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 : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

A person named " XXXX '' stated he was calling from " ANR Recovery '' and that I owed a debt in the amount of {$500.00} to " XXXX XXXX XXXX XXXX '' due to an outstanding payday loan taken in 2016. ( Did not happen ) He also said his company is called XXXX XXXX. He said that he mailed me verification of the debt 90 days ago and since I didn't respond, he is now calling to see if I want to settle the debt for {$600.00}. If not, the debt has accumulated penalties and interest and now totals {$2700.00}. He said it would be reported on my credit as well as more collection efforts would be done. I asked who the original creditor was ( i.e., XXXX, XXXX, etc ) He said he did not have that information and only XXXX XXXX XXXX XXXX was actually owed the money as they were the lender for all the payday loan companies. He had my social security number, birthday, driver 's license number, address and phone number. I asked for a phone number where I could call him back. He gave me the number of XXXX. I did attempt to call that number from a different phone and he did answer - but his identification of who he was was muffled. I hung up. The number he actually called me from was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report onXXXX XXXX XXXX and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have permissible purpose to be on my credit report. XXXX XXXX Finance/Personal XXXX  XXXX XXXX Credit Union XXXX XXXX XXXX Finance/Personal XXXX  XXXX Finance/Personal XXXX  XXXX Finance/Personal XXXX XXXX XXXX Finance/Personal XXXX  XXXX Finance/Personal XXXX  XXXX Finance/Personal XXXX XXXX  XXXX Bank XXXX  XXXX Finance/Personal XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX Finance/Personal XXXX XXXX XXXX Automotive XXXX XXXX  XXXX XXXX Automotive XXXX XXXX  XXXX Automotive XXXX XXXX  XXXX Automotive XXXX XXXX Finance/Personal XXXX XXXX XXXX Finance/Personal XXXX XXXX XXXX Automotive XXXX XXXX  XXXX Credit Union XXXX XXXX XXXX Automotive XXXX XXXX Finance/Personal XXXX XXXX XXXX Automotive XXXX XXXX XXXX  Finance/Personal XXXX XXXX Finance/Personal XXXX XXXX XXXX Bank XXXX XXXX  Bank XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX  Account # XXXX As violated my rights. 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have contacted XXXX XXXX XXXX ( the collections agency ) through the BBB ( please see attached ). I know nothing about this debt I have requested from the company anything with my signature on it or any type of statements. They have never contacted me regarding this debt. They claim they tried to call and I have never received anything in the mail, I know nothing about this supposed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Bank text scam victim in XXXX and still trying to recover my funds from Wells Fargo- and will continue to press Wells Fargo to do whats right. 

They keep closing my cases and say they will not refund my funds even though I was a clear victim of bank text scam fraud. 

They keep tell me that : Wells Fargo cooperates with law enforcement agencies in the investigation and prosecution of criminal activity... I have given them all police reports, the investigating departments as well of the detectives that gathered information - that all clearly indicates I was a fraud victim. I need Wells Fargo to contact these police departments and take my request SERIOUSLY to reimburse me! They dove deep into the transaction and clearly proved that I was a victim! Use the information I provided over my several communications with you to rightfully reimburse me. 

XXXX Police Department started the investigation and transferred it to the XXXX XXXX Police Department. Ive already provided Wells Fargo with all contact info of those departments and all of the case files concerning the situation. It was CLEAR that I was a victim. This is not my fault that someone was acting as a bank employee of Wells Fargo to set this in motion. This is all clearly laid out in the police investigation! The Wells Fargo XXXX department needs to reopen this investigation AGAIN not only looking at their records but also looking at the police investigation. I will not stand for another closure of this request- the fraud department needs to contact the XXXX Police Department as well as the XXXX XXXX Police Department if they are indeed going to work with and cooperate with and respect law enforcement agencies. 

