23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 the bank transfer money from my personal account to my business and the amount of XXXX to cover overdraft fees from a claim that they are denied. And the representative said they was unable to transfer the money back On XX/XX/2019 I me transfer some money the amount of XXXX from my personal account to my business account. 
Accidentally I called the bank and spoke with one of the representative and they said the was unable to return the money. Also on XX/XX/2019 the amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Debt collection

XXXX XXXX XXXX. 
XXXX XXXX charged my credit card for XXXX in error. The quote I received was for {$480.00}. I called immediately and asked them to credit my credit card for XXXX because that was not our agreement. After a week or so they did send a refund of XXXX to XXXX XXXX XXXX. In the mean time I called the credit card and asked them to stop payment for the charge of {$730.00}. They did that. Finally, I received the refund from XXXX they said they sent a second refund to XXXX XXXXXXXX XXXX. And XXXX XXXX XXXXXXXX did charge back to XXXX XXXX XXXX XXXX XXXXor the {$730.00}. XXXX XXXXXXXX XXXX said they sent the money back to XXXX XXXX XXXX. I have made numerous calls ( over 30 ) to XXXX and XXXX XXXX XXXXXXXX. The last person I talked to I talked to at XXXX XXXX XXXXXXXX was XXXX, Supervisor of claims at XXXX. I have also contacted XXXX in an attempt to clear this mistake up. I started talking to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX WI XXXX. When the XXXX XXXX XXXX would not help me I started talking to the XXXX Corporate office and they continued to claim I owe them money. I do not owe them money at all. In fact, they owe me money for the {$370.00} I paid for the policy XXXX. When I could not get XXXX to stop claiming I owe them money I cancelled the policy on XXXX XXXX 2021. The policy was only in effect for approximately 2 weeks before I cancelled it. Please help me. I have been working this since early XXXX of this year. I have spent numerous hours on the phone with XXXX XXXX XXXXXXXX and XXXX and they each claim it was the fault of the other company. I feel like I am stuck in the middle of this squabble between 2 companies. I only signed papers for one policy. That was XXXX and the cost was {$370.00}. I am due a partial refund of the {$370.00} I paid. XXXX started this mess when they charged the wrong amount. {$730.00} when they quoted a much cheaper price of {$480.00}. The policy and the {$480.00} was the only thing I agreed to and I should not be held responsible for their mistakes. I can be reached at XXXX. My name XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, WI XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX XX/XX/2025 Caine & Weiner XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX, CA XXXX Subject : Cease and Desist Letter & Dispute of Debt Account # XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt associated with Account # XXXX that Caine & Weiner claims I owe. ** Under the Fair Debt Collection Practices Act ( FDCPA ) 1692c ( c ), I am requesting that you immediately cease and desist all communication with me regarding this matter. 

I do not recognize this debt and demand that no further collection attempts be made without proper verification. If Caine & Weiner believes this debt is valid, I request written proof of the original creditor, a full accounting of the amount owed, and any documentation that confirms my liability. If you are unable to provide such documentation, you must remove this account from my records and cease all collection activity immediately. 

Additionally, under my rights provided by the FDCPA, I am requesting that you refrain from reporting this disputed debt to any credit reporting agencies until full validation is completed. If this debt has already been reported, I demand its removal until proper validation is provided. 

Failure to comply with this request may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please confirm in writing that you have received and will comply with this request. 

Sincerely, XXXX XXXX
Product: Debt collection

AD Astra has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that AD Astra verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. AD Astra also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. The numbers are as follows, but are not limited to, because I have a very extensive call log from AD Astra : ( XXXX ) XXXX XX/XX/2017 @ XXXX, XXXX, XXXX, XXXX, XXXXXXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 @ XXXX @ XXXX @ XXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue. Phone calls from AD Astra needs to immediately cease and this account needs to be properly verified as requested above or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN I HAVE FILED REPORTS AND GIVEN PROOF. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation
Product: Debt collection

Aargon collection agency is trying to collect XXXX dollars for debt incurred in the state of KS. Debt was incurred in 2015 the statute of limitations is 3 years. Account is reporting as delinquent on one of XXXX, XXXX   or XXXX
Product: Debt collection

The charges are not itemized or explained. 
No documentation has been provided to justify the amount. 
The company is attempting to collect without proper validation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
This debt has been reported to the credit bureaus, harming my credit score, even though it remains unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ XXXX XXXX XXXX, reported balance {$1100.00} ] Dates associated with item being disputed : [ XX/XX/XXXX ( 3 years, 9 months ] Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. I stopedstoped using XXXX in XX/XX/XXXX as I didn't have any contract at a time, as I also was travellingtravelling XXXX to stay with my for awhile I stayed there for 3 years before I returned back in the states. 

