23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested a deferral in XXXX because of Covid Us bank removed my money from my checking account that month .XXXX.I didn't pay XXXX I missed and XXXX I missed XXXX I sent {$2000.00}. XXXX {$1000.00} XXXX $ XXXX.then I geta statement I owe $ XXXX.I wanted explanation where the {$5000.00} went they said I now owed XXXX and they wanted immediately they will not send me any paper statements and I thought the XXXX could be paid over time with the differal or at the end of the loan they want It immediately and are calling me every day the also canceled the money I had available on my heloc.and are threatening forclosure over {$3900.00}. I can not get answer thats truthful or any way to resolve the issue nor receive a paper statement for my checking and heloc to resolve the issue I've spent over 26 hours on the phone and have been transfered and hung up on and I tried to file a complait with US Bank and they hung up on me .I don'r know if I should file for bankrupcy just to get an honest accounting and a resolution from US BANK.
Product: Payday loan, title loan, or personal loan

I applied online for a loan to pay credit cards, at first they gave me details of the loan ( 19 % interest ) and explained that those terms are subject to credit report. After submitting the necessary documents they approved me for the loan with an interest lower ( 16 % interest ) than the original because of my credit but the payment still the same. I called them and they just tried to confuse me with numbers and they said they cant do anything. I asked to the Rep if my credit was worse the payment still be the same and he said no, so why the payment didnt get lower? 
I believe they dont follow the contracts or at least give info that they get part of the loan for the service provided Docs signed from Bank ( 16 % ) are different interests from their estimate ( 19 % )
Product: Credit reporting or other personal consumer reports

The company provided information but it is wrong. 
Please update my personal information and provide copy of the update. 

XXXX XXXX XX/XX/1996 XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

TO WHOM IT XXXX CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Checking or savings account

On Saturday XX/XX/2023, I sold a vehicle to a stranger. We both banked with TD. We went into the bank and the buyer withdrew {$20000.00} from his account, and I deposited the cash into my account. I then gave the vehicle and the title to the buyer. I have a receipt of the deposit. An hour later I looked at my account and the {$20000.00} was placed on hold. 

I went back to the bank same day XX/XX/XXXX and I was told by the same teller that the buyer came back and wanted to make it a check transaction. She stated that the buyer said he spoke to me, but this was not true. 

She withdrew the cash from my account without my knowledge and without my consent and I was not in the bank. She then deposited a check for the same amount. 

Another teller stated that the buyer is allowed to change his mind and that the transaction was changed without my knowledge or consent. 

I went into the branch on Monday at XXXX to talk to the manager and the manager XXXX said he didn't have time for me. 

I call the bank yet again and was told it was going to be escalated to the regional manager and I would get a call today. 

No call, I called at XXXX and was told there's no one available and XXXX the regional  manager is not available. 

{$20000.00} cash was taken out of my account and replaced with a check without my knowledge or consent. The funds are still not available.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAUS XXXX, XXXX, CHEX SYSTEMS, XXXX AR violating my consumer rights under FCRA law. I am a victim of identity theft and fraud, and have filed numerous disputes, as well as sent them a report from a Law Enforcement Agency ( FTC Identity Theft Report ). There is a fraudulent XXXX installment loan that does not belong to me, is completely unauthorized by me. They received a certified letter from me on the XXXX of XX/XX/2024, attached to this complaint, stating my rights under FCRA law and my right to exercise them ; to which they have ignored and stalled and blatantly refused to comply with.
Product: Money transfers

I order an item ( XXXX ) via online on a website ( XXXX ) which is operated by lucky way trading limited ( with email XXXXXXXXXXXX ) but my order did not came. 
I waited for it for almost a month but still it did n't came. 
I paid them via paypal, but since the item did not came i contacted the seller regarding this matter. This seller gave me the tracking number of the item but when i checked it on our local post office here in XXXX they confirmed that it was reshipped back to the sender ( which is the seller ), at first the seller replied thru email but insisted that it was delivered, but after a few exchange of emails the seller had confirmed and send me an email that the item was reshipped back to them and also confirmed it from our local post office via the tracking number they have given me that it was reshipped back to the seller, with this the seller asked me if i want it to be reshipped back to me but i refused and asked for a refund instead, but after that email that i want a refund the seller had ceased and stop replying my emails, i even tried contacting the seller via telephone but they do n't answer anymore without refunding me. 
with this action that the seller had shown i complained to paypal ( which where i made the payment but paypal had just closed my complain because the seller gave them a tracking number which is still not updated during the review of paypal that said it was delivered to me, but paypal did not asked the seller if it was resend back to them because if paypal just checked the tracking number many times they can see in there that it was resend back to the seller ). 
Paypal closed my dispute and adviced me to communicate to the seller, which i tried many times but the seller did not answered any of my emails and calls and it seems had no plan of refunding me.
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 I have never been late on this account. Actually I am not sure that the account is even mine 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, XXXX, et al, 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. 

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

Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there were violations on my report credit report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet and it has been over 60 days. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now and it has been over4 45 days. please assist me with getting these items deleted.

