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

I was sent through my University of XXXX XXXX email about a " XXXX SURVEY APPLICATION JOB '' on XX/XX/2021. I emailed back under the impression that it was a job through my university. The instructions were to receive a check ( {$1800.00} ), purchase XXXX XXXX related supplies, send the remaining and keep {$220.00} compensation, send back remaining funds, then carry out survey. I received a check via mail via XXXX  and cashed it to my bank. It was not until the check bounced after I sent back the remaining funds that I realized I was scammed. 
I was emailed by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Check was from The Fund for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX {$220.00} was kept in my account. 
I used funds to follow instructions of purchasing XXXX XXXX  related items ( to later distribute and conduct survey ) Sent two {$500.00} payments to XXXX XXXX XXXX through Wells Fargo XXXX on XX/XX/2021 and XX/XX/2021. 
Remaining amount of {$530.00} was sent to XXXX XXXX XXXX via XXXX. 

I called Wells Fargo to report the fraud. They reported it, however, I was to still pay the funds back and they would not take any further action without a police report. 

I called three XXXX stations and each one of them rang until it went to voicemail or call ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i paid off a XXXX car loan XXXX i requested to have that loan updated because they still had i owed XXXX $ on it XX/XX/2020 they updated it XX/XX/XXXX they deleted it off my credit report and lied to XXXX XXXX XXXX XXXX and said i wanted to be removed thats the farthest thing from the truth. So that same day i cancelled my membership with Experian cuz im not paying XXXX $ a month for them to ruin my credit im trying to buy a house and they are trying to prevent this from happening. I have proof that XXXX XXXX XXXX XXXX HAS BEEN REPORTING THE PAID AUTOLOAN AS PAID OFF. But Experian refusing to put it back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX XXXX that this recently showed up on my XXXX and XXXX credit report. I viewed my credit report and it shows a collections item from Midwest Recovery Systems. The account was opened on XX/XX/2018 ( 3 months ) and the original creditor is XXXX XXXX. The amount is for {$350.00}. I never requested any payday loan on or around this date from this company. I haven't had any payday loans in over 5 to 7 years. I feel as though this is a result of identity theft and/or fraud. 

Creditor Information Provided by XXXX XXXX is : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Mortgage

Re : Account # XXXX payment history reported to all three major credit reporting agencies, which is encircled on the attached copy of XXXX   report. 
Based on my records, the 180-days past due occurrences reported as of XX/XX/XXXX through XX/XX/XXXX are inaccurate. These payments were suspended at Pennymacs recommendation during the process of setting up a trial loan modification and extension, as I was advised the payments must be delinquent and the loan in Default in order to qualify for the program and any missed payments would be added to the end of the loan. Pennymac then repeatedly lost the modification application paperwork submitted by us, requesting us to resubmit everything multiple times. We now know these activities were in direct violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Once regular payments for this modified loan commenced in XX/XX/XXXX, I established a very strong record of punctuality through all 16 months of payments since. Payment s during the setup of the modification program should not be reported as past due, as they really were not even due. Furthermore, this loan was not opened with Pennymac in XX/XX/XXXX as reported to the agencies, but in fact did not start inprocessing until XX/XX/XXXX. Any payments after that date were held up at Pennymacs behest and were through no fault of my own ; therefore, these past due payment items reported to all three major credit reporting agencies must be removed immediately. Also, I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. Pennymac has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine, and require more information of me instead ( examples attached ). To  properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. Pennymac has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o,  subject to a {$1000.00} fine for each instance.
Product: Credit reporting, credit repair services, or other personal consumer reports

have held a XXXX VISA card for many years with a {$50000.00} credit limit. Two weeks ago, I applied to XXXX to increase that limit to {$100000.00} and provided them with current income figures which are more than enough to justify the increase. However, Equifax obviously did no research into my financial situation but merely said " ... the outstanding debt on your credit accounts is too high ... ''. In fact, the ONLY credit account I have is the same XXXX  card I was applying to increase. I have a net worth of over $ XXXX, have never had one overdue bill and absolutely no debt whatsoever other than that XXXX VISA card. 
As a result of Equifax 's shoddy work, I expect that my credit rating will suffer. As a result of their actions, I have applied for another credit card with a {$100000.00} limit and am convinced that, if I am refused that limit on this new card as well, it will be as a direct result of the Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NEGATIVELY IMPACTED BY THE COVID 19- PANDEMIC AND I AM REQUESTING THAT YOUR COMPANY REMOVE ALL LATE PAYMENTS FROM MY CREDIT REPORT PER THE HERO ACT ( SECTION 110401 ).
Product: Credit reporting or other personal consumer reports

I am filing this complaint again. Going back to XXXX  I was told I would get a ONE TIME courtesy- I was still reported late! In XXXX of this year an extension was done- that satisfy XXXX 's payment. They have reported me late for XXXX! I have called several times and was told that it would be updated for me to dispute it directly with the bureaus. This is improper use of my credit report as this is not accurate! PLEASE REFER TO THE NOTES ON THE ACCOUNT- SENDING LEGDERS DOES NOT SUFFICE AS TRUE EVIDENCE!! 

