23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of inform
ation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I withdrew XXXX ( XXXX ) to XXXX XXXXl but XXXX XXXX deemed it " unclaimed '' so i cancelled the transaction in XXXX XXXXl because i didn't know " unclaimed '' meant still " processing ''. Now my money is stuck somewhere and XXXX XXXX  says they can't help me because its a cancelled transaction. That since it was cancelled it would be returned to the sending account 1-3 business days. It's been XXXX. Cash app says to contact XXXX XXXX  but thats not doing anything but sending me right back to you because the transaction was cancelled. Do you UNDERSTAND ME? IT WAS CANCELLED FIGURE IT OUT! REGARDLESS OF IF THE TRANSACTION WAS SENT SUCCESSFULLY AND NO ERROR OCCURRED THE TRANSACTION WAS CANCELLED SO WHAT ARE THE PROCEDURES WHEN A TRANSACTION IS CANCELLED IN XXXX XXXX AFTER BEING SENT FROM CASH APP SUCCESSFULLY? I HAVE WASTED 55 DAYS GOING BACK AND FORTH AND HEARING THE SAME THINGS FROM Y'ALL. DENYING MY DISPUTES WHEN I HAVEN'T DISPUTED THE TRANSACTION AT ALL SO IT SENT NO ERROR WHO CARES IF IT SENT NO ERROR IT WAS CANCELLED! WHAT HAPPENS AFTER IT WAS SENT SUCCESSFULLY AND NO ERROR OCCURRED IF IT WAS CANCELLED?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Product: Checking or savings account

I have mobile deposited my husbands check {$2500.00} unto my personal bank which is CITI BANK on XX/XX/2024. I called on the XXXX regarding the check if its gon na go thru and if theres a problem then we can just cancel it. They told me that they can not cancel it and that third party checks are not allowed so my account will be closed. I have deposited a third party check before and they accepted it so I thought there would be no problem. They told me to wait 24-48 hrs again. I called the next day on the XXXX to get an update and they told me that they are still investigating and to wait another 24-48 hrs. They told me to have my husbands employer which is the the city of XXXX call them to verify the check and they actually were able to verify and one of the representative told me that my account will be reinstated and to wait 24-48 hrs again for the status. I called again and they told me that they can not verify the check just by speaking to the hr department of the city of XXXX and that they will still closed my account. I told them its okay to close my account but we need the money they can release it back to the issuer so we can go to the physical bank and have my husband cash it out but they wont let go of the money. They told me have the city of XXXX file a claim to the issuing bank which is XXXX XXXX to get the money but we were just on the phone with my husbands employers hr department and they spoke to XXXX XXXX and said they can not file a claim because citi bank already accepted and took the funds. We have been going in circles with citi bank and they are not very helpful we have been waiting for that check that my husband worked for 14 days straight to have that money to pay bills. Now we owe people money, behind on bills, dont have any money to buy food. I asked them why are they holding the money in hostage after verifying it but wont give me an answer and they never ever told me how long they will hold the funds for. They just kept telling me that the city of XXXX has to file a claim. Please help!
Product: Credit card

On Tuesday XX/XX/year> I was on vacation in XXXX. I went to XXXX XXXX in XXXX XXXX XXXX and brought my XXXX XXXX XXXX XXXX XXXX XXXXnd made a couple of purchases. XXXX large purchases showed up on my credit card statement for which I did not make, nor authorize, I closed the card while on vacation and called and created a fraud dispute with my credit card company, first national bank of Omaha. I called yesterday, XX/XX/XXXX, and they told me they had XXXX days after the claim was initiated before they could investigate. An hour after I got off the phone, my claim was denied. I will be calling on Monday when the investigation team is open, but there were XXXX charges that someone either skimmed my credit card information or XXXX of the other merchants stole my information. Sun country says they determined it was chip read with a pin, which is shocking to me, as I did not make the purchases and honestly I do not recall ever putting my pin in while in XXXX. Before this day I only used my card for a resort hold, a boat cruise and a purchase at XXXX convenience store. I do acknowledge that I made a few purchases on XXXX XXXX, XXXX for {$7.00} at a convenience store, XXXX for {$18.00} at a jewelry store, We did go into a couple of jewelry stores where the merchant seemed to recognize us from the resort we were at. Afterwards we realized this was a scam, as they recognized our resort bracelets. My credit card company says I am liable for the charges. I am going to continue to try to dispute to see if I can get more detailed info, as the merchant was very generic. 

