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

On XX/XX/2022, I mailed the attached dispute letters to Transunion and XXXX via certified mail to dispute the XXXX charge off that's inaccurately reporting on my credit file. Both bureaus stated the debts were verified as accurate ; see the attached reports. I have provided a screenshot of my most recent report and the data across the bureaus are not reporting 100 % accurately ( Key Data Points are not consistent ) and must be REMOVED from my credit report! 

Per 15 U.S. Code 1681i ( 5 ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX Account : XXXX XXXX Transunion Account : XXXX Acct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have tried to reach out multiple times to correct all of the incorrect names and addresses that are attached to my credit reports. This has become a huge hindrance in me being able to move forward in my life and I need my full name and correct address to be updated by XXXX, XXXX, and Experian. I attached my correct name and address via my bank statement and my profiles need to be updated with only this information.
Product: Mortgage

In XXXX I applied for a refinance on my home which is currently finance by New Rez. I supplied all information needed and I receive a conditional approval around XX/XX/XXXX. I was told the estimated closing was XX/XX/XXXX. I have reach out to this company numerous of times and emails to show as well. I was told by processor she has XXXX files and thats why it is taking so long. I have been asked for the same information over and over again that had been submitted already. I asked to speak to the manager XXXX XXXX who never returned my phone call. When inquiring about my loan in XXXX I was told waiting on title this month it was pay off. This has been a never ending process. It should not take 5 months to refinance when I am constantly asking what is needed. I have had my daughter to reach out several times. No response. I have file a complaint with the XXXX  and the response I received stated we were scheduled to close on XX/XX/XXXX and to contact XXXX her supervisor. I have included the attachment below as well of the complaint. No one should be treated in the manner that me and my husband have experienced. I will continue to write until something is done about this situation as I have already paid over {$500.00} for an Appraisel and each month that I am paying 8.9 % interest rate. is it costing me.
Product: Student loan

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.
Product: Student loan

My student loan amount has risen to {$110000.00} and the University XXXX XXXX has unofficially dropped me from the school when I only have 9 credit hours left before I can graduate. {$110000.00} is far too costly for any college education. This is ridiculous to charge a person this much. I am hoping that a large portion or the full amount of this loan be forgiven. The University XXXX XXXX and XXXX XXXX XXXX is ripping me and I'm sure others off with these high college tuition rates. Please forgive this loan and return some of the money spent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed, called and wrote /mailed all 3 credit companies XXXX XXXX XXXX XXXX TransUnion about the personal information that listed I have sent in proof of my identity & actually address to all 3 but they are not updating my credit reports correctly my correct name is XXXX XXXX XXXX XXXX my correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my employer is XXXX XXXX XXXX XXXX XXXX my correct and only phone number is ( XXXX ) XXXX I would like for all other personal information listed on all 3 reports permanently removed immediately and if not removed then they should pay {$1000.00} per incorrect information listed, thank you!
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I called into Synovus online asking advice on how to pay taxes via check using e-check. They confirmed it would be okay. I scheduled a payment to be made XX/XX/XXXX. XX/XX/XXXX, I went into local branch, XXXX XXXX XXXX XXXX XXXX, FL, XXXX, and spoke to the head teller who confirmed that the payment would be made on time by XX/XX/XXXX through a bank to bank payment. She also added, if not, Synovus would pay for the late fee and charges. 

On XX/XX/XXXX, XXXX XXXX Taxes office had not received the payment via XXXX, and I thus incurred the late fee charged. 

On XX/XX/XXXX, I went back to the branch, and spoke to the same teller who suggested I speak to online service via the phone. After several minutes, the online service customer service discovered the payment had been sent out by paper check and not bank to bank. And they could not confirmed whether the recipient had received it, or on what day they received it. 

On XX/XX/XXXX, I contacted the bank and spoke to XXXX XXXX XXXX ( attached is out emails ) She advised me not to cancel the check via the phone, and in her emails after discovering the amount in the check. She went on to suggesting three ways it could have been done, but to wait a bit longer for it to clear. 