Thank you for your assistance. 

Sincerely, 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 has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A StateXXXX : it also states a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX - XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting. 



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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Mortgage

Starting in XXXX when I became aware that my name was placed on my mother 's home by Wells Fargo I've tried every avenue I could think of. In XXXX, I stating with the XXXX of XXXX 's home retention program, they didn't know how to handle my case because I wasn't listed on the deed. I filed a complaint with the State Attorney General 's Office and they forwarded my complaint to this office. I then filed a complaint with the city of District Attorney 's Office of XXXX and they had me file a police report, just to find out no local courts to adjudicate Federally Chartered Banks. To stop the foreclosure process while still trying to figure out how my name got on the mortgage I filed a XXXX XXXX XXXX  because I believed by that being Federal at the creditors meeting Wells Fargo would have to explain how they were legally allowed to place my name on a property I don't own. XX/XX/XXXX, the property was sold at Sheriff 's sale for {$150000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a written request to Transunion for my free consumer credit report AND file, which they received on XX/XX/2022 and I am still waiting on correspondence.
Product: Debt collection

I never recieved anything in the mail stating I had a debt with this company, i received my first call from them in XX/XX/2019 stating i owed a debt and was late and they would soon start reporting on my credit. I asked the man to please send a letter validating the debt since I had no knowledge of the debt he was referring to, he proceeded to tell me they had already sent it and it was sent back to them, which is impossible since I never sent anything back to them. So he said they would send it again. By XX/XX/2019 I still had not received anything so XX/XX/XXXX I called and requested again for them to validate my debt and the man said it was to late so I asked to speak to a supervisor and the supervisor then told me I could dispute the debt and that they will send me validation in the mail by 30 days, which they did not. So XX/XX/XXXX I called and was told that they were still investigating and then I was told he closed out the investigation while we were speaking and that I would receive documentation validating my debt. To this day I have not received anything in the mail from them yet they are still negatively reporting to the credit bureaus on a debt they cant seem to validate.
Product: Checking or savings account

I got a legitimate text from Chime banking that said they stopped a suspected fraudulent purchase on XXXX, and wanted to know if it was me. The charge was {$12.00} for XXXX XXXX XXXX ' on XX/XX/2024. I called XX/XX/2024 immediately when I saw the message from the bank. The charge was fraudulent, it was not me, I did not make the purchase, my account had been compromised. I called them and the woman on the phone asked me what the problem was, before taking any information that can lead her to my account. She seemed to not understand her job, stuttered at me a lot, and refused to issue me a new debit card. Legally, if my account was compromised they are required to issue me a new card. Her reasoning was that the card was not " lost or damaged '' so there was no need for me to have a new card. Infuriating. Someone is trying to take my money and they are trying to let it happen. Please help me as they think this is a game. She asked me a lot of questions, like if I had allowed the card out of my possession. She left me on hold to get a manager and I was so upset I hung up and tried to take care of the problem myself, since she was incompetent.
Product: Debt collection

I, XXXX XXXX entered a consumer credit transaction with Honda Financial Services on XX/XX/2018, which involved a finance charge. Pursuant to 15 USC 1605 ( a ), a finance charge is the sum all charges in a consumer credit transaction and does not include cash. Honda Financial Services has collected monthly payments from me since XX/XX/2018, which is in violation of 15 USC 1605. Also, Honda Financial Services failed to include my auto insurance which is to be included in the finance charge, pursuant to 15 USC 1605 ( a ) ( 5 ). Honda Financial Services failed to disclose to me my right of rescission and provide me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights has been violated and Honda Financial Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k
Product: Credit reporting

I wrote to Transunion in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Transunion and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX District of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX District of Pennsylvania Bankruptcy Court supporting my position. I asked Transunion to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify it.
Product: Debt collection

I receive a letter ( attached ) from this collection agency.I called them on Friday XXXX XXXX at XXXX and spoke to " XXXX '', verbally agreed to pay {$50.00} every XXXX of the month starting on XX/XX/XXXX.which I did ( Money orders attached ) but they did not care and sent it to the Credit Bureau contrary to what we agreed verbally.this upset me and did not pay XX/XX/XXXX, so I am looking for help.
Product: Debt collection

it was a medical bill that was payed off they agreed to remove after payment
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/scrub> 2023 and XX/XX/scrub> 2023. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX I called Affirm to notify them of an unauthorized transaction to Booking.com. I had received an email of the loan purchase and I told them I did not make that transaction nor did I authorize it. They opened case # XXXX. On XX/XX/XXXX I received an email from Affirm stating that they completed their investigation and a resolution was found in my favor. It stated I will not be held responsible for the loans made in my name and the loans will not be reported to XXXX. They locked my account and I was told I would be able to later reopen the account once I secured the account and was able to provide my identity. Last year in XXXX I called Affirm to see if I would be able to re-secure my account. On XX/XX/XXXX they send me an email with a link to provide my documents for identity verification. I sent in a copy of my Driver 's License and did the biometrics as requested on their link. On XX/XX/XXXX I received an email from Affirm that stated I was able to recover my account and it is ready for use again. The email specifically states, " This means you can do everything in your account that you did before and you won't see any evidence of the unauthorized activity that occurred. Again, please know that you will not be held responsible for any activity determined to be unauthorized. '' Last week I tried to use affirm, but I was denied because they show that the unauthorized transactions are still showing on my account and they reported them to the credit bureau as charged off in XX/XX/XXXX. I provided all the emails to them that they stated I would not be responsible for those transactions, but they again locked my account and want me to re-secure the account by again sending in my Driver 's License and doing the biometrics. I do not feel comfortable providing that type of information again since I did receive the email from them on XX/XX/XXXX that they received my information and my account was secure. I feel that there is some type of fraudulent things within the company and would like to know where all my information that I provided them in XX/XX/XXXX to prove my identity.
Product: Consumer Loan

I have missed a payment on my vehicle loan and I am willing to resolve the issue. UAC keeps contacting me at work. I have asked them several times not to call me at work, but they said that does not apply to them. Is this true?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, my late husband opened up a XXXX credit card account for himself, under his social security number. He passed away intestate on XX/XX/XXXX. I informed XXXX several times that he had passed away intestate, and that I had not ever signed a credit agreement with them. 

Recently I was notified by XXXX that they had lowered my credit limit due to a delinquent credit obligation. I have excellent credit, and this was the first time I realized that there was something wrong.
Product: Credit card or prepaid card

I opened a Comenity Bank XXXX credit card account in XXXX. Consumer accounts were closed on XX/XX/XXXX by Comenity Bank due to their separation from XXXX. My last purchase on this account was XX/XX/XXXX. I continued to pay my remaining balance without ever being late. I paid off my balance on XX/XX/XXXX resulting in a {$0.00} balance. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2.00} stating this was interest due on purchases prior to XX/XX/XXXX. When I contacted Comenity Bank, they refused to remove the charge, threatened a late fee of {$41.00} if I didn't pay it, and couldn't explain why I was being charged interest on an account with a {$0.00} balance. The Comenity Bank supervisor I spoke with initially stated that the charge was because I paid after the due date, which was untrue. The balance was due on XX/XX/XXXX. I paid on XX/XX/XXXX. She then became combative with me. The impact on me is that I fear I will never truly have a {$0.00} balance with Comenity Bank if they are able to continue to charge me interest on purchases from prior years and to which I've already paid. As it stands, I have paid EVERY amount they've asked me to pay for the duration of this account, which includes ALL interest on EVERY purchase. When I filed a complaint against Comenity Bank with CFPB, they responded by violating my privacy rights and breached my personal information by sending CFPB 6 months of my bank statements WITHOUT my knowledge or permission. My statements showed my entire account number, address, purchased items, credit card information and other private data. I contacted Comenity Bank and they failed to respond to why they sent 6 months of my bank statements to an agency. Comenity Bank has charged me late fees for payments that were made several days prior to the due date.
Product: Credit reporting or other personal consumer reports

My credit score with Equifax dropped by XXXX points on XX/XX/year>, from XXXX to XXXX. This is the same day my bankruptcy came off of my record, after ten years. My credit score with XXXX and XXXX XXXX by XXXX points. 
I can not get anyone at Equifax to provide an explanation. I am trying hard to build my credit back up, and Equifax 's improper reporting is negatively affecting me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted several disputes by mail and have yet to receive any response or update to my credit reports. My disputes have not been investigated but constantly ignored and this is problematic. I have called by phone and still have not been helped properly. I am a victim of ID theft and not one of these companies have assisted me throughout my process that began over sixty days ago.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.