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

On XX/XX/2022. Me and my friend XXXX sent money to someone who we thought was our future landlord but turned out to be a scammer. She had come across a listing on XXXX that had stolen the pictures of the real property owners but had false contact information. We were sent an application to fill out, and were told to send them money through XXXX. Around XX/XX/2022 I began to be suspicious when I searched the address and found the real property owners website. I called and they confirmed we had been scammed. I called Wells Fargo immediately and reported the fraud. They did not offer much help or guidance during the call. I never heard from Wells Fargo about it, but soon my account would be negative. Losing {$500.00} in a scam while I also lost my housing and job I spent what money I had left to survive hoping Wells Fargo would return my money. I turned to high interest loans but eventually it wasnt enough and my account was negative. I eventually realized Wells Fargo was not going to help me, I couldnt fill out the complaint form through XXXX cause I needed numbers from Wells Fargo they never provided me. My account eventually closed around - {$220.00}. Im disappointed because if I had the money returned it wouldve covered the balance and maybe my account would not have closed. Now I owe Wells Fargo even more money and they wouldnt do anything when I lost {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple cease and desist letters to SYNCB/TJX COS already with no response. This is what is in the letter and what you need to send to them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia [ XXXX ] SYNCB/TJX COS XXXX XXXX XXXX XXXX, FL XXXX XXXX : SYNCB/TJX COS account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by SYNCB/TJX COS , ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 
Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : *Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation *Zero out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; *Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above. 

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation. 

( Janetos v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX *assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing XXXX, XXXX XXXX at XXXX. ) Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my mortgage is with XXXX XXXX XXXX XXXX since XXXX of 2020 I have never heard XXXX XXXX XXXX  ( please see screen shot of my TransUnion credit account attached ) Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/XXXX, I received an email that states : " Congratulations on making another purchase with your Kikoff Credit Account! 
Heres the order receipt for your purchase : Total : {$60.00} Payment method : Kikoff Credit Account New account balance : {$60.00} You can see the details of your Kikoff Credit Account from your dashboard : https : //kikoff.com/dashboard And you can access your purchase by going to the Order Center : https : //kikoff.com/dashboard/credit-account/orders Remember to make on-time payments to build your payment history! '' I was just on KikOff a few days prior looking at my previous accounts to make sure they were closed and I screenshot the statements. 

So if I know I have no new accounts because in order to start a new account with you guys, depending on the chosen limit, EVERYONE has to input the initial start fee to get the ball rolling. That is how Kikoff accounts become activated. So why is Kikoff opening a new account underMY name without MY permission? Please explain to CFPB why you opened a new account under my name without permission? 

To KikOff : Did you think I wouldn't take screenshots? Do you think I wouldn't be educated enough to notice major typos AND illegal back dating??? No, seriously? 
Here is an annotation of actions under KikOff from legal to illegal : XX/XX/XXXX, I, the customer applies for a {$60.00} Kikoff Loan that credits at {$750.00} after payoff. This is a loan to build payment history on credit reports and is not a transactional handheld loan. ( A screenshot has been added as proof ) Each month from XX/XX/XXXX to XX/XX/XXXX, for {$5.00} a month, this Kikoff Loan was payed for. Only XXXX  were missed but were immediately caught up. ( A screenshot is added as proof ) BECAUSE today is the XXXX, and it's XXXX XXXX, it would have been impossible for me to have signed up for another {$60.00} Kikoff Loan on the XXXX to then receive at XXXX an email about the loan on the same day. What makes it impossible would be that THE CUSTOMER would have had to put in for that loan the day prior to receive an email the next day but for KikOff applications, loan approvals are IMMEDIATE. HINT : I STILL HAVE, STARRED, THE EMAILS FROM LAST YEAR WHEN I SIGNED UP. ( Screenshots attached as proof ) Logging on to Kikoff App today after receiving said email, I opened the section that says " Kikoff Loan details '' and at the very bottom, I find : " Account open date is XX/XX/XXXX, Next Closing date is XX/XX/XXXX '' ( Attached as proof is my record transaction statement from Kikoff that shows the actual start date of the loan I opened with my permission while the second screenshot shows the same account getting reopened but with the wrong dates/back dates that clearly do not match up at all with the transaction history. )
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 day late as of XX/XX/2021 and 60 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my credit report from my Credit Union ( pages 1-2 enclosed ) after I was denied credit from XXXX XXXX XXXX   because of a false and erroneous citation by US Bank to a Credit Agency. That same month I contacted US Bank to open an investigation to correct the  erroneous citation, which was settled with the creditor in XXXX! 

My credit report shows an open unsettled past due balance with US Bank of {$6700.00}, but that is in error. Please see the enclosed settlement letter. 

Not only has my credit history been injured, but US Bank has continued to be very dismissive in trying to correct the problem. I have had no response from them since XX/XX/XXXX, after making several more calls as recent as XX/XX/XXXX, for which they only acknowledged that they see that a file was opened ; but absolutely no progress has been made. 

I have suffered substantive punitive damages and I think it only right to be financially remunerated for this damage in addition to have my credit record back dated and corrected. I believe that this infraction needs to be recorded against US Bank as due retribution. I am currently in the process of trying to purchase a dry cleaning franchise but I am impeded by US Banks continuous apathy and sloppy practices. 

I am very angry about these big banks receiving all these bailouts and then US Bank XXXX XXXX CEO XXXX XXXX resigns in a scandal. It seems like the system is rigged!
Product: Credit reporting or other personal consumer reports

I'm writing to remove or update the inaccurate information about reporting late payments on my account with XXXXR ( Account Number : XXXX ). 

According to my records, I have never made a late payment on this account during the reported period of XX/XX/2024. The incorrect information is significantly impacting my credit score and hindering my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX  business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

In XX/XX/XXXX, I was Evicted from my apartment after two years of living there and paying on time. They gave me no consideration before moving forward with evicting me. In XXXX the Item showed up on my credit report from Southern Managment systems. I was later contacted by the company asking when I would pay the debt. I explained to them that I need a list stating what is owed. They stated they would comply. I reviewed it and although I did not agree with all the items I did not know what else to do. I offered to settle the debt for all the money I had. 1100 . They denied the amount stating, " The original debtor would not accept it. '' I stated if the amount is sent to them or " Charged off '' then they are the ones who are responsible for the debt, not the original apartment complex. Even so, if that the case I should be able to speak directly with the complex as I don't see the point in having a middleman. Well, that's where it prompted me to do my research on consumer debt. The company " Southern Management Systems states they are a debt collector. This would mean the apartment complex sold my debt to them so now I owe them. The problem is Southern Management Systems doe not have a valid business license. 

According to Florida Fair Debt Collection Practices Act 559.553 Registration of consumer collection agencies required : ( 1 ) After January 1, 1994, no person shall engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. 

( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. 559.555. 


This means this company has ZERO business operating in the state of Florida. To make matters worse, You can never get in contact with anyone at the office to discuss or resolve your issues. This company often purchases from low-income communities. They buy the debt expecting the tenants limited income and access to resources to be used against them. They have so many court cases against them ranging from violating Florida Fair Debt Collection Practices Act 559.72 Prohibited practices generally : ( Claim, attempt, or threaten to enforce a debt when such person knows that the debt is not legitimate or assert the existence of some other legal right when such person knows that the right does not exist ) to Florida Fair Debt Collection Practices Act 559.715 Assignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment within 30 days after the assignment. The assignee is a real party in interest and may bring an action in a court of competent jurisdiction to collect a debt that has been assigned to such assignee and is in default.
Product: Debt collection

The company states the I owe a debt with 4 different accounts. The accounts need to be verified. I don't want a statement. I want my contract with this company for the 4 accounts with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The accounts have several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the accounts from my report. I DO NOT give my consent to this company to report anything on my credit report. I demand that the accounts be removed. The account being in these numbers 676, 681, 661, 679 needs to be deleted as soon as possible.
Product: Checking or savings account

My mother passed in XX/XX/year>. Her accounts held at Chase were listed as " Chase Premier. '' She had several custodial accounts for her great grandchildren. All the custodial accounts are listed as 'Chase Savings '' except one that is listed as " Chase Premier Savings ''. Now that my mother is deceased, this one account is now being charged {$25.00} a month service charge because all my mothers personal accounts were closed. This account should be correctly coded as a regular savings account with no monthly fees. As the trustee, I have tried numerous time with the bank to get this corrected. They told me they could do nothing about it because they don't have access to make those changes to the account. The parents of this custodian account also went into the bank and they were told, as I'm trustee, I needed to go into the bank and close and reopen. My bank says NO. I'm at a lost on what to do. The child 's account will be totally drained in a couple years. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on my report are fraudulent and were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX. 
XXXX XXXX VIA XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX OFFLEASE ONLY VIA XXXX OFF LEASE ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO : XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTINUES TO REPORT ON THIS CREDIT REPORT WHEN THESE COMPANIES WERE REPORTED AS FRAUD FOR UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

I am submitting this complaint once more as a follow up as let me repeat that the XXXX Credit Bureau still has not removed XXXX remaining inquiries from my credit file, and Equifax has yet to address these XXXX fraudulent inquiries, as they haven't removed any inquiries at all. So, I am humbly following up my request once again to the Consumer Financial Protection Bureau ( CFPB ) to ensure that both XXXX and Equifax Credit Bureaus promptly remove these lingering fraudulent inquiries from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has on my credit File Names Reported : XXXX XXXX XXXX XXXX I have never used this name nor ever applied for any type credit under this name. Transunion needs to provide proof/documents as to this name or Remove/Delete from my credit file.
Product: Credit card

On XXXX XXXX receive a notice for Midland Credit Management indicating that they had assumed they delinquent debt on my credidt card that was issued to me by XXXX XXXXXXXX XXXX for the sum of {$21000.00}. Contacting Midland Credit Management on the day I received this notice, they sent me a list of charges on the card from XXXX to XX/XX/year> that were made at various businesses in the XXXX XXXX  area, They also informed me that the address on this credit card was changed to XXXX XXXX XXXX XXXX MA, XXXX and a new email address, XXXXXXXX XXXX XXXXXXXX had been attached to the account, both of which I am not familiar with. Prior to this notification I had not used this credit card for approximately 3 year and do have the latest issued card in my possesion. Beyond this and upon reviewing my credit report, I noted that my credit score was affected by these fraudulant charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt.

also violates 15 USC1692 ( e ) 11 Name -XXXX XXXX  amount : {$1500.00} date :XX/XX/XXXX 2.AFNI Amount : {$600.00} date : XX/XX/XXXX 3.XXXX XXXX XXXX amount : {$220.00} date :XX/XX/XXXX 4.XXXX XXXX XXXX amount : {$200.00} date :XX/XX/XXXX 5.XXXX XXXX amount :XXXX  & {$100.00} date : XX/XX/XXXX& XX/XX/XXXX 6.XXXX XXXX  every account
Product: Payday loan, title loan, or personal loan

Filed a bankruptcy in 2016. Got an email to apply for a loan thru Lending Club, applied and got rejected due to my bankruptcy. Starting getting emails and phone call from Lending Club regarding late/no payments. Looked on my credit report to see that someone approved the loan for {$9600.00} and wired the money into and an account. I never got this money, and apparently someone did and had it deposited into a XXXX  XXXX XXXX account. I do not possess a XXXX XXXX XXXXXXXX account. Went to my local Police dept in XXXX XXXX XXXX, New Jersey and filed a report. Contacted my XXXX  credit to dispute, and they are rejecting my claim. The police report case # XXXX, the officer 's name was XXXX XXXX The phone number is XXXX. The experian case # XXXX. I had to filed bankruptcy and don't understand why someone would approve a loan for that huge amount of money.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from such unauthorized dissemination of personal financial information. 
Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data. 
Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made. 
Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.