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

I have identified unfamiliar items on my credit report that I did not authorize. It appears that someone may have stolen my identity to open these accounts. I have previously discussed this issue and now urgently request the removal of these accounts from my report. The presence of these accounts is causing me significant stress as they do not accurately reflect my true credit history or financial management practices. Dealing with this situation has been challenging. If we can not resolve this matter promptly, I am prepared to take legal action to protect my rights and seek a resolution. These inaccuracies are impeding my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope to resolve this issue promptly.
Product: Mortgage

I had two mortgages both had PennyMac as the loan servicer. I refinanced both mortgages with another lender and the funds were wired to PennyMac on XX/XX/2020. despite that PennyMac went ahead and still drafted out of my checking account XXXX payments on XX/XX/2020 for {$1400.00} and on XX/XX/2020 for {$1500.00}. which is clearly illegal since the loan has been paid. I have tried to call many times and the company has refused to refund me the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

First Source, XXXX XXXX XXXX and Source RM Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting or other personal consumer reports

Its XXXX things on my credit report that needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX These things have brought my credit score down. I need them removed asap.
Product: Mortgage

I received my approval letter from Wells Fargo for a mortgage on XX/XX/XXXX. I 'm on XXXX and have been since XX/XX/XXXX. They kept telling me that I needed a job to qualify. I work a part time seasonal job for the IRS. I usually start work in XX/XX/XXXX, but my job said going forward i will start in XX/XX/XXXX WF was going to give me a XXXX day extension to get a paycheck to qualify when i start next month. Because I can not start until XX/XX/XXXX, they declined my application Friday XX/XX/XXXX and closed it. This was after starting the loan process way back on XX/XX/XXXX. The only debts i have are XXXX credit cards totaling less than {$400.00} between the XXXX, thats it!! And my XXXX is XXXX monthly. I 've paid them {$620.00} for the appraisal and also paid XXXX homes {$1000.00} for a deposit. I knew before even applying that they could use just my XXXX income, but they kept telling me " no '' you have to have a job. Who was I to question the loan officer, they should know this info more than I. I 've had issues with the loan XXXX from the very beginning, by him not answering my emails or phone calls. I complained about my treatment to Wells Fargo 's board of directors on XX/XX/XXXX and have spoken with XXXX XXXX. She was great in following up with me and after that..the loan officer finally sent me an email giving me the steps of the mortgage process, because I never knew what was going on. I sent Wells Fargo an email yesterday stating that I will pursue a lawsuit if they do n't reopen my application and move forward with the loan. She called me this morning because I had left her a panic stricken phone message on Friday, thats the day the loan officer called me to say they declined my application. She was n't calling about the email, but the phone message i 'd left. She said she would try to hunt down that email and then get back with me.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$23000.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXXXX Balance : {$62.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$630.00} XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I got scammed on XXXX. Realized it was a scam when I sent confirmation immediately and seller ask for confirmation. I called Wells Fargo immediately to flag the funds since they did not notice yet. Wells Fargo will not reimburse me.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXX {$1300.00} Open Date XX/XX/XXXX XXXX XXXX {$1600.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$2200.00} Open Date XX/XX/XXXX XXXX Balance {$2100.00} Open Date XX/XX/XXXXXXXX XXXX  Balance {$930.00} Open Date XX/XX/XXXXXXXX XXXX  Balance {$260.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$140.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$0.00} Open date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was informed by my credit monitoring service that my Equifax score dropped XXXX points. I the only recent changes to me credit file was that I PAID OFF an auto loan. On XXXX I contacted Equifax by phone at which time I asked them what had caused my score to drop from XXXX to XXXX and I was told that my score was not XXXX and that I had been misinformed by my credit monitoring service. I then opened an Equifax account so that I could see my score directly from them ... ..and it was XXXX. I then called Equifax back and was told that they could not see anything in my recent credit file that would have caused my score to drop. They further stated that scores are calculated by their computer and there was no appeal process ... .so whatever score the computer assigns you, you're stuck with it. I am sure this CAN NOT be accurate information. I need to have a HUMAN to check my credit file and correct my score based on what's in my file.
Product: Money transfer, virtual currency, or money service

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Experian Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove INQUIRIES that were opened without my knowledge, consent, or authority within 4 business days with ( 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. If the Credit Bureaus do not comply with the requests, I have no choice but to pursue legal action. I need the following INQUIRIES deleted as soon as possible : XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 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
Product: Credit reporting

There are accounts in my credit report that do not belong to me and Experian is ignoring my requests to investigate and remove the accounts from my credit report that do not belong to me.
Product: Debt collection

4 months ago i was in an car accident and afterwards I started receiving calls 1 month later. The calls states that they would have me arrested, suspend my license if i didn't pay. I disputed it but the final straw was they were sending someone to arrest me if i didnt agree to payment arrangements. I only did it because I thought I was going to jail. I do not owe them any money but paid until i found out that i'm not the only person they've zone this to. I do not owe them anything. And i signed and made payments under the impression that they could have me arressted. They also said my license were suspended even made me get SR22 insurance and i have recorded phones of all their THREATS
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX XXXX due to the payment history is not accuracte. XXXX denied to follow up with the invertsiagtion. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immedidatly as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as a federal laws.
Product: Credit card

