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

I was scammed on XXXX. A vacation property was listed in XXXX NC ( by owner ) and I sent $ thru XXXX to reserve the property for 2 nights + security deposit. The funds were ultimately received by a legitimate Bank of America account. ( This was verified by the local Bank of America. ( I have the account number because the " owner '' originally wanted me to wire $ directly to the account. ) 2 weeks later I needed to cancel the reservation due to illness only to discover ( thru research when no email response from the person I had sent the $ to ) that the property did not belong to this person and was exclusively listed thru XXXX XXXX XXXX XXXX. The XXXX listing had been copy and pasted from the XXXX listing. I also have a good phone number for the scammer because I called him to cancel the listing when I did not hear back via email and spoke with him. He has since tried to scam me again via text messages. I have filed a police report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent inquiries on my report that I do not recognize form the following companies : XXXX XXXX XXXX XXXX, Date Inquiries ( XX/XX/year> ) - ( XXXX ) ( XX/XX/year> ) - ( XX/XX/year> ) - ( XX/XX/year> ) - ( XX/XX/year> ) XXXX XXXX XXXX, Date Inquiries ( XX/XX/year> ) - ( XXXX/XXXX/203 ) - ( XX/XX/year> ) - ( XX/XX/year> ) XXXX XXXX XXXX Date XXXX XXXX XX/XX/year> ) - ( XX/XX/year> ) XXXX XXXX Date Inquiries ( XX/XX/year> ) XXXX XXXX XXXX, Date Inquiries ( XX/XX/year>XXXX XXXX XXXX XXXX, Date inquiries ( XX/XX/year> )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Experian on day XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX, account XXXX, and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Bureau Numerous Inquiries Experian Credit Bureau Numerous InquiriesXX/XX/XXXX Credit Bureau Numerous Inquiries Had a lot of data breach letters in the mail in the last year statinbg my information was compromised from health insurance to medical drs. 

Multiple attempts to pull my credit from the same place have been noticed on my report and all ingquiries should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding certain inquiries on my credit report that do not appear to be accurate. As a victim of identity theft, I have taken necessary steps to rectify the situation and protect my financial well-being. However, it has come to my attention that several companies have made inquiries that I believe to be excessive and potentially erroneous. 

I kindly request that you investigate the following companies in relation to the mentioned inquiries on my credit report : 1. 700 CreditXXXX XXXX XXXX - Date : XX/XX/XXXX 2. XXXX XXXX : - Dates : XX/XX/XXXX, and XX/XX/XXXX 3. XXXX XXXX XXXXXXXX : - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 4. XXXX XXXX : - Date : XX/XX/XXXX Considering the circumstances surrounding my identity theft case, I find these inquiries to be excessive and potentially indicative of fraudulent activity. I request a thorough investigation into these inquiries to determine their legitimacy and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I would like to emphasize the importance of ensuring a watermark-set signature for validation of my authorization to check my credit. This signature serves as evidence of my complaint and supports my request for inquiry removal. It is essential to protect consumers from unwarranted inquiries and safeguard their creditworthiness. 

I intend to contact the XXXX XXXX XXXX ( XXXX  ) and the Attorney General 's office to seek compliance and support regarding FCRA guidelines if necessary. I appreciate your assistance in resolving this matter promptly and ensuring the accuracy and integrity of my credit report. 

Thank you for your attention to this inquiry removal request. I have enclosed a copy of my identification and any supporting documents that may assist in the investigation. Please do not hesitate to contact me if you require any additional information or if there are any updates regarding this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding of disputes. ( XXXX XXXX. XXXX ) against them for similar violations.I request that the CFPB take action to ensure Equifax complies with federal XXXX and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Checking or savings account

I was working with credit settlement law firm. They are called XXXX XXXX XXXX. For the past 3 and a half years {$720.00} was removed out of my regular banking account every month and sent to a saving account with Global Holdings. XXXX XXXX XXXX would then withdraw the money and pay my creditors. They did settle a few of my credit card debts but there were others that they didn't. My contract ended after 4 years, so I was almost done. 

