23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Scott Carruthers Law firm claimed to be a debt collector for XXXX. Scott Carruthers Law firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to XXXX. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX Scott Carruthers Law firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX but nothing about a law firm. I then called Scott Carruthers Law firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from Scott Carruthers Law firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/FORTIVA Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX : DEPT OF ED XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : EXPERIAN XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX :
Product: Student loan

I was recently unemployed so I began a forbearance on XX/XX/2018. Since it was approved on XX/XX/2018, the company has been charging me more interest than I should be getting charged. Instead of the interest generating correctly among the four different loans, they are distributing the loan interest to the highest loans with the largest amounts. Before the forbearance, it did not show a {$0.00} dollar amount for XXXX loans and a large amount of interest for the other XXXX. But that's what I have been seeing since I went on forbearance. I am being charged a ridiculous amount of interest that is compounding at an astounding rate. This is much higher than if I was paying the normal amount per month. They do this on purpose to make it capitalize towards the entire loan amount. These guys are XXXX and shouldn't be able to get away with this. If I could afford a high-priced lawyer I would. I have visual evidence as well in the form of screenshots. Let me know what I need to do next. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : Experian XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}
Product: Debt collection

I have sent several requests to Portfolio Recovery per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also 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. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has locked me out and to be able to access my account, this was the email they sent. I have 3 emails. I changed phones and went to sign in the app and it wouldn't let me. I contacted Credit Karma. They sent this to me in another email as well. I did not give this info to sign up and dont think its appropriate to send it to them considering its very personal info that could be used to steal my identity. 
XXXX XXXX Credit Karma Member Support, XX/XX/XXXX, XXXX XXXX  PDT : Hi XXXX, Thank you for your response. To help you, I need to verify your identity. You can securely upload your identity verification documents using the link at the bottom of this message. 

Two different forms of identification are required - either two primary or one primary and one secondary document.

I can only accept documents that are current and valid, not expired.

Please make sure that all four corners of your documents are visible when you take the photos. ** Primary documents include : Drivers License or State ID Passport Permanent Resident Card ( Green Card ) Military ID ( requires front and back ) Secondary documents include : Another document from the primary list Birth Certificate Social Security Card ( can't be laminated ) Full Utility Bill such as gas, water, electric or internet.

Your service at address must match whats on file with XXXX or XXXX. We can not accept credit card or banking statements or a cell phone bill.

For your security, please do not send your documents as email attachments.You can upload images of your identity verification document ( s ) here : XXXX XXXX  XXXX I'll send you an email as soon as I review your documents. 

Thanks Credit Karma Member Support
Product: Money transfer, virtual currency, or money service

I am writing to inform you that I was recently targeted in a phone scam that resulted in an unauthorized XXXX transaction being sent. 
The scam occurred on XX/XX/year>, during which I was misled into providing sensitive information over the phone by someone. 
The XXXX payment was sent to # XXXX under the name of XXXX XXXX XXXX of {$900.00}. They tried to have me believe my aunt was getting XXXX. 
Since my aunt lives XXXX XXXX XXXX XXXX XXXX XXXX  I was quick to send the money. They used tactics such as threatening XXXX XXXXXXXX XXXX  if nothing was sent. This call was also hacked since I was able to see my aunts caller id. Which made it even more real Given the prior details, I fell for the telephone scam. 
Given the seriousness of this matter, I kindly request the following actions to protect my account : Please conduct an internal investigation with my bank Sofi. I did not authorize a payment rather was forced and manipulated into sending the money. 
They have closed my fraud case and have provided me with XXXX resolution. Id be happy to provide more information if needed. 
Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # xxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX 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 or information, other than records of conviction of crime 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 reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to XXXX and TransUnion credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX : 1. DPT ED/XXXX XXXX Balance : {$0.00} 2. DPT EDXXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT EDXXXX XXXX Balance : {$0.00} 5. DPT EDXXXX XXXX Balance : {$0.00} 6. DPT EDXXXX XXXX Balance : {$0.00} 7. DPT EDXXXX XXXX Balance : {$0.00} 8. DPT EDXXXX XXXX Balance : {$0.00} 9. DOE XXXX XXXX Balance : {$0.00} 10. DOE XXXX XXXX Balance : {$0.00} TransUnion : 1. DPT EDXXXX XXXX Balance : {$0.00} 2. DPT ED/XXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT ED/XXXX  XXXX Balance : {$0.00} 5. DPT ED/XXXX XXXX Balance : {$0.00} 6. DPT ED/XXXX XXXXXXXX Balance : {$0.00} 7. DPT ED/XXXX XXXXXXXX Balance : {$0.00} 8. DPT ED/XXXX  XXXX Balance : {$0.00} 9. DPT ED/XXXX  XXXX Balance : {$0.00} 10. DPT ED/XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo bank claims I took XXXX out of their ATM machine XX/XX/2020. My statements indicate I did not take anything sout of their ATM. They insist that I did and is charging me late fees and penalies. My credit score was XXXX  now its XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to buy a car and i was denied due to damages to my credit according 15 USC 1681 Law That is deformation to my character.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$5000.00} from my checking account to my friend 's bank account in XXXX via Western Union XXXX. According to Western Union, the money is sent to the XXXX bank on XX/XX/XXXX. However my friend still hasn't received my money today.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

