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

XXXX XXXX Equifax is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1983 XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has nothing. Please help me delete these illegal accounts from my credit reports. Here is a list of those accounts, Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, Amount : {$1200.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, Amount : {$630.00} XXXX XXXX, Amount : {$620.00} XXXX XXXX XXXX XXXX : {$580.00} XXXX XXXX XXXX XXXX : {$240.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for reporting an alleged debt associated with XXXX on my credit report without providing adequate validation. Despite my request, TransUnion has not provided any documentation proving the legitimacy of this alleged debt. 

Details of the Complaint : Disputed Debt : XXXX account as reported by TransUnion. 
Nature of Complaint : Alleged debt reported without proper validation. 
I am formally requesting TransUnion to provide all relevant documentation proving the validity of the alleged debt, including any signed agreements, contracts, or records of communication between XXXX and me.
Product: Vehicle loan or lease

Well first think is this is not the firm I purchased it from. They did not give me a choose. Which made payments harder to make I have Ask for my balance via email and have not received anything period and I disputed it. On 2 different credit beuros. Due to the fact, the balance for the last 2 and a 1/2 years has not changed from {$14000.00}. Well, I'm making payments. Wouldn't you think this now would change?
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I had received a text alert appearing to be from the Wells Fargo app asking if I had made a transfer of {$3500.00} using the XXXX feature via the Wells Fargo app. I replied " NO '' to the text alert and immediately received a phone call displaying the phone number of the Wells Fargo customer service line as featured on the back of my debit card. I spoke with an individual claiming to be a Wells Fargo customer service representative returning a courtesy call regarding the text alert. I informed them that I did not use the XXXX feature, I did not know the individual whose name the funds were sent to, nor did I even have the funds to cover such a transaction. I was then walked through the steps to " reverse '' the transfer and put the money back into my account. He then gave me a claim number and a waiting period that they would contact me. After ending this call and waiting for the supposed call-back for about an hour, I decided to call Wells Fargo customer service and check on the status of the claim and make sure my account was safe. This is then when I found out I was scammed. I was never aware that it was possible for an outside individual to pose as my bank even down to the phone number that shows up and the text alerts, this is what lead me to believe this was a legitimate phone call and ultimately into being scammed. When I called Wells Fargo customer service myself, a claim was filed, and all these details were relayed to them. I was told to give up to 10 business days for this issue to be worked on. I then received a letter on XX/XX/2022, stating the claim investigation was complete and was closed. The funds were never returned to my account. I contacted Wells Fargo immediately and was eventually told that I would not be getting my money back because I was " a victim of scam and authorized the transaction, and they do not cover it ''. I did not have the {$3500.00} amount that was attempted to be taken from me, so only {$1000.00} was taken. That is still not acceptable to me. I feel the bank DOES OWE me my funds. I was not aware that I was being scammed, so how can this be my fault and I lose money that I worked for and was trying to save back. It is not fair treatment of their customers. All they have done in this whole stressful process is make me feel dismissed and XXXX
Product: Consumer Loan

In XXXX XXXX I refinance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I refinanced thru a different Credit Union. I emailed and called to cancellation of my Gap Insurance for a refund. I am still awaiting my cancellation form to cancel for my refund. I cancel my XXXX refinance and Fleet Finance agree to cancel but have yet to send XXXX XXXX XXXX it money back for cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I'm asking XXXX  and EXperian to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on XXXX that still reports BALANCE!!!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my transunion, experian, and equifax credit report. 
XXXX XXXX XXXX, Inquiry XXXX. XXXX. XXXX XXXX VIA DEALER, Inquiry XXXX. XXXX. XXXX XXXX XXXX, Inquiry XXXX. 
XXXX XXXX XXXX, Inquiry XXXX. XXXX XXXX VIA DEALER, Inquiry XXXX. XXXX XXXX XXXXXXXX XXXX, Inquiry XXXX. 
XXXX, XXXX XXXX. XXXX XXXX  XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX FIN XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX par XXXX XXXX XXXX. XXXX. XXXX, XXXX date : XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX 2013
Product: Money transfers

My son sent me some money on XXXX XXXX. I 'm a senior and needed help with the rent and groceries. The deposit showed up in my account but did n't show up in the balance. I ca n't transfer the money to my bank. 
On the same day I received a refund. Again the deposit showed up but nothing in my balance. I do n't have access to the money. ( Filing a separate report ) PayPal claims they have a " glitch '' that started on the XXXX, is still going on today the XXXX and may take another 24 hours to fix, if not more. It is hard to believe that a banking organization ( holding company so they can get around US regulations ) does n't have a backup system, or several. 
Tried calling them and get someone in XXXX who says she ca n't do anything. Her supervisor says he ca n't do anything and he says his boss ca n't do anything. The boss is n't taking calls. 
Domestic or International? Money transfered from on US location to another. However, ALL the customer contact is overseas which makes me think this might be International
Product: Debt collection

XXXX XXXX XXXX are fraudulently reporting on my credit reports claiming that I have a debt with old navy ( synchrony bank ) in the amount of XXXX. This credit card was fraud under my name as I did not open this account After numerous attempts with XXXX, they have not provided me with proof such as my actual signature in opening this such credit card therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report. The credit bureaus say the properly investigated but that cant be possible if accounts have multiple charge offs ( which reset the date of last active ), charged off accounts with past due amounts. Inaccurate reporting is grounds for removal. I have been patience with Equifax for over a year and they have yet to mail me proof of the investigation. this is severely hurting my chance for a financial future with this inaccurate reporting. they even have removed these account then place them right back on without an 5-15 day noctice.

they have also violated my rights under the 15usc 1681 sec 602 A which states i have a right to privacy.

Sec. 604. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
i did not give permission for them to furnish any of this inaccurate infromation.
Product: Debt collection

I am writing to you today regarding the following account with Santander Bank : Account XXXX, opened date : XX/XX/2017, highest balance : {$13000.00}. 

My dispute is because they are reporting so many discrepancies across bureaus, they are being negligent and unfair, and they are also committing breach of contract. They have failed to process online payments. These are serious violations to the California Credit Reporting Act. 

My demand is to get the item off my report. This is affecting my credit, and is also affecting me psychologically. 

I have prepared all the documentation that Santander may need to investigate my case, so it gets easier for them, and they solve this matter as soon as possible. Please send the documents attached to them. 

Thank you.
Product: Consumer Loan

My auto lease is through Wells Fargo Dealership Services. Wells Fargo has a different department for auto insurance and they have added auto insurance when I did n't have insurance. Shortly after I sent a copy of my full insurance to justify that I do indeed have insurance. The company has decided to add an extra {$40.00} throughout the remainder of my contract. This addition took my car notes from {$250.00} to {$280.00}. I have asked if I can get a statement regarding this. They then stated that this added amount will not appear on my statement and/or if they send anything it will not appear as well.These facts have raised my eyebrows so I 'm reaching out for assistance with this matter. 

Thanks in advance, XXXX
Product: Credit reporting or other personal consumer reports

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

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

After reviewing my credit report dated  XXXX / XXXX /   2017  and  XXXX / XXXX  /2017 I n oticed that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX   2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017. T his is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law s ection 37-20-110 . I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX XXXX  in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not clearly provided to me.
Product: Debt collection

I have sent multiple letters asking this company to send verification of debt. If they were unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Its been removed from company because they provide information and now they have re added it back on my report without verification still. This company has recently used my personal information to change the dates on my credit report and added a fake address to my account to continue collecting from me and I was alerted by security they were trying to access my account with this false address XXXX XXXX XXXX XXXX IL XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To whom it may concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The following personal information is incorrect NAME : XXXX XXXX XXXX ALSO KNOWN AS : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, MD XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX The inquiry was not authorized ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX The following account is not mine ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act, I hereby demand that you investigate these items and remove them from my report. I understand that you are required to verify these items with the relevant creditor. Any information that the creditor can not verify should be promptly removed. I am aware that, In accordance with the Fair Credit Reporting Act Convergent Account # 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. 



Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  account to Coinbase Inc at the instructions of the scammers.
Product: Checking or savings account

I am unable to access my account online, preventing me from checking balances and transferring money. When I called the bank, I learned that they are currently facing higher call volumes due to a recent upgrade. Despite leaving my contact information for a callback, I have not received any response. I was not informed about the upgrade beforehand, and the bank has not communicated any issues. Their XXXX account only mentions extended call center hours, without acknowledging the problem.
Product: Vehicle loan or lease

Around XXXX XXXX XXXX i contacted TD Auto finance about an extension due to XXXX XXXX have 2 auto loans with them and i chose to only extend 1 loan. i have received several notices granting me a 60 day extension. 1st letter received dated XXXX XXXX granting the extension. XXXX XXXX received a 30 day letter, i called and was told as there were so many extensions from the hurricane the late letters are automaticlly sent but my extension was approved and my credit would not be affected. On XXXX/XXXX/XXXX i received an email from a XXXX XXXX that TD auto reported a 30 day late payment. I once again called TD on XXXX XXXX and was told the paperwork was not completed on their end and a supervisor would be corrected as soon as possible. Received one more letter dated XXXX XXXX saying they have granted the extension, pretty much same letters I 've already gotten. I have made more phone calls and was given the run around. Called again on XXXX XXXX and was told there were errors on their side and was in supervisors office to be corrected. Received one more letter dated XXXX XXXX stating the same as the other letters, stating amount due {$0.00}, with new loan maturity and payment date, all letters are the same.. I Made a payment via phone on XXXX for {$1500.00} and spoke to a lady and also was told they were working on the paperwork still, and was told they would be giving a credit of {$530.00} as well. On XXXX XXXX i called to follow up and now am told that i was never approved for the extension and am 60 days late that i need to pay the loan right away, this was from a supervisor. I have 3 letters stating TD auto has approved the 60 day extension..
Product: Debt collection

I have never received any notification from Enhanced Recovery regarding a debt. I am unaware of this coming and have not been contacted by this company.
Product: Mortgage

To : LOANCARE our mortgage servicing company. 
Since XXXX XXXX, XXXX you have increase our monthly mortgage payment from {$3600.00} to {$4400.00} by incorrectly calculating our property taxes. I have enclosed all the County contact information and documentation that would be required to correct this matter forthwidth. 
My wife and I have made serveral attempts to contact your Customer service department and have forwarded any information under ( Ticket # XXXXXXXXXXXX ) XXXX/XXXX/XXXX that you would need to correct this matter but yet you have continued to collected escrow monies beyond legal limits of Federal Real Estate Settlement Procedures Act ( RESPA ) We are DUE are refund from our escrow account Under the legal limits of Federal Real Estate Settlement Procedures Act ( RESPA ). 

We are once again are needing to send additional information to your escrow deptment since we are not alllowed to speak to anyone in your escorw department. 
Below here are escrow calculations XXXXX Mortgage COMPANY who you aquired our mortgage Calculated our Escrow monthly payment of {$880.00} based on county property taxes for just the land of 2 annual tax payments of {$1600.00} and 2 annual supplemental property tax payments of {$2000.00} the last supplemental tax was due XXXX XXXX, XXXX in spite of the fact you had excess money in our Escrow account and To avoid a 10 % penalty + {$20.00} fine We have PAID on XXXX XXXX, XXXX our County Property Tax The supplemental tax payments were temporary until the XXXX XXXX tax year after which re-assesment of the land and home combined in a supplemental tax would no longer be required. 

We have in XXXX XXXX forwarded you our new County property tax Statement under ( Ticket #  XXXXXXXXX ) for your escrow department to correct your Escrow calculation errors. You have yet to adjust our monthy automatic checking account withdrawal. 

At the begininning of the tax year we requested that you pay our suppliment property taxes and you reluctantly did make a tax payment of {$2000.00} by XXXX XXXX, XXXX but told us that you would not make the last supplemental tax due XXXX XXXX, XXXX in spite of the fact to had excess money in Escrow account. To avoid a 10 % penalty + {$20.00} fine We have PAID on XXXX XXXX, XXXX our County Property Taxes We have attached our our County Property Tax receipt to show we have Paid our Taxes That you refused to pay. 

Escrow County property tax Calculations {$5100.00} Due XXXX XXXX + {$5100.00} Due XXXX XXXX, XXXX = {$10000.00} / 12 = {$850.00} {$850.00} * 2 = {$1300.00} {$5100.00} + {$1300.00} + XXXX = {$7300.00} maximum allowable escrow balance Current Escrow Account Balance : {$15000.00} If you have any questions about our past or current property taxes you have the information of our county tax collector including phone number and addresses.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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