Two weeks ago I received a letter from XXXX XXXX XXXX informing me that they were being sued in New York ( apparently they are/were a shell company for an organization called XXXX XXXX XXXX XXXX XXXX XXXX ) and had been given a restraining order from a judge stating that they could not represent clients anymore. The letter also stated that all the money I had left in my Global Holdings savings account was mine and I could withdraw it at any time. 

In the last two weeks I have called the credit card companies that XXXX XXXX XXXX never settled with and explained the situation. They were understanding and we worked together to come up with a settlement I could pay. However, I need my money that Global Holdings is holding for me to pay these companies.

I have gone to the Global Holdings online portal and there is no way to withdraw my money online. I could be wrong, because the last time I looked was about two years ago, but I think there was a way to withdraw it online before. I have tried calling them to ask how I can withdraw my money almost every day for the last two weeks and am left on hold for around 30 minutes until they tell me they can not take my call and either ask me to leave a message ( which I have done more than once ) or they just hang up on me. 

On top of calling Global Holdings almost every day, I have also sent emails and I have asked the AI robot to have them call me back and I have never gotten a return call or email. Right now they are keeping my money and giving me no way to remove it.
Product: Debt collection

This was never a debt I paid my account in full and had them pick up the equipment when we moved. Now they have put me in collections for items I do not owe on.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Info : Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

On XXXX XXXX, 2016, ( original letter date for dispute XXXX/XXXX/2016 ) I wrote a letter which I will paste below stating that this information had not been validated nor had the company replied to my response of providing burden of proof of the " legal items '' listed to belong to me. It been exactly 30 days since sending the notarized letter and no response.This letter is formal notice that you have failed to respond to my dispute letter of date. I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on some date. 
As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : Reference Number XXXX Please delete this erroneous item from my credit report as soon as possible. 

Best Regards, XXXX XXXX
Product: Debt collection

Company or agent of the company has been contacting and leaving threatening messages on both my office phone and my mothers phone saying that they have a serious matter and I need to call them back to confirm my work address so they can deliver " legal papers '' to me. They use different local phone numbers each time. The scripted person that makes the call will not provide me any information at all just expects me to give them my SSN, Birth Date, Address. 

I called their office and was told the calls where from an agent of theirs. This person gave me the company name and address but would not send me any write confirmation of a debt or tell me what the important legal papers where. 

I have confirmed my credit report has nothing from this company. 

( XXXX ) XXXX Cordoza & Wexler Recovery Services XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The balance and/or past due amount are/is incorrect. 
This account is too old to be on my credit report. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Checking or savings account

I noticed a day after transaction that 3 separate charges were made to my account Charges were for {$50.00} PURCHASE XXXX XXXX IL {$12.00} PURCHASE XXXX XXXX XXXX {$180.00} PURCHASE XXXX XXXX XXXXXXXX XXXX I immediately called my bank ( wells fargo ) upon notice and cancelled my card. My card was in my possession at the time. No one was allowed access to my card or bank details. Yesterday, I got a letter stating that the case was closed because they used digital wallet, my pin?. But ive never let anyone use my card and ive never even been to those states/places. I dont understand how they couldnt have known it was fraud, considering the purchases were made in 3 different states. Taxes were already included so all purchases were rounded up. It doesnt make sense!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. I've also attempted to remove the late payment by challenging it thru the credit bureaus. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Credit reporting or other personal consumer reports

Case Reference Number : XXXX Dear XXXX XXXX XXXX XXXX, I am responding to your submission to the Consumer Financial Protection Bureau regarding my XXXX XXXX XXXX XXXX account ending in XXXX. I appreciate your efforts to investigate this matter, but I must assert that several issues remain unresolved, and I believe federal law violations exist. 

Truth in Lending Act ( TILA ) - Title 15 USC 1601 : Requires lenders to disclose key terms and costs of credit for car loans. I did not see that or a copy of my notice of my right to rescind.

I request my downpayment FOR VIOLATION OF Title 15 USC 1605 ( a ) & ( b ) My downpayment was not factored in the finance charge as on page 4 that you sent.