On XX/XX/XXXX, the XXXX XXXX Tax Department called and confirmed they received the check, and because it was a paper check I would have to pay an additionally {$350.00}. 
By XX/XX/XXXX, I returned to bank, and again spoke to the branch manager, XXXX XXXX. XXXX said she'd look into it at an appropriate time, as she has access to XXXX 's emails. I requested the bank pay the fee, honoring what their cashier said. Also, based on what XXXX suggested that I not cancel the check, the branch manager said she would " have to go higher up the ladder for that. '' I made a wire transfer on that day with XXXX from my personal account for {$350.00}. I also called the Tax office and had them on speaker phone for XXXX to hear why I was being charged the {$350.00} penalty fee. XXXX apologized, but as far as the bank honoring the amount, she could not confirm. 

XXXX communicated with me via email to confirm that the wire transfer payment had been received. I have also received a receipt for the amount from XXXX XXXX XXXX Taxes.
Product: Vehicle loan or lease

I have requested my 1099c form from First Investors servicing since they have sold the balance and are reporting it on my credit as owed a balance. This debt was written off by the company and sold so this needs to be removed from my credit report. They have removed it on all except XXXX. They have it currently as a OPEN loan.
Product: Credit reporting or other personal consumer reports

I was shocked to discover incorrect accounts on my credit report tonight, and I can't figure out why they're there. I routinely check my report, but this time, random discrepancies popped up. I even refreshed my browser thinking it was a glitch, but nothing changed. The errors remained. Because of this, Im asking for a thorough review of the documents Ive provided, so I dont have to deal with this worry ever again.
Product: Debt collection

A company by the name of GC Services called and said I owed them {$1100.00} for a student loan I have never had. All my schooling was paid for by the XXXX XXXX. The person I spoke to was XXXX XXXX and he said payment must be sent immediately or it would affect our credit. They were rude, demanding and knew my full social security number and birthdate. I told them it was not mine but did not want to speak too much since they record everything and seemed very strange to me. I recently found out they are scam. DO NOT SEND THEM MONEY or continue any type of conversation with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5800.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested from all three major credit buraes to provide me proof of my wet signature that i own these accounts in question and the credit bureaughs keep validsating the accounts without proof that these are my accounts. I attached a police report of the fraud accounts. 

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 a unverified account from Enhanced RecoveryXXXXXXXX I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Money transfer, virtual currency, or money service

Our remittance of US {$170000.00} from XXXX dated XX/XX/2018 still not received by Beneficiary. The Fund remitted from XXXX To XXXX XXXX - via USA.

But HSBC USA holds the fund from more then a month without any intimation to us. Pls find herewith attached SWIFT copy of remittance for your reference & follow up.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under sectio
n 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consum

er may exercise the right to opt out at any time. '' I am opting out of your reporting services. I please delete pa housing account number XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Pro collect is reporting an alleged debt for {$7700.00} on my report. 
I sent a letter asking where the debt came from, a validation verification, and also a contract between me and Pro Collect allowing business and also allowing them to report anything on my report. 
Along with this I sent my ID and social security card for the validation verification. 

The lease that was provided had many discrepancies and inaccurate information that does not belong to me. ( 1 ) The Social is blank preventing me from verifying the social matches mine ( 2 ) The name listed is inconsistent throughout the contract ( 3 ) The rent charge is inconsistent with the rent charge listed on the break down. ( 4 ) The lease goes from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  but then the breakdown shows a lease termination fee on XXXX XXXX. How can you have a lease termination fee if a lease ends XXXX months prior? ( 5 ) The lease provided shows the lease termination fee is {$1200.00} but on the breakdown it shows a lease termination fee of {$4300.00} I have yet to receive a proper description of the validation verification ( considering my name and social is blank, how was this info verified? ) I also have not received a contract between XXXX XXXX and PRO COLLECT
Product: Debt collection

Prior Complaint Number : XXXX follow-up. As of XX/XX/2022, the company has yet to properly validate the debt and consumer has not yet received any such validation at consumer 's USPS address. This is a clear violation of the FDCPA and FCRA. Enough time has gone by for the company to validate this debt properly. I request the CFPB to hold the company in violation of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to LexisNexis, I never received a letter from LexisNexis with the dispute resolution even that now is more than 30 days that I submitted the dispute to them. Per LexisNexis agents the Bankruptcy disputed was removed from my Consumer Report, but as I mentioned before I never received a letter from LexisNexis with the dispute resolution but I did received a Consumer Report and I was able to confirm that the Bankruptcy is not reported anymore. 
After I was able to confirm that the Bankruptcy was removed I opened a dispute with XXXX, XXXX and XXXX. 
On XX/XX/XXXX I received a notification from XXXX that the dispute was completed and I got the Report # XXXX with the following resolution to my dispute : Item : Remains The company that reported the information ( LexisNexis ) has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

This is the clause in XXXX Credit report about Public Records XXXX Public Records Information If your report contains public records, the Public Records section includes items from courts that XXXX may have obtained through a third party vendor, LexisNexis Risk XXXX XXXX XXXX You may contact them at LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visiXXXX XXXX XXXX XXXX 

LexisNexis and XXXX and playing games with the consumers, when I called LexisNexis about this situation they said that the public record ( bankruptcy ) was removed from my consumer report and is not longer been reported, and they also say that they don't report information to XXXX  and any other credit bureau. But when I call XXXX they say that LexisNexis is the one verifying and reporting the Bankruptcy to my XXXX Credit Report. 
I am attaching all the documents that I have to support this claim and/or complaint.
Product: Consumer Loan

This is a XXXX loan of {$1500.00} on a Wells Fargo Credit Card that also can be used for other medical purposes. The XXXX said my loan would be {$1000.00} about {$35.00} a month. XX/XX/2016 I paid {$40.00} and was charged {$16.00} in interest. I did n't ask for this credit card and the interest they are charging me. When I was having the XXXX I kept asking how much this work was going to cost me, the XXXX and/or staff kept telling me not to worry. Even when I was finished I still was not given a dollar amount. This pretty much covers the problem.
Product: Debt collection

On XXXX XXXX, XXXX, PayPal sent me a notice referencing Case ID XXXX and indicating that access to my PayPal account ( XXXXXXXXXXXX XXXX " has been limited '' until PayPal " hears back from [ me ] '' in regards to a PayPal account registered to XXXXXXXXXXXX that posts a negative balance of {$710.00} dating back to XXXX. I immediately called the PayPal collections department at the number provided XXXX XXXX ) to address the issue : I spoke with XXXX for more about thirteen ( 13 ) minutes and was instructed as follows : 1. The {$710.00} balance dates back to XX/XX/XXXX and reflects a reimbursement of unauthorized charges on my account that PayPal made to me, in anticipation of an eventual reimbursement by my bank in Pennsylvania ( which was investigating the charges ). 
2. A restriction has been placed on my current account ( i.e. I am unable to make any withdrawals ) until the {$710.00} balance is paid. Furthermore, PayPal threatened, in writing, to " use funds from any linked account to pay for any negative balance [ I ] may have. '' 3. PayPal promised to send me a " letter of debt validation '' in short order, but declined to provide details of the transactions in question ( in violation of 15 USC 1692 ( g ) Sec. 809 ( b ) of the FDCPA - as discussed infra ). 

The limitations Paypal has placed on my current PayPal account are illegal, constitute harassment and are actionable in a court of law for the following reasons : 1. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. 42 Pa. C.S. 5525 ( a ). Besides the fact that PayPal is unable to provide me with documentation of the transactions in question, the debt in question is well past the statute of limitations. 
2. The Fair Debt Collection Practices Act ( 'FDCPA ' ) prohibits " abusive, deceptive, and unfair debt collection practices by many debt collectors, '' 15 U.S.C. 1692 ( a ), and any debt collector who is found in violation of the FDCPA is liable for actual damages & statutory damages not exceeding {$1000.00}. 15 U.S.C. 1692 ( k ) ( a ) ( 2 ) ( A ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these company want me to wait 2 years for it to be remove and by this i won't be able to rent a good apartment area for my dad. he needs to move out from a bad neighborhood and i want to help him.
Product: Debt collection

Demanded payment before giving me the opportunity to have 30 days to respond.