23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

My name is XXXX XXXX. My mother, XXXX XXXX XXXX, was phone scammed. They took her for {$2700.00}. She sent an additional {$1000.00} however, she did get that back. More education of the XXXX needs to be conducted. My mother is XXXX years of age. She has learned her lesson. 

The attached documents show the notes that my mother wrote about who was calling. The next XXXX documents show the Western Union transfers that were cash by the scammers. The next XXXX documents show where she sent the money ( {$1000.00} ) but got it back.
Product: Credit card or prepaid card

On XX/XX/23 I received an email from Capital One for a exclusive higher ESB for being a loyal customer ( I have a checking and savings account at Capital One ). The offer offered {$300.00} ESB instead of the usual {$200.00} for Quicksilver. I applied and was rejected. Why would Capital One email me for a special offer if they were going to just reject me? I had no plans to apply for this until I was solicited and this just seems like a bad way to treat your " loyal '' customers. I have now been rejected from 3 Capital One cards but I literally work at Capital One. The first 2 times it was because I didn't have enough credit history and this time it's because I have too many cards. I'm annoyed that Capital One has docked my credit score 3 times now ... and this time they solicited me to do so.
Product: Checking or savings account

Think someone else is in my account and getting payments bc I have not received the first payment... .I need help
Product: Credit reporting or other personal consumer reports

Ive been working on this for 4 months going on 5 back to back.. Ive sent letters to bureaus for months and nothing has happened, Im struggling and get anything in my name Im being denied for everything. If actions are not taken immediately Im going to sue for every violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in the below letter on XX/XX/2023 and was never given a response. 

This letter serves as a formal complaint that you are reporting inaccurate information on my credit report. The notation of the following late payment on XX/XX/2023 is inaccurate. Please investigate and verify that the data for this account is reporting accurately. 

Account Name : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX I also respectfully request to be provided PROOF of this alleged item, specifically PROOF that this payment were in fact late. By the provision of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history for XX/XX/2023 to current/terms met and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

It is my understanding from the Fair Credit Reporting Act that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report with and updated payment history to current and my status to paid as agreed and never late
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC section 602 states i have the right to privacy.

15 USC1681 section 604 A section2 : it also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Consumer Loan

I paid my auto loan within the 10 day grace period and the company still assessed a late fee.
Product: Debt collection

CASHCALL INC Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$2600.00} written off. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX a few years ago CASHCALL INC reported this fraudulent collection on my credit report. When asked to validate they send me blank -UNSIGNED contract that has name of a person similar to mine. As I disputed they stopped calling me but now I show they are still reporting this erroneous collection on my credit report. When I called to dispute this account they stated they were taking me to court on this account I did NOT open back in 2012 ... isn't this illegal to do? now they stated they are planning to garnish wages and are offering a settlement for account that is not mine in first place and they could not provide proof of this debt or my signature of this debt..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account XXXX XXXX Account Name XXXX XXXX  ( Original Creditor : XXXX  ) Account # XXXX Account Name : XXXX XXXX ( EQUIFAX ) Account # XXXX Account Name : XXXX  Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name XXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/XXXX in which XXXX XXXX was included as a part of my debt. The bankruptcy has been discharged, but XXXX XXXX has continued to report on my credit report as late, it was reported to Experian as late on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. That information if not correct, they should have no longer been reporting to my credit.
Product: Credit card or prepaid card

I opened inquiry-dispute more than 30 days now on my account card after not receiving the service I paid for ... credit company told me it will be credited to me numerous times now ... including calling and speaking with supervisor that promised me all taking care of ... nothing has been credited to my account... I want to open a lawsuit against my bank so they will not credit that dispute and keep lies to me on the phone when I calls each time ... .as ALL credit cards companies ... any dispute needs to be resolved 15 days and not that longer time my back holds it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX : # XXXX, Account name : # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back. 
They say they are " XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a 99 % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in XXXX. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I sent in my application for Private Loan Discharge on XX/XX/XXXX and still have not heard back from Navient. 

Email stated : Please see my application attached and supporting documents. 

Please let me know if you have any questions. 