The bureaus are in violation of 15 USC 1681a ( 2 ) ( b ) I did not give written consent to furnish any infofmation, Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violatio. I demand that the items be deleted from my report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

These fraudulent accounts consist of a XXXX XXXX XXXXXXXX Account XXXX Opened XX/XX/XXXX, a personal credit card XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, an XXXX XXXX  account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  XXXX account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX UNDER ACCOUT XXXX. Also, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX case # XXXX, XXXX  XXXX case # XXXX XXXX  ; XXXX XX/XX/XXXX and XXXX XXXX case # XXXX filed XX/XX/XXXX. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please respond to email XXXX XXXX
Product: Prepaid card

I made an earned wages transfer to my payactiv card over XXXX hours ago, and it has not posted yet. When I call Payactivs customer service department, all I get is a ) give it another XXXX minutes or b ) your case has been transferred to our technical department. Ive made close to XXXX calls, emails, or chats trying to resolve this. Im not allowed to talk to a manager. I receive my paycheck this coming Friday. I really need the transfer, but at the very least, I need to ensure that this money doesnt get deducted from my paycheck. Nothing Ive seen or heard from this company gives me any hope that it wont be deducted. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, OH XXXX is my current address my DOB is XX/XX/1973 my SS is : XXXX I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the XXXX mobile banking app, as she had done many times before. I have a XXXX XXXX  account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a XXXX and they said not to worry and just to wait a few days. After a few days, we contact XXXX and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and XXXX trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that XXXX and many other banks use so we also contact them after giving up on XXXX and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a XXXX problem since it was done using their app and since we are both XXXX customers. XXXX refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and XXXX. Both banks STILL wo n't cooperate even with the police! I even called the XXXX  Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! XXXX is the one that facilitated this whole thing and they absolutely refuse to help us or even acknowledge the fact that we have an account with them. We have all our conversations with them saved for proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023, medical debt collections under {$500.00} can no longer be reported to the credit bureaus. I demand that the listed debt be removed from my credit report. Account # XXXX RETAIL MERCHANT ASSOCIATES
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon a possible, because they are hurting my credit. 

1. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

2. XXXXXXXX XXXX UPLIFT INC. 
Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- Oscar verification methods.

I notice there is a very serious error in reporting. I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

There are many months missing data. There are also multiple charge offs for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible Specifically on the XXXX report, I Don't recognize account ending in XXXX on the report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities.
Product: Debt collection

When the original debtor XXXX XXXX XXXX had this account I couldnt even get in touch with anyone in that office to pay it off. This was before they even had the online payment thing going. Then it was transfered to a collection agency which I did contact as soon as I received notice and I offered to pay it off but could only pay half and I remember I was refused at that time. I haven't even received anything from this company in 2 years and they still hijack my credit and somehow seem to report it but they dont and have not been sending me any kind of paper mail on this matter. This collection agency is not applying to the laws of notification of debt therefore they have broken the law. 
Amount of debt : {$280.00} Americollect XXXX XXXX. XXXX XXXX XXXX WI XXXX 2 years I have not received anything anf yes I have disputed this and still didntnr eceive anything. It appears as though they just decided to let my credit suffer. I offered to pay half off and was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and discarded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Milsap and singer a foreclosure law firm who was suppose to be the trustee and have mine and the mortgage companys best interest in mind only had the mortgage companys best interest in mind as they have a financial insentive to side with the mortgage company not only did they not check to see if the lender had grounds to foreclose the stood by and did nothing as I was dual tracked during the foreclosure process the lender violated regulations z and x acourding to the Dodd Frank act tila act respa act and many other laws milsap and singer are in violation of breach in Trust laws and also present a conflict of interest as they are representing the lender in a lawsuit I have filed
Product: Debt collection

In early XX/XX/XXXX, I received a letter from American Coradius International LLC, a debt collector, seeking to collect a debt from a XXXX account they claimed to be mine. The debt amount was significant ( {$60000.00} ). I have not made any significant XXXX transactions in years, so I first verified that there was no corresponding fraudulent activity on my XXXX account. I keep my credit reports frozen but still checked to see if any accounts had been opened with my information recently, but there have not been. I then returned the letter indicating that I wanted to dispute the debt because it's not mine, and asked them to send me the name and address of the original creditor. Then, XXXX XXXX responded with a letter dated XX/XX/XXXX, claiming to include documentation about my account. The letter enclosed a document from XXXX XXXX XXXX showing an account with my name, created on XX/XX/XXXX, but with an email address that I do not recognize or own. The disputed transactions involved another email address that I do not recognize, but have no additional explanatory information. I need guidance on whether I need to pursue a criminal fraud claim.
Product: Money transfer, virtual currency, or money service

Hi I initiated a money transfer with XXXX on XX/XX/XXXX. When I initiated website showed it will be credited to my account in XXXX on XXXX XXXX after the completion of the transaction, it said it would take 6 days. so I immediately sent a cancelation request, next day on XXXX XXXX I saw a withdrawal from XXXX. 

After series of email exchanges, they said money will be refunded after 7 days, and sometimes XXXX business days which is supposed to be XXXX XXXX. 

No one wants to own the problem and resolve and they have taken the money against my approval TX ID for ref : XXXX They entice people initiate transfer stating 2 days and everything changes on completion of transaction. 

I'm attaching a sample clip where it always shows money delivered in 1 day
Product: Credit reporting or other personal consumer reports

After several attempts to get this charge off removed from my credit report I have to file a complaint due to the fact that Equifax is failing to remove this item from my report. They are reporting a charge off from XXXX XXXX XXXX account number XXXX in the amount of {$30000.00}. 

According to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats a cancelled debt as income, and you will need to report it on your tax return. Income can not be reported on your credit report as a debt owed. 

This is also In direct violation of my privacy and rights according to the Violation of Privacy Act of 1974. 

Must I include that it is illegal to report trans action history according to 15 usc 1681.