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

This is XXXX XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Debt collection

On Thursday, XXXX XXXX, at XXXX I missed a call from a number listed as XXXX XXXX AL XXXX XXXX ). A lady named XXXX XXXX stated in a voicemail that they were attempting to locate me in to receive my signature on bc of a debt on my XXXX. She stated if I was n't located this would result in a missed court date. 

I immediately called the number back but it connected me to a debt collection company called Weinman Acquisition Group ( XXXX XXXX XXXX, NY XXXX ). A lady named XXXX XXXX answered and started off extremely rude. She told me that I had to pay in full then in order to not be summons to court. She gave me her direct number as XXXX. She stated this debt was from a payday loan from XXXX, a loan I do not remember and she also added their fee to the total. I told her I needed to check into some things. She immediately asked in I could put a down payment right then. I said " No, I will call you back ''. She proceeded to ask when I was going to call her back because after a certain time she could n't stop the summons. I again told her I would call her back. 

After doing some research, I found some complaints against them that said they did to others exactly what they did to me so I called back to get some more info. This time a gentleman answered. I told the gentleman that I was n't very comfortable giving my info out but he interrupted me twice and stated very rudely that I did n't have to be comfortable. 

After doing more research, I decided to not make a payment to them over the phone. They had confirmed my address so I did n't know if someone was going to show up or not. No one did, someone was home all day, and we have security cameras to prove this. I am unsure if I owe the debt but the threats and scare tactics are out of bounds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, 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. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXXXXXX Balance : {$280.00} ; Medical XXXX Balance : {$180.00} ; Medical XXXX Balance : {$630.00} ; Medical XXXX Balance : {$930.00} ; Medical XXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; Medical XXXX Balance : {$190.00} ; Medical XXXX Balance : {$120.00} ; 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

Credit report display six late payments ( XXXX, XXXX, XXXX XXXX ). I have written the company a hand written letter via USPS in XX/XX/XXXX to get these negative remarks removed with no success. I have also sent and goodwill email to the CEO explaining the situation and was again told they could not removed the negative marks from my credit report. I explained to the company that during this time I unfortunately did not receive the bills consistently which resulted in me paying the bills late. Thank you in advance for your consideration and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of
reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Mortgage

On XX/XX/XXXX {$1400.00} was sent from my escrow account to XXXX XXXX, a company with which I have no policy or dealings. This payment was in error. {$1400.00} was the amount of my most recent policy premium for XXXX XXXX XXXX ( XXXX ), who I did have a policy with. Additionally {$1400.00} was sent to XXXX on XX/XX/XXXX, which was correct. In XX/XX/XXXX I contacted XXXX XXXX XXXX, which was loan servicer for Eustis Mortgage until XX/XX/XXXX, then Eustis Mortgage monthly from XX/XX/XXXX for resolution of this matter. I have been told each time that this issue is under review and that I would receive a call from a supervisor. In XX/XX/XXXX I filed an 'official complaint ' with the company and have not received a contact since then. I am seeking to have {$1400.00} posted to my escrow account.
Product: Money transfer, virtual currency, or money service

Informed cash app that I was scammed and I was scammed in XX/XX/year> for XXXX transactions. One for {$2000.00} and the other is {$3000.00} totaling {$5000.00}. This happened minutes from each other. Cash App was not able to recover my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX  Account # XXXX US DEPT ED, Account # XXXX USDOE/XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Credit reporting or other personal consumer reports

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

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 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 XXXX XXXX XXXXt # XXXX 15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 : Also states a consumer reporting agency can not furnish an 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.

16 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.

1681 a ( 2 ) A ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

According to the FCRA, late payments should not be reported as negative information. I have discovered multiple inaccurately reporting late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.
Product: Vehicle loan or lease

I put a down payment on my car back in XX/XX/XXXX for a {$9000.00} car. My down payment was {$4000.00} and as of XX/XX/XXXX Im still at {$8800.00}. I have been submitting all my payments on time ( {$260.00} per month ) sometimes more. There was a miscommunication with Credit acceptance. If I have known that they would charged me all this amount I would have never gotten the car.I think they used the fact that XXXX is not my native language. Please help.
Product: Mortgage

On XX/XX/19 mortgage application with Bank of America was processed and loan estimate was agreed upon both verbally (via phone) and in writing (confirmation for rate lock) at XXXXXXXX. However, the next day (XX/XX/19) it was requested that I write an email to loan officer falsifying that I had been offered same interest rate by competing bank in an effort to justify Bank of America extending and confirming their offer the day prior (XX/XX/19). This request was unethical as there had been no discussion about said competing bank offering the interest rate. When questioned about the request, the loan officer implied that this would be the only way I could get my desired interest rate and continue in my application process. When the loan officer was questioned about the previously discussed and confirmed interest rate from afternoon before (XX/XX/19) it was then discovered that in fact the rate had not been locked in and it would only be locked in if the email was submitted in writing for his records. This represented a very compromising position as I was in escrow and didn’t have much time to waste. However, I refused to falsify records for the sake of protecting the loan officer from the judgment of his colleagues and the leaders of mortgage sector of BOA. I requested that the bank honor the offer that was extended onXX/XX/19 but this request could not be granted. As a result of this unethical practice I ended my mortgage application with Bank of America and had to find another lender during the escrow process. It is unfortunate if this represents a common practice by banks to compete for business by requesting potential customers go on record with a lie to protect their officers. I would like to go on record with consumer financial protection bureau to make them aware of this unethical mortgage lending practice as it appears it may be common practice.
Product: Credit reporting or other personal consumer reports

please remove these inquires to be deleted because I didn't authorize these companies to run my credit.
Product: Checking or savings account

XXXX XXXX XXXX has a personal interest in the assets, funds, and property of XXXX XXXX ( XXXXXXXX )., which has it primary office at XXXX XXXX XXXX, XXXX # XXXX, Washington, DC XXXX. XXXX established a business checking account with M & T BANK. XXXX deposited monies into that checking account. XXXX stores its financial information, including account numbers, credit/debit card numbers, and access codes in its secure computer system. Though it was first believed that someone had broken into XXXX safe and stolen its M & T Bank debit card and access code it was later, after a thorough investigation, determined that it was not the actual card that was stole but rather the information on the card, which was stored in XXXX computer system. Specifically, on or about XX/XX/2021 XXXX computer system was accessed without authorization. Financial information was viewed and printed. Consequently, XXXX staff became aware that funds had been withdrawn from its M & T Bank checking account without its knowledge or authorization. A claim was filed with M & T Bank, based on the information available at that time ( which was incorrect in that the actual debit card was not stolen only its information ). On the following day, after M & T Bank received the claim, it denied it without any investigation into the incident. Internal investigation as well as police reports have been filed with the appropriate authorities. There were at least three unauthorized ATM transactions from the M & T Bank checking account. They total approximately XXXX dollars. M & T Bank has denied the request for the return of these monies. XXXX XXXX XXXX has an interest in these monies as she is the owner of XXXX. According, she files this complaint against M & T Bank. Additional details are attached.
Product: Credit reporting or other personal consumer reports

In XXXX of this year, in accordance with the fair credit reporting act, this creditor has violated my rights under USC 1681 section 6 o 2 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 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am not liable and refuse to pay this debt with XXXX XXXX XXXX XXXXXXXX, I have no contract with Credit Control Corp in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found out that negative information apparently appears on all XXXX of my credit reports that is being provided to lenders, HOWEVER the monthly credit reports that I pay a fee for every single month to access my credit reports to monitor shows I have XXXX negative accounts or information in my credit reports, any negative accounts I would have had on my credit reports were from XXXX and would no longer be allowed to be reported, yet I keep getting denials from credit applications with statements such as " derogatory public record or collections '', but again I pay a monthly fee to each credit reporting agency to be able to view my credit reports, you know " see what lenders see '' and every single of my credit report I have credit scores in the XXXX range, yet somehow keep getting applications for credit denied for negative information on my report, so it clear what the credit reporting agencies are sending to lenders does NOT match what myself is being provided and I am paying for monthly, under the FCRA there should be XXXX negative information on all XXXX of credit reports that is being provided to lenders, credit reporting agencies have the power to destroy a persons life a families life and it has been made clear they do not take that power very serious, I have reached out to all XXXX credit reporting agencies several times over the last few months once my applications I were submitting to lenders was being declined due to incorrect information being provided, even filed BBB complaints and still to this very day NOTHING HAS BEEN DONE OR CHANGED
Product: Checking or savings account

