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

On XX/XX/2022 @ XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX @ XXXX I used there Western Union machine ( that I have used for the last 2yrs ) to send money to my Godson XXXX XXXX XXXX XXXX {$25.00} and paid the {$9.00} ( processing fee ) total {$34.00} on XX/XX/2022 When XXXX went to receive the money there was an Error and contacted me right away. I then called Western Union ( WU ) An was giving a case # XXXX by Monday XX/XX/2022 I contacted WU w my case # an told it was in process an someone would be contacting me. Then on Tuesday XX/XX/2022 I was told to go to the store where the transaction took place. I did with WU on the phone w me then told never mind someone will be contacting me. So on XX/XX/2022 I called WU gave my case # and was told there was no case #. I asked to speak XXXX there supervisor but was told I could Not an told they could Not give me there supervisor name. So, I called my Bank XXXX XXXX XXXX  ) to see if I paid for my transaction and I did and showed it in my checking account. So, I called Western Union Corp in Indiana and spoke with XXXX @ XXXX on XX/XX/2022 an was giving a New case # XXXX and told by XXXX that I would be contacted XXXX by Friday XX/XX/2022 But No One had called or emailed me XXXX. So, Again called XXXX the WU corpXXXX on Monday XX/XX/2022 and gave them my case # & was told someone will be calling bk that day. But No one called bk. Again I call XXXX on Tuesday XX/XX/2022 told my case is being process. No one called or emailed me XXXX XXXX, again I call on Thursday XX/XX/2022 and told there was No case then received an email stating that I never paid for the transaction. So, last night XX/XX/2022 I was on the phone with WU Corp. for over XXXX & XXXX trying to correct this but got no where and once again told the supervisor was not available to talk and gave me a New Case # XXXX Hhhmmmm Not sure what else to do other than contacting you. Can you Please Help? Do I have to hire a lawyer to go after WU Corp? 
Thank you Sincerely XXXX XXXX Email XXXX XXXX
Product: Student loan

I looked on my credit report and seen this company i never even hear of on my report and requested a DEBT VALIDATION!!!!! these are the documentations I need. 
validation of the debt complies with the following stipulations. 
1. Documentary and evidentiary proof to claimant. 
2.in according with the fair debt Collection Practices Act ( 15 USC 1692 et seq ) provide Verification of the debt. as being true and correct, and authentic, sworn by oath or affirmation with wet -ink signature signed under the penalty of perjury or provide a copy of a judgment, sworn by wet ink signature signed under penalty of perjury that the forgoing is true and accurate copy of the original recorded with appropriate public and government offices against climate. 
3.produces all relative commercial instruments, including but not limited to applications, assigns, agreements. and /or contracts which contain exchange of benefit9s0 or contain the verified signature of claimant.

4.provides, verified copies of assigns, negotiations securities and /retransfers of rights, tittles ( s ) and /or interest ( s ) and the like, sworn by wet ink signature signed under the penalty of perjury that the foregoing copies is true correct, and not misleading which unambiguously delineates that NELNET is the current owner, assignee, holder, holder in due course and /or entitlement holder of the alleged debt including all supporting documentary evidence as proof.

5.produce all relative commercial instruments and/or notices, declarations, publications which clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights . duties, obligations, liabilities cost, fees, in advance or subsequent to the alleged incurrence of alleged debt, and where there has been full disclosure of all relevant terms and conditions.
Product: Credit reporting or other personal consumer reports

Experian Formal Dispute of Inaccurate Information on My Credit Report am writing to formally dispute inaccurate and unverifiable information on my credit report, as provided by your company. The specific items in question are detailed below. 

1. Bankruptcy Reporting The bankruptcy listed on my credit report ( Reference Number : XXXX, filed on XX/XX/2015 ) from the XXXX XXXX XXXX XXXX  XXXX is inaccurately reported. To the best of my knowledge, bankruptcy courts do not report information directly to credit bureaus. As such, I request that you provide the source of this information and proof of its accuracy. 

If you can not verify this information through reliable, verifiable sources, I demand that this bankruptcy entry be removed immediately in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy in reporting. 

XXXX. Disputed Accounts Additionally, I am disputing the following accounts for inaccuracies : XXXX, Account # XXXX : Charged off with a balance of {$8200.00}. I request verification of the balance, status, and dates reported. 
XXXX XXXX, Account # XXXX : Charged off with a balance of {$2900.00}. Please verify all reported details. 
XXXX XXXX XXXX, Account # XXXX : Charged off with a balance of {$8600.00}. Provide proof of the accuracy of this report. 
Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed items. If the furnishers of this information can not verify the accuracy of their reporting, these items must be corrected or removed from my report. 

