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

I received a call from the XXXX XXXX customer service number XXXX they introduced themselves as XXXX XXXX with the fraud dept, gave me a case number and badge number. Said there were multiple attempt to transfer funds from an IP address from my account. They were, blocked but they had me long in to verify they had not posted. To secure my account I was requested to use zelle to hold my funds in a pending state while the set up new account information. I was assured they would remain in a pending state and no funds would transfer. By using the friends and family option those funds would be immediately released back to my account and this was the only way to hold them in a pending state. I had never used Zelle so i was entirely unfamiliar with the process that company had in place. This was 20 minutes into the call. Everything seemed legit, I had just had  fraud charges attempted a few days prior through a gopuff.com website. This call seemed no different than the one I had placed a few days prior. I assumed the bank was keeping an eye on my account due to the recent fraud. The man on the phone was american, friendly, reassuring, and knew enough to convince me he was the bank. He walked me screen by screen through the process of the zelle transfer using XXXX XXXX at XXXX as a test account contact. When I told him that showed me a name of XXXX XXXX, he said they needed to use a different contact of XXXX XXXX at XXXX for the test account. I was assured no money would be transferred, but the amount had to be high enough to flag and ensure my notifications would alert me in the future. I was hesitant but he was very reassuring. Given how this transaction was posted there is almost XXXX chance I will get my money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Date of Inquiry XX/XX/XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT ARE REPORTING TO MY EQUIFAX CREDIT REPORT AS FRAUDULENT. IT IS IN THE ATTACHMENT CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the evening of XXXX XXXX, 2017 I phoned Experian to remove two addresses that I am not associated with and inquires that I did n't recall authorizing. They refused to investigate and told me they can not do anything. I must call each creditor and ask them to remove the inquiry. I asked what if the creditor does n't respond, the rep said just keep trying.
Product: Credit card or prepaid card

On XX/XX/2021, I bought a flight ticket ( XXXX XXXX ) for my cousin XXXX XXXX XXXX, using my Discover credit card on XXXX ( travel agency ) website. The ticket fare was {$1000.00}. 
We reached airport on XX/XX/2021 at XXXX XXXX  to check in the flight, but the XXXX XXXX agent mentioned that there were issues with the XXXX XXXX transit and did not allow my cousin to check in the flight that evening. My cousin 's father ( XXXX ) passed away in XXXX and she had to travel. Because of the flight agency, she could not see the last rites of her father. Also, the agent from XXXX XXXX confirmed that the ticket is cancelled and the refund will be issued through the third party travel agency ( XXXX ) We came back and requested the travel agent XXXX ( Confirmation # XXXX ) for the ticket refund. They did not give me refund saying that we did not show up at the airport. 
I called my credit card ( Discover ) and claimed for the ticket refund. They took 30 days for the claim process and still did not give me refund for the ticket that was not used.
Product: Credit reporting or other personal consumer reports

I have tried to dispute items on my credit report and Experian sent what looks like a stall tactic letter instead of providing me with investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I started a dispute with Experian letting them know that they are reporting several accounts and addresses on my credit report that I have no knowledge of. I also let them know that they were reporting addresses that never belonged to me. Experian never validated the debt and never updated my addresses to remove addresses that I've never lived at. I requested that they remove addresses XXXX XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX XXXX XXXX NE XXXX. 
I reported that I did not recognize several accounts and asked them to verify that I opened these accounts with my own signature. The accounts are as followed 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} They did not investigate properly nor did they validate this debt with my original signed document opening these accounts.
Product: Credit reporting or other personal consumer reports

Regarding the account XXXX XXXX XXXX XXXX  XXXX on my Transunion Credit Report : Transunion received a complaint XXXX the CFPB regarding an account on my credit report, and Transunion opened a dispute XXXX I was notified of the dispute results, which showed that the account was delinquent. Before the complaint, the account was not reported as delinquent. 

Also, my rights have been violated. Per FCRA Failing to list a disputed debt as disputed is an FCRA VIOLATION. Once you dispute a debt to a credit reporting agency, they must report that debt as disputed on your credit file and in your credit reports. Also, suppose you dispute a debt to XXXXne of the three major credit reporting agencies ( XXXX, TransUnion, or XXXX ). In that case, that particular agency must notify the other two bureaus that you dispute the debt. Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA.
Product: Payday loan

Ihad borrowed XXXX dollars from Big Picture loans, they had sent me a paper that told me how much interest I would be paying for this amount.I was going to have to pay XXXX total for the total payments. They have already taken XXXX dollars out of my account before I knew what I was going to have to pay.This is robbery charging XXXX for a XXXX loan. Ineed to get this issue taken care of, but do n't know what to do.Iwill have to close my checking account until I get this interest rate taken care of I would appreciate your help.
Product: Debt collection

