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

Purchased  XXXX   XXXX  on  XXXX   XXXX  for {$4800.00}. After a couple weeks they froze my account and say that Im unable to purchase after doing business with them for a couple years.  <P/> In addition I made on sell order on the   XXXX   XXXX   when the price of  XXXX  fell from  XXXX  down to  XXXX . During that time I was unable to gain access to the site to complete the transaction until the price had recouped. Many users are experiencing similar issues on the   XXXX   support website.  <P/> Here are just a few of the other companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I was really caught off guard when I saw the inaccurate accounts on my credit report this morning, with no explanation for how they got there. I regularly monitor my report, but today, these discrepancies suddenly appeared. I even tried refreshing my browser, thinking it might be a temporary glitch, but nothing changed. I am now asking for a detailed review of the documents I've submitted to ensure this problem is permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency Common Wealth Financial 
account XXXXfor $XXXX and XXXX for $XXXX
I have talked with this company and advised that this is for me and that they have no bill nor proof of my DL id or signature. I have disputed with XXXX, XXXX and XXXX and they have failed to remove this off my credit report.
Product: Debt collection

I am not liable for this debt with XXXX  ON TAP. I do not have a contract with this XXXX XXXX XXXX, they did not provide me with the original contract as I requested. They cant provide it because there is non, this is a clear violation.
Product: Debt collection

On XX/XX/2013, this debt for {$1100.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Money transfer, virtual currency, or money service

For months I have been trying to send money using the Paypal site. 
Their site states that you can send monies to friends and family using your bank account at no charge. The site does n't give me the option of sending the money from my checking account, instead it will only allow me to transfer money via my debit card or credit card thus charging me a fee of {$32.00} everytime I want to transfer money using their services. I have called to try to get this issue rectified on several occasions. Instead I am always told that there is a security measure on their system that they can not by-pass restricting my account from this feature. I feel that this can be viewed as a discriminatory practice as I have had my checking account for 15 years with no issues on my account and Paypal is charging my account a {$32.00} fee everytime I want to use their services, I am not being given the option of sending money at no cost as other consumers are able to. Why can they debit the money from the same account via debit and charge me {$32.00} but they can not draft the monies from the same account without charging me the fees?
Product: Vehicle loan or lease

XXXX XXXX XXXX ( Chase ) has been allowing XXXX XXXX to use my Social Security number to access my account information to pay the bill on my car. This account is under the name of XXXX XXXX and XXXX XXXX but under the Social Security number of XXXX XXXX. XXXX has been using XXXX 's or my name and Social Security number to gain access to the account. He had made a payment and therefore I was not able to make the payment myself or so I was told. Never had that happen before but I let it go for now. Just that XXXX XXXX is using my Social Security number to gain access to my account in this case where else is he using it and what is he using it for?
Product: Checking or savings account

I forgot my password for my online banking account at Huntington Bank. I called and spoke to customer service who told me there was nothing they could do, who in turn referred me to the branch who told me the same. Huntington Bank has additionally told me that there is no way for me to access my online or mobile banking because they can't verify me, even though I provided my PIN and social security number, and will not provide information to me about my account. I moved from one state to another in XXXX and because I changed my phone number, they are unable to change my number over the phone and provided no resources for me to do so ( they need a phone number to authenticate me ). They said I have to go into a branch. I live XXXX miles from the nearest branch. I forgot my password and I can't change it without being verified and I can't get verified without changing my phone number which they will not do.
Product: Student loan

Due to financial hardship, I am a government worker who can not afford my XXXX loan payments. I called MOHELA to see the agent 's options and was offered a forbearance, which added interest to my loan. 

Due to the growing interest on my account, I've already added approximately {$25000.00} to my loan. I sent an email complaining to the White House, too. 

The margin in my budget is only {$300.00}. I have to use that for transportation to work because I need a car and the Public Transportation here is unreliable ( for example, it took me one and a half hours to travel six miles )!!
Product: Debt or credit management

Midland Credit violated the FDCPA by sending information to the wrong address and not validating the information, and I have requested them to cease contacting me in an improper and unpleasant manner.
Product: Credit reporting or other personal consumer reports

I recently investigated my credit report and found several items there to be inaccurate under 15 US Code 1681e ( b ) Accuracy of Report- Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by 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, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous lettters in which i kept documentation of to Equifax regarding reporting they are doing on my credit file. 
I have also sent them a letter from XXXX showing all 7 accounts are {$00.00} balance owed and yet they have not updated the information. 