PLEASE SEE THE SNIPPET OF THE EXTENSION THAT WAS SIGNED THIS YEAR FOR XXXX. THE PAYMENT WAS MADE IN TIME AND I WAS STILL REPORTED LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a fraudulent item on my report from XXXX XXXX XXXX was removed from Equifax. I reviewed my report XX/XX/2020 and the item has been reinserted. I provided Equifax with the FTC Report an other requested documentation and I received no notice of it being investigated nor was I notified of it being reinserted on my file. I spoke to 8 different representatives before speaking to a lead named XXXX in Consumer Affairs at Equifax, she indicated that I would have to re-dispute the information all over again. When I disputed the the item 2 years ago initially they provided this company with personal information of mine that the company would never had and they refused to provide me with how the debt was validated or documentation. When I requested a Manager she acted as if she could no longer hear me and sent me to a survey. I spent a total of 5 hours just trying to speak to someone regarding this. 
I need guidance and assistance. Equifax has to stop violating the rights of American Consumers.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$5000.00}
Product: Debt collection

Diversified Consultant continued to report this as collection to the credit bureau. This account they are trying to collect has been already closed with the original creditor. This collection company is still trying to collect this so called unpaid debt without verification with the original account. Collection agency can not show any verification or validation that the account is valid for collec tion.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX USED CAR XXXX XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX
Product: Checking or savings account

on XX/XX/23 I purchased a cashiers check of XXXX from M & T bank XXXX XXXX XXXX ( I had over XXXX ) in the account. I deposited the check at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
I went to withdraw funds from XXXX XXXX  XX/XX/23 and there was a fraud alert on my account because M & T " did not honor the cashiers check '' which I always thought was as good as cash. 
I went back to M & T bank XXXX XXXX XXXX and the Manager told an elaborate lie of how it is not their fault and XXXX XXXX is to be blamed. The new teller who did the initial transaction stated that he made an error and withdrew from a closed account, the manager shut him down and insisted it was not their fault and asked me to go back to XXXX XXXX. Although I made the manage aware of the seriousness of what is at stake, he was rude and not helpful. 

Two weeks later, I still have XXXX taken out of my M & T bank and I don't know where the funds are, XXXX XXXX has closed my account accusing me of being a fraudster.

I work so hard for every dime in my account and I need help in resolving this issue.

1 ) To retrieve the XXXX from and M & T 2 ) Restore my bank account with XXXX XXXX and let them know that I did everything right and i'm not a fraudster.

3 ) I'm asking for help because I know M & T will not help me. Unfortunately my experience with them has not been that great. Please help me I feel devasted and have been very stressed with this situation. I will appreciate any help I can get from anywhere.
Product: Debt collection

They call my dad and say it is XXXX XXXX calling because a formal legal complaint has been filed against me and if he or I do not call back that they will have to get the police involved to find me. I call their number, XXXX. I am my dad 's XXXX and with him all day. This caused unnecessary stress for us both. I called the number and it is XXXX XXXX. They are a collection agency that demands payment immediately by credit card or they threaten you with court and jail time telling you that you committed a crime. We had a call exactly like this 5 months ago where we reacted to the fear tactics and we paid off more than {$600.00} for a supposed pay day loan that I never took out. I will not pay another fear mongering debt collector for a charge that is bullied and not mine. I especially ca n't get past them trying to scare my dad with the way they leave their messages and try to pretend the person they are calling about is about to be arrested if not for immediate action. I honestly do not know if this is connected to the company I dealt with over the supposed payday loan months again but their tactics are identical. I ca n't help feeling they are the same company or connected to them. Please help put a stop to this type of fear and lie based calling of relatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint of Experians negligence and misconduct on the credit report of my XXXX XXXX XXXX  account open status Todays date : XX/XX/2020 There has been a huge repetitive error on my credit report and it needs to be correct immediately. 

Attached please see XXXX XXXX XXXX statement on my account status as open. 
This account has been opened for years and has never been closed. According to my conversation with XXXX XXXX today, they sent to Experian monthly update on XXXX of each month and reported my account status either as open or closed, account balance and such. 

According to Experian report on my credit, this account was closed in XX/XX/2020. 

Apparently, there was a mistake and miscommunication occurred in the process. And it occurred over and over each month. Even though I filed dispute with Experian on XX/XX/2020. The results came back on XX/XX/XXXX still keeps the same mistake and inaccuracy. 

The inaccuracy has negatively impacted on my credit score significantly, including the credit limits, debt and utilization. The misconduct of Experian has been doing an extremely huge harm and jeopardizing my credibility. I am losing my new job offer because the inaccuracy of data and negligence from Experian. It is posting a big threat to my career and I simply can not afford that happen any longer. 

To protect my right, I am reporting this incidence to Consumer Financial Protection Bureau ( CFPB ) today, XX/XX/2020, to request for immediate investigation. 

I sincerely request Experian to correct the error and update my account status as open immediately. And also correct the error that account closed in XXXX. If the account is not updated in 24 hours, I will seek further legal action. 

Your attention to the matter is greatly appreciated. Thank you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/15 Balance : {$270000.00}
Product: Credit card or prepaid card

This is the credit card American Express the account was close by the bank because the charges were no mine and they want to be responsible to make payments for the Charges on the card I called them then everything they dont seem to take it or remove it from my credit bureau
Product: Debt collection

I CANCELLED WITH XXXX XXXX  YEARS AGO AND LEFT WITH A XXXX  BALANCE. I PAID OFF MY MOBILE PHONE WHEN I CANCELLED SERVICE. I'VE REQUEST FROM AMSHER COLLECTION SERVICE TO STOP CALLING ME DURING WORK HOURS AND HARRASING ME. I'VE ASKED THEM TO PROVIDE THE CONTRACT, CANCELLATION TERMS THAT I SIGNED, ALSO THE LIST AMOUNT OF CHARGES THAT THEY ARE CHARGING ME FOR. THEY HAVE REFUSED AND DID NOT REPLY TO MY MANY LETTERS. THEY INSTEAD HARRASS ME WHILE I'M AT WORK. WHILE ALSO REFUSING TO COMPLY WITH THE LAW AND ADD SOMETHING ON MY CREDIT REPORT FOR WHICH THEY ARE NOT PROVIDING EXPLANATION IN DOCUMENT/PAPERWORK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evening, I'd like to inform you that I have submitted personal dispute letters regarding my credit reports that I recently obtained. I have received none stop high APR credit card offers in the mail & I do not think it is fair or legal to invade my privacy far as having this sort of information being reported inaccurately on my credit report. I sent in a letter asking the credit bureaus to investigate this issue & they sent me back a letter stating they needed more identification to prove I was really who I am, I sent in my Driver Licenses, SS Card, Proof Of Mail, and they wanted to make sure I wasn't a Credit Repair Organization? It is not illegal for me to obtain Credit Repair from an Organization according to the FCRA. The letter is provided below & I would like for this issue to be fixed asap as it is hindering me from obtaining credit during this Recession.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my XXXX  time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Money transfer, virtual currency, or money service

I went to XXXX XX/XX/2021 for two years while I was in XXXX someone hacked into my bank account and transferred money from my bank account at Bank Of America using XXXX I found this out when I got my a power of attorney to be able to send me money while in XXXX that my account was frauded I tried to contact the bank on several occasions but couldnt get into my account due to not having the proper credentials due to the fraudster changing my information I tried to have my power of attorney make a claim but the bank would not let them and said I would have to do it when I got home this person explained to them that I would still have to come in there myself due to the activity on the account so I finally got XXXX two years later and filed the claim I provided them with a police report number and all the transactions that where fraudulent they denied me about 4 days after the complaint stating that laws governing electronic transactions the consumer has one year from the date of an unauthorized transaction to recover any loss from their financial company I called and reopened the case and sent in proof of XXXX that same day I did that I got another email stating that laws governing electronic transactions is that the consumer has one year from the date of an unauthorized transaction to recover any loss from their financial company I have been trying to explain to these people that I had no way to make the claims due to me being XXXX and provided proof and they still closed my case again and not trying to refund me my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX  XXXX  XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$1100.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX VA ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX  sent me a letter that I owe them XXXX I have never had them and to assume that it is mine is illegal without verification