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

I made an international transfer 1 month ago through the Remitly app and the app shows that the money was sent, but in fact, the money never get in the bank account that I had sent. With a lot of difficulty, I finally had contact with the company through their chat, and talked for hours with one of their attendants who said that the company would contact me from 24 to 48 hours business, it has been 3 weeks, nobody from the company has contacted me so far, and nothing has been resolved, my money has not been returned either.
Product: Debt collection

Dear Sir or Madam : I am writing to complain of abusive debt collection tactics used by Cavalry XXXX, addres : XXXX XXXX XXXX, XXXX CT XXXX, and to request that you investigate this matter. 
Cavalry XXXX began contacting me about my former credit card XXXX XXXX account # XXXX. The last payment for this account was made on XXXX, XXXX and the balance was {$2300.00}. 
Cavalry ' abusive collection tactics included : Calling me at XXXX XXXX and after XXXX XXXX 
Emailing me with the request to pay them {$3000.00} ( copies of emails are attached ), without any verification or validation of the debt, and proofs of debts ownership. 
Threatening me with the legal actions to collect unverified debt. 
Continuing to contact me after I wrote them and told them to stop. ( Copy of letter enclosed. ) Billing me for {$3000.00} when my ending balance was {$2300.00} on my account. 
Cavalry never submitted the proof of Ownership of this debt. If they bought the debt from XXXX XXXX XXXX, they must submit me Bill of Sale or other document of purchasing this debt and that it has the right to collect this debt. All they ever mailed me that are XXXXXXXX XXXX XXXX  Statements, that are only proved that I owed money to XXXX XXXX, not Cavalry. 
Cavalry did not submit any document who it is, what right it has to conduct business and collect the debts in Pennsylvania, state Licenses, etc Cavalry is trying to collect a debt for the fraudulent, stolen account from me without any documents to proof to support its claim. The bank statement of fraudulent account that was submitted to me is not a proof. I'm avictm of Identity theft. In XX/XX/XXXX I was robbed and my purse was stolen, with Credit Cards, Driver 's License and Social Security card. I reported right away to XXXX XXXX Police Department, address : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. After that I got many unauthorized charges on credit cards from Arizona state. I have never even been in Arizona. I have a lawsuit with XXXX XXXX XXXX that they are do not remove fraudulent address from my credit report. 
Also, my debt with XXXX XXXX is too old. 4 years of Statue of Limitation have passed in XX/XX/XXXX. It is illegal to demand a debt when the statute of limitations expired. 
Please see attached correspondence from me and Cavalry. Again Cavalry did not produce any proof that I owe the debt to them, Bill of Purchase, Licenses and other legal documents, supporting its demand. Without these kinds of documents, Cavalry is a scam. 
Very truly yours,
Product: Debt collection

My XXXX XXXX XXXX  showed a derogatory account that I owe I.C System Inc. {$2300.00} stemming from XXXX XXXX XXXX XXXX. I spoke with I.C. System, and was told to file a report of fraud. I only use XXXX for my internet and that bill is deducted monthly auto pay from my bank account. It appears someone is using my information. I need to have this removed. XXXX said I need to submit a report with FTC.Gov, in turn that site directed me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX. I wonder why XXXX, Experian and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and Im completely clueless as to why. I regularly check my report, but this time, out of nowhere, there were discrepancies. I even tried refreshing the browser, thinking it might just be a glitch, but nothing changed. The wrong accounts stayed there. This is why Im requesting a thorough review of the documents I've submitted so I can put this issue behind me and stop worrying about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed a credit freeze with One of the main 3 credit reporters. This was because I received a letter in the mail saying my old company I worked for XXXX had been hacked in XXXX and they just now found out. I signed up because my info is on the dark web, i have been hacked earlier in the year, and a car and insurance from XXXX was purchased. I still am seeing credit inquiries nearly everyday that I am not familiar with at all and nobody is calling me to verify if it is me! Please remove all ( HARD & SOFT ) of these inquiries from my reports and freeze my credit now. If the Inquirer DOES NOT HAVE MY WET SIGNATURE, OR IDENTIFICATION WITH THE APPLICATION. ACCORDING TO FCRA SECTION 604 THEN IT IS NOT VALID ... I AM DEMANDING ALL INQUIRIES BE LOOKED INTO FOR PREVIOUS 2 YEARS FROM TODAY XX/XX/XXXX. 

