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

I have been trying to wire transfer money from my high yield online savings with XXXX Goldman Sachs since XX/XX/XXXX. EVERY day I call and EVERY day I'm told a different reason as to why they can not complete wire transfer. Many, many different agents and supervisors tell me -- transfer has been sent, transfer is pending, sent to a different department, can not verify, etc etc etc. I asked if they were insolvent and was told that my funds are indeed in my account. So, why can't the transfer be completed. I had the same amount of funds with XXXX online and in XXXX minutes over the phone it was completed with no complications. I needed to funds to purchase a home, and I lost the house because the funds were not available. I need help. XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report in XX/XX/2019 and found a Discover Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. Contacted Discover Financial directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and  mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not been removed.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account PENTAGON FEDERAL CRE which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that PENTAGON FEDERAL CREwas not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX needs to be deleted from my credit report. 
They charged off the debt and sold the debt to XXXX XXXX XXXX. By law of fdcpa, when a debt is charged off and sold, that means the consumer has no more obligation to the debt. They have refused to remove this and this is discrimination. This has illegally damaged my credit for the past few years, and i will sue the credit bureaus for damages if this is not removed in 15 days! 

Please see attched letter below
Product: Credit reporting, credit repair services, or other personal consumer reports

The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.
Product: Vehicle loan or lease

I have a new truck loan with regions bank in XXXX XXXXXXXX  flAbout XX/XX/2019 I get a call from a bank manager XXXX  who states someone pretending to be me is trying to cash a check against my checking account the police are called the person is arrestedI’m then told I must sign a release form or my account will be frozen and my automatic payments for my truck can’t be processed from that checking account I must appear in person and have the funds transferred to a new account I then ask since I live in Colorado can the balance be applied to my truck loan I’m told no so I have regions send me a new form for auto payments and I think all is well I see the payments going out to them monthlyThen on XX/XX/XXXX I get a letter with my name on it that’s got the wrong mail address on it starting they took out money from my checking account from regions to pay my past due truck payments first I know of any problemI cont my bank in Colorado and I find out regions stop taking payments out in XX/XX/XXXX I call regions and I explain this to 4 different departments with four different reason why payments stop coming from bank of Colorado none where for no funds availableMy credit is ruin as of no from 4 non payments I ask the bank manager in XXXX XXXX  regions bank and to my surprise I find out my account was never frozen so I ask why cant I have my payments taken out of that accountThey are going to get back to me regions has my correct mail address as I get monthly statements from them from my checkingI have received no loan statements in 5 months I don’t know what the big withdraw from my supposed frozen checking account at regions is for or broken down and no one will XXXX  any question as to why this happened
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus, XXXX, Experian, & XXXX are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

Company by the name calls me up to 4 times a day i refuse to answer the initial time i tried to communicate
Product: Vehicle loan or lease

Hi, so I currently have an auto loan through Consumer Portfolio Services , Inc. And my concern and complaint it that they claim they are this ... " Consumer Portfolio Services , Inc. ( XXXX ) is a specialty finance company that provides indirect automobile financing to vehicle purchasers with past credit problems, low incomes or limited credit histories ''. But all of my billing statements they mail me, boldly state they are a debt collector and are collecting a debt. And also when calling me, me calling them, or them leaving messages ... they again, state they are a debt collector. My auto loan is not a collection, nor a debt that they are hired to collect on, so it really makes upset that I am being treated as such. I really do n't feel like this is legal and it does n't make for good practice of their company. Another thing, any time that I have ever been late on my payment ( which I 've never been more than a month behind ), they will call me over and over and over, and they will also call every single one of my 10 family members I listed as reference when I purchased my car, and was asked by the salesman for these names and numbers, and they are truly harassing me and my family by doing this. I 've asked them on several ocassions to STOP and they have continued to do it. And one last thing ... I 've made over {$7000.00} in payments to them since I got a loan through them in 2015 and only around {$320.00} has been made towards the principal of my auto loan. That is OUTRAGES!! My auto loan is the same amount due as what it was in 2015. I know this company has been sued in the past and they have a lot of complaints on them. I really wish I would 've known more about this company before buying my car.
Product: Credit reporting or other personal consumer reports

Transunion did not reinvestigate XXXX XXXX  acct # XXXX properly.They have not sent or mailed any proof from the creditor pertaining this account payment history. If they can not validate then please update account payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, XXXX and Experian is reporting late payments on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, XXXX or Experian written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, and XXXX are all in violation of my consumer rights by unlawfully reporting bankruptcies on my consumer reports. They are in direct violation of 15 USC 1681b. They do not have permissible purpose to report this information and nor have they actually verified or validated if the information that is being furnished is 100 % accurate. Pursuant to 15 USC 1681a ( e ) who did they talk to in order to verify the information? The courts do not report or furnish data to the consumer reporting agencies. I have a statement directly from the United States Bankruptcy Court XXXX XXXX of Mississippi website XXXXuscourts.gov stating that they do furnish or provide information as defined by the FCRA. 

I expect this grievance to be remedied immediately! I have been adversely affected by their unlawful actions, and I expect to be compensated. My ability to carry out my personal, family, and household purposes have been greatly hindered.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Continued Discrepancy and Repeated Verification of Inaccurate Negative Item by Experian Dear XXXX, I am writing to escalate an issue that I have been facing with Experian regarding the inaccurate reporting of a negative item on my credit file. Despite my previous attempts to resolve this dispute through Experians direct dispute process, the inaccurate item continues to be reported and verified, which I believe is incorrect and unfairly damaging my credit.

The negative item in question relates to [ insert the name of the creditor, account number, and date of the negative item ]. This account has been marked as verified multiple times by Experian, even though I have provided supporting evidence that shows it is inaccurate.
Product: Student loan

I have been dealing with XXXX XXXX XXXX as my student loan provider for several years now. I went with XXXX XXXX as I did not feel I had a choice. My issues with them first started in my senior year of college, spring of 2017. XXXX XXXX repeatedly called and demanded I begin to pay back one of my loans, despite the fact that I was still in school. I explained this was not possible due to that fact, and that I had chosen deferment until after graduation for all my loans. XXXX XXXX claimed I did not, and continued to harass me. They stated there was 1 loan, out of 5, that I had selected to pay while in my last semester. I told them that was a mistake, and that it didn't make sense given my other loans would not be touched until after graduation. They refused to work with me, and the loan started to build interest. After graduation, I began to pay as I could. I started working, but not a well paying job. I have made {$35000.00} a year since graduation in upstate New York. I still live at home with my parents due to this. Since graduation, XXXX XXXX has been nothing but uncooperative. They have raised the interest rates on each of my loans over 2.5 % over the past 18 months, and have set payment at 60 % of my monthly income. They demanded I pay {$1200.00} a month, despite the fact I only made {$2000.00} after taxes. This did not include the fact that I live an hour away from where I work ( 40 miles ) and was often stuck working weekends with no extra pay,  therefore gas costs also piled up along with my monthly car payment of {$400.00}. I have repeatedly asked XXXX XXXX to work with me, and they have refused. It has reached a near crisis point several times, with me falling into delinquency and them repeatedly asking me to pay more than I even make at that point ( i.e. asking me to pay all {$3500.00} I owe at once ). It reached its worst point yet this month when I learned I was losing my job at the end of the month. I called and requested to work with XXXX XXXX, when I told them I was losing my job on XX/XX/XXXX they said " how will you continue to pay us? '' and " why are you calling if not to make a payment? '' They did not offer to work with me. This is reaching a crisis point, I do not want my debt to continue to pile up. I have paid at least something just about every month, but I can not afford {$1200.00} a month plus rising interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS LAST XX/XX/2021. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 35 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Pacific Union Financial sold my mortgage on XX/XX/2019 to XXXX XXXX without notifying me first. I was not aware of this until I called my mortgage company ( Pacific Union Financial ) wondering why my payment was not automatically taken out. I made that phone call on XX/XX/2019 at XXXX XXXX on or abouts. I was informed that my mortgage had been sold effective XX/XX/2019 and that my automatic payment that was scheduled to come out of my bank account on XX/XX/2019 had been canceled. I asked why I had received no notification and I was told that I would be receiving something via mail soon. As of XX/XX/2019, I have received no such information. I did ask about the new company and was given the phone number and name, phone number XXXX. I will now have to reach out to this new company and try to make my monthly mortgage payment through them if possible.
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts on my credit report, and I have no clue how they got there. I check my credit report regularly, but this time, I noticed errors that were not there before. I even tried refreshing my browser to see if it was a technical issue, but the inaccuracies remained. Because of this, I request a careful review of the documents I have submitted to ensure this problem is fully addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update these accounts : XXXX XXXX Balance Owed : {$1700.00} ; XXXX  XXXX Balance Owed : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX  XXXXBalance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I was booking flight on XXXX XXXX. Citi Bank AAdvantage Platinum select card had a promotion stating that if I applied for card, and was approved I would get XXXX dollar credit on statement if I used new approved card to pay for current flight I was booking. I was approved within minutes and received confirmation email. However when I went to pay airline fare I had no credit card information to pay for ticket. I called XXXX XXXX and they said Citi Bank should provide temporary number since, in order to get the promotion I had to book using new card. I called Citi bank and they said I should have gotten email with temporary number in order to book flight and received promotion award. While received email confirming approval, I did not get email with temp number. Citi Bank rep XXXX informed me that temporary numbers are sent via automated system and that there was no way to manually send temp. number. She said I would have to wait 7 days for card. Obviously this would not work because I can't hold flight reservation for 7 days.
Product: Debt collection

