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

I have transferred {$8000.00} to my other bank account in XXXX on XX/XX/XXXX. According to bank of America 's online transfer receipt, the money will be available on XX/XX/XXXX. It is 10 days after my transfer, and the money is still not available at my XXXX bank account. The associate banker at bank of America did try to help me, but they just provide various numbers for me to call. I still didn't receive the transfer at my other bank. I begin to doubt if the transfer is successful as bank of America claimed.
Product: Debt collection

I received a text message today from the number XXXX stating : " Harris & Harris XXXX , Harris & Harris is a debt collector for XXXX  XXXX. You may now receive texts. View Terms XXXX. To view your account and pay, please click this link : or call us at : XXXX Reply HELP for help. 

Reply STOP to cancel, msg & data rates may apply ''
Product: Credit reporting, credit repair services, or other personal consumer reports

These Fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX
Product: Debt collection

Good evening to whom ever this may concern. 

On XX/XX/2018, roughly around XXXX XXXX, a tow truck came to my residents in the middle of the night to pickup my vehicle do to nonpayment on the vehicle. The next following day XX/XX/2018, I called XXXX XXXX XXXX XXXX in regards to my vehicle being repossessed. XXXX XXXX XXXX was the towing company that had took possession of my vehicle. Speaking with a XXXX XXXX XXXX representative that same day XX/XX/2018, I was informed in order for me to reclaim my vehicle into my possession, I had to pay the full amount in full {$2000.00}. Which that included the original monthly payments for the months of XXXX, XXXX, XXXX, and XXXX in the amount of {$300.00}, late fees {$100.00}, miscellaneous fees {$120.00}, and a repossession of fee of {$600.00}. A letter was supposed to be sent to the address that was filed with my XXXX account, stating " I had 10 days from the date they would send the letter out to have my vehicle reinstated back to me. '' A date was never mentioned over the phone of when the letter would be sent out. Also, I never received a letter in the mail from XXXX XXXX XXXX from the date I called them. XX/XX/2018, I went to the company that towed vehicle ( XXXX XXXX XXXX ) to repossess my personal belongings that were in the vehicle at that time. Signed my paperwork and let the company itself do as they wished with the vehicle. Fast forwarding to present time I received a letter in the mail XX/XX/2018, from a debt collection company ( XXXX XXXX XXXX ). XX/XX/2018 around XXXX XXXX XXXX I called a representative to discuss about the letter I received in the mail in regards to my XXXX account. Everything was discussed over the phone was being recorded and to collect a debt. Never once I signed any documentation for XXXX XXXX to collect a debt from me, and for me to continue to pay XXXX XXXX XXXX XXXX of the remaining balance on the vehicle of {$10000.00}. With little knowledge and not being fully inform of the situation that is occurring at this present time. I gave the debt collector representative my account number and routing number, and agreed for them to take {$75.00} out of my account the XXXX and XXXX of every month. XX/XX/XXXX, will be the first payment that will be taken out my account ( {$75.00} ), XX/XX/XXXX {$75.00}, and so forth and so forth for the first 12 months of {$75.00} on the XXXX and XXXX of every month. XX/XX/2018, my credit report shows that my XXXX account is closed. Numerous I have been harassed by XXXX in the past calling me more than once in a DAY about my account! Spoke with a representative and told someone when I could pay them, and how much I could give them as a payment at the time. Documentation was never implemented into the computer when I spoke with someone over the phone, because I kept receiving a call from XXXX, and I had to constantly explain myself to a new representative the same situation I told the first representative! Please, and hopefully someone I can speak with about my situation soon as possible! Thank You!
Product: Vehicle loan or lease

amont XXXX, they told me they are no longer reporting to my credit do to the fact the company has sold the debt. ask to be removed from credit because i did not get a 1099-c and nobody is willing to provide me with anything or know information ask can i payment to remove the late payment remark, they state giving they fact the company is not longer reporting the debt
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of debt bondage and would like for all of the listed accounts to be blocked and deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters regarding validation of negative information my credit report. 

XXXX XX/XX/XXXX Dismissed BankruptcyChapterXXXX XXXX XX/XX/XXXX Dismissed BankruptcyChapterXXXX XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX XXXX XXXX XXXX I ask to get verification of the items however after 3 attempts transunion has failed to respond to my additional request for documentation and wrote me a letter and told me they will not reinvestigate although I ask for validity of the information that was being listed because i share the same name as my father who lived with me in the past and I have also been a victim of identity theft in past
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Fraudulent Accounts : ACCOUNT XXXX  XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : $ {$3800.00} Fraudulent Inquiries : Inquiry Name : XXXX. 
Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts displaying on my consumer reports that are a violation to my rights as federally protected consumer. I demand these accounts removed from my consumer reports immediately. I sent the on XX/XX/2021 and I have not heard back from XXXX, Equifax, or XXXX. Pursant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a Consumer Report.
Product: Credit reporting or other personal consumer reports

Please be advised, I have been a victim of idenety theft. The have never done business with or entered into a written agreement with ANY OF THESE COMPAINES. 

RECIEVABLE RECOVERY {$1900.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX {$560.00} PLEASE ATTACHED FTC REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I called XXXX  demanding inquiries that are inaccurate on my credit report. An agent told me that I could not remove them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 provided an account number and name of account to someone to revive funds. They went to get them and they were never deposited I called MoneyGram and they told me there was a mistake made on one of the numbers. They filed a report and said they would get back to me. They did not. I called and emailed 6 times or more and each time the person said they had no access of the account number it was suppose to go to. I emailed proof of the transaction yesterday because I received an email denying my claim. What they sent me has no numbers for me to see if it was done correctly. They blacked them out. That doesn't do anything for me. Just hides their obvious error and they stole from me!
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.
Product: Mortgage

i own a condo in a community and the lender wants proof of hazard insurance every year and I provide this. 

This year I sent proof ( 5 times ) on : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called Shell Point after each email and they have insured me that the proof was received and I requested proof by mail, which I never receive. 

I've worked with XXXX ' and sent the proof directly to her email adddress and she confirmed no issue, making that 5 emails. 

However, I continue to receive assessment emails and the last email on XX/XX/XXXX stated that they were adding this charge to my impound account. 

This exact scenario happened 3 years ago and the tried to put a lean on my home. Luckily, I save all my statements and the charges were not on my statements, so they could not charge me, I only know this because I worked for XXXX. 

this is a scam and shellpoint is cheating consumers XXXX
Product: Debt collection

I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. XXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX XXXX  customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.
Product: Debt collection

On XX/XX/26 I sent certified mail to the all the CRA 's in regards to the incorrect information being reported and that it should be deleted. I have yet to see it removed. It is illegal to report any inaccurate information : 15 USC 1681b. There is more information that I need dto file a compliant on but this is just the beginning. I have tried to rectify this myself however it has not got me anywhere but in circles! 

Also in addition to that : 15 USC 1692a this is a debt collector. They DO NOT have my consent to report ANY of this!!!
Product: Debt collection

XXXX XXXX XXXX has failed to provide me validation of the debt they are falsely reporting on my credit report I sent a certified letter XX/XX/year> never heard any thing back I contacted them directly they were so disrespectful rude verbally abusive and dismissive they didn't allow me to discuss the debt and told me it was being transferred to law firm
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked Experian to show me how they validated this debt on my report, and they failed to do so 2 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. M y credit score w as wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   XXXX   XXXX  .
Product: Debt collection

This company has refused to provide a copy of the purchase agreement, bill of same and the chain of assignment for the debt. A certified letter was sent to them in XXXX of 2023, the company chose to not respond and furnish unverified information to my consumer report.
Product: Mortgage

XXXX of 2014 was approached by the loan officer of chase bank in XXXX nj, to apply for a loan, 3 years earlier i had a bankruptcy so i told him about and made it clear that i do n't want to go forward unless i guaranteed approval, he asked for all paper work check credit and all procedures then he emailed me an approval ... he told me to shop for house with confident..few weeks later found house, put deposit, hire attorney all normal procedures including home inspection ..few weeks later he informed that they i 'm having problems getting the mortgage because same reason that he approved me for and assure me that i 'm approved ... i have all emails that prove that i was mislead beside all the time wasted i lost inspection money, lawyers fees due to their mistake ..again i have all documents in record including the approval and his assurance that everything is good ... i do n't think that its fair to lose all this money while i have n't done anything wrong other than trusting chase loan office?
Product: Debt collection

I recieved multiple calls from a Commonwealth Financial Systems , Inc. before XXXX and after XXXX  CT on multiple occasions as well repeated calls to relatives from XXXX, XXXX, XXXX XXXX, XXXX XXXX. These appear to be from Commonwealth Financial Systems , Inc .
Product: Payday loan, title loan, or personal loan

I borrowed {$500.00} line of credit from check into cash ' company .I was told that my loan amount was {$500.00} and my payments would be around {$140.00} a month .I WAS NOT told that that it would be 29 payments, that was never spoke about.i paid my payments on time and have paid over {$1000.00} on it. 
On Friday XXXX XXXX I had didn't pay my payment because I have already paid so much on it and they drafted money from my bank account where my SSI XXXX wages are deposited without a court order, I ask them to return it because it was my grocery money for the month and she refused, she had a lady call me from another branch and I told her also that I was never told that I would have to pay back over {$3000.00} on {$500.00} or I would have never borrowed it, I stated that noone never told me it would be 24 payments and she said it's 29 payments Drafted from.my.ssi wages without a court order
Product: Debt collection

received a bill from " XXXX XXXX '' dated XX/XX/2018 said I have an amount due {$660.00} to " XXXX XXXX XXXX '' which I'm sure I don't. 
I sent an email to XXXX XXXX XXXX but haven't received a reply from them yet.
Product: Credit card or prepaid card

I am a victim of identity thief and that should have never came by verified. I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT CLOSED ACCOUNTS. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT..

Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus. XX/XX/XXXX Equifax and XXXX XXXX. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.
Product: Debt collection

Please see the dates in the attachments where I have been trying to work with the merchant and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess. They have been unresponsive and claim to send letters out for me to respond to, and I have not received them, they keep denying my claim even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report and police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am an Authorized User for this account. I have been paying faithfully while the primary can not. She is filing bankruptcy soon. She will include the card/ account that sears refuses to update ( refused : please request or see supporting evidence ). 
No late pays and good standing but I am not going to pay on this account by myself anymore as the Authorized User. 

Compounding the problem is the fact I can not get service for this account. Unfortunately XXXX representatives will not discuss one word of this account with me for address errors or ANYTHING. That is not drama its a fact. 

I have legal rights as an Authorized User to remove myself from this account. It is my responsibility. I do not have access or a card active. So I believe its clear. 

Please request the company SEARS have its bank remove me as an obligated borrower. The letter from SEARS to me after they denied my request says it all. 

" We are unable to update the credit report as requested. To remove authorized users from the credit reporting, the authorized user must be removed from the account. '' Please ask for a copy. Bad grammar is part of the letter not me. 

SEARS MASTERCARD Card No : XXXX Thanks profusely Respectfully XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from CITI that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CITI is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

CITI BANK CARD PARTIAL ACCOUNT XXXXXXXX XXXX XXXX {$10000.00} ON MY CREDIT REPORT # XXXX FOR XX/XX/2025, AND CITI BANK CARD PARTIAL ACCOUNT XXXX FOR U {$200.00} ON MY CREDIT REPORT # XXXX FOR XX/XX/2025, I DID CALL THEM AT XXXXXXXX XXXX ON XX/XX/2025 AND CUSTOMER SERVICE AGENT NAMED XXXX ID # XXXX DID CONFIRM ME OVER THE PHONE THAT I DO NOT HAVE ANY ACCOUNT WITH CITI BANK, THIS IS NOT WHAT IS SAYING IN MY CREDIT REPORT AS XXXX SAID. PLEASE TAKE ACTION AND REMOVE THIS ACCOUNTS FROM MY CREDIT REPORT. I'VE BEEN VICTIM OF ID DEFT APARENTLY. UNDER FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.