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

The money was supposed to reach my receiver by XX/XX/2024. Yet, at the time of filing this complaint, i.e., XXXX, XX/XX/2024, the money has not reached its destination. When the company ( Western Union ) was contacted, its customer service associate was also clueless. Yet, my bank account shows that the amount has been debited from my checking account.
Product: Credit reporting or other personal consumer reports

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. 
XX/XX/XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed 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 inaccuracy.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 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 card or prepaid card

Chase Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Debt collection

Debt is not mine and was dropped from my credit report due to invalid information by another debt collector.
Product: Debt collection

To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email address below and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will respond. My email address is XXXX. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. 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. The following items should be corrected immediately : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion on XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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

XXXX XXXX, ( Debt Collection Agency ), has been constantly harassing me with numerous calls at various hours of the day/night while not only when Im at home, but even at work where I told them not to call during my work hours! My credit account with XXXX XXXX, ( Debt Collection Agency ), was disputed with all 3 credit bureaus. After XXXX investigation into the account they deleted their debt collection from my credit account ; however XXXX & Experian both claim I had disagreed a Correct debt with XXXX XXXX and refuse to take the collection off my report even when it was proven to be deleted by XXXX investigators/investigation claim/dispute! Through just the week of XXXX XXXX XXXX has contacted me a number of +9-10 times throughout the week under their number of ( XXXX ) XXXX from XXXX XXXX, SD as well as calling during my work hours when I specifically told their company not to do so. This is in clear violation of the harassment code of the Fair Credit Reporting Act and I would like their collection removed from my account like XXXX team has wonderfully done and want the harassment by their company to end!
Product: Credit reporting or other personal consumer reports

XXXX bank, wells fargo, XXXX Bank, Bank XXXX XXXX, XXXX card, XXXX Bank XXXX, XXXX XXXX XXXXY, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Acceptance has taken several hard inquires out on all 3 of my credit reports that were unauthorized. On top of that, they did not follow the fraud alerts on all 3 of my credit reports and call me to verify it was me asking for credit. Any hard inquires that were taken out on my credit report from XXXX of 2023 to current date are fraud/identity theft. I have called you several times and I'm transferred XXXX times
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX  XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018
Product: Credit reporting or other personal consumer reports

This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the credit bureaus are deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXXXXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. 

XXXX XXXX XXXX XXXX  - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Your actions are in violation of FCRA Laws XXXX XXXX XXXX XXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance. 

XXXX XXXX XXXX XXXX XXXX  15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX - XXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance.
Product: Mortgage

I have tried to obtain a modification from SPS who is now the servicer. For the past 3-4 years, I have had to deal with trying to modify my loan. I continuously send the bank everything they request for the modification and yet they have not assisted me or I was given a modification that just did not make sense! My understanding is that it should be should be affordable and the one they attempted to give me was at the same rate. It does not make sense that the bank would give me a modification that is at the same 7.46 % interest rate with a much higher balance, as the balance has not gone up due to the inordinate amount of time they have taken. It almost seems as if they stall since there is a little equity in my family home.
I could go on with the heartache this has created to our family. It is emotionally and physically exhausting to all of us. My parents as well have gone through a lot with this ordeal and their health is not the best. I had to file a chapter XXXX which in the end did not help. I then had to seek legal counsel to assist me with a work out with SPS and still the lender has been slow to reply. Why should I have to go through such lengths and costs and still may end up losing our family home?? We worked very hard to buy this home and we have tried very hard to keep our home. We are relying on a bank that does not seem to care since we have been working with them for, as I have mentioned previously, over 3 years with no resolution. Now it has been so much time, that we may not have the opportunity of a HAMP modification since those expired in 2016!
I am attaching my attorney 's letter that was sent to SPS which also details the circumstances we have gone through as well as other details of the situation.
Three years is a lot of time to have to deal with this, when the guidelines from what I understand is that the review should have not taken more than 30 days.
Thank you in advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received results back from Transunion stating that they verified a bankruptcy with the Circuit Courts of XXXX Virginia for XXXX case XXXX. Well, I have proof that the courts don't prove anything nor report anything to the consumer reporting agencies ; I also have a letter from XXXX, a third-party vendor the consumer reporting agencies use to verify public information stating that no public record exists in their system. Transunion may also try to say they verified this information with PACER which is a direct violation of the Privacy ACT of 1974. The act states the following : The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Since the courts are the ones who hold these records and they don't report anything nor verify the information I am to assume Transunion is ILLEGALLY reporting things about me and is a violation of the LAW.
Product: Student loan

I am trying to make an additional target loan payment. The website says to call them. Call times are XXXX minutes and the recording says I can make an additional targeted loan payment online. Online says to send a secure message about making an additional payment, and they will respond in 3 business days. Currently waiting a week to hear back. 
I dont know why they are making additional payments so difficult to make. Do they not want loans to be paid in full? It seems like they want borrowers to take on additional interest payments due to their slow response. This seems inappropriate and slightly illegal. 

To summarize, I am trying to make additional payments to specific loans to pay off my loans and manage my interest. MOHELA doesnt allow easy additional payments to be made. It seems they dont want the loans to be paid off.
Product: Credit reporting or other personal consumer reports

I have settled a debt with XXXX XXXX which is the debt collector for Victoria Secret/Comenity Bank . In exchange for me settling this debt it was agreed that this would be completely removed from my credit report with XXXX. However XXXX AND COMENITY BANK has violated my rights by still reporting this impactful information on my credit report. I have already submitted a complaint to the CFPB which is attached and XXXX XXXX responded saying the did receive the payment. I would like this removed from my credit report immediately and I am seeking monetary relief for violating my consumer rights. Also, It's been 7 years since this account has been closed, there's absolutely NO reason why this account is still reporting on my credit report. I am holding COMENITY BANK XXXX  XXXX responsible and I am seeking monetary relief from both companies.
Product: Credit reporting or other personal consumer reports

THIRD ATTEMPT. Third Party Creditors IS NOT LICENSED AND BONDED TO COLLECT ANY DEBT for me IN THE STATE OF GEORGIA AS PER NMLS ( National multi state licensing system ) consumer access. This is illegal Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed a total of XXXX inquiries on my Equifax consumer report and in less than 8 hours, Equifax " reinvestigated '' and found all the inquires " factual '' I demand to see all documents obtained in the " reinvestigation '' that validated these inquiries that did NOT result of any credit extension or new open accounts. In pursuant to [ 15 USC 1681i ( a ) ( a ) ] the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Confirmation # XXXX that is confirmation numbered I received from Equifax following " reinvestigation ''
Product: Student loan

XX/XX/17 Called to ask Navient to increase my monthly direct deposit from the minimum, and to apply the additional funds to the loan with the highest interest. I also asked that any additional payments I make, in addition to the newly increased minimum payment, be applied to that same loan as well. They said this was n't possible because the loans were consolidated. I asked to speak to someone who could help me and was put on hold for 20 minutes. Finally spoke to someone who reiterated that it was n't possible, then reversed course and said the loan with higher interest was not part of the consolidated loans, and that they could do this for me ( online there is no option for me to apply payments to individual loans, it says they are all consolidated ). I reiterated what I wanted, and they had forgotten to add the stipulation that any additional payments be put toward the loan with the higher interest rate. After being put on hold and waiting 5 min or more again, this was finally resolved as well.

I asked that they make this an option online for others, or at least train their customer service reps to identify the steps to help borrowers pay down their highest interest loans first, and was told that " we have to follow FCC guidelines. '' Not sure why this means they ca n't make the process of paying down higher interest loans first easier for borrowers.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 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 ) ( 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 the information is inaccurate.
Product: Mortgage

Dear Officer I am writing to report that Bank of America has never listened to its customers and has never looked into their mistakes. 
I followed the instructions of Bank of America but Bank of America did not keep its own instruction. Please ask Bank of America why they have XXXX policies for the same transaction? 
Thank you! 
XXXX
Product: Student loan

Last XX/XX/XXXX checked on FSLP loan forgiveness for non profits and asked them to calculate how many eligible payment is had made ( should start XX/XX/XXXX ) still have not resolved this and they sent me a letter in XXXX that it is first come first serve. 

XX/XX/XXXX received letter to recertify my IDR student loan. Resubmitted my information in XX/XX/XXXX. XX/XX/XXXX received letter it was too early to resubmit and the XXXX letter should not have been submitted. 

XX/XX/XXXX received letter they did not receive my resubmission informaiton to receritfy my IDR student loan ( I am with fed loan ) I called and staff said the person who told me in XX/XX/XXXX that I did not need to recertify in XXXX was incorrect. They had raised my loan payment for {$380.00} to {$1100.00}!!!! I had to take a two month forebarence to sort this out and the interest is {$600.00} extra due to their mistake. 

I have emailed and called since then and they sent me an issue saying it appeared the issue was already resolved. I emailed them back that it is not resolved
Product: Credit reporting or other personal consumer reports

In researching XXXX 's notifications of late payments, I have made numerous complaints regarding XXXX XXXX XXXXXXXX charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding the status of an underlying obligation associated with an account held with your corporation. It has come to my attention that the original instrument of the said underlying obligation has not been provided, rendering it impossible for the obligation to be made payable. Therefore, I am demanding immediate action on your part. As per the terms and conditions governing such matters, it is imperative that the original instrument be provided for an obligation to be considered valid and enforceable. Given the absence of the original instrument in this instance, it follows that any and all obligations pertaining to any and all payments are null and void. Consequently, I hereby request that you promptly take the following actions : Remove any and all obligations of payment associated with the account pertaining to my person. Immediately delete the tradeline associated with the aforementioned account from being reported to any and all consumer reporting agencies. Failure to comply with this demand within a reasonable timeframe will leave me with no choice but to pursue legal avenues to enforce my rights. Moreover, please be advised that TOYOTA FINANCIAL SERVICES ( " TFS '' ) and TOYOTA MOTOR CREDIT CORPORATION ( " TMCC '' ) will be held liable for damages resulting from any further reporting or attempts to collect on this invalidated obligation. I trust that you will give this matter the urgent attention it requires and take the necessary steps to rectify the situation promptly. Should you require any additional information or clarification, please do not hesitate to contact me at the above-mentioned contact details. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

XXXX XXXX XXXX  date of inquiry XX/XX/2022. 
XXXX XXXX  XXXX date of inquiry XXXX. 
XXXX  date of inquiry XX/XX/2022. 
XXXX XXXX XXXX XXXX inquiry XX/XX/2022. 
XXXX date of inquiry XX/XX/2022. 

The list above are companies that have been listed for inquiries in my credit report. I have not authorized any of the inquiries made by these companies.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX