23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid my final bill to World Financial online on XX/XX/2020 in the amount of {$320.00} they emailed me a receipt. Ive been fighting this charge off/ collection for two years. Ive disputed it with all the credit bureaus but they have stated that the can not remove it and WF refuses to respond and provide proof of debt. World Finance gives me the run around and never calls back, emails or mails me like they promise. They have me listed owing over {$400.00} on a closed account I paid and three years late on payments. My score has plummeted. When asked to validate they change the amount or date. They said they work under a new system and cant find the proof of payment on their side. They also sent me to collections after I kept disputing them, twice. Im beyond stressed and exhausted
Product: Mortgage

I submitted a request for a loan modification on XX/XX/2018. I was notified items were missing and I supplied those items on XX/XX/2018. Today is XX/XX/2018 and I still do not have response to my request for assistance.
Product: Debt collection

Pro Collect has sent documents that dont match up. The move in date on the " alleged debt sheet '' is not the same date that is listed on the lease. Both papers were sent from pro Collect when they were " verifying '' debt. The documents aren't correct and this isn't a valid debt
Product: Checking or savings account

I sold shoes online last week. I got a check for the shoes for around XXXX XXXX XXXX since they were multiple shoes. I sold the shoes through XXXX XXXX and to this date I am blocked by the seller I never sent the shoes because I needed the check to clear first. The check cleared and I was preparing to send the shoes and I spent money from my bank account. A few days later, my account went negative and the check was bounced and I now owed the bank XXXX XXXX XXXX. It turns out the guy who gave me the check used someone else 's bank account for the purchase and now I am in debt because I cashed a check. I am also upset because the check cleared and did not change until I withdrew money at an atm and in the bank. Also, my card had someone trying to buy bitcoin and food on my card after it was stolen from an atm.
Product: Vehicle loan or lease

I mailed a notice of rescission and right to cancel transaction to GM Financial and XXXX XXXX XXXX. XXXX XXXX XXXX required a cash down payment as a condition of loan approval in a financed/credit transaction. I revoked power of attorney, rescinded my signature in the transaction and revoked XXXX XXXX XXXX and GM Financial 's security interest in the vehicle.
Product: Credit card or prepaid card

I applied for an Amazon store card on XX/XX/21 and instead of the store card I received a Amazon Prime Rewards Visa. It was the wrong card and I contacted both Amazon and Chase and they both said to go to the credit bureaus because it was out of their hands. I keep filing dispute after dispute and it is being rejected. I never applied for this specific card. Now I have a closed account because it is the wrong card and I do not use it and closed it.
Product: Mortgage

I made the mistake of sending a partial payment for my mortgage for the month of XXXX without knowing. Few days later ( XX/XX/XXXX ), I received a letter advising that payment has not been received by the bank - no explanation as to what happened ( see attached ), but after realizing that I sent a short payment, I immediately sent the remaining balance ( little over {$200.00} ). 

Around XX/XX/XXXX, I received an email advising a late payment status on my account. Called the bank ( Citizens Bank ), and they notified me that Citizens does not take partial payment on mortgages ( customer service said it was illegal ). On XX/XX/XXXX, I petitioned to XXXX XXXX, to apply existing funds under your possession ( that would have completed the mortgage payment ), and as of today XX/XX/XXXX, still is pending as she is stating that Citizens needs extra time to stop the checks that were issued back to me to refund the partial payments. 

Meanwhile, my credit report has been impacted as Citizens have been reporting me as delinquent, even though you have the funds under your possession. 

I please need someone to help and look at this matter under as Citizens Bank is still under possession of the funds that could have been apply to the mortgage payment for the month of XXXX ( in fulll ) but they refused to do so and instead they reported me as delinquent on the mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; 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 XX/XX/2021 ; XXXX & XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XX/XX/2023 To whom it may concern, This is an investigation request letter. I recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate with all the credit breaches happening. I asked that certain items be investigated when I saw that the creditor has reported on my consumer report information inaccurately. 
I am writing to request a detailed description of the investigation process carried out by the three-credit agencies regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ).

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
1. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

2. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.
Product: Debt collection

I see on my credit report that Credit Control Corp of XXXX XXXX, VA has put false and inaccurate information on my credit report. I have received nothing in writing from them about this " debt '' and when I check with XXXX XXXX XXXX, they say that I have a {$0.00} balance due. 

