23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/2023 XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX and Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions7
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to receive my credit score on the XXXX for my Transunion credit score, but it did not list my score only my credit report. On the website it stated, pay only XXXX to review credit score from Transunion. After putting in my card information it did not charge me XXXX cents but signed me up for a subscription instead, which is not what I was aware of and was completely deceiving. When I tried to cancel my Transunion subscription online, it kept circling back to the login page and never took me to cancellation. I finally called Transunion customer service and told them I wanted to cancel my subscription. Before the customer service representative asked for any verifying information, he just asked for my credit card number right away. I told him I was not comfortable just giving my card number out when he did not even verify my identity. He then proceeded to yell at me saying he needs the info to look up my subscription in which I hung up. This entire experience was not only deceitful but a complete SCAM!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX  account # XXXX has violated my rights. 
15 u.s.c. 1681 section 602 A, states i have the right to privacy 15 u.s.c. 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Company calls everyday demanding money. Talked to her one day about going into the originating business to get everything taken care of later in the week, and she started calling again the following morning. The company has made many many lies. They are trying to collect a debt that another company is already receiving payments for and claim they are the ones who are in charge of it now but refuse to provide anything showing that. They have supposedly sent emails, to an email address we have never had any connection to at all and refuse to fix it. The lady XXXX wants to yell on the phone that you have to have payments set up and figured out right then. She lies about not being in the office. She lies about specific times you have to give her an answer about a payment or shes recommending the other company to sue you. When you try to ask any questions about the debt or the amount they start getting rude, refuse to answer any questions and demand payment before theyll tell you anything about it.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have made numerous attempts to have incorrect account information removed from my credit report. I have requested proof that the account is mine and have not received anything to verify what this account is or who it belongs to. The credit report states an account with XXXX was opened on XX/XX/year> and {$4600.00} was written off. I have no idea what this is and it has negatively affected my credit for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX XXXX is reporting this account as a " collection '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a utility that was never late or charged off. The balance shown is an erroneous amount that was caused by the company 's flawed equipment records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and turned in all my equipment, then paid any balance owed. XXXX XXXX manager stated my account was at a XXXX balance and my account was closed, in 2019. This account is damaging my creditability and providing emotional hardships to remain XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We recieved a collection notice from XXXX XXXX. I have called several times asking who opened a Capital One credit card in our company name and have been hung up on 3 times without any solution. We are positive this is a fraudulent account and want help resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

INNACCURACIES ON MY CONSUMER REPORT DELETE IMMEDIATELY. 



XXXX ACCT # XXXX STATUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PAST DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STAUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PASS DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STATUS CLOSED, XXXX XXXX ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED NONE ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) CLOSED NONE, LAST REPORTED ( XX/XX/XXXX ) ( EQUIFAX ) XXXX XXXX  XXXX  ACCT # XXXX STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE, ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ). ( XXXX ). 

XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ), ( INACCURATE ) CLOSED DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ).
Product: Money transfer, virtual currency, or money service

Western Union " has '' a " rewards '' program. The problem is they don't let you redeem your rewards. Either the screens in that area of their website freeze, or they let you check off which reward you want, and say it will be automatically credited to your next transaction, and then they simple do not do that. It works less than XXXX percent of the time in my experience. 
They reason, I suppose, that if it takes the customer a half hour plus to claim a {$5.00} reward that they simply won't bother. There is no reason they can't simply have the rewards program partially integrated into their regular screens, for example " You have qualified for a {$2.00} transaction credit, would you like to use it now, or would like to pay the regular transaction fee and continue to accrue points toward a larger/different reward? '' For example, XXXX well integrates the claiming of rewards when you use their branded credit card, letting you know how much of a reward you have earned and letting you use a simple checkoff box to apply it to any current purchase. 
This morning after waiting a few minutes with " MY WU '' screen symbol continuing to rotate when I tried to log in to the rewards page ( after being logging in to Western Union anyway ), I logged off and on again, and then selected a {$5.00} reward which it then said would be AUTOMATICALLY credited to my next transaction. However, when I then entered my transaction, I got no credit. Usually I stop trying after a few minutes of the screen symbol rotating ( seems more prevalent on XXXX than XXXX ) so I don't usually get as far as them saying they will apply a reward. This was the first time in a while that I was actually able to claim a reward ( maybe five attempts last time and today which all failed by their screen stopping processing ), and then they simply didn't follow through as the screen said, and did not credit it to my next ( immediately therafter ) transaction. Assuming this happens to thousands of people ( not just me, but all active account holders ) each day, they are pocketing thousands of extra consumer dollars a day, maybe into the millions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, upon re-entering PNC Bank at XXXX XXXX XXXX in XXXX North Carolina to inquire about a fee I was charged to cash a check that was drawn on PNC Bank, I was told by the Assistant Branch Manager by the name of XXXX XXXX. XXXX that my check, issued by XXXX, was a fraudulent check. ( The check had already been cashed by the teller prior to my involvement with Mr. XXXX ). I proceeded to ask Mr. XXXX what was fraudulent about the check. He began to tell me that the paper that the check was drawn on was regular copy paper ; that the check was blurred and some something pertaining to the font on the check that raised some red flags. He then begin to proceeded to call XXXX, I presume in his attempt to verify the check. Again, the check had already been cashed minutes before. I re-entered the bank to ascertain the veracity of the fee that I was charged to cash the referenced check. 

One teller told me it was {$2.00}. Another said it was a 2 % fee. I asked if there was a policy available for me to view re : this discrepancy. After I told him if it was a fraudulent check that I've been receiving the check for the past 11 years. Upon apologizing, Mr XXXX continued to tell me that it appeared that the check was fraudulent. I informed Mr. XXXX that he conduct was disingenuous to the customer to make such allegations without providing proof. Mr. XXXX made me as a consumer feel that I was not welcomed or valued. although I am not an account holder of PNC, the check was drawn on an account holder of PNC Bank. This kind of behavior was not only inexcusable, but as an African-American, it appeared to be stereotypical and made me feel that Mr. XXXX was racial profiling me. The two tellers were both XXXX-XXXX. However, I inquired upon Mr. XXXX, how he could tell if a check was fraudulent just by looking at it. 

Originally I went back into the branch, after cashing the check because I was told upon entering that if I did not have an account there would be a 2 % fee or {$2.00} fee. Based on the amount of the check the amount would have been less than the {$2.00} fee that I was charged. However I was then told that it would be 2 % or {$2.00} whichever is greater. I asked if I could see the bank 's policy regarding what I was being either there or online. No policy was made available for me. 

I informed Mr. XXXX that I would be lodging a complaint with the Consumer Financial Protection Bureau regarding his unprofessional and unethical behavior. He then said that the bank 's policy had recently changed. 

As a consumer I felt very humiliated and frustrated at the whole experience. Consequently, I never did get a resolution for what was originally intended. 

All rights reserved
Product: Vehicle loan or lease

SUBJECT; FINAL NOTICE BEFORE LEGAL ACTION-REQUEST FOR DETAILED CLARIFICATIO please see attached
Product: Credit reporting or other personal consumer reports

After looking at my credit report I noticed on XX/XX/ there is an inquiry from ccb/XXXX on my report that is inaccurate and not mines. I am requesting this unknown inquiry be deleted and removed,
Product: Debt collection

Carter-Young INC ( the debt collection agency in Georgia ) has been inaccurately reporting to my credit report for years. Since XXXX, Ive been disputing this apartment complex as not my debt. Theyve completely ignored me and proceeded to harass me so much for collecting me, that I had to block them. In XXXX, during the pandemic, I became literally XXXX. I had know choice but to do a pay to delete. The apartment complex accepted my pay to delete in a 3-way call with Carter-Young and the debt was supposed to be ERASED from my credit report. 20 days later, I get an alerts saying I paid down my debt and that the account is still opened. Luckily i have emails, documents, and other proofs proving that the account was supposed to be deleted. Thank God that I got a pay to delete letter on the same day as the call through email. Im tired of them haunting me. Why break me down when Im already broken??? People are DYING!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am reaching out to follow up on the ongoing issue regarding the presence of fraudulent items in our records. Despite our repeated efforts to address this matter, it is concerning to note that the fraudulent items remain unresolved. 

Despite our cooperation and provision of necessary information, there has been no visible progress in removing these fraudulent items from our records. 

