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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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, credit repair services, or other personal consumer reports

I have tried numerous times to get these fraudulent inquiries off my credit report, to no avail. and people are study pulling my credit report. Just last Thursday XX/XX/XXXX. Please help me resolve this issue. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALL FRAUDULENT!!!!!!
Product: Mortgage

Greetings, My name is XXXX XXXX XXXX ; and I work as the XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm assisting a XXXX with a loan modification and worked very hard to fax the documents to PennyMac before the XXXX of the foreclosure. Unfortunately, PennyMac gave me 4 different fax numbers which were busy. Today, I was able to reach their Escalation Team and spoke to XXXX who walked me through uploading the documents through their portal, which she stated is her company 's preference. I'm very disappointed with the customer service of PennyMac because each time I called them to either get another fax # or check on their fax machine, the customer rep said it must be my problem. I went to XXXX different locations to fax to the following numbers XXXX, XXXX, XXXX, & XXXX to no avail. 
I'm disappointed that a company as large as PennyMac does not have adequate electronic services to handle the financial requests made by their Homeowners.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1681. XXXX XXXX  # XXXX has violated my rights
Product: Debt collection

I am currently in the XXXX. I asked Portfolio Recovery to cease calling me. They continued to call every day and several times a day, even when I asked them to cease the calls. They reported charges of {$760.00} to all three credit report bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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
Product: Debt collection

I have always paid all of my bills in full and on time, I monitor my credit report almost daily and have 0 past due accounts with any company. The letter they sent says it's for some company called XXXX XXXX which I can't find any real information about except they deal with debt collections as well. More than likely this is a scam to collect a debt that doesn't exist or somehow got me mixed up with someone else. I receive non stop calls from some scam number which I can't answer on my phone and it's getting almost abusive. Since they never leave voicemail I can't verify this is the same company but the calls started around a month ago which is close to the date of this letter.
Product: Credit card or prepaid card

I was an applicant on a synchrony bank revolving account XX/XX/2019 and they marked me late and dropped my limit because of nonpayment by another applicant on the debt, they never once reached out to me in anyway to let me know that the account was late. Once I found out the account was late, via a credit report, I called them immediately and paid past due charges and took over the debt entirely. If a company can hurt somebodys credit so badly and affect their lives, they should call that person and let them know a payment is late. Mortgage companies and many others make that call every month if somethings late.
Product: Debt collection

SyncbAmazon PLCC ( The compmany was contact and ask to show proof that this account belongs to me. No one contact me back, nor later or call. I been identity theft since 2005. I also have a lock on my account. ( ACCOUNT NEED TO BE REMOVED ALL THE INQUIRIES NEED TO BE REMOVED. I HAVENT APPIED FOR ANYTHING IN 2-3 YEARS
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the rights to privacy.

These Addresses do not belong on my credit report
Product: Credit card or prepaid card

XXXX sent an incomplete order, with no pants. I immediately called and requested the item or a return label. This was followed up with multiple emails, alm to no avail. I contacted my credit card issuer, Navy Federal Credit Union and sent them the information regarding the dispute. To this day, I have not received a credit, nor has my dispute been settled. I have still been charged for goods that were not what I ordered. Navy Federal Credit Union takes a very long time to respond to each request. Yet when I submitted documents as they request of me, I still do not receive timely response, if at all. I last contacted Navy Federal on X/X/17 and again today. I need my money credited back to me. This has been far too long.
Product: Money transfer, virtual currency, or money service

Respondent : Wise.com Nature of Complaint : Failure to Protect Consumers Against Fraud, Inadequate Safety Measures, and Questionable Customer Due Diligence Date of Transaction : XX/XX/XXXX Transaction Details : Recipient : XXXX XXXX XXXX : XXXXXX/XX/XXXX: XXXX Bank : XXXX XXXX, XXXX Amount : XXXX ( approximately {$330.00} USD ) Purpose : Alleged purchase of XXXX XXXX tickets Summary of Events : On XX/XX/XXXX, I initiated a transaction through Wise.com to the aforementioned account, believing it to be a legitimate purchase of XXXX XXXX tickets. I was contacted through XXXX by individuals identified as XXXX XXXX and XXXX XXXX XXXX, who I now believe to be engaged in fraudulent activity. 

On XX/XX/XXXX, within XXXX hours of the transaction, I realized I had likely been scammed and immediately contacted Wise.com to request a cancellation and refund. Despite multiple attempts, Wise.com has refused to assist me in recovering my funds. 