I reached out to this company and they are refusing to remove this false information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( {$67.00} collection ), 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
Product: Credit card or prepaid card

I opened a billing dispute on XX/XX/XXXX in the amount of {$230.00} for an item that was NOT received. Over the past 4 months, I have supplied Citibank with the information they required to satisfy this dispute. On XX/XX/XXXX, nearly 4 weeks from today 's date, I received a letter in the mail from Citibank ( attached ) stating the dispute was finalized in my favor and that conditional credit is now a permanent credit. Sadly, after waiting for an additional 2 weeks, the status of this dispute was NOT closed, as indicated on my account via the mobile app, and I have been charged several months interest ( APR ). During this dispute process, I have called Citibank a dozen times, requesting them to move this process along in a more appropriate manner. The account manager working on this dispute is completely incompetent and the fact that this dispute is still showing as " open '' is proof of this. Most recently, I spoke to a supervisor " XXXX - XXXX '' on Thursday XX/XX/XXXX @ XXXX XXXX MST, who re-assured me he would email the account manager for my open dispute and have them update the mobile app status to " closed '' and waive the interest that was charged as a result. Again, to date, this billing dispute is showing as open and I have fraudulent interest charges on my account.
Product: Checking or savings account

Hello, I have been a victim of a scam involving a digital currency platform since XXXX, which has unfortunately led to the closure of my accounts by several major banks. 

wells fargo closed all my bank account last year around XX/XX/XXXX. I am attaching one of the letters in the attachment XXXX also closed my bank account around XX/XX/year>. 



I have documentation from the FBI confirming my status as a victim in this situation. Is there any possibility of speaking with the banks to discuss reopening my accounts, given this proof?
Product: Student loan

Called Navient today and got disturbing news. 
Im currently {$62000.00} in student loan debt, and trying to figure out the best option. I requested a forbearance and got approved on XX/XX/XXXX, which stated that can resume payments on XX/XX/XXXX. I was told today that my forbearance ended on XX/XX/XXXX, and I was not aware of the change. So all of the late charges and derogatory comments landed on my credit report. That makes me wonder if I have been getting charged like this on my previous forbearance request. I recently applied for a personal loan, and it stated the reason for denial wasaccount severely delinquent. I truly believe it was because of this debt that I was misinformed about. I understand that I had to get student loans to complete my accounting degree, but I cant even land a job in the field due to less demand in my area. Its bad enough to have this following you for 10+ years, but to be misinformed is totally unnecessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the consumer I am writing this statement and no other. I sent a dispute to Transunion using the FCRA 1681b not giving Transunion any consent to furnish or report anything on my consumer report. This is in reference to XXXX XXXX XXXX account They sent me a letter stating that this is from a 3rd party and it wasn't from me as the consumer. I am here to file a complaint against Transunion for non compliance. I have attached the letter sent to them on XX/XX/XXXX and received on XX/XX/XXXX tracking number XXXX I have attached what was sent to them and received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in question ** XXXX XXXX XXXX XXXX XXXXXXXX Bank, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Subject : Request for Debt Validation Account Number : { XXXX ] and { XXXX }. XXXX accounts Dear XXXX XXXX XXXX, I am writing to request validation of the debt referenced above, which I understand you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe. I request that you provide the following information. 

XXXX. The name of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A detailed explanation of how the debt was calculated. 
XXXX. Any supporting documentation proving that I owe this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 

Please consider this letter a formal dispute of the debt until validation is provided. While awaiting this information, I request that you cease all collection and activity on this account, including reporting this debt to credit bureaus.Please delete from bureaus. 

Thank you for your cooperation in this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

An account was opened with my name and my parents ' address at the Bank of America. The account was an XXXX XXXX XXXX account. I learned about it XXXX month after it was created and no money was ever added to it. I contacted Bank of America and they closed the account and told me how to further protect myself.
Product: Credit card or prepaid card

I received a credit card from Synchrony Financial. Theres seems to be activity on the card which was not by me. I keep calling the customer service number to report fraud and the operator keeps telling me that number doesnt exist. I have called three different numbers, that have taken me to the same operator and every time I have tried to report fraud the operator tells me that the number does not exist. As such, I cant submit my fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 alleged fraud or extortion. 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
Product: Checking or savings account

Dispute of many transactions Wells Fargo Bank visa Debit card. 
Transactions disputed where denied by bank within 4 hours of claim with zero clarifications on why. Only statement was there was not enough information to justify claim of fraud. 
Wells Fargo Bank Claim Number XXXX There was additional claims added that I did not request by the claims department. 
Previous claims 5 days prior were finalized and deemed company error yet once additional claims where added those additional claims denied. 
0 % fraud liability and denied? Clearly these charges are fraudulent and I demand restitution or will seek legal council.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX  Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX  - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a Wells Fargo XXXX Cash Rewards Visa. It is supposed to credit 2 % cash back on ALL purchases. For the statement period that ended XX/XX/2024, I had {$3600.00} in net purchases, after returns. That should have generated {$73.00} in cash back rewards. They credited only {$60.00}. 

The customer service rep claims to have no access to statements or account activity and so can not verify my purchases. He can provide no answers but offers to " open an investigation '' which will take up to 2 months to complete. 

This should be pretty simple but Wells Fargo makes it complicated.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account name : DEPTEDXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX FL ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX, 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 an account without my written instructions.
Product: Debt collection

THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE. 
I HAVE NO WRITTEN CONTRACT WITH MY SIGNATURE STATING I OWE.
Product: Credit card

I've consistently made sure payments are on time for this account, never letting them go overdue. I'm puzzled by reports of late payment remarks on my accounts. Billing errors should be rectified according to 15 USC 1666b.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I made 5 bill payments for {$2000.00} each to XXXX XXXX at XXXX using XXXX 's XXXX XXXX XXXX service. These particular bills were processed by XXXX. 
My bill payments did not arrive at XXXX XXXX on XX/XX/XXXX as expected. I called XXXX and they told me they chose not to process the payment and that I needed to go back to the store where I made the bill payments to be refunded my transactions. 
On XX/XX/XXXX, I went to a XXXX location to receive my refunds. After 90 minutes of multiple phone calls and long hold times from the store location to XXXX, 1 of my 5 transactions was given a new number so I could  theoretically be refunded my payment. Unfortunately, XXXX put my name as XXXX XXXX XXXX on the transaction. My original payment, was processed with the name XXXX XXXX XXXX - which matches my identification and my original receipt from the bill pay location. The location I was at was unable to process my return payment because my ID did not exactly match the name on the XXXX transaction. I was then told I needed to send an email with my receipt images and my ID to XXXX in order for XXXX to correct the name on the receipt within 2-4 business days. I did so on XX/XX/2018. 
I have had several back and forth emails and one phone call with XXXX to try and get this resolved since then and am now being told it will still take longer to get this resolved. 
As an aside - on the 1 transaction XXXX tried to refund, they refunded only my payment ( {$1900.00} ) and not the XXXX processing fee of {$4.00}. When issuing the refunds, XXXX should refund the entire amount of {$2000.00} since they did not process the transaction and therefore should not collect the processing fee. 

Transaction numbers are : XXXX / XXXX XXXX / XXXX / XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, I am writing to request an investigation of the following accounts I have NEVER opened or used the accounts listed below " I'm requesting the following information to be deleted from my XXXX XXXX consumer report immediately I attached a copy of my report to this request. The accounts consist of a bank account opened at XXXX XXXX XXXX XXXX # : XXXX / XXXX, a bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

My mortgage loan was sold to Seterus XXXX XXXX. I went to by a car in XXXX XXXX and was denied a loan. It was discovered that Seterus was not reporting my mortgage payments which caused my credit score to drop by almost XXXX points. I immediately called Seterus and they identified that my mortgage payments were not being report and stated that they would start reporting and it will take 30 to 45 days. After 45 days they were still not being reported and I called them again. I was told that they only report missed payments. I contacted XXXX XXXX to file a complaint and XXXX @ XXXX XXXX XXXXXXXX XXXX contacted Seterus to advise them that they need to correct this by reporting my payments. They advised her that they had problems with there system reporting payments. As of XXXX XXXX they reported to XXXX only and falsely reported that they have had my mortgage since XXXX. The last credit report I pulled showed this and it also showed that the last payment that I made was XXXX of XXXX. This is incorrect because I pulled the credit report at the beginning of XXXX and I paid XXXX, XXXX and XXXX 's payment on time. I am trying to buy a car and move into a new home and this has negatively effected my way of life in a tremendous way.Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX  XXXX XXXX got a copy of my credit report without my permission On XX/XX/XXXX and also XX/XX/XXXX XXXX  got a copy of my credit report without my permission On XX/XX/XXXX and also XX/XX/XXXX XXXX  XXXX got a copy of my credit report without my permission On XX/XX/XXXX XXXX XXXX XXXX finance got a copy of my credit report without my permission On XX/XX/XXXX XXXX got a copy of my credit report without my permission Remove from credit report and send letter of the investigation and how you guys verify that these inquiry are mine