23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I received a notification fromMRS BPO LLC asking which of 3 options listed would I like to statuary my debt to XXXX XXXX XXXX. This is a debt I have disputed in the past due to the high amount however XXXX could only tell me it was sold to a collections company and they would be in contact. This is the first I have heard from this company and the collection is not on any of my 3 credit reports. I called the agency and asked for validation of debt. After asking several times if I would go ahead and just make a small payment today, the agent finally agreed and said she would follow up in 10 days. I relayed to her my concern was regarding the amount of the debt and I didnt agree with the total. 
I received the packet from MRS. For starters, the information on the cover letter is very limited and besides my name and address it is incorrect. The information listed os for a PPL account with account number and balance of {$220.00}. Moving past the cover letter the documents are for the XXXX loan, however it does not contain a transaction detail listing showing my payment history. There was a copy of my original 9 page lease, a copy of the letter on how to purchase the car before auction and a post auction bill. No record of any sort regarding payments made to the account. 
One page lists the repossession at {$750.00} then another lists it at over {$1600.00}. Then there are all these misc fees however when reading through the lease, the only fees mentioned are late payment and based on my monthly payment amount, that would be {$19.00}. So I dont understand misc fees in excess of {$2400.00} on the final statement. And again where are the deductions for payments made? I know a minimum of 23 months of payments were made and that is from my XXXX report page payment history on this entry. 
Since this company is not on my credit report I submitted a dispute against XXXX regarding the amount. They didnt address the discrepancy regarding amount owed and amount paid either. They concluded with if you have any further questions please call customer service at... Which I did the next day. Just to be told what I was told earlier this account has been charged off and sold to a collections agency we have no information on this account I called MRS at XXXXXXXX XXXX  ( their advertised hours of operation are ( Monday - Friday XXXX ). And the recording asked me to hang up and call back during normal business hours. 
I have tried to get this situation resolved before the repossession and lack of communication and inability to explain the misinformation has made it a nightmare. In addition, this was a voluntary repo. After missing 1 appointment I had to call and reschedule to meet the representative and hand over the keys. I thought certain fees were subtracted for a voluntary repo.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX 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: Debt collection

on XX/XX/XXXX I went to XXXX XXXX XXXX for XXXX work. I paid a total of {$520.00}. The remaining balance of {$150.00} was sent to insurance and closed on XX/XX/XXXX. The updated ledger shows XXXX adjustments crediting {$43.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX with the description " XXXX XXXX XXXX ATTACHED '' due to a clerical error on the part of XXXX XXXX. 

The balance on the account is {$0.00} after this adjustment. 

Debt Collector TRANSWORLD SYSTEMS INC has been notified and provided the ledger showing {$0.00} balance from XXXX XXXX. 

TRANSWORLD SYSTEMS INC has responded " The amount on the enclosed bill is XXXX because your account has been charged off as a delinquent account. This does not mean that you have a XXXX balance. The balance due on your account can be found in the Adjustments/Transfer to Collections/Bad Debt column '' However, the ledger clearly is marked as " XXXX XXXX XXXX ATTACHED '' after the insurance payment was processed. 

TRANSWORLD SYSTEMS INC is refusing to stop the collection in the amount of {$170.00} which keeps increasing due to accrued interest.
Product: Money transfers

I sent a friend {$100.00} via Western Union. On two occasions the recipient has attempted to pick up the money and on both occasions has been denied payment. I called Western Union customer service where I was told by the person I spoke to and then that person 's supervisor that Western Union has no control over it 's agents and whether or not they pay recipients. When I tried to cancel the transaction Western Union 's customer service refused without reason they simply said that they are not authorized to cancel a transaction which I do not believe. First their agents do n't have to pay funds contracted by Western Union to pay and then Western Union will do nothing to remedy the problem, and their agents rather than the intended recipient end up with the money? There has to be consumer fraud going on and being perpetrated by Western Union in my opinion.
Product: Credit card or prepaid card

I have  a Macy 's store  credit card provided by Citibank. I used the card i  n  XXXX  2016, a  nd paid off the balance in full. Several months later, I received an email that a statement was available online. When I checked the statement, I saw that I had {$6.00} in " minimum interest '' charged on an account with  XXXX  balance. I was also informed that my account was several months past-due for this interest charge. I figured this was my mistake, so I paid the {$6.00}. Last week, I checked my account again and found there was an additional {$2.00} in " minimum interest '' charges. I know it 's a small amount of money, but it 's ridiculous that I am being charged interest on a card that I have not carried a balance on in almost a year. I have closed my account with them, but did not pay the {$2.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a matter that requires urgent attention and resolution. On XX/XX/XXXX, an investigation was initiated within the XXXXXXXX XXXX XXXX, during which my personal information was accessed from credit bureaus without obtaining my written consent or any form of authorization. This occurrence is deeply concerning and raises serious privacy and legal issues. 

Under the framework of the Fair Credit Reporting Act ( 15 USC 1681 ), it is unequivocally stated in section 602 ( a ) that consumer reporting agencies must conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. I firmly believe that XXXX, XXXX, and Experian, as consumer reporting agencies, are bound by this principle. As the consumer, I hold the right to safeguard my private information, as further reinforced by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and confidentiality.

It is crucial to highlight that, as defined by the statute, a " Furnisher of information to credit agencies '' falls within the ambit of a financial institution. According to 15 USC 1681, section 604 ( a ) ( 2 ), a consumer report can be provided only with the explicit written instructions of the consumer to whom it pertains. I would like to emphasize that neither XXXX, Experian, nor XXXX has procured my consent to disseminate this information, whether through verbal, non-verbal, written, implied, or any other means. Thus, I hereby revoke any and all consent that may have existed, thereby withdrawing any authorization they might have presumed to have.

Furthermore, 15 USC 6802 ( b ) ( c ) explicitly states that Credit Bureaus are prohibited from disclosing nonpublic personal information to any nonaffiliated third party unless the consumer has been informed of their right to restrict such disclosures. Regrettably, I was completely unaware of this investigation until after its conclusion, which directly contradicts both the policy and intent of the Privacy Act of 1974.

I appreciate your immediate attention to this matter and your commitment to resolving this issue in a fair and just manner.
Product: Mortgage

I missed a mortgage payment back in XXXX of XXXX. I was checking my credit and saw I had one 30 day late payment, but when I checked my account on their site it didnt show that it was late. I called to see if it was showing up on their end, but the guy ( His name was XXXX or XXXX XXXX said he didnt see anything and would look into it and call me back. He never did. I called a few times and left a couple of voicemails, but he never called back. The system they use is also really outdated and you cant just make a one time payment online since it was set up for recurring payments. About 7 months later I checked my credit again and it showed that I had 7, 30 day late payments. I called again and he told us which payment was late and I paid it. He said we could dispute the late payments since we tried contacting them months earlier to get it resolved which I tried to do, but didnt hear anything back. 

I hadnt disputed the late payments yet with the credit bureaus, but I checked my credit again because my wife and I wanted to buy a car and needed to dispute the late payments and get my credit back up. At this time it was XX/XX/XXXX and even though I made the payment beck in XXXX of XXXX, it was still showing up as late. I then contacted XXXX XXXX via email about it all and he didnt have record of me making the extra payment. I had to send him a statement showing I paid an extra payment on the mortgage in XXXX. He said he sent it to XXXX XXXX to get the 6 to 7 months of late payments taken off but that hasnt even happened yet and its XX/XX/XXXX. You can see how their system is very outdated. They couldnt even see on their end that I missed a payment all the way back in XX/XX/XXXX and that when I made the payment in XXXX of XXXX it didnt even show that I made the payment.
Product: Debt collection

My previous complaint ID is XXXX I previously filed a complaint about National Credit Systems in XX/XX/XXXX. I was never sent any kind of communication about the debt they claim I owed until I filed a complaint with you guys. This company took from XX/XX/XXXX of XXXX to validate a debt. They stated the debt I owed was for {$120.00}, but they have the debt listed on my credit for more than {$3000.00}. After my complaint was closed out they sent a letter ( this is the first correspondence I've ever received from them ) stating that I owed {$3400.00}. That letter is attached below. I already mailed the money order for {$120.00} to Attorney XXXX XXXX. As I mentioned in my previous claim Attorney XXXX XXXX was the name and contact information I was given when I first called them in XXXX of XXXX. I'm not sure how one company can be listed on your credit but the payments go to a totally different company. 

After receiving the letter and realizing that I wasn't going to get help from the CFPB or the FTC ( their website sends me back to the CFPB ) I decided to try to call them and settle the debt and have it removed. I was told by the CFPB when I called yesterday that the company can not misrepresent the debt. I'm not sure whats going on with this company. The lady I spoke to with National Credit Systems advised me to call XXXX XXXX, when I told her that it was violation of my rights to misrepresent this debt she transferred me to a manager 's voicemail. I am not sure what needs to be done to get this corrected. I do not want to be scammed. Please help me!
Product: Debt collection

THIS DEBT WAS PAID IN FULL IN THE AMOUNT OF {$2500.00}, BUT THIS IS STILL SHOWING ON MY CREDIT REPORT CAUSING GREAT HARM TO MY CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted

under 15 U.S.C. 1681n and 1681o. This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Dave likes to change your repayment dates and then says I chose that! I get paid every two weeks and if I take a loan it is to come out of my account on my paydate not any other. They did this to me before and then debited my account in partial pymts which caused overdraft on ALL of the payments and now they are going to do it again. This is twice now they are not only pulling money earlier because they deceptively change my due date but will cause multiple overdraft 's in my account. This has to stop! They have an automated system that is absolutely NO HELP
Product: Credit reporting or other personal consumer reports

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this 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.

