23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I bought a water purification system through Aqua Finance. The device has had several issues and currently does not work. The company I  bought the device through wants to charge $ XXXX {$50.00} per half hour to fix. I refuse to pay such large fees every time the device breaks, and was made to believe all warranty and repair would be covered in price of purchase. However, now I am stuck with a broken device and forced to pay the financing contract. I would like to have the unit returned and be refunded for the device. I do not care for either of these companies and feel I have been taken advantage of.
Product: Student loan

About 6 years ago an old private student loan, for a vocational school, I had through Navient ( originally XXXX XXXX ) disappeared from my online account with them. I was told by customer service at Navient it was discharged after sending them documents to prove my father, one of the names on loan, had passed away. Navient hasnt attempted to contact me in any way since then, potentially because I filled for bankruptcy since then. To this day I have no record of a loan in my name on their website but on XX/XX/XXXX my credit report got hit with a 60 day late payment from Navient on a loan of {$7400.00}. Ive reached out to them by phone several times, sent documentation of the mark on my credit and can not get an answer from anyone there about this problem or even if the loan exists still. In fact Ive been hung up on virtually every time I call wasting hours of my time. Im unsure what to do about this. Ive been a student working to get my XXXX degree for the last 5 years and had no way of knowing if this debt wasnt discharged like I was told years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 : XXXX XXXX .... Balance : - XXXX XXXX BANK XXXX .... Balance : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date filed XX/XX/2020 Status XXXX XXXX bankruptcy discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a debt buyer.I have been fighting them for about 2 years.The account is over 6 years old They are in violations of rules and regulations that protect my rights.They re-aged a debt and not using the date of last payment from original creditor. Nor have they sent me validation. XXXX keeps allowing it.They have not validated any dates from original debt owner .Just the dates THEY " LVNV '' took ownership.The account has hit the 7 year mark of original debt owner.They are not in compliance and I have disputed with the credit bureau 's several times.This account needs to be removed for invalid dates and practices by LVNV.If not resolved my next step is a lawsuit for illegal practices.
Product: Debt collection

A federal agency had already paid the debt to the original collector  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX
Product: Money transfer, virtual currency, or money service

First Wire Transfer Issue : {$58000.00} - Failed domestic transaction to XXXX / XXXX XXXX, " lost '' in HSBC 's system. 

At the end of 2021, I was on a tight deadline to buy pre-ipo shares of a company I had just left ( XXXX ). I ended up doing an XXXX transfer from my XXXX XXXX XXXX account, but sensing that it might not make it in time, I initiated a wire transfer from my HSBC account. XXXX made it through and paid for the shares. The HSBC wire never made it and has been in limbo ( not returned to my account ). 

Numerous calls with HSBC customer service have been dead ends. Responses range from " the money is on its way back '' to " it's the wire department 's issue '' ( who are notoriously hard to contact ) - to " contact the recipient. '' I recently spoke with the XXXX XXXX team, and their records indicate that only the wire from XXXX XXXX  XXXX made it through to their end. 

I will need this money soon and am reaching out in desperation and waiting, hoping it would eventually be returned to my account to no avail. 

To complicate it further, HSBC has transferred my account to XXXX XXXX. 

Second Wire Transfer Issue : Failed International Wire {$5700.00} Also at the end of 2021, I initiated an international transfer that got returned. Again, I asked HSBC to return the money to my account, but it remains, as far as I know, stuck in a wire transfer limbo.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00} or XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.
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. 

Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX  XXXX Account name- XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX # XXXX Account name- XXXX XXXX XXXX # XXXX 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 dont know any of these companies that was inquiring about my score half of them look like they arent even in the same place with me other accounts they are saying is past due isnt i have the proof just as well as i have the other complaints that were sent to the ftc about the illegitimate XXXX XXXX that i knew nothing about
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 am writing to dispute and request the immediate removal of inaccurately reported late accounts on my credit file. Banks acknowledged the error due to a system glitch, couldn't provide records, and agreed over the phone to remove them. Please update my credit report to reflect a positive status or as closed/never late. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never had at XXXX account much less want one. I have received a letter from afini collection in Illinois and so far what I Ave read about them they are either a scam or they are a third party debt collector. If them hey have my ss number and report them hey his them hey his own my credit then someone has either stole my identity or used my name and ss number somewhere without me knowing. This is not my debt as I have never had XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns inaccurate personal information and fraudulent accounts listed on my credit reports with XXXX, Equifax and XXXX. 