From XX/XX/XXXX to XX/XX/XXXX I i made my mortgage payment of {$1100.00} principal interest and insurance and taxes to freedom mortgage. Beginning XX/XX/XXXX to XX/XX/XXXX they accepted my payments as partial payments then would not apply it to my account. When I asked why I had a late fee they told me they did n't accept partial payments. What happened was my escrow account had increased due to increased taxes of which I did n't realize that had happened. I feel that is wrong not to accept my payment then not return it and still charge me a late fee
Product: Debt collection

I requested services on XX/XX/2020 for telephone and internet services for a new home that I purchased. I was told that the router for the internet and the services would begin on XX/XX/2020. I did not receive service nor any equipment, I contacted XXXX, a technician was sent to my new home on XX/XX/2020 and the technician could not get any connection for service, he told me he would put a ticket in to cancel the service, I called XXXX on XX/XX/2020 and was told that the ticket was in and the account was closed. I received a bill from XXXX via the XXXX app at the end of XXXX 2020, and immediately contacted XXXX and was informed to disregard that bill, the paper bill will be {$00.00}. I now receive notification from a collection company who is trying to collect {$31.00} for services that I have never received. I contacted XXXX and each time I am transferred to the collection company. Today I went on the XXXX Chat line with their representative and I have a part of her message below ''. 
" thank you for waiting, i was able to check the account, please disregard the bill you received, no balance on this account i will create a ticket for you to stop receive bill ofr this account '' I have been getting the run around since XX/XX/2020. Please help me resolve this dispute. Thanks
Product: Credit reporting or other personal consumer reports

