23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, More than a year ago, I had a few expired tabs tickets with XXXX XXXX in Washington XXXX. This debt was sent to Alliance One, who then contacted my employer and garnished my wages. 

I paid the total out of the first pay check I received after they corresponded with my boss and her assistant. {$300.00} was deducted from my paycheck, which was the total I was told that I owed. Today, I received a packet of documents in the mail saying that I had a court day in one month, in a town other than where I live and that I owed Alliance One {$140.00} more dollars. The break down for this amount is a {$12.00} filing fee, XXXX for postage/certified mail costs, {$100.00} for garnishment attorney fees and {$20.00} for other. Do they not have to explain what " other '' is? 

I had not previously received any notice that I owed more money, so the first contact about this amount, was court papers. This seems unfair, to charge me more money again, a year after we have settled and also unfair for them to send me court papers without even contact me first and giving me the chance to clear the situation up. 

I XXXX do not make much money. I have been saving money to go to college and next week is my last week of work. Although to some people, {$140.00} is not much money, to me it is a significant amount of money. i am already stressed about the amount of money I have saved for school and this is an unneeded and inconvenient XXXX that I would have liked to have deal with a year ago. 

Thanks for any help you can offer! 

XXXX XXXX
Product: Credit card

Please examine the enclosed documents. I urge the bureau to initiate an inquiry into the accounts that mistakenly label me as late, despite my consistent punctual payments.
Product: Credit reporting or other personal consumer reports

Hard Inquiries : XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX , - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 


XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX , - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX , - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b.
Product: Checking or savings account

I recently started using Ally back spending/checking account. My account was locked after I initiated a wire transfer for XXXX days now. I was emailed to verify the transfer to which I obliged. After verifying the wire my account is still locked and the company states they are still reviewing the wire transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did something illegal by removing And re adding a account called XXXX XXXX  XXXX. They was very rude when spoken with on the phone multiple times and acknowledged that they removed it but it was readded!! They re added that deleted account less then two days after removing and by doing that went against FCRA section 611! This dropped my score 21 point when they did this. Their negligence must be stopped! This account must be deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I perviously made a complaint about this issue with TransUnion. They closed the complaint stating they needed authorization from me in order to move forward with the complaint but when i called today on XX/XX/XXXX i spoke with agent XXXX XXXX about my CFPB complaint id # XXXX and i was informed it was closed completely. After reviewing my consumer report again i see that TransUnion willingly and knowingly agrees to take action against my federally protected rights. Pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) Any report containing information solleey as the transactions or experiences between the consumer and the person making the report should be excluded. Person is defined in 15 USC 1681a ( b ) Any individual partnership corporation trust etc. I am the consumer and XXXX XXXX XXXX  XXXX XXXX  ( XX/XX/XXXX ) and XXXX  XXXX, XXXX ( XX/XX/XXXX ) is the corporation in this case Which puts you in violation reporting late payments. TRANSUNION is also using criminal means to harm my consumer reputation by reporting late payments on these accounts violation 15 USC 1692d ( 1 ). I am demanding that you remove the late payments listed below from my consumer report immediately as it is is a violation of my rights as a federally protected consumer under title 15 Chapter 41. Also labeled as exhibit a is proof of the violations and attached is a updated copy of the late payments still being reported
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC has not provided debt validation of alleged debt. Its been over XXXX  months and they never sent me documents of my request
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, XXXX contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels XXXX not following all the steps. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, XXXX at wits end. This is the XXXX complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. XXXX is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Product: Credit reporting or other personal consumer reports

You are reporting negligently and inaccurately and failing to comply to the FCRA. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. 

The item ( s ) in question that I believe were opened as a result of the data breach are : 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: Credit card or prepaid card

For the past two years I have been contacting Bread Financial because of two disputes I needed to submit, these disputes totaled {$800.00}. I have contacted them through phone, the card portal and through email. Just recently I've been emailing them consistently for the past couple months and they have been blatantly ignoring me. The main three people that I was told would be able to help me are the ones ignoring me, XXXX XXXX, XXXX XXXX and XXXX XXXX. The other representatives that I've spoken to over the years of trying to resolve this, have never been able to help me because they have told me straight out that they don't know what to do. Nobody I spoke to was trained enough to help me with a simple matter and instead they just ignored me hoping I would leave. I've even tried getting in touch with the legal department to take action, again I was blatantly ignored. This is unacceptable and unprofessional of them.
Product: Checking or savings account

Second PPP. Wells Fargo has not updated their application to reflect the changes the Biden administration enacted. I received the second PPP but am eligible for more money since the application should not be based on line XXXX from the Schedule C. The Biden administration has updated the application to assist businesses who do not have a profit and should be based on gross sales.
Product: Credit reporting or other personal consumer reports

Did not properly investigate disputes regarding things on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : TRASUNION Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. TransUnion reports the account as derogatory, while XXXX shows it as paid. Additionally, the reasons for closure vary, with TransUnion reporting it as canceled by the credit grantor and XXXX indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing.

