23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This morning I received an XXXX  notification about a debt collection opened against me on XX/XX/XXXX, for a {$77.00} balance supposedly owed to XXXX XXXX ( XXXX ). 

I've been a client since XXXX with XXXX XXXX XXXX ( now XXXX  ) and I've NEVER owed anything to them. I have my payment settings on AUTO PAY so there's not a chance that I couldn't have paid an internet bill. 

I do not have TV or telephone with them, I've only hired nternet services all this time. In fact, I've already had a similar issue with the same company a couple of years ago. They initiated another debt collection that had to be removed because it was incorrect. 

I don't know if maybe there is someone with a similar name to mine, but this debt collection definitely does not belong to me. I have PROOF to support my statement, and hence I'm attaching the last balance statements from Spectrum since XX/XX/XXXX that show I owe NOTHING. Even my account page on their website home page reflects a {$0.00} amount due. 

Hence, I am opening a dispute of this collection to publish this information and make this go away since it is damaging my credit, name, image, and credit history that has been impeccable for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that on XX/XX/2018 Equifax was mistaken or outright lied to the CFPB in CASE XXXX in their response OR that information has reappeared after removal.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and have strong suspicions of their fraudulent nature. Please conduct a thorough investigation and promptly eliminate them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE-103 ) My personal information was stolen in XXXX since then I've been seeing a lot of unauthorized inquires. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries i have listed immediately. the following includes : XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on yearly review XXXX XXXX and XXXX closed session on review of credit and would not allow me to dispute charges wanted to charge me to reopen and file disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Vehicle loan or lease

THIS IS NOT A DUPLICATE! THIS IS NOT A DUPLICATE! 
The last complaint was not a duplicate. Below is the same complaint with different circumstances from the first. The first was transferred from the Federal Reserve. 

On, or about XX/XX/XXXX of this year, I file a complaint with Ally financial in regard to the way they have handled payments I made online toward my auto loan. I have been late for quite some time I know, but in XX/XX/XXXX Ally made some shady transactions involving my account. I spoke to a representative on XX/XX/XXXX about my loan. The conversation got heated, and I could tell the rep was upset. When it was all said  and done, I told him that I would be making a payment online that night. I made the payment, and got a confirmation number. I thought nothing of it, until I went back online to look at my account on XX/XX/XXXX. When I entered my account I saw where there had been several transactions. There were three " reversals '' and one "  return '' on the XXXX and XXXX. So I called Ally that day and they had no explanation. I made another payment that day. I then filed a complaint with CFPB to which the institution said they had conducted an investigation and determined that it was my fault, that I had clicked on a account that had been closed to make the payment. I told the representative that it was impossible for me to do that because there were no other accounts showing as method of payment. She told me I was wrong and their system was showing one. I told her I would send her a screen shot of my account and the payment methods listed. She would not let me do it. I then started my own investigation where I found some interesting stuff. One,  during the course of the last year, the months that payments were applied the loan balance did not match. Example, in XX/XX/XXXX a payment was made of {$500.00} for the month of XX/XX/XXXX. The loan balance went from {$10000.00}, to {$9600.00}. That is a difference of {$980.00}, much more than the paid amount. But then, a payment was made in XX/XX/XXXX of {$500.00}. The loan balance stayed the same at {$9600.00}. Then in the month that got this all started, XX/XX/XXXX there was another instance where there was no change. My  personal belief is that the representative that got mad at me had a personal agenda. If he stopped the payment, and reverses another, that would accelerate a re-possession, and or would make me have to come out of pocket for a much larger amount of money. I am including monthly statements and the letter that I received, along with screen shots of my account. Look closely at the " due dates '' and " date paid '' on the statements. From XX/XX/XXXX to XX/XX/XXXX, there is no change. Yet I made a payment on XX/XX/XXXX that was reversed and returned, and then another on XX/XX/XXXX that is not reflected. I have been paying a monthly payment of {$500.00} every month, yet the balances are different.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2024 Midwest Receivable Solutions XXXX XXXX XXXX XXXX Re : Unauthorized Reporting and Compensation for Damages Account Number : XXXX XXXX. Number : XXXX Dear Sir/Madam, I am writing to address the substantial damage caused by your unauthorized reporting of my account to credit bureaus, which has resulted in significant harm to my credit score and financial standing. This letter serves as a formal demand for compensation and resolution. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Your unauthorized reporting of the account to credit bureaus without proper validation constitutes a violation of this provision. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must provide accurate information. Your failure to accurately report and validate the account information has led to significant inaccuracies on my credit report, thereby violating my rights under the FCRA. 

Successful Deletion from Credit Reports As a result of my disputes with XXXX, XXXX, and XXXX, the erroneous entries related to this account have been deleted from my credit reports. This confirms that the information provided by Midwest Receivable Solutions was inaccurate and unsubstantiated. 

Impact on Credit Score and Financial Harm Despite the deletion, the prior presence of these inaccuracies caused significant harm to my credit score and financial standing. The emotional distress and financial harm caused by these inaccuracies are substantial and warrant immediate compensation. 

Demand for Compensation and Resolution 1. Compensation for Damages : I demand compensation for the damage to my credit score and the subsequent financial harm. Calculating the damages based on the impact to my credit score and related financial setbacks, I am seeking compensation in the amount of {$15000.00}. This amount reflects the actual and potential future financial losses, emotional distress, and punitive damages as provided for under federal law. 
2. Written Confirmation : Provide written confirmation of the corrective actions taken and the compensation provided within XXXX business days from the date of this letter. 

Failure to comply with these demands within the specified timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating legal action to seek further damages and attorney fees. 

This letter is sent without prejudice to my rights and remedies, all of which are expressly reserved. 

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

I submitted a complaint against Experian for ignoring my requests to investigate the misinformation they're reporting on my credit report. That CFPB Compliant number is # XXXX. While that complaint is being investigated, I received yet ANOTHER refusal to investigate the misinformation on my credit report via email. So now they are refusing to investigate the CFPB compliant. So not only are they violating the rights of consumers by refusing to investigate misinformation they're reporting, they are violating the Federal Law ( Fair Credit Reporting Act ) and now they are defying the Federal Government and the CFPB by refusing to investigate a compliant against them. Why can't Experian just obey the law and operate legally under the FCRA?
Product: Money transfer, virtual currency, or money service

1.-Last XX/XX/2018 we sent a wire transfer from XXXX, XXXX XXXX XXXX for the amount of {$10000.00} to an account in SunTrust Bank of XXXX, located at XXXX XXXX XXXX XXXX XXXX, GA. Funds were to purchased goods at USA .

At the time we didn't know that the account was fictitious, someone use Suntrust Bank to steal the funds that belongs to another final beneficiary.

The final beneficiary is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California. Phone : XXXX Our bank in XXXX  request the return of funds to Suntrust Bank but we receive a denied from the bank. They tolds us to contact fraud assistance center at XXXX but we never have an explanation of why do they have a fictitious account in their bank receiving international wire funds that belong to a legitimate provider in California.
Product: Debt collection

AFNI put a XXXX collection on my credit report. I did not receive notice from this company.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX has conducted the payment in the amount of XXXX XXXX from my account with XXXX to account of GO HIGHER INTERNATIONAL TRADE ( XXXX ) XXXX XXXX  opened with SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. On XXXX I applied to XXXX for a license to unblock my funds. On XXXX I have received license XXXX XXXX authorizing JP Morgan Chase Bank XXXX XXXX the funds to the originator. We tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank XXXX XXXX on the fact of issuance of the above mentioned license and asking them to return the funds to our account in non-sanctioned bank. Still, JP Morgan Chase Bank has not responded. Thus, we can not receive our money even having the license authorizing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I contacted the credit reporting agency to remove the inaccurate and outdated personal information in my credit file related to the addresses listed. I informed them that these are non-mailable addresses and should be removed immediately. They failed to comply in removing these items. The following addresses need to be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent out a letter via mail and email to Avant at the following email XXXX and sent a letter that was returned as the following address that they provide is not valid at Avant ATTN : Resolutions Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I have submitted disputes for false inquiries on my credit report with XXXX, Equifax and no change has happened. Leading me to have to freeze my account. I am now at in which i feel as i am being taken advantage of with no support
Product: Debt collection