Capital One credit card complaint. Received card during 2014 and a late fee would be assessed at any point where monthly payment was made before due date. Payment had to be made few days before due date or on the exact due date or else it would be considered late. In addition, a one time charge was made to a company called XXXX for {$19.00}. In actuality this charge appeared on charge card statement every month after that. Finally closed account because of the company not being able to handle this problem adequately and charging me for deceptive charges. Although I changed account number and got a replacement card, these {$19.00} charges kept appearing on the new cards. I had been instructed by the credit card company to get new acct number and replacement cards and problem was not resolved. The credit card response as to how these charges were continuing to appear on new credit card acct number and replacement cards is that it was out of their control.
Product: Payday loan, title loan, or personal loan

Hello, I wanted to contact you because I believe I have been a victim of fraud, not sure. I was in an emergency and was applying for a funds through a third party network. In the midst of needing help- I think I may have fallen for a scam. The person gave me the following information Freedom Financial Asset Management , LLC, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX loan officer. He told me they needed to up my credit score XXXX points so to purchase a gift card with fund they deposited. I did so- thinking it was part of process. I didn't initiate any reversal for the payments I see on my card at the moment. I asked for a copy of the agreement and nothing has been sent. Id like to report this and if I need to do anything? I do not want to end up in legal issues- I didn't authorize reversals for the charges im seeing being reversed. I asked for the copy of the agreement and waiting on it. will send as soon as I get it. Im not sure who to contact in case this ends up being fraudulent, thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States, clearly, I have the right to privacy. ( It's the LAW ).

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. ( It's the LAW ).

All Rights Reserved.
Product: Credit reporting

I attempted to dispute something on my credit report with Experian online. They made it yet especially difficult for me to dispute online. Each time I attempted to dispute online, I was advised I needed to mail a copy of my ID and other form of ID to them simply to file a dispute. Also, I wanted to permanently remove a security freeze on my credit report again this was difficult as I had to provide a time frame for which it could be replaced back onto my credit file. I wanted it permanently removed Credit reporting companies know what they are doing and simply take advantage of consumers and make things so difficult for people these days. I also have XXXX XXXX XXXX accounts I never initiated or applied for on my credit with Experian. The other XXXX bureaus have thus removed this from ny credit report but Experian has not done so and I do n't understand as to why. These are my grandmothers accounts and are not mine.
Product: Credit card

Barclaycard without warning decreased my credit line by {$4000.00} thereby negatively impacting my credit score. The action was done without regard to my income and ability to repay. The action was arbitrary and capricious. They did not communicate with me in advance They did not identify if there were areas of concern. They did not ask for documentation of my income. They just sent a letter reducing my credit limit from {$5000.00} to {$1000.00}. My balance was less than {$500.00} a significant portion of which was on 0 % interest promotion. I assume because I did not " make them more money. '' They saw fit to ruin the relationship I had with them.
Product: Debt collection

In XX/XX/XXXX, I pulled my credit report using a credit monitoring service. Upon pulling my credit report I found that Diversified Consultant had placed an account on my report as a collection item for the amount of {$510.00}. On XX/XX/XXXX I sent a letter disputing the debit via certified mail, pursuant to 15USC162gSEC.809 ( b ). I never received any communication from Diversified Consultants nor did they provide any documentation, or proof of the debt. On XX/XX/XXXX I called Diversified Consultants at XXXX and spoke with a representative named of XXXX XXXX. XXXX confirmed that they had received my request, and had not responded to it. She noted that they do n't send off any information, that the account was closed out as a dispute and then sent back to XXXX. XXXX then stated that XXXX charged off the debit and they ( Diversified Consultants ) received the account again. When I asked why they are reporting this debit on my credit and they have not provided with the information requested she said she would mark the account as a dispute in her system. I am filing this claim as I have disputed this debit twice, and have yet to receive any documentation requested, yet Diversified Consultant has this account listed on my credit report as a collection account. I find Diversified Consultant in violation of the FDCPA section listed below. 
809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the
Product: Debt collection

I attended XXXX XXXX XXXX back in 2022. I only went for orientation and passed one class with a B+. There was a charge of {$1700.00} that was sent to collection in 2022. Recently with in the past week a company called Sequium Asset Solutions did something like a loan or bought my debt. Which in case caused my credit score to decrease by XXXX. I called the company to det up a payemt plan but was unable to provide me with a reasonable payment plan. It sounded more like a scam to me
Product: Debt collection

Collection Receivable Inc keeps contacting me after i've sent them a cease and desist letter back in XX/XX/2020, and i've sent them a debt validation letter that they have yet to respond to. They are in violation of the FDCPA. Today i received a call from a lady from Collection Receivable Inc. She called me from XXXX. She was nasty to me and using profanity and making threats. Collection Receivable Inc is practicing unfair and unethical debt collection practices. They have ignored my cease and desist letter, and they have yet to validate the debt they claim i owe on account number # XXXX with a {$150.00} balance with a {$55.00} which makes it a total of {$210.00}. Below is the cease and desist letter i sent and the debt validation letter i sent. If Collection Receivable Inc does not stop calling me and remove the collection account from my credit report i will seek to file litigation against Collection Receivable Inc and seek monetary damages. see letters below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Collection Receivables Inc, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 Re : Account # XXXX To Whom It May Concern, Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family, friends or my employer, in relation to this or any other alleged debts you claim I owe. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Attorney General of Georgia. Civil and criminal claims will also be pursued. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Collection Receivables Inc, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 

Sincerely,
Product: Debt collection

in accordance with the Fair Credit Reporing Act this creditor has violated my rights under 15 Usc 1681 section 6o2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt nor therefore any such debt in fact exists|
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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