All three bureaus have my legal name listed incorrectly. 

All three bureaus have incorrect and/or outdated addresses listed. 

All three bureaus have numerous inquiries that are fraudulent and possible attempts to obtain credit in my name. 

All three bureaus have accounts that have incorrect information listed ( e.g., balanced owed, amount paid, etc ). 

All three bureaus have accounts that do not belong to me. 

I have notified all three bureaus in-writing of the inaccurate information, fraudulent accounts, and that I'm a victim of multiple occurrences of identity theft. 

Unfortunately, the bureaus have classified my disputes as " frivolous. '' I should not have to make multiple requests for inaccurate information to be removed from my credit report, as that is my right per the FCRA. 

Moreover, I should be able to list ALL of the inaccurate information to be removed in XXXX correspondence not having to break them up into multiple letters for fear of the bureaus classifying a long list of inaccuracies as " frivolous. '' To resolve this issue fairly, I am requesting that my correct legal name be listed on my credit report and all incorrect versions be removed. I also request that all fraudulent accounts be removed from my report. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX separate occasions I asked Experian, XXXX XXXX, and XXXX to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the XXXX credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until XXXX weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe XXXX water bills. That is not possible as it was built into the rent. I Have proof from XXXX XXXX  who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX/2020.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I was offered the opportunity to apply for paypal credit and was approved. After calling I was told due to me filing bankruptcy the credit line is not available to myself. This seems like discrimination and is misleading because this information was no where in the terms and conditions. After calling they offered advice on how to have the inquiry removed but I shouldn't have to write this complaint, do ANYTHING to remove an inquiry, or be permanently penalized for a bad financial decision that is forgiven by EVERY OTHER COMPANY that allows for line of credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Inquiries
Product: Debt collection

I have no knowledge of this debt belonging to me. Letters have been written to this company requesting proof of debt owed. The company they are claiming to represent is XXXX Bank XXXX XXXX. I have not done business with XXXX XXXX for over 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX was submitted XX/XX/. It has been over 60 days without a response. According to CFPB, the company has 60 days to answer. So this XXXX should be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent Experian a investigation letter to investigate some negative things on my credit report. On XX/XX/21 they sent me a letter via mail stating the accounts were " verified ''. On XX/XX/21 I sent a method of verification letter asking for the method they used to verify the accounts. I never received any documentation or proof that I requested. on XX/XX/21 Experian sent me a notification via the app to tell me they had an update with my dispute. when i checked the app it said that the accounts were updated again. Still to this day I haven't received documentation or proof of verification like I requested.
Product: Debt collection

I have requested validation of the account that has been attempted to collect on from this collection agency and I have not received anything back by postal mail. It has been well over 45 days since the original request was sent. I requested this to be done back in XXXX 2017 and I have not received any correspondence as of yet. It has been approximately 23 weeks and 5 days. The collection amount is listed on my credit monitoring site for {$220.00} and I was never made aware of such debt in writing.
Product: Checking or savings account

I am staying at a hotel and I paid the hotel XXXX dollars for 18 days. Somehow when they ran my card my bank BB & T split it up when the manager ran it as one charge. Now BB & T took out $ XXXXand they have {$580.00} and {$440.00} on hold and the {$1000.00} has already been withdrawn. When I called and told them to release my funds because my account was now negative they tried to blame the hotel. When I went to the manager she showed me the charge she made on XX/XX/2020 and it was one charge of {$1000.00}. BB & T has held up over XXXX dollars of my money for 5 days. I have had no way to buy food and to take an XXXX they have jeopardized my mother and my safety as she is a XXXX patient and I need to be able to take her to the doctor and we have no way to go anywhere or to buy food. This should be illegal and I would like my money back and the reparation for the high interest loan we had to take to bring my account into the positive so that these thieves did not try to charge me NSF fees as well. The interest on this loan is over {$200.00} dollars and it is all BB & Ts fault. They should not be allowed to get away with this. Then the woman told me I have to wait for the funds to come off pending status and if the money did not go into my account I had to report it as fraud against the hotel. They did not commit fraud BB & T committed fraud. This is absolutely horrible that they can get away with this. They have held up over XXXX dollars of my money for their own use for over 5 days.
Product: Checking or savings account

