23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a transfer via Western Union for {$180.00} + {$12.00} service charge, for a total {$190.00} ( tracking # XXXX ). Two hours later, the recipient ( my son ) told me that WU refused to release the funds to him, and WU stated they were refunding the transfer to me ( the sender ). No reason was provided by WU. I went to a different WU outlet ( a different XXXX grocery store ), and they finally issued a refund in the amount of {$19.00}. The refund was reduced by a factor of ten. Someone obviously left off a zero. The clerk told me that what I received was the entire refund, and there was nothing she could do. I went back to the original XXXX to retrieve the rest of my transfer stub ( which I had thrown away and was fortunate to retrieve ), as directed by a WU supervisor. I tried to get the rest of my money there, and instead was given a case # XXXX and told to wait 24-48 hours! The next day, I called WU again, and spoke with a supervisor. They told me to go back to the 2nd XXXX ( who gave me the {$19.00} refund ), and that store would give me the balance of {$170.00}. So I drove back to the 2nd XXXX on XX/XX/XXXX, and they told me I already got my refund! ( Again! ) I wrote a letter sent certified mail on XX/XX/XXXX, received XX/XX/XXXX. Still no callback from WU. So I spoke with another WU supervisor and got another case # XXXX, and told to wait another 24-48 hours while they " investigate ''. There's nothing to investigate! It is abundantly clear that I was underpaid by a factor of ten. That's it. No investigation required. I was told to wait for a callback from WU, and when I still got no callback 24 hours later, I submitted a complaint on WU 's website claim form. I have now received yet another case # XXXX, and told to wait 24-48 hours! I am still no closer to getting my money back. Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX and Knight Adjustment Bureau # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to Knight Adjustment, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.
Product: Payday loan, title loan, or personal loan

I accepted a payday loan and I didnt pay it back on purpose, I wanted to allow it to go to collections. My intention was to work out a payment agreement that would allow me to get out from underneath the loan instead of a XXXX week loan paid in full with the next payday. Which I would be able to do without take another loan. XXXX killed me, as with a lot of people. I was desperate at the time and needed the help. 

Fast forward a few months. The loan place decided an amount and date which I will repay and just decided to randomly charge my checking account $ XXXX XX/XX/XXXX. 

I disputed the charge with my bank and flagged it for fraud. I got my money back but I am a collections agent. You cant just decide what and when to charge my account without so much as a conversation with me. Ive since closed the account. Now I am reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following acoount s are being reported inaccurately XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX late account is on auto pay, XXXX XXXXXXXX incorrect balance - always pay to a XXXX balance. XXXX, XXXX and transunion are inaccurately report the accounts.
Product: Credit reporting or other personal consumer reports

XXXX  created towns and government agencies used and put in as a land development ideas used me and my families documents and families corners record 's, tapping into our social security information and families documents of marriage and divorce. 

Then created food products used XXXXXXXX XXXX and brand advertising and fraud using XXXX as food industry products to. 

There fraud as business permits and XXXX and deeding issuing isn't authorized using me or to create anything off of my phone or families documents Others in XXXX XXXX Iowa also copied XXXXXXXX XXXX and for medical records frauding using XXXX XXXX XXXX XXXX Iowa XXXX XXXXXXXX was the one who issued out against XXXX XXXX as a beer companys created copied XXXX XXXX XXXX and government agencies and got the 50 states wide talking in Indiana documents And the 95 percent of all groceries stores and as stores frauding my documents as food products issued out by the company. 
Herds of 50 states wide diner 's menus There companys and food industry aren't married into anything me or my family documents All that was XXXX XXXX XXXX fraud using my families XXXX documents All that was fraud off my dead great great grandmother documents of XXXX XXXX XXXX marriage to XXXX XXXX The food and drug administered wouldn't comply.. 


XXXX XXXX  records marketing and advertising talk off my families XXXXXXXX XXXX record of serial numbered documents, it's a near XXXXXXXX XXXX  private property grave. 

Then XXXX created fraudulent business permits for building and business permits off my mother 's 3rd husband combined IRS and registered home address attached to our mail going there used XXXX XXXX XXXX XXXX XXXX pulled that in XXXX and in XXXX XXXX CA XXXX created XXXXXXXX XXXX XXXX XXXX  XXXX XXXX CA and used a big building next to XXXX XXXX XXXX XXXX XXXX record of XXXX XXXXXXXX Indiana of XXXX XXXX Indiana, which XXXX XXXX XXXX great aunt was XXXX XXXX. 



XXXX XXXXXXXX XXXX XXXXXXXX XXXX on in XXXX XXXX IA
Product: Debt collection

I noticed this collection agency on XXXX XXXX yet they never supplied me with a dunning letter or sent me any communication prior to placing collection on my credit report. 

There are two accounts, which I assume are duplicates. One is for {$300.00} and the other for {$300.00}. 

I have never heard of this company nor have I done business with them. When I sent them a debt validation letter, they ignored my request. 

