23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

XXXXime has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX CXXXX 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

I was paying my monthly mortgage in XXXX bi monthly payments using the web portal. I have been in late status since company took over my debt. They never honored my forbearance plan I had with previous servicer stating I was in non compliance with plan arrangements. They retaliated and blocked me from using web to send payments ( XXXX web access ) I called was informed they cant reinstate payment portal until Im caught up in payments. I have been paying consistently for years and now they made it harder for me to apply my payments because of the arrears.They instructed me to call and pay over phone from now on and I no longer have no access to my billing statements even though I requested it to be mailed to when the forced changes occurred. They havent sent me any statements and I feel its all retaliatory and not right Im being treated that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

American express had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX
Product: Debt collection

While reviewing my credit report in XX/XX/XXXX, I discovered an open collections account for {$180.00} from TSI/940. After finding contact information, I called TSI and requested documentation for this debt, and expressed that I had never received anything to support this, thus believed this to be inaccurate. The collector insisted several times that I make a payment with my credit card. I was told that even if I paid the debt, I would not receive a letter. Concerned that this was a scam, I denied making any payment until I received documentation to show this was a valid/accurate debt. 

After recently applying for a mortgage with my husband, I received notification from the lender of a Derogatory Account. Obviously, this was a severe negative impact to our home buying process. I learned this was reported XX/XX/XXXX - nearly 9 months after my initial request for documentation. Since I did not receive notice of this being reported to the consumer reporting agencies, I waited 30 days before calling TSI again ( ref. FCRA ) in case something would come in the mail. I received nothing. 
On XX/XX/XXXX I called Transworld Systems , Inc. and spoke with XXXX XXXX who provided me with the following information : {$180.00} is from an invoice dated XX/XX/XXXX Reported to TSI agency on XX/XX/XXXX I requested that she provide me with the dates for any mail correspondence that XXXX sent me. She provided only two dates : XX/XX/XXXX : Letter containing debt information XX/XX/XXXX : Letter offering payment arrangement, asking " how can you resolve this bill? '' Since I never received either of the two letters she referenced, I asked that she confirm the address she has on file. She had the correct address.

She also advised that the collection was reported to all 3 agencies 3 times and provided the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XXXX XXXX XXXX This has had a major impact to my credit score.

To date, I have not received anything in the mail allowing me to validate this debt. However, they continue to call me several times a day, from various numbers. Many of these calls come through my phone and say " Spam Risk ''. Several times I have answered and been hung up on. I do not have any voicemails from this company. When I reference the numbers I receive calls from, they do not match those which I find when doing a search online for TSI. 

I believe all of the above to be unfair and unethical collections practices - such as failure to provide notification and/or validation of debt, and failure to provide notice of reporting to consumer reporting agencies.
Product: Debt collection

i signed a contract with elastic XX/XX/2016 not with ncb management my original account with elastic account number ( XXXX ) consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and thier responsibility must consist of something more than merely parroting information recieved from other sources. the collection account is also reporting open, please remove this account immediately from my credit report. and please provide me a copy reflecting this account removed,,
Product: Vehicle loan or lease

I leased a new vehicle through GM Financial on XX/XX/19, at that time, the dealer paid my three remaining payments and purchased the vehicle. These payments were sent to GM Financial. 

As of XX/XX/19 GM Financial has not applied the payments. The dealer has called GM to resolve the issue and GM has yet to update the account.

I am currently closing on a home in 3 weeks and the inaccurate information on my credit report is adversely affecting my current standing and is a threat to successfully closing my home. 
I reached out and chatted with XXXX iwth GM who refused to provide any information to me other than the account showed unpaid.

She would not seek information from accounting, review account notes from the dealer 's conversation.

So I reached out to the dealer who reached out to GM again. This time he provided a corporate contact, XXXX XXXX, to aid in resolving the matter. I called XXXX and left a voicemail but have not heard back. 
Given the time sensitive nature of the issue and GM 's historical difficulties with payment applications, technical glitches and inaccurate migration data, I do not feel confident this will be resolved without the aid of the CFPB.
Product: Debt collection

On XX/XX/year> I had a collection put on my account without any notice. They refused to tell me what it was for. It's my address with XXXX but I use XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED TRANSACTION WAS NOT DONE BY MYSELF. 

PLEASE DELETE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Vehicle loan or lease

I obtained my XXXX XXXX in XX/XX/2019. At the time, I requested a lease ( I have leased countless vehicles over time, including XXXX prior BMWs ). I was provided a " lease agreement '', which the dealership referred to as BMW Owner 's Choice. I was told that this is how you lease a vehicle in Georgia. I didn't think twice. 2.5 years later I went to register the vehicle in another state. That state would not register the vehicle due to the conflict between ( i ) my name being on the title and XXXX ii XXXX the lease structure of the financing agreement. Even if they could register the vehicle, it would have required a full tax payment on the leased vehicle despite only 6 months less on the lease ( since my name was on the title ). Apparently BMW temporarily ( it no longer exists in Georgia ) created this structure to circumvent leasing laws in Georgia, yet neither BMW Financial Services nor Global Imports BMW provided NO DISCLOSURES around the implications of this, including the challenges with registering the vehicle in another state. I am now stuck in a situation where I am unable to register the vehicle. I spent hours on the phone with BMW Financial Services and with Global Imports BMW, even requesting that I turn the vehicle back in early and make the full payments through the balance of the lease term, since I can not be in a possession of an unregistered vehicle. Both entities neglected to get back to me on many occasions, due to their unfamiliarity with the financing structure they put in place that no longer existed. I have now run into a dead end.
Product: Credit card or prepaid card

Capital One continues to send me prepaid offers for a previous tenant, one who has  been gone for several years. This is creating a threat vector for this individual who could have his identity compromised by an individual (the new tenant, currently myself) who could use this constant barrage of pre-approved offers to the old address.I've sent pictures of the letters multiple times to privacy@ and abuse@ Capital One and there has been no response or change in their behavior.  In my opinion, they should not be sending pre-approved offers to individuals who do not live at the residence on file, especially if the postal service or the current tenant advises them that they are leaking possible PII and providing an opportunity for third parties to accept pre-approved offers unauthorized on their behalf.Please have them stop sending me offers for the previous tenant.
Product: Bank account or service

Charged overdraft fee more than 50 times even though I signed to be opt out. They still cant fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX data breach left me in financial Ruin. And the information on my XXXX and Experian   reports or not accurate. This is a nightmare. I want my score and reports to be fixed.
Product: Debt collection

I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES, PERSONAL LOAN UNDER MY NAME 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

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

I alleged that Credit Bureaus are in violation of FCRA Section 605b, due of negligence to removed the fraudulent information in my credit file, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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: Money transfer, virtual currency, or money service

I have an account at Chase Bank, XXXX XXXX, XXXX XXXX, MI and have been trying to obtain funds from a check dated XX/XX/XXXX for XXXX euros from XXXX XXXX and Co drawn on the XXXX XXXX Bank. This is inheritance money from my deceased mother. 

XXXX have confirmed that the funds have been sent XX/XX/XXXX, and accepted by Chase on XX/XX/XXXX. However, the funds have not been placed in my account. I call them regularly but they stonewall me saying that they need to talk to the Irish bank. Chase says they are working on getting the funds but nothing has happened since XX/XX/XXXX when the money was transferred ( see attached document ). 

The Banker who I was dealing with is XXXX XXXX. 

sincerely XXXX XXXX XXXX
Product: Vehicle loan or lease

I made an online payoff on XX/XX/XXXX and waited for the money to be deducted from my account. Two weeks later, when nothing had been done I called them on XX/XX/XXXX and XX/XX/XXXX as well as emailed them, trying to get an explanation. I received several emails and letters saying the account was paid and closed. I tried to contact them in the second week of XXXX, XXXX and was told " out of sight, out of mind. '' I transferred money from the account back to an interest earning account and waited to hear from them. In the meantime, I received another letter saying the loan was satisfied. I even received the title. 
On XX/XX/XXXX I received a phone call saying my monthly payment was overdue. I explained to two XXXX what had happened.I offered to pay the payoff amount as of XX/XX/XXXX by check but they insisted I now owed interest on the loan. Just a crooked way to get extra fees out of their customers. Was not that much, {$150.00}, but from what I have read since this is a common practice for this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This capital one account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. Capital one XXXX shows multiple times on credit reports as negative and inaccurate.
Product: Money transfer, virtual currency, or money service

I used Moneygram to transfer {$500.00} usd to my mother in XXXX on XX/XX/2022. {$500.00} was deducted from my bank, but was never received in XXXX. Moneygram gave me a receipt saying that the money was sent successfully and would be deposited in the receivers account. It has been approximately a month now and money still has not been received in XXXX. I have called Moneygram 8 ( eight ) times now, all they say is that I have to wait 90 days for a resolution. They say that the money is stuck in transfer and there is nothing they can do. I dont understand why they refuse to reimburse me. They tell me to call again in a few days for an update, but I just get the same answer again and again. My family in XXXX desperately needs this money to survive and I have no more to send. This is my familys lifeline, please help.
Product: Debt collection

I had a lease that i had to break because i was diagnosed with XXXX and had to move for treatment. I sent them a letter but because the letter wasn't certified then they said i couldn't break the lease. They did rent it out after i moved out though and then charged me XXXX to a collection company.. They have refused to send me a letter detailing why it was so high. I've tried to negotiate and resolve the matter to no avail and it is now keeping me from buying a house. Please help.
Product: Credit card

On XX/XX/XXXX of this year, I received an email stating that my replacement debit card was sent to the wrong address. We updated our address months ago with Bank of America. Unfortunately, they forgot to update my debit card address. As a result, they sent my replacement card to the wrong address. When I called the Bank Representative, she told me that they were going to expedite my request, but that I would have to pay a {$15.00} fee to do so. The representative and her supervisor, understood that this was a bank error, yet there is no process to waive the fee even when they made a mistake updating my debit card address.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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

When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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

I had money sitting on cash app and it was stolen multiple times I also got scammed multiple times last year would put in request to get my money back they would tell there was nothing g they could do We have received your request for documentation related to your dispute. 

Please find the attached documentation that Cash App relied on to determine the outcome of your dispute claim in case number : XXXX. 

Were unable to provide any additional support regarding this claim and no further action will be taken. 

Please reach out through your app if you need further assistance from Support, as replies to this email will not receive a response. all this was was happing from XX/XX/year> until now I even changed information cash app would send back Im making false statements Im like Im not even doing anything but they were know help at all
Product: Debt collection

Ability Recovery Services are reporting on my XXXX  account. I have yet to see any validation about this debt. Nothing was mailed to me about this collection. Its only on my XXXX  account. No matter how many times I contact and dispute they still didnt prove that this debt belongs to me.
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.