23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I received an e-mail XXXX ; XXXXXXXXXXXX To XXXXXXXXXXXX CC XXXXXXXXXXXX XXXX XXXX at XXXX Hello XXXX, The package entails a check of {$2900.00}. You are required to deposit the check at your bank. Do note that we deal with banks ONLY, Reason is that we make monthly reports of our transactions and financial activities to the government through the bank, so the records are required. 

STEPS TO FOLLOW You must memorize key points e.g. staff name, location of toilets etc. 
Do not use leading questions e.g. " do you sell large drinks? ". This will restrict the level of service the staff are able to provide. 
Relax, act normally, and do not draw attention to yourself. 

FIRST ASSIGNMENT INSTRUCTION BELOW You will be evaluating XXXX ( XXXX ) Money gram stores in your city. The payment you received covers all expenditures including evaluation, shopping, transport and your compensation ( salary= XXXX ) for these surveys. The balance of the money will be used to conduct a survey at the Money Gram stores. As a XXXX XXXX you should go there and study how to send money and memorize all you see at the outlet. Below is the name/info you will transfer the money/ You are to Wire {$1200.00} at each of the Money Gram money transfer outlet. 

INFORMATION FOR THE MONEY GRAM Name : XXXX XXXX City : XXXX State : MA Zip Code:XXXX Amount : {$1200.00} *You do n't need an address to send Money gram transfer, you have all that is required* * Please note, you are going to the store as a secret agent and no one must know you are working as an undercover agent or that you are evaluating them. If they ask if you are sending on behalf of another person or business, the answer is NO* BELOW IS THE EXPENDITURES BREAKDOWN : - Money Received {$2900.00} Salary {$250.00} Money gram Wire XXXX {$1200.00} Money gram XXXX transfer fees. $ XXXX Money gram XXXX transfer fees $ XXXX Money gram Wire XXXX. {$1200.00} PLEASE CHECK ATTACHMENT FOR ASSESSMENT FORM. 

Best Regards, XXXX XXXX XXXX XXXX XXXX 2016 XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

between XX/XX/2018 and today XXXX XXXX has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out. 
Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am now seeking damages with litigation since Equifax demanded the date be added to the FTC report which is another gimmick and predatory tactic to avoid penalties and delay removal. 

Under adding the inquiry there is NO way to add the day to the date. I have edited the report to manually add the date and once again I am seeking {$1000.00} per violation of FCRA XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX Fraud FTC removals ASAP further delay will result in more monetary damages awarded
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$83000.00} XXXX XXXX  XXXX Balance : {$83000.00} XXXX XXXX  XXXX Balance : {$83000.00}
Product: Credit reporting or other personal consumer reports

XXXX & COMENITY BANK CONTINUE TO REPORT INCORRECT INFORMATION ON THIS ACCOUNT. IT'S BEEN WRONG GOING ON LONGER THAN A YEAR! COMENITY LIES TO THE CFPB BY STATING THE COMPLAINT IS " A DUPLICATE '' WHICH IT'S NOT. XXXX LIES TO THE CFPB STATING THAT THEY CHECKED WITH COMENITY WHEN I KNOW THEY DID NOT!!! IT'S NOT A GOOD LOOK FOR EITHER OF THEM AND THEY'RE BOTH IN VIOLATION OF THE ATTACHED FCRA LAW! XXXX DO NOT ATTEMPT TO SEND ME THAT STUPID LETTER YOU LIKE TO SEND DEMANDING ID FROM ME. I ID 'D MYSELF HERE PER THE CFPB 'S REQUIREMENTS. YOU HAD BETTER ACCEPT IT OR I WILL FILE A COMPLETELY SEPARATE DISPUTE TO MAKE THE CFPB AWARE OF WHAT YOU ARE DOING WHICH IS BASICALLY NOTHING!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  are reporting two collection accounts on my credit that should have been filed with my insurance if they belong to me. I have no knowledge of these accounts. XXXX  is reporting 19   inquires on my credit that I did not authorize. Please remove all incorrect information.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through experian 's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 ================================== 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

XXXX XXXX IN THE EVENING TIME I HAD LOGGED INTO MY BANK OF AMERICA ACCOUNT ONLINE TO SEE THAT THERE WERE FRAUDULENT CHARGES FROM A XXXX XXXX A XXXX IN THE TOTAL AMOUNT OF XXXX. AS SOON AS I SAW THIS AND REALIZED THAT MY DEBIT CARD HAD BEEN STOLEN FROM ME BY WHO I STILL PRESUME TO BE IN CONNECTION TO MY OLD ROOMMATE AND HER FRIENDS. BANK OF AMERICA IS NOT 24 HOURS SO I COULD NOT GET IN TOUCH WITH ANYONE BUT THE AUTOMATED PHONE SYSTEM SAYING TO CALL BACK DURING BUSINESS HOURS. 
SO THE ONLY THING I COULD DO TO PREVENT ANYMORE FRAUDULENT CHARGES IN MY ACCOUNT WAS TO LOCK THE CARD WHICH A FEATURE THAT BANK OF AMERICA HAS ONLINE TO PREVENT USAGE OF THE CARD. I CALL THE NEXT BUSINESS DAY TO DISPUTE THE TRANSACTIONS AND A COUPLE OF DAYS LATER I WAS REFUNDED HALF OF THE AMOUNT IN WHICH BANK OF AMERICA A COUPLE OF WEEKS LATER HAD TAKEN BACK THE CREDITS REFUNDED IN THE AMOUNT OF {$1500.00} SAYING THAT NO ERROR HAD OCCURRED BECAUSE MY PIN WAS TYPED IN CORRECTLY ALLEGEDLY WHEN I AM THE ONLY AUTHORIZED USER HOWEVER DUE TO BEING OUT ON THE WEEKEND, IT WAS POSSIBLE FOR SOMEONE TO HAVE BEEN OVERLOOKING MY SHOULDERS BECAUSE THAT IS THE SAME TIME THAT MY CARD WENT MISSING WHEN I WAS WITH A GROUP OF FRIENDS AND FRIENDS OF FRIENDS. I HAVE ASKED THEM TO TAKE ANOTHER LOOK AT THE CASE AS THIS WAS CLEARLY FRAUDULENT AND SOMEONE HAD COMPROMISED MY INFORMATION TO EXTRACT FUNDS THAT I HAD NO PRIOR KNOWLEDGE TO NOR HAVE DEALT WITH BEFORE AND SO BANK OF AMERICA DENIED MY CLAIM AND REFUSED TO GIVE ME MY MONEY AND STILL IS AN ONGOING FIGHT TO GET MY MONEY BACK THAT I DID NOT PARTICIPATE IN OBTAINING AND THAT I AM A VICTIM OF FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Public record Bankruptcy and the accounts included in the bankruptcy which are XXXX XXXX XXXX credit card account # XXXX, XXXX charge account # XXXX, and XXXX XXXX credit card account # XXXX. There was no proper reinvestigation done, nor was the requested proof of the investigation and verification given. I contacted the third party company and they provided proof that there was no bankruptcy in my file. 

Also, in accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 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

Experian continue to inaccurately reporting account XXXX. This account has been re-aged. Re-aged account is a violation of the FCRA. XXXX is reporting XX/XX/2020, Experian is reporting XX/XX/2020, XXXX is reporting XX/XX/2020. All three dates and years are reporting inaccurate. I have attached a copy of my credit report showing the re-aged account dates and years. This is a serious mistake and subterfuge reporting by Experian. 

Please see attach copy of credit report showing RE-AGED account Violations of the FCRA.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX : XXXX, XXXX XXXX # : XXXX, XXXX XXXX Unknown, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unknown XXXX XXXX XXXX XXXX XXXX Unknown , Tax Lien 3 XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

False statement or representation of debt Per violation, there is no legal contract on file with original signature. Contract cancelled with XXXX TX and XXXX collections. ( see attachment**************** )
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXI- XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX- XX/XX/XXXX -XXXX- XX/XX/XXXX -XXXX- XXXX XXXX -XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX
Product: Bank account or service