They came across aXXXX XXXX XXXX XXXX XXXX} and a second charge for the same place for {$400.00}
Product: Credit reporting or other personal consumer reports

Experian Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and Dennis v. BEH-1, LLC ( XXXX  ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> XXXX i attempted to get info proof of debt no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my initial contact, Experian has failed to respond, and the following discrepancies remain unresolved. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : ( XXXX XXXX, Balance : {$95.00}, Reported : XX/XX/XXXX, Original Creditor Name : XXXX XXXX ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$670.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$220.00} ). 

For each of these accounts, I dispute the accuracy of the reported information and request their immediate removal from my credit report. The details of each account are as follows : XXXX XXXX : Experian includes this account on my credit report, but it does not belong to me. I request the removal of this account from my credit report. 
XXXX XXXX : Experian includes three accounts under the name XXXX  XXXX, which are not mine. I dispute these accounts and request their removal from my credit report.
Product: Credit reporting or other personal consumer reports

CFPB, Equifax clearly is not Following the rules, set in place by the IRS. If this account isn't removed from my consumer report, I'm gon na report them to the IRS.The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. By definition, the IRS clearly states a canceled debt or charge-off is Income. This account is inaccurate it's state from the IRS.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 it is an essential and grave responsibility to both the consumer and banking system that the credit reporting agencies produce accurate and fair reporting. I recently submitted disputes which resulted in corrections, only to have the inaccurate data returned to some if not all three of the credit reporting agencies. As articulated in 15 USC 1681, these agencies assume a vital role in the mechanism for evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living as a consumer. Therefore, each reporting agency should match data with precision. Particularly when all three form the coveted FICO score.

1681e. Compliance procedures ( b ) Accuracy of 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.

I have ONE name. However, Experian publishes ( 17 ) seventeen incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. 
Over the last ( 10 ) ten years, I have had only 3 addresses. Two are current, one is not mailable there are incorrect 4 with Experian, 3 with XXXX, 3 with XXXX never associated with me. 

For the last ( 20 ) years, I have had the same and only phone number for both business and personal For the last ( 10 ) years, I have had one employer. Experian lists 3 Employers. XXXX and XXXX list antiquated/obsolete employer information from more than 15 years ago. 

Furthermore, XXXX reports that public records show my residential information as being a home assessed at {$290000.00} with 1968 sqft. I have never owned a home assessed under {$450000.00} nor smaller than 2800 sq ft. However, my company does broker real estate transactions of all kinds and my name is associated with the sale of many homes owned by other parties. How dangerous is it to the credibility of these reporting agencies that my personal value be assumed by the value of property my company is hired to market? 

Any public personal information contrary is inaccurately reported data, as is any information beyond ten years old.
Product: Mortgage

Generation MortgageXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : loan # XXXX XXXX XXXX & XXXX : XXXX obtained a jumbo reverse mortgage loan from you on XX/XX/XXXX. There was an underwriting condition for " a set aside of {$26000.00} for one years ' worth of property taxes and insurance plus 10 % '' ( see attached underwriting conditions ). 

My first installment of property taxes was paid, but my second XXXX was not. As a result of this XXXX XXXX installment not being paid on time I incurred a {$940.00} late penalty. I always pay all my bills on time and never would have allowed this to occur had I not understood that you were going to pay these taxes for the first year. 

The loan is now sold to XXXX as of XX/XX/XXXX, but you owned this loan when the XXXX XXXX became due in XXXX and also owned it when the taxes became delinquent on XX/XX/XXXX. I was never contacted or notified that you did not pay them, and since you had withheld the funds to pay them and had paid the first XXXX, I fairly assumed that you would use the withheld funds for the purpose that they were withheld and intended for and pay the XXXX XXXX of taxes as well ( or at the very least notify me that you could not for whatever reason ). Because your error of not paying them within the grace period cost me {$940.00} I need to be reimbursed by you for this amount. 

Please forward me a check in the amount of {$940.00} to reimburse me for your error in causing this burdensome fee. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXXXXXXXXXX. I have previously sent this same letter to you in XX/XX/XXXX. I have never received a response from your company. I have also contacted the company you sold this loan to, XXXX and they state that they did not acquire the loan until the tax payment was already late ( which is true ) so the responsibility for this error lies with your company and I insist that you correct it by sending me a check for the amount of the late fee I incurred by your company 's lack of follow through and financial disregard for my account.
Product: Credit reporting or other personal consumer reports

I've made several attempts to have an account removed off of my credit report, due to inaccurate reporting, and each time it was denied, all though I showed proof of said account not belonging to me,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I worked with a rep. from XXXX re. inaccuracies on credit card ending in XXXX. XXXX reported that I was 'past due 90 days ' in XXXX, XXXX, and XXXX of XXXX, according to an Experian credit report pulled on same day ( refer to complaint # XXXX for credit report number ). The rep. reported that I had missed no payments for the months cited. In addition, she said that I was on a payment plan and " When on promised plan, no adverse reporting to credit bureaux if current on ( agreed ) payments ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a dress from XXXX and returned the dress. I have proof of the return. 
The purchase remains on my XXXX account even though I contacted the number on the back of the credit card statement ( I have proof of delivery of the dispute. ) XXXX has reported this to the three credit bureaus. I filed a dispute with each of them providing them with the documentation of my return, however, the credit bureaus did not remove this erroneous reporting from my file. XXXX continues to bill me for the dress - a statement was received in todays mail (XX/XX/XXXX). 
I don't know what else to do. I do not have the dress, it was returned, and I am not going to pay for something that I do not have.
Product: Vehicle loan or lease

My car was declared a total loss on XX/XX/XXXX due to an accident, and I promptly contacted the insurance company, which accepted the total loss claim and paid the amount to Westlake Financial. Since Westlake 's interest rates are high, the value of the car was enough to pay {$15000.00} of the outstanding balance of {$25000.00}. However, Westlake should have used the gap insurance to pay the remaining amount. The problem is that they are deducting {$2000.00} for tow/storage fees that have already been paid by XXXX XXXX . I am attaching the XXXX XXXX claim statement to prove this. Additionally, they are charging me for missed payments of {$1800.00}, even though the gap insurance is supposed to cover the remaining balance. In other words, they are now charging me almost {$4000.00} unfairly. I am tired of calling, sending emails, and they still haven't resolved this. I am close to taking legal action. 

How can they charge me for tow/storage when the insurance company has already paid for it?
Product: Money transfer, virtual currency, or money service

I got hacked/ scammed on XX/XX/XXXX through my cashapp. 
1 ) amount {$2700.00}, instant fee {$48.00} deposited {$2600.00}, destination XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  ) amount {$3300.00}, instant fee {$58.00} deposited {$3200.00}, destination XXXX XXXX XXXX XXXX XXXX XXXX cashapp $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 I sent a certified letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt they are attempting to collect from me. I asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I'm obligated to pay them anything. They have reported delinquent information to the credit bureaus that I'm asking to be deleted from the credit bureaus.
Product: Debt collection

Good evening on XX/XX/XXXX I received a call from Premier Holdings phone number XXXX falsely impersonating a lawyer and threatening to sue me for old debt. 

I asked if it was a debt collector, and they stated a law firm. 

They claim that this was for an unpaid XXXX XXXX Credit Card, that they claim it dates back to XXXX. 

Despite the apparent incredibility of the caller, the date they claim suggest that this would not be a collective debt due to its age. 

I explained to her that this potential debt would be no longer collectible. 

I want to report this issue for various reasons : 1. False representation 2. Lying about ability to collect a potential debt based on age.

3. Making me feel harassed.
Product: Money transfer, virtual currency, or money service

I sent XXXX dollars to my friend in XXXX that I send money to often to have things done to and for my home in XXXX. When he went to get the money, with his I.D . and the ref. number and was given the run around at every place that he went to get the money from MoneyGram. Then at the last place that he went they wanted me to call a XXXX speaking MoneyGram number in XXXX. I called the number on my receipt and when I complained 2 different people started asking questions that were none of there business like do you know this person, why am I sending him money and what am I sending the money for and I told them he was taking care of things being done at my home. They continued invading my privacy to the point I told them it was none of there business and issued a refund. This company should not be allowed to have a business if they don't intend to do the service anyway. I really hope the government doesn't own this to get involved in peoples business. I really would like some kind of action against them and I would like a reply from you. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I ACQUIRED MY CREDIT REPORT AND ASKED THE CREDIT BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681i I WAITED 30DAYS AND I HAVENT RECEIVED NOTHING BACK MY TRACKING NUMBER IS XXXX AND ONE MORE THING, THEY DIDNT EVEN RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION. 
EXPERIAN, AND XXXX AND XXXX IS HOLDING ME BACK FROM BUYING. NEW HOME AND CAR DURING THIS HARD TIME IN THE WORLD. I AM STRUGGLING AND TIRED OF PAYING HIGH RENT. 
THE CREDIT Bureau IS NOT DOING THEIR JOB ACCORDING TO THE LAW