I expect a full opening of this issue specifically speaking with those police departments to the the fault off of me.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a critical issue regarding a fraudulent account that has not been appropriately addressed on my credit report. It is imperative that we resolve this matter promptly to rectify the damage caused to my credit history and financial standing. 
The fraudulent account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously submitted disputes regarding the fraudulent nature of this account, and I am deeply concerned that your organization has failed to investigate and rectify this issue. I must emphasize that this is not merely a matter of inconvenience but a significant violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplication of complaint! 

Therefore, I am refiling my complaint and asking the CFPB to actually read opposed to trying to dispose consumers complaint as duplications. 

The following compliant I am filing against TransUnion has to do with illegal reinsertion of a deleted account without prior notification as mandated by the FCRA, FDCPA and should be investigated as such, a separate complaint was filed against XXXXXXXX XXXX for buying and reporting debt that was disputed as fraudulent not belonging to consumer. 

As stated, two different issues requesting separate investigations/complaints. This specific complaint : TransUnion has illegally reinserted debt that was removed and disputed as fraudulent not belonging to the consumer. 

TransUnion violated the FCRA, FDCPA by refusing to notify the consumer prior to reinserting disputed debt. I disputed a XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account it was removed from the TransUnion credit report. 

TransUnion reinserted the disputed debt with full knowledge this item was removed by XXXX then sold to XXXXXXXX XXXX who name is still attached to said account. 

The law is clear TransUnion is required to all consumers prior to reinsertion of disputed debt that was previously removed and can not deny consumer a chance to dispute said debt prior to reinsertion. 

I am asking TransUnion to show proof consumer was notified within the timeframe as outline by the FCRA, FDCPA prior to reinsertion of fraudulent debt. 

TransUnion intentionally denied the consumer their legal right to dispute reinserted fraudulent debt prior to reinsertion in direct violation of the FCRA and FDCPA. 

I want CFPB to investigate this practice of reinserting disputed fraudulent deb that was removed and not following the law and giving consumers the right to dispute prior to reinsertion how many XXXX XXXX XXXX XXXX had TransUnion used this deceptive business practices and intentionally lowered theyre credit scores and purchasing power I want the CFPB to enact or enforce laws that prevent credit bureaus from reinserting debt that was removed and disputed as fraudulent and why TransUnion is not giving consumers a chance dispute reinsertions or notification of reinsertion. 

I want the XXXX account that was removed, disputed as fraudulent not belonging to me removed again from my TransUnion report and not allowed to by resold and reinserted.
Product: Mortgage

On XX/XX/XXXX, Mr. Cooper ( Nationstar ) indicated that foreclosure proceedings would not begin until XX/XX/XXXX ; they referred the property for foreclosure on XX/XX/XXXX ( the attorney 's office did not receive the file until XX/XX/XXXX ). On the morning of XX/XX/XXXX, the FULL reinstatement payment was ready to be made and Mr. Cooper refused the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number # XXXX Balance {$2600.00} I do not remember opening this account so I ask the creditor to show me the original contract end all the information they have like Payoff disclosure and Interest rate disclosure original contract Credit insurance payment history interest rate disclosure and they can not provide it so I am asking all three credit bureaus to delete this account. And to respect my rights my rights are being violated so I am asking for help.
Product: Debt collection

Company contacted me and will not provide their company name or address. Told me they had an account with overdraft fees that was closed in 2010 and that they were going to turn me into XXXX and get a judgment for a deters examination. I have call recordings as well. I even asked if they were insinuating that they either had or would get judgement against me and they said yes. I informed them the debt is to old and again for their contact information so my lawyer could send them a formal response to their collection. They were unwilling to provide any documentation of the alleged debt.
Product: Money transfer, virtual currency, or money service

I made a XXXX withdrawal for XXXX from my Coinbase account to my bank account on XXXX XXXX, 2017, but it has n't arrived yet. It has been more than a month now. The withdrawal is marked as " completed '' on my Coinbase account page, but my bank account has not been credited! I have been trying to contact customer service, but this is notoriously impossible at Coinbase. A copy of the history of my one-way conversation with Coinbase customer service is attached.
Product: Checking or savings account

My primary bank is Chase. On XXXX XXXX I attempted to make wire transfers. Twice they were rejected, I contacted Chase and was told there was a problem but it should be OK to try again. ( They could not tell me what the problem was ) Third attempt was again rejected - no explanation. I then went XXXX, which is provided by the bank. I was able to send money on the XXXX, XXXX and XXXX of XXXX. I attempted to make a fourth transfer on the XXXX, to the same person and same amount -- it was rejected, with no explanation. I then went to my local bank to speak with an agent there as my account was now locked. 
The agent was very helpful, got my account un-locked, but had to tell me that I could not make any more transfers via XXXX. He also was not given a reason. 
To add to my annoyance with Chase, on XXXX XX/XX/2020 my debit card was locked. On that card I have automatic payments to my mail order pharmacy, among others. Thus my medication order was rejected. Again no reason for locking my account was given. On the phone calls I made to the bank, ( XXXX only knows where I was calling ) twice I had to recall because the person on the other end barley spoke English and on three occasions I was disconnected during a transfer to someone else. I still have no answers, no one has returned my calls and I have no idea how a bank could operate like that. I have been a customer for more than 10 years, at the start of this process my accounts held over {$20000.00} and my credit rating averages over XXXX. Thank You
Product: Debt collection

I pay this debt on XX/XX/2015 to a different collector company.
Product: Credit card or prepaid card

I have a serious problem. I got a care credit account, the emergency vet reccomended when my dog was attacked, they said its great and interest free. then when paying my bill one month syncrony advertised i get a discount on my pets best monthly bill if i use my care credit on auto pay so of course, why not, trying to save money. I got a notification from the credit bereau that my card had significantly increased the balance which i thought was strange because have not used for a while and been making pmts of over 100 monthly so assumed i was almost getting close to having the balance to zero. Imagine my shock and horror when my balance is over XXXX and 90 % is interest charges. also, they periodically without warning delete auto pay from my account so they can then charge me a late fee. I would never in a XXXX years have used this service if i had known they would charge me interest, not even reasonable interest, they have every single time ive used this card still active and im monthly being charged for the full purchase even if only owe XXXX, there are like XXXX purchases that i owe less than a dollar but they then start putting pmts towards another charge so they can charge me for all of them? this is on a card that was sold to me while my dog was in serious bad shape and its supposed to be XXXX interest. i cant afford this, im gon na have to go bankrupt, this company syncrony has ruined me, every other acct i have is in good standing, XXXX issues and it feels like its got to be illegal, i know its immoral and terrible way to treat people. im at a loss, they give confusing, and conflicting info on the website. no way to even tell what charges are from where, for the past year the only charges are huge interest charges, XXXX $ per month on several occasions and no explanation. how can they do this on an interest free medical assistance card? its unfair, i would have never ever got this card if it wasnt pushed on me as no interest. sure as heck wouldn't have had a recurring charge made on this card for a discount, only to pay XXXX the discount in interest. its false advertising, fraud, extortion, how are they allowed to ruin poor people in this way? please help
Product: Debt collection

At XXXX on XXXX XXXX2023 the debt collector called my phone asking me to pay the debt I specifically told him that I was not going to pay the debt I will let it fall off. He then said what type of person pulls out money that they know they can't pay, I can tell you don't know how to pay your debts. I told him please don't get cursed out I had a really good day. He then laughed and stated you don't think I cant handle that, I deal with it all of the time. I told him I'm not cursing out to you but you're being very rude right now I stated I'm not paying it. He then proceeded to hang up in my face. I called back and the same person answered but changed their name. I told him I would like to make a complaint and he said he would and not only did he not make a complaint about the rude staff member but then started to ask me about my debts. I told him I am not paying it. He then started to lecture me stating what would my mother and father think, what type of person does what you did, what would my reputation look like what type of example would my daughter have. I told him that they would not have access to my credit. He asked me why am I not able to pay. I explained to him I ended up losing my job and gave birth and he stated that that's not a good enough excuse to not be able to pay my debts. I told him I was reporting and said yeah go ahead and do that and also tell them that you owe {$2300.00}, go ahead and report it and let them know you owe {$2300.00}.