keep track of when my credit cards are reported each month. XXXX XXXX does not report my credit balance until the XXXX ( sometimes XXXX ) of each month. Credit card companies " do not '' prematurely report credit card balances. There is no valid reason to do it, there are no benefits for doing it. Period. 

The XXXX instance represents the second time this has occured in my credit file. Months ago it occurred with my Experian credit file with one of my other credit cards. It was prematurely reported 21 days ahead of schedule causing my credit score by XXXX points. Now in this new case with XXXX, my credit score has instantly dropped by XXXX points. 
I work very hard to move my credit score northward and keep it from dropping so it is unacceptable for my score to drop because my balance was prematurely reports. I pay my balances off each month prior to the accounts being reported, or very close to zero. 
What I know so far is : 1 ) When I contact the credit card companies, XXXX in this case, they emphatically state that they did not, and do not prematurely report balance, which implies that the CRA was responsible somehow 2 ) What is also a pattern when it has occurred - it's always isolated to only 1 CRA. In other words the update to my XXXX file, only occurred the. The same was true when it happened with Experian. Never did it affect all XXXX bureaus. 
I will get to the bottom of the issue, even if I must take Experian & and/or XXXX to court to prove they are responsible for the updates. 

So what is the implication : - it's against the law for CRAs to self-report - When a CRA reports a consumers credit data without he actual data furnisher, it represents a violation of the consumer 's privacy. It's the same as a data breach, and affords heavy penalties. If XXXX or Experian who may have intentionally done this, for their own purposes, and then claim it was the creditor who did, and then respond back via the CFPB portal and to me they were not involved, then they have not committe fraud, not to be taken lightly. I understand why an XXXX or Experian whould choose to deny involvement, however do understand I will og after you in court for fraud and other violations!
Product: Credit reporting or other personal consumer reports

Immediate Correction of Consumer Report : If my nonpublic personal information has been shared with nonaffiliated third parties or inaccurately reported due to XXXX XXXX  non-compliance, I request that Equifax immediately correct any inaccuracies or remove any incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously deleted accounts continue to be furnished on new reports without new or accurate information. Should be permanently removed per FCRA requirements. 

Accounts closed and deleted as a result of COVID 19 Natural Disaster reappearing on report. 

Continue to report inaccurate account balance after statement was provided. 

Anything thats been disputed in last two years had made its rounds of reappearing with no new relevant info. Credit score has been a roller coaster.
Product: Credit reporting or other personal consumer reports

I have submitted multiple credit disputes to Experian, XXXX, and XXXX in regards to a student loan balance that's showing on XXXX. This consolidated student loan was supposed to be completely forgiven, all payments returned, and removed from my credit reports by XX/XX/year> as outlined by the XXXX XXXX XXXX settlement agreement but XXXX refuses to remove the balance. When I communicated this to the credit reporting agencies with the evidence that shows it should be removed from my credit they refuse to remove it from my credit report stating that the debt is correct.
Product: Credit reporting or other personal consumer reports

I have requested on XXXX occasions in XX/XX/year> that Equifax delete and update my correct address to the followin below and remove the incorrect address that is on my credit report. 

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

I submitted a letter to the 3 Credit Bureaus XXXX to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT, and I'm including it again. 
DP OF EDUC XXXX Balance Owed : {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I have no idea where some of these inquiries come from. Ive tried contacting the companies but were in able to have them resolved. The following inquiries are : XXXX XXXX XXXX XXXX2021 XXXX XXXX XXXX XXXX2021 XXXX XXXX XXXX XXXX-2021 XXXX XXXX  XXXX-2021
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX. They facilitated a loan from Fifth Third Bank for XXXX dollars. 

Since then I don't know my loan amount number, I've not been sent a contract or any paper work. I've seen nothing, I don't even know the balance on the account. 

