23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX loan is showing the incorrect balance on XXXX and Experian. I reached out to XXXX XXXX XXXX and was told to dispute the balance with the bureaus. I did that and the bureaus are saying the information is correct, but is showing that the account has not been updated since XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the EQUIFAX Data Breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and that I emailed Equifax and Equifax has done nothing. Please help me delete these illegal accounts/inquiries from my consumer credit report, permanently. I also ask that Equifax please correct all inaccurate information. 

NOTE : PER 15 USC 1681i ALL INACCURATE INFORMATION MUST BE REMOVED PERMANENTLY BECAUSE I, XXXX XXXX, THE CONSUMER AM ALERTING EQUIFAX OF THE INACCURACIES ON MY CONSUMER REPORT AND THAT ALL OTHER : ADDRESSES ARE NONMAILABLE, BIRTHDAYS ARE INACCURATE, PHONE NUMBERS ARE INACCURATE AND CAN NOT BE USED TO CONTACT ME, NAMES ARE INACCURATE AND ALL EMPLOYERS LISTED ON MY EQUIFAX CONSUMER REPORT ARE FRAUDULENT. ( I emailed the correct information to Equifax. ) The Following Hard Inquiries Are Fraudulent and Must Be Removed Permanently : Company Name : 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 My identity was stolen because of the EQUIFAX Data Breach. The Equifax Data Breach has caused me needless suffering and great harm. I have not been able to live a healthy and happy life due to EQUIFAXs ' gross negligence. I need relief immediately. I need to be compensated immediately for {$1000.00} dollars for all inaccurate accounts, inquiry, and inaccurate information disputed and removed and {$7500.00} for the actual damages of mental anguish, pain, suffering, homelessness, XXXX, fear, and XXXX delivered to my address by Equifax within the next 14 days. I also need Equifax to deliver my settlement check to my address within the next 30 days. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, it is EQUIFAX 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include the reporting of 120+ days past due on XXXX XXXX, and XX/XX/. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish these inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the reporting of the inaccurate late payments is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into SPS to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 @ XXXX XXXX  I purchased 2 money orders amount of {$1000.00} from XXXX address : XXXX. ( WESTERN UNION MONEY ORDERS ) XXXX XXXXXXXX XXXX XXXX. 
XXXX, ND. XXXX XXXX week later we lost our money orders due to weather incidents on our vacation. Money orders were blank and have positively not been cashed or stolen as my family and myself witnessed with our own eyes the money orders flying in water at a lake resort, for sure % 100 they are not in any way shape or form salvageable to be cashed. With that said, I do have the receipt in that I purchased them from at XXXX XXXX XXXX XXXX XXXX department. Also, may I add I purchased them with my XXXX bank card.. 
9 days after purchasing both money orders I filed 2 money order refund/ tracking claims through western unions website attaching copies of original receipt with serial numbers. This is the Reference icare claim number I was given @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I just received an alert on my credit report ( XXXX and XXXX  ) that this company is being reported. I have never contacted or paid this company and I have never done business with them and they have no right to be reporting on my consumer reports. This is causing an unwanted negative effect on my reports! I have proof that I DO NOT OWE THIS COMPANY ANY MONEY, nor have I ever been in contact with or have any contracts with this company at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX open XX/XX/XXXX Amount XXXX
Product: Student loan

I was granted a bankruptcy discharge, student loan included. Why is it not honored. I am still being harassed. Not able to barely survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Ed/XXXX  reported late payment on XX/XX/2018 for all loans when a forbearance request was submitted and approved. Loan company stated they would correct and remove late payment. They did not do it.
Product: Debt collection

