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

XX/XX/2020 - {$990.00} I notified USAA on XX/XX/2020 that there was an unauthorized charged to my savings account. Called every day to their Security Specialist at the bank, they promised they would look at it and call me back. 
They never called bank or write me a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This to me is crazy. So Im submitting it again hopefully for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents that demonstrated this legal issue but they ignored these documents. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Proper resolution must take place, and you must also accept that my dispute is valid unless otherwise you have supporting documents to counterattack my said disputes. These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. Im carefully tracking all correspondence with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT # XXXX ACCOUNT BALANCE : {$1900.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$3100.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE : {$3800.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$3500.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$3000.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$5600.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX {$6500.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX ACCOUNT BALANCE {$5900.00} ; ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT # XXXX {$19000.00} ; ACCOUNT NAME : XXXX, XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$150.00} ; ACCOUNT XXXX : XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX ACCOUNT # XXXX {$610.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$1600.00} ; ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # XXXX {$300.00} ; I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i notice some inaccurate and incomplete items on my credit reports from TRANSUNION, XXXX, AND XXXX. So on the XXXX of XXXX.,2020, i disputed the items with the 3 companies and has attached copies below of the letters that i responded and hasn't heard anything back from neither of them.i also wanted my address updated because they are reporting inaccurate addresses as well
Product: Debt collection

On XX/XX/2023 I received a phone call from XXXX with XXXX XXXX. He called me from XXXX. He said he was calling on behalf of XXXX XXXX XXXX to confirm my information so they could serve me with a legal document. XXXX gave me the number XXXX to contact XXXX XXXX XXXX. I decided to call the XXXX back and a XXXX XXXX answered the phone saying " XXXX XXXX XXXX. '' I was confused and told him I just received a call from this number and the person XXXX said he was with XXXX XXXX and now it's XXXX XXXX XXXX. 

I continued to have a conversation with XXXX XXXX and he informed me that XXXX XXXX XXXX is a law firm located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA and is representing a credit card company I owe a debt to. I ask him to mail me the information regarding this debt and he said they already did. I told him I didn't receive anything in the mail and asked how it was sent, He said by regular mail. I asked again if they would send me the information because I had not received anything from them and he again refused. I asked him how can I even address this if I have no information and he then said I will have all the information I need once we get to court. He said a judgement will be placed against me and funds can be seized from my bank account and property can also be seized to satisfy the debt. 

I have researched this company, XXXX XXXX XXXX, online and can't find anything about them. Please help me with getting information from this company about a debt they say I owe.
Product: Mortgage

My Name is XXXX XXXX and I reside at XXXX XXXX XXXX in XXXX New York zip code being XXXX. I have resided in my primary home since XXXX and I would like to keep my home. Select Portfolio Servicing Inc., SPS has been my present mortgage servicer for approximately 2 years. Since the Pandemic, I have been financially impacted and have required assistance from the Servicer due to Covid-19 related matters. My employment income has significantly been reduced due to Covid-19.

My complaint stems from the Servicer 's inability to adhere to New York State and Federal laws as they pertain to individuals impacted financially by Covid-19. I'm citing the Servicer for the following : 1. Disallowing any additional Covid-19 Forbearances 2 . Not Accepting the " Covid-19 Declaration of Hardship Document '' In the State of New York we have some of the highest rates of Covid-19 cases. These numbers have impacted my business/employment to the degree I am not able to make mortgage payments. In the past, I have provided a completed copy of the Covid 19 Declaration of Hardship Document to the Servicer and they have refuse to acknowledge and/or accept the document as an official hardship. 

In closing, we are living in unprecedented times it is mandatory that we have Servicer 's and/or Lenders adhering to Federal and State guidelines as they pertain to individuals suffering financial hardship due to Covid-19. SPS has demonstrated very little to no compliance of the laws which we are governed by during the Pandemic. They continue to operate as if these are circumstance of the past. 

On XX/XX/XXXX I spoke with an SPS representative who had no knowledge of New York State and/or Federal Laws which protects individuals who struggle to make mortgage payments at this time. In addition, SPS has continued to aggressively pursue payments. Currently, I have entered into a modification process in which i have submitted my online application. I am very concerned the Servicer will continue to disregard laws and my inability to pay my mortgage which will result in my credit being impacted. I am seeking for SPS to adhere to state and federal laws during the Pandemic and assist accordingly. 

PLEASE DO NOT PROVIDE ANY PAYMENT HISTORY DOCUMENTS
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

Please see attached documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/2025 Experian Dispute Department XXXX XXXX XXXX XXXX TX XXXX Subject : Fraudulent Accounts Dispute Request for Deletion Under FCRA 605B To Whom It May Concern, I am writing to formally dispute the following accounts that have been fraudulently reported on my credit file due to identity theft and a data breach : XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and was also affected by a data breach involving the credit bureaus, which has compromised my personal information. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ), I am requesting that these fraudulent accounts be blocked and permanently deleted from my credit report immediately.

Pursuant to my rights under FCRA 605B, once I provide proof of identity theft, the credit bureau must block and remove any fraudulent accounts from my report within four business days of receiving my request. Enclosed, I have provided : XXXX. A copy of my government-issued ID. 
XXXX. A copy of a recent utility bill or other proof of address. 
XXXX. A completed FTC Identity Theft Report ( or police report, if applicable ). 

Because these accounts are the result of fraud, they should not be verified, sold, or transferred, as doing so would be a violation of FCRA 605B ( c ). I demand a written confirmation once these accounts have been deleted. 

Failure to comply with this request will be considered a violation of federal consumer protection laws, and I will take legal action if necessary. 

I expect resolution within the required timeframe and appreciate your prompt attention to this matter. Please confirm receipt of this letter and provide me with updates regarding my dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I need you help! I have reached out to both of these companies in the past. I discussed mortgage lending options with them. They were not allowed to pull my credit report! But yet I not see that they DID inquire and pull my report. I was actually told that they WOULD NOT pull my credit report. This is why I was discussing a loan with them in detail with the understanding but was not ready to purchase yet. Tricky!!! 

I would these crooks inquiries removed permanently from my credit report ASAP. 

# 1 - XXXX XXXXXXXX XXXX # 2 - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a concerned Consumer, I have an account that was not properly verified on my consumer report, I sent a dispute and was. never notified of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

XXXX ] XXXX  {$940.00} XXXX XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I got a hard inquiry from a company call ed CBNA (    XXXX   XXXX   XXXX   XXXX    )   XXXX   XXXX  SD  XXXX  Date of inquiry  XXXX   XXXX   2017 Was  not authorized.. fraud ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute these Items in the month  XXXX  Experian did not compile with the State Attorney General Settlement Agreement and  609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the   documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   S
ection 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b   ) Disclosure on request of nature and scope of i  nvestigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by
the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was    received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation
Product: Mortgage

XXXX XXXX XXXX XXXX sold my loan to The Money Source XXXX with XXXX  acting as nominee for XXXX XXXX XXXX. The assignment of my mortgage validating the sale of my loan and ownership was signed by XXXX XXXX assistant secretary of XXXX and notarized by XXXX XXXX. The assignment of my mortgage states XXXX XXXX appeared before XXXX XXXX, known to be the assistant secretary of XXXX  which is a fraudulent statement. XXXX XXXX is the Vice President - Legal and Compliance at The Money Source XXXXXXXX and XXXX XXXX  is the receptionist for The Money Source XXXX  The transfer of my mortgage was done fraudulently and The Money Source XXXX has no legal ground to foreclose or take my home when the assignment used to acquire my property was not done according to federal regulations. The Money Source should be sued and fined for the mishandling of my mortgage and I'm sure many others.
Product: Debt collection

I have revived an email that I owe some money and Columbia debt collector is trying to collect it. i have disputed the charge as the rental apartment company has agreed to lower the charge but then they did not. The charge was based on falsifications at the very beginning because they wanted to lay for the carpet replacement and carpet was totally new and almost hardly used. The debt collector had not reached back to me after I filed the dispute and they are completely ghosted. First email I received clearly stares that if I dispute the account, they will not report it to credit bureau until dispute is resolved but I come yo know that thru gave reported it to credit bureau. I have agreed to pay the debt but i wanted it to reduce to the amount apartment rental company has promised.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I transferred {$46000.00} from my Relay Financial Account to XXXX XXXX ; this transfer was conducted in good faith and involved the legitimate funds of my business. The wire transfer was executed between accounts under the same business, from XXXX XXXX XXXX at Relay Financial to XXXX XXXX XXXX At XXXX. 

On XX/XX/2023, I received a message from XXXXXXXX XXXX  stating that Relay Financial requested a wire recall. These funds rightfully belong to my business, and as the owner, I have the right to change bank institutions and transfer funds between accounts owned by my business. Therefore, I request that Relay Financial cease the wire recall.

I have called Relay Financial countless times, sent emails, and filed a formal complaint with the bank ; but it has been over 3 months and I have not received an answer about this issue.
Product: Credit reporting or other personal consumer reports

This complaint was my follow up. I need this account FIGURELEND XXXX UPDATED and REPAIRED once again. And I am hoping that inaccurate late marks popping-up again in this account. 
XXXX : XXXX XXXX Balance : {$49000.00} TRANSUNION XXXX XXXX XXXX Balance : {$49000.00}
Product: Credit card or prepaid card

None of the credit cards show up when I try to make a transaction even after waiting for 72 hours per instructions given by the company. 

So far, I tried contacting : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The accounts in question, which are at risk due to the breach, are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I've submitted information to mediate the loan. they won't acknowledge receipt. They are sending registered mail threatening to foreclose. The phone number provided isn't answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  I submitted a dispute in regards to inaccurate reporting a charge off by   XXXX  in th e amount of {$76.00} and a past due amount of {$76.00} and I asked them to validate the debt belonged to me  XXXX  Disputed this account with  XXXX  and Experian  XXXX  Received an account summary from  XXXX  for dates   XXXX   thru  XX/XX/XXXX   XX/XX/XXXX -I received Experian investigation results  showing a ccount updated   XXXX   XXXX  I received    XXXX    investigation  results showing that the account was updated  XXXX  I sent another letter  XXXX ,   XXXX   and Experian  asking that they send me pr ovide me with viable proof that this debt was mine  XXXX  Recieved  the same exact letter from them with the account summary from  XXXX    XXXX   XXXX  Received letter from   XXXX   stated the account was still  being v erified as correct and no validation or proof was sent that this debt belongs to me