23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

Western Union withdrew {$3000.00} from my account on XXXX XXXX, 2016 for a money transfer. The money transfer was cancelled but the funds were never refunded to my account. 

I have called western union numerous time but every time I get a promise of resolution within 24 - 48 hours. As of the date of this complaint i.e. XXXX XXXX, 2016 Western Union has still not refunded my funds.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring attention to an egregious violation of my consumer rights by EXPERIAN and XXXX XXXX. My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws. 
1.The timeshare account is unauthorized and was reported without my consent.

2. It is inaccurately classified as a mortgage, which I do not have.

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare.

15 U.S.C. 1681i ( a ) : They have not promptly corrected this false information.

FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information.

FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting.

Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts. 
The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive. 
XXXX XXXX ( XXXX ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act. 
Failure to safeguard consumer data and ensure it is used solely for authorized purposes. 
Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness.

Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress.

Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights. 

I hope this issue would be resolved as soon as possible. thanks for your help
Product: Credit reporting or other personal consumer reports

The following accounts I wanted to be disputed are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a true identity theft/ Fraud Transunion has once again refused to remove these account and they are violating the California credit report act law and leaving them on my credit report
Product: Mortgage

We are non-resident mortgage holders on a vacation rental property in Florida since XXXX XXXX. Our mortgage has changed hands approximately 4 times, most recently to Nationstar. I usually make payment online at the beginning of the month with an additional principal payment as funds available to us. I was unable to pay in XXXX through the website and eventually had to make an expensive phone call to make it. I was assured that the company 's website XXXX series error ' would be rectified by the payment due XXXX XXXX. It is n't. I have no way of sending any message through email without first being able to sign in, neither am I able to make the payment due or access information for my tax return now in progress for XXXX. It is beyond stressful to be so far away and so un-helped and helpless! A company this size should not have an inaccessible website for more than an hour ever. 
I 'm hoping this is a simple one for you. 
With thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX mi XXXX In accondance with the Fair Credt Reporting act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681.

Accounts name : Delete these ADDRESSES Immediately from My report ADDRESSES REPORTED has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( XXXX ) 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- ( ) 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 ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 








Delete these ADDRESSES Immediately from My report ADDRESSES REPORTED * 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 XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report, because of multiple violations of the fair credit reporting act.
Product: Debt collection

Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN 365 days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN 365 days.
Product: Mortgage

I applied for the XXXX assistance XXXX XXXX program through my state and was approved for assistance with paying my mortgage. I made all my mortgage payments on time and have never been late, even through the process of applying for this assistance. I physically made my own mortgage payment for XX/XX/XXXX and I was approved for this program in late XXXX. The XXXX XXXX sent payment to the mortgage company on XX/XX/XXXX in the amount of XXXX to cover my mortgage which was still not late or past due or in delinquent status at that time. I called the mortgage company several times throughout this process to keep them aware of the application, process and payment information and paid my mortgage throughout. The funds were sent to the mortgage company on XXXX. XX/XX/XXXX my credit report shows my mortgage was 30 days late for XXXX. I called and spoke with them who assured me yes they see the payment and they will rectify the credit problem as I made my XXXX payment. It has been XXXX days and in the meantime I have called them several times to remedy this issue and it seems every time the story changes and they are not on the same page internally. XXXX credit report shows my mortgage late for XXXX, and the other shows late for XXXX, XXXX days late, although they said it was XXXX, which I paid on time, portions of my credit report show conflicting information on this account with regards to late/current/months paid status. I have called them more than 5 times to find a resolution. I have never made a late payment on my mortgage in the XXXX years I have had it. The payment was sent to them to cover XXXX, XXXX and XXXX mortgage and they have not internally applied it to my account. They said they have a disorganized internal system for dealing with the incoming payments from the XXXX funds from states. This is not my fault and should not be negatively impacting my credit. My credit has been egregiously affected and dropped over XXXX points. You will see my credit I have no late payments or a history of late payments. Another creditor of mine reduced my credit limit on my card by {$2000.00} as a direct result of this negative reporting. This has not been handled properly or in a timely, orderly organized fashion. My credit reporting for this account doesn't match and is XXXX misrepresented.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three bureaus after viewing my credit report. I saw some accounts that were CLOSED AND PAID IN FULL reporting on my credit report as Failed to Pay/ Late Payments. After writing to them and asking that they delete the late payments/ Failed to Pay because account was closed and Paid In Full I still see these negatives reporting on my Credit Report and these negatives are causing my credit scores to go down and hindering me from moving forward with my plans to improve my credit. 
XXXX XXXX  A/C # XXXX XXXX  XXXX  A/C # XXXX XXXX XXXX  XXXX XXXX A/C # XXXX
Product: Debt collection

Citi Card I recently noticed you are attempting to collect the listed alleged debt.

