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

Back in XXXX I purchased a money order from XXXX 's and XXXX Georgia and mailed it to XXXX and my money order never made it so I called Western Union and they told me what to do in order to get a refund so I got a {$15.00} money order and sent in my form for refund from Western Union Western Union then sent me a check that was uncashable after going to XXXX and XXXX XXXX which the check is a XXXX XXXX check but XXXX XXXX said the check is bad so then I called Western Union again and they gave me another check which the second check number is XXXX I went today to both XXXX and XXXX XXXX again and they have indicated that it is a bad check so if I am having this problem I'm sure several people are having this problem and this is a big issue for a company like Western Union to provide bad checks to customers I have been without my money since XXXX because Western Union keeps sending me that checks the check amount is for {$75.00} and that {$75.00} I do not have in my pocket as a XXXX person as a XXXX survivor I can not go pick up medicine because I do not have my {$75.00} to pay for it and that is not okay this needs to be addressed and Western Union needs to have this address I want my money as I should have it
Product: Credit card or prepaid card

This is the most recent letter I have sent to chase. They have rejected my dispute rwice now. I am v=being charged for a mattress that was returned and lost by XXXX. I am being charged for an adjustable base that never left the warehouse. 

I am writing again to dispute a billing error in the amount of $ XXXX my account. The amount is inaccurate becauseI purchased a mattress and adjustable bed. I received the mattress only. I am requesting documented proof from chase that I owe the amount from both the mattress that was returned and lost by XXXX and the adjustable bed that was never shipped to me. 
I was unhappy with the service as I could never get anyone to answer the phone to discuss when the adjustable base would be delivered. I finally spoke with XXXX who advised she would send a XXXX  label to return mattress. I returned mattress on XX/XX/21 tracking # XXXX. I filed a claim with this credit card company and I recently saw a recharge for the mattress and adjustable bed, stating that because XXXX lost the mattress and the company complained they never received it that I am still responsible for the payment of a mattress that was sent back and adjustable bed that never left the warehouse. I called XXXX today and they stated it was XXXX XXXX responsibility to file a claim with them and they would reimburse XXXX. I have reached out to XXXX via email and am awaiting a response. 
XXXX said they could do nothing for me since XXXX paid for return shipping. According to the FTC, I may withhold payment on the disputed amount ( and related charges ) during the investigation. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. I have sent several documents and emails including the tracking number supporting my position. Please investigate this matter further and correct the billing error as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was gathered by an aggregation website, which instructed me to first check the website 's FAQ section and then contact around nine separate websites to have it deleted. I felt ashamed by the fact that I had to seek the removal of my possessions. I discovered unauthorized, fraudulent accounts on my credit record ; I would like these accounts erased and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to secure credit. I am taking all measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything further I can do to have these accounts removed from my report.
Product: Bank account or service

XXXX accounts were opened under my name and social unknowingly. I found out this information on my credit report. Someone used my information in XXXX and XXXX. Using my information to have payday and XXXX transactions via the accounts under PNC and XXXX XXXX. Neither are me. Very upset.
Product: Mortgage

XXXX my mortgage company paid my homeowners insurance on XX/XX/XXXX from my escrow ( more than enough money to cover policy ). On XX/XX/XXXX XXXX bank stopped payment. I had to pay the policy ( {$2700.00} ) today ( XX/XX/XXXX ) out of my checking account while my escrow has more than {$4000.00}. My home was uninsured from XX/XX/XXXX until today.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXXExeter Finance on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXXExeter Finance took cash. The finance charge is suppose to include insurance, but XXXX XXXXExeter Finance made me purchase insurance separately.
Product: Debt collection

On XXXX, I noticed a company ( Revco Solutions Inc ) Put a collections on my account. This company is not legally allowed to collect dept in my state. I knew nothing about the dept and did not receive an opportunity to dispute.
Product: Debt collection

I have been a victim of identity theft. I was contacted by XXXX XXXX for credit card only for online store ( XX/XX/XXXX ). When I started to receive phone calls ( XX/XX/XXXX/XX/XX/XXXX ) I submitted a fraud form to XXXX XXXX and requested dates of purchase and proof of delivery when the debt occurred. I never heard back but recently Portfolio Recovery purchased the debt and began contacting me. I have emailed to Consumer Ombudsman Office of General Counsel Portfolio Recovery Associates , LLC ( " PRA '' ) and sent then information of my identify theft and requested date and proof of delivery of when these debts were incurred. They can not or will not supply me with the dates and delivery proof. I can not fully complete their forms with out proof of residency but I do not know when the dates of theft occurred. Portfolio Recovery will not investigate without the forms being completed. If they can not provide proof of delivery, address of shipment and the date purchase was made for debt how can they expect me to complete their forms to investigate and remove from my credit report.
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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago upon reviewing recent copies of my credit report, I realized that my identity had been compromised and I have become a victim of identity theft. I immediately notified the three major credit bureaus XXXX, Experian, and XXXX. I sent out numerous dispute letters along with supporting documentation. I recently submitted an identity theft report from the Federal Trade Commission which included some of the Fraudulent accounts in question. In addition I attached a copy of my drivers license, social security card, and a utility bill. After noticing fraudulent personal information listed on my report, I submitted and updated personal information request to remove all fraudulent outdated information including incorrect or wrong names, phone numbers, addresses, and etc. I have yet to receive any verification from Experian in regards to my dispute and it has been well beyond the 30 day time frame allotted under the Fair Credit Report. Experian has violated section 605b, 609, and 611 under the Fair Credit Reporting act and should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a lot of charges on existing cards I've had, so I started to look into all of it. My place of business was broken into and everything was stolen. Including my big safe that held all of my families socials, birth certificates, and cards my husband and I had paid off. We did that so we didn't touch them. Long story short I've attached a reply from XXXX  XXXX when I asked to have the account validated as being mine. It Has some other names and address, which I've never lived in XXXX  ever. My point being how are they going to argue the fact and tell me they've sent bills to the address and the phone number proves to be mine. Are these companies able to put things on people 's credit without proving 100 % it's there's? Because my credit is suffering due to these " mistakes ''. It seems to me that they are aloud and able and do it. With a little investigation you can clearly see the name and address are nowhere near close to being mine. Nor have I ever lived in
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and discovered several accounts listed in collections that do not belong to me. To address this issue, I promptly sent a written dispute letter to the consumer reporting agency requesting them to validate the accounts in question. Despite my adherence to the proper dispute process and the Fair Credit Reporting Act ( FCRA ), the consumer reporting agency failed to respond within the 30-day period required by law. 

The presence of these erroneous collection accounts on my credit report has significantly impacted my credit score and has caused undue stress and potential financial harm. As a consumer, I am entitled to accurate information on my credit report and prompt resolution of disputes.
Product: Debt collection

received a collections notice for a debt from a semester that i signed up for but couldn't attend due to XXXX. This was a semester of dissertation, and the university shut down during this time. I believe this constitutes a breach of contract on the University 's side. 

Furthermore, the state has withheld funds from my tax return in support of this claim, so i believe that the amount the debt collector is referencing to be wrong. A total of {$14000.00}.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I do not have an SSN ; I only have an ITIN number. But in your credit report, you're showing an SSN that's not mine. 

Could you make this correction? Thanks
Product: Checking or savings account

my previous compliant # XXXX XXXX XXXX called me over a week, because we have time zone conflicts, I tell her email me instead. 
Finally I have to call her and get hold with her yesterday when I take time off work early. She told me she already replied your department, but when I checked today it still show open. 

The email I send to her yesterday and try to copy your office as follow : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX XXXX, I spoke to you today and here 's the statements I copy from XX/XX/XXXX, which proof I have POA since XXXX and XXXX 's accounts open at Bank of America more than 15 years, it never has to get POA appear at statements. 

Your bank mail us statements last month start separating the checking and savings. Instead each month I should get one set statement for each son, I have 4 statements in separate envelops. 

I simply request the following two : Did not want POA show at statement. 
Have savings and checking statement combined each month. 

Please let me know if it can or not? If you can not fulfill my requests, please give me reason why? Any bank regulation states that POA must appear at banking statement as account title? 

Waiting for your reply either by mail or email, do not call because we have time zone conflict.
Product: Debt collection

Nationwide recovery came to an agreement of {$420.00} per month to pay off partial debt on an original debt of $ XXXXafter submitting all my payments every month for 4 months they put a derogatory discharge on my credit for the remainder part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that XXXX XXXX XXXX, XXXX report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Reference # XXXX Current Credit : XXXX XXXX XXXX XXXX XXXX Current creditors account # : XXXX Original Creditor : Money Key Original acct # : XXXX Current account balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me.This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX
Product: Payday loan

They had me pay XXXX installment to assure I would pay them, but and then I would get the Loan plus get my XXXX reemburst but I never did
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the account listed below which are reporting inaccurately due to incorrect credit information, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the account as it is incorrect credit report entries & was opened without my consent or knowledge : XXXX XXXX* Balance : {$0.00}. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account that bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting or other personal consumer reports

Based on the details in this report, the following potential FCRA violations can be identified : XXXX. Inaccurate Information ( FCRA Section 623 ) Balance Updated Date : Listed as XX/XX/XXXX, XXXX future date. Reporting any information with dates that have not yet occurred constitutes inaccurate and unverifiable reporting. 
Account Charged Off but Still Past Due : The account is marked charged off with a past due amount of {$6300.00}. Once an account is charged off, creditors generally should not continue reporting it as past due. This creates an inaccurate impression of the status of the debt. 

XXXX. Failure to Ensure Accurate Reporting During a Dispute ( FCRA Section 611 ) The comments section indicates the account is disputed by the consumer. Under the FCRA, once an account is disputed : The information must be marked as disputed and reinvestigated within XXXX  days. 
If the information can not be verified, it must be corrected or deleted. 
If this dispute has not been resolved or was improperly verified, this could constitute a violation. 

XXXX. Potential Re-aging of Debt The account was opened on XX/XX/XXXX, but shows a future balance update in XX/XX/XXXX. 
If this future balance update falsely extends the reporting period, this could be re-aging of debt, which is a violation of the FCRA. Charged-off accounts should be reported for no more than XXXX years from the date of the first delinquency. 

XXXX. Misleading or Inconsistent Reporting The Paid Off field is listed as 16 %, yet the account is charged off and the full balance of {$6300.00} remains due. This inconsistency creates confusing and potentially misleading information for credit reporting, which violates the FCRA requirement for clarity and accuracy.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found again that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Recently XXXX XXXX has been granted our personal student loans information regarding XXXX recipients including myself. I wanted to personally file a complaint because this not only violates my personal data bylaws, but also deeply concerns me because it is not something that should be shared with them to begin with. This needs to be stopped and swift action must be taken in order to discontinue the illegal use of our personal student loan information. If we must sue in order for our demands be met then we will do so accordingly.
Product: Credit card

I had a promotion on my Synchrony Discount Tire card for 0 % until XX/XX/2023. I forgot to pay the remaining balance before the accumulated interest went on my balance. I called on XX/XX/2023 to ask if there was any way to remove the accumulated interest. They replied by telling me there was a 30-day grace period but since we are 2 days past the 30 days, there was nothing they could do. The XXXX was a federal holiday. the XXXX was a Sunday. Banks are usually closed during weekends and holidays. NOWHERE on the bill did it say when they were open/ closed or what times they were open/ closed. 

This was all, of course, my error. But to include a holiday weekend in the grace period, is pretty scammy for a bank. 

I've had a handful of store credit cards under synchrony and EVERY SINGLE TIME, i close the account as soon as my balance is paid off. not because I don't use those stores, but because Synchrony has ALWAYS given me trouble. there site won't let me log in half the time. their customer service reps BARELY speak XXXX... it so hard to understand what they say. And they have pretty sketchy " fees '' ; now this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$7400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX