23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I gave my card to pay for a car ride from the airport to a hotel in XXXX XXXX. The price was {$100.00} ( USD ) and I received a receipt for that amount. Then I saw that I was charged for {$750.00}. I called Citi Visa immediately on the same day, when the charge was still pending, they recommended filing a dispute for the extra {$650.00} and not saying this was fraud, and this is what I did. The charge posted anyway and then the dispute failed, I reopened the dispute and it failed again, it's not clear to me why it failed. I did send the receipt in the initial dispute and when reopening. 
The background for this transaction, as I told Citi Visa, was that I had a scheduled ride from the airport to the hotel, and I was scammed, unfortunately. The scammers made me believe they work for the company I scheduled the ride with, and the only way I could get to the hotel is by paying {$100.00} for another ride which later will be reimbursed by the company. I did not ask Citi Visa for those {$100.00} even though it was fraud. I only asked for the extra {$650.00} because when I use my card to pay {$100.00} I expect to be charged exactly that, and not more.

I was very surprised that Citi Visa did not refund me for the extra charge, and that they let the pending charge pass after I said that the amount was wrong. 
When Citi Visa declined the dispute they sent me a paper that looked like a receipt with a single curved line that maybe they think is my signature, clearly this is a paper I never saw and definitely I did not sign it, and it is not at all similar to my signature. I am not sure why they sent me this pic at all. 
Their main, or only, explanation for declining the dispute was that they couldn't get the money back from the merchant, which is not a good reason, they should have never paid that money to the merchant. 
I never contacted the merchant directly because the phone number they gave me was the phone number of the real company I used to book the original car ride. I did contact that number and they told me that they never directed me to another car ride, which is why I realized I was scammed. I could never contact the scammers directly. 
Thank you.
Product: Student loan

I received a phone call stating I owed money from for parents plus a loan Greatlakes Nelnet said they were taking over, but I disagreed with that on phone
Product: Credit reporting

I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Transunion credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate addresses listed on my credit report, which I obtained on [ Date of Report ]. These addresses are not associated with me and may be indicative of identity theft. The following addresses are inaccurately reported : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX These addresses do not reflect my current or past residences and are likely associated with identity theft. As such, I request their immediate removal from my credit report to prevent further harm and inaccuracies. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request. 
FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable.

Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime.
Product: Debt collection

I've never had a contract with this debt collector. I also have been a victim of identity theft and have been going through the proper course of actions to get that repaired part of that identity theft was the XXXX items on my credit report by Jefferson capital. XXXX 's in XXXX XXXX, XXXX XXXX. And the other was XXXX XXXX. I already got XXXX  taken off. Due to the identity theft. please provide proof from the original predator that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 16 CFR 313.1 financial institutions are required to provide a 30 day opt out notice to ALL consumers rather they would like their nonpublic information reported. 

Both XXXX/KAY and XXXX failed to provide me with such notice. This is a violation of FCRA. 

VIOLATION 1 : XX/XX/XXXX VIOLATION 2 : XX/XX/XXXX VIOLATION 3 : XX/XX/XXXX VIOLATION 4 : XX/XX/XXXX VIOLATION 5 : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD ALERT! Credit Inquiry Removal/DELETE Request I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XX/XX/1919 and XXXX XXXX XX/XX/1919 19
Product: Money transfer, virtual currency, or money service

I sent a wire transfer amount of {$8500.00} dollars on XX/XX/2017. Now it has been 3 days, the fund is still not available. The company, Coinbase Inc has promised on their website and with email that the fund will be available within 1 business day same as any other wire transferred funds.
But now they do n't even reply to my emails anymore. After promising to get the problem fixed.
Product: Credit reporting or other personal consumer reports

I had an item of debt for approximately {$3000.00} added to my credit report that is based on medical debt. The collection company failed to disclose this debt is medical in nature. Specifically relating to a XXXX  visit. I believe this company is used to " wash '' debt so that it can bypass rules about medical dept impacting your credit score. I filed a complaint with the rating agency but they did not remove the item. Which is in violation of CFPB Regulation V.
Product: Money transfers

I sent {$200.00} to my brother in law XXXX XXXX XXXX in XXXX XXXX on XXXX XXXX. Western Union XXXX WU XXXX placed a hold on funds requesting further information for the reason that XXXX XXXX name is on the sanction list. I provided copy of XXXX XXXX 's Passport, ID, Address, DOB, Employer, Employment, Place of Birth information. I call 7 times to check the status of this money transfer. But each time, Western Union would give me run around. Following are the different responses I received from WU:1. Stating that hold is being worked on by a certain Government Agency and there is nothing WU can do about it. 
2. Oh, we never received your email and documents3. Please provide us information about his employer4. Resend us documents5. We will call you ( they never did ) At this time, I just want my money back. And I will be very upset if they keep their {$10.00} fee
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Company had scheduled foreclosure sale for XX/XX/XXXX. Sale was cancelled due to my filing of suit in federal court and filing of a les pendens. Inconsistencies were found with time barred debt among other issues. Our congressional Office sent a request for more information and responded with letter ( see attached ). This response letter was not even signed by an officer of SLS in response to a congressional inquiry, canned signature by XXXX a teller, no title or official office. This shows to me the lack of seriousness with which they assign these type of issues. This is all a continuance of a ZOMBIE mortgages that SLS is trying to foreclose on utilizing a fraudulent deed of trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

In XX/XX/XXXX, I went inside a XXXX  store in XXXX to resolve a payment issue on my account. The in store rep attempted to help me but informed there was an issue with removing the payment card on file so she called the XXXX escalation team to rectify the issue. After an hour of trying, the folks in store and on the escalation team were unable to remove the old payment method to add a new payment method. Up until that time, I was already disappointed in the service. With this new issue, I closed my account that day and switched to XXXX XXXX XXXX. 

A few weeks later, I contacted XXXX about a final payment for my last bill and the phone. I spoke to an agent who transferred to the same escalation team to no avail. No mail or correspondence was ever sent from XXXX mobile about the last payment. 

On XX/XX/XXXX, a collections letter from Credit Collection Services stated a balance of # {$360.00}, which is the exact balance I tried to pay twice. I contacted XXXX by chat on XX/XX/XXXX and spoke to 3 reps - one being a supervisor. Each one was inadequate in what they could do to resolve this collection issue. The account could not be located therefore a balance is not owed and this a fraud collection attempt
Product: Credit reporting or other personal consumer reports

I was paying Lexington law to remove things off my credit account. They were saying they were removed from there site but when I looked at it from my credit report the items that were supposed to be removed said reopened on my credit report and Lexington was still charging my account for work that wasnt worth paying for. If the items keep reopening once Lexington said they were removed & also my public records is reported wrong on my credit account that wasnt worth paying something they also was supposed to remove/correct.
Product: Bank account or service

Someone opened a unauthorized car policy in my name when my wallet was stolen I also noticed that they have been using my bank account as the funding source I did n't notice at first until my account balance was extremely low I then carefully reviewed all myTransactions an found XXXX transaction for the general car insurance company. I called citizensBank immediately an reported the transactions as fraud then I was advised to contact the general insurance company an report the account as fraud soI did and both companies are doing a investigation. I want my money back because this was unauthorized an this is ridiculous I 'm so XXXX!
Product: Student loan

I was never given IBR option in the beginning i was just put into forbarence and then i tried the ibr plan and i have moved and didnt get information regarding reapplying which caused me to lapse in payments and then i went from XXXX to navient and thats when scams were going around and i wasnt sure navient was real and was scared to give info. I would like my credit fixed regarding the bad remarks
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Collection account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax and most recent data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and immediately!!!
Product: Mortgage

I paid my payments on time for the whole year. The mortgage company never paid my homeowners insurance. The insurance company dropped me due to none payment. The mortgage company took out insurance to only cover the loan no content. Now I try to get new insurance and the insurance is 2x as much. Which I do not have. The company is caliber home loans
Product: Credit reporting or other personal consumer reports

I want to dispute fraudulent accounts on my consumer report that you have failed to delete. I request an reinvestigation and permanent removal of the inaccurate accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified.

Immediately remove these inaccurate accounts from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a 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 am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX MTG 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX ( XXXX yrs., XXXX mos This vehicle was repossessed by ( XXXX XXXX XXXX ) in the State of ( Florida ) on or about, XXXX XXXX and resold on or about XXXX XXXX Under the laws of the State of Florida UCC 9.506 and State XXXX  and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I requested them to provide proof within XXXX  days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I have not yet received the proof have not been provided of the GAP insurance value, And the resold on the Auction. This had been over XXXX  years me requesting from them. Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies. 

The vehicle begins to have engine problems, which I was finance extra into my loan to cover engine and transmission. I had the car less that XXXX  days I brought the car to the approve repair show that they provided. They advised me that it was engine issue that they would need to open the to repair. They put in several claims to the warranty to the company so they could repair the car. They then raised my car payment from {$450.00} to {$890.00} per month. I was ahead on the payments XXXX  months going back and forth with the claims of this company being without out this car. I then was told I could then get another car, but only from the same dealer as I had already had issues with the first car. The car was left at the dealer repair shop. I put down {$5000.00} they increased my car payments so that I could no longer afford them. Then removed the car from the car repair shop.
Product: Credit reporting or other personal consumer reports

TransUnion, Equifax, and Experian are reporting information that has been charged off and the debt has been canceled, 1099C has been issued by lender. Income can not be reported on credit report. This is in violation of the provisions set forth in U.S. Code 1692e - False and misleading representation and I do not consent for my information to be shared with these agencies.
Product: Credit reporting

I have disputed the accuracy of information reporting regarding bankruptcy XXXX that appears on my report. Specifically, information related to the status of the case, the claim amount, etc. is not reporting correctly on my reports, and is not accurate in documents currently on XXXX as changes were made to the bankruptcy after XXXX of 2011 when TransUnion shows the date paid.. 
In the past TransUnion has stated they verified information regarding the bankruptcy with the furnisher of information. I asked who that furnisher is and TransUnion advised they use data from public records and consumer reporting agencies. I called TransUnion and asked again who specifically verified the information and they told me the bankruptcy court. I contacted the Bankruptcy Court in XXXX XXXX XXXX and they told me they have not verified anything regarding this bankruptcy case to the credit reporting agencies, and that it is not their policy to do so. I called TransUnion again after the Bankruptcy Court advised me of this and was told that TransUnion uses a variety of methods to verify the integrity of the data being reported, but was never told who specifically verified the information. 

I want TransUnion to verify the information with an actual person at the bankruptcy court and to provide me the name, address, phone number, and date they actually verify this. If they verify it with a source other than the court tell me exactly who it was verified with.