23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation to under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit Standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Consumer Loan

I am owed a refund for a " Gap Insurance '' that was attached to my auto loan. I cancelled the policy in XX/XX/XXXX. The reimbursement process was that the dealership provide paperwork to the underwriter, the underwriter would issue a check for the unused portion of the policy to the lending institution, the lending institution would then forward that pro-rated refund to me. Steps A and B went quickly and smoothly. Step C ( delivery of my refund ) has been almost 3 months of aggravation in the form of unreturned phone calls, customer service reps with no backing from supervisors, XXXX checks " lost in the mail, '' and now, today a promise of a Thursday XX/XX/XXXX delivery to my work office via XXXX. If the situation had been reversed, I expect they would have garnished my wages by now!
Product: Debt collection

I Contacted ERC ( Enhanced Recovery Company ) Asked for a debt validation request some me i own the debt. All I received was a screenshot of a bill I know nothing about. I asked them to provided me something in written saying I own or signed up for this debt and they could prove nothing. This debt need to be removed from my credit ERC nor XXXX  could provide me with anything In written with signature Stating I Own or agreed to this debt.
Product: Prepaid card

My money was stolen from my card I don't know how it who did it but I have seen on internet that this had happen more that once. I bought a XXXX gift card at a XXXX XXXX XXXX XXXX and my card was stolen not physically but somehow it was hacked into and was used all the way in XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the first purchase was that a XXXX XXXX XXXX XXXX {$30.00} the second one was for a purchase of {$9.00} now how did this happen I got the card on XX/XX/XXXX and the card was used by XX/XX/XXXX and this gift card I was actually trying to purchase a gift for my friend I contacted the people at the prepaid gift card balance number and for some reason they told me to call back in 10 days and yet even still now there's no resolution for no refund and it's only {$40.00}
Product: Credit reporting or other personal consumer reports

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Product: Prepaid card

Everything was fine until they had an update. Update still going when they said it was only suppose to last 5 hours. U ca n't get into your account, ca n't get anyone on the phone or it hangs up on you, if you had a balance before the update the balance now shows XXXX, direct deposits are not going into the accounts either. They are not responding to emails. The only updates you see is on social media, they are not telling the customers themselves.
Product: Bank account or service

I deposited a check at a Wells Fargo ATM and the ATM gave me a message that the check balance will be available the next day. I get a email from Wells Fargo 2 days later that the balance will not be available until the end of next week. I contacted the issuing bank and the funds had already been withdrawn. I contacted Wells Fargo and there answer was " that as a customer I was rolling the dice when I deposit a check ''. This is a crazy response!
Product: Credit reporting or other personal consumer reports

I ask that you treat this complaint with the seriousness it deserves. My credit report includes mixed and inaccurate information, such as accounts, transactions, and items that are not mine and with which I have no association. This issue is deeply troubling and has caused me significant stress and anxiety, as it directly impacts my financial stability and personal peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.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 companies non XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Mississippi d I v of c XXXX x x Get it now XXXX Get it now XXXX Get it now XXXX XXXX XXXX XXXX  and XXXX & XXXX XXXX XXXX miscellaneous and public record professional XXXX placements XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX WI XXXX XXXX XXXX info miscellaneous public XXXX XXXX collection account XXXX Account XXXX ... XXXX... XXXX personal loan company Premium credit bureau miscellaneous r e p t g. agencies ... XXXXThese are all collections
Product: Debt collection

I have received a lawsuit and a threat to garnishee my wages. I have not heard of this company. I have had no idea who these guys are. None of my records from my credit report match the amount shown on the paperwork I have received. I attempted to contact the lawyer they took my case to and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a CFPB complaint was opened against National Credit Adjusters regarding a clear failure to properly notify the consumer Of a debt. 
This complaint number in reference is : XXXX In the companies response they provided a false and misleading statement when referencing the account ( s ) in dispute. 
They have reported and continue to report this information in a negative file to the 3 major credit bureaus. 
They have failed to properly comply with the disputed filed through the credit bureaus They have stated in response to the complaint filed with CFPB that they are not reporting this information to the credit bureaus which is clearly an erroneous statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX
Product: Debt collection

Complaint : Debt Collection Practices Date : XX/XX/2024 I am submitting this complaint against Kramer and Frank PC, a debt collection law firm, for their violations of the Fair Debt Collection Practices Act ( FDCPA ) in their attempts to collect a debt from me. 

