23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

i funded an overseas account for trading stocks and was promised an account that would return 80 % back after loosing 100 % I requested that the money be returned per the agreement. and got no response from the merchant and for approximately 15 days was afforded no help from Netspend on the status of my remaining funds. in the interim Netspend classified it as a fraud charge when I specifically told them it was for a product trhat did not live up to the claims of the merchant. after 2 months and many emails the merchant finally returned my call and stated that the bank & lt ; Netspend had disputed the charge and they were waiting for Netspend to take the funds back as it was classified as a charge back and yret was still sitting there. upon informing Netspend of this I was told it was under i investigation and would not be resolved until another 3 months time. I will attgach all correspondence that I have had with Netspend and their failure to even acknowledge my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXX, XXXX, XXXX, XXXX. As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt.

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt.

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY.

As codified by federal law these accounts must be closed and must be r
emoved as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.
Product: Credit reporting or other personal consumer reports

My family has had to jump around a lot from home to home due to personal short comings, losing our home several years back. We've had to stay with family members, family friends and sometimes sheltering for multiple days at a time. I lost a lot of my personal information during this process. In the midst of it all someone has opened multiple accounts in my name and with my information my credit has been ruined and used without my consent to open accounts i didnt give permission for. I am unable to use my credit for essential things that I need like an apartment, phone, a car or even personal loans to make ends meet. I am devestated and saddened to know that someone has done this to me. Please help with assisting to getting these items removed from my credit file. I know my rights as a consumer. 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. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I, 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate.. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO I, 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/2020 My consumer right has been voiolated according to 15 us code 1681 ... .. inaccurate information is listed on my report which should be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get an inaccurate bankruptcy removed from my credit report numerous times. I have filed multiple disputes and have requested multiple times method of verification in regards to them verifying bankruptcy. I have attached letter from bankruptcy court showing that they do not have a bankruptcy listed under my information nor do they provide information to credit reporting agencies. I have submitted a copy of email from XXXX advising that they do not verify information to third party agencies. I have finally attached report from XXXX XXXX advising that they have deleted the inaccurately listed bankruptcy on my report as they were not able to verify. This then begs the question of whether the credit reporting agency is actually investigating my many disputes. They have deleted information as well as numerous other inaccurate information that was appearing in my file that belong to another individual. Once again I request a method of verification of how the credit reporting agency is verifying this inaccurate information. I do not believe the generic response of " third party agency '' is appropriate as I have reached out to third party agency and the court house itself. I want inaccurate bankruptcy   removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I have been diligently trying to get my account corrected for the past 10 years I have been identity theft victim and XXXX, transunion and XXXX has been making my life a total Nightmare my personal information is inaccurate my credit report is inaccurate I can prove who I am and have sent several messages to them have all disputes on accounts disputes on inaccuracy of the information that they have publicly no response no solution I do it every month how to dispute nothing 's being done and still keep giving me the same response I need someone to help get this Right
Product: Credit reporting or other personal consumer reports

The accounts that I am disputing are fraud accounts, they were due to identity theft/fraud. they do not belong to me an di did not authorize anyone to furnish this information especially FALSE INFORMATION AT THAT! Remove these asap! I will give you a chance to properly investigate before i reach out to the better business bureaus and my state atttorney general office.
Product: Credit card or prepaid card

" I have an overcharge of {$250.00} on my current balance. I do owe {$480.00} for purchased transactions as of past XXXX statement XXXX. Upon review ... ..here 's the breakdown ; as of XX/XX/XXXX, my purchases amount totaled {$440.00} minus refund from XXXX XXXX of {$94.00} and my payment credited {$150.00} on XX/XX/XXXX. Then, i subtract {$240.00} minus {$440.00} with a remaining due {$190.00}. I submitted another payment was made in amount of {$440.00} on XX/XX/XXXX. Transactions from XXXX and the XXXX XXXX totaled {$930.00} minus that payment of {$440.00}, credits/refunds of {$2.00}, {$11.00}, {$27.00} as of current period ending XX/XX/XXXX. Current balance owing is {$480.00} and NOT {$730.00}. Please reView and adjust my account immediately. ''
Product: Debt collection

I have repeatedly told the debt collector ( I.C. SYSTEM, INC ) from XXXX, Mobility that I have not had an account with XXXX for XXXX years and that the debt they are trying to collect from someone does not have anything to do with me. They are continuing to cause me to spend time which I am sure they can see where the phone service they are attempting to collect for was set up and where the phone was used. They should involve law enforcement in an attempt to find the person who stole their service and not continue for years harassing a person who has absolutely nothing to do with this account and has absolutely no association with the address they are stated the service was for.
Product: Debt collection

On multiple occasions I have advised Receivable Recovery that they are attempting to collect on a debt the does not belong to me and May have stemmed from Identity theft. It is absolutely upsetting that someone can steal my information and this company harass my life for a debt that was not incurred my me. I have sent over documentation numerous times for the fraud department to review in reference to this account. But the collection agency continues to make false statements saying that they cant view or read the documents. The address on file is an address that I have NEVER been associated with. And the orthodontist who has sent this file to your office is an orthodontist that I have NEVER been associated with. 