In XXXX XXXX, a solar company ( not in business anymore ) sponsored by Well 's Fargo Bank scam me into buying a solar panel for {$7900.00} when it was supposed to cost me close to {$4000.00}. Since I was not working at the time I never thought that WFB will ever approve me with what they were promoting as a Home Project Visa Card much less for {$3900.00}. To my surprise, I was approved not for the {$3900.00} that the project cost but for {$7900.00}. I called the solar company and I was inform to make the first payment, wait 30 days and that after that they will straight everything out. When I call them again after 30 days, they were out of business. Well 's Fargo was not help at all. They said I must pay the full loan or they will report me to the credit companies. They did. 
In XXXX XXXX I got a collector 's letter from XXXX XXXX XXXX XXXX, out of XXXX, XXXX. They said I own {$10000.00}. I respond them to prove me that I own that money. They never respond me. 
In XXXX XXXX I got another collector 's letter for the same amount, this time from XXXX XXXX XXXX from XXXX, XXXX. I did ask them to prove me I own that money. They never responded. 
Since these collectors never responded, I did assume everything was Okay. 
Well, I am working now and want to start my own bakery business and to my big surprise and disappointment, when checking my credit score it was in the low XXXX. The XXXX report from XXXX XXXX shows the WFB loan shown as charged-off ( bad record ) but also shows a collection for {$10000.00} from a XXXX XXXX XXXX from XXXX XXXX, collector company I never heard of, where it state that the originator is Well 's Fargo Bank. To make matters worst, the loan has a date opened of XXXX XXXX, 2 years and 4 month after the WFB loan was approved. 
I understand that it probably was my fault that I fell for the scam to begin with, but whatever I did wrong, I did it in good faith and with no intention to hurt anyone. These companies, Well 's Fargo Banks and its accomplices, the collector XXXX all they want is for me to pay for a wrongful loan generated by a corrupt bank or my credit history will be ruin, which already is. 
Now that I want to something good for myself and others, I found my hands are tight by a bunch of crooked white-collar scammers where my only option is to pay my XXXX ( {$10000.00} ) or else. 
All this information is documented and should you see that you can help me, fact that I will very much in appreciation, please let me know so I can have some hope for my future. 
Very truly yours, XXXX.
Product: Credit reporting or other personal consumer reports

Company : CAINE & WEINER XXXX XXXX XXXX XXXX XXXX CA, XXXX RE : Account reference number : XXXX This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the assignment agreement to show full ownership of such account and to provide other documents listed below so I may review to see If this account actually belongs to me or not.

I have sent multiple certified letters on dates of, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to validate this alleged debt. Requesting evidence of their legal ownership of the debt, such as assignment agreement.

As outlined in the FDCPA, debt collectors are obligated to provide accurate and verifiable information upon a consumers request. I have sent 3 requests. A mere copy of a bill falls short of the required validation standards.

Caine and Weiner continue to violate my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Uniform Commercial Code ( UCC ). I have been requesting the following for over a year now.

According to the FDCPA Section 809 ( b ) requires a a debt collector to furnish, within 30 days, the following : The original creditors name and address.

The exact amount of the debt, including any finance charges and fees.

A description of the debt and the date it was incurred.

Evidence of your legal ownership of the debt, such as assignment agreement.

The UCC Article 9 requires clear and verifiable proof of debt transfer and chain of the title. Sending a single bill does not demonstrate their legal standing to collect this alleged debt. 

I have reiterated my demand for proper validation to this company for my last attempt that of XX/XX/XXXX to : Please provide the documentation listed above within 15 days of the date of this letter. 
Cease and desist all further collection efforts, including communication, reporting to credit bureaus, and legal action, until valid proof of debt ownership is provided. 

Caine and Weiner continue to deny my requests to validate each and every time. 
Caine and Weiner Failed to comply with these demands multiple times and are in violation of the FDCPA and the UCC.