Sent XX/XX/year> with supporting documents ( attached ).
Product: Vehicle loan or lease

I purchased a vehicle from CarMax in XX/XX/2021. I made every payment on time and paid 50 % towards the principal. I am currently working with a mortgage broker to purchase a home for my family because my lease is up on XX/XX/XXXX. However, CarMax hasn't reported to the credit bureau since XX/XX/2021 so my report shows that I still owe over {$13000.00} which is entirely inaccurate. I have contacted them three times to correct this and they still have not. I have another person on my account and their credit report was updated but mine is still inaccurate. This is preventing me from purchasing a home and if it isn't rectified immediately, my children and I will have nowhere to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I made calls to EQUIFAX and requested some incorrect and outdated personal information be removed and they obliged helping me. I also questioned the validity and accuracy of certain accounts and information but conveyed that I would send my request for an investigation in writing through the postal service which I did and received a certified receipt for. In my dispute a copy of which is enclosed I sent 3 forms of proof of identification. a copy of my driver license and 2 updated bills with my name address and other matching information. In response to my dispute accounts ( XXXX XXXX as verified but my name is different from the name in the response to my dispute which is listed as ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX ), ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX ), ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX, ) the name on the file is a similar but different name so how was a reasonable investigation done to ensure my rights? Due to the fact that there is a Different name on the response EQUIFAX sent me makes the re-investigation invalid and my RIGHTS VIOLATED also violated because the address for the XXXX account in XXXX said the company had moved when I tracked my letter so an unreachable address being reported as a way to reach the creditor is false and misleading. XXXX and XXXX accounts are reporting different addresses to each consumer reporting agency the information is, in fact, inaccurate. These accounts were disputed and I have not received the requested documents that I'm due by the requirements of the law. The reporting of this innacurate information has caused severe damage to my character and is hurting my ability to obtain a home and better life for me and my children and I am forced to work much harder for longer hours because I am being misrepresented by these companies like EQUIFAX that is blatantly violating my rights as a consumer. They failed to conduct a reasonable investigation and I would like to know what accounts are associated with the incorrect name because that's the name on the updated consumer report you sent me in response to my dispute and I would like complete information for each account because a lot of information is missing such as dates of last payments, payment amounts, creditor classifications, credit limits, charge off amounts, dates closed, dates opened, term duration for installment accounts, credit limits, recent payments. I am a hard working mother who is already a victim of the Equifax data breach and now this abuse continues. civil liability is owed to me due to my federaly protected rights being continuously violated and I'm Due {$1000.00} per violation. thank you for your acknowledgement of this matter
Product: Credit reporting or other personal consumer reports

I have received a hard inquiry for applying a credit card for Bank of America. I never applied for one! Please remove this hard inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to remove this incorrect information off my credit report as it is slowing down my process of succeeding & not only that the information is not mine nor have a got ta validation or it has been verified and its been over 90days of disputing.. please help immediately Caine & Weiner is the account for {$660.00} ..
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and have been made aware that it is reporting that I have a 60 day late payment on an account that was never late. To my understanding consumer reporting agencies have the duty of reporting consumer information accurately to the best of their ability. I have never been late and a 60 day late payment for on date XX/XX/XXXX is blatant inaccurate reporting. Please investigate provide proof, preferably with statements showing that this payment was late. Alternately, if proof can not be provided I demand that this payment be updated to " paid as agreed, on time '' as they should to reflect accurate reporting on my consumer report. Thank you I have attached a screenshot of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and discovered 4 open accounts XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX collection. These accounts haven been open without my permission I have no relationship with any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to each credit reporting agency and also called. They did not provide me with any information or help for these unauthorized inquires : 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, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY WITHOUT MY KNOWLEDGE THEY RECIEVE MEDICAL ATTENTION ALSO SUMMITED FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT AND KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

Proof of payment not applied to the account. 
Payment made on XX/XX/2020 in the amount of {$640.00}.
Product: Checking or savings account

In XX/XX/2022 I received three notices from TD Bank of new accounts opened in my name. I contacted TD Bank and advised them these were fraudulent. I was assured the accounts would be closed. 

On XX/XX/2022, I received letters that the accounts were overdrawn. I again called to make sure the accounts were closed and TD Bank assured me they would close the accounts. 

Today ( XX/XX/2022 ) I received another set of letters advising that the accounts were overdrawn. I refuse to call TD Bank AGAIN because it takes an inordinate amount of time to have them return my call and they apparently aren't doing anything to close the accounts. 

It is ridiculous how easy it is for fraudsters to open accounts and TD Bank is failing at their due diligence to ensure the accounts are legitimate.
Product: Credit reporting or other personal consumer reports

Request for information SUN LOAN COMPANY XXXX
Product: Debt collection

The debit thats reporting on my credit report I noticed I called and I was told I can pay the debt by the company set up payments. Days later I was told due to state laws and regulations a payment cant be accepted after I was told I can pay debt. Also I was told by the company they was working to get this account removed and so on and its been two years still hasnt been closed out.
Product: Credit reporting or other personal consumer reports

I am writing in regards to the above referenced debt to inform you that I am disputing this debt. 
Please verify the debt as required by the fair debt collection practices Act. 
I am disputing this XXXX XXXX debt because I do not owe it. XXXX
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 : {$250000.00} XXXX XXXX  XXXX Balance : {$0.00}