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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It May Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) 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  There should only be XXXX address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. Self-employed XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to advise the company I currently stayed between to addresses at the time and my information was misplaced or stolen during the time I was living in to places and I noticed this hard inquiry on my account I called in to have the issue removed and the school representative was very rude and stated she wouldn't be able to further assist me with the removal of this issue and the only way it would be removed is to pay the balance due never gave my personal consents to the school to run my information through there system and never attend the school I am a full time employee don't have time for schooling have been for years and I am a bet upset that due to my information being on file I can't remove something that wasn't accurately me apply for the student loan or schooling process school is a scam and they lead a lot of people wrong I never wish to do business with this school or company I am in California I don't know anything about the schooling or the INS and outs that come with this school and there background just know when I reached out to be further assisted the company was rude and pushy and couldn't advise me to do nothing but pay the bills due that aren't mine
Product: Debt collection

Something is not right about Portfolio Recovery Associates filing a XXXX. In XX/XX/XXXX I learned by viewing a XXXX XXXX XXXX filing that I was being sued by Portfolio Recovery Associates to pay an alleged debt. I responded to the small claims court filing with a defense document submitted after spending hours of my time learning how to do this. I was never served anything, one of my defenses. The alleged debt was a XXXX debt with known interest charge issues so I questioned the balance owed. However, the only option available to me after my response to the lawsuit filling was that I had to attend a mandatory mediation with a legal representative of Portfolio Recovery Associates. I was not prepared to defend myself. I agreed to a {$25.00} per month payment plan. Eventually the loan was paid off and satisfied. ( Payments stopped at some point with no further communication from PRA. ) It was when I received a C-1099 form submitted by Portfolio Recovery Associates I learned that the company discharged the alleged debt in XX/XX/XXXX. How can they discharge a debt that was paid off? How can they have this as my " XXXX XXXX XXXX XXXX '' debt on their books in XXXX? I also have a XXXX XXXX XXXX filed XX/XX/XXXX. It is essential that my tax filing is as accurate as possible. In the XXXX federal tax filing I am able to use the form to essentially discount the alleged debt amount and I should not be liable for a settled debt income because I paid it off. ( Plus both owed state and federal taxes from XXXX to present period makes me " insolvent ''. ) It looks to me that PRA had me on its books as a debtor. Did the company represent to the IRS that I was in debt or had a discharged debt? I am working with a tax attorney to resolve my federal tax lien and my state tax debt. Please help me identify what may be wrong. Did PRA submit a false claim to the IRS?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX  Balance : {$9700.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered several fraudulent inquiries on my credit report that I did not authorize : Bank Of America XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX
Product: Checking or savings account

On the XXXX of XX/XX/2021 there was an unauthorized atm withdrawal for XXXX dollars on XXXX XXXX XXXX, I noticed it three days later and filed a dispute. On the XXXX of XX/XX/2021 Wells Fargo closed my claim without reaching out to me to ask me questions like they said they will.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I'm filling this complaint against Western Union. On XX/XX/2021 I received two confirmation emails from Western Union that my online transfers were successful. I was shocked and flabbergasted since I did not authorize any such transactions. There were specifically two transactions : one transaction for {$990.00} and another transaction for {$650.00} totaling {$1600.00}. The transactions were sent within minutes from each other and sent to the same person and location in XXXX, XXXX XXXX. I promptly called Western Union to inform that I never initiated the transactions. I was informed by Western Union that since the money had already been picked up there was nothing they could do. They simply gave me some useless reference number from Western Union and advised me to contact local law enforcement. In essence Western Union through neglect, complicity or poor oversight transferred {$1600.00} from my checking account at XXXX XXXX to unknown parties in XXXX. I demanded that they refund me my money and they refused to do so and kept telling me that they were not a bank and are simply a money transfer service and that therefore they were not responsible for these kinds of issues especially when the money was already picked up. I find this totally unacceptable and dishonest. How can Western Union illegally transfer money from my account to criminals or maybe their own employees and claim immunity from this? Although I was refunded through my bank ( XXXX XXXX ) I still feel obligated to denounce these types of dishonest, abusive and criminal business tactics. Please do everything you can to investigate this matter. It looks like Western Union has been conducting these types of disgraceful activities for too long and they need to be held accountable for their actions. Thank you.
Product: Bank account or service

In XXXX 2015 I bought a foreclosed property owned by U.S. Bank National Association. We closed on the house on XXXX XXXX, 2015. Upon Inspection of the Settlement Statement ( HUDXXXX ), it was discovered that there was an error in how the prorated property tax was figured and I was shorted by about {$260.00}. I have been in touch with the settlement agent XXXX XXXX XXXX XXXX on several occasions. They acknowledge the error and they have said that they have referred the matter to the seller ( U.S. Bank National Association ) for payment of the amount they shorted me. However, After more than 5 months, I have not received the payment due me. I am attaching a copy of the Settlement Statement and copies of all emails between me and the settlement agent documenting all our interactions regarding this matter.
Product: Credit card or prepaid card

