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

I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX. Despite having sufficient evidence when transactions were not authorized, my credit report has been affected by this issue. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where XXXX and other fraudulent transactions were reported to the credit bureaus. I believe these practices are unfair and request an investigation and to have these removed from my credit report per the FCRA GUIDELINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated the accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they also violated my rights under, 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. Which I DID NOT give them written instructions to do so. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX ( TransUnion ), # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX and # XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Account # XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

I got a call on XXXX from MoneyGram fraud his name was XXXX he stated over a month I have been sending myself money. I said I did not use there services nor did I authorized anyone to use my cards. He stated that there was around {$23000.00} done. I asked why it took so long to call me he could not answer that it was just flagged. I was told to call MoneyGram to put in for the dispute. XXXX marked them as fraud. I called and spoke to a man he said MoneyGram did not call me. I said XXXX told me the account was closed he then looked into and it was closed like XXXX told me he was going to do. Then he transferred me over to XXXX I explained I need the ref number so I can do the form. She did not give it to me she told me to check other. Today on XXXX I called MoneyGram and said I need the ref number they refuse to give me to file the report to dispute these transactions. I explain to XXXX my identity was stolen I did the FTC report. And my phone was stolen meaning hacked. I have been told by my mobile carrier that my phone was hacked and there was a dual SIM card on it. Which my mobile carrier does not offer. I was told I need a new phone they have the iemi number. MoneyGram is not allowing me file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I valued your time to remove some of the information in my file that resulted from an alleged identity theft but I have items left that need to be removed. Per FCRA section 605 you are required to remove the items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your wilful noncompliance. These fraudulent items need to remove from my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry dated XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX dated XX/XX/2022 ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Prepaid card

I received XXXX {$100.00} gift cards this holiday. I was unable to upload them to my XXXX XXXX XXXX XXXX, I was rejected by several online stores. XXXX, XXXX, XXXX XXXX XXXX  just to name some. I also went into several stores who also rejected the cards. I have been receiving these cards for years and now they are basically not usuable. Its embarassing to swipe a card that I know has money on it but Amex gift card doesnt process. 

I have a list of all my cards and can submit when required.
Product: Debt collection

I checked my credit report and found a collection item from I.C. Systems Inc. I disputed this with XXXX ( they removed the item ) and with XXXX ( they will not remove the item ). 

I have contacted a Lawyer and they will contact I.C Systems on my behalf. 

This is negatively affecting my credit which may result me being denied employment. This must be removed as I have not been contacted in writing and I DO NOT understand how I.C. Systems obtained my social security number!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. ha8s placed an hard inquiry on credit file on XX/XX/2018. Inform company inquiry was unauthorized.
Product: Credit reporting or other personal consumer reports

Company did not remove the accounts. 
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: Money transfer, virtual currency, or money service

I had numerous amouunts of money tra sfered out of my cash ap
Product: Credit card or prepaid card

On XX/XX/XXXX my locker at XXXX XXXX was broken into and my credit cards were stolen. One of the stolen cards was my Affirm XXXXXXXX XXXX XXXX. The thieves used my Affirm XXXX XXXX XXXX to purchase five {$200.00} gift cards at XXXX, totaling {$1000.00}. I deactivated my Affirm XXXX XXXX XXXX then contacted Affirm to report the Fraud. I first used the report fraud form on the Affirm XXXX then the following day I contacted Affirm and spoke with a rep. The rep told me it would take around 3-5 day for a response. After a week I again contacted Affirm to inquire about the status of my case and again I was told 3-5 days. On XX/XX/XXXX I received several emails from Affirm, half of the emails said my case was lost and the other half of the emails said my case was open. I immediately contacted Affirm and was told by the rep that there was no record of emails saying my case was lost and that they all show open still under investigation. Again, I was told 3-5 days before I would hear anything about my case. I contacted Affirm again on Friday XX/XX/XXXX only to be told my case was open and I should wait 3-5 days. I then contacted Affirm again on XXXX and again was told my case is open and to wait 3-5 days. Today XXXX I received XXXX emails from Affirm, one stating my case was just opened and the second email stating my case was lost. I have a police report from the XXXX state police who are investigating the case and the police also have video surveillance of the thieves entering XXXX XXXX, exiting XXXX XXXX and also making the purchases at XXXX. I am attaching the police report to this complaint along with a screen shot from the XXXX XXXX XXXX Stoppers page.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to formally dispute a transaction made through Zelle. 
I authorized a payment for a purchase of goods/services. However, the goods were never delivered, and the recipient is unresponsive. Despite my attempts to resolve this directly with the recipient, the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB outlining that I requested debt validation from LJ Ross Associates Inc. This company has failed to provide debt validation saying that I have any type of business with them. Furthermore, I also informed this company that information they obtained is the result of fraud. The address these people have on file is an address that I never lived regardless of their source of information. They have failed to acknowledge this assertion, which violates the Fair Credit Reporting Act ( FCRA ), 18 U.S. Code 1341 ( Frauds and Swindles ) and also 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave this company or any other company permission to share data related to my information.
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 1681.2. Account : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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.

15 USC 1681 Section 602 A. States I have a right to privacy 15 USC 1681 Section 604 A. Section 2 States a consumer reporting agent can not furnish my account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer XXXX
Product: Credit reporting or other personal consumer reports

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet have these accounts flagged numerous time in my credit file as late. These account have never been late
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. 