15 USC 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 XXXX  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: Credit card

Applying for care credit through Synchrony bank. 

They indicated by phone that I only needed to unlock XXXX of XXXX credit bureaus which i did before applying. I unlocked XXXX. They then said that it was denied. The letters indicate it was denied because my credit was locked with XXXX XXXX and XXXX- they said only XXXX was required but it appears their process requires all three.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting of hard inquiries on my consumer report. My consumer report currently shows three hard inquiries from Navy Federal Bank, which I did not authorize.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2017 Lost access to my email account due to laptop being stolen with the passwords, and not being able to reset the password with email provider I cant access my account on Coinbase which I had XXXX pounds stored in the GBP wallet. I have made another Coinbase account with same email, passport, phone number and contacted Coinbase they have been  looking into it however it has been over a month and still no reply or update, they keep telling me that the specialists are looking into it and that they cant tell me exact date when I will receive my funds back. 

Website : Coinbase.com Funds stuck in the account : 1200+ Cant get any access to the account Serveral emails sent but no help when the funds can be realeased.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I requested that transunion, XXXX and XXXX correct the erroneous demographics on my credit report, namely wrong address and names. I received an email that this information had been removed but upon checking, today XXXX the information still stands uncorrected as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses and names ha e no connection to me and need to be removed according to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a identity theft report due to multiple credit inquires on my credit report. Somebody has been trying to get credit under my name. I already have multiple cards under my name from years that i have been using. most of my cards are paid off with no balance so i dont see any reason for me to apply for more credit cards. I just received a copy of my report from XXXX and equifax after i filed a complaint against XXXX for reporting wrongful information on my report and i noticed all these inquires. not authorized inquires in last 3 months are XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and noticed several inaccuracies reporting on my credit report. These negative remarks are detrimental to my life and credit health.
Product: Credit reporting

I have been disputing stuff on Experian credit report agency for almost a year. They They do n't respond in the timely manner. Disputes takes over 30days should remove from Experian credit report. At least that 's what the law indicates. I would like to escalate this problem on a bigger issue. report this agency. 
Please help me in this matter as this is getting very annoying. My family is looking to buy a house and this is a burden on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, XXXX XXXX  XXXX, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).
Product: Credit card or prepaid card

American Express Pre-Approved our XXXX  thru XXXX XXXX XXXX account ; reason for denial is mind-boggling. 

Always same questions??? Why is it only XXXX XXXX XXXX XXXX XXXX always bite the dust??? 

Regardless of our qualifications, credit scores or meeting credit requirements criteria.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email from Skrill advertising their XXXX XXXX promotion for 10 % cash back " when you spend at least {$50.00} on Qualifying Transactions made when using your physical or virtual Skrill Visa Prepaid Card '' from XX/XX/XXXX to XX/XX/XXXX, with a maximum of {$50.00} back. It was stated in all three emails that the offer was " valid for the first XXXX customers. '' I made a purchase at XXXX on XX/XX/XXXX with my card in the amount of {$500.00}. On XX/XX/XXXX and XX/XX/XXXX, I received two more promotional emails advertising this same offer, indicating to me that it was still ongoing and that I had qualified. According to the terms of the offer, it should have been issued to participants by XX/XX/XXXX, or else XX/XX/XXXX at the latest. I hadn't received it by XX/XX/XXXX, so on XX/XX/XXXX I opened a case with Skrill asking about the promotion. On XX/XX/XXXX they hadn't replied, so I updated the ticket. On XX/XX/XXXX I received a reply saying my account had not qualified for the promotion, and requesting a copy of the emails. The response requested that the emails be sent within 48 hours, else the ticket would be closed. I responded on XX/XX/XXXX, and on XX/XX/XXXX the request was denied and the ticket was closed. 

The grievance I have is not with this type of promotion ; while it is unbalanced toward the consumer, it is within the rights of the company to set those types of limits on their promotions. However, I believe it is deceptive to continue to market that promotion - and directly solicit participation from users - past the point they have any intention of fulfilling it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX  Equifax XXXX  I did told them I did not authorize all the inquiries on my credit report I did send them my 3 police report already i said to them I am a victim of identity theft they do not care and they will not help me I tried to call them around 30 times already but no answer