On XX/XX/2018 at XXXX I spoke to the customer service department for my Walmart Credit Card which is funded by Synchrony bank. I informed the representative that I was not happy with my credit card account and I felt that something unfair was going on with the card because I have not used the card in several billing cycles and I also make payments that are over the minimum amount requested.I noticed that in spite of not using the card in several billing cycles and making more than the minimum payment the available credit on the card is not increasing with each posted payment but actually decreasing. I explained to the rep that I have really good payment history and that I don't feel this is fair to do to me and to please see if their is something she can do with the APR to help me out so when I actually pay my bill I should have available credit to use. Their rep responded with " We don't help out anyone with their interest rate '' " It just takes time to pay off '' That seriously is the dumbest answer and biggest lie that I have ever heard. None of my other accounts with other institutions do this. I feel the company is basically stealing from me.
Product: Vehicle loan or lease

On or about XX/XX/XXXX  i was approve for a loan with wells fargo that suppocely be a total of $ XXXX  and or about XX/XX/XXXX I notice the loan term change from XXXX to XXXX and a new apr change added to the loan and I was Discriminating against because of my nationality -XXXX and race -XXXX by the responder for changing the loan agreement and for charging me more then higher than XXXX with similar loan qualifications
Product: Student loan

I've tried to resubmit information for an income-based repayment plan but the website keeps getting an " error '' and I'm unable to submit the proper information. 

My student loans jumped from {$150.00} to {$270.00} to {$670.00} dollars in the last 4 months. 

I understand that I believe I was on an income-based repayment plan but Navient must think I'm making more money. 

I'm currently working part-time and not able to afford a $ XXXX  monthly bill.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to XXXX. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

1. Actual Damages : - Cost of legal representation : $ XXXX - Loss of productivity and time : $ XXXX  - Emotional distress and inconvenience : $ XXXX  2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ XXXX  Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was on XX/XX/2019 I have not used any web sites or business facilities that my SSI number was used. I reached out to this company on XX/XX/2019 and was told that XXXX XXXX would be the best way to handle this issue. I spoke with XXXX XXXX XXXX. ( employee number )
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {XXXX}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT
Product: Money transfer, virtual currency, or money service

I have a online account with MoneyGram to send money. Something happened on my account and MoneyGram close my account without give me right to appeals his decision. And tell me I cant use his online service anymore. 
I want to fix this issues and MoneyGram can allow me to use his online services.
Product: Vehicle loan or lease

i paid off my chase auto loan early and payment processed on XX/XX/XXXX. today is the XXXX and they refuse to notify the state of florida that it is paid off. i have called them 4 times, and every time they tell me a different lie than the previous call. i can't sell the car without a clear title. today they told me they would do it on the XXXX!! 2 calls ago they told me it had been done already!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed claims despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is related to the false payment reporting on my credit report for XX/XX/year> I have already called previously and spoken to a customer agent a year ago to have the reporting of this late payment changed to paid on time and was told it would be updated to on paid on time. I distinctly remember speaking to a customer service agent overseas about the fact that that payment was supposed to able set on auto pay and I was unaware the system glitched and didnt allow the autopay to upload. 

I called about the reporting of this late payment and was told by a customer service agent overseas that this would behuldate to paid on time. It is not my fault if XXXX decides to hire people overseas for pay cuts who might not completely what I am saying but that is not the consumers fault! You cant expect to hire people with XXXX as a second language and then allow to make mistakes like these. I was recently denied an apartment and am now homeless due to the false reporting of this late payment! I will sue XXXX  if this continues further. I either want this updated to pay on time as I have no other late payments or changed to no data for that month. But under no circumstances should you guys keep reporting this false information. There is absolutely no proof that this payment was deliberately paid late and it is the only one. This is completely ruining my life and causing major hardship. I should not be homeless while employed because my credit is getting demo. Update it asap or I will have to look into legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a loyal customer with XXXX XXXX for years. 

Upon reviewing my XXXX, XXXX, and Equifax credit reports, I observed a missed monthly payment in XX/XX/2022 is listed as a missed payment. 

In XX/XX/2022, I was out of work due to having a XXXX XXXX. I was home recovering which led to financial hardship during this time. Ive had great experience with XXXX XXXX and my goal is to maintain the relationship weve built over the past few years. 

My account history indicates that the past due balance was paid as well as the resulting late fee approximately 15 days later. Further, I have since made timely monthly payments and my account remains in good standing. I realized I made a mistake in falling behind 31 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am a victim of ID THEFT XXXXXXXX XXXX XXXXXXXX SHOULD NOT ME ON MY CREDIT I HAVE ATTACHED FTC REPORT XXXX ACCOUNT NUMBER
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 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 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: Vehicle loan or lease

I went to Porsche in XX/XX/2018 to by a XXXX. I ended up leaving with a XXXX XXXX, called two hours later and said I made mistake and could I return the car. I led to believe that with in hours on a weekend that the payoff on my car was already done and the title was in my name. There was no way this could had happen. Porsche waiting 3 days exactly to decide to cancel the deal on the XXXX and get me into the XXXX, which wasn't the case. Instead they treated it as trade in, gave me less for the car. Then hid the negative equity in another vehicle. I was told I could refinance through Porsche Financial Services, for lower interest rate to lower my payment. This also was not true. It was not disclosed I was trading in the XXXX.
Product: Debt collection

I received a letter from Alliance One Receivables Management Inc, saying that I owe the Florida Department of transportation toll-by-plate {$130.00}. This is not my debt. If this is my debt I would like proof. I just renewed my registration in XX/XX/year>. If indeed this was my debt I wouldve not been able to renew my registration. 

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

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX