23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I went onto XXXX to buy some XXXX XXXX game tickets. I found a guy to buy them at the price I could afford. HE agreed. I had been texting with him and also talked to him on the phone before sending the money. I used Money Gram to send the money, and he is n't sending the tickets. I 'm out {$300.00} and {$11.00} for the Money Gram fee. I would like help in making sure this does n't happen to someone else.
Product: Credit card or prepaid card

Hi, Capital One Bank sent me credit card sign up information in mail saying that, I am already approved. However, when I did follow the instructions, I was declined card after making a hard inquiry to my credit report. This has happened twice and thus actually influenced my credit report in a negative manner twice. I would like at the least these hard inquiries to be taken away off my credit report. 

These inquiries were made on XX/XX/18 and XX/XX/2018. 

Thank You.
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, INNOVIS, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF THE FUSE AT PARK ROW APARTMENTS # XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Product: Debt collection

Im trying to file a dispute with WAKEFIELD AND ASSOCIATES Last reported XX/XX/2019 {$1600.00} XXXX XXXX XXXX Original creditor It will not let me this is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts with debt collector that have no relationship with or never done business with.
Product: Mortgage

Security National Mortgage ( SNM ) said I was good for a mortgage on property up to {$300000.00}. They wrote a letter to that effect. 

Before making an offer on the property, I called SNM and asked if they would lend on a property in a development that was more than 50 % non-owner occupied. I was told she would get back to me. I received a phone call stating, yes they would. 

On XX/XX/XXXX, I made an offer on the property, based on the information that SNM would loan to me on such a property. It was to be a conventional loan with a 25 % down payment.

I ordered an appraisal, a home inspection, and continued with plans to go out of state to see the property.

On XX/XX/XXXX we found out the property was not a townhouse, but rather a condo. 
I asked for rate quotes and received these on XX/XX/XXXX It took me a night to determine if I wanted to go ahead with the purchase, knowing it is a condo. I decided to do so. 

SNM sent me written loan approval on XX/XX/XXXX. 

The financing approval deadline, in the purchase contract ( of which SNM has a copy ) was XX/XX/XXXX. At no point did I, or my realtor, receive any indication there was a problem with financing prior to this deadline. 

One day after we were supposed to close on the deal, on XX/XX/XXXX, I hear from the loan processor that the underwriter said, This is not an eligible project. 

Having gone forward with this offer, based on information from SNM and their continued movement forward, for example, ordering a condo certification fee, I spent thousands. SNC never had to loan me on the property. When they learned it was a condo, they could have let me know they were not willing to finance it. Instead they kept moving forward, adding more fees passing the financing deadline ( so I lost my deposit ), waiting until the day after the property was supposed to close, to tell me they would not do the loan.
When I requested a refund of expenses I incurred based on information they provided, they said it was the realtor 's fault. Then they said it was the seller 's fault. They suggested I request my deposit back from the title company and even suggested it was my fault.
This shifting responsibility and pointing blame at injured parties would be humorous if it were not for the thousands of dollars SNM cost me due to their poor work and misleading information.
Product: Mortgage

The issue stems from the XX/XX/year> payment. It was submitted on XX/XX/year> the last day of our grace period. My husband inquired about the payment because it was taken out of the and a double car note payment was made in error and then reversed. 

We have since sent proof per the request of the mortgage company that sufficient funds were in the account in XX/XX/year>. The mortgage company is now saying they need to see more proof. We have sent two pieces of correspondence and every time we call they want to change whats required to prove funds were there. 

I have a security clearance and we are trying to purchase another home. This isnt helping us in anyway. They have terrible customer service and I am so glad we are selling this home. I dont know how they have grown to a size of this magnitude with the level of incompetence that they have operated at since the loan was transferred over.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have submitted the required documents, including a letter from an advocacy group assisting me as a victim of human trafficking through debt bondage. This situation qualifies as trafficking under the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ). 

I respectfully request that you block this information from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I urge the immediate removal of all related items and the deletion of any associated company information from TransUnion. 

Please proceed with removing the following items : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  was paid off in 2021. The information being reported by XXXX XXXX is incorrect. I have resolved this payment yet the negative reporting is affecting my credit score. 

XXXX XXXX repeatedly sends me offers to accept their credit card.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report details for the XXXX XXXX account, I identified the following inconsistencies : 1. Different Balances TransUnion reports a balance of {$4000.00} Experian reports a balance of {$4000.00} Equifax reports a balance of {$4000.00} The balance should be consistent across all bureaus. 
2. Different High Credit Amounts TransUnion lists {$10000.00} Experian does not list a high credit amount.

Equifax lists {$3100.00} The high credit should match the original loan agreement.

3. Different Charge-Off Reporting Dates TransUnion last reported the account on XX/XX/XXXX Experian last reported the account on XX/XX/XXXX Equifax last reported the account on XX/XX/XXXX The charge-off date should be uniform across all bureaus. 
4. Inconsistent Date Last Active Entries TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date of last activity should match the last payment date. 
5. Inconsistent Date of Last Payment TransUnion and Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date should be the same for all three bureaus. 
6. Disputed Status Missing or Inconsistent Equifax states Consumer disputes- reinvestigation in progress, while TransUnion and Experian do not mention a dispute. 
If the account is being disputed, it should reflect on all three reports.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent letters to TransUnion, XXXX, and XXXX requesting the removal of old, outdated, and incorrect information from my credit reports, but they have failed to respond or take any action. This negligence is highly concerning as it affects my financial standing and could harm my reputation with future employers and creditors. 

Despite providing proof of my correct personal information and identity, including copies of my Driver License, Social Security Card, and Utility Bill, the credit reporting agencies have not made the necessary corrections. This inaccurate reporting creates a misleading image of my credit history, suggesting I have lived at multiple addresses simultaneously with different phone numbers and employers. 

I demand that TransUnion, XXXX, and XXXX promptly remove all the incorrect information from my credit reports as it is damaging and misleading. Their failure to address these issues is a violation of the Fair Credit Reporting Act, and I expect immediate action to rectify this situation to avoid any further consequences on my financial well-being.
Product: Credit card or prepaid card

On XX/XX/19 i made an purchased with features 901 then 14 i returned all my items cause nothing fit then i asked for an exchange which i had to pay XXXX dollars different that i never received and the owner of this place accused me of stealing my own items
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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, credit repair services, or other personal consumer reports

1. Onemain- have ignored my request to provide me with validation that this debt was assigned or sold to a collector. I have call several times and was told because they no longer have the account, I have to speak to the collector but Onemain is the one that is reporting the inaccurate information on my credit report each month since XXXX. The collection agency is not reporting anything to the credit bureau. 

2. XXXX XXXX XXXX - In year XXXX, XXXX loan agree to take a smaller payment amount because I no longer had an income due to not working until I retired in XX/XX/XXXX. XXXX have inaccurate reported me delinquent for 276 days pass due. I received a phone call on XX/XX/XXXX from XXXX offering me a settlement of {$2900.00} but constantly reported to the credit bureau inaccurate information and remains charging me XXXX percentage interest. 

3. XXXX XXXX XXXX - have reported inaccurate delinquent payments transfer from XXXX XXXX XXXX XXXX during the bank merger between the two banks. This account was transferred from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX XXXX XXXX )- This account has been paid in full for XXXX XXXX XXXX. I was told by XXXX XXXX XXXX this account can be deleted but has to be done by the collection agency because the account was placed with them for collecting but they refuse to delete from my credit report.
Product: Credit reporting or other personal consumer reports

n 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.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I requested over 3 times for proof/verification that XXXX XXXX XXXX XXXX fraudulent/unverified account reported on my Credit report via Equifax is mine, and to be removed/deleted. I've submitted over 3 disputes letters requesting proof/verification that this reported account is mine and accurate. They continuously Failed to provide proof, but I see changes made to my credit account such as increase/decrease to my score, and date changes etc. How is that? I advised them multiple times this account isn't mine. Equifax continues to dismiss my request, and send me automated responses via their e-Oscar system. 

They clearly have No proof, and refuse to thoroughly investigate and remove/delete this fraudulent account from my credit report. Under the FCRA, failure to verify/provide me a copy of verifiable proof that I physically signed and agreed to this account, then you must remove the account. 

This a violation of Federal Law. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Credit card or prepaid card

Both Citizens XXXX and XXXX XXXX XXXX opened fraudulent accounts under my previous married name. Both cards were opened with high credit limits of {$10000.00} and {$23000.00} respectively. I wasn't aware that one card XXXX XXXX had been opened until I received a statement from the company and then the other card I realized had been opened when I checked my credit report and the locked my credit report. 

Since that time I received letters from the two credit card companies reflecting what I need to do the aid in the addressing my situation and I am preparing all that information which included a police report, reports filed with both the FTC and CFPB and the XXXX County Sheriffs Office XXXX Texas. I also have to provide my state issued drivers license and a proof of residence. I wrote letters to accompany all this information. 

Neither company has made a statement that they will dismiss the charges in writing and have indicated that I may owe the money at the end of their fraud investigation.
Product: Debt collection

Received a call on XX/XX/2020 @ XXXX pacific standard time. 

Annoying robocalls midday during work hours. Leaves message on phone with only few words left saying go to our website XXXX. Message doesn't disclose how to pay or pin number ( which is apparently required ). Never received any mail or such stating I owed any debt. I received one other call at roughly the same time on another day some time ago as well.
Product: Credit card

two months ago, I opened a credit card. There was an error because in two months later that credit card expired. The credit card company did not know it and they have not issued me a new one. I had to call them and ask him why it was declined. I can not make any transactions until I receive my physical card. Im the customer and they are the business and I feel slighted. What can I do about this? I already talk to their supervisor and they said theyre gon na submit a complaint and investigate. In the meantime, I dont have the money. What are my next moves to get justice? Sunbitcredit card. It was their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15.U.S.C 1681 section states i have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Vehicle loan or lease

Received a letter in the mail that I got approve for refinancing AUTO PAY! Prequalified saying it wont affect my credit. Scan and change my mind. Woke up next morning and saw numerous financial institutions pulling my credit i called each one. I called and told each one i didnt approve it. They told me to get with AUTO PAY. I called twice 1st time they told me they will pull my application due to error. I called the next day cause my credit was being pulled again. Next day a different story saying i apply. I said no i did the inquiry and repeated with previous person told me. I was hung up on like i was bother. This a true scam. I need to know my next step before i get a lawyer. I didnt up load no documents proof that was me or anything. The rate prequalified was still high i didnt go forward. I been scam.
Product: Money transfer, virtual currency, or money service

I initialed an ACH transfer from XXXX XXXX to Usaa Fed Svg Bank of {$10000.00} on XX/XX/2023. As of XX/XX/XXXX the money has not been posted to the USAA account and USAA can not give me anything in writing that I reported the lost money. 
XXXX XXXX has provided the control number to research the transfer which I gave to USAA on XX/XX/XXXX. USAA can not locate the transfer and can not provide information. 
Control number XXXX
Product: Debt collection

Yes i have paid this debt 2 times to two different company 's and they keep selling my information to different company and now there is a company calling saying that they are suing me and going to serve me ppw to go to court i have receipts showing i have paid this debt. The original creditor EZ-MONEY is no longer a United States company. So I cant get a hold of them anymore. The company that keeps calling me with a robo call and putting me on hold is from different number and names they say they are a courier service that wants me to tell them where i work to deliver me paperwork or to call this other number I call them and they are rude and want me to give them cc information. I refuse and they hang up on me. XXXX that's the number the caller id says XXXX XXXX The last time they called the caller id said XXXX same ppl and told me same thing. I have informed them that I paid it and offered to sent them the receipt and they refuse to accept it. Please help me they are calling about 8 times a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached letter has my issue and my XXXX Report number that was provided to XXXX XXXX that has unfairly increased my rates b/c of how XXXX reports revolving accounts. No one should be paying more for insurance b/c of XXXX  's reporting practices. Had they received their credit information from Equifax, who correctly reports that I have two installment accounts, my rates would not have been higher. XXXX also reports that I have 8 open revolving accounts, when in fact I only have two open credit cards. They include my credit limits of the closed accounts as available credit in their summary on my credit report and in the information they provided to XXXX which was then provided to XXXX XXXX. The " high credit '' reported is inaccurate. This has increased my insurance rates for the last 6 months. XXXX XXXX will not accept credit information from Equifax and therefore will not reduce my insurance or refund what they have overcharged me for the inaccurate credit reporting practice.
Product: Debt collection

Im XX/XX/XXXX I was served papers declaring that I was being sued by Credit Corp Solutions Incorporated for the amount of {$1700.00}. In Texas, where I live and am being sued in, the statute of limitations against debt collection states that 4 years to the date of last payment made to the debt is the timeframe in which debt can be sued for. The last payment made to this debt was XX/XX/XXXX. The date this debt citation claim was filed was XX/XX/XXXX. This makes the time of last payment to the relevant debt until the debt citation claim being made a total of 4 years and approximately 2 months. This is time-barred debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

report in accurate information says i had late payments XXXX and XXXX of XXXX & a repo in XXXX of XXXX. This is incorrect and wrong If you can see on my bank statements i have paid for XXXX in the XXXX statement I paid $ XXXX on XX/XX/XXXX and I paid $ XXXX, for XXXX on the XXXX of XXXX and XXXX i paid for that on the XXXX of XX/XX/XXXX I paid $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.