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Checking or savings account

On XX/XX/2021 I visited a Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I was attempting to transfer money into my chase account from another bank. While I was there, I spoke with a bank teller and explained my request. The teller then involved the manager on duty. The manger told me that there was a problem with the other account and that they were unable to transfer the money. I left the bank and soon found out that whatever the manager did caused my chase accounts to be frozen/restricted. I was unable to use my debit cards, transfer, or withdraw my money. I had to spend several weeks, and a lot of my time and money to get this fixed. Not having access to my funds during this time caused me numerous problems and I also lost income due to having to take time off of work to go to another chase branch in person to get it fixed. As was no surprise to me, the end result was the chase had made an error and access to my account and funds were restored. I never received any compensation and not so much as an apology for any of this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am distressed that this XXXX has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Three of my Synchrony accounts were closed as a result of error. 1. Lowes 2. Value City Furniture, 3 Care Credit. 

The reason accounts were closed is because Lowes took an un-authorized payment on XX/XX/2022 of {$5100.00} dollars from my checking account which triggered approximately ( 20 ) account payments to other creditors to overdraft my personal checking account! 

I Immediately was notified by my bank, XXXX XXXX XXXX that the account was overdrawn and I then Contacted Lowes to seek a remedy for this error. Lowes refused to rectify this error and said that it would take them 7 days to issue a credit back to my personal checking account! 

Meanwhile, had I waited 7 days, ALL my other accounts with creditors would have been returned and delinquent. I spent years establishing & building my credit profile and have been a loyal customer to Lowes. I have ALWAYS made my payments on time. 

Because Lowes failed to resolve the issue after several attempts, Synchrony has closed the 3 accounts as mentioned above. 

This is causing me damages to my credit Integrity and is also damaging my credit profile. 

I want my accounts restored and and ALL derogatory information to be Immediately resolved as it should be. 

Note : Would like to also mention that because Lowes failed to remedy that I had no other choice but to stop payment on that account. I contacted my bank XXXX XXXX XXXX and placed a temporary block on Lowes which I later removed and then submitted minimal payment that Lowes required of {$540.00} which included late fee 's. It was after I had made this payment that Synchrony Bank closed my 3 accounts! The Payment was made on XX/XX/202XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX when I reviwing my statment I found 2 transactions I did not made them I caled Sears Card company and filed a claim and the removed it After that they sent me forms to sign. I signed them and sent it back to sears card company. 
But in XX/XX/XXXXI found these 2 transactions again in my account I called Sears card company again but they did not solve my complain. 
Thaese transactions are XXXX XXXX {$4100.00} TYPE Sale POST DATE XX/XX/XXXX REFERENCE NUMBER XXXX XXXX XXXX {$1300.00} TYPE Sale POST DATE XX/XX/XXXX REFERENCE NUMBER XXXX I did not made these transaction and I did not receive anything
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial has an auto loan being reported on my credit as a repossession/charge off and that information is incorrect. I spoke to numerous representatives to resolve this matter but they keep trying to negotiate a balance that is incorrect. I spoke to representatives from ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I tried to make an international transfer to a friend. 
The transaction has gotten declined, and when I chatted with Moneygram I was informed that the transfer was flagged and my account was under review. 
Fast forward to XX/XX/2022, after unsuccessfully attempting to log into my online Moneygram account, I called customer service and was informed the account was closed and all active transfers were cancelled without any explanation or recourse to remedy the situation. 
I understand that for Trust and Safety reasons, companies aren't able to disclose details of issues, but Moneygram provided no explanations whatsoever and this is unfair and harmful to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED COMPLAINT : XXXX has failed to apply the corrections regarding a charge off ( XXXX  XXXX ) account appearing in error and a name appearing in error ( XXXX XXXX ) despite two attempts. XXXX has used threats and XXXX against my family while enriching themselves with the sale and enrichment of themselves without providing just compensation to me or my family.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 Balance XXXX {$160.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I had a loan with Western Sky / XXXX / Delbert Financial Services. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away. 
XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}