Please be advised that I hear by dispute the validity of this alleged dept listed below in its entirety.

I further, I request verification of the alleged debt, specifically, a copy of the ORGINAL PURCHASE AGREEMENT. Said agreement must with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. 
Amount {$7700.00} I am requesting immediate deletion of all prior reporting made to any reporting agencies.

You must Cease Collections efforts until the alleged debt is validated. You must show proof that you legally own this alleged debt and it accurate and complete.

Sincerely,
Product: Credit card

I am writing to express my concerns regarding a recent issue with my account related to the spending requirement for the XXXX bonus points promotion associated with my card. I opened my account and paid the {$390.00} annual fee, understanding that I needed to spend {$10000.00} within a specific timeframe to earn the bonus points. 

Upon reviewing my account, I noticed the total new charges reached {$10000.00}, which indicated that I had met the spending requirement. Relying on this information, I was under the impression that I had successfully qualified for the bonus. However, when I did not receive the bonus points, I contacted their customer support for clarification. The agent did not inform me that my spending was inadequate but instead advised me to wait for XXXX weeks for the bonus to be credited. Now, after the eight-week period, I was informed that I did not meet the spending threshold of {$10000.00} as the annual fee was included in the calculation. 

This inclusion of the annual fee in the spending total, without clear separation or explicit communication, is not only misleading but deceptive, leading me to believe I had met the spending requirement when, in fact, I had not. Furthermore, the failure of their agent to notify me of the actual spending discrepancy during my initial contact represents a significant lapse in customer service, which has resulted in unnecessary confusion and disappointment on my end. 

Given these circumstances, I request the following actions be taken : A re-evaluation of my account activities and the misleading representation of charges that counted toward the spending requirement. 
Clear and explicit disclosure going forward on how charges are categorized and calculated toward promotions. 
Due consideration to grant the promotional bonus points in light of the misinformation provided, which significantly impacted my financial strategy and trust in their services.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit, its fraudulent. 

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

Experian refuses to remove an inquiry dated XX/XX/XXXX on my credit report on behalf of XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX who apologized for the hard inquiry ( I didn't give them permission to pull my credit ) and promptly submitted an electronic request to the three credit bureaus to remove the inquiry from my credit file on XX/XX/XXXX. XXXX and XXXX removed the inquiry within 30 days, and Experian did not. I contacted Experian SIX times between XX/XX/XXXX, and XX/XX/XXXX, asking for an update and trying to understand why they hadn't removed the inquiry. They replied they didn't receive the information from XXXX XXXX XXXX. I promptly uploaded a copy of the letter sent to me by XXXX explaining that they would send a request to the credit bureaus to update my credit file, and have had them resubmit the request over SIX times ( every time I spoke with Experian and they denied seeing the information ). Experian keeps saying they don't see the information from XXXX, every time I call XXXX they pull up the dates that they've sent the request. I'm at a complete and utter loss as these two companies keep having me call each other and they keep blaming each other for as the source of the problem. This is a complete violation of my rights, and XXXX did not have the right to access my report. Please help me.
Product: Credit card

In 2007, I had a XXXX Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.
Product: Credit card or prepaid card

On XXXX XX/XX/2022, Synchrony Care Credit deceptively and maliciously cancelled my line of credit for {$20000.00}, which they had approved on XXXX XX/XX/2022. Synchrony took this predatory action in retaliation for my cancelation of a Care Credit XXXX sent to me, which I did not request from them. The cancellation of my Care Credit was discovered at the office of my medical provider, causing me irreparable delays and embarrassment, not to mention scheduling inconvenience and other damages. I contacted Synchrony Care Credit on XXXX XX/XX/2022 to resolve the issue, and lodge a complaint regarding their misleading and deceptive banking practices, described below : XXXX XX/XX/2022 : I spoke with Synchrony customer representative XXXX, who stated that I could cancel the Care Credit XXXX received in the mail, which I did not request, while my regular Care Credit account would would remain active for my medical procedure. Unfortunately, when I arrived at my provider on XXXX XX/XX/2022, the above credit card was declined as being cancelled by me, which is a false, deceptive and maliciously retaliatory practice by Synchrony. Also on this date, Synchrony falsely informed me that I must activate the Care Credit XXXX with a limit of {$12000.00} ( XXXX XXXX XXXX XXXX  to retain the Synchrony financing they previously approved for use with a medical provider. 