On XX/XX/year>, I attempted to deposit {$1000.00} cash in a free standing Commerce Bank ATM. The ATM took my {$1000.00} and gave me back {$100.00} because it couldnt be read, the deposit slot closed and the ATM only deposited {$600.00} of the remaining {$900.00}. 
I immediately called customer service at Commerce Bank explaining what had transpired. They said they would investigate the incident and I should receive a {$300.00} temporary credit into my checking account. 
On XX/XX/year> I received the temporary credit of {$300.00}. 
On XX/XX/year> I received a letter from Commerce Bank stating the investigation of the disputed transaction from ATM DEPOSIT in the amount of {$300.00} was declined due to the transaction represented payment for goods and or services received by me. I called customer service again that day and the representative said he would send a request to have the ATM audited. He instructed me to speak to a teller at my local branch. 
On XX/XX/year> I went to my local Commerce Bank XXXX XXXX and spoke with a teller explaining the entire situation again. He tried contacting the customer service and was hung up on the first time. He called back again and spoke to a representative at the dispute center and stated they would follow up with me. 
On XX/XX/year> I called Commerce Bank at the XXXX XXXX again and spoke with the same teller. He again said he would reach out to the dispute center again and someone would contact me. I was given an email to the dispute center and emailed them directly regarding my complaint and missing {$300.00}. The email was sent on XX/XX/year>. I still have not had any additional follow up or status update.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

XXXX Account Number : XXXXXXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Product: Debt collection

On XX/XX/year>, I was notified by my bank that a negative change was reported to the three major credit agencies by Conserve ( Continental Service Group , Inc. d/b/a ConServe XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX I have never received a debt validation notice nor had any communication with this company prior to or thereafter, despite the FDCPA requirement that they must do so within 30 days of notification. Conserve continues to negatively report a balance of {$5400.00}. The FTC has held that absent actual personal notice, reporting to the credit agencies may act as notice. As such, Conserve was and is required to provide me with a debt validation within 30 days of such notice per federal law. They have not. They have continued to impact my credit without ever contacting me or providing any detail regarding the debt itself. Given the time frame that has elapsed, I wish to formally file a complaint with the CFPB against Conserve for their negative impact to my credit score, lack of notification, and the lack of validation provided that I even owe the debt. I do not know what the debt is for, where it originated, whether or not Conserve has the right or ability to collect the debt, or even how to access their platform to learn such information. Reporting information to credit agencies that Conserve does not know to be accurate and failing to report infor- mation correctly violates the FDCPA. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX  that I had an account in collections in the amount of {$200.00} from creditor XXXX XXXX XXXX XXXX. This was being handled by a collections company called Midwest Recovery Systems. 

I have no such account, never heard of XXXX XXXX XXXX XXXX, do not EVER use pay day loan services, received no notification from Midwest by phone, email or mail that an account was in collections. 

I suspect my information was bought or stolen. Some research online revealed that this is a common complaint with Midwest Recovery. How was this information not validated before this was placed on my credit report? 

This is complete and total fraud and identity theft. I want this collection charge removed from my credit report immediately and I want written notification from Midwest that my information will not be used for fraudulent purposes again.
Product: Debt collection

In the complaint XXXX ; The part of Bank of America was closed because they said that I was not authorized to receive information about this loan. The XXXX of XXXX, I spoke by phone with the specialist XXXX XXXX and I explained to her that I had also signed the loan origination documents. They decided to send me by mail the documents of authorization that I never received. 

I am including the documents of origination of this loan to demonstrate that I also signed this loan meaning that I am authorized. I also include a letter of XXXX recognizing that I am part of this loan. I need that Bank of America review carefully this documents to they can cooperative with this complaint I request that the Bank of America send the required information to be able to solve this case. It was not fair that my case gets closed. I request that you talk with Bank of American because I have a right to receive that information, because I was the one who paid that loan and was sued by Countrywide. 

The loan is under the name of XXXX XXXX XXXX XXXX, my ex-husband and I, XXXX XXXX XXXX XXXX.