I demand this alleged debt collection be permanently deleted off my credit report since this company has failed to comply on multiple requests to validate and to cease all collections and reporting immediately.
Product: Payday loan, title loan, or personal loan

Hello.. I made required minimum payment of {$180.00} when my Principal balance was ( {$1000.00} ). Only {$37.00} out of that payment went Toward principal. Within the required minimum payment TOTAL I made payment of {$490.00} plus another {$100.00} totaling a grand payment of {$590.00} on the XXXX of XXXXAnything paid over interest of {$150.00} out of the {$180.00} minimum payment goes toward principal balance which was $ {$430.00}. payment made to pay toward Principal was estimated at {$430.00}. Which brought my principal Down to {$640.00}. My prinicipal balance is showing in the system of {$690.00} instead which isnt right also my minimum payment is more at {$290.00} at a lower principal balance to pay on the XXXX of the year of which I assume only {$30.00} is going toward principal and way more than it was when my principal balance Was {$1000.00}. I would appreciate this all to be audited and possibly corrected please, thank you
Product: Checking or savings account

My employer processed payroll on Wednesday, XX/XX/XXXX at XXXX XXXX It is Friday, XX/XX/XXXX and CapitalOne has not credited the funds to my account. Notification was late, no resolution timeline has been posted. An emailed posted at XXXX XXXX Thursday, XX/XX/XXXX is the only notification I have received acknowledging the problem and no solution has been offered. I earned that money and want it in my account and available for me to use.
Product: Debt collection

Account Name : XXXX XXXX XXXX Account Number : XXXX Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information Remove this incorrect information at once and send me an updated copy of my credit history report. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Ladies and Gentlemen, I have 2 credit cards issued by Bank of America with credit limits of {$2500.00} and {$13000.00}. the second card i have for the past 16 years and must have transacted several 100T USd on this account over these years and been paying regularly.

I have a XXXX  issue in the past couple of months but i was paying the minimum amount due every month and unfortunately i missed 1 payment on one of the accounts for $ XXXX  and 2 payments of XXXX for the first account which was not intentional and unfortunately they blocked my ability to pay it on line when i have funds and instead they were presenting cheques to my account.

They cancelled my card with credit of {$2500.00} in the first week of XXXX  and inspite of getting a payment from me for the second card on XXXX of XXXX for {$250.00} they cancelled my card with limit of {$13000.00} on XXXX of XXXX.

By cancelling these cards, my credit scores are heavily impacted and hence i request you to kindly reinstate these cards though i am not using it and only make minimum payments. I am also trying to at least get this down to 50 % in the next months expecting some long due payments to me.

Another problem is that i am unable to make payments directly as i was doing for many years and you are debiting my account by cheque on due dates. I am sometimes aware of this only after the cheque is returned and then i try to go on line and make the payment, i dont have access to it. I have to again call BOA and make the payment and hence please reinstate my ability to be able to make the payments directly by bank transfer. This way i can make payments whenever i have excess cash in my bank account.

I am a BOA customer for the past 17 years and for missing a minimum payment i dont disserve cancellation of my credit accounts. I have been paying regularly except in the near past.

I am willing to clear the past due amounts in my account and also make the payments on time on both these accounts going forward however i want the credits on these accounts reinstated or a new card issued me with the same credit levels that it does nto impact my credit scores XXXX XXXX :
Product: Debt collection

I received a bill from XXXX in XX/XX/XXXX, which included charges for visits dating back to XX/XX/XXXX. I was shocked to discover that they claim that I owe {$2300.00} in outstanding balances. When I initially came to Benchmark, I was led to understand that I only needed to pay my copay of {$10.00} at each visit, and I relied upon that in deciding to utilize Benchmarks services. 

Throughout the entire duration of my visits to XXXX XXXX XXXX, spanning over a year, I was never informed about accruing charges beyond that stated copay. And, I made that copayment on each visit, despite the contrary appearance from the statement provided. Had I been made aware of the accumulating costs, I would have reconsidered continuing with the treatment. It was shocking to learn about this substantial debt long after the services were rendered. 

Dispute History Initial XXXX : On XX/XX/XXXX, I formally disputed the billed amount of {$2300.00}. Benchmark PT acknowledged the receipt of my inquiry, assuring me that my account was under review. Since then, I have not received any updates. 

Repeated Follow-Ups : I made multiple attempts to communicate with Benchmark PT XXXX XXXX up via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of these attempts elicited a response or update on the status of my dispute. 

Account Placed On Hold : On XX/XX/XXXX, their representative assured me that my account would remain on permanent hold until the issue was resolved. 

Account Sent to Collections : On XX/XX/XXXX, after receiving notice that my debt was referred for collection, I formally notified Benchmark PT via email of my intention to file complaints with the appropriate agencies and to pursue a lawsuit if the matter remained unresolved. On XX/XX/XXXX I notified the CEO by certified mail at both the national headquarters in Alabama, and at the address of their registered agent in GA. 

Despite all of these attempts to resolve the matter, XXXX has never attempted to resolve it.
Product: Checking or savings account

Overdraft fees and NSF fees on money transfers where I had sufficient funds to make the transfer causing other NSF fees.
Product: Checking or savings account

On XX/XX/23 {$100.00} was withdrawn from my checking account, and was never authorized. 

1. I had just received a new debit card from USAA, My old debit card was expired, and the new debit card it was not activated at the time the above charge occurred. 
2. No authorization was provided to the company that charged the {$100.00}. I spoke to USAA on the phone and they said they would take care of the issue. 
3. I received a follow up decision ( attached ) which stated the transaction was not an error because of " insufficient information ''. 
4. USAA never provided documentation from the merchant it relied upon in making this decision. 
5. USAA asked me for documentation that does not exist. When a transaction isn't authorized, consumer 's do not have records to provide showing it wasn't authorized. The charge was not authorized. The merchant did not provide any kind of receipt or billing notice by paper or by email. I don't understand why USAA is defaulting to the merchant must be correct rather than believing its paying member. Do better USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I was not saying they were reporting right or wrong. I am just saying that I am not 100 percent sure if they were. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to them. 
They did an investigation and claimed that the accounts were accurate. I did an investigation of my own and found that there are still improper accuracies even after they did their investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with XXXXhe Fair Reporting act these XXXX  Accounts, has violated 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 reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report from XXXX, TransUnion and XXXX and noticed some fraudulent inquiries that I DID NOT originate and have no idea where they came from. Pursuant to 15 USC 1681c-2 please DELETE these fraudulent inquiries within four business days of your receipt of this identity theft report on grounds of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please see other page for other ( 3 ) inquiries. SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit card or prepaid card

Was notified by Citibank they thought a fraudulent charge was made to my XXXX on XXXX XXXX I called as requested stated I had not traveled to XXXX  and did not make any purchases on the card except from XXXX which was paid off in full I provided Homeland security statement if No Travel using my passport Provided computerized county work record for the month in question showing I was at work also provided a copy of FBI report I filed They will not change their mind XXXX even tried to assist but were unable to overturn Citibanks decision The bill is now {$500.00} more that at the beginning I did not make these charges My almost perfect credit rating is declining at a very fast rate My XXXX score has dropped by XXXX points I am over XXXX XXXX XXXX I feel this is elder abuse identity theft and I feel very violated by Citibank Please help
Product: Debt collection

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$11000.00} Balance updated XX/XX/2023 Original balance {$7800.00} This is a fraudulent account in my name. I have disputed this account online, Over the phone repeatedly. I've asked for this to be removed as it is not mine and is causing my credit to be bad and has been for years now. It affects my housing and my financial needs .I need this removed. It is not fair I have this debt on my credit considering its not mine. I have no knowledge of this. The balance due keeps going up and my credit keeps going down. 

Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

XXXX kept reporting an unverified debt that I did not owe against me. Particularly, XXXX refused to delete an unverified collection filed on my credit profile by IC Systems Collections. I was not responsible or privy to the underlying collection. IC Systems Collections reported the same inaccurate debt information on other Credit Bureau Companies such as XXXX and XXXX. When I noticed the inaccurate debt information on my credit, I requested validation and subsequently disputed the debt. XXXX and XXXX deleted the debt from my credit account when it was found inaccurate and unverifiable. However, XXXX refused to delete the inaccurate debt information from my account hence, this complaint. Therefore, I believe XXXX is taking the reporting of the erroneous debt information personally against me. Please compare other Bureaus ' credit reports with XXXX.