THANK YOU, XXXX XXXX
Product: Debt collection

I currently have a debt that is impacting my credit report that I have no way of paying back to Portfolio Recovery and Associates. This debt was originally contested as fraud but was dismissed. At the advice of Portfolio Recovery. I tried applying for a permanent hardship because they assured me that they wanted to and were capable of helping me, but it was applied as just a temporary hardship from XX/XX/21 to XX/XX/21. I applied for the permanent hardship because my wife was diagnosed with XXXX. I supplied the documentation showing such, but the Portfolio Recovery responded by stating that since I, the borrower, am not the one that was diagnosed with the illness than my situation can not be categorized as a permanent hardship. This is most definitely a permanent hardship situation. I can only work part time now because I have to tend to my wife as the XXXX attacks her. The bulk of my income goes to paying the bills ( rent, XXXX XXXX XXXX food, water, etc etc ) and my wives medical bills. It is cold and callous of Portfolio Recovery to say that my wife and partner being diagnosed with XXXX is not a permanent hardship. This is a hardship to all of us that are helping my wife through this terrible time. This is not anything that will be cleared up anytime soon. This mark on my credit is hurting us from applying for a credit card and so that it may give us a bit of breathing room in the months that I come up a little short on the bills. Please re-examine this and see that I truly am in a permanent hardship at this time. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : 1. The following account is not mine XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items, thereby removing them from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly eliminated. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. Additionally, I request that you notify any party who has received a copy of my credit report within the past six months about the corrections made. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX
Product: Credit card

I was involved in an automobile accident XX/XX/2022 and became XXXX going through XXXX XXXX with XXXX XXXX XXXX with total loss of income. Had payment protection on all my credit card accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all have Credit Protection Plans and was triggered. All the listed credit bureaus were inform and failed to apply the protection as violation of Federal Trade Commission Act ( FTC Law ), Violation of Credit Protection Act, Truth in Bureaus reporting act, and violation of Federal truth in credit disclosure act. All lates and deragoratory informations be remove immediately as matter of Federal and State law. I am disputing all lates, charge off, and balances. Requesting a full refund for misrepresentation and breached of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required XXXX to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. XXXX response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the XXXX requirement as prescribed in the following FCRA laws. It appears that XXXX received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. XXXX act of deception was still out of compliance because XXXX mailed it outside of the XXXX window for the first dispute, and XXXX committed fraud in the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons  investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section.
* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In  general. Subject to subsection XXXX f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

This concerns case # XXXX. We contacted Wells Fargo again today. There seems to be good news. I had my son XXXX XXXX speak for us. He spoke to someone at Wells Fargo named XXXX. XXXX has agreed to review this whole case anew.
Product: Credit card or prepaid card

I checked my balance on my XXXX XXXX XXXX with Bank of America and the transactions shown that a XXXX cash withdrawal was made on my account the last time I used my card was with the bank at a different location
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX, HAS VIOLATE 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 report agency can not furnish a account without my written instructions.
Product: Debt collection

Need this account removed from my credit reporting for all bureausas it is paid out at {$100.00} confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through XXXX, I immediately disputed that fraudulent inquiry with XXXX and a few days later with XXXX XXXX XXXX as well. I believe that on the XXXX or XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Subject : Complaint Regarding Inaccurate and Inconsistent Credit Reporting of Student Loan Account To the Consumer Financial Protection Bureau : I am filing a formal complaint regarding the inaccurate and inconsistent reporting of a closed federal student loan account ending in XXXX, previously serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and now overseen by XXXX and the U.S. Department of Education ( ED ). These issues are ongoing despite multiple attempts to resolve them, and they violate the Fair Credit Reporting Act ( FCRA ). 
Details of the Complaint 1. Inaccurate and Inconsistent Reporting Across Credit Bureaus The reporting for this closed student loan account is inconsistent and inaccurate across XXXX, Equifax, and XXXX : Account Open Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : Not reported Date of Last Activity : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : Not reported Account Status : XXXX : Transferred Equifax : Paid XXXX : Not reported These discrepancies directly violate FCRA standards for accuracy, consistency, and completeness in credit reporting. 
XXXX. Failure to Provide Complete Payment History Despite multiple requests to XXXX and ED, I have not been provided with a complete payment history, including : The dates and details of missed or late payments. 
The date of first delinquency. 
The date the account became negative. 
The dates of last activity and last reporting. 
Without access to complete and verifiable records, I can not determine the accuracy of the reported information or address these inconsistencies effectively. 

XXXX. Suspected Data Loss or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is no longer in operation, and I believe the transfer of this loan to XXXXED may have caused data loss or reporting errors. The continued refusal to provide supporting records or correct the discrepancies further compounds the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX
Product: Debt collection

On XX/XX/2021 I the consumer and natural person was violated and had my property seized and stolen from me by and unauthorized third party by the name of XXXX XXXX. I have never had any prior business or interactions with this company nor have I ever gave this company consent to take possession of my private property. I am in fact the entitlement holder for the property and I demand I be returned. This company received an order from XXXX XXXX XXXX to take my property due to non payment but it is a fact that this vehicle was paid of pursuant to 16 cfr 433.1, 16 cfr 433.2, and 16 cfr 433.3. This vehicle was 100 % paid off from XXXX XXXX  XXXX XX/XX/2021. After it was paid off, the dealer sold this contract to XXXX XXXX XXXX XXXX. This notice is for XXXX XXXX and XXXX XXXX XXXX. XXXX XXXXy request a copy of the alleged agreement between this company and look at page 3 section 2 ( c ) It states " This secures payment of all you owe on this contract ''. Also there was a cease and desist placed on this on vehicle XX/XX/2021 at XXXX ( the recording will be attached ) Notice to agent is Notice to principle, Notice to principle is notice to Agent This is a formal notice This is a Cease and Desist I am the consumer pursuant to federal law 15 usc 1692D I am the administrator, and executor. You all have violated 15 usc 1692B ( 2 ), 15 usc 1692C, 15 usc 1692D ( 1 ), 15 usc 1692D, 15 usc 1692E, 15 usc 1692F, and most importantly 15 usc 1692G ( c ) I am the consumer of the united states and I dont owe anyone anything and this is written notice that I refuse to pay any and all debts until you all provide me with federal laws that state that I am responsible for paying any debt and written disclosure that I gave you stating that I want to do business with either of you, ( contracts that where purchased do not suffice as written agreements between XXXX  XXXX  or XXXX XXXX XXXX XXXX ). 
Return my property to me!!
Product: Checking or savings account

Yes I opened an account at wells Fargo Bank with A fairly Large Cashier 's Check in the amount of. XXXX dollars the only large withdrawal I made was in the form of a cashier 's check for the amount of XXXX dollars. I did withdrawal another XXXX from the account which left me a balance of XXXX. All of the sudden I am receiving a letter that my account was being closed. Their is no way in God 's Creation this should have happened. The dates I am referring to are from XXXX XXXX to XXXX XXXX. These are the dates I can remember. I did go into the bank and inquire about this but never received an answer nor was I shown and withdrawal receipt that this money was taken out of my account. The Wells Fargo manager supposed to start an investigation but I was never informed of the results nor was the missing money returned to me or proof provided I authorized and further transactions.
Product: Debt collection

Debt Collector : LVNV FUNDING LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX balance : XXXX After reviewing my credit profile. I identified this inaccurate fraudulent account under Eastern Account System. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a 2nd validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in brining LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character.

15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C.

Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Please strike and remove this account from all 3 credit bureaus ( XXXX, XXXX, and XXXX ) XXXX adequate validation has been received proving that the account belongs to me and all information is correct
Product: Credit card

I made an attempt to use my care credit synchrony card. The card declined. Since I had auto payments and additional payments, I called to find out why on XXXX XXXX. I was informed that my promotional interest fee has expired, I had a fee of {$1500.00} or more added on my account. I was told that I would be granted an extension to pay the amount in full, the interest charge would be reversed. I immediately applied for a personal loan to pay the balance. The bank was unable to process my loan until the XXXX of XXXX. I called synchrony to inform them that I had been approved for a loan to pay my balance, they would be mailing it out on the XXXX of XXXX. It was the best I could do at this time. I waited til this week, I called again when I noticed the interest fee was not reversed. I was told it was declined because my extension was expired, the fee would not be reversed. I am a mom of XXXX, work full time, explained I can not afford this interest charge. I called to communicate with updates on payment progress, told it would be noted and made great effort to pay my balance as soon as possible with a personal loan.