Informed the company that items on my credit report is fraudulent and not mines
Product: Debt collection

Credit Acceptance Corporation had a lien placed against our home. The debt was placed with an attorney. The debt was paid via wired funds to the attorney from the closing of my home. I emailed, and requested multiple times to the attorney to please have it removed and documented through the courts and they took weeks to document it. I just reviewed my credit and my wife 's credit and found out every month Credit Acceptance is posting to our credit " repossession '' and " no payment made ''. They do this every month. This debt is from XX/XX/2015. I would like to have all of the reporting removed from my credit. It has been paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is illegally trying to collect on a debt that is not mine. To no avail, I have requested the following information by mail to verify accuracy of the debt : 1. The Name and contact information of the original Creditor. 2. The amount of the debt you say I owe. 3. What the amount of debt you say I owe is specifically for. 4. Explain and show me how you calculated the debt you say I owe. 5. Copies of any documents that shows I agreed to pay the debt you say I owe. 6. Documentation showing that I am legally obligated to pay the debt you say I owe. 7. A verification or copy of any judgement ; if applicable. 8. Proof that you are licensed and authorized to collect the debt you say I owe. 9. Provide me with your license number and Registered Agent. I have neither been notified of a debt nor have I authorized through written instructions any such account to be placed on my credit report. Furthermore, no verification of its accuracy has been provided to me. As a XXXX XXXX XXXX XXXX classified as " XXXX XXXX XXXX XXXX' I receive medical care exclusively through military installations, XXXX XXXX, and the Veteran Affairs. I have never incurred or authorized any medical debt. According to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX '' lacks any State Licenses/Registrations in the state of Florida, where I reside, to collect on a debt. This contravenes the FCCPA ( Florida Consumer Collection Practices Act ), which mandates all debt collectors, regardless of location, to be licensed and/or registered in Florida.
Product: Credit reporting or other personal consumer reports

Equifax is falsely reporting a current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on my credit report. I disputed this with Equifax last month, since I have never lived at that address. A family member of mine did live there, but I never did. 

Equifax closed the dispute shortly after, falsely claiming the address was accurate. My current address is XXXX XXXX XXXX, XXXX, GA XXXX but is falsely reported as a previous address. 

This improper reporting has caused difficulty with rental applications since it appears to creditors that I am misrepresenting my residential history. 

XXXX and XXXX do not have the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX address listed. 

I am willing to provide a notarized affidavit verifying that I have never resided at this address.