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

XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am unaware of all these inquiries, I have called all the companies and credit bureaus and have sent letters for the past XXXX  months to no avail.
Product: Bank account or service

We are Regions Bank customers ; Account # XXXX. Last Saturday was the XXXX of the month, and Regions ' " Helpful '' FEE GENERATING SOFTWARE kicked in. 
Our Account was debited for 3 large Bill Payments to a. ) my Credit Union XXXX {$400.00} XXXX b. ) to my Electric Bill XXXX {$270.00} XXXX and c. ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX. 
Last year, each of these payments had been re-set by me, with the personal assistance of one of Regions ' associates, for after the XXXX of the month, howeverRegions ' FEE GENERATING SOFTWARE paid them early on XXXX XXXX. 
What 's more, NSF FEES have hit our account in the amount of {$100.00}. 
Today is XXXX XXXX, and while the {$400.00} payment debited by Regions on the XXXX, no such payment has been received by XXXX XXXX as of this moment!. 
In addition, XXXX XXXX XXXX has charged me {$27.00} for NSFs reloating to not having received the {$400.00} payment, debited last Friday!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting a collection/chargeoff in the amount of {$4900.00} on the XXXX  partial account number **** XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and later found in XXXX, Tennessee. ( I have also attached a copies of the police reports and incident report. ) Since the vehicle was stolen, my insurance covered any and all outstanding balances due and owing. There are no outstanding balances due and consequently nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

XXXX 's Xoom is preventing me from using their service through harassment that is challenging my privacy in inappropriate and unethical ways. I am trying to transfer money to a friend in XXXX using XXXX 's Xoom money transfer service. After sending all required documents numerous times, including every bit of personal identity information, they have continued to decline my transfer and have begun asking me for personal details about my friendship with this person that I am trying to send money to, and the reasons for my transfer. And yet, they have continued to decline my transfer. This is harassment and a breach of privacy and has wasted tremendous amounts of time and energy -- not to mention that I can not complete my personal transaction, which is urgent. This has been going on for weeks now. Now I feel concerned for my identity safety considering the unprecedented amount of information they have collected from me while continuing to decline the transfer. I've even been a XXXX customer for over 15 years.
Product: Debt collection

I have written several letters to this company asking them to validate the debt. They never respond and continue to report this inaccurate information which is a violation of FCRA and FDCPA. My most recent letter dated XXXX XXXX, 2015 is attached.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my problems with the agencies for a long time and because they have continued to misreport information I am now having to take the legal route. Over and over again the agencies have constantly and continuously reported false information and items without knowledge of their correctness or my permission, so I am now having to take accelerated action.
Product: Debt collection

The company is called XXXX XXXX XXXX and the associated phone number is XXXX XXXX XXXX XXXX. 

The person name is XXXX and she has called many third party contacts in regards to my account. The following below is who she have contacted : XXXX my neighbor on XX/XX/XXXX XXXX my mother on XX/XX/XXXX My employees at our help desk on XX/XX/XXXX The phone calls are excessive to the rate of each hour.
Product: Credit card or prepaid card

On XX/XX/2019 I called Citi Cards/ CitiBank to pay off my remaining balance and close my account. I made the payment over the phone in the amount of XXXX. Citi cards then proceeded to close my account. So I thought. In XXXX I started the process to refinancing my home and pulled my credit reports. At that time I saw that this account was reporting negative on my report and still showing a balance of XXXX. I have disputed this with the proof of my bank statement three separate times and each time they say that the evidence I provided was not valid and that I need to show proof of a cashed check. I have explained to the credit bureaus, Citi Cards, and also the collection agency they apparently sent me to and not a single one understands or is willing to accept that I made the payment over the phone so there is no physical check. Just the proof of withdrawal from my account. The fact that nothing other than paid in full and closed as of XXXX of 2019 should be reporting on credit is very frustrating and I have not been able to get this squared away. 

The only correspondence I have received says the were able to locate the payment but that citi credited the payment to another account. Now citi just reported this account to my wife 's credit which she was never on this account. At this point all negative reporting needs to be off
Product: Vehicle loan or lease

I purchased a new car on Friday, XX/XX/2020 from XXXX XXXX of XXXX. I was never show multiple options for prices or leasing options. I was not told my credit would be run multiple times. I was shown one finance option, with Suntrust Bank at 5.9 % for 84 months, and told that was my only option. I subsequently learned this was false and I was entitled to see multiple options with multiple lenders, etc. 
Additionally, I was misled about additional products that were included on my loan as GAP insurance. I agreed to GAP insurance and learned that an extended maintenance contract was added with GAP insurance. The finance representative told me I could cancel GAP later for a refund. I wen t back to XXXX Sunday XX/XX/2020 and was told no one could help me. I returned to XXXX twice on Monday XX/XX/2020 and attempted cancel the loan or modify it. I called the lender, Suntrust, and was initially informed that I could cancel the loan and then, once at the dealership again, Suntrust reversed course and stated only XXXX could cancel the loan. XXXX would not. I then asked to remove the extra services I did not ask for that were added with GAP insurance and told that the money would be applied to the principle of the loan balance in 120 days and I personally would not be getting a refund or a reduction in my monthly payment. When GAP was explained to me the financier representative told me any unused portion would be refunded. The paper I signed for GAP states that I could cancel in 30 days without penalty. I will have to check with Suntrust to see when the " refund '' is applied to the loan. 

When I asked about a hidden fee that was not explained to me at signed the finance representative told me he did not have to explain it, because I did not ask about it on Friday. 

I have subsequently learned that this dealership has changed names multiple times to avoid negative reviews. I am now stuck with a loan that is approximately {$5000.00} more than the value of the car. The car price was {$22000.00}. With the added fees and maintenance contract that cost became {$27000.00}. GAP added {$850.00}, the unwanted service/maintenance added {$2600.00} and the mysterious TLP fee added {$450.00}. All of this is financed through Suntrust, which will now receive over {$31000.00} for this car. 

I am not disputing that I signed these papers, but the papers were not clear. The dealership engaged in misleading and false representations of what I was being sold after preventing me from seeing multiple finance options I was entitled to see. Suntrust Bank is complicit in these practices. I was told Suntrust was the only finance option.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX  XXXX Balance XXXX {$690.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$450.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$690.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Financial institution wont provide account balance or information to the account holder
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 repot. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the XXXX take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I've marked as inaccurate : XXXX XXXX account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number- 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 XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ; XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX Account XXXX 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
Product: Vehicle loan or lease

PedFed is the finance company and XXXX XXXX XXXX is the car dealership. Finance company claims that I have a loan with them, but I never signed documentation for a car loan. I have requested a copy of documents from wet signature and have not received them. Request made over 120 days ago.
Product: Mortgage

I paid {$XXXX} for an appraisal to remove the PMI off our house to United Wholesale Mortgage ( UWM  ), however I never got an actual appraisal, instead someone came to our hose and took pictures to send to a local broker, which is a Broker Price Opinion ( XXXX ). The letter mentioned a XXXX  is {$XXXX}, however a full appraisal is {$XXXX}. Can someone please let me know why I paid {$XXXX} for a full appraisal yet was ordered a XXXX? Also, given that I wasn't provided an actual appraisal, I feel that I am owed a {$XXXX} refund since a XXXX  is the cheaper option and that was not was I ordered nor paid for. 

The report I received also mentions that it is a XXXX XXXX XXXX ( XXXX ) and not a full appraisal, as the XXXX never entered my home, it was all pictures. What I was provided was a XXXX, not a full appraisal, which is what I paid for. 

I have been asking for this to be corrected since XX/XX/year>, and every time I ask for an update I get a message that I will hear something within XXXX business days, but I never do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear Experian Dispute Department, I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. The account does not appear on my XXXX credit report but is currently showing as a charge-off on both XXXX and Experian. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$2800.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. As the entry is not listed with XXXX, I believe this inconsistency warrants review to ensure the accuracy of the information being reported. 
Please provide me with the following : 1. A copy of the results of your investigation into this matter. 
2. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against Experian on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 
Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received another XXXX  credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my XXXX account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth 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 XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Regarding the following accounts I did not authorize these inquiries and have never conducted any business with them. I have no knowledge of their existence and have not signed any contracts related to them. 

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 XXXXXX/XX/XXXX Please note : Under the consumer law ( 15 U.S. Code 1681c-2 ), " except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than four business days after the date of receipt by the agency of : Appropriate proof of identity of the consumer ; A copy of an identity theft report ; and I request that you immediately block and remove these fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act. 

I look forward to your prompt attention to this matter.