I contacted the original creditor they listed ( XXXX XXXX ) on XX/XX/XXXX and they have stated that I do NOT have a collection with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Account with XXXX XXXX  XXXX XXXX Auto Loan close account as Agreed and they still with inaccurate information balance the correct balance {$0.00} With Status Paid as agreed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DE XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the XXXX XXXX being reported.
Product: Mortgage

I originally took a Covid-related forbearance plan with United Wholesale Mortgage in XX/XX/XXXX. 

UWM started the forbearance plan in XX/XX/XXXX, and I requested and was granted an extension in XX/XX/XXXX for an additional XXXX months. I received HAF assistance to pay for the first XXXX months of forbearance payments in XX/XX/XXXX and applied in XX/XX/XXXX. 

Upon the completion of the XXXX  months of forbearance on XX/XX/XXXX, I requested a deferral of the payments and was approved for the deferral by UWM per the loss mitigatio

n specialist I spoke to. I never received an information packet, or a call from UWM 's servicing department regarding the approval or denial in the mail within XXXX  days as I was informed I would receive.

I assumed I was approved for the forbearance plan, and as I am in the mortgage industry myself, I called
UWM 's servicing department on XX/XX/XXXX in order to check whether the forbearance deferral was approved and to pay the deferred escrow balance and my XXXX months payment in order to not have any late payments on my mortgage. I was told that I never accepted the forbearance plan after I was approved ( I never received any information regarding this ) and that I would have to reapply for a payment deferral. I was told that there was no possible remedy for not receiving this in the mail or getting no call from UWM regarding this. I was told that I would not receive any late payments on credit for any of the payments in deferral from XX/XX/XXXX- XX/XX/XXXX. I requested to make my XX/XX/XXXX payment in order to not have a XXXX  day late payment on my credit report. I paid a total amount of {$4700.00} via ACH withdrawal authorized over the phone- {$1600.00} of which I was told would be applied to my XX/XX/XXXX payment, and the rest of which would go towards my escrow advance balance to bring the past due amount on that to {$0.00}. 

On XX/XX/XXXX, I received a letter from UWM regarding the approval of my deferral plan, informing me I must call by XX/XX/XXXX to accept the terms of the plan, to begin on XX/XX/XXXX. I called UWM 's servicing department on XX/XX/XXXX to make my XX/XX/XXXX payment and accept the terms of the plan. I spoke to XXXX, employee ID XXXX, who informed me that the payment I made on XX/XX/XXXX was applied as {$1600.00} towards my XXXX, XXXX and XX/XX/XXXX payments, and that the payment I made was not applied towards my XX/XX/XXXX payment or the escrow balance. I asked for this to be fixed and any incorrect items on my credit to be corrected. I was told by XXXX that I could not have these corrected, as she was told by her supervisor, and that I should not make my XX/XX/XXXX payment, or any payments until XX/XX/XXXX per the deferral agreement she now marked as accepted, as any payment I make would be applied towards my deferred ( now incorrect ) balance and could not be applied to my current payments for XX/XX/XXXX or XX/XX/XXXX.
Product: Debt collection

This three-year-old debt claim is from a purported close out bill from XXXX ( phone/internet/cable ) at a rental property I had in Florida. I never received a close out bill from them ( although I always received monthly invoices at my address of record out of state and paid in-full on-time every time. XXXX never directly contacted me regarding this outstanding amount. I received 3 calls from the bill collector. Each time I stated that I had not received a final bill from XXXX and would not pay any amount via a verbal phone request. I need to see a final payment adjustment invoice. I called ( and web site chat room ) XXXX regarding the this bill each time requesting a copy of the final bill. On one such call the rep admitted it had initially been sent to the rental property, not the address of record. Still, I never have received a copy of the bill. 

No one should be expected to pay something blindly without a formal bill in hand. I did everything a consumer could do short of flying cross country and knocking on their door. No company should be rewarded for bad business practices.
Product: Credit card

