23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company is trying to collect a debt thats been added to my credit history more then once and Ive informed them I want that fixed before paying the only one instance of debt I owe, they call a few times a week. They called two days in a row XXXX and XXXX to give a example of the frequent calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX ACC XXXX - acc 2 XXXX acc 3 XXXX after reviewing your so called Investigation on XX/XX/2019 you claimed that you had verified and updated these account listed above But I noticed the status update didn't update?? How is this Possible?? please tell me NOW?? The FCRA REQUIRES YOU TO CONDUCT A PROPER INVESTIGATION SINCE THE STATUS UPDATE DIDN'T CHANGE THIS IS FACTUAL PROOF THAT YOUR OFFICE DIDN'T CONDUCT A PROPER INVESTIGATION! if YOU WOULD HAVE DID YOUR JOB AND FOLLOW THE LAW THE LAW THE STATUS UPDATE WOULD HAVE AUTOMATICALLY UPDATE WHEN XXXX RESPONDED BACK TO YOUR SO CALLED DISPUTE BUT THEIR WAS NO DISPUTE AS I CAN SEE DUE TO THE STATUS UPDATE THIS US A VIOLATION OF THE FCRA SO YOU KNOW I ATTACHED A COPY OF A XXXX  CREDIT REPORT IN FILE THAT WAS FINISHED JUST 3 DAYS SHY OF YOUR SO CALLED INVESTIGATION LOOK AT THEIR STATUS UPDATE AND ALSO THEIR HIGH BALANCE AND BLANCE YOURS IS NO WHERE CLOSE TO THEIRS This means you failed to investigate Not only the status update date is wrong also the balance and High balance and see the Top of your credit file dated XX/XX/2019 You should be a XXXX ashamed of doing this I'm serious this is the law and you must follow it. I will tell you this much if you DO NOT DELETE THESE 3 XXXX ACCOUNTS ASAP I WILL FILE I LAWSUIT. THIS IS UNREAL ... AGAIN IF THESE ACCOUNTS ARE NOT DELETE ASAP I WILL FILE LAWSUIT IF YOU DON'T BELIEVE ME TRY ME AND WATCH AND SEE WHAT HAPPENS
Product: Checking or savings account

On XX/XX/2023 BMO closed my account due to them not being able to verify my address.It caused me pain and suffering.Its causing me issues with me being able to open up additional accounts.They frozed my account and also disbursed me what was left over but took 3 months.They had no reason to close my accounts.
Product: Credit card

I purchased a XXXX at a XXXX and signed up for the Best Buy Citi credit card. I was told that there was protection on the laptop, but when the laptop stopped working days later, Best Buy refused to honor the warranty and disposed of the computer. When I contacted Citi and explained the issue of the store not honoring their agreement and disposing of the computer, ultimately asking for Citi to issue a chargeback. Citi sided with the merchant ( Best Buy ) even after I provided them with an explanation and evidence of what had occurred. I later learned that the Citi representatives I spoke with during my dispute actually work for a call center devoted exclusively to supporting this Best Buy credit card. I feel that Citi sided with the merchant in this case because of their partnership with Best Buy, which I feel is unfair to consumers and creates a conflict of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting alot of unauthorized inquiries on my reports so I placed a fraud alert and froze my reports but I kept Equifax open because I wanted to open a XXXX XXXX account, since then I have gotten inquiries from XXXX, 2 inquiries from XXXX and when I disputed it with equifax they did nothing and when I called XXXX XXXX they did nothing either!
Product: Checking or savings account

To Whom It May Concern, I am currently dealing with a dispute situation with a company regarding some charges that have been questioned. These charges are very similar to ones that were proven to be fraudulent by another financial institution, and I have already provided the necessary documentation to support my case. My phone was stolen during an XXXX ride, and as a result, someone gained access to all my banking information and made unauthorized transactions totaling thousands of dollars. 
I am reaching out to request your assistance in resolving this issue promptly, as it is a matter of great importance to me. I am facing the possibility of being evicted due to the substantial amount of money involved. 
Provisional credits have already been issued in one of the cases, but l urge you to consider extending these credits to cover all the disputed charges. My direct deposit is linked to this account, and significant sums of money are regularly deposited into it. I kindly ask for your urgent attention to this matter, as I was assured that provisional credits would be provided by the XXXX, only to be informed of a different decision on the XXXX. I am hesitant to make any further deposits into this account until this issue is resolved satisfactorily. 
Your prompt assistance in this matter would be greatly appreciated. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I was transferred from XXXX account to Citi bank {$450.00} on XX/XX/XXXX, but the name used on XXXX is nickname, the bank said the money is not belonging to me, but XXXX verified my transaction to this bank. I tried many times to fraud department, they wont give me the money, unless I can provide my nickname is show on my ID
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a message from XXXX XXXX inquiring about tires and rims I was selling on XXXX XXXX XXXX for {$600.00}. He inquired about whether I used XXXX for payment. I told him that I did. Then I received a notice from what I thought was XXXX stating that the person that was sending the funds were using a business account and because my account was a personal account needed to be updated to a business account. It stated that the pending payment of XXXX XXXXXXXX. We should be crediting your account now, but funds coming from a business account are pending until the following steps is applied so it cant be credited. We need you to contact the buyer to send in the amount of XXXX XXXXXXXX to your XXXX account so that your XXXX account can be changed to a business account and be credited immediately with $ XXXXThen XXXX XXXX stated that he send the {$300.00} and I had to guarantee him that I would send the {$300.00} fee back to him. Which I did. I was unaware that I was being scammed. I sent the money back from my account on XX/XX/2023, but had a feeling after all the back and forth from XXXX XXXX. I contacted my bank about this being a possible scam.On XX/XX/2023, I received a letter from USAA stating that there was no error. Also that based on XXXX terms of service agreement or payments for goods, or services. They declined to return the money and that should try to make the effort to retrieve my money from the buyer. I tried to contact the buyer via XXXX making a request for return of funds only to find out that the recipient isnt eligible to use XXXX any longer and to contact the recipient to verify the information is correct. I know that the information is correct as they used the same information to send my money to recipient. At this point I am not sure how to proceed and {$300.00} is a lot of money for me to lose due to this type of scam that seem to spoof XXXX information.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRY __________________________________________________________________ XX/XX/2017 - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM EQUIFAX AND XXXX   XXXX XX/XX/2017 - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM EQUIFAX
Product: Credit reporting or other personal consumer reports

I have been dealing with this with Transunion and XXXX for years. Today marks over 6 years since I paid the loan off completely. Yet still dealing with XXXX making false claims. Now today XXXX reports a late payment from XX/XX/XXXX which is highly not true to go along with Transunion reporting one for XX/XX/XXXX which isnt true. This loan was paid in full enclosed after dealing with two hurricanes which left the house flooded and left us displaced which XXXX through my insurance company put us in a hotel both times this account was never late, but yet almost 7 years later, still affects my credit history as being the only late payment on my report. I manage XXXX accounts all 100 % this account must be updated on all three credit bureaus to paid in full closed never late and any late payments reflecting be removed immediately. It has been almost 7 years. This is becoming highly disturbing and upsetting. XXXX has put me in a position to where the only negative thing on my credit report is this one account from almost 7 years ago that was paid in full and closed in XXXX. There are no late payments. Transunion and XXXX needs to remove them. XXXX did the right thing they called. They spoke with the representative at XXXX and got the answers. They needed incorrect at the same day.
Product: Credit reporting

I recently have XXXX debt collections in my credit report but all of them are not mine. They are from XXXX and XXXX and I have been living in XXXX since the day I came to the States. 
XXXX of the account is back from XXXX and I only came to the XXXX on XXXX. 
XXXX of them are back from XX/XX/XXXX and I only have my social security number on XX/XX/XXXX 
So there is no way these accounts are mine. 
I also contacted the collection company and they were not be able to locate my files. And they said they do not have my social security number on file. Only someone with same name, same date of birth. 
I also filed a dispute with Equifax. But after the investigation ( they took about 5 days to investigate ), they claimed that these accounts belongs to me. 
These accounts are only on Equifax report, they are not on XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two account XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** and one account XXXX XXXX XXXX   XXXX**** and one account XXXX XXXX XXXX**** and one account XXXX XXXX XXXX**** I have disputed all have of these accounts as having unauthorized charges on the account. but still transunion comes back as verified how is that possible are they seeing every transaction with signed receipts. I don't think so I believe they are not even investigation but instead just saying that they are.Because the only way to verify if transactions are authorized is to have a signed receipt without that there is no way to verify.
Product: Debt collection

I received a letter dated XX/XX/2019 stating that I had been sued by Midland Funding on behalf of XXXX XXXX XXXX in the {$1000.00}. Included in the letter is a request for a list of all of my assets and bank account information. I have contacted them and explained to them that this is not my debt. I have asked them several times to validate the debt and they refuse to do so yet they expect me to just give them money for a debt that is not mine.
Product: Vehicle loan or lease

The account is showing open. I made 100 % of payments. Loan paid in full. Received car title and letter stating loan was paid in full. Also stating it was paid inside of a XXXX XXXX plan. I had a XXXX XXXX plan but payments were made outside of plan. The account has been closed for 1 year but doesn't reflect on credit report all payments on time.
Product: Debt collection

Conn 's Appliances has called me XXXX times today trying to collect o a debt owed by someone with a similar name as mine. 

I 've told them XXXX times today that they have the wrong person. Yet they continue to call me back. 

I do n't want them to damage my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion & XXXX after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX Transunion You are reporting Purchased by another lender _ paid in full / was a charge off However XXXX   & Transunion DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
XXXX You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX XXXX XXXX their is no modification inaccurate information. 
Transunion & XXXX Payment History is Inaccurate on this account! 
Transunion you are reporting a 30 day late on this account for XX/XX/2018 XXXX is reporting on 30 day late on XX/XX/2018 This information is inaccurate XXXX is showing
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a rep by the name of XXXX on XXXX XXXX about service collections that I had with your company. During this call I was advised if the debt was paid in full A correspondence would be sent by the following Monday to all credit bureaus to remove all debt. I was advised that all calls were recorded and monitored so please pull those records to reflect what was stated. I was also told that I would received this information in a letter within a week and to this date I have not received any communication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I paid the following debts on XXXX. 

{$340.00}, {$75.00} & {$50.00}. 


However my report has been update and the debt still remains as paid. Please be advised that I am requesting that these items are removed immediately. I have attached the companies reponse stating that they requesting that all three credit bureaus remove the following accounts from my credit files on XXXX XXXX XXXX  Account numbers XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Social Security XXXX : XXXX DEAR Experian, To Whom It May Concern this is my 2nd Request : I received a copy of my credit report a few days ago and am writing to dispute these items on my report that needs to be corrected. I have circled and numbered the items on the attached copy of the report. The reason why this item should be corrected is indicated below : ACCOUNT NAME : XXXX XXXX Open XXXX : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open XXXX XXXX XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open XXXX XXXX XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT XXXX : XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Open Date : XX/XX/XXXX I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. According to the provision of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be reinvestigated or deleted from my credit report within 30 days. In the interim, this item should be noted on my credit report as in dispute. I am also requesting the names, addresses, and telephone numbers of individuals you contact so that I may follow up. Also, my last cfpb complaint # XXXX to show I reported this issue multiple times. 


If it is determined through your investigation that the disputed items is inaccurate, please correct my report and send me a notification that the information has been updated. I am requesting an updated copy of my credit report, which should be sent to the address listed above or email. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 


Thank you.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX / XXXX XXXX XXXX. In accordance with Fair Credit Reporting Act. Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each induvial with whom you verified the above, so that I may follow up. Please send me a updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an email alert that a new credit inquiry was made from a SYNCB/SAM 'S XXXX on XX/XX/2021. I do not recognize this action or inquiry. I looked it on and it was some kind of credit inquiry for a Sam 's Club credit card. I already called Sam 's club and there is no existing credit account with them and I also called XXXX XXXX about the credit inquiry and was told to file a complaint to remove the inquiry off my credit report. I also want to know if my identity/SSN have been compromised.
Product: Debt collection

on XX/XX/2021 Spire recovery solutions ( SRS ) contacted myself at XXXX, as well as my business line owned by XXXX at XXXX, and my son at XXXX and my sister at XXXX on XX/XX/2021 they did it again. 

It is my understanding that they can not contact family members.
Product: Debt collection

From phone # XXXX Supposedly Wakefield & Associates Unknown debt This phone number continues to harass my phone number even though I have the number blocked. I have not received written notification of this debt/collection to date. 

XX/XX/XXXX- 13 calls XX/XX/XXXX- 4 calls in less than an hour XX/XX/XXXX, my phone received 12 calls I have blocked the phone number due to the amount of spam/scam reports. My phone keeps a log of the blocked calls.
Product: Debt collection

Ive been trying to have items removed for my current report. I never received a debt validation In the mail, Im trying to have this removed according to 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, you have violated my rights by in lawful communications please remove this collection off of my credit report thank You. 
Ive been sending numerous of letters to the creditors to have this removed. They failed to do so they have not validated the debt and Ive been disputing it with TransUnion so they can send over the validation, but they failed so well.
Product: Credit card or prepaid card

Transaction Date XX/XX/XXXX Amount {$99.00} Transaction ID XXXX Purchased Item using PayPal credit Website I purchase item is XXXX ( Website no longer exist ) will attach screen shots of website of the item i purchase.. then after purchase was made this other seller info came up on the email after i made the purchase. This website claims that this item was made in the USA but doesn't make sense if the item is coming out of XXXX based on the bellow seller. This sounds like a scam since the website is not long available. 
Submitted dispute on XX/XX/XXXX. Dispute was closed when merchant actually responded to PayPal and said item was shipped. PayPal took their word for it and re billed me but I still do not have the item. 

Seller info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date reported : XX/XX/XXXX Invoice ID : XXXX Transaction ID : XXXX Transaction amount : {$99.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 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 consumer report. I demand that XXXX, TransUnion, and XXXX remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41.

15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies.

Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. 

XXXX, TransUnion, and XXXX have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. 

With all the information provided above for example, XXXX, TransUnion, and XXXX have been reporting without my consent a case that is in XXXX since XXXX. The alleged attorney claims to be representing XXXX  XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX I purchased my first car at XXXX years old. I had been saving up for quite a while because no dealership would sell me a car with a small down payment due to my age and lack of credit history. I inquired XXXX XXXX located in XXXX, TX on a XXXX XXXX XXXX which had over 63,000 miles priced at $ XXXX {$15000.00}. 
I brought {$10000.00} CASH. Being naive, I signed a loan with Santander Consumer which only listed {$2000.00} down. I did not realize this until I tried to get the payoff information for the car, thinking I only owed {$4000.00}. My credit score has been completely ruined for one late payment and I am {$30000.00} in debt including the 22.9 % interest I get charged at XXXX years old for a car I should owe less than 5 thousand on. 
I am highly frustrated with the situation because they took advantage of me and when I tried to resolve the issue, I was ignored. The dealership is being shut down because of fraud and title problems. I tried to get a lawyer but the cost would be more or the same as what is owed on the car. 
I do not know what to do at this point. The thing that upsets me the most is my credit score.