15 usc 1681a ( 2 ) ( A ) ( i ) specifies transactions and experiences are EXCLUDED from my consumer report.

Experian is securitizing consumers data yet refuse to follow the FCRA. Said company is liable under the SEC to follow certain rules.
Product: Debt collection

On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Hunter Warfield on XX/XX/XXXX, showing a balance of {XXXX. Hunter Warfield failed to respond to my validation letter with the requested information. The uploaded attachment is the mailed letter and correspondence from Hunter Warfield.
Product: Mortgage

I have been told by previous mortgage company XXXX  that I shellpoint is now servicing my mortgage and today was the first day I could actually view my mortgage. so i attempted to schedule a payment and it immediately locked me out of my account for 24 hours. I never received notification from either company and have been trying to schedule a payment now since XX/XX/2022 and cant. This is forcing my account to be delinquent even more and I still cant make a payment. it should not be this difficult to schedule a payment
Product: Bank account or service

I have a mortgage account with Wells Fargo Bank. I had a overage in my escrow account which they sent me a check for. I do not have any other accounts with Wells Fargo Bank. I went into a branch to cash the check and was told I did not have an account with the bank and would need to pay a {$16.00} fee to cash the check which was made out to me and my wife drawn on Wells Fargo Bank. The branch manager got involved when I asked why a fee when I have an account and she told me the mortgage account did not count as an account for cashing a check. She suggested I could deposit it into my mortgage as a principal payment but would not cash it for cash. My wife has also signed the check but after discussing waiving the fee she refused to process the check without my wife present.
Product: Credit card or prepaid card

On XX/XX/2019 I noticed there was a fraudulent charge on my personal Discover Credit Card. I reported this fraud to Discover on XX/XX/2019. On XX/XX/2019 I noticed that my Discover card balance was - {$3100.00} and that there had been several years of fraudulent charges on my Discover Card. I called Discover and asked about these funds. They confirmed it was from the fraud. On XX/XX/XXXX I called to see if I could get the funds sent to my personal checking account. They took my account number and told me I'd have the funds in 10-14 business days. After 14 business days, I called them and told them I hadn't received the funds. They said they were sorry, it was because it takes 90 days to investigate the fraud. I told them, that's not what you told me 14 business days ago and I was already planning on a family vacation and was going to use those funds. I then called back 5 days later and was told that they'd closed the fraud investigation and took my banking information again to release the funds. I waited until today, XX/XX/2019, which was 14 business days from when they told me my funds would be in my account. They're still not there and now their fraud department is telling me I won't have the funds for 90 days until the investigation is over. These are my funds and they've consistently lied to me. I want my money, I also want paid for my time spent on the phone and the vacations and trips I had to forgo because they lied.
Product: Payday loan, title loan, personal loan, or advance loan

Company is adding additional products and serviceces to their loans that have nothing to do with the loan for extra money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. 

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. 

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.
Product: Money transfer, virtual currency, or money service

On XX/XX/15, I received a call from the number on the back of my debit card. The person who called told us they had a pending transaction in a wire transfer that they wanted to confirm for {$9500.00}. They knew we don't use the wire transfer feature and it was from out of state. We told them we didn't make the transfer. They proceeded to tell us that we could help them catch the person by walking is through temporarily allowing the money to go and they would catch them. They gave me some numbers to enter. As soon as we finished, we had a really bad feeling and I instantly called the bank. The bank told us it was a scam. We filed a fraud alert but our claim was denied.
Product: Debt collection

XXXX XXXX LETTER TO CONSUMER REPORTING AGENCIES RE : XXXX  Block Request Case # XXXX : XXXX XXXX Case # 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 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  Dear Sir or Madam : I, XXXX XXXX XXXXXXXX, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of XXXX  ) Do hereby attest that I am a victim of XXXX  for purposes of section 605C of the Fair Credit Reporting Act. 
This statement.- [ ] As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.
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. 

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  has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

A XXXX CARD ( Chase ) appears on my report for more than 150-180 past due days and they are still reporting it to the credit reporting agencies and are trying to collect interest and late fees on this account. By legal right and by the Fair Credit Reporting Act this account needs to be charge-off or delete from my credit report " WELL TO KEEP GAINING INTEREST FEES AND LATE PAYMENTS FEE THIS COMPANY IS NOT REPORTING THE ACURATE DATES TO THE CREDIT REPORTING AGENCIES ''
Product: Debt collection

On XX/XX/XXXX I send Collection Bureau of Fort Walton Beach Inc. XXXX XXXX XXXX XXXX XXXX, FL XXXX a letter asking for validation of a debt they claim I owe I asked for competent evidence bearing my signature showing that I have or ever had some contractual Obligation to pay them. 
I have also send other letters on XX/XX/XXXX and on XX/XX/XXXX asking for documentation bearing my signature they have yet to send me any documentation bearing my signature and continue to report this on my credit report without Evidence
Product: Checking or savings account

Opened a checking and savings accounts with Wells Fargo on XX/XX/2023. Funded with {$44000.00} in good funds. 

Wells Fargo has committed two acts of FRAUD : 1- Fraudulently claiming that check in the amount of {$29000.00} was unpaid even though issuing institution confirms otherwise.

2- Fraudulently KITING  received monies by freezing them indefinitely with no resolution process, and multiple fraudulent representations to customer.