I purchased a vehicle with my husband in XX/XX/2012 from XXXX XXXX XXXX/XXXX XXXX. At the time it was purchased it spent 2 of the 3 months in their shop due to issues with it. When I finally had enough I was told to surrender the car and that I would not be responsible for the remainder of the debt. I begin driving to the location to surrender the vehicle and the transmission went out. I told them such. they sent a tow truck who I lead to the car and surrender it to them. I heard nothing else. XXXX XXXX XXXX has gone out of business and the owner has reopened under a new name. I heard nothing further regarding the vehicle per our agreement until this time when the owner changed his name and presumably sent a bunch of old debts to collection. Suddenly I have Knight adjustment Bureau sitting on my credit report for a car that was # 1 a lemon, and # 2 the contract was fulfilled on. I have reached out to them via their website, their phone number, the XXXX, and disputed with every credit bureau to this I have received no response. I would just like it removed from my credit report as it is not a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I have noticed fraudulent accounts and inquiries that are holding me back from moving forward with my credit and helping my daughter getting a better school and also a better school Districk and a house for my daughter and my family due to my credit and my credit profile and was reporting on it and also my consumer reports below is a list of inquiries that must be removed permanently in indefinitely due to the fact, they are fraudulent as of identity theft INQUIRIES LIST XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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. 

XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX,XX/XX/XXXX Account # XXXX, XX/XX/XXXX Account # XXXX,XX/XX/XXXX Account # XXXX, XX/XX/XXXX Account # 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 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: Vehicle loan or lease

Good afternoon, my situation is as followed : I paid on my vehicle loan for 7 years via autopay through PNC Bank. Apparently, the very last vehicle payment is supposed to be paid via check or other source, but is not paid via autopay. I was unaware of this, as all of my other payments were under autopay for 7 years. Sometime XX/XX/XXXX I saw my vehicle loan payment had not been taken out of my bank in XXXX, so I assumed that meant the loan was fully paid off. Well, this was not the case. I received an email from PNC Bank XX/XX/XXXX stating my account was past due. I immediately called PNC Bank and spoke with a male associate who stated he would put in a request to have the late fee removed, but stated I had to wait a few days to pay my last payment. I called PNC a few days later and spoke with a female associate who stated the late payment should be removed and that this thing happened all the time at the end of a loan, due to the last payment not being autopay. The PNC associate stated I should have received a bill in the mail for this last payment. In all honesty, if I did receive a bill from PNC I would have thrown the piece of mail away without opening it, as I would have just assumed it was my monthly statement- NOT a bill. For the past 7 years I have received a statement every month from PNC Bank regarding my payment being autopaid so I stopped opening these since they were always the same. Anyway, once I became aware that I still owed 1 payment, I paid it. I paid my last vehicle payment XX/XX/XXXX and then I received a notification from credit reporting that I had a late payment tagged to my credit report. My credit report was greatly impacted by this late payment. I would like to have my case reviewed as I never once submitted a late payment in 7 years of paying on this loan and then this happens the very last payment. This was all a big misunderstanding and now my credit score has been greatly affected over all of this. I had excellent credit until this negative hit from a late payment that I had no idea about.
Product: Mortgage

Re : Case # XXXXXXXXDear Select Portfolio, I received a copy of your letter to the NC Department of Justice. I do not agree with your explanation of what caused this satisfaction certificate to be filed in XXXX. You maintain that the note was canceled in error by XXXX, the owner of XXXX, is the original lender on the loan, in XXXX. 
XXXX initially disputed having canceled the loan and referred me to XXXX, who they claimed I should contact, as the signer on the certificate was XXXX XXXX, is an employee of XXXX. 
XXXX has denied servicing a loan in the name of, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC XXXX. 
SPS has stated repeatedly that they have serviced the loan since XXXX, and sent the payments to XXXX XXXX XXXX XXXX. 
I have information from XXXX XXXX XXXX saying they held XXXX files in their vault until XXXX. At that time they returned those files to XXXX, and that SPS was the servicer. 
XXXX XXXX XXXX has written that they have not received any payments from you on that loan, and that no payments were due them. So how was the certificate of satisfaction filed in their name? During recent conversations with XXXX XXXX XXXX, they still say they had nothing to do with this. 
XXXX XXXX XXXX has had a change of heart. They previously said that SPS was not their servicer when the loan was satisfied. Now it appears they are admitting that SPS fka XXXX XXXX was. 
XXXX stated that they did not cancel the mortgage. If they had did it in error, why did they continue to deny canceling it, and are now trying to change what they have said? 
There appears to be a conspiracy in progress here.
Product: Student loan

On XX/XX/year> I got a letter from MOHELA saying my PAYE plan was due to expire soon. They say in the letter that they are required to give a 95 day notice prior to the anniversary day of my income driven repayment plan. 
The letter was dated XX/XX/XXXX and I received it XX/XX/XXXX via email. The letter then said that my deadline was XX/XX/year>. That is a not 95 days and is actually 10 day notice. I panicked and recertified by uploading a tax return. Now I want to withdraw my recertification because I should have gotten 95 days. I also am aware that all recertifications are paused and many other people got this same generic letter with the 95 day statement and then a deadline that was well within 95 days. I cant afford for my payments to go up if they can stay the same for the time being. They tricked me into recertifying early with no 95 day notice if the deadline was truly XX/XX/year>.
Product: Credit card or prepaid card

I have {$3900.00} in back child support on my account that the equick pay eppic prepaid Master card company will not release to me. My child 's father contacted me in XX/XX/2019 and told me he been paying on him back child support for two years now. ( I hardly received any support from him threw out our daughters whole life. Eventually I gave up on him helping support her I just forgot she had a father and raised her by myself ) I have not received any of that money because I didn't no he was paying it. I called the Cleveland Ohio Child Support hot line to check and see if he really was making payments and yes he has been. I contacted the Ohio Equick pay EPPICard and ordered a new card. They sent me the card. I called to activate the card and it sent me to the fraud department they told me to email them my State ID. I did just that I then received a email back from they stating they received my email and the problem with me account will be resolved in 48 hours. However it was not resolved and I still have not received my money. I call them everyday and no one can tell me what's going on with my account or what to do next. At this point I don't know what else to do. That is alot of money and I don't understand why they will not release my money to me ( Ohio Child Support now goes threw a different prepaid card company. That prepaid card company that I now receive my child support payments on had almost {$3000.00} of back child support payments on it before I called them for the first time to order a card. They sent me my card with all my funds on it without a problem )
Product: Credit card or prepaid card

I signed contract for XXXX membership in XXXX XXXX, after 5 and half hours revising the term, XXXX forgot to write my address in the contract so they added the address in the contract after signing the revised contract, after getting to hotel I realised the contract is not in English and my two down payments transactions {$2800.00} and {$320.00} ( {$3100.00} ) is only {$2100.00} so next day I called XXXX to cancel the contract I was told to Dispute the charge and after getting the dispute from your bank we will cancel it so I disputed the charges on X/XX/2017 with Pentagon credit union and on X/XX/2017 submitted exhibits and drafted a letter explaining the situation via email to my bank, since then my dispute still in que and still nobody was assigned to it usually after submitting the Dispute in two days with name and phone number of person and within 10 days I get previsional credit and the dispute it may takes 30 days to resolve but according to Pentagon credit union had merger with other banks and they are backed logs and my dispute is setting there with nobody assigned to it ( X/XX/2017 ) and this is violation of our terms with Pentagon credit union, the bank canceled the credit card and issuing another one due to thinking that XXXX is commiting fraud because I paid {$3100.00} but in the contract only showing {$2100.00} and term is written in XXXX and XXXX are waiting for my bank to submit the dispute to cancel the contract, but no dispute had been send to XXXX yet.
Product: Debt collection

Have sent multiple emailed and letter by the USPS that these debts are inaccurate. I have contacted the provider XXXX XXXX XXXX XXXX and they also confirmed these are not correct. As I had XXXX XXXX on the line we tired to 3way call XXXX with no luck.
Product: Debt collection

I have received notice from my insurance scored was downgraded based on the collection action listed on my credit report even thought I have previously disputed this matter with the credit reporting agencies, The information provided is inaccurate, I have also provided proof of the 60 days of noticed an payment through the required period, when I was contacted by a rep of the company alleging that a cleaning fees was also included, I even agreed to pay the said the fees, although it's a made up fees granted they provided me an invoice for the said fees only ; however I never heard from CAPTSTONE since. 

I signed a 7 month lease and agreed to pay a higher rent rate while my house was being build, as required I provided the rental office ass instructed when I signed my lease with my 60 days notice via the portal with my rent payment on XXXX XXXX XXXX and although I vacated the apartment in XXXX I pay the rent through XX/XX/year>. 

I have attached all the supporting document, please advise if you need additional information. 

Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX  XXXX - XXXX - {$590.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.