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

On XX/XX/2022, I mailed you a letter disputing XXXX accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting

Unable to complete dispute on Transunion site. Credit card charge off is not mine and I did not apply for it. It belonged to ex spouse and is part of her bankruptcy claim.
Product: Debt collection

On XXXX XX/XX/XXXX, Radius Global Solutions LLC emailed me a XXXX letter on behalf of XXXX XXXX XXXX to collect {$470.00} for an unpaid wireless service. However, since the debt occurred as a direct result of identity theft XXXXXXXX XXXX XXXX XXXX the debt and removed it from my all credit files in XXXX. Radius Global Solutions reinserted the debt on XXXX XX/XX/XXXX and contacted me again by email about it in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. To add insult to injury, Radius Global Solutions, LLC retrieved my personal and credit information without my knowledge and consent by ill gotten means in order to sell it to unknown third parties. Radius Global Solutions is on a consumer protection watchdog list for its notorious practices for data mining and selling personal data on the dark web.
Product: Money transfers

I have been doing business with Western Union for more than ten years and on the XXXX of XXXX 2016, I received a shocking news of my life. I sent money to my cousin in XXXX with an agent in my neighborhood at about XXXX. I was told by the cashier that she will put it on hold because I need to call this number XXXX to answer questions from Western Union customer service. When I got home at about XXXX I called the number from my home phone and answered few questions, the customer service representative assured me that she was going to release the money. I called my cousin at about XXXX Eastern Time and XXXX XXXX time to give her the TRACKING NUMBER. At about XXXX I had a call from my cousin, she was at the bank and the Bank said the money has not been released and the tracking number is not available. I immediately went over the tracking number with her and it was correct, I then called Western Union, the customer service representative told me that it has been picked up by the receiver. Western Union gave me the pick up time at XXXX ( XXXX Time ) a city in XXXX I said I am on the phone with my cousin the receiver, she was told the money has not been released and the tracking number is not available. I was devastated as well as furious. I have been given the run around, various representatives told me the case is being investigated and will call me from 24 to 48 hours Now the investigation is going to take 90 days. No one has called me, I have called more than eight times and spoke to representatives from all over the world. 
I need my money as soon as possible, I am a valuable customer for all these years. This is not a credible business practice, I am supposed to get my money back and not wait after an investigation, because proper protocol was not followed. No one knew the tracking number only Western Union, my cousin and myself, meanwhile both of us do not have the money. So if the money was picked up before the receiver got to the bank whose fault is it. I need answers as to what happened to the money and want my money back. 
On the XXXX day I called Western Union and I was told the case is closed, because picked up the money. I told them that is not possible and I need proof. I have spoken to three different people the latest person was on XXXX XXXX. This representative told me to go to the local precinct and obtain a subpoena and submit it to someone at the Western Union office. When I went to the precinct and told them my issue the detective told me they do not handle such cases. I tried to call the number that was given to me to submit the subpoena to ask questions. When I called the phone number, I had a recorded message asking for the XXXX digit extension, but I was only given XXXX digits. There so many inconsistencies and i just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX OF XXXX Inquired on XX/XX/2022 __________________________ XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX __________________________ Equifax XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-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

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Accounts # XXXX, XXXX, XXXX, Bank of America account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry XXXX XX/XX/XXXX ( XXXX didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) 6XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX XXXXnquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these XXXX and XXXX am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX )
Product: Debt collection

Have sent a letter and three emails asking for validation of this debt. Asked for signed contract and proof they legally had right to collect debt, along with bill of sale. Have not received any of the aforementioned documentation. The only item that was mailed in response to my request was a two sentence letter advising how much interested has accrued. No proof of the account has been supplied what so ever. Informed company on my third request that I would be reporting them if continued collection efforts without supplying documentation, I received another collection letter yesterday, still no documentation.
Product: Checking or savings account

Dear CFPB, I wish to advise you that Wells Fargo Bank has closed my accounts without my knowledge. To my dismay, after 39 years doing banking business, they have ruined my accounts and have created XXXX XXXX frustration and financial penalties due to their Illegal actions. I say they are illegal as the CFPB recently fined Wells Fargo Bank {$3.00} Billion for this exact issue I am dealing with. 
What occurred : I was in a high value arbitration for 21 months. An award was issued to me in this case and a wire was sent to my Wells Fargo Banking account with this money on XX/XX/XXXX. The funds arrived and I began using these funds to catch up on bill payments that needed payment. Everything was fine until the morning of XX/XX/XXXX when I received 3 separate emails from Wells Fargo stating that my account were closing on XX/XX/XXXX. 
Four phone calls on this day bared no answers as to " Why '' my accounts were closed other than they representative at Wells claimed that my finds received were unauthorized. Another phone call on XX/XX/XXXX also was unsuccessful getting answers regarding the closure of my accounts. 
I have since opened accounts with XXXX XXXX  in hopes to get my money out of Wells Fargo Bank due to their illegal, unethical and disturbing actions I have experienced. Their actions have caused XXXX  XXXX  stress, XXXX XXXX  XXXX XXXX and have made me sick. Wells  has been fined but still has not corrected the system that is in place they were fined to fix. I hope that the CFPB can assist me in cleaning up this mess I am in with Wells Fargo to get on with my life. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my account and I noticed these fraudulent activities and I wanted to report them so that they may be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this Creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says have the right to Privacy. 15 U.S.C 1681 section 604 A section 1 t also states a consumer reporting agency can not furnish an account without instruction. Under U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

In XX/XX/2020 I pulled my credit reports from the bureaus and they contained innacurate personal information and social security number variations that did not belong to me. I contacted all bureaus to confirm security freeze on my files and update my personal information and dispute all inaccurate information. I disputed a Company MIDLAND CREDIT MANAGEMENT INC for {$2000.00} ( original creditor XXXX XXXXXXXX credit card ). After sending dispute to both Midland and the original creditor, XX/XX/2020 I recieved a letter from XXXXXXXX XXXX that they recieved my dispute and attached a document. The document attached was a letter from the original crditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to MIDLAND CREDIT MANAGEMENT INC. XX/XX/XXXX, I sent a second written request to MIDLAND CREDIT MANAGEMENTINC for validation of the debt requesting original signed contracts and an agreement from me that consented to the sale of this debt and any contracts connecting me to this debt. I recieved no response. I continued to recieve harrasing phone calls several times a day from various numbers to my cellular phone from MIDLAND CREDIT MANAGEMENT INC and at my place of employment even after the request to cease and desist was included in dispute letter # 1 and 2.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit report. A previously disputed collection account has reappeared on my credit report, and I would like to address this matter promptly. 

XXXXXXXX XXXX I original creditor XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian The collection account in question was previously disputed, and after a thorough investigation, it was removed from my credit report. However, I recently obtained a copy of my credit report and was dismayed to find that the same collection account has resurfaced, negatively impacting my credit score. 
I kindly request that you investigate this matter once again and provide me with a detailed explanation of why this collection account has reappeared on my credit report, despite our previous dispute. If any new information or documentation has become available, I would appreciate your sharing it with me. 
I would also like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for XXXX or Experian to furnish this account information. I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681.
Product: Vehicle loan or lease

i had a backrupcy that was final earlier this year and kept my car. i am making all payments, always have on time. My account has been taken off my credit report and showing nothing at all now, and this is not fair since i have been making all my payments on time and trying to rebuild my credit. I have reafirmed my loan with the court for my loan, and have talked with santander and they wont report my loan payments. this is not fair to me as ia m trying to rebuild my self and get back on track.
Product: Debt collection

On XX/XX/2023 I sent a letter to XXXX  on XXXX XXXX in XXXX, Georgia and to National Credit Systems ( a collection agency ) asking them to validate the alleged debt on my credit report by producing the original contract with a wet ink signature. I sent the letters on XX/XX/2023 via certified mail and gave them 10 days to respond. On XX/XX/2023, National Credit systems sent a letter, non-certified ( which I received on XX/XX/2023 ), stating that their client ( XXXX on XXXX XXXX ) authorized them to extend a special opportunity for a " 50 % debt discount '' offer in which they offered 50 % off the alleged debt if it were to be paid by XX/XX/2023. Neither XXXX  on XXXX XXXX or the debt collector National Credit Systems provided the original contract with wet ink signature nor was the alleged debt validated in any way shape or form.
Product: Debt collection

I was unaware of this account. I never got a letter, notice, call or anything. I need to apply for a loan and saw it on my credit. I have contacted this company multiple tines, attempting to get information. I can't get a reply. I faxed the company on XX/XX/XXXX - since then COVID 19 has made life hard and my credit is still being hurt by this account. Even though they wont respond to me they have verified this account as accurate and it is still on my XXXX  report. They keep updating every month - it was just updated XX/XX/2020! This is ruining my life and I want it removed from the credit reports .I pay my bills. I would not ruin my credit over something less than {$200.00}.
Product: Credit card

I am writing to you because I have no other alternative. I can not stand for my rights to continue being violated by Discover Bank. 

The root of the situation is that Discover Bank is reporting my credit card opened on XXXX XXXX, 2011 as Status - Account included in Bankruptcy. THIS ACCOUNT WAS NEVER INCLUDED IN BANKRUPTCY. 

The Chapter XXXX bankruptcy that I filed was a business bankruptcy and the discharge did not include any of my personal accounts. 

The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag, because they say that it was reported to them by Discover Bank. 

I have provided documentation to Discover for over a year, just to fall on deaf ears and not have any of my calls returned. 

Discover has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience, I feel like I have been maliciously violated and deeply wounded by Discover. 

Having this mortgage incorrectly say that it was included in bankruptcy is stopping me from getting a small business loan needed for my business to operate. This is like pouring salt into the wound. 

I am begging you to demand that Discover Bank send me a letter of apology for these violations of my Civil Rights. 

Additionally, please have them immediately remove any reference to Status - " Included in bankruptcy '' from my consumer credit files with XXXX, XXXX, XXXX and XXXX credit bureaus. 

Thank you VERY much for existing to help the " little guy '' in this world. I very much wish that there were more of you.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a Dispute on XXXX website with JPMCB ( JPMorgan Credit ) whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX  in a Federal Prison, and still am until XX/XX/XXXX. I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico where I notified them of the crimes against me. Further, I included the XXXX XXXX documents from First Judicial District Court in XXXX XXXX, NM where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was XXXX and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. JPMCB and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my imprisonment date. While XXXX, all my accounts were assigned to the address in New Mexico of the perpetrators of theft against me ; this is fraudulent, as I never lived in New Mexico. I have always been a citizen of Texas ( except for 4 years I spent in a Louisiana prison during this term of XXXX ) and can clearly show this fact. Further, I am protected by the laws of Texas and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.
Product: Mortgage

I closed on my house XX/XX/year>. I was told that I will have an HOA. The monthly amount will be {$100.00} and once more people move into the community the fee will slightly go up. After a year of owning my home and paying the monthly HOA fee. I received an email stating I will have to pay another HOA called XXXX XXXX XXXX, XXXX. This HOA said I had to pay XXXX XXXX  each year. No one told me this during/prior to closing that I will have to pay two HOAs one monthly and one yearly. I moved to a golf course community and now its temporarily closed down and I still have to pay dues. I was also misled to believe I was signing something pertaining to Maryland First Time Homebuyer but it does not state anything about being a first time home buyer but disclose that I will have to pay XXXX XXXX XXXX.