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

Accidentally sent money a few years back and when called they couldnt do anything about it. There wasnt a disclosure making sure I was sending it to the right number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted for almost a year to contact XXXX  with no success. The one time I did get in contact with a live representative they lied and said that I didnt submit a police report. I did multiple times. My identity was stolen and now irreparable injury has occurred due to the neglect by XXXX  to remove the fraudulent accounts from my credit profile. This is my final attempt and notice that I will file a federal lawsuit against them if they will not comply with the laws that govern them.
Product: Debt collection

Aldous and Associates XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCT # : XXXX has been trying to collect a debt that is not enforceable for a number of years. I used to be a member at XXXXXXXX XXXX XXXXXXXX in the XXXX XXXX XXXX XXXX It was a non contract month to month membership that could be cancelled at any time. 

I informed management that I would be moving to XXXX, MI in XXXX of 2018 and would no longer be using their facilities. They had me sign a little touch pad and told me I was good. Apparently ; I wasn't. 

I am nearly 2,200 miles away from any XXXX XXXX XXXX facilities and am a member at XXXX XXXXXXXX which has facilities NATION WIDE including in the XXXX XXXX XXXX There is no reason I would have kept this membership as I visit XXXX for a week maximum every eighteen-months. 

XXXX and XXXX have already removed this from my report ; however, the company themselves have not removed it from my XXXX XXXX report.
Product: Debt collection

Hi CFPB I am filing a complaint that's related to complaint number XXXX they have change there name on my XXXX from hunters warfield to XXXX   XXXX XXXX. These guys are playing games with my XXXX and credit which isnt fair. I offered for an exchange but they will not send me original proof with my signatures showing its mine. They are playing games by harassing, threatening, using bad language very rude as I was being very respectful and polite. Their also changing the balance and their names on my report on XXXX and XXXX  its showing closed negatively and the name they have is hunters XXXX and on my XXXX its show open and a different name XXXX   XXXX XXXX. I'm just now seeing this on my XXXX under section XXXX under fcra they have violated the statue of limitations this must be removed of all my XXXX credit reports or else it's a {$1000.00} fine for each. This is a complaint I have filed related to complaint number XXXX they keep harassing me wrongfully I almost lost my job when they said I was going to be arrested at my job. This isn't right. 

Thank you cfpb for your hardwork I really appreciate your help.
Product: Credit card or prepaid card

We have a Home Depot credit card issued through Citibank. It has a XXXX balance. 

On XX/XX/21, {$3000.00} was accidently transferred via our bank 's bill pay system to the Citibank/Home Depot card.

Currently, we have a {$3000.00} credit on the account.

Citibank/Home Depot is refusing to return the funds in any format. They refuse to transfer the funds back to the account from which they came, to the account linked to the credit card, or to issue a paper check.

Because one spouse is listed first on the bank account ( although it is a jointly held account ) and another spouse is the primary user of the credit card, Citibank/Home Depot claims they can not return they funds. Both spouses share a mailing address.

Citibank/Home Depot has been provided with copies of routing information regarding the transaction and joint ownership verification of the checking account. 

The loss of access to these funds is a hardship for us. A satisfactory resolution would be the return of the funds in any way -- to either or both spouses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is incorrectly reporting a Prepaid Credit card on my account that is over 7 years old and does not remove from my profile. 

Original account was {$200.00} dollars Paid in full upfront since it is a Prepaid card. 

It is impossible for this to be more or charged more on this Secured credit card. 

XXXX XXXX XXXXXXXX has XXXX false information such Amount, and Dates. 

I requested original contract and XXXX XXXX XXXXXXXX has not provided this with information to me with a WET signature. 

Account reports PAID but they reporting it has negative Please remove
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice demanding the immediate removal of several unauthorized inquiries listed on my credit report. These inquiries were made without my consent or any valid permissible purpose, thereby constituting a violation of multiple federal laws protecting consumer rights. 

Inquiry Details : - Equifax Mortgage Service ( Miscellaneous ) Date of Inquiry : XX/XX/XXXX - XXXX XXXX XXXX XXXX ( XXXX  ) Date of Inquiry : XX/XX/XXXX - XXXX ( XXXX  ) Date of Inquiry : XX/XX/XXXX XXXX. Supremacy Clause According to the Supremacy Clause, federal laws take precedence over state laws and corporate policies. Your agency is legally obligated to comply with federal regulations regarding credit reporting and consumer privacy, rendering any conflicting state law or internal policy secondary and non-applicable. 

2. 15 U.S.C 1681 ( a ) ( 4 ) This statute emphasizes the protection of consumer privacy. The inclusion of unauthorized inquiries on my credit report represents an invasion of my privacy, violating this statute. Consumers have an absolute right to maintain the confidentiality of their personal information. 