Account Information : File number : XXXX Account holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX Violations : - Failure to verify debt : Despite my two dispute letters, Kramer and Frank PC has failed to provide any documentation to validate the debt, including the original contract and proof of my signature. 
- Ignoring disputes : The company has ignored my two dispute letters, failing to respond or acknowledge my concerns. 
- Threats of legal action : Kramer and Frank PC has threatened to sue me without proper validation of the debt, which is a violation of the FDCPA. 

I have requested that the company : - Verify the debt by providing documentation - Provide a detailed accounting of the debt - Cease any further collection activities until the matter is resolved However, they have failed to respond or take any action to resolve this matter. 

I believe that Kramer and Frank PC 's actions are in violation of the FDCPA and request that the CFPB take appropriate action to hold them accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!
Product: Mortgage

as of today  XX/XX/XXXX  I had to file chapter  XXXX , this is been on going now for the past 10 months  XX/XX/XXXX  and shellpoint mortgage trying to get a modification loan and have sent unless papers for a lower payment and a lower interest rate we are in an arm of 9 % now and will go higher and payment of   XXXX   per month on a  XXXX  home WHY and so sorry cant qualified for try again so buys them more time to foreclosure to kick us out I had told them over and over we DONT wont to loss OUR HOME we worked hard for for the past 16 years of living there brought in renters and so sorry cant get you a loan WHY this is our American dream being taken for us and no help for us PLEASE STOP THIS FOR HAPPENING AND HELP!!!!! THANK YOU!!!!!! Shellpoint mortgage are heartless and GREEDY SAY AWAY FROM THEM!! also we have been working with HUD to get answer when you try to go to get a refinance they also asked have you tried with your lender first that 's what we have been doing no help!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of XXXX. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.
Product: Credit card

on XXXX/XXXX/2015, I contacted American Express and tried to resolve of issue. But I could n't american Express has pulled my credit report without my consent. This company has engaged in fraud and indentity theft. I did not give this company the right to pull my credit report. When I called the fraud department on XXXX/XXXX/2015, i was hanged up on phone, and it was almost like the rep, did n't want me to talk to the fraud department. What american express suppose to do is send me a fraud affavadit in the mail. but the company still refuses to so. American Express is asking for too much additional information, just to conver their end. They are also reporting accurate information on my credit report. This company is a scam. They wouldnt listen, so decided to file a compliant.
Product: Debt collection

Collectors called family members and people I no longer have contact with. Threatening tone. Would not give me any information about this so called debt, and kept telling me that I needed to pay. This debt is not legitimate, and all these collectors did was try to embarrass me by contacting my family and old friends, making it sound like I had a warrant on the run.
Product: Credit card or prepaid card

Wells Fargo opened a business credit card with the intent for me to use it as over draft protection. Wells Fargo didnt not tell me that they would be sending me a CC to my home or that I had a available balance of XXXX. I was under the ussumption that it was for over draft protection. I got the card, I used the card and payed on the card for over 1 year until I found out the interest rate on the card was over 25 %. I submitted for a lower rate and was declined. I couldnt afford to pay the monthly payment on the card and now the withdrew money from my personal acct even though I am going through mediation. Wells Fargo is a scam bank that doesnt treat there customers with respect and regard. I also did not sign for the card issued.
Product: Bank account or service

I checked my bank account and I realized that this company XXXX XXXX, Ca were taking money from my account in the months of XXXX and XXXX. maybe XXXX or three transactions a day. So I filed a claim with my bank to retrieve my money, but by me looking at my account and noticing these unauthorized transactions two months later the claim was over 60 days date of statement starting in XXXX so my bank is not responsible for those unauthorized transaction.
Product: Credit card or prepaid card

On  XXXX   XXXX ,    2017  under the guise of " 0 % APR for 12 months '' I applied and was accepted for a credit card with Navy Federal Credit Union. I was doing a balance transfer to avoid paying interest for 12 months from another bank. To be clear, there is no reason I would have ever applied for this card had I been informed that I would be paying interest right from the start at an even higher rate than the credit issuer I was transferring from. I was mislead by a representative over the phone and by dubious and unclear marketing materials that were on their website. I have tried to resolve the issue with them but they have said that unless I have the promotional code, there is nothing they can do.     Here is a link that I found which was exactly what I was expecting the terms of the credit card to be.     https : //www.navyfederal.org/srenlisted/includes/SROcreditCards.php
Product: Checking or savings account

I ordered several items from XXXX, once they arrived I decided I did not want the items anymore. So I created a return with XXXX. I returned all the items, I have an email saying the carrier received the items and that they were going to refund me. In XXXX my account was drained of all the money it had plus more. I reported my debit card lost in XXXX, yet Bank of America decided to let XXXX charge for the items they had received. I have sent proof to Bank of America that XXXX carrier received the items. I am attaching proof that I have been dealing with BOA for over a month. My account is in the negative and yet they also continue to charge me their fees. Please help as this is a clear case of big corps targeting regular citizens for their gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX. I already disputed the account from them, named XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under Equifax and XXXX. However, on my updated credit reports dated XX/XX/XXXX, it appears to have been added again under the same name XXXX XXXX XXXX & is being reported negative but with different account numbers ( in Equifax it shows XXXX & in XXXX it's XXXX ) which resembles the same account number from the first one I mentioned above that I disputed and was deleted before ( XXXX XXXX XXXX XXXX ). I want this to be removed as it is very illegal to add on removed fraudulent accounts. When I spoke to them, they told me I was making a good financial investment and enticed me saying it has some tax benefits similar to owning a second home. During the presentation there was definitely pressure to sign up that day, 1 ) special pricing only applied to moment in time, once I left, price would go up, 2 ) they spoke about how XXXX was joining the suite of resorts and one negotiation complete the price would go up exponentially. They made it sound like a bonus that ownership passed to my heirs. I later found out that there would be no way for my eldest to refuse unless he refused the estate, this is a huge liability as my son & daughter are both XXXX XXXX and would not have means to pay maintenance fees or travel expenses to destinations. This forced liability was not disclosed properly. I've had difficulties with this such as in the first year, my maintenance fees were due in XXXX and then again in XXXX, this was a definite hardship. Also they advertised this as ownership similar to owning a him and there would be tax advantages but upon preparing my tax return, I learned that this was not the case. All I got from this timeshare are difficulties, I have XXXX/XXXX, XXXX XXXX  and having this timeshare just adds up to the stress & hardships. I'm also worried about the well-being of my XXXX XXXX XXXX children to be burdened with the forced inheritance of this agreement as per abovementioned. I've had the worst experience with this timeshare, finding out all the inconsistencies as time went on, the financial misrepresentations are infuriating, couple all of that with covid and there being only 2 locations in the continental US that I could have possibly utilized in XXXX and growing uncertainty if future ability to travel via airplane, it is a moot point to continue. They lied, they withheld important information & given my age ( XXXX ) at the time, I was simply defrauded & taken advantage of.
Product: Debt collection

They have been adding extra fees for attorney 's and court cost. I owed {$2000.00} but that has increased because of the people they send to harass me and my family by leaving notices taped to my front door and also, approaching my daughter when she is heading into work.I am shocked that they can go this far to collect old debit that goes back to 2016. I did settled with one of the card company 's but now I'm receiving lawsuits left and right from others.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX 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