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

I have a fiancee in the XXXX  and we had planned to marry in the first of 2024. I send her a small amount of money for her to buy the tickets and other things we will need for the marriage. 

For some reason when I try to send money using Moneygram or any other company such as XXXX XXXX i am no longer aloud to use the service. I am a person who obeys all laws that I know about and I want to fix whatever is in the system that is prohibiting me from sending money. Sending the money is not that important but if I am not incompliance with some law or rule I want to fix the issue. The reason is that I am presently preparing a passport and she is working on a XXXX. If I have broken a law are if I am not in compliance with the rules for transferring money, I would like to be advised so that I may correct my fault. 

I really would appreciate your help in fixing this, I am XXXXXXXX XXXX XXXX and I want to enjoy what life I have left, as well as possible. Thanks again for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several times disputed an account that i noticed at the start of XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having XXXX, XXXX, and experian remove this from my report as soon as possible.
Product: Debt collection

No date, no company name just a number to call to settle an outstanding debt I do not owe. No reference to which company I owe the so call debt to. It seems like they grouped the big credit card companies and came up with an amount they think I owe. Then stated if I don't call I will accrue monthly interest on my unsecured credit card balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I mailed letters disputing inaccurate or unknown things on my credit report.I feel like I am being taken advantage of and ignored on my disputes. Section 611 a of the fair credit reporting states that a failure to remove items within thirty days of an actual dispute without verifying the information or notifying the dispute holder is against its by laws. original documents have not been shown as request to verify negative accounts one my report such as the original contracts I allegedly signed. Stating these facts these inaccurate items on my credit report should be deleted immediately off my report, or I will file litigation based off the sever stress and damage this has cause me. I would liked for it also to be noted that my report has been compromised from the data breach caused by Equifax, and my personal information may have gotten in the hands of the wrong persons.
Product: Credit card or prepaid card

Best buy Citi Bank is retaliating against me due to my XXXX  and social security income. 

As stated in there letter I'm not receiving any Billings. 

Due to my XXXX and social security income. 

I disagree with Citibank regarding the balance on the account. In addition I have requested a dispute regarding the transaction under Fair Credit Billing Act in XXXX regarding the transaction. Citi best buy took no action because of the coronavirus. 

The transaction is not valid and Citi Bank has refused to conduct an investigation under the Fair Credit Billing Act. 

This is a discrimination against Rev. XXXX XXXX XXXX due to his XXXX and social security income. 

The transaction they are trying to collect was never received or made by me. The transaction was dispute with Citibank along with another fraudulent transaction. 

Please remove any negative report from my credit report regarding this account. 

The transaction is not valid. Citi Bank is refusing to proceed with arbitration under the term and conditions.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation in regards to the reporting of some accounts listed on my credit report to all three credit bureaus. On XX/XX/2020, I provided proof that 3 out of the 6 accounts were deemed unverifiable by XXXX, therefore were deleted from my credit report, I proceeded with issuing a follow suit letter to the remaining 2 credit bureaus that somehow were " able to verify '' such accounts. On XX/XX/2020, I received in the mail on behalf of one of the companies in which XXXX  deemed unverifiable requesting additional information in order to conduct an investigation and yet 2 days later, I received a letter on behalf of Experian indicating that the accounts in question were deemed verified on their behalf. How is this possible when I am being asked to verify my own information when it should be the responsibility of the credit bureau to verify that the correct information is being reported? 

On XX/XX/2020, I sent out a method of verification, again, requesting for the method of validation on these accounts to be provided to me and yet I am still waiting on these documents to be provided to me as I continue to received nothing but " verified as accurate '' as a response to my request. What exactly is accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has many errors from addresses I did t reside on or never lived on, names I legally dont use to unauthorized credit inquiries with my consent even though my credit file must be frozen since last year. I have placed security freeze and fraud alerts, but somehow, unverified inquiries continue to be on my profile. I have reached out but no resolution from the bureau and others. I have been ignored and my credit had suffered unfairly. Please have them review my file and fix errors from wrong addresses, wrong employers to many illegal aliases and unauthorized inquiries. 

Thank you. 

XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check around XXXX for XXXX. **from the irs for back taxes that they owed me and i was told they wanted to close out my account because i was a bad client and that they would mail my funds to me with a letter stating why they closed my account with it. I received a letter on XXXX saying everything would be handled by the XXXX and i would have my funds. No check was in the envelope. I have called 65 times only 2 reach only 2 managers and when asking them what is going on with my funds the only answer i would receive id I do not know. I got hung up on several times.I would like my funds from Suntrust Bank/ truist
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX Collection {$0.00}
Product: Debt collection

My debt is rental debt from an apartment complex for XXXX XXXX at XXXX XXXX. I called the company IQ data international inc. to inquire on repayment plan to repay the money owed. The account manager of my account was extremely rude. He was threatening me harshly which violated the fdcpa law with the false actuations and vulgar language. He then put me into a status of refused to pay which isnt true. All this just because he did not want to work with me. I was extremely calm and polite thought all the verbal abuse from the debt collector. He then he disconnected the call. I called back trying to resolve my case and get on a payment plan to repay the debt. They offered me onto a payment plan of XXXX $ a month for 6 months. No other options where available. I know they do not have to be super nice, but I would like for my call to be pulled and manager reviewed for the way that I was treated. Thank you for your time.
Product: Payday loan, title loan, or personal loan

I am writing to file a formal complaint against AMERINAT- Loan Servicing company for and XXXX  XXXX regarding their treatment of me as a borrower. I believe that AMERINAT and XXXX has engaged in several practices that are unfair, deceptive, or otherwise illegal. 
I'm a XXXX XXXX XXXX XXXX XXXX  and my medallion loan was transferred by my original lender to XXXX and Amerinat - Loan servicing company. 
Firstly, when the COVID-19 pandemic hit, the lender contacted me over the phone /email and offered a modified payment plan that allowed me to make reduced payments for a period of time. However, on XX/XX/2023, statement, I discovered that the modified payment plan has caused my loan to mature earlier than originally scheduled. The lender did not adequately inform me of the impact that the modified payment plan would have on the maturity date of my loan and did mail the XXXX bill on time. As a result of the short notice, I had to borrow money from private individuals at a high interest rate in order to pay off the loan and the closing costs. This has put me in a difficult financial position. 
Secondly, AMERINAT overcharged me for closing costs associated with my loan. I believe that these fees are excessive and do not accurately reflect the actual costs associated with the loan. I have attempted to resolve this issue. 
but have not receive a satisfactory explanation for the closing cost. I received. 
a statement that the lender had reallocated my principal and interest. 
payments for prior years in a manner that is not in line with the terms of the loan agreement. Specifically, a greater percentage of my payments was. 
reallocated towards interest than principal. This reallocation of payments is a violation of my rights as a borrower. 
I would also appreciate any assistance that the department can provide in resolving these issues with the lender. As a borrower, I expect to be treated fairly and with transparency, and I do not believe that Amerinat has lived up to these expectations. 
Thank you for your attention to this matter. I look forward to hearing back from you soon.
Product: Credit reporting or other personal consumer reports

Subject : Complaint of Fraudulent Activity and Identity Theft I am writing to file a formal complaint regarding a distressing incident of fraud and identity theft that I have recently experienced. This fraudulent activity has caused significant harm to my financial well-being and personal life.

I encountered an individual who posed as an online seller offering a machine for sale. Under the guise of a legitimate transaction, this individual maliciously obtained my personal information without my consent. Subsequently, they used this stolen information to fraudulently apply for credit in my name, with the intention of funding the purchase of the machine.

To provide a brief overview of the incident : Initial Contact : I initially made contact with the individual, who presented themselves as a legitimate online seller offering a machine for sale. At no point did I authorize the use of my personal information for any purposes other than the intended purchase.

Identity Theft : The individual, however, misused my personal information, including my name, address, and financial details, to apply for credit without my consent. This act constitutes identity theft and a clear violation of my privacy and financial security.

Non-Delivery of Product : Despite the credit being approved, I never received the promised product. It became evident that the entire transaction was fraudulent, and the individual responsible for this scam has since disappeared, making it impossible to hold them accountable. 

Harassment from XXXX XXXX  : As a result of the fraudulent credit application, I have been subjected to harassment and undue pressure from XXXX XXXX, the credit card company involved. This situation has added to my distress and has had a profoundly negative impact on my life. 