Legal and Regulatory Concerns : I believe Wise.com 's actions, or lack thereof, violate several consumer protection regulations, including but not limited to : The Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX : These regulations provide consumers with certain rights and protections regarding electronic fund transfers, including the right to stop payment on preauthorized transfers under specific circumstances. Wise.com 's refusal to assist in canceling the transaction XXXX be in violation of these provisions. 

The Consumer Financial Protection Act of XXXX ( XXXX ) : This landmark legislation established the CFPB and granted it broad authority to protect consumers from unfair, deceptive, or abusive acts and practices in the financial marketplace. Wise.com 's failure to implement adequate fraud prevention measures and its unwillingness to assist a customer who has fallen victim to fraud could be considered abusive practices under the XXXX. 

Conclusion : I urge the CFPB to investigate this matter thoroughly and take appropriate action against Wise.com for its failure to protect consumers against fraud and its inadequate customer service practices. I request a full refund of the XXXX transaction amount, as well as any applicable fees or charges.
Product: Debt collection

Good morning, I had an account with XXXX ( Comenity Bank ) which, I feel behind on. I went to my bank to get a loan and they advised me to get the loan I would need to pay off my accounts that are behind. I called XXXX and asked for a settlement while in the bank with the loan officer and they agreed to the settlement of XXXX. I advised them would call right back once the bank transferred the funds into my account for payment. I called XXXX back with the loan officer and I paid the settlement in full. I was given a confirmation number and the call ended. Well, what I have since found out is that they sold the balance to a collections agency called XXXX  and I explained to them on XXXX different occasions that I don't owe this and it was paid in full with a settlement they said nope you owe it. I have called XXXX and Comenity Bank more than XXXX to try and correct this no luck. I was told a supervisor would fix it and correct the error, but still nothing this is now in my credit and they call me XXXX a day requesting payment of the remainder amount. I told them if they don't fix it I would be reaching out to the CFPB for assistance their response was to go ahead you still owe this. Please help me with this!!!
Product: Checking or savings account

I have banked with regions a few years now. As a XXXX, I NEED a bank that I can easily deposit cash. I picked regions because theres multiple locations by both my work and home. They have continually charged me unfair overdraft fees for the entire time. I cant tell you how many times Ive went to bed at midnight or later with a positive balance only to wake up with an overdraft fee. The bank onky allows ONE overdraft reimbursement, no matter how long or how much you bank. Ive been told that all transactions are in by a certain time of time yet Ill still be charged an overdraft AFTER said time. Ive even had a instance where the banker himself couldnt tell me why I was overdrafted, I had money in the account, more than enough for my transactions. Regions bank is a terrible bank for someone like me. The ATMS are full often therefore you cant deposit any money to even try to combat overdraft fees. Ive been looking for months now for a better bank solution
Product: Checking or savings account

On XX/XX/XXXX, we received our taxes on XXXX. The following day on the XXXX I withdrew XXXX of this XXXX deposit received ro purchase a car as I didn't have XXXX mine was broken. I sent XXXX to my XXXX XXXX XXXX XXXX my electricity because that's how I pay it. Shortly after I received email that XXXX  account is frozen. After several emails, they asked for my identification my selfie amd my tax documents to prove where the deposit came from. I provided all that as I will now to show proof. They said they will not unfreeze my account and will now hold my funds for 180 days. I have XXXX XXXX  kids and I need these funds released.
Product: Credit reporting or other personal consumer reports

According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} EQUIFAX XXXX Medical XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within the last 2 months have requested the removal of inquiry according to 15 u.s. code 1681. nothing was removed.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I paid the XXXX XXXX card, issued by Comenity Bank, in full on XX/XX/XXXX. Upon logging into my account I realized the payment due date for this month was XX/XX/XXXX. I immediately called Comenity Bank to ask for a waiver of the late fee. The representative told me that the late fee would not apply to the account until the new statement date. I called again a week later to ask for a waiver of the fee and it still had not been applied to the account. I received an email statement and payment reminder today with the late fee, as well as an interest charge for that fee. ( Late fee {$30.00} + XXXX {$2.00} ). I again called Comenity and was granted a {$15.00} Late payment credit. The representative told me that she is not authorized to forgive the full amount and can not remove the interest charge. Since when did an interest charge apply to charge that is not even due yet?
Product: Credit reporting or other personal consumer reports

