23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Experian received my certified letter regarding account # XXXX that XXXX XXXX XXXX XXXX is reporting on my credit report # XXXX. I disputed the account and asked for Experian to please verify this account and supply their methods of verification. On XX/XX/2021 Experian alerted me the dispute results were ready and that they had verified the account. 

It is stated on the Experian website that disputes take 30-45 days to fully complete the dispute process. The FCRA also says that the dispute process should take 30-45 days when properly conducted. How is it possible that Experian somehow was able to conduct a proper dispute in 7 days? Experian also failed to provide how they verified the account and the documents to support their findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I never lived in XXXX florida I 've live at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX for over 24 years. 
And I have a secured line of credit. I have no open lines of credit only secured line of credit at XXXX XXXX XXXX XXXX and I pay more than my minimum amount and usually pay off in full when I use that card. To my knowledge I do not owe XXXX dollars on any card. Like I said I pay attention to my credit and always pay more then what 's owed. And if I put XXXX in the bank that is a secured card with my money so go could I have a balance that is exceeding the amount I put in as a secured card. So please change this also I own XXXX XXXX XXXX and I 've owned this seance XX/XX/XXXX and before that I owned XXXX XXXX XXXX XXXX from XX/XX/XXXX to year XX/XX/XXXX So that needs to reflect in my report. I may have had a rough couple years but I have got back up and I continue to move forward and it looks as if the credit bureau do n't take this credit concerns as seriously as I have ave in the past this is not the first time I 've complained about this issue and I hope you can do a better job of expressing my opinion to them better and get it changed finely for the last time. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

this is  XXXX   XXXX  who used MoneyGram on-line service on  XXXX / XXXX / 2017  for the first time to transfer money in the amount of {$320.00} +  XXXX   ( f ee ) for the on-line purchase and found out that was scam. When I contacted th  e MoneyGram and was told that the money already picked up by receiver and they are not responsible for any causes, I was refer to the website link regarding to all potential fraud.
My concern is that MoneyGram should be compliance by provide that info before consumers press the " SENT '' or any verification process between the sender and receiver before the transaction finalized. By this method which will eliminates the fraud transactions made by the scam artist since they are continuing use this services    as a tool to take advantage of all citizens  like myself.
Product: Debt collection

On XX/XX/XXXX I placed an order with XXXX XXXXXXXX. I was ensured that all of our furniture would be delivered on the XXXX of XXXX. However my move-in date changed to XX/XX/XXXX so I called the company immediately and let them know. they ensured my furniture would be delivered on the newly scheduled date. ( This did not happen ) days go by and I reach out to Kings furniture ( I have been working with XXXX ( son ) & XXXX ( father/owner ). during my visit I was offered financing through snap financial. XXXX told me that I would make payment to snap once all my furniture had been delivered. he ensured they wouldnt take any money before that and that this was the only lender we would be utilizing. He did let me know about a few other finance companies but I expressed to him that this was my first time so I just wanted to utilize one lender at this time which was snap. Today is XX/XX/XXXX and I have yet to receive my furniture order. I also have a lending company contacting me by the name of : Koalafi stating that I have missed a payment with them? This is impossible as I assured the furniture salesman ( XXXX ) that I did NOT wish to use any other lender besides snap. I do not have my furniture order nor will I be paying Koalafi anything. I do NOT have any business with Koalafi. I will begin my payments with snap once my full order is delivered as this is what was ensured to me by XXXX and to what I agreed upon
Product: Payday loan, title loan, or personal loan

I contacted this company in XXXX. I believe it was XX/XX/XXXX to change my auto pay from one bank to another.

I was told that this change was successful and according to my account records it was successful. 

Now, I have been told the XXXX payment is late and in collection status even though it was confirmed that my account information was on file. There is no record of them trying to debit the account. 

I called today and was told that my XXXX conversation indeed happened and yet the payment is late. I was told the conversations are recorded so they have this conversation. I confirmed today multiple times that my ach was correct. 

I have also tried to pay this loan today and the system will not allow me to add either bank account. 

I believe I have been discriminated against and subject to a deceptive practice. They have verbally stated and posted that a new auto draft was created to make a payment. How is it that the payment can be late? How is it that I try to go in and make a payment and then the account can not be loaded?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act HAPPY MONEY 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as lateforanypurpose.
Product: Credit reporting or other personal consumer reports

Account # : XXXXXXXX XXXX XXXX Request for Deletion of Unauthorized Late Payment Account from Consumer Report** Dear Experian Consumer Relations, I am writing to formally dispute an unauthorized account that has been continuously reported on my consumer report by your agency. I have previously requested documentation as required by law, but have not received a satisfactory response. According to the law established by Congress, this account should not be included in my consumer report. 

XXXX XXXX : ** Under **15 U.S.C. 1681a ( 2 ) **, the term consumer report does not include information solely regarding transactions or experiences between the consumer and the person making the report. My transactions or experiences with your company are, by law, excluded from my consumer report. Therefore, I request that this unauthorized account be deleted immediately from my report. 

**Late Payment Reporting : ** I further question the legality of reporting a late payment without proper compliance with **15 U.S. Code 1666b**. This statute stipulates that a payment can not be deemed late unless reasonable procedures ensure that each periodic statement, including the information required by **Section 1637 ( b ) **, is mailed or delivered to the consumer at least 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I have made several attempts to remove fraudulent remarks from my credit report, identified between XXXX and XXXX. Despite participating in the dispute process with XXXX, XXXX, and Experian, reaching out to other credit reporting agencies, and contacting the involved companies, I have not succeeded in resolving these unauthorized fraudulent accounts that I did not benefit from. These negative accounts have significantly impacted my quality of life. My data has been compromised twice by the credit bureaus, making me a victim. I am seeking assistance to correct these fraudulent accounts. Thank you.
Product: Payday loan, title loan, or personal loan

I have mariner fianc company which use to personal finance company instalment loan which went to collections. but they are still reporting it and are reporting the balances in correctly. there should not be 3 different balances on 3 different credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/15, a company by the name of XXXX XXXX XXXX XXXX placed a hard inquiry on XXXX credit profile from the requested party : AP Mortgage. I did not give written or verbal authorization to run my credit report at anytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied a credit card for common use and travel reward through XXXX XXXX to XXXX XXXX. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.
Product: Checking or savings account

I been using Credit Karma for the past 2 years to try and help me save money. As of XX/XX/2023, I had a total account balance of XXXX in my savings and spend accounts. However On XX/XX/2023 somebody hacked into my account and transferred all my money from my savings account to the spend account. 5 Fraudulent charges in total were made on the same day, 2 from XXXX for XXXX $ each, XXXX from XXXX XXXX XXXX XXXX $ and XXXX XXXX and 1 from XXXX for XXXX XXXX All from New Hampshire, and I live in Massachusetts and I have submitted a dispute for All these charges. Its been 2 days since, and I have received no information about what happen. Credit Karma has absolutely zero customer service for hacked accounts with disputed charges they refuse to answer any questions regarding the incident. Customer service Rep who I spoke with over the phone said I should receive an email that very day, Which I have still not received. When I try an contact XXXX I get a email immediately saying that my email can not be sent. I have no way to contact credit karma to lock or delete my account. My phone number on the account was changed. I have never withdrawn this big of an amount of money EVER. 
Tomorrow XX/XX/XXXX, I will be filing a police report. I spent 2 whole years saving this money and I trusted Credit Karma, and all of it has been stolen out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this same account on my XXXX file multiple times it is linked to a fraudulent activity being used with my name and social security number. Im resubmitting this information just in case XXXX havent already received my other documentation. Theres also a checking and savings account reporting on my consumer reports for Early Warning and XXXX consumer reports and state on this is in my identity theft report which I will provide a pdf for.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( JPMCB AUTO ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( JPMCB AUTO ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

On XX/XX/2021, I sent IQ Data International a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies. 
I need them to close this account in their office and delete this alleged off my credit report.
Product: Debt collection

This is an UNKNOWN account. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. 

I have contacted your company many times but you have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Account Number : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursaunt 15 USC 1692 ( C ) ( c ) I recently received communication from XXXX XXXX XXXX attempting to collect the above-listed alleged debt. XXXX XXXX XXXX initial communication to me in attempt to collect the alleged debt was within 30 days ago. Equifax : XXXXXXXX XXXX XXXXXXXX : XXXX  Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I requested verification of the alleged debt, specifically, a copy of a contract or agreement which was never provided as requested.
Product: Mortgage

We are in the process with Bank of America to try to save our house from Foreclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner ) ... We finally decided to get lawyer after XXXX attempts with Bank of America went no where ( never received Fax 's, after having proof that they did receive all papers on time, we were denied because they claim they did not receive papers. Well now, we are here today at almost the very same issue with Bank of America ... .We were notified by Bank of America XX/XX/XXXX that in order to apply for Modification we would have to have all papers to them Faxed by XXXX XXXX 2015, which we did ahead of time ... ... now we received letter from XXXX XXXX that they will be handling all concerns regarding this loan as of XXXX XXXX 2015 ... How could this be? and how can it be legal while working with Bank of America, they decide before our original deadline to give over to some other company. I am pleading with you to look into this matter, we want to save our house and will do anything that we need to, but we are not being handled fairly, honestly or justly and this is criminal what this Bank of America is getting away with ... as a matter of fact the original loan came from Country wide, which was toxic in the first place ... .would like someone to look into this matter and help resolve this never ending nightmare ... ... Thank You XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a serious problem with anything that has been posted to my credit, pertaining to Newly Opened account from XX/XX/XXXX until XX/XX/XXXX as I was incarcerated in XXXX County Sheriff 's Department. That being said there is more than one company that is showing up for a collection in that time frame. But it is all public record my friend. You can verify for yourself by calling the XXXX County Sheriff Department. And by law if a man/woman is incarcerated then there shall not be a line of credit given.
Product: Credit card or prepaid card

I called BOA about my Edd unemployment card and they locked it for some reasons I dont know and I called their customer service yesterday and they unlocked it but not quite long trying to get back into my account online access and its still giving the same problem saying my information is invalid and I try using the card it also said it had been restricted I tried calling back few minutes later and Im getting a bad response from them Im unemployed and begging for food on the street because Ive a kid that rely on me Please I hope me laying the complaint can solve my problem because everything is hard for me
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5200.00}, {$1600.00}, {$7700.00}, {$0.00}, {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX  with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Product: Debt collection

My contract was with XXXX. Not the financial service company trying to charge me more after Ive already paid off. Which shortly after obtaining the loan they switched payment methods to XXXX XXXX Monterey financial services . Theyve called me at work when Ive asked not to do so. After XXXX and after all of that I paid the full payoff amount XX/XX/XXXX with my taxes. This month they have tried to charge my account and say I still owe {$140.00} which I do not. When I submitted the payment my payoff had a XXXX dollar balance. Now they are trying to intimidate me by saying a few negative reviews is nothing compared to their XXXX years of service. I have the screenshots.
Product: Money transfer, virtual currency, or money service

I sent money through Zelle and I was thinking it was going to the right person monthly and it wasnt. It was my rent. It was going to a fraudulent person and my bank said oh well basically.
Product: Credit card

I used a Barclaycard 0 % interest convenience check to pay off a balance from my XXXX card. I followed all the rules regarding the offer, however Barclay 's charged {$230.00} balance transfer fee, and then charged {$370.00} in interest charges. The offer was 0 % interest until XX/XX/. Barclay 's refused to refund me the interest charged plus the 4 % balance transfer fee I was assessed.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to severe XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 

XXXX. This late payment status is irrelevant XXXX XXXXXXXX XXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of XXXX XXXX XXXX XXXX XXXX, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within XXXX  days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I did not authorize : XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX   XXXX XX/XX/XXXX XXXX/XXXX XXXXXXXX XX/XX/XXXX XXXX/XXXX- XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Calls were made to credit bureaus and customer service would not address incorrect information Unverified accounts : XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX  {$420.00}
Product: Credit card

I have an airline Bank of America credit card. I set up a special automatic payment on XX/XX/2024 of {$560.00} for XXXX and {$560.00} for XXXX of XXXX. I also made an additional payment on XX/XX/2024 of {$450.00} for XXXX and {$450.00} for XXXX. However, Bank of America credited the {$900.00} to my XXXX. Statement. I received a letter from Bank of America dated XX/XX/2024 stating that my automatic payments would continue until XX/XX/2024. Not true, this is a human error or an error of their Automatic payment system. 
As a result of their cancelation of my automatic payments for XXXX and XXXX the matter was handed over to all three credit Bureau agencies and my XXXX XXXX XXXX  score went from XXXX to XXXX!! 
On XX/XX/2024 I made an appointment with an accounts manager in XXXX XXXX XXXX. He read my letter of XX/XX/2024 and I spoke with a man named XXXX. This man demanded my respect. He wouldn't let me state the problem. I was put on hold numerous times while he tried to figure out what he called the " puzzle ''. I was finally informed by XXXX that I had canceled the automatic payments for XXXX and XXXX!!! 
I told him that was false and that Bank of America had to show me or hear proof of my cancelation of XXXX & XXXX automatic payments. 
He did everything necessary to achieve what he wanted, to falsify my facts and in so many words call me a liar. 
I felt sick by the time I ended my conversation with him ; it was the most frustrating and exhausting experience. 
I was also told that " I was not the right fit for their bank ''. I was appalled that was said to me after having the Airline Credit Card for over 30 years! WITH THAT STATEMENT I WILL PAY OFF THE CREDIT CARD AND NEVER SET FOOT IN BANK OF AMERICA AGAIN. I am requesting that Consumer Financial Protection Agency help me. WHAT I WANT AND NEED IS FOR BANK OF AMERICA REMOVE MY NEGATIVE CREDIT FROM ALL THREE CREDIT BUREAU AND REINSTATE MY PREVIOUS CREDIT SCORES.
Product: Credit reporting or other personal consumer reports

I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation 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 ( XXXX XXXX XXXX XXXX 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 investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.