I have been in the military and enlisted XX/XX/XXXX and didnt leave from there until XX/XX/XXXX and during this timeframe I was stationed in XXXX XXXX, VA. I am unsure of when this account was established but it was DEFINITELY not me and I ask that this falsified information be removed from my credit report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/2021 I contacted the offices of Credit Management , LP to speak with a representative regarding a collection account listed on my credit report. While speaking to the agent and asking questions regarding the account she continually became upset. I asked several times was there someone that I could contact via email she then intentionally disconnected the call in the midst of me speaking. Before hanging the phone up in the middle of the discussion I tried asking for her name and or representative credentials, she declined. She repeatedly asked me to verify an account that Ive notified Credit Management and the original creditor XXXX XXXX was a fraudulent account. I also spoke with a fraud department representative of XXXX XXXX who asked for a police report that I could not provide because I no longer reside in XXXX and the police department here in XXXX notified me that the account is too old and the police report should be filed in XXXX the original state where the fraudulent account was opened. Ive asked Credit Management on numerous occasions for validation of this said debt whether it be my signature on any original documents or my drivers license along with any documentation proving that I did intact open this account with XXXX XXXX. None of this could be provided to me. This would be my fourth attempt at handling this derogatory account with both the original creditor and the collection agency. Ive filed a previous complaint with the CFPB which in response Ive noticed an update on XX/XX/2021 where the account is now being listed as closed with a balance on my credit file, not removed. However, although they ( Credit Management has closed the account according to my credit report I received a letter today dated XX/XX/2021 from Credit Management regarding payment on this now closed account. Ive spoken with several different representatives of Credit management and Ive also reached out to XXXX XXXX on XX/XX/2021 to resolve this matter. To which each attempt has been unsuccessful. Although this debt is not mine and nor can any documents be provided for validity of this information Ive offered to settle the account with the hopes of having the account permanently removed from my credit report for inaccurate and not factual statements, this was also denied.
Product: Money transfer, virtual currency, or money service

To whom it XXXX concern, My name is XXXX XXXX. Hope all is well. On XX/XX/2023, I have made a transaction to bank in XXXX ( XXXX XXXX ). As soon as I realized that I made a mistake in the transaction I recalled a wire back. It all happened within XXXX hours. I went to Bank of America XXXX in New York and the manager recalled the wire promising that the money will be back to my account within a week. The recalled amount is EUR XXXX. Since that time I didn't receive any money back to my account. Bank of America is telling me that the last time they have been in contact with XXXX XXXX in XXXX, 2023 when they said that the money have been sent back to my account. I have been calling to my bank couple times per month but they still telling me that I have to wait because they have no response from the other bank. please I will really appreciate if you can help me with my case because I don't know where my money is. My case number at Bank of America is XXXX. 
Thank you
Product: Credit card or prepaid card

This is in relation to the purchase of a stale food leading to family members having XXXX and indigestion followed by eating the unhygienic food from the restaurant. 

Transaction Amount - {$70.00} Date of Transaction - XX/XX/2019 Credit Card company - Capital One Case number - XXXX Capital One has still made the dispute settled in merchant 's favor even though merchant has provided no proof as merchant copy of the sales receipt wherein I have approved the transaction. 

Merchant has approved the cancellation and is now refuting the fact that they cancelled the transaction. Merchant is known for following malpractices in the area.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists I am writing to follow up regarding my recent dispute of the account listed on my credit report as SPRING OAKS CAPITAL LLC. After my initial dispute, I received your response indicating that the account has been verified as accurate and updated. However, I am challenging the verification process and requesting a detailed reinvestigation of this account, as I firmly believe this is not an account of mine and remains unsubstantiated. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Please provide me with the following : Detailed Information on the XXXX Process : The name of the individual or organization that verified this account. 
A description of the specific steps taken to verify the accuracy of this account. 
Complete Validation from the Furnisher of Information ( SPRING OAKS CAPITAL LLC ) : Any evidence that proves this account is mine, including account opening documents, contracts, or agreements bearing my signature. 
Proof of the date the account was opened, the original creditors name, and a detailed accounting of the debt. 
I believe this account was inaccurately verified, and I demand a reinvestigation. If you can not provide sufficient evidence that this account belongs to me, I request that it be removed from my credit report immediately. 

Please note that I am keeping detailed records of all correspondence related to this matter, and I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities if this issue is not resolved. 

I look forward to your written response within 30 days, as required by the FCRA. You may contact me should you need further clarification regarding this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXXXXXX XXXX XXXX Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

After paying a half of the loan over $ XXXX they reposed the vehicle i been paying {$400.00} every other week but the point is they put the vehicle on someone else name i asking several times to change the name but they said is impossible my payment was due yesterday but I asking again if they can change the name on the vehicle and the response is NO so the lady XXXX XXXX said if you don't want the vehicle bring it back I said am working right now and she start screaming and treated me so bad asking for the address we're i leaving and I said you have the address on file and she said they pick up the vehicle today XX/XX/year> but they pick up the vehicle on XX/XX/year> leaving me sooo far from home with all my belongings and I have cash money on the vehicle the point on this is i just trying the persuade they to change the vehicle on my own name but instead they just let me with no way to move loosing all the money I all ready pay I been treated soo bad for this lady I have to beg supplicate her to keep the vehicle but for sure they just want the vehicle to resale i know they to this to a lot of people
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a copy of my report from Innovis on XXXX XXXX and was told I would receive a report in a few business days ( see copy of email below ). As of XXXX XXXX XXXX I have not received a copy of report nor explanation of delay. 


Dear [ Name withheld ] Thank you for ordering your Innovis Credit Report. You can expect to receive your credit report in the mail within the next few business days. 

Below are the summary of your rights under the law. 
Federal FCRA Summary of Rights : https : //www.innovis.com/pdfs/fcrasummaryofrights.pdf Sincerely, Innovis XXXX Assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have 3 negative inquiries that have violated my rights the name follows as XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 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 an account without my written instructions
Product: Student loan

I initially took out a private loan in XXXX or XXXX from Sallie Mae which has since become Navient to attend XXXX University ( school no longer exists ) in XXXX, MN. My grandfather who has since passed away cosigned on the loan for me. I made steady payments on the loan for a few years and not only did the loan amount never decrease, it has increased over time. I then saw that a lawsuit was brought against Navient and was able to see a list of schools that were in connection with the suit. XXXX XXXX  was on the list. I called to inquire about it, and they were not forthcoming with information on how to get this loan forgiven. I understand that the customer service rep would not be encouraged to tell me how to get my loan forgiven but this loan has been hanging over my head for XXXX years. I would like some guidance on how to get it forgiven, I can not afford the payments and the constant phone calls and threats to contact my employer are becoming worrisome. I'm looking to see if there are any options to get this loan forgiven.
Product: Debt collection

The bank called XXXX XXXX XXXX  XXXX to pick up the vehicle illegally with the intent to sell it. Not in agreement to the terms and conditions of the contract, notice, or law. Theyve exhausted their chances to produce any evidence of ownership or being the creditor in accordance with the Administrative Procedures Act.
Product: Vehicle loan or lease

The company XXXX XXXX XXXX XXXX located in XXXX, TX XXXX will not remove the inaccurate item from my credit report along with complaints and remarks thats affecting my credit worthiness.
Product: Mortgage

Talked to a truist rep today and she could not explain why my escrow to my new payments will be {$1300.00} for principal & interest and {$480.00} for property insurance making my monthly payments {$1700.00} monthly. She was telling me about my home insurance being part of my escrow which is not true, that is not part of the escrow being part of the mortgage payments. Property values are reported to XXXX XXXX assessment company by the mortgage company for yearly payments. You reported my property description as a lot size of XXXX worth of XXXX and the size of my land is XXXX. Why I am paying property taxes for a property worth {$370000.00}? {$480.00} come to XXXX in property taxes yearly. My monthly payments should be {$1300.00} plus {$280.00} x XXXX = {$3400.00} property taxes yearly and no shortages, in fact, some should be in a suspense account, for my property taxes should just be {$3100.00} yearly. You stated that you were taking too much of property taxes out and you had reanalyzed my payments to {$1600.00} back in 2020 now you want to bring it back up to {$1700.00} monthly, am I making monthly mortgage payments to my VA account or to XXXX of your account holders with a XXXX car garage last name XXXX.
Product: Money transfer, virtual currency, or money service

I called PNC right away and gave them all the information they could use to go after the fraudster. They couldnt care less. They deserve to be prosecuted and held accountable as they were absolutely UNINTERESTED in getting the fraudster. The FRAUD department was a JOKE.