23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a order to reinvestigate my credit report for the following items and have not received anything back in the last 45 days According to Consumer Law, These agencies are required to complete investigations within 30 days or the items MUST be removed. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX**************** XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX***************XXXX XXXX XXXX XXXX Account Number : XXXX**************** XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/year>, I fell victim to a XXXX XXXX operation orchestrated by XXXX XXXX ( the XXXX ), with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and/or sale of XXXX and XXXX XXXX XXXX  services, all of which aim at contributing to the goal of XXXX  and XXXX clients through a XXXX cycle of the XXXX XXXX to XXXX.
Product: Debt collection

Both the collections accounts on my report or not valid they are supposed to have been paid by alabama medicaid and were obviously billed wrong. I have tried disputing them around XXXX and XXXX last year but keep reporting now im being turned down for a mortgage due to medical collections.
Product: Payday loan, title loan, or personal loan

Tower loan added on a roadside assistance plan to my account. I asked them to remove this at the time of the loan but they didnt. I now have trouble making my payment due to covid but they refuse to refinance or remove the roadside assistance. They also have called my family the doesnt live in the house and told them I need to call and make payment immediately. I thought it was illegal to discuss my debt with anyone besides me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I cosigned a loan with Lloyd 's Plan in XXXX XXXX Iowa. The Loan was extended in XX/XX/XXXX and my mother defaulted on the payments. At that point I recvied no contact either by phone or mail from them. They garnished wages from my mother and I was never notified of any issues with payments. They said they mailed information but I never recvied it. Nor, did I recieve a call. 

On XX/XX/XXXX I spoke with XXXX at the office. She even stated that it was completly mishandeled and wanted to do something to help me. I called and spoke with an office manager named XXXX who was not helpful at all and basically said oh well and it was my responsibility, not thiers to keep up on it.
Product: Debt collection

The account trying to collect a debt from me was involved in litigation and filed for bankruptcy under Chapter XXXX. I never took out a private loan with XXXX XXXX college or Under XXXX XXXX XXXX!! This has already previously been removed from my credit in the past but has somehow managed to pop up on my report again and has negatively impacted my hard earned credit score.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I initiated a money transfer on Xe.com between my own US bank  account and my own XXXX bank account ( transaction ID XXXX ). They said that the {$30.00} US dollars I sent them would amount to XXXX CNY ( Chinese yuan ) on the receiving side. As specifically instructed by their website I entered my own first and last name only ( XXXX XXXX ). 

After a significant delay ( XX/XX/year> ) they informed me that the transaction had been rejected by the receiving bank due a name mismatch with an XXXX CNY fee deducted ( about {$11.00} ). Having already lost a significant amount of the transfer, I asked them to clarify what the issue was since I had followed their instructions exactly. They provided no guidance on how to proceed and told me to ask the receiving bank instead. Not trusting them at this point, I asked them to return the remaining amount to the original US bank account. I received a transfer of {$18.00}. 

I believe the problem with this transfer was that it was to a XXXX bank account, which uses a different name order and was likely looking for a full match in reversed name order ( e.g. " XXXX XXXX XXXX '' ). However, I followed Xe.com 's instructions believing they were accounting for such issues if they were sending it to a foreign bank. I do not believe Xe.com is competent to transfer money to a XXXX if they can not account for such simple issues. Their negligence in providing wrong instructions cost me {$11.00} with no funds transferred to the intended destination.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Information Solution Inc credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  - {$3100.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$31000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX {$15.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX I C XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX  XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX {$500.00}, XXXX XXXX XXXXXXXX XXXX XXXX {$490.00}, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized credit inquiries appearing on my credit report. These inquiries were made without my authorization or consent. I request that the following inquiries be immediately blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because the accounts and personal information being reported are not mine, I have made repeated requests to creditors and credit bureaus to have the false information examined and removed from my credit reports. I have received responses stating that the accounts are valid, but I have not received information on how they received their decision or the information receivedto verify.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian with the Consumer Financial Protection Bureau ( CFPB ) due to their failure to respond to my dispute. 

On XXXX, I mailed a dispute letter to Experian via XXXX with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The letter was delivered on XX/XX/XXXX. However, despite the delivery confirmation, I have not received any response from Experian regarding my dispute. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus like Experian are required to investigate consumer disputes within 30 days and provide a response. Experian 's failure to respond to my dispute within the mandated timeframe constitutes a violation of the FCRA.
Product: Credit card or prepaid card

Cash App- Back in XXXX I made purchases from XXXX for grocery delivery. My groceries were delivered and XXXX was paid. 

XXXX now and Cash App double withdrew the funds from XXXX in XXXX. I contacted XXXX to confirm they recvd their funds in XXXX. They confirmed. 

I reached out to Cashapp and disputed and sent proof XXXX does not or has not requested to be paid again as the debit was already settled. Cash app declined my dispute and when I requested information as to their investigation they couldn't provide me with information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX XXXX  and I seen there were some accounts that were not mines and need it removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 I ( a ) ], these disputed items must be investigated or deleted from my credit report record within 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to debt validation constitutes collection activity. I am also requesting my name and correct address and telephone number updated every move any other name and addresses and telephone numbers that do not belong to me I have reported my information the OPT in OPT out. The following account  in dispute are listed below XXXX XXXX XXXX  I have contacted them and stated I never paid nor requested items from that company they provided me with a bill which proves I never did business with them it's a bunch of miscellaneous charges I will post document below
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Debt collection

I received a notice of garnishment. this company did not properly service me they have my correct address as i look thought the paperwork it clearly shows both address old and new address. i was not aware of this summon back in XXXXI will like for this summon to be withdrawn. Amount XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

It is evident that these fraudulent accounts were orchestrated with malicious intent, as they were intended to harm my personal credit and financial well being.

Please DELETE/BLOCK THIS INFORMATION IMMEDIATELY! 



Please block the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I started the refinance process with 5/3rd ( they previously held my note ) back in XXXX of 2020. We finally closed on this mortgage a couple months ago. I was told by the sales rep XXXX XXXX that the amount was XXXX a month and maintain my existing years left which was 27. I later discovered that he switched my time frame back to a 30 year and showed me different paperwork. During the underwriting process I still paid my mortgage every single month up until closing day. During this time 5/3rd was escrowing my biannual property taxes however failed to pay them to my township. My taxes are now 60 days late along with a 3 % fee being added. I have called 5/3rd about 15 times with 0 help at all. They said our tax department handles this but they have no phone number only an email and fax. I have emailed them multiple times with no response. I had one woman tell me to reach out to my closing team which included the sales rep and his assistant. I did hear back from the assistant who said she was helping but has since been fired/quit? XXXX has never attempted to call me and the mortgage services line said they have the money but wont release it because the tax department has to do this. Every person I have communicated with is completely incompetent and not willing to help, " its not my department I cant help you '' is all I hear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra defamation of character law by putting back on negative information is 5 days transunion, XXXX XXXX XXXX, lXXXX all responsible {$1000.00} each by law part ( a ) 5h ( b ) ( ii XXXX must notify creditors more than 30 days also reported this 60 days ago
Product: Mortgage

My loan is owned by CITI and they have XXXX servicing the loan. For the past XXXX years I have sent in certified check to make the payments to keep records of it and each month the payment amount changes. I have been sent a statement of what the insurance or tax will be and sent that check in also only to keep getting different payment amounts. I need someone to please get involved to see that this is not right. Please help me. Please contact for any information that you may need.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given XXXX XXXX whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Checking or savings account

The XXXX XXXX  stole money from my account for 6 months without my consent. How clear is that?
Product: Checking or savings account

I opened a new account with BBVA Compass on XXXX XXXX, XXXX, under a new account promotion where I would receive {$200.00} if I opened a new account and they received a direct deposit of at least {$300.00} within 60 days. 

I had payroll direct deposits of {$300.00} post to my new checking account on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

It has been 60 days since I opened the account and I still have n't received the {$200.00} bonus. I sent the bank a secure message, and I received the following response : We received your inquiry regarding the Direct Deposit Promotion. Please note that the qualifications for promotion are based off our discretion. 

I do n't think it is fair of them to decide to not pay my bonus, after I met all requirements, just because their promotion is based off their 'discretion '. I met the requirements of their promotion and believe I am entitled to the bonus. 

Thank you.
Product: Debt collection

I called CREDIT MANAGEMENT on XX/XX/2022 regarding the negative collection reporting on my credit report. Told the representative that the original creditor XXXX had reached out to me earlier in the year and a supervisor told me that there was no contract but only policy. I told the supervisor that that made no sense. I called them a couple weeks later and the representative seemed like she was about to send a contract to me but said there was none. Now when I contacted Credit Management, the representative said I need to provide a credit card number in order to dispute the collection. I told him that did not make sense. He said he understands but that is how they do business. So that's why I am filing this complaint. I have tried with XXXX to understand this bill and have also tried with this debt collector
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) due to inaccurate information, inconsistencies, and inadequate investigation concerning my credit report. Specifically, this refers to the account reported under XXXX XXXX XXXX. with the partial account number XXXX. 

Specific Violations Detected XXXX. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : - The account reflects a " Charge Off '' in XX/XX/year>, which is not reported by other credit bureaus. 

- The payment history is incomplete and inconsistent, showing " OK '' until XX/XX/year>, followed by a " Charge Off '' with no clear justification, and then blank spaces.

2. Lack of a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : - Despite prior disputes, the inconsistencies have not been corrected, indicating that Experian failed to conduct a reasonable investigation as required by law.

3. Inconsistent Bankruptcy Comments ( FCRA, Section 623 ( a ) ) : - The account is marked as included in a Chapter 7 bankruptcy, but this information does not align with reports from other credit bureaus.

4. mpact on Payment History ( FCRA, Section 605 ( b ) ) : - The irregular payment history with incomplete or inaccurate data negatively impacts my credit profile, violating fair reporting standards.
Product: Credit reporting or other personal consumer reports

I was out of the country for 2 months and they never put my payment to autopay as I requested before because i had no access to the app or website. I was never 30 days late so they reported inaccurate information on my credit report as late. The company has never reported once ever my on time payments. They are reporting inaccurate information on my credit report as 30 days late even though they gave me an extension for a reason and I was qualified for the extension. Please help me remove this inaccurate late report on my credit file on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX S Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry : XX/XX/XXXX Never gave permission to run my credit, I was never asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Experian supplied my credit report to XXXX XXXX XXXX XXXX without my permissible permission for a forged loan.