We urge you to prioritize this matter and take decisive steps to identify, investigate, and remove all fraudulent items from our records without further delay. Additionally, we request transparent communication regarding the actions being taken to address this issue and prevent its recurrence in the future. With this, I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and have reached out to Experian and other credit agencies to remove the fraudulent account that is now on my credit report, from XXXX XXXX XXXX for {$7600.00}. At first i attempted to dispute the account, but I think I submitted it under the wrong category, so it came back verified in a day without any information or proof from Experian that they actually investigated. Since then, I've called Experian and submitted a proper request to block, along with attaching the identity theft report I had filed with the FTC, which is attached here, and I have submitted that and plenty of identity-verification documents to Experian as XXXX the first week of XXXX. 

Rather than comply with the law and block the information immediately, Experian responded that they can not block the account, gave no further explanation, and refused to explain over the phone exactly what the problem is. I am reaching out to you hoping you will make them comply with the law and block this account immediately, as it is hurting my credit greatly and stopping me from getting a car for work.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to formally register my complaint regarding the presence of fraudulent items on my credit report. Despite my multiple attempts to rectify this situation, these fraudulent entries remain, causing severe distress and harm to my financial well-being. 

The fraudulent items in question, associated with [ account/reference numbers ], were discovered on my credit report on [ mention the date you first noticed the fraudulent items ]. Since then, I have consistently reported these items to your agency through various channels. I have submitted detailed documentation, including police reports, affidavits, and supporting evidence, to substantiate the fraudulent nature of these entries. However, my efforts to remove these fraudulent items have been unsuccessful to date. 

I want to emphasize that I have acted responsibly and expeditiously throughout this ordeal. I have taken every possible measure to protect my financial integrity and have diligently followed your company 's prescribed procedures for disputing fraudulent items. 

I am formally requesting the following actions to be taken immediately : A thorough and diligent investigation into the fraudulent items on my credit report to confirm their fraudulent nature. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, including the date when the fraudulent items were removed. 
An apology for the considerable stress, financial harm, and inconvenience caused by the presence of these fraudulent entries on my credit report. 
I understand that maintaining the accuracy and integrity of credit reports is paramount for the financial industry and consumers alike. It is my belief that addressing and rectifying these fraudulent items is not only my right but also a crucial step in upholding the credibility of the credit reporting system. 

Failure to address this matter withinthe exact time frame from the date of this letter may compel me to pursue legal remedies or involve relevant regulatory authorities to resolve this issue. I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Nationstar Mortgage LLC d/b/a Mr. Cooper sent me a letter saying they will increase my mortgage amount because of escrow shortage without the option to pay the escrow lump sum, which I wanted to do so I do not have to bear a mortgage increase. 

I called and called and the AI bot kept giving me the run around, finally I spoke with a lady who said I could make the payment on the website, which was not accurate as I could not ( no option to make the payment ) but I was already off the phone with her. 

When they want you to refinance so they can profit off the customer they call incessantly but when the customer is trying to get a situation resolved the AI bot is set up to 100 % hinder the customer from reaching a human to talk to! I called today and last week to no avail, the Ai bot kept saying " I do not understand your request, bye! ". 

There is no way to get past the AI to speak to a customer representative and when you do, the task is not resolved! They unilaterally do analyses and to reach them is almost an impossibility. I called today XX/XX/2024 over and over, only the AI bot. last week, same thing. 

This is the same company that had a cyber incident and makes it extra difficult to register for credit monitoring they claim to propose! Why can't they just register all their customers for credit monitoring?! They say you are eligible but to register is another complex runaround situation.
Product: Credit reporting or other personal consumer reports

attached is the letter i sent to the credit bureau XXXX I am writing to express my extreme dissatisfaction with the utterly erroneous information currently tarnishing my credit report, which I firmly believe is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Upon a comprehensive review, I have uncovered egregious inaccuracies in the following accounts : XXXX XXXX XXXX Account Number : XXXX Status : Collection XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed and Paid Off XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX Account Number : XXXX Status : Collection I assert vehemently that the reporting of these accounts is not only incomplete but shockingly inaccurate, constituting a severe breach of the FCRA. Accordingly, I demand the immediate and unconditional removal of these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

This collections account I do not have a contract with them. They are not the original creditor on this account by the statue of 15 US code 16 92C in 60 923 and 1681E ; B I have to have a contract with this creditor when I did not have a contract with them theyre not the original contractor That I took out the service with so they can not collect this debt from the original creditor because I dont have a contract with them so I like for this information to be removed from my credit report