23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter that looked very official from XXXX XXXX XXXX with an account number and website to pay the amount in collections ( outstanding balance was about {$1100.00} ). 
I paid {$600.00} before I read down to the bottom of the letter. I paid off a debt to XXXX XXXX XXXX XXXX via XXXX XXXX XXXX in XXXX. 

I tried to stop the payment from going through after I realized that I was probably the victim of a scam, but the payment went through within 3 minutes. The following morning I called XXXX XXXX XXXX and spoke with someone by the name of Mr. XXXX. I told him that I thought payment was wrong and that I had already paid off XXXX  XXXX, and that I wanted my money back. He said he could not refund my money without talking to XXXX XXXX and that he couldn't just take my word for it. I asked him to call XXXX XXXX while I was on the phone so that we could clear this up and get my money back to me. He said he couldn't do that, because the verification from XXXX XXXX had to be requested via email. I told him that I had never heard of that being a reason. I called him a liar and he hung up on me. 
I called First South to inquire and see if I actually had an outstanding balance that I was not aware of and if not, would they call the XXXX XXXX XXXX  company and help me get my money back. 
The XXXX XXXX Representative told me that they do not use a company by that name, and that my debt was paid off in XXXX of XXXX  through XXXX. That is the information I needed. 
I called XXXX XXXX back, and I have left at least 5 messages and have not been able to speak to a live person. 
The phone numbers I have for this company are XXXX, XXXX which is supposed to be the number for XXXX XXXX, but it takes you to the same voice message.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan is with XXXX XXXX I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called XXXX XXXX twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call Transunion to report the incorrect information and the report came back that the information was correct and I sent the receipt from XXXX XXXX they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.
Product: Checking or savings account

Last month my husband wanted to add a new puppy to the family. So we looked online and found a website that had XXXX XXXX The page was very detailed with lots of information reviews. We paid a deposit through XXXX {$250.00} then another {$600.00} when we had the money. Later on they said that we would have to send an additional {$1500.00} because the kennel wasnt good enough. This is when red flags went up and we refused to pay the extra {$1500.00} the major shipping company did not take credit or debit so that through us off as well. They also sent us a tracking flight and shipping details which looked very legit. So now were out {$850.00} we filed a claim through usaa and they said their was no error which we think is bs because itS clearly fraud and a scam. Basically we were told to go talk to the people we tried to by the puppy from the people who scammed us. They blocked us on everything and we can not contact them what so ever. We also contacted local police in that area. I also searched photos of the dog after and found it on a real breeders page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Debt collection

I have asked National Credit System to validate a collection they are reporting on my credit reports. On XXXX/XXXX/XXXX I asked National Credit System for a contract with my signature. On XXXX/XXXX/XXXX I receive a letter saying 'We regret you have failed to make suitable arrangements concerning the above reference account '. On XXXX/XXXX/XXXX I again ask Nation Credit System for a contract with my signature. On XXXX/XXXX/XXXX I receive a letter showing me a plain old bill. They have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit card

Received a credit card statement which indicates an increase to the credit card balance due to applied interest, despite a timely payment made for the prior credit card statement. No charges have been made on the card, as the card has been closed for over a year. Additionally, a prior payment should result in a slight decrease to the remaining balance due. I have suspected for some time that this credit card company is engaging in fraudulent practices to prevent consumers from reducing and eventually paying off their credit card balance.
Product: Credit reporting or other personal consumer reports

" I am formally disputing these credit inquiries as they were made without my explicit authorization, violating my rights under FCRA 1681b and 1681c, as well as the Graham-Leach-Bliley Act. These sections require permissible purposes for inquiries and accurate reporting, which have not been met. Additionally, FCRA 1681i and 1681s-2 guarantee the accuracy and completeness of credit information. My rights have been violated, and I demand the immediate removal of these unauthorized inquiries to correct and ensure the accuracy of my credit report. Failure to address this issue promptly will compel me to consider further action. ''
Product: Credit reporting or other personal consumer reports

OneMain Financial clearly states Ithat I could check to see if I was approved for a perso AL loan without hurting my credit score. Unfortunately there are two accounts on my credit report where OneMain Financial has blind side consumers with false advertising. This is an act of fraud and I like to has them investigated for deceiving me as a consumer. I never submitted an application for a personal loan. It states check to see if you are pre-approved without hurting your credit. Also I would like an attorney to file a law sue for false advertising.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX has been drastically impacted by a fraudulent account that has appeared on my report. This account was opened without my knowledge, creating an inaccurate picture of my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, This is my third attempt to have my credit report to read correct and accurate information. I recieved coorespondence thru the mail stating the accounts were verified and updated. The documentation used to conduct their investigation where not included. Even after saying the information was verified and correct Once I viewed my consumner reports none of the information was changed. All 3 credit bureaus have inaccurate and incomplete information on the accounts. They even have different data from eachother listed on the accounts. I've called multiple times and even sent emails to the CEO. They continue to report inaccurate and incomplete information even after saying it was verified and updated. In regards to Accounts - XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  # XXXX. i HAVE ATTACHED THE CREDIT FILE WITH EACH INACCURACY CIRCLED AND NOTED. I HAVE ALSO ATTACHED THE LETTER THAT I SEND VIA EMAIL TO THE CEO. XXXX XXXX AND EXPERIAN ALL REPORT DIFFERENT INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION If, after any reinvestigation of a minor item under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,
Product: Checking or savings account

I have XXXX different claim complaints numbers because my card was being used by someone else without me knowing until it was too late. It happened mainly in between XX/XX/XXXX to XXXX XXXX, I shut the account down but by then it was all gone. In the month of XXXX I had {$18000.00} deposited into my account. When I shut it down on XXXX XXXX I only had {$660.00} left. I have no idea who it was and the bank will not give me any evidence to hold anyone responsible. I asked for camera pictures of the atm withdrawal or anything at all for them to decline my refund and they will not. I did go to police and the police in my borough didn't do anything to help either. I called state police and they told me there's nothing they can do. No one will help me! One of the " atm '' withdrawals were addressed to a residential house in a different county and still they can't tell me anything about it. I had my card the entire time but they are saying my card was present for all the transactions and atm withdrawal but that IS IMPOSSIBLE! I HAD MY CARD ENTIRE TIME! Another reason I was not aware of it being used unauthorized. I need someone to help me! I need someone to take me serious! Please...
Product: Credit reporting or other personal consumer reports

I cant get approved for any loans, apartments, or anything else because Equifax is reporting inaccurate and incomplete information.They are reporting that I paid on time for a XXXXXXXX XXXX XXXX  account in XX/XX/XXXX and 60 days late for XX/XX/XXXX which is only 30 days later.They also have no payment history for XX/XX/XXXX XXXX they are reporting Im 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX which is 60 days later. They also have my date of first delinquency as XX/XX/XXXX but say I paid on time that month as well, which one is it? It cant be both. For a XXXX XXXX XXXX account they report I opened it in XX/XX/XXXX but has no data available for payment history until XXXX XXXX reportinging my date of first delinquency was XX/XX/XXXX but have no data available for payment history until XX/XX/XXXX. How can they say I owe anything when they cant even provide certain data? That is DEFAMATION.of my character.For another XXXX XXXX account they are reporting im 60 days late 3 months in a row, XX/XX/XXXX to XXXX XXXX they report im 90 days late in XX/XX/XXXX. How can I be 90 days late 3 months later in XXXX if I was already 60 days late in XX/XX/XXXX? They have no date available for XX/XX/XXXX but are reporting Im 120 days late in XXXX and 180 day late in XXXX XXXX are they to assume that I missed 60 days of payments from XXXX to XXXX when They have no data available for XX/XX/XXXX? They are reporting my date of first delinquency is XX/XX/XXXX but are also saying I was already 60 days late on my payments 3 months before in XX/XX/XXXX XXXX a XXXX Credit account they have no date available for XX/XX/XXXX to even be able to properly determine anything.They are reporting I paid on time in XX/XX/XXXX but saying XXXX also 60 days late XX/XX/XXXX which is only 30 days later .They are reporting my date of first delinquency is XX/XX/XXXX but also that I was already 60 days late on payments that month XXXX report XXXX 120 days late on payments on XX/XX/XXXX but 150 days late in XX/XX/XXXX which is 60 days later. Who are they to assume anything when they dont even have any data available for XXXX XXXX are saying it is an auto loan which is false .You will remove these accounts or I will sue you for violating the FCRA .This is harassment and abuse, EXTORTION, DEFAMATION of character and a breach of privacy.
Product: Money transfer, virtual currency, or money service

Since XXXX of XXXX I have traded stocks on the online website Robinhood.com with no issue. However, when I recently tried to withdraw funds from my account for a vehicle repair, I found that all of the options to withdraw money did not work. Bank transfer, wire transfer, check, etc were all listed but none of the functioned. I have over {$4000.00} sitting in my account that I am not able to access. This is an online fraud scheme to defraud investors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a student loan from XXXX XXXX XXXX with the credit bureaus that was unfamiliar to me and they have came back verified. I received a promissory note in the mail which I signed but it was never with XXXX XXXX XXXX. The promissory note that I signed agreeing to the loan is with XXXX not with XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX was working with Rocket Mortgage on the purchase of a new home. XXXX XXXX ( XXXX, XXXX XXXX ) in Rocket Mortgages closing department reached out on XX/XX/XXXX  letting me know he would be handling our closing paperwork and making sure we were clear to close. This appears ligament. Once we were clear to close ; closing was handed off to Rocket Mortgages closing department with XXXX XXXX XXXX XXXX, XXXX XXXX ). The last correspondence with XXXX XXXX was on XX/XX/. 

On Monday XX/XX/, I received and email from what appeared to be XXXX XXXX but I unfortunately did not catch the incorrect email nor change in phone numbers in the email. This person who I will refer to as XXXX for XXXX XXXX XXXX ( XXXX, XXXX XXXX ) posed as XXXX knowing my closing was coming up this week on XX/XX/XXXX   and requested that I do a Wire Transfer on Monday XX/XX/2023 ASAP so the fund would be at the title company XXXX XXXX XXXX XXXX for when we signed our closing paperwork today, Thursday XX/XX/2023. 
I did not get to XXXX XXXX XXXX, XXXX, Ohio office until right before XXXXXXXX XXXX. We setup the wire transfer to occur Tuesday XX/XX/2023 morning. XXXX XXXX XXXX  processed the transfer around XXXXXXXX XXXX on Tuesday XX/XX/2023. We even email the real XXXX XXXX at Rocket Mortgage that the wire transfer was in flight and monitor for it which he acknowledged. 

On Thursday XX/XX/2023 at XXXX XXXX XXXX XXXX, signing the closing paper work it was mentioned about the wire transfer and we let them that it happened on Tuesday XX/XX/2023. The XXXX XXXX XXXX went looking for the funds and it was not received. Then upon investigation we discovered that we had been fraudulent financially scammed out of down payment. 

We have all the email to back this up. I appears that Rocket Mortgages email system has been hacked. Why do I say that. I have emails from XXXX XXXX and XXXX XXXX where they stated that they were having email issues and emails were not received. When the emails were resent then they were received on the second try. This is likely where the Hacker intercepted ( my suspicion ) these emails. Also the email received from XXXX on Monday had many details that would otherwise not have been know and XXXX did a very good job of making this look like a valid and real wire transfer. 

Please contact me at XXXX for with any questions, details and documentation. 

At this point as of XXXXXXXX XXXX XXXXXXXX on Thursday XX/XX/2023 we are without the funds from the wire transfer. 

Amount of the wire transfer was $ XXXX dollars.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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: Checking or savings account

XXXX SUBMITTED ON XX/XX/2021 Ive submitted a complaint before and thought this was going to be settled. The Chime company was supposed to send me a refund now they have reneged on what they said they were going to do. I am reopening this until this gets resolved. I am trying to get my money back from CHIME. The reference number is above. I just want my refund that is owed to me. I cant get hold of a live person all I can do is email them which I have several times. Ive tried to tell their member services that I am supposed to get a refund and I still havent received it. Then they tell me Im not getting one when they admitted their was an error on their part. I want my refund like they said they were going to do. I sent them a copy of the email that I got from consumer financial to show them what their own member services team said that there was an error on CHIMES part and that they would send me a refund. Now Im getting a hard time getting my refund. If they continue on this path of not returning my refund Im hiring an attorney to sue them. I have all the documentation to prove about money.
Product: Checking or savings account

I had my account closed on me by Citi. So I waited 4 month before contacting Citi about balance refund cause I have not received it. There responce was they would investigate and get back with me with no timeframe to give me. This after my first call telling me I had to go to a branch even though there are no branches in my state or any neighboring state.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding TransUnion 's unreasonable and frustrating process for freezing my credit. Despite logging into my account and verifying my identity, I was required to provide my Social Security number again and fill out additional forms to complete a credit freeze. On top of this, accessing customer support took an excessive amount of time, with no resolution in sight. 

These barriers make it unnecessarily difficult to exercise my right to protect my credit, and I find this process unacceptable. I am requesting that the CFPB investigate TransUnion 's practices and ensure that consumers can complete credit freezes without such undue hardship. 

Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/XXXX I have Obtained a vehicle from XXXXXXXX XXXX XXXXs located in XXXX Texas. The company that, financed the vehicle was called credit acceptance. The vehicle was a XXXX XXXX XXXX with XXXX miles. Sometime later, I noticed that the contract was done in Fraud. I let XXXX out theres no this and theyve yet to give me a favorable response. And this still shows up on my credit report file after they have the vehicle. As of today they want {$18000.00} for the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem was that I got a letter in the mail saying that Equifax can not assist me with all my Disputes because of unable to locate a credit file or right address. but when I check my credit file my right address is on my credit report with Equifax I send out Disputes 3 times NO RESPONSE
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Debt collection

Have been trying to get hold on them But never had the opportunity! Pls lets get to a agreement I can do payments I had been XXXX to work for health problems but I believe I can fix this, im open to negotiate