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

I was promised employment by a copy called XXXX then the company apparently sent me a check to deposit in my account that I needed to send to a an Office equipment supplier called XXXX XXXXXXXX. I deposited the money but before it could clear I was asked to send an equivalent amount via XXXX. I tried to send the {$4600.00}, in XXXX chunks through my accounts at XXXX XXXX XXXX and Wells Fargo. I was asked to send the money via through XXXX XXXX XXXX XXXX declined the transfer because according to them XXXX was not a registered XXXX user. However, Wells Fargo transferred the money in XXXX chunks without any questions asked. 
Here are other emails of individuals connected with this scheme : XXXX : had online chats from XX/XX/scrub>XXXX  to XX/XX/year> XXXX : email directing me to reach XXXX above XXXX : sent me the checque XXXX : received the XXXX transfer XXXX : affiliated name is XXXX XXXX I also have copies of XXXX transactions to XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other name listed on my report AT ALL. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There should be no other addresses on my report. I demand for each Transunion, XXXX, and XXXX to should be the papers where they have authority to report this information and where it was verified from. My name is copy righted property and neither have permission to use it in the manner they have been.
Product: Credit reporting or other personal consumer reports

The balance on this account is incorrect, as the balance should be XXXX as of XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reaching Experian but no one ever answers the phone. There are a few recent inquiries which were allowed that I didnt authorize. These include XXXX XXXX XXXX XXXX on XX/XX/2018 and a XXXX inquiry on XX/XX/2018 please remove these imquiries. Also XXXX I do not have a relationship with XXXX XXXX they have done soft and hard pulls I do not authorize them to look at my credit nor XXXX XXXX please update my file promptly and delete these inquiries
Product: Credit reporting or other personal consumer reports

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.
Product: Credit reporting or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my abil
ity to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Mortgage

Property taxes were removed from our escrow account twice, XXXX XXXX and XXXX XXXX, but Ditech is refusing to apply the refund back to our escrow account. They have completed XXXX internal audits and still can not explain where {$690.00} is. We have made several calls as well as sent several emails but never get a response. They refuse to allow us to speak with a supervisor. Our escrow account was short to pay homeowners and flood insurance in XXXX because they refuse to credit our account.
Product: Mortgage

This complaint is in reference to a Modification filled with Saxon XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My Loan number is XXXX. 
I have tried to get a Mortification for my home for 6 years. I am filing this complaint against my XXXX Modification Company, Saxon. They held my mortgage for 3 years. Then once the approved my modification they sold my loan and the process begins again. 
I became in financial trouble due to XXXX with friends. They XXXX left within a year and left me with all the financial debt. A {$60000.00} investment divided by XXXX was {$20000.00} each til they left and now I was left with a {$60000.00} debt in my name, during the worst financial times, because I financially funded the project. They left and XXXX after I taught them how. They left me in a financial mess. 
In XX/XX/XXXX my mortgage was current ; I called Saxon XXXX and explained the situation. I was told that I could not receive a modification unless I was 90 days behind in my mortgage. They told me I was eligible, so I decided to proceed and let my mortgage become delinquent so I could lower my payments. I figured I would get the modification right away and be on track. I was naive and made a big mistake. I should have gone to a traditional bank and apply for a standard 30 year mortgage. 
Now XX/XX/XXXX to XX/XX/XXXX with Saxon ( loan number XXXX ) no modification. I applied each month for 3 years and they never received the paperwork or the paperwork expired after 30 days and I would reapply. A terrifying experience, month after month, I applied with no modification. In the meantime, I realize, I am not qualified to deal with this situation alone. I hire a mortgage consultant to help me with this process. Finally XX/XX/XXXX, after 3 years of this nerve racking experience, they grant me a modification. During the trail modification, I pay early and on time for all XXXX XXXX payments. After the XXXX payment of the XXXX modification, I receive a letter from Saxon informing me that they sold my loan to XXXX ( a subsidiary of Saxon ). I do not get a modification from Saxon after three years of a terrifying experience. My mortgage is now in limbo. I am terrified, will I have a home? I did all the right things, followed all the instructions and no Mortgage. 
Now informed by XXXX ( loan number XXXX ), they do not honor trial modifications and I need to reapply for a XXXX modification with them. But, they give me the option to sell my home to them? The loan amount was {$370000.00}, my home is worth {$450000.00}. and they want my home? 
I was horrified, scared and bewildered. What was I to do? 
This complaint involves XXXX consecutive companies Saxon, loan number XXXX, XXXX ( loan number XXXX ) and now XXXX ( loan number XXXX ) I was told by CFPB, I need to file XXXX individual complaints against each company. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Americollect INC has failed to provide me with adequate paperwork showing that I am reliable for this debt. I have asked for a contract I signed and proof of identity or paperwork indicating I am reliable for the invalid information, I have still yet to receive anything. This is not a credit transaction and need to be removed immediately.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouris identity theft and credit reporting laws.

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. 

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. 

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

PNC Bank treated me so unfair. To start with, I was a victim of a fake employment scam that was even on XXXX XXXX XXXX XXXX. The 3 scammers sent me two checks and I deposited the checks. In the meantime they told me to XXXX them payments to purchase equipment and office supplies. The checks were fake and some days later they were not paid. I was left with a negative balance on my checking account of almost {$7000.00}. PNC took my Social Security pay twice as well as my remaining savings account balance. I was left then with a balance of approximately {$2500.00}. PNC would not refund me the money I was scammed out of because they were XXXX payments sent and XXXX XXXX gift card. I negotiated with them on the collections and they agreed to deceased the amount owed to {$1600.00}. I paid PNC all of the balance due in 3 payments of {$540.00} each month for 3 months until paid. I was scammed and it was not my fault or doing and I did pay PNC. 