Lvnv funding Llc is reporting false information on my credit report and will take legal action if necessary. This alleged account has an opening date of XX/XX/, which is impossible as I have never had any dealings with this company at any time. It is important for credit reporting agencies to accurately reflect a person 's credit history, and I will not stand for any discrepancies or false information. I expect this matter to be resolved promptly and without further issue. Also, I have disputed this with XXXX  and they are reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

FAIR COLLECTIONS AND OUT Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Sometime around the XXXX of XX/XX/2023 I went to the First National Bank on XXXX XXXX in XXXX. I was making a deposit of {$3000.00} and requesting an foreign exchange in XXXX for the same amount. I was working with a teller all the way to the right of the teller line and amidst our transaction she said she didn't know how to do it and called another teller over by the name of XXXX. This teller then moved me all the way to the left of the teller line to process the remainder of our transaction. She explained that the transaction would actually be over {$4000.00} due to the exchange rate, I agreed. She pulled up my balance and saw that I clearly had more than the extra {$1000.00} needed and processed the paperwork. I was called in a couple of days later and given the {$4000.00} in Euros. The transaction was completed. In XXXX, I get a call from the bank saying they took money out of someone else 's account that should have been taken out of mine ( for the above transaction! ) They don't know how that happened and they have no record of depositing the original {$3000.00} we started the transaction with. XXXX, said she looked at the transaction around the time I was in but couldn't see it deposited so were assuming it was never deposited! Clearly they would not have given me {$4000.00} in XXXX if they did not have the money. She said she would keep looking into it and call me back. I called and spoke with her and she said she couldn't find it, this was not my problem but theirs. In XXXX, all of my accounts are closed, they took all the remaining cash from a checking account I had there, a small savings account and a mutual travel saving account I have w/ someone else. Then I received a letter, after the fact, saying they were going to report me for bad credit!! They have since, stopped me from being able to open any other account at any banking institution!! I agree that they should have taken the balance due for the exchange rate but at this point they have stolen thousands of dollars from me and are keeping me from being able to pay my bills! Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in early 2020 RANlife Real Estate ( NMLS # XXXX ) " sold '' my loan from their XXXX division ( NMLS # XXXX ) to their Loan Servicing division ( NMLS # XXXX ), but the communication of this change never indicated I would need to change my BillPay information ( in fact, they can not even provide me with evidence I ever actually received any such notification ). 

As a result three of my payments went to my old account ( owned by NMLS # XXXX ) and were not applied to the new loan they generated in their Loan Servicing Division ( which is also their own parent company - NMLS # XXXX ). The result is I have three " missed payments '' on my credit report which were not missed at all. This had a significant negative impact on my credit report/score. 

I was never even notified of this until I received notice that my loan was in default status. I called their office several times and at no time did any of their representatives ever mention this issue. I had to sort out their mess on my own time. I had to work with their mutually shared " loss mitigation '' department in order to buy myself the time to undo the mess they created. ( It's also worth mentioning the only " help '' I got from their " Loss Mitigation '' department was an " offer of help '' that DOUBLED my monthly mortgage payment for SIX MONTHS. ) This has been a horrible experience and has created extensive damage to my credit. 

Reference CFPB Complaint Number XXXX, and you will see where they stated they FINALLY got around to returning the funds - so I could take still MORE of MY time to fix this issue. ( Also worth mentioning it took them a month after their reply to return all of the funds they stated to have returned in their response to you. ) This is a HIGHLY UNETHICAL company.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate These accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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

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. 
I told Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXXXXXX XXXX inquiry ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.