Once again after months of battling this fraud, I'm addressing Experian is reporting fraud accounts on my credit report. Experian continues to violate my rights & have failed to provide legal proof. I requested actually physical proof months ago, starting in XXXX, XXXX & XXXX & I still haven't received anything back. Experian investigated with the companies reporting fraud & say it's verified but show no actual proof, any one can show a credit bureau a bill & my info, that some one stole from me! They pay these credit bureaus to report fraud & it needs to stop!! I been a victim of ID theft for years & I'm exhausted from this disaster & Experian refuses to provide support. Experian is breaking the law over & over & so are these companies reporting fraud! I Will proceed with a law suit if Experian doesnt stop breaking the law. These accounts are FRAUDULENT!! XXXX XXXX  acct # XXXX {$2200.00}. XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00}, &. XXXX XXXX XXXX XXXX acct # XXXX {$2800.00}. Experian nor these companies have supplied me physical lawful proof in the 30 day time frame & now XXXX has passed & this is way passed the legal time, therefore Experian must remove them! I have NOT received any documents I requested months ago. I have also submitted a complaint to the CEO & CFO of Experian. & I HAVE FILED A COMPLAINT WITH THE ATTORNEY GENERAL! Experian has 14 days to remove or I'm filing a law suit, my attorney will be contacting you soon. 
Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I had applied for a credit card, and was denied because they said they were unable to verify my Identity. After a long investigation, the bank informed me that on my Lexis Nexus report they pulled when I applied for the credit card shows, that I have 2 social security number. I reached out to Lexis Nexis and spoke to someone on the phone, and she states she could not find such, but she sent me a copy of my report. I have looked and I don't understand how to read the report. On XXXXXXXX XXXX, I re-applied for the same credit card, and was told they could not verify my identity because Lexis Nexus is showing I have XXXX XXXX XXXX XXXX. I need this issue fixed and I can't get anyone at Lexis Nexus to understand and help me with this.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion Credit Report I noticed there is a XXXX  XXXX & XXXX Bankruptcy reporting. XX/XX/2023 I mailed a Certified disputed letter and a copy of a letter from the XXXX XXXX stating that, the XXXX XXXX do not report, verify or validate information from a consumer credit files to the Credit Bureau. 
XX/XX/2023 I received a update from TransUnion stating that, no changes will be made. I have yet to receive documents explaining how this information was verified and by whom. The reporting requirements do not comply with FCRA Law.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> I was contacted by a loan broker via phone in regards to a line of credit for my company. on XX/XX/XXXX the agent for the loan company reached out with the details of the loan and the process to secure the program. An up front fee of 5 % ( {$30000.00} ) of the XXXX value was required to gain access to the funding portal via XXXX XXXX. money was transferred via wire from our bank M & T Bank on XX/XX/year>. Portal access was never provided, deposit funds were gone within 24 hours of outbound wire. 
XXXX XXXX was vetted by myself to the best possible capacity including review of loan contracts, and signatures of officers listed on the documents. Officers/CEO was vetted, no reason to expect issues. all falsified in the scam process. 
M & T Bank failed to have a vetting/red flag process in place to verify legitimacy of the receiver and had no protocols in place to double check validity other than the request to confirm that this transfer was confirmed with the receiver by either voice or written/email correspondence.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I compose this complaint while grappling with an overwhelming blend of dismay and indignation that any individual in my circumstances would undoubtedly experience. I am absolutely shocked by the astonishing and unjust rejection of my identity theft claims by your organization, despite my provision of substantial evidence in the form of an FTC report. The Federal Trade Commission ( FTC ) has acknowledged the legitimacy of my claims. I have diligently followed all proper procedures, and it is inconceivable that your organization persists in disregarding the law and my rights as an identity theft victim.I will not hesitate to enlist legal representation to ensure that your organization is held accountable for its negligence, please remove these accounts : XXXX XXXX XXXX & XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Against TransUnion for Failing to Complete Dispute Investigation Within XXXX Days I am writing to file a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation of a credit report dispute. 

On XX/XX/year>, I submitted a dispute to TransUnion concerning alleged debt. This dispute was submitted through Mail. Under the FCRA, TransUnion is required to investigate and resolve disputes within XXXX days of receipt. 

As of today, XX/XX/year>, more than XXXX days have passed since I initiated the dispute, and I have not received any communication from TransUnion regarding the status or resolution of my dispute. This delay constitutes a violation of the FCRA and has caused me significant distress and inconvenience, as the unresolved issue continues to negatively impact my creditworthiness. 

I have attempted to contact TransUnion multiple times to inquire about the status of my dispute, but have received no satisfactory response. Given their failure to comply with the statutory requirements and their lack of communication, I am seeking your assistance in addressing this matter. 

I request that the Consumer Financial Protection Bureau take appropriate action to ensure TransUnion fulfills its legal obligations and completes the investigation of my dispute promptly. Additionally, I request that measures be taken to prevent such delays in the future, ensuring that other consumers do not experience similar issues. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$2400.00} XX/XX/XXXX listed on my report as XXXX XXXX XXXX  XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX account is inaccurate XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX account # XXXX inaccurate description on my report XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]