23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good afternoon.

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of this item. 
account : XXXX. 

I do not have an account with them. Please remove from my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a remittance of {$300.00} to my fiances uncle in the XXXX to forward to my fiance, who is currently working in XXXX. My fiances name is XXXX XXXX, and the uncles name is XXXX XXXX XXXX XXXX. On my receipt from World Remit, it states that the funds wouldnt be available until XX/XX/XXXX. When I inquired about this to World, I was told that it was sent and received by XXXX XXXX  on the XXXX. The amount was sent to his bank account at XXXX. This money was sent to help pay my fiances rent was actually due on the XXXX, but i had to send another XXXX because her landlord required it and the balance on the XXXX. I talked to World on the night of the XXXX upon getting off work. They instructed me that I needed to get a bank statement from his account showing that it was never received, and both of us have a copy of that statement. World also requested a proof of deposit from XXXX while I was still on the phone. XXXX since has sent that to them. I keep getting the run around from these 2 companies. World says it sent, and XXXX says it's deposited, however it has never showed up in his account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding and statement of purpose the credit reporting agencies XXXX, Equifax and XXXX as all violated my right to privacy under section ( a ) ( 4 ) with no regard for fairness and impartiality.

Per 15 U.S.C 6801 ( a ) XXXX, Equifax and XXXX violated the laws of Congress by not protecting the publication of my nonpublic personal information. These three agencies all have the obligation to respect the privacy of its consumer and to protect the security and confidentiality of my nonpublic personal information. These instances of negligence as caused harmed to my Family financial well-being.

Based on 15 U.S.C 6802 ( b ), I will opt out of all financial institution no longer disclosing my nonpublic personal information to XXXX, Equifax and XXXX that are all nonaffiliated third parties. My financial institutions never disclosed this to me at any time in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party reporting agencies. 
I should have been given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties ; and given an explanation of how I can exercise my rights. 
If the reporting agencies does not intend to ensure my privacy, due to malfeasance. I have the right to seek remedy under 15 U.S.C 1681n, Civil liability for noncompliance.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these accountsunder Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance {$880.00} - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX. I co signed a vehicle for XXXX XXXX. He filed for bankruptcy on XX/XX/XXXX. But he settled with the vehicle loan company, Westlake Financial, for the vehicle and bought it. Everything was finalized by XX/XX/XXXX. XXXX sold the vehicle on XX/XX/XXXX to a company, XXXX, after an accident. However, assuming since he bought the vehicle and received the title that it was going to be off my credit. But recently I came to know that the loan was never removed from my credit report. We spoke with Westlake Financial and they claim they have stopped reporting the vehicle loan since XXXX. I tried disputing this with the credit bureaus but they are claiming they cant find my account. I would just like this vehicle loan of my record so I could continue to use my credit.
Product: Debt collection

On XX/XX/XXXX a summons was improperly delivered to my property address and given to a tenant who is not a family member or relative whom I do not live with and when delivery after knocking on door and handing a summons not in an envelope and not to myself. 

This debt is also being challenged by XXXX XXXX who has been asking for debt validation unsuccessfully from the creditor and there is a Lack of Standing in that the debtor creditor relationship not being one and the same. When debt collectors are contacted by me the many entities involved do not have any proper information about the debt, or proper dates or amounts from the original debt that was a credit card that was closed in or around XXXX and therefore the statute of limitations may have also expired and the amounts of the debt tripled according to the summons and debt collectors who are demanding a response and attempting a default judgement.

I have been under duress and I am a XXXX XXXX XXXX connected XXXX XXXX and I am being tracked by phone from an outside source such as XXXX tracking device and followed and spied on. All for a credit card debt. 

I am just coming out of a place of hardship and we have been assessed at my condo for XXXX XXXX XXXX and I am also recovering from XXXX Covid scare. 

Sending someone to my condo unannounced and delivering these documents improperly at my condo ( btw I can not always stay there due to the amount of work that is major at the building ) and large assessments has caused me XXXX and I need it to stop. 

Also the original debt belonged to XXXX XXXX XXXX  and the debt collectors are Attorney XXXX XXXX and XXXX XXXX and XXXX  ( or whoever as I can not get straight answers from them and I have had to spend more money now to initiate a letter to the courts to stave them off. 