XXXX XX/XX/2022 : I spoke with Synchrony customer representative XXXX, who snickered and gloated at my loss of medical financing, and stated that by my cancelling of their XXXX ( which I did not request or want ) Synchrony had rescinded the Care Credit line of financing for {$20000.00}, which they had approved on XXXX XX/XX/2022. When I asked why Synchrony had sent me a XXXX I did not request, the Synchrony sarcasm was palpable, as XXXX stated that " select '' Care Credit members were " randomly '' selected to receive an upgrade in the form of the new XXXX with a XXXX XXXX XXXX. I stated that this was not an " upgrade '', and that the predatory pressure to maintain the unwanted XXXX or lose the financing of my medical procedure, was misleading, deceptive and malicious, and possibly illegal. 

After several attempts to redress this situation, Synchrony made no effort to resolve this situation, which has placed me in difficult straits. Synchrony proved to be misleading, deceptive, malicious, and in no way acting in good faith as a bank should.
Product: Debt collection

Harris & Harris debt collection agency located in XXXX and XXXX XXXX have been constantly blowing up my phone since XX/XX/2022 about a debt that they provided me no information on to verify or dispute. They did not even attempt to give me a written notice I could respond to and tell them to stop calling me. They constantly gave me missed calls during work hours without providing information or informing me of my rights and from multiple different phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this items that does not belong to me and i want it to be remove from the 3 reporting agencies.

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Credit was dropped again XXXX points for no reason. There is one collection that was added but they have been informed is was on a bankruptcy XX/XX/2023. Case XXXX. XXXX has also been informed and a XXXX cease and desist order letter.
Product: Student loan

Consumer Financial Protection Bureau, I need your help and would like to sign up as a part of the law suit against Navient Corporation for deceitful and illegal practices.

My loans ( Federal student ) were originally with XXXX XXXX, then Navient servicing took over. Payment amounts were automatically increased and I spoke with representatives and requested a lower payment several times. They refused to accept an affordable payment. 
I am an XXXX  who graduated and have been working in the XXXX field for over twenty years now. The original amount of loans were {$25000.00} ( twenty five thousand dollars ) and I believe that Navient has now increased this  amount trifold. I can not afford to pay the amount that Navient is insisting as a monthly payment of {$1600.00} ( one thousand six hundred dollars ). 
I have pleaded with them and they are not willing to try and help me get into other payment plans. They have said that I do not qualify for any plans, yet I continue to work for a XXXX XXXX XXXX, in California. 
I am pleading with your agency as I am a victim of fraud and deception by Navient Corporation. They have ruined my credit and my ability to qualify for a loan forgiveness or any reasonable program that is available to me. I am in your mercy and pray that you will hear my plea. Please help me. Thank you for your time, Respectfully, an XXXX  who works with XXXX  who strives to make a difference in their lives.
Product: Credit card or prepaid card

My name is XXXX XXXX. Ive been a victim of credit card fraud but my CITI bank wont help me. There were 3 transactions charged on XX/XX/XXXX, XX/XX/XXXX, ( {$260.00} ; {$890.00} ; {$54.00} ). I called the fraud department immediately when I saw these on my mobile app. They told me they will help me. I thought the matter had been taken care of. Than, on XX/XX/XXXX, I saw that I have been charged the interest. I called Citi bank and they said cause my card was present to the store. They refused to help me. They said I have to deal with the store. But how am I suppose to know where the store is, I swear to GOD.  I have never been to the store in my whole life, and that is their fault they did not see the significant was not from mine. And I really do not how the fraud had my card to present. That is unfair to pay the fee was not from me.
Product: Debt collection

Good morning, I wish to opt out of. Per the FCRA as a federal protected consumer I'm not opting out of any and all authorizations I the consumer may have given you written/unwritten, verbal and nonverbal per 15-USC 6802. 







This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from TransUnion regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. ) Account Name : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Original Creditor : COLLECTION The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$130.00} The above account was never late, contrary to the information on my credit report. I kindly request TransUnion to correct this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had grain since XXXX and out of no where my payments stopped coming out of my account without me knowing I contacted grain via email as they dont have a number where I can call them They took months to reply to change my info. Now it doesnt even let me pay with a debit card. Now my credit score was ruined because of their lack of communication. I would like these 3 late payments removed please. Im trying to buy a house