The bank is holding a check whose funds were already released by the issuing bank. They are refusing to contact the bank or the check issuer to confirm validity. They said their internal system does not recognize the company or number that issued the check. The only recourse they are offering is to wait up to 10 days. I will be overdrawn as a result. This is unacceptable.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a call from a number that was related to a Chase mortgage facility. I confirmed my name but did not give any information. I clicked the moment I realized it was a scam call. After the call I got an email stating that my debit card was added to an XXXX XXXX. I immediately locked my card and went straight to the bank to get rid of it and order a new one. I took a look at my checking account and didnt see anything suspicious. Later that day, something told me to check my savings account ( all within the same bank, Chase ) and there it was, {$600.00} robbed from my savings. Whoever did this took {$200.00} from my local bank atm and then another {$400.00} from another atm. Thats when I called to make my claim. The department issued a temporarily refund until further notice. About a week they told me they denied my claim because whoever did this was successful on one attempt. Well of course they are going to be able to use any atm successfully after having compromised my XXXX XXXX. It literally states in the guidelines of XXXX XXXX that you can use any atm. I do NOT think this was fair for Chase to deny my claim because I have been a customer with them for years and not a single time have I ever claimed an unauthorized transaction until now. After being told my claim was denied is when I decided to file the police report because I thought my bank would of supported my accusation, my fault apparently. I am currently faxing any documents that will support that this was not a transaction made by myself. I have work documents and work footage that will show I was at neither one of these atms the date and time these transactions were made in hopes I can have my money returned. Any additional help is highly appreciated at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, THIS ACCOUNT HAS BEEN HINDERING MY CREDIT AND I NEED IT OFF MY REPORT AS SOON AS POSSIBLE. I DID NOT AUTHORIZED THIS ACCOUNT TO BE REPORTING ON MY REPORT AND I ASKED THAT THIS MATTER BE INVESTIGATED.
Product: Credit reporting or other personal consumer reports

Paid Balance off and they closed my account and reported it as a default
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account XXXX XXXX XXXX and XXXX XXXX  XXXX reporting not only as OPEN, but also shows a past due balance of {$1000.00}, {$1200.00}, {$650.00}, {$400.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.
Product: Money transfer, virtual currency, or money service

I received a certified letter in XX/XX/XXXX from Easy Money stating that I had 10 days to pay back XXXX XXXX XXXX if I did not pay them back in that amount of time they would turn it into the police and charge me. 
they are claiming that I cashed a XXXX XXXX check. I have never cashed a check there or even used that establishment before in my life. 
I know for a fact my ID has been stolen its been stolen since XXXX of this year. And I am arguing that I should not be charged with any fraud charges because it is Easy Money 's fault for cashing a check knowing the person cashing the check looked nothing like me on my ID card. 
I demand that they pull up the footage of that day on the security cameras because I can pretty much guarantee whoever walked in & used my ID to cash a bad check looks nothing like me and nothing like the picture on my ID
Product: Checking or savings account

on XX/XX/year> citibank unlawfully closed my account without a notice or warning my accoung had been previously been reviewed and now this i am unable to take money or pay my bills i can not even see my balance this is very upseting tbey claim i will get my money in the mail but this is not okay i want my account back because i didnt do anything wrong.