It is mpossible to contact Fifth Third bank. I have called, emailed and written ; they do not respond. In the last week alone I've called everyday and spent at least thirty minutes on hold each day. Calling multiple numbers and branches and no one picks up. 

The only time contact is made is when they call to collect a past due balance plus late fees. Late fees the bank causes because it's been impossible to make on time payments due to their refusal to communicate. When they call they never leave voice mails, so I have to hope I don't miss the call. 

The attached pictures are the only information I have of the loan.
Product: Mortgage

J.P. Morgan Chase provided out of date information regarding refunds on upfront mortgage insurance in regards to my FHA loan. The FHA Homeowners Fact Sheet paperwork they send is over 14 years old ( XX/XX/XXXX ) and the current version that includes the update to the eligibility for a refund of upfront PMI costs was updated in XX/XX/XXXX. Due to the fact that they did not provide accurate information I was left believing that I could get a refund of my upfront premiums if I refinanced to a conventional loan within the allotted time period. I even tried to refinance through them, but due to a horrible customer experience I ended up refinancing with another lender, and this makes me even more happy that I did. The update in XX/XX/XXXX only allows a refund now if you refinance into another FHA loan ... thanks for nothing Chase.
Product: Student loan

NAVIENT has change my Federal Student Loan to a Personal Loan and they are trying to send my loan to a collection agency, even though my other loans that Navient has on their books are in Forebearance
Product: Student loan

I am writing to formally request a discharge of my student loans due to school misconduct associated with XXXX XXXX - XXXX XXXX - XXXX, which I attended from XX/XX/XXXX to XX/XX/XXXX. I believe that I qualify for a loan discharge under the grounds of school misconduct as the institution engaged in fraudulent and deceptive practices. I am still being contacted by the private student loan provider Navient. I still have balance of {$3500.00} thats attached to a loan that was XXXX.
Product: Vehicle loan or lease

The vehicle was taken over 18 months ago, and was sold yet the balance is still showing on my credit report for the remaining balance that I owed which is {$14000.00} yet I brought the car for {$15000.00} and made payments on the car for over 2 years. Steward Financial Svcs is a rip off finance company. The took the car that had my pocketbook in it with over {$10000.00} that belong to a friend.
Product: Credit card or prepaid card

I closed my USAA visa card  XXXX it continues to report open an even chose the old XXXX plus balance on the credit report I contacted the bank to tell them that the account should be closed and they sent me a new replacement card and just reported the card with a balance of XXXX plus this card is closed and has a XXXX balance and it's getting very annoying with the XXXX also pulling my credit when I don't want a new card sending me a replacement card and a replacement debit card when I closed my accounts with them I have closed all my accounts with this bank and XXXX  out all my balances they continue to harass me with reporting information incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

I've emailed the company numerous times about a glitch in the system that wasn't able to verify my identity. I've had this account for over a year there shouldn't even be anything wrong with this account considering verifying identity, as a result they are intentionally causing a derogatory mark on my credit by not responding to any messages for me to even pay off this account.
Product: Credit reporting or other personal consumer reports

theres 10 unauthorized hard inquiries on my credit report & I would like them to go ahead have them removed immediately the following companies are : XXXX XXXX XXXXXXXX CAP ONE NA CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I did not authorize consent to nor benefit from any of the following account ( XXXX ). Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue of Equifax reporting and sharing this erroneous information has persisted for a very long time even though the information is being reported under my Satisfactory Accounts History. The Account was closed by me XX/XX/XXXX ( XXXX XXXX XXXX ) has and is reporting that the account was closed in XX/XX/XXXX. My requests to Equifax has gone unaddressed they sent me a Notice that my Credit File was being placed under Fraud Alert and XXXX XXXX and XXXX would also receive a Notice. This was and is done without my " REQUEST or AUTHORIZATION ''. XXXX XXXX and XXXX both have removed the over 10 years history from my Credit File and again I want Equifax to do the same as soon as possible and end the erroneous and incorrect reporting..
Product: Checking or savings account

On XX/XX/2022 a yearly subscription payment caused my Chase Checking account to drop below {$1500.00} which is the minimum needed to not incur a monthly service fee. 

I do not use this account regularly, and only noticed today, after 6 months of XXXX XXXX monthly service fees have been taken. 

No attempt to contact me to make me aware of this fee was made at any time, as proven by the lack of messages in my account. 

Fees at this level, and with zero attempt to contact the customer is blatant exploitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

17. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

18. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

19. there is some inaccurate information reporting. 
XXXX XXXX  Account XXXX : XXXX Delete this account. 

20. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

21. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not investigate an account on my credit profile for XXXX XXXX XXXX this is not my account and I have never had an account with them
Product: Checking or savings account

XX/XX/year> to present Received incorrect overdraft fees despite having funds in the account. 
Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

1. I scheduled an international wire transfer on Friday, XX/XX/XXXX thru online banking account provided by JP Morgan Chase website in the amount of {$1000.00} ( XXXX XXXX XXXX dollars ) with a promise the funds will be available to pick up on XX/XX/XXXX. 
2. The transaction was posted on XX/XX/XXXX as bank statement shows and transfer fee of {$40.00} ( XXXX XXXX dollars ) was taken. 
3. Receiver did not receive funds and visited bank-recipient in person at the end of XXXX. 
4. Bank-recipient confirmed that the transfer is not received and sender should contact bank-sender. 
5. My first attempt to resolve the issue was made by phone at the end of XXXX ( do not remeber the exact day ). Customer service representative said that they will start an investigation and will let me know about results in a few business days. 
6. In about 10 calendar days, on XX/XX/XXXX I filed an inquiry thru secure message center by online banking account. 
7. On XX/XX/XXXX I got an update for my inquiry saying that Chase received a massage from XXXX stating unable to apply the transfer as beneficiary account is closed and money on the way back. 
8. On XX/XX/XXXX I got a message from Chase where the bank informs me that they will be trying to send money again and it may take up to 90 days. 
9. In XXXX I received a response on paper from Chase by mailing address which says that the transaction is complete, Chase will not return the money or send it again and bank will not do any further actions. 
10. I made another inquiry thru secure message center on XX/XX/XXXX and explained that money is still not received. At the same time I also made an official request by online form to bank-recipient and ask to provide as much information as they can about the transfer. 
11. I got a response from bank-recipient quickly where they confirmed : - Chase contacted bank-recipient on XX/XX/XXXX - Chase was provided all information needed about bank-correspondent ( it was NOT XXXX ) - XXXX stopped working as a bank-correspondent with the bank-recipient in XXXX, XXXX  - either the bank-recipient or the bank-correspondent did NOT received the transfer 12. I made a certified and notarized translation of the response because it was not provided in XXXX. 
13. I made a final attempt to resolve the problem with Chase in XXXX by filing another inquiry and explaining the situation after I received the response from the bank-recipient. Chase answered that they already made a final decision and will not do any further actions. 

In conclusion : 1. Chase originally sent the funds to a wrong bank-correspondent. 
2. After they realised their mistake by getting a message from XXXX, thay tried to send money again correctly but at that time the bank-recipient stopped working with any transfers nominated in XXXX dollars ( checked attached newsletter ), so Chase was NOT able to finish the transaction successfully. 
3. JP Morgan Chase Bank HAS STOLEN MY MONEY!
Product: Consumer Loan

A problem happened with the allotment I had set up and it stopped, so I got behind in payments. They agreed to refinance so that I could get current but for the past XXXX years all the payments I have made have gone only to the interest. And they told me today that I am XXXX dollars behind and the total balance is XXXX. The total original amount was XXXX. When I requested a copy of my loan documents they refused to send them. When I tried to access the documents through their website the site only comes up with an error message and directs you to contact Pioneer via phone or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 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 am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a XXXX XXXX  violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX