23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$970.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Unauthorized Inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX 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 XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has sent at least two requests for proof of mailing address as a delay tactic. 
After sending a so-called investigation result less than a month earlier. Since I did n't move or give any reason to believe I moved in the approximate 15 days in question this much be a delay which puts them in violation of the 30 days provided by the FCRA ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX RE : File # XXXX Request for Proof Address Dated XX/XX/XXXX To Whom It May Concern : This request for verification info is a delay tactic since this information was provided with your file # XXXX dated XX/XX/XXXX. You are in violation of the 30-day requirement to respond Immediately remove disputed items. Please find enclosed the items in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Cc : Consumer Financial Protection Bureau ACCOUNTS ALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$190.00}
Product: Checking or savings account

I was scammed by a potential job.XXXX  XXXX is the person who I was in contact with in regards to the job and the money transfers. I was told that the company ( XXXX XXXX XXXX ) would send me the equipment for the XXXX  XXXX XXXXXXXX XXXX job but they would send me a check for {$2000.00} first. Then once I receive the check, I would need to deposit it then would need to send money to the people who would put the software in the computer. So, I received the check on XX/XX/23. Then I was advised to start sending the money to these certain people through XXXX due to XXXX wasn't working. So, on XXXX I would XXXX XXXX XXXX XXXX. Then XXXX XXXX XXXX XXXX and then another XXXX. Then advised to transfer the remaining XXXX to myself for a sign on bonus. Then on XXXX I would find out that the check that I deposited came back as a fraud. I then in turn filed a dispute with the bank and filed a police report in regards to this scam. I just was notified that the bank denied my claim due to me using XXXX they aren't responsible for the funds sent through XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i start with this company beyond finance on XXXX XXXX decreased my debt the told not to pay the bill and no contact the person that i owe money the creditors.the never explained that you have to have alot money account to settle XXXX told i graduated and told me to take a loan with above lending for the same amount of money that i owe one the creditors .i was scared nothing was happening my credit score was continue going down.i did the loan and when the got money 2 day later the settle for XXXX percent of XXXX XXXX debt.the other account was only XXXX dollars in debt and i call and ask them to settle and to paid the other settlement what to wait until the XXXX of XXXX.the never told, me before that i have to paid XXXX percent of XXXX XXXX i think this people are scam.i decide tp settle myself the second account because the was not doing anything.i ended with the same amount of debt from the beginning.i have to paid a loan for XXXX with the bank that they choose plus the XXXX .please stop this people from scamming others.the only tell you the make money with a montly fee
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Student loans have verbiage stating payments begin XXXX  2025. There are no more payments due at all. NO MONEY IS DUE ON THESE LOANS
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

i received a charge off bad debt report on my credit report and I sent the collection agency a debt validation letter and they haven't sent any reports of validation of this debt owed to me, i set a time frame at which they had time to provide if this is a correct debt they haven't sent any proof.
Product: Credit card

So I have a cash app card but my money kept getting spent on XXXX XXXX XXXXXXXX. so i asked for a dispute but I needed a sponsor since I'm under XXXX. This year I will be turning XXXX and I need to save up for a house. But my money keeps getting spent. So I need my money back.
Product: Checking or savings account

On XX/XX/2022 I filed a claim with Wells Fargo, detailing every transaction that was unauthorized. The total amount for the claim totaled {$3100.00}. 
I explained to re representative that I spoke to over the phone, while filing my claim that I left my wallet in a different city and did not have access to my card during the time of the transactions I reported. 

I called back after the claim was filed to verify the amount was correct on the claim and the XXXX phone representative informed me the claim was only filed for a little over {$1000.00}. I asked her to correct it and she said she was not able to do anything to help. 

I called a third time on XX/XX/2022 and the XXXX representative said they can help me fix the mistake the XXXX representative made while filing the claim. They started a new claim including all the unauthorized transactions. 

On XX/XX/2022 I was informed by Wells Fargo that my claim was denied. So I filed my first report on CFPB. On XX/XX/2022 I received an email from XXXXXXXX XXXX  XXXX Complaints Management office at Wells Fargo executive office acknowledging my CFPB complaint. I spoke to XXXX XXXX on the phone about Wells Fargos decision to deny my fraud claim and she advised me to take legal action against the person who used my card without authorization and take them to small claims court. 

I believe Wells Fargo isnt protecting my money I trusted them with in my account and they handled the claims process very poorly and had multiple errors on their end. I believe I wouldve been able to catch some of these unauthorized transactions sooner if it didnt take days after they money was taken out of my account for Wells Fargo to update my account online. The unauthorized transactions were out of pattern with my regular spending habits on this account and I didnt receive any calls from Wells Fargo calling to verify any of these fraudulent transactions.
Product: Money transfer, virtual currency, or money service

On XX/XX/, XXXX XXXX XXXX located in XXXX XXXX, my client, wired my money ( USD XXXX ) for rendered service through their bank XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX used Chase Bank as an intermediary to transfer the money to my checking account I have at XXXX XXXX. 

XXXX XXXX hasn't received the money to this day. Chase hasn't been able to help me to find out where the wire transfer is. 

I showed them the remittance details, provided as well the UETR number. I checked the routing number as well as my account number to make sure everything was correct. It is. 

My only recourse now to have an answer is to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have contacted both XXXX XXXX XXXX XXXX of XXXX, WI and they have assured us this has been resolved and would be removed from their records. It has never happened. We are trying to dispute this through Experian and Experian claims they can ever only once process a dispute. The last time was a year ago?
Product: Credit reporting

XXXX Mortgage has been discharged via bankruptcy NEEDS to be removed from my credit profile Transunion is ignoring and not investigating XXXX mortgage DELETE XXXX MORTGAGE FROM MY CREDIT PROFILE!!!!! 


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

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these is a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! 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 an account without my written instructions.
Product: Credit card

On XX/XX/XXXX, I was being offered a special for XXXX XXXXXXXX with a deposit of {$250.00} to retain it before it expired. Prior to paying the deposit, customer service was very attentive. After, no luck. I couldn't even schedule the date after countless texts and emails. So I canceled and opened a dispute with my bank Navy Federal on XX/XX/year>. 
I was not informed of the reversal and denial of my dispute claiming the merchant provided a contract that says it's unrefundable. I state under penalties of perjury that I was not informed that a deposit is not refundable even if no services of any kind were received and practically ignored. To this day I have not received any contact from XXXX XXXX XXXX
Product: Credit card

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me. I sent a police report to both the credit bureau and spoke with the creditor, this account came off of XXXX however is still showing on XXXX and XXXX. I [ 've never had an account nor never benefited from any account with Navy Federal. This account is ABSOLUTE FRAUD and is hindering me from moving forward in obtaining credit.
Product: Credit card or prepaid card

My personal information including my credit card information was compromised. Someone used this information to make fraudulent purchases on my credit card. 

I received an alert on XX/XX/2022 stating that Chase auto declined a purchase because it was detected as a fraudulent charge. I immediately called Chase and to cancel my card and to let them know that there were 4 additional fraudulent purchase on my card. All of these purchases were made in about a span of 1 hour and all the purchases were for digital tickets. 

Chase later told me that I was still responsible for 2 of the charges. One charge of {$180.00} to XXXX XXXX and one for {$600.00} to XXXX XXXX XXXX. I disputed the charges 2 times and each time ( on XX/XX/2022 and XX/XX/2022 ) was told that 2 of the purchases were legit because the scammer used my personal information to make the purchases and because I " received benefit '' from these transactions. 

While it is true I received the virtual ticket in my email inbox ( due to the scammer using my email and other personal info ), I received no benefit because I never used the tickets and the tickets were for entry to attractions on the other side of the country. Also, the scammer could access copies of the tickets online during the time of purchase so really they were the ones who received the benefits. 

It is preposterous to think that only XXXX out of XXXX tickets purchases within an hour were made by a scammer while I was also purchasing tickets. Why would I immediately call Chase to cancel these charges if that were the case? What kind of fraud department can't tell that these purchases obviously were not me? It really feels as though they try to use any excuse necessary to charge you with fraudulent purchases.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: Debt collection

FDCPA, under Title 15 violation have initial started around XX/XX/20 From these tresspasser of the law XXXX XXXX on behalf of McCarthy, Burgess wolff located The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX and also complict is XXXX XXXX  locatedXX/XX/XXXXXXXX XXXX oh XXXX. We have no written contract nor knowledge any alleged debt. Am invoice will be sent within two weeks of this claim for damage. 


AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  acct # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Debt was paid through original creditor ( Hospital ) and still showing as a unpaid debt on my credit report
Product: Debt collection

Summit receivables continues to contact my employer even asked to stop and when I spoke to them they wo n't verify what debt is about just threatened me that they will contact my employer so that I would be get embarrassed in my employment. I do n't believe I owe them. The company that keeps calling at my work place summit receivables with phone # XXXX her name XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$1300.00} This debt continues to remain on my credit reports after working with the credit bureaus to get it resolved. There is no phone number or proper information letting me know anything about this collection. I am not even familiar with this debt, it needs to be removed. This is negatively affecting my credit score. It should no longer show on my XXXX and TransUnion credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting me as an Authorized User on the XXXX/XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called and spoke to a representative and removed myself as an authorized user from this account. They removed me as an Authorized User on XXXX and XXXX  however Transunion has not removed this from my report. I have contacted the bureau to fix this issue however I was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from my credit report.
Product: Mortgage

After a number of years of loan payments to XXXX XXXX  and farmed out to Village Capital, I refinanced the loan with XXXX  XXXX XXXX. The closing was successful, however Village Capital has not refunded our escrow of {$1400.00} after 15 days. Their claim is that it could take up to 30 days to return the money! They were paid in full on XX/XX/2020. This is not fair banking ... they haven't and are not paying interest on this money. Escrow funds should be refunded promptly. They are profiting by holding on to their customer 's money with the excuse that 'it 's their procedure '.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent account XXXX  on XX/XX/XXXX under the account number XXXX, on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX ( Complaint XXXX XXXXXXXX ), I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit ( Report # XXXX ), proof of address, and Social and government-issued ID.

However, Equifax failed to block the disputed item within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPB 's XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.
Product: Debt collection

I asked The law office of Brett M. Borland to validate this debt as belonging to me three times now. They sent me the attachments on two of the three request. The attachments are missing pages, the signature is not mine and there they provided ZERO proof that this debt is mine.

I demand the debt be removed from my credit report within two weeks of this complaint or I will obtain my own attorney and sue them for any and all violations that the have commitment with regard of the fair credit reporting act. 

This is completely unacceptable that they just pulled my name out of thin air and expect me to pay for something that is obviously not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.