XXXX. Dispute Resolution Status Several accounts, including XXXX XXXX ( Account # XXXX ) and XXXX  ( Account # XXXX ), are marked as disputed. However, there is no clear resolution provided, and inaccuracies persist. I request documentation of your investigations into these disputes and how they were resolved. 

XXXX. High Credit Utilization Reporting The credit utilization reported on the XXXX  XXXX account shows 82 % usage, which I believe XXXX be inaccurately calculated. Please confirm the credit limit and current balance reported.Requested XXXX I respectfully request that you : Provide detailed verification and source information for each disputed item. 
Remove any unverifiable or inaccurate information from my credit report immediately. 
Provide a full summary of your investigation, including documentation from furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are failing to review and/or research any of my dispute letters that have been sent regarding the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My current credit report stills shows these accounts as Account not Disputed. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. - - You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
I respectfully request that the bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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
Product: Checking or savings account

On XX/XX/2023 I deposited a XXXX check for {$8000.00} into my Truist checking account. As of today, XX/XX/2023, the funds are still showing as pending due to an administrative hold. This has caused the account to go into the negative and they ( Truist ) are now charging me overdraft fees which they are refusing to refund. I know the check has cleared, I have proof of funds, and they are drawing interest off my money while denying me access to it. I have been a customer with an account in good standing at this bank when they were Suntrust for close to 20 years. How is this legal? There should be laws against this, because it is extortion. There are hundreds of complaints about this online. This bank is shady and criminal. This is theft. Plain and simple. Customer service is rude and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureaus have lied to me and not done due diligence to verify the account in dispute. There is a bankruptcy on my credit report that should have been removed. I have filed a letter with the United States Bankruptcy Court XXXX  District of Georgia office of Clerk, concerning this bankruptcy that is falsely being reported on my credit report. I received a response back from the courts stating that they did not report any bankruptcy to the credit bureaus and for me to contact a lawyer for further actions. With this bankruptcy that is being reporting on my credit report, has caused me and my family distress, and a financial hardship. I have tempt to send several letters to each credit bureaus requesting for them to update my personal information, concerning my address and employment but each credit bureaus refused to comply with my request. I have also requested for them to remove the bankruptcy out of each credit bureaus which they also failed to comply. I am being denied for business loans, personal loans and etc ... due to this bankruptcy being reported to potential lenders. With all I have done to try and get this matter resolved so I can move on with my life, the credit bureaus are still reporting false information on my credit file. I am now at the conclusion on filing a law sue with small claims court willful ennoblement of inaccurate/un-verifiable credit reporting, if this matter doesn't get resolved in the next 30-40 days. Thank you for your time and consideration and I look forward to getting this matter resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/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, title loan, or personal loan

I would like to file a formal complaint against Giggle Finance based in XXXX, FL. Giggle Finance is a company that gives short term loans to help XXXX XXXX with their business expenses. However, the terms of the " loan '' are not very clear. From my understanding they lend money in exchange for future revenue from your business that is paid in weekly payments. I applied for {$500.00} and when the money was deposited the origination fee was automatically debited so I did not receive the full {$500.00} that I originally was approved for. The company is known to be a predatory lender with very high and confusing interest rate amounts. I recently contacted the company after an issue with their system caused a payment to not be withdrawn. The problem was corrected and then I requested a copy of all payments that I have made up until now ; which the company complied with. However, when the company sent the information over to me they told me that they can legally report missed payments after just one day, which I know to be completely false and against the law. Please see the attached image containing the text message from a company representative stating the 1 day missed payment reporting. I then advised them that I would seek the services of a lawyer if they continue to give false information, to which I was told that if I missed a payment I would incur a default fee of {$1500.00}, to which I had no knowledge of and I believe is illegal. Also have proof of a company rep telling me about this below. Giggle Finance is a predatory lender with unclear business practices, and I hope that consumers are made aware of this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that, Experian credit reporting agency , delete the listed below information appearing on my consumer credit report that is the result of identity theft and fraud immediately from the time of receiving this complaint. These fraudulent, inaccurate, and false information consists of the following inquiries listed below. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These several fraudulent hard inquiries appearing on my consumer XXXX credit report resulting in hardship due to the inaccurate information reporting on my credit file. I do not recognize any of these hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX  complaint ( uploaded ), Police Report ( XXXX ) FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer hard inquiries are the result of identity theft and fraud. Also, I included proof of my identity, address and social security number for verification purposes.
Product: Credit reporting or other personal consumer reports

This is regarding account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. 

I mailed XXXX, Experian, and XXXX on XXXX XXXX about not accurately reporting my information and asked if they can correct all the misrepresentation of dates and information that is currently hurting my ability to put my family in a better position to buying a house and investing for future endeavors for my wife and kids. In the dispute letters I requested them to look into last verified, date of last activity, date reported, date open, balance owed, account status, payment status, last payments, and past due for XXXX dates XX/XX/year>, XX/XX/year>, and XX/XX/year> Experian dates XX/XX/year>, XX/XX/year>, and XX/XX/year> XXXX dates XX/XX/year> and XX/XX/year>. I also requested to change to XXXX XXXX XXXX as agreed. XXXX is the only credit bureau that responded with a correction of pay as agreed on XX/XX/year> conformation # XXXX. After waiting 2 months I still found improper inaccuracies after a thorough research. Even after they stated my reports to be On Time Paid as Agreed. My credit history has always been in good standings and my credit report scores are as followed XXXX XXXX, Experian XXXX, and XXXX XXXX. But due to these inaccuracies it is affecting my credit scores negatively. Please help me correct In accordance with the Fair Credit Reporting act 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.
Product: Mortgage

XX/XX/XXXX in your response dated XX/XX/XXXX Bayview XXXX CFPB XXXX XXXX Requests for information. 
XXXX ( e ) ( 1 ) ( i ) A, B Notice of Error 1024.35 ( e ) ( 1 ) ( ii )  Different or additional error XXXX XXXX you state your records reflect that on XX/XX/XXXX a disbursement of {$1000.00} was sent to Family Sec/State Farm for hazard insurance XXXX effective XX/XX/XXXX through XX/XX/XXXX copy of the invoice is enclosed for reference once again you send 25 documents WOW voluminous for such a simple question, i understand Bayview trains its employees to send lots of documents, irrelevant documents, wasteful documents, documents that have nothing to do with the questions asked, and i will keep asking until you answer my questions, send documents as required by law to support your statements tell me the outcome of your investigation with supporting documents make the adjustments necessary send me documentation that you made the adjustments as required by law, you, Bayview can say as it has, Mr XXXX asks so many question, Mr XXXX has sent over 20 letters to Bayview, we have already answered those questions, but i will continue to ask until you comply with the law, please look up Bayviews responsibility under Notice XXXXf Error, Bayviews responsibility under Request for Information, Bayviews responsibility under Qualified Written Request The  statement you provided is FALSE. 
Of 25 pages NONE include any evidence of your claim in your response. 
1-send a copy of the two letters required by law you sent me before you purchase any type of insurance, your a perfect example of why CFPB had to create these guideline. 
2-please send the letter that you rec 'd from Family Sec/State Farm showing that the policy had expired was canceled or was unpaid on XX/XX/XXXX 3-send a copy of the policy you purchased send a copy of the canceled check showing you paid this policy 4-were you unaware the homeowner already paid for homeowners on XX/XX/XXXX? 
And no blah blah blah, our records indicate, blah blah blah, according to your mortgage agreement blah blah blah. Try to answer the questions i ask because i will continue to send letters until you answer my questions and provide documents, more documents, and documentation for all your blah blah blah.
Product: Mortgage

Closing date number 1. XX/XX/2019- postponed due to missing paperwork. Rate lock extended without consent from myself. A fee was charged to me.

Closing date number 2. XX/XX/2019- postponed due to mortgage company 's lawyers delaying on paperwork. Rate lock extended and another fee added at cost of myself. Fault of Quicken Loans and admitted as such.

Closing day number 3. XX/XX/2019- postponed due to seller not being out of house. No fee added bc was still in new rate lock.

Closing day number 4. XX/XX/2019- Postponed due to mortgage company 's lawyers failing to provided all needed documentation and a tax check. Assigned lawyer " on vacation '' and no one could locate paperwork. Paperwork found on XX/XX/2019 but unable to schedule new closing by new rate lock deadline of XX/XX/2019. New rate lock extension added, cost to myself. Quicken admits fault on their end but still charges me.

Closing day number 5. XXXX- Quicken contacts my attorney and states that I requested a new closing for XX/XX/2019, which I never did. Quicken also messages me at XXXX the day before asking for more paperwork that needs to be to them by XXXX that day for closing to happen on XX/XX/2019. Knowing that this was impossible since I was at work from XXXX to XXXX. They know my schedule by now, also the same person had contacted me on XX/XX/2019 asking for different information, which was provided, but know needed more. Again, another delay. So far delays caused by Quicken and their lawyer has costed me over {$1400.00}.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO : YOUR COMPANY I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ). 
You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the INFORMATION concerning the individual about whom the report relates. 
According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was never evicted. I do not owe this company this amount of money. They are charging me 6 months of rent when I was not living there. I Never signed a lease with them. This is affecting me being able to get approved at other rental companies. I have good rental history prior to this. Transunion removed this account after dispute. Please do the same. Thank you