XXXX -sent me a letter of the investigation rec 'd and sent me a letter showing they put balance due are {$00.00} and this was also sent to Equifax and remain with no changes. 

They took over 30 days this last request asked for more time and then closed the investigation as completed but no change. 

There are 7 load ( XXXX  ) XXXX all from XXXX and XXXX my Current balance is {$00.00} I asked that the information be updated. Still they have not complied, this is the last attempt then I will be filing in court a lawsuit against them. 

I ALSO RECIEVED A NEW LETTER FROM XXXX DATED XX/XX/XXXX, I DONT HAVE A COPY BECAUSE I SENT IT TO EQUIFAX AND XXXX AND FORGOT TO COPY IT. THEY HAVE THE INFORMATION SENT FROM XXXX THEY JUST KEEP SENDING ME THE SAME OLE RESPONSE AND NOT UPDATING MY FILE. IF I NO LONGER HAVE A BALANCE WITH XXXX AND IT SHOULD REPORT THAT ON MY FILE UNDER THE XXXX CREDIT ACCTS OR THEY NEED TO REMOVE XXXX ALL TOGETHER BECAUSE THEY ARE REPORTING INFORMATION WRONG.
Product: Debt collection

The number I 'm being called from is XXXX. The collectors hang up when I ask for an address to write a cease and desist letter Ability Recovery Services
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation 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 The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX,XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXXXX/XX/XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX   refuses to remove it from my credit report. I called XXXX XXXX XXXX XXXX   to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX   and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.
Product: Debt collection

Please see attached email. Shows time and date lapse of TSI to provide consumer with contract between the principal and 3rd party, Transworld Systems Inc, which none were provided and no communication of acknowledgement was produced. TSI no response is considered tacit agreement, acquiescence in the eyes of the law. 5 days was given in regards to information that is to be readily accessible to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new car loan with XXXX XXXX XXXX. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, XXXX WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX/XXXX/2320 Re : Dispute of Collection Accounts and Request for Permissible Purpose Documentation To whom it may concern, I am writing to you as a consumer XXXX XXXX XXXXXXXX, whose personal information is provided below. It has come to my attention that there are XXXX collection accounts associated with me XXXX XXXX in your records. The details of these accounts are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX Date : XX/XX/2023 XXXX. Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/2023 Upon reviewing my XXXX XXXX XXXX credit history, I have concerns regarding the legality of these accounts and the information used to establish permissible purpose for obtaining XXXX XXXX XXXX personal information XXXX It is my belief that the collection agencies, namely XXXX XXXX and XXXXXXXX XXXX XXXX have failed to provide sufficient evidence of permissible purpose as required by federal law. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, collection agencies are required to have a permissible purpose when accessing and reporting consumer credit information. This includes obtaining consumer reports for the purpose of collecting debts. It is crucial for the collection agencies to demonstrate that they had a valid and lawful reason to obtain XXXX XXXX XXXX personal information, as failure to do so can result in serious violations of my rights as a consumer. 

Therefore, I kindly request that you provide me with the following documentation within 30 days from the date of this letter : 1. Any and all documents, agreements, or contracts that demonstrate a permissible purpose for accessing XXXX XXXXXXXX XXXX personal information in relation to the aforementioned collection accounts. 

2. A detailed explanation of the steps taken by your agency to verify the accuracy and completeness of the information provided by the original creditors, specifically with regards to the validity of the debts and XXXX XXXX XXXX obligation to pay. 

XXXX. Copies of all correspondence, including letters, emails, or any other form of communication, sent to XXXX XXXX regarding these collection accounts. 

Failure to provide the requested documentation within the specified timeframe may result in legal action to protect XXXX XXXXXXXX XXXX rights under the FCRA and other applicable laws. This could include seeking damages for any violations and reporting non-compliance to the appropriate regulatory authorities. 

To ensure accurate and timely communication, please direct all correspondence regarding this matter to the undersigned at the address provided above. I expect your prompt attention to this dispute and request, as the law mandates swift resolution of consumer credit issues. 