Fair Credit Billing Act ( FCBA ) - Title 15 USC 1666 & Regulation Z ( 12 CFR Part 1026 ) & Discrepancies in Balance ( Title 15 USC 1639 ) : The balance listed in the document you provided on 1/30/24 said the balance was {$310000.00}, which is not reflected on my credit report.

The balance of page 15 of the document you provided stated the balance was {$4800.00} On my credit report published XX/XX/XXXX, proves your response about everything being accurate to be false : They all show inaccurate information which was published by XXXX stated in your response. Please see highlighted portions. 

Regardless of COAF preference Equal Credit Opportunity Act ( ECOA ) - Title 15 USC 1691 et seq. protects me, from XXXX from continuously furnishing inaccurate information that is reflecting negatively on my protected class. 

Please provide the address that the car was removed from and the call to prove that my XXXX mail was non-deliverable and that I continued to send mail there. 
On pages XXXX and XXXX of the documents XXXX sent, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX stated that XXXX had my car because I broke promises in our agreement. Please describe the broken promises in our agreement. Also, please provide the agreement made between XXXX and me. 


Please see the three attachments : ( 1 ) confirming my identity, ( XXXX ) from XXXX, ( XXXX ) from me, with evidence of the fraud committed against me
Product: Checking or savings account

I opened an account at Wells Fargo and wand Wells Fargo gave me some money back from an investment amount of a XXXX XXXX and then there was also a XXXX XXXX dollars that was placed in the account on that day and this is the bank on between XXXX and XXXX and XXXX XXXX on market in XXXX XXXX and and I found out that they were giving away the money in my account and I'm winning a couple days later Or maybe A-day later and there were people we're people getting money in paper bags from the bankers.. In addition Wells Fargo and every other bank in the world just about has taken XXXX XXXX XXXX that was placed in every bank XXXX years ago in my name XXXX XXXX XXXX I want my money returned immediately! As well as from all other Banks and persons who had taken it! There was also {$900000.00} deposited into my serve account under XXXX and I want that back as well
Product: Debt collection

Caine & Weiner {$320.00} I am writing to formally request validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. The account in question appears on my credit report and is being reported as delinquent. However, I do not recall any outstanding balances owed to you and would like verification of its accuracy and legitimacy. As required by the FDCPA, please provide the following : XXXX. Documentation verifying that the alleged debt is valid and that I am responsible for it. XXXX. The original contract or agreement bearing my signature that indicates I agreed to the terms of the debt. XXXX. A detailed breakdown of the amount claimed, including any fees, interest, or other charges. XXXX. Proof that your company is authorized to collect this debt on behalf of the original creditor. XXXX. Documentation showing that the debt complies with state and federal laws, including the statute of limitations. Until I receive the requested verification, I respectfully request that no negative information related to this account be reported to the credit bureaus. If this debt has already been reported, please contact the credit reporting agencies to have the account marked as in dispute. If you are unable to provide sufficient evidence to validate the alleged debt, I ask that it be removed from my credit report entirely in compliance with the Fair Credit Reporting Act ( FCRA ). Please note that this letter serves as my good faith effort to resolve the matter. I am prepared to take further action if my rights under the FDCPA and FCRA are not respected. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days. Please respond in writing to the address provided above.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report. The report had an account listed. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. 

I am writing this to you in an effort to get this removed. Please delete this information from my credit reports. I have never had an account with Santander company. If someone has opened an account in my name, please close it immediately before further harm is done. 

I am requesting that you notify all of credit bureaus that this account is " disputed '' or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. 

This is a written dispute of the this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 

Sincerely, XXXX XXXX
Product: Debt collection

I was checking my credit and a listing showed up under collections.     I am not aware of owing money or being behind or late on any payments.     I have not received any notice, statements, emails or phone calls in the last 2 years of being late on any payments or owing any money.     The claim that I owe {$310.00} was made on  XX/XX/2015   . I do not recall purchasing anything remotely close to that value on  XXXX  day on that time.