XX/XX/XXXX I made a purchase for about {$300.00} using PayPal account I had for a few years. A year before that I cancelled by phone the PayLater account I also used with PayPal previously because I did n't want the automatic PayPal charges to that account that started to happen. At that time, on the website I also made sure that my PayPal account is linked with a bank checking account and XXXX of my credit cards that I wanted to use as paying sources. It stated in PayPal instructions that linked accounts are used by default. I use PayPal infrequently but for a few purchases after that I verified that charges were indeed correctly billed on my indicated personal credit card. The purchases in XX/XX/XXXX, however, were charged to a " PayPal Credit '' which I did n't know about and never signed for. I only learned that from PayPal email that stated I owed PayPal Credit {$50.00} in interest. I made several calls to PayPal explaining how I was ignorant of this change in my account, did n't authorize it, and counted on this large purchase to be payed off from my linked personal credit card so I obtained the miles and other advantages. I asked to be allowed to pay this debt to PayPal using my credit card but this was refused by the technician and his supervisor because, I was told, PayPal Credit accepts bank checks only. If I do n't pay as directed, my credit rating will suffer, I was told. I asked that the PayPal Credit card ( with a credit of {$2000.00} ) be immediately closed. PayPal complied with this but will not let me pay off the debt with my linked credit card and has now charged {$100.00} in interest. I would like to know how to proceed with PayPal regarding such ruthless disregard of a costumer and their unauthorized pushing of an unwanted credit card. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Im so fed up with this process! Please remove these accounts that are not mine. Not in 30 days, 45 day, or 60 days! 15 USC 1681 starters that any account that can not be verified or propelry investigated should be removed. The accounts numbers dont match and I can not get any information sent to me from aidvantage or retrieve results if these agencies investigations. They have been slow to move there feet on removing these items and honestly lying in my reports by saying that Ive even made payments on these loans and I have not done so. They are saying I made a payment in XX/XX/year> on one and I did not and have been fighting to get these removed not only through aidvantage but also trom the XXXX agencies that are refusing to listen to federal law in this matter XXXX looks like Experian removed them but the others have continued to not only leave them in place but lie to make it seem like I am making payments and I am not doing so.
Product: Debt collection

Upon checking my credit reports I noticed a collection that I have no knowledge of. The amount is for XXXX on my report it's date it is from XXXXXXXX XXXX XXXX. I don't know anything about this account. The credit report states that it was opened on XX/XX/2023. I'm not sure if it was the debt collector that opened it on this date or was it the date the account from the original creditor was opened? It's hard to know this when I was sent no paperwork nor notified of this account. Section 605 of the fair credit reporting act state that they must obtain a validation of the debt I never received any thing whatsoever from this debt collector nor the XXXX XXXX I would like thoroughly investigated.
Product: Prepaid card

On XX/XX/2024, 2 services were charged to my Visa prepaid debit card. A charge from XXXX and a charge from XXXXXXXX XXXX XXXXXXXX store # XXXX. On XX/XX/XXXX I deposited {$460.00} to my debit card. After only using it once at a local restaurant ( XXXX XXXX XXXXXXXX ) at XXXX I received a text message that stated {$420.00} dollars was transformed from my debit card to ANOTHER Visa debit card ending in XXXX. When I called Visa to notify them about this, they claimed it was an authorized transaction but when I told them I had not authorized this transfer AND my card 's pin number had been changed not of my doing, I was told it would take 45 to 90 days for them to investigate the dispute. In the meantime, I am waiting for them to send documents that I need to fill out and email back to them within 10 business days. It's XX/XX/XXXX and considering I reported this in the evening hours, I have not received those documents yet. I have to get a new debit card as well as they've frozen the one I have and there's no guarantee I'll get my money back. They claimed to not know what location these transactions occurred, who did it and they only had an email that was not mine associated with the situation. Whoever took all my money off my card, also charged it to another XXXXXXXX XXXX XXXX ( store # XXXX ) before doing the {$420.00} transfer. Aside from the restaurant being the only place I used my card after depositing money onto it, during the XXXX transactions the only time I used my card was on XXXX to order clothes. On the same day XXXX shipped my order, the XXXX transactions started to happen and I was not informed or notified about it. I am XXXX XXXX XXXX, receiving government assistance ( that's my income ), taking care of my XXXX XXXX XXXX mother who is going through XXXX treatment and we are in the process of moving. Because this act was committed against me, I now have to cancel any refills of my own medication because my money has been stolen. As I told the Visa customer service, I needed that money. More than that, I want to know who is behind this and how.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have made late payments before with the following companies below : - XXXX  XXXX ( Vehicle Loan ) - XXXX XXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With XXXX XXXX, the full Vehicle Loan was to be paid within 6 years. I have paid it full, 2-3 years early ( XX/XX/2022 ). 

With XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.
Product: Debt collection

Discover card keeps calling my parents phone number and harassing my elderly parents all hours of the morning and day. I have told them several times to stop, but the harassment keeps up and it is causing my parents severe XXXX.
Product: Money transfer, virtual currency, or money service

I went with veem.com, to get my consultancy payment processed things usually works well but just that I made a invoice ( id - XXXX ) of XXXX dollars to be transfered to my bank account. The invoice was made on XXXX XXXX and it confirmed the payment on XXXX XXXX, but I haven't recieved the payment till now. When contacting their customer support they did provide confirmation from XXXX XXXX  that doesn't confirm the delivery and even on submitting that to my bank I can see, that I haven't recieved the amount in my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My account was comprised as a result of Binance 's failure to secure my account. 
Binance did not appear to be having any difficulty with allowing my account to be hacked, but once I informed them about what had happened it was very difficult to have them secure my account after which I discovered it was impossible to get my funds released, as their are designed to be has humiliating as possible, and Binance 's policy of not accepting the selfie video 's that is forced upon investors after they had deposited funds into the account guarantees that any funds deposited into the Binance account will never be returned.