Thank you for your immediate attention to this matter. I look forward to receiving the requested documentation and resolving this dispute in a fair and lawful manner. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Product: Checking or savings account

We received a letter from WellsFargo 12months after opening the account that we needed to resolve an error on the account. I contact the local office and they notified us we needed to come into the office to update my Daughters Social Security Number. We did this on XX/XX/XXXX. I received a second letter and I called the local office on XX/XX/XXXX questioning why I received a second letter. On XX/XX/XXXX the called me back to notify me they had contacted their back office and the issue was resolved. Now on XXXX with no additional notice or warning they closed her accounts and froze the money. I have called the corporate office and they have escalated the issue as high as possible and that they can not do anything at this time. My Daughters is on vacation and her debt card is her only access to money. I was told me they will respond in 10 days. I called the local office and they told me i did everything they felt I needed to do and are not sure why it is closed. They contacted the back office and they are now requiring additional documentation that is not available and will not except any other documentation. They want a social security card that is lost and will not except a signed w9. I am in the financial industry and w9 for social security correction is standard process. They told me with out this they can not do anything. the best they can do is follow up in 48hrs.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on WELLS FARGO HOME MORTGAGE. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit card or prepaid card

Hi : I have two different new inquiries in my credit reports that I discover today thanks to XXXX XXXX. The first inquiry is from yesterday XX/XX/2019, identify as XXXX/XXXX in XXXX, Florida. The second one is from today XX/XX/2019 named Comenity Bank/XXXX &. The weirdest thing is that I am in traveling outside of the states and I have not even used my cards or gave my information to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Equifax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me. Equifax has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Product: Debt collection

The XXXX XXXX billed the wrong insurance company in my medical file the collection went to Northwest collectors. I called them numerous of times and the XXXX company sent them a statement for them to remove it, they refuse to do so.and they are rude and nasty and hang up in my face. I want them to pay me for pain and suffering and also for hurting my credit.
Product: Debt collection

Debt collection company is reporting inaccurate. My mortgage is paid per obligation of the United States according to CFR and USC laws.
Product: Mortgage

Flagstar Bank sold my mortgage to XXXX in XX/XX/. At that time they kept my escrow overage and then told XXXX that I owed more escrow, starting me in the red with XXXX.
Product: Debt collection

XX/XX/XXXX CBE Group Texted me at XXXX The Text did identify CBE group as a Debt Collector XX/XX/XXXX CBE Group Called me at XXXX. The person Calling Refused to answer the question " Are you a Debt Collector '' a Violation of FDCPA. CBE is Required by Federal Law to answer that question. The Caller also Refused to answer the question " What is the purpose of your call '' asked twice by myself I Do have the right to know Why they are calling & I Do have the right to know if or if not that they are a debt collector The CBE Group XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Prepaid card

I ordered two XXXX  gift cards from XXXX in XXXX and totally forgot about them. Recently I found them and planned to use them. I was able to activate one of the gift cards, but not the other. The problem is a dilemma : the XXXX gift card has expired, so it couldn't be activated ; since the card is not activated yet, it has no funds applied to it and I couldn't get a replacement card. 

I contacted both the merchant XXXX  and the card distributor Blackhawk Network/GiftCardMall.com , but both parties just passed the buck to each other : XXXX said since the card is managed by GiftCardMall, I should ask them for help ; GiftCarMall said since the card is not activated, I should contact Staples. 

Below are the actions I have taken so far : On XX/XX/XXXX, I called Blackhawk Network/GiftCardMall.com to activate the card and couldn't activate it. 

On XX/XX/XXXX, I called XXXX and an associate asked me to call the number on the back of the card and ask for a replacement card. 

On XX/XX/XXXX, I called the number on the back of the card and was told that the card is not in their system since it has not been activated. They asked me to contact XXXX. 

On XX/XX/XXXX, I chatted with XXXX, and was asked to contact Blackhawk Network/GiftCardMall.com at XXXX. 

On XX/XX/XXXX, I called Blackhawk Network/GiftCardMall.com at XXXX, and the CSR first escalated the case to his manager and then his manage transferred me to another department. This department then transferred me back to XXXX. Finally, XXXX transferred me to Blackhawk Network/GiftCardMall.com again . 

To summarize, I paid this XXXX gift card for {$200.00} and the terms and conditions say that the funds never expire, but now I get nothing!
Product: Debt collection

I, the consumer, trying to exercise my rights to validate a debt and Opps Loans debt collector is not responding. They are violating my rights.
Product: Debt collection

I recently viewed my credit report and discovered this company has reported that I owe them a debt. They are in violation because they did not notifying of my rights to dispute prior to placing this on my credit report
Product: Debt collection

Reached out in XXXX XXXX asked for the company to validate the account if they couldnt verify that the debt is indeed mines I asked for the items to be removed. The company updated their system as a new debt and updated my credit report citing that debt will be removed in XXXX.