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

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Prepaid card

Net Spend has sent a visa to my work, to my home, sent text messages and emails. I have asked that cards not be sent to me and to take me off there contact lists and yet I still receive info from them. I did n't give them any of my addresses. I did n't request there services and it is impossible to get them to leave me alone. Customer Service will not help and they wo n't let me speak to a manager. I text stop to there text messages but they continue to come and the email address I got from the paperwork they mailed me came back undelivered. Please help me make them stop.
Product: Credit reporting or other personal consumer reports

Consumer report shows I was late on payment this account was paid off XXXX XXXX that I have never been late for months XX/XX/2024 and XX/XX/2024 I have attached screenshot of the paid check
Product: Credit reporting or other personal consumer reports

I sent a letter to the company with the following statement and now response back from the company nor did I receive the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX CARMAX AUTO FINANCE XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX I was in the process of shopping for a car. As I pulled my credit, I noticed that there was a charge off from you. Of which I have never received a 1099 form. Can you please go ahead and send me a form?
Product: Checking or savings account

On XX/XX/year> I got the Closure Letter from USForex Inc. stating that my company account closed. At the point of closure, we've had AUD {$510000.00} on the balance. Since then There has been no clarity or next steps provided by USForex for the leftover balance refund. After weeks of waiting I filed a complaint to OFX ( USForex Inc ) Customer Service at customer.service@ofx.com on XX/XX/year>. I received a reply from Legal.Notice@ofx.com stating that the complaint was received. No further information on the process of the balance refund till today XXXX XX/XX/year>. Quote from the email " OFX considers this matter closed and therefore we are unable to provide or share any additional information. This is our final position on this matter. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX XXXX XXXX/ XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to seek your help in getting these unverified and suspicious accounts in my credit report. It has been months since i have been personally dealiing with Transunion but they have not acted upon my complaints. As a result, my credit scores have suffered tremendously and i have be wracked with XXXX  because if it. Please help me out with my concern. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Follow up to complaint XXXX and XXXX. I hope the third time 's the charm. XXXX XXXX continues to pass the buck. They are quick to respond to my complaints. They say that the complaint does not belong to them and they are not the appropriate company to address my issue. My question for XXXX XXXX : WHY ARE YOU REPORTING MY CREDIT HISTORY IF THE ACCOUNTS ARE NOT YOURS? 
XXXX XXXX needs to read that attached documents as they provide substantial proof that they are still reporting data. I want the accounts removed ENTIRELY from my credit reports rather they are reported by XXXX XXXX or XXXX. Attachments VALIDATE that XXXX XXXX is listed a debtor in XX/XX/XXXX reports AND XX/XX/XXXX reports.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Late/Closed
Product: Mortgage

I received a letter from them for the first time on XX/XX/2019 stating that I owe them {$110.00} contract fee, {$340.00} previously accrued late fees and {$10.00} to prepare this notice. I have not paid late and they cashed the check and it cleared my account. I have no control over the Postal Service. I mailed the check 5 days before the due date and they cashed the check and then send me a notice. They have no way online to pay the payment or on the phone. Seems that they are purposely and intentionally doing this to embezzle money from the customers. I have contacted them several times and I never get through to speaking to anyone. These people are crooks, liars and unprofessional and their license should be suspended. They have not done this to just me, there are a lot of unfavorable reports for this servicer. They never tried to email or call for any questions. They purposely sent the letter to charge us.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, has been reporting inaccurate information on my consumer reports. Date opened, high credit amount, last reported and comment sections between XXXX, Experian and XXXX are all different and inaccurate. Please remove from my consumer report.
Product: Debt collection

Agency used derogatory, XXXX  and offensive language while communicating with me about a debt. 
I contacted the original credit company that contracted agency but there was no change of agency. 
Agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contacted me again via phone after they were sent letter to only send communication in writing and informed of rep using derogatory and XXXX comments. 
The bank ( original credit company, BOA ) was made aware of the tactics on more than one occasion but nothing was done to rectify the situation. The bank has a history of using companies that use these form of tactics with brown and black debtors.
Product: Money transfer, virtual currency, or money service

I sent money to my nonprofit in XXXX XXXX  through MoneyGram, and my husband was denied picking up the funds stating that the name did not appear in order. I was advised to cancel and re sent which I did. When I cancelled I was told my refund is going to take 10 business days and its been a month 2 weeks. I have filed 2 complaints and now am told they can't refund to my bank because there's restrictions. I went to my bank and was told there's no restriction and there is no attempted. I have missed my rent payment since I was waiting on my {$1000.00} refund. Do I get a lawyer for help. Please see proof below. even when card is cancelled a bank can receive a refund per bankers response. 


XXXX XXXX : XXXX Dear XXXX XXXX, Thank you for contacting us detailing your concerns with MoneyGram reference number XXXX. 

In your communication dated XX/XX/year>, you indicated that the refund was not credited to your payment source. 

We would like to inform you that we have completed our investigation regarding your comments and confirm that the transaction in the amount of XXXX XXXX  was cancelled on XX/XX/year>. Crediting the funds to your initial payment source can take up to 10 business days from the cancellation date. This interval depends on the amount of time the bank will need to credit money back to your account/card in accordance with local banking hours and regulations. 

However, despite the attempt to refund you, we are unable to complete the process due to the restriction on your original funding source. We request that you contact your financial institution for further assistance in removing any restrictions. 

We appreciate your feedback and would like to inform you that MoneyGram regularly reviews incidents such as these in an effort to continually improve our processes and procedures related to customer service. 

If you have any questions, please do not hesitate to email us at XXXX. You may also visit our website at XXXX XXXX XXXX  and select Help Center for more information regarding our self-service options. 
Kind regards, XXXX Resolution Assurance Department MoneyGram International ref :! XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

PHH Mortgage. Mishandling of the mortgage refinance process during a divorce proceeding.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a call to my cell phone, a number I have had for XXXX+ years. The company looking to collect debt, ( XXXX XXXX @ XXXX ext XXXX ) wanted information about someone named " XXXX '' at my number. This seemed nothing but a phishing scam ... am I wrong?
Product: Credit reporting or other personal consumer reports

Equifax continues to report old derogatory tradelines that other CRA have updated in a timely manner. 

Specifically, XXXX XXXX / XXXXXXXX charge card should have fallen off as account info is incorrect and both have aged 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a negative mark on my credit on a tax value bill on a car that was payed off in XX/XX/2020. After contacting them they stated that attempts through call and mail were made. I never received a voicemail notifying me of a call back. Mail has been extremely delayed for me due to the pandemic and notice of the balance was received after the negative mark was placed on my account. Sad part is I bought another car for them. This has been the worst communication a lender has showen. Ive never missed a payment on any of my account. When trying to come to a solution, they just didnt care.
Product: Credit reporting or other personal consumer reports

The account starting with XXXX with the balance of {$4600.00} payment information is incorrect. The loans have been in deferment since XXXX  when the pandemic started. I contacted equifax to let them know and dispute the info. The other accounts were corrected but this account was not.
Product: Credit reporting or other personal consumer reports

I was alarmed to find unauthorized inquiries on my credit report today, and it has left me frustrated and puzzled. I check my report frequently, but this time there were unexplained discrepancies. Even after refreshing my browser, the inquiries were still there. Please review the documents Ive sent thoroughly, as I need this issue resolved promptly so I can stop worrying about it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit card or prepaid card

I was used the cell phone app XXXX  on Saturday XXXX to make specific crypto rate purchases. Each time I attempted to process an order, it either timed out, indicated the rate I was asking for is no longer available, or indicated there was a problem with my card. I made 4 attempts and finally gave up. I confirmed with my Wells Fargo app there were 4 pending charges. I did call Wells Fargo to unlock my card because of the multiple attempts I had locked it.

Later that day I had another opportunity to buy a token at a specific rate but again, it timed out so I was discouraged to make any more purchases. 
Later that evening when I came back home I emailed XXXX about my app account but have yet to get a response back. I have attached that email. At the time I thought there were 4 charges for a specific crypto token. I only wanted to place one order. Informed both bank and crypto.com I did not want 3 of the 4 charges.

The following day, Sunday, I received messages on the cell phone app that all orders ( 5 ) were placed. I did not approve of those order and the rates for one of them was not what I placed originally. I called Wells Fargo to initially dispute all charges but clarified to only dispute one
charge which was over {$5000.00}. Why I am disputing that is because they fraudulently used my card without my approval Sunday. Also, the rate on the token they gave me was higher than what I was originally asking for Saturday.

I then called Wells Fargo and put in a dispute/fraud claim as that charge was not authorized.

They are " investigating '' right now and because it is a large amount, the High Dollar Department is looking into this. They have done their initial investigation and have denied the claim. Claiming Crypto.com received approval from me. On Saturday, yes, that specific moment when I tried to place my order, there was approval. But having the order placed on Sunday, no, that was not my approval. I have called Wells Fargo XXXX to expedite a call back from that department, hopefully, I can get a call within 24 hours but it may be until Monday as they are still investigating.

What they are investigating, I don't know? It's just one charge I need to be turned over because it was not approved by me. I have a feeling they will deny my request again but will wait patiently for a callback.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically, in looking at all three of credit reports. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

I have attempted to contact the three bureaus as well as the subagencies and the information has remained on my credit report file.
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  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  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 Account Number : XXXX Account Name : 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: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - {$22000.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$26000.00} Late Payment XXXX XXXX XXXX XXXXXXXX - {$24000.00} XXXX XXXX  XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SIGNATURE - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

Chase has restricted my account I am only able to view balance. Chaase will not give a reason for restriction and will not allow me to go to branch to withdraw my funds. They are holding on to my money.