I believe PNC Bank flagged me as a result of this and messed up my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed my account for no justified reason. I am seeking to have my account with XXXX XXXX XXXX  unflagged and restored as well as any other creditors or banking institutions.
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$71.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Product: Vehicle loan or lease

I lease a XXXX  XXXX XXXX through the Fair app. Initially paid deposit through app and after receiving my first mailed bill, I made my first payment by phone in XX/XX/XXXX to ensure it got in on time. At that time I set up a recurring monthly payment through Fairs billing entity XXXX XXXX XXXX for XXXX on the XXXX of each month. 

For background, Fair sends customers a billing notice telling them they can make payments the following way : 1. One time phone payment 2. Set up monthly recurring payment ( sends you to the XXXX XXXX XXXX   number ) 3 By mail Thinking I was set up I left for vacation in XX/XX/XXXX. Didnt notice at the time my account was charged that month TWICE. Once by XXXX XXXX XXXX as I expected, but another charge from the Fair app itself for the same amount!! 

Happened again. XX/XX/XXXX duplicate charges from these two entities on my statement. 

Talk to Fair customer service ( by text because they barely have customer service ) and they send you to their billing department - which ends up being XXXX XXXX XXXX. 

XXXX XXXX XXXX tells me they only handle their own charges not those from Fair app. I ask why on earth they exist if Fair is already handling their own payments by app and why do you not have visibility to other duplicate payments Ive made. Rep has no answer. 

Talk to Fair customer service, by text as usual, and rep tells me to call the billing department. Again. I inform him there are 2 entities billing me. He has no clue about this or what to do. 

1. No where does Fair inform consumers they DO NOT NEED to set up monthly recurring payments as they are already set up when they contract with Fair. 
2. And yet, Fair mails out an invoice monthly telling consumers you have the above mentioned 3 ways to pay ... as if you arent already set up in the app. One of the ways is to set up a monthly payment with a 3rd party Payment Servicing entity. Which results in duplicate billing. 
3. Fair reps are untrained and have no clue how customers get billed and do not assist. 
4. Fair has 2 billing entities that do not have visibility to one another, and apparently no way to track, manage or catch duplicate payments. If they even care to do so. 
5. Fair has been extremely and willfully negligent in its management of monthly payment processing, as well as careless and confusing with incorrect and misleading billing information that is sent to consumers. 


There is no efficient or effective way to get assistance with Fair as they dont even understand how their company billing is set up. They are a circus with no concern for customers. 

Their duplicate billing has put me over my credit limit two months in a row, affected my credit rating, interest, and most importantly negatively impacted my vacation when I could not pay for my last hotel, unknowing they had double dippled on my card. 

I expect the charges from Fair Financing for XX/XX/XXXX and XX/XX/XXXX to be reversed and the company to get itself together with regard to their financial systems and payments.
Product: Credit card or prepaid card

My complaint is with Transunion Credit Bureau. file # XXXX 1. They offer help but I filed a dispute and received nothing but a temporary fraud alert.

2, They failed to freeze my account due to a police report and a seven year credit freeze.

3. I have excellent credit and was denied a bank charge card because of XXXX  in my credit report.

4. They don't offer a fax number or website for uploading documents as they want to use snail mail. Ok, the dispute took thirty days and now I can wait another thirty days using snail mail.

5. I was told I was denied credit because of too many inquires in the past two years but they wouldn't be there if Transunion placed that seven year credit freeze.

6. I talked to XXXX the Supervisor today and basically all he said was wait TWO years for the credit report to clean up.

7. Do I have the right to ask companies that I deal with not to use Transunion?
Product: Credit reporting or other personal consumer reports

In the past 4 months there has been 3 hard credit inquiries conducted using my personal information and SSN, which I did not request. Additionally, there was a credit card account opened under my name for XXXX XXXX  XXXX, there is now an outstanding balance remaining due to the fact that I did not open it. All of this has significantly affected my credit score. I have filed a dispute for two of the hard inquiries and for the credit card account on Equifax and TransUnion. When I tried logging on to XXXX to file for the XXXX 's hard inquiry I noticed my log-in information had been modified. After trying to get access to my XXXX  account I was given the email and address that I provided on this report and I believe are being used to access my XXXX  account. It is evident that someone is using my personal information to request hard credit inquiries and open credit card accounts on my behalf. After submitting my dispute, the results from TransUnion and Equifax came back as accurate. I want to reiterate that I did not request these hard credit inquires nor did I open a credit account with XXXX XXXX  XXXX. Furthermore, I want to emphasize that the XXXX account was opened on XX/XX/XXXX and then closed two days later on XX/XX/XXXX with a remaining balance of {$190.00}, but since then the amount has increased to {$240.00} as of XX/XX/XXXX. My credit score has gone down significantly due to this, therefore I am kindly requesting that TransUnion investigates this again and removes this account from my credit history. I have also activated a fraud alert with the credit bureaus since my social security seems to be at risk. I would appreciate any further communication and assistance with this situation. 

It is important to mention that I was a victim of burglary of vehicle in XXXX. Inside where some of my tax documents which contained personal information such as my social security number, full name, date of birth and full address. This incident took place on XX/XX/XXXX and I have attached a police report. The police report is under my wife 's name, XXXX XXXX. On the police report you can also find my previous address and details of what was taken. This is why I strongly believe that my social security number and other information was used to open the XXXX XXXX XXXX  XXXX credit line. I have also attached my Identity Theft Report that I filed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I disputed an account that was fradulent on my XXXX  account and they resolved the issues but TransUnion and XXXX  didn't even acknowledge that XXXX  had deleted an account that was never mine and so XXXX  and TransUnion needs to update my credit score once again. They aren't being up to date with everything