On an XXXX flight, the stewardess passed out pamphlets for an XXXX credit card. I took the application and asked about an annual fee. She said there was no annual fee the first year. The first time I used the card they billed me a {$59.00} annual fee. I called " Bank Of America '' and explained I was told the first year the fee was to be waived. Bank of America said they were " sorry for the misunderstanding '' but the fee stays.
Product: Debt collection

I had a collection debt with SpeedyCash that was being reported on my credit report by a collection agency named XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX and reached a settlement agreement to resolve this debt. The settlement arrangement was funded on XX/XX/2018. For some reason, XXXX XXXX is still reporting that I owe {$480.00} to Speedy Cash, even though I settled this debt two months ago.
Product: Student loan

I have had several private student loans with Navient ( formerly XXXX XXXX ) since 2009. On multiple occasions, I wanted to either increase my monthly payment beyond that of the standard repayment plan or make an extra payment towards the principal. I found when contacting them to try and have these items completed as there was no option to perform these activities online, not only were the wait times on the phone on the order of 45min to 2 hours, the service associates were not very informative or helpful. With regards to requesting an increase in my monthly payments, once the service associate finally understood what I was trying to do, the actual value that they debited from my account was less than the value requested. For example, my standard payment was around $ XXXX/month on their standard repayment plan which was automatically debited from my checking account and I requested to have the payment increased to a minimum of $ XXXX/month. I performed this request on numerous occasions over the years as my payment history demonstrates, and each time I made this request, the servicer proceeded to change my payments to a value between {$290.00} and {$290.00} per month, which automatically decreased through the year, never actually increasing the payment to or above my requested value. When I finally noticed that this was what had happened, I requested the payments increased to values above {$310.00} and $ XXXX/month to ensure my original request was met as they were unable to fulfill what I had originally conveyed to them. Additionally, when I have requested to schedule additional larger payments towards my principal without it going toward interest payments, I was generally not given clear information or a reasonable method on how to do so. I was told to mail in the additional payment such that it is processed on exactly the loan payment due date ( of which it is not possible to guarantee mailing time nor servicer processing times ) or call on the phone the exact day the standard loan payment is due, and for a fee, make an additional payment at that time. They offered no alternative options to make an additional payment against only the principal without incurring fees or a portion of the payment going to interest. Both of these experiences, with the servicer not following through with my requests for increasing the monthly debited payment to a minimum specified value, and not offering practical options for making additional principal payments, has resulted in negative financial consequences for me as the customer and financially benefited XXXX/Navient as the servicer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have provided the bureaus with documentation, and police report and nothing changed before so I am now taking the step to report for these fraudulent accounts to be blocked or removed from my credit report. As per the guidelines delineated in the Fair Credit Reporting Act ( FCRA ), I retain the right to contest any inaccurate or fraudulent information reflected on my credit report. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of identity theft and would like all listed accounts to be blocked and deleted. 

XXXX these are the accounts that are fraudulent. XXXX XXXXXXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
XXXX XXXXXXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXXXXXX XXXX XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXXXXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}. XXXX XXXX XXXX  XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX XXXX XXXX  with account # XXXX  opened on XX/XX/XXXX and a balance of {$2100.00}. 

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 2. Neglect Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability fro willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is showing charged off written off that is continuing to report with a balance as well as it being included in my utilization causing my UTI to be high on an account that I no longer have. Also each month this account reports as CO=charge off. Under the account history the AB is reporting monthly, however the amount is incorrect. The account is showing on my credit report twice with two different balances. There is an incorrect high balance amount. It's also showing past due when that is incorrect. On the Credit Report there is missing information. The terms and monthly payment is not on the credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered several inaccuracies in my personal information from Experian that require immediate attention and correction. My credit report lists an incorrect Social Security number variation ( XXXX ), but the correct XXXX  should be XXXX. It also lists multiple incorrect addresses, whereas the correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and it shows several employers that are not mine, with the correct employer being XXXX XXXX XXXX  XXXX XXXX. Lastly, remove all phone numbers listed on my consumer report. These errors violate the FCRA, which requires maximum possible accuracy under 15 USC 1681e ( b ). I demand immediate correction of my credit report to reflect the accurate information. Failure to act promptly will be considered willful non-compliance under FCRA, making your agency liable for damages under XXXX XXXX XXXX.