Also the XXXX XXXX company I have been dealing with for two years has completly dropped the ball when I notified them this was happening and said they can not help. I have spent two years paying them {$120.00} for over two years in order to resolve these debts and only to find they can not do what they claim. I would like a full refund. This is such a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCIES ARE REPORTING ME LATE PAYMENTS IN AN ACCOUNT I HAVE OPEN WITH XXXX  Loan # XXXX when all my payments have been punctual to date, Due to that information that is in my credit reports, my creditors have lowered the credit limit on my cards, which is directly affecting my credit history. I contacted Prosper and they state that the information that has been reported to the agencies credit has been positive and they have never reported a late payment since all payments have been made on time XX/XX/XXXX {$410.00} {$220.00} {$190.00} XXXX XXXX  XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$230.00} {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$210.00} {$200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$170.00} {$240.00} XXXX XXXX XXXX XXXX.. XXXX
Product: Mortgage

My mortgage was previously with XXXX XXXX XXXX and they sold it to BSI Financial as of XXXX XXXX, XXXX. My mortgage had been in the foreclosure status previously with XXXX XXXX XXXX due to my husband being XXXX and not getting paid. We were working with XXXX XXXX XXXX to get the mortgage current. We finally received the documentation and total amount due to get the mortgage current. We did not receive this information until XX/XX/XXXX therefore the total amount of {$14000.00} was sent to BSI Financial on XXXX XXXX, XXXX, which made our mortgage current and out of foreclosure. We have been trying since XX/XX/XXXX to get information from BSI Financial on our loan details. They are not sending us statements or giving us any information. We filed bankruptcy in XX/XX/XXXX and have continued to make our mortgage payments with XXXX XXXX XXXX since then. Now BSI is telling us they will not send us statements because our home was included in the bankruptcy yet we have continued to pay it and was reaffirmed. My husband had to send a letter to BSI Financial requesting monthly statements and also he had to say that he understood they were for informational purposes only. We have been trying to make our XXXX XXXX house payment which is what is due. We have gotten nothing but the run around from BSI Financial. They keep saying our house is in the active foreclosure process yet the payments are current. I have called numerous times, left numerous messages and no one returns calls. I have owned my home for 18 years and have escrowed my homeowners insurance now this new company is telling me that I ca n't do that. When I told them that I wanted the money back that had been escrowed through XXXX XXXX XXXX for my homeowners insurance, I got ignored, the customer service person tried to change the subject. I told him that they were stealing my money if they did not return it. I was then told that they would have to do an escrow audit and they would return any property tax overages. This is not the property tax escrow money, it is homeowners escrow money, XXXX different things. I did not seek this company out to service our mortgage. I want to make my house payments yet keep getting jerked around. I try to go onto BSI Financial 's website to make payments and I get locked out. I call to get it unlocked again, no response. This company needs to be shut down they are taking advantage of people that had no choice in using their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw this company who I've never heard of nor had an account with. I tried to call no answer voicemail. So they said email or text I did both. I XXXX  them it's says it's a rental assistance program. I'm a XXXX  XXXX government assisted client and can apply for any other program. They said on the CR that high balance XXXX $ my rent has never been XXXX XXXX I've disputed with all 3 agencies.
Product: Credit reporting or other personal consumer reports

My id was stolen and much of the so called debt is due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment, and I was asked for my employer to complete an employment verification. My employer completed it and submitted the application for processing. However, my application was denied based on a report from the service work number. According to XXXX ( the property management company ) stated that I am not entitled to the report. Although, it's a consumer product that generated a report, and there was an adverse action. 

On XX/XX/2021, I proceeded to try to obtain the report through Equifax Work number 's website at https : //theworknumber.com/solutions/consumers/employment-data-report. The service is fully automated. It is impossible to pay for the report unless you are a business subscribing to their service. If your employer is subscribed to the service, they have to provide you with information to enter their portal employer participates in the service. I work for a small family-owned business, and they are not participants in this service. 

I later downloaded their form and emailed the completed form to the address on their website with a copy of my license and paystub ( XX/XX/2021 ). I have not received a response. I want to know why the work numbers website is not accessible if they provide my financial information and taxes and have no access to it. 

I would like to have some assistance with this time-sensitive matter because the decision is based on erroneous information. I would like to have an opportunity to see the report and dispute any inaccurate information.
Product: Credit reporting or other personal consumer reports

There are several accounts on my credit report listed as a charged off, which means that the company has written off that debt as a loss the debt has been reported to the IRS I should have received a XXXX form from the IRS for the balance that I owe since the companies wrote it off as a loss so I'm disputing these charge-off accounts For the this reason alone. I never received a XXXX cancelation of debt form and because of that, this account or these accounts should be deleted. This is a violation of 15 USC 1681EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

One particular issue is that I have disputed that my auto loan with XXXX XXXX XXXX XXXX account number ending in XXXX was supposed to be in good standing with no missed payments. Please see attached letter from XXXX XXXX XXXX XXXX. Which is just one of the issues I have with them for not making sure my credit reports are accurate when Im constantly calling and even speaking with supervisors.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, AL XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Current Address ( XXXX ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been back and forth with all 3 credit bureaus XXXX, XXXX and Equifax disputing a XXXX wireless account since at least XXXX of 2022. Ive disputed the account online and have disputed it by certified mail twice. Basically XXXX says I owe a balance I dont owe. I have an email from them showing they were supposed to apply a credit to my account which they never did. Ive explained this to the credit bureaus ( XXXX, XXXX and Equifax ) sent them the documents and they never remove the account simply because XXXX says I owe it. When Ive shown them in writing they agreed to apply a credit Im owed and they never did. Also proving I dont owe whats being said. The only resolution in this case would be to remove the account from my credit report. I will attach the photo of the email I sent them ( again proving the account is wrong ) along with the balance sheet and the most recent certified mail receipt. Showing Ive made every effort to resolve this matter.
Product: Credit card

On XX/XX/2016, I bought an electric dryer from Sears. I needed a gas dryer so when they came to deliver it, they said I bought the wrong XXXX and it was returned to sears. I then bought a gas dryer. At the end of the month, I receive a bill for the gas dryer and electric dyer. I called sears and said I never received the electric dryer because I have the gas dryer and they said they would remove the charge. The next month, the electric dryer charge is still on my bill. I called again and they said they would refund the purchase. Basically every week since that month, I have been asking Sears to remove the charge from my account since I never received the product and they promise to fix it and do nothing. Meanwhile, I m being charged interest and late fees on a product that I have never received. This is the only charge on my sears card and I refuse to use my card until this is settled. I have even started recording my conversations with sears as I am planning to take this to court if it is not resolved by the end of the month. It has been XXXX moths since the date of purchase and they have yet to resolve their mistake.
Product: Debt collection

Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX XXXX XXXX.
Product: Credit card or prepaid card

This problem refers to Chase Amazon credit card and XXXX XXXX credit card online payment processes. 

I noticed for the first time ( I have paid online for decades ) that the payment amount choices presented while paying online have changed. 

These changes are potentially confusing to consumers. 

I suspect the changes in payment choices are designed to trick consumers into not paying their credit card balance in full and thus accruing interest payments. 

These are the changes I found on XX/XX/2023 while paying my bills : The simple choice of " Statement Balance '' as a payment amount has been eliminated. 

Now there is a " Remaining Balance '' choice after a " Minimum Due '' choice.

If the consumer does not pay attention and thinks " Remaining Balance '' is the same as " Statement Balance '' and does not notice that it is not the entire statement balance appearing on the current statement bill which the consumer is attempting to pay, then the consumer will have a balance due and owe interest on the mistakenly unpaid amount.

On one of the cards, the " minimum Due '' plus the " Remaining Balance '' did not even add up to the statement balance on my current statement.

I paid the statement balance in full by putting that amount in the " Other Amount '' choice.

Credit card companies need to return to listing " Statement Balance '' as a payment amount choice for consumers paying their credit card bills online.

The changes appear to be an attempt to trick consumers into paying less than their full statement balance and thus accruing interest because the choices are confusing.

Clarity and transparency in consumer financial transactions are vital to protect consumers from fraud and deception.

What I have described above is a deceptive practice by Chase and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of XXXX accounts from US Dept of EdXXXX that appear to be duplicates on my credit report. The accounts in question are : XXXX. Account # XXXX : Balance : {$5300.00} ( reported across all three bureaus ) Last Active Date : Experian : XXXX XXXX : XXXX XXXX : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by XXXX ) XXXX. Account # XXXX : Opened Date : XXXX Balance : {$6900.00} ( reported across all three bureaus ) Last Active Date : Experian : XXXX XXXX : XXXX XXXX : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by XXXX ) These accounts are clearly duplicative and contain conflicting and erroneous information. The discrepancies in balances, late payment reporting, and the duplication of accounts negatively impact my credit profile and need to be addressed immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of duplicate accounts with differing balances and late payment histories constitutes a violation of this statute. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of duplicate and inconsistent accounts can also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inaccuracies and duplication of accounts may also be in violation of 15 U.S.C. 1692f, which forbids unfair practices in debt collection.

Request for Immediate Action : In light of these violations, I am requesting the following actions : XXXX. Validation of the accuracy of these accounts ( # XXXX and # XXXX ). 
XXXX. Immediate removal of any duplicative or inaccurate information from my credit report. 
XXXX. An updated copy of my credit report reflecting these corrections.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer + trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit card

Continuation of claim # XXXX and XXXX, both now listed as closed. American Express refuses to return funds stolen from my bank account, presumably by American Express employees. American Express continues to disregard concerns, and refuses to address missing funds. American Express representatives refuse to speak with me regarding the theft and fraud perpetrated upon my account by American Express employees. American Express refuses to to participate in the recovery of my funds beyond admitting they stole them and applied to another members account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.