3. 5 U.S.C 552a ( b ) No agency is permitted to disclose personal information without the written consent of the individual involved. These unauthorized inquiries were made without my explicit consent, constituting a direct violation of this provision. 

4. 15 U.S.C 1681b ( a ) ( 2 ) This law requires a permissible purpose for furnishing a credit report. I did not provide any such permissible purpose for these inquiries, making them unauthorized and illegal under this statute. 

5. 15 U.S.C 1681b ( c ) ( 3 ) During my recent investigation into these erroneous inquiries, your agency incorrectly advised me that the law mandates the inclusion of these inquiries. This is a misrepresentation of the law, which clearly states that you " shall not furnish to any person a record of inquiries '' without permissible purpose. Consequently, these inquiries must be removed immediately. 

6. 15 U.S.C 1681a ( d ) ( 2 ) ( i ) According to this provision, a consumer report does not include any report containing transactional or experiential information. The unauthorized inquiries in question should not be included in my credit report. 

In light of these clear legal violations, you are required by law to take the following action : 1. Remove the unauthorized inquiries listed above from my credit report. 
2. Provide a confirmation letter stating that the inquiries have been removed. 
3. Rectify my credit report to ensure it no longer includes these unauthorized inquiries. 

Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the relevant statutes. Unauthorized inquiries significantly impact my creditworthiness and overall financial health, and your prompt compliance is not only expected but mandated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX Hard inquiries that i dont know about XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX /XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In process with short sale for property on XXXX XXXX XXXX, XXXX, CA. XXXX. Accepted offer of {$240000.00}. 1st and 2nd asked for new price of {$250000.00}. Buyer obliged to pay {$250000.00}. XXXX is the loan on the first, through XXXX XXXX. XXXX has accepted the offer, and from XXXX procedures, is offering the 2nd loan with 21st Mortgage the industry protocol of {$6000.00}. 21st is holding up the short sale and is insisting on {$44000.00} and that the first mortgage should pay them the difference of {$6000.00} and {$44000.00}. XXXX is saying no, due to industry standard. Short sale specialist and myself have contacted 21st. 21st is stating we should do a deed in lieu, which makes no sense, as 21st would have to buy out XXXX and come up with {$240000.00} to do that. 21st was not the original loan, they bought the loan from XXXX. 21st has an acceptable offer, and is industry standard, but would rather get nothing and ruin my credit when I have done everything they have asked of me to make this difficult situation better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX  XXXX I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Credit reporting or other personal consumer reports

I've disputed incorrect information on my credit report with all 3 Bureaus and I have proof that it was removed and then it shows right back up on my credit report.
Product: Mortgage

I applied for and was approved for a FHA mortgage through Philadelphia Mortgage Advisors and had a closing date of XX/XX/2020. I was locked in at an interest rate of 3.175 %. Due to an issue at settlement, our closing had to be rescheduled to XX/XX/2020. We were still locked in to the rate and were scheduled to close. Three days before settlement, I received my Closing Disclosure with the wrong interest rate of 4.125 %. I immediately alerted my mortgage advisor. She insisted that I was wrong, that the interest rate was never changed and that if I did not sign the CD that day, I would not close and would lose the locked in interest rate. This was upsetting because my family and I were already in the new property. On the original settlement day, my own home was sold before I knew about the U & O issues. My family was essentially homeless. So, My husband and I signed the loan with the wrong date out of fear of not being able to purchase the home at all. Immediately after settlement, I contacted the mortgage company and the President of the company came to my home and we signed new loan documents. I mentioned to him that since the interest rates were wrong, I had overpaid and had to be due a refund. He agreed and said he would send that out. 
That never happened. I never received a breakdown of an overpayment or a refund from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 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 OPM 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 U.S.C 1681. 
Account Name : XXXX XXXX XXXX XXXX : {$2000.00} 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 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 fallowing items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 : ( A ) ( 1 ) 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 information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute fraudulent charges on my credit reports for the reporting providers listed below : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Medical Data Systems : XXXX XXXX XXXX, XXXX XXXX XXXX, Al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 19034 15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent!

I am requesting that the charge be removed from each reporting agency. I have not received any account number or correspondence regarding these accounts. Pursuant to the law, I am providing you with the following documentation, so that you can verify my identity : ( A ) A copy of my drivers Please investigate this matter and correct the fraudulent charges/debit as soon as possible. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I ( XXXX XXXX ) purchased a used XXXX XXXX XXXX from US Auto Sales located at XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX on XX/XX/XXXX. My sales rep was by the name of XXXX. The car originally had approximately XXXX miles on it and was diagnosed to be in great condition with all mechanical aspects checked and accounted for. The first payment was made on XX/XX/XXXX at XXXX XXXX  of {$250.00} with a confirmation number ( XXXX ). The following payments below followed : XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$240.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$240.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XXXX Payments were made via automated phone service. 
XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # XXXX ) XX/XX/XXXX : {$150.00} ( XXXX ) XX/XX/XXXX : {$350.00} ( XXXX ) XX/XX/XXXX : {$350.00} ( XXXX ) XX/XX/XXXX : {$100.00} ( XXXX ) XX/XX/XXXX : {$200.00} ( XXXX ) My Customer ID XXXX with U.S Auto Sales before the merger on XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX  I called the claims department where I spoke to a representative by the name of XXXX. I explained to him that I was experiencing electrical issues that cause my car to turn off and display all dash lights. XXXX then provided me with a claim # : XXXX. I ( XXXX XXXX ) also reached out to my Sales Rep by XXXX who I explained the issues to, and I was directed to a Repair Claims FAQ card. 

I am filing this claim because my balanced owed on the car does not reflect the amount paid and I was falsely sold a car that stated that all mechanical work was up to date. However, once taking my car to the XXXX dealership it was explained that the car needed Drive Belts replaced, the brake fluid was never replaced and very dirty along with the transmission fluid. I also received my first oil change ( XX/XX/XXXX ) 2 months after purchasing the car on XX/XX/XXXX, after it was stated that all fluids were of good standing and up to date.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX. XXXX, XXXX - XXXX XXXX - XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX XXXX made a charge for {$520.00}. 

On XX/XX/XXXX, I filed a dispute with Wells Fargo for the amount of {$520.00} The merchant failed to complete the service for a XXXX XXXX. 

Wells Fargo Requested paper work that we were using another Dentist to complete the work since XXXX  XXXX XXXX XXXX would not complete the XXXX XXXX unless paper work was signed giving up the right to seek legal action based on their medical opinion. 

Paperwork was submitted to Wells Fargo as requested. 

Wells Fargo sided with the merchant even though the service was not completed. 

The Charges were added to my card again on XX/XX/XXXX Wells Fargo Case Number XXXX
Product: Vehicle loan or lease

I purchased a XXXX  truck through this company. Never received a refund on our gap coverage when the vehicle was paid off early.
Product: Credit reporting, credit repair services, or other personal consumer reports

A overseas call center for a creditor in approximately   XXXX   input my name incorrectly as  XXXX   XXXX . That name now shows as an alias on my credit file. I have disputed this with  XXXX  who stated that according to the creditor the information is correct even though I stated in writing  XXXX   XXXX  IS NOT my name, was added by an overseas call center employee who could n't understand my   XXXX   XXXX  , and I HAVE NEVER used that name!  XXXX  REFUSES to correct the error!!!!
Product: Debt collection

Original letter XX/XX/XXXX from Radius Global Solutions LLC ( attached ) They state I owe XXXX XXXX XXXX {$1800.00} dating back to XX/XX/XXXX XX/XX/XXXX - I responded w/ a dispute letter ( attached ) Stating to see the original bill. 
There has been no contact from XXXX XXXX XXXX stating that I owe this amount. 
And I do not have any outstanding collections on any of the 3 credit bureaus. 

XX/XX/XXXX - They responded w/ another letter and a simple bill on XXXX XXXX XXXX letter head dated XX/XX/XXXX ( attached ) I think my identity has been compromised, this is the second collection agency that has appeared in the last few months. I will also follow with a second agency that sent a subpoena to my home stating I owe them $ under my maiden name that I have not used since married in XXXX. 

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

On XX/XX/2020 I disputed these accounts with the credit bureaus. It has been over 60 days and the fraudulent accounts are still reporting on my credit reports. I thought the credit bureaus had 30 days to complete an investigation 611 ( a ) and if they don't that is automatic grounds for deletion. Clearly it has been over 30 days. I am stressed out about this and being a victim of the XXXX data breach just makes the situation worse because my information could have gotten in the hands of scammers. These accounts should be deleted from my credit reports.
Product: Debt collection

Creditor Name Account number shown on credit report Phone number Current Balance Comenity/MyPlace XXXX None Provided {$950.00} ( {$260.00} is past due ) XXXX XXXX {$700.00} XXXX XXXX {$500.00} XXXX XXXX None Provided {$0.00} MTHMortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXXXXXX Balance Owed : {$380.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXXXXXX 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Mortgage

We had a terrible health issue and outstanding medical bills. We had to file bankruptcy still working with Wells Fargo mortgage They were included thru the process. Then XXXX  Wells Fargo breach the contract. First they was paying our property taxes without no notice and we sign a waiver that we would pay our. Self. Then a few months later we called about XX/XX/2012 around that time was told u dont pay this month. You can skip this month payment of course we did they took us to XXXX. They would not stop just send our check back no credit no accept any money the foreclosure fees they just would not work with our lawyers or anyone until they forced us into modified XXXX yrs. Unjust false claims alter records fraudulent was very real in them