Equifax placed a block on my credit report from being displayed on XXXX XXXX XXXX since XX/XX/year>. Unfortunately, this denies me the ability to access my credit reports and scores to compare with other major credit reporting agencies.
Product: Mortgage

I AM FILING A COMPLAINT AGAINST MY MORTGAGE COMPANY SPECILIZED LOAN SERVICES BASE IN XXXX, I LOST MY SOCIAL SECURITY FOR A 3 MONTH PERIOD INXX/XX/XXXX -XX/XX/XXXX AND I TOLD SPECIALIZED LOAN SERVICES THIS WHEN IT WAS HAPPENING AND I WAS TOLD WHEN YOU GET YOUR INCOME BACK JUST SEND US WHAT YOU OWE US TO GET BACK ON TRACK, SO I DID IN XX/XX/XXXX I SENT THEM A CHECK FOR THE 4 MONTHS AND ABOUT MID XX/XX/XXXX THEY SENT ME A LETTER AND A MY CHECK BACK STATING THEY ARENT ACCEPTING THIS CHECK AS IT IS PAST 90 DAYS AND MY LOAN IS IN DEFAULT. IN XX/XX/XXXX I GET A LEGAL PAPERS STATING BC OF THE DEFAULT THEY ARE STARTING FORCLOSURE PRECEEDINGS, I IMMEDIATELY GET AN ATTORNEY AND HE BEEN TRYING TO TELL THEM THAT I HAVE THE INCOME TO SUPPORT THE HOME AND I WANT TO STAY IN HOME, AND BECAUSE THE MORTGAGE COMPANY AND THE COURT ARE DRAGGING THERE FEET, I NOW OWE {$73000.00} IN ARREERS AND MY ATTORNEY HAS LEFT NUMEROUS MESSAGES FOR THE MORTGAGE COMPANY TO PUT THE AREERS ON END OF LOAN AS A BALLOON AND THE MORTGAGE COMPANY REFUSES TO CO-OPERATE OR EVEN GIVE ATTORNEY A PHONE CALL OR NOTHING THEY REFUSE TO MOTIFY THIS LOAN OR EVEN NEGOTIATE THIS LOAN, AND I HAVE NO OTHER WAY BUT BANKRUPTCY AT THIS POINT WHICH I DONT WANT TO DO.I AM ON XXXX CANT WORK, AND THE SPECIALIZED LOAN SERVICES REFUSE TO NEGOTIATE WITH MY ATTORNEY.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information FCRA Violation ( 15 U.S.C. 1681o ) I am disputing the following inaccurate information on my credit report : XXXX XXXX XXXX XXXXXXXX Issue : [ Briefly explain the inaccuracy, e.g., incorrect balance, fraudulent account, duplicate reporting, or account that does not belong to you. ] Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation within 30 days and correct or delete any inaccurate information. Failure to comply constitutes negligent noncompliance, making you civilly liable under 15 U.S.C. 1681o.

I have attached supporting documentation, including [ list what youre uploading, such as ID verification, billing statements, or proof of payment ]. 

Please correct this inaccuracy immediately and confirm the update in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX  XXXX Account # XXXX** for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX*** for the amount of {$1300.00}, and XXXX XXXX-XXXX XXXX Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed.

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation. 

I have also sent letters to all three bureaus twice disputing this same information.
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$35000.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. XXXX XXXX XXXX ( a ) ( XXXX ).
Product: Debt collection

Midland Credit Management purchased my account from XXXX XXXX XXXX. This account with XXXX financial services began in XXXX and was charged off in XXXX. Midland Credit management/Midland Funding tried to collect this debt from me and could n't so they sent it to a lawfirm by the name of XXXX ( XXXX, MO ) in XXXX of XXXX. They are currently trying to garnish my wages for additional fees and the amount of interest charges and unpaid balance which is not accurate. I 've tried many times to get them to send me signed paperwork that I owe them ( midland credit management, or midland funding ) any money and they have constantly refused. It is illegal for them to continue trying to collect debt on anything over 7 years old and also. They are unable to prove that I own MCM or Midland funding any money as I have not signed any paperwork with them or purchased any goods or services from them.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX
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 XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # 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: Credit reporting or other personal consumer reports

Please review the documents I sent thoroughly, as I discovered inaccurate accounts on my credit report that I have no idea of.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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.