The implications of this fraud and identity theft have been devastating. My credit profile has been tarnished due to the fraudulent credit application, and the associated consequences have led to significant suffering and hardship. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate actions to address the fraudulent activity and identity theft. Additionally, I urge the FTC to work with relevant authorities to locate and apprehend the individual responsible for this. 
My primary goal is to have the fraudulent credit report removed from my profile and to see the responsible party brought to justice. 

Thank you for your prompt attention to this matter. I eagerly await your response and any guidance you can provide on how to resolve this distressing situation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had XXXX XXXX deposits going into my account and the money was not reflecting the amount that was going in and I was paying extra money to have it instant deposit but instead they were having my transactions pending instead of doing the instant deposit also they were holding my charge back. I saw it that the people put the money in my account that morning, look back at it later on and it was taken out and the bank told me that it was the company but the company said that they put the money in my account and also gave me a confirmation number, The bank kept lying to me only the story would change when I tell them I had proof and showed them that I have screenshots of how the money was deposited through online banking. Also my balance is not reflecting the correct amount. The money was deposited but the balance never changed. Spoke with a supervisor and received the same story.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see in my report 30 inquires I never apply for these lender non have my signature I try to contact XXXX XXXX to remove the inquires they refuse they said I need to contact all the lender and I try to dispute item in my report the never respond to me and it been over 2 month
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXXXXXX Balance Owed : {$810.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed XXXX {$7600.00} XXXX XXXX XXXXXXXX Balance Owed : {$5500.00}
Product: Debt collection

I send a two certified letters requesting Validation of this account. First letter XXXX XXXX, 2019, No response. To Whom It May Concern:This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau{s}, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g  Sec. 809 {b} that your claim is disputed and validation is requested.This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.  I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:•	What the money you say I owe is for:•	Provide me with copies of any papers that show I agreed to pay what you say I owe.•	Identify the original creditor:•	Show me that you are licensed to collect in my state: California•	Provide me with your license numbers and Registered Agent or Agent of Service: If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information.Best Regards,XXXX XXXX. XXXX
Product: Checking or savings account

Regarding complaint XXXX, I am writing to formally request that Citi expedite the process of sending me all the funds from my now-closed Citi Regular Checking account XXXX along with the {$450.00} welcome bonus that I have already earned, together in a single check. While I was informed it would take 30 to 60 days for the check to be processed and sent, this delay is unacceptable. 

I want to emphasize that I have committed no banking violation, and my account was closed without a valid reason. I request that my money be returned to me immediately. The extended waiting period has caused significant inconvenience, and I need access to my funds urgently. 

Please take immediate action to ensure the check is sent without further delay and resolve this matter as soon as possible.
Product: Payday loan, title loan, or personal loan

They are the financier of our XXXX XXXX  XXXX, XXXX. XXXX never finished the installation that was contracted. They paid XXXX in full without any verification of completion of the project. XXXX filed XXXX  XXXX a month after they were paid. I have been stuck with a solar system was never completely finished! The work from XXXX was not professionally or competently done. I have been left in a position to finish the project myself. Lost also was the bumper to bumper 25 year warranty XXXX provided. I wonder if those involved with XXXX also have financial interests with sunlight financial which allowed them to take the money and run
Product: Credit reporting

Hello, I purchased a automobile in XXXX 2015. I instructed the dealer to ONLY run XXXX report ... Later, XXXX or more showed hard inquiries showed up on my XXXX credit reports. I called each company and asked them to remove ... No Luck ... On XXXX XXXX, i called XXXX and they convinced me to sign up with them and i told them i would, but i did not wanted a soft or hard report ran on my current loan. 
I told them i just wanted to compare rates, nothing else .... Later that day, i began receiving Multiple email offers and phone calls ... I contacted XXXX XXXX and complained. 
The emails and phone calls continued for 2 days ... i am now getting mail from a few of the companies that were calling. i checked my credit report later that week and discovered XXXX new injuries ... i called Leading tree and all of the companies that did the hard injuries and asked them to remove these inquires. I did not authorize any inquires in XXXX and i only authorized XXXX in XXXX of Last Year. I would like these inquires removed. I have disputed these over and over.. i am getting no where.