23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like someone to explain to me why I am not allowed to participate in society and why I am told that I am not allowed to exist anymore. I am unable to find a job despite being over qualified for the jobs that I apply for and a spotless history of work perforamnce. I live in Nevada and they have taken away my food stamps. The state of Nevada is so corrupt that they purposefully give me wrong information like dates of interviews, they call me on different days than the appointments are confirmed for and then they deny my application and tell me that I didn't complete the interview. When I call them they tell me that I have to go down to a location and talk to them in person. My sister doesn't have to do anything and they call her on the right day and time and couldn't be nicer to her. 

I had four credit cards that I have never missed a payment on yet my credit score has been destroyed and is under XXXX. They have all reduced my available credit for no reason. They has dropped my credit score over XXXX points and I went from XXXX to XXXX and I HAVE NEVER MISSED A PAYMENT. 

I was unable to graduate college because of XXXX and their financial aid office and their sabotoging my financial aid. They made it impossible for me to attend school and say that I owe them {$12000.00} because they sent back my finacial aid to the DOE. The DOE has no record of this {$12000.00} and they say that I owe that money. 

SOMEONE TELL ME HOW THIS SYSTEM ISN'T RIGGED AGAINST ME????????????? 

SOMEONE TELL ME WHAT A WORTHLESS ORGANIZAITON THE CFPB IS WHEN THEY ALLOW THIS TYPE OF THING TO HAPPEN AND DO NOTHING?????? 

WHAT HAPPENED TO MY XXXX GIVEN RIGHT TO THE PURSUIT OF HAPPINESS AND THE RIGHT TO SUPPORT MYSELF THAT HAS BEEN TAKEN AWAY FROM ME?????????????????????????????????????????????????? 

WHAT AM I SUPPOSED TO DO?????????????????????? 

SHOULD I XXXX XXXX XXXX XXXX OR DO I HAVE TO BE HOMELESS????????? 

WHY CAN'T I JUST WORK AND HAVE A NORMAL LIFE???????? 

I HAVE DONE NOTHING TO ANYONE
Product: Credit reporting, credit repair services, or other personal consumer reports

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine some one stole my identity. XXXX XXXX  XXXX account XXXX and XXXX XXXX XXXX account number XXXX. 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Product: Debt collection

Since I made the required payment to reinstate my loan with PNC Bank, I have contacted PNC Bank several times and requested a monthly statement in-order to make my monthly payments. Each time I was told the system is being updated and I should start receiving statements soon. I have never received any new statements since the reinstatement was completed and I was recently told thats because my loan was charged off. I have documentation dated XX/XX/XXXX from XXXX XXXX XXXX  ( PNC 's Law firm ) stating by paying {$14000.00} by XX/XX/XXXX my loan would be reinstated. I made the payment on XX/XX/XXXX. Now I'm receiving threatening letters which state since I didn't make a payment in the amount of {$280000.00} by XX/XX/XXXX that I must cure this default by paying the full amount by XX/XX/XXXX. This does not make any sense.
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  Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer reporting agency, Equifax is required under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide a written notice of the results of the reinvestigation within five business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). Unfortunately, it appears that this process was not fully followed in my case. Additionally, I believe the following legal obligations have been violated : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) As a result, I respectfully request that you review the following items and, if applicable, remove them from my credit report, as they do not meet the requirements for accuracy and completeness under the FCRA : XXXX XXXX XXXX # XXXX - Verify this account. 
XXXX XXXX XXXXXXXX XXXX  # XXXX - Verify this account. 
XXXX XXXX # XXXX Verify this account.
Product: Consumer Loan

In XXXX 2013, during a time of serious financial problems I applied for, and received a loan in the amount of {$2500.00} from Delbert Services, now called XXXX. My loan number is XXXX. To date I have made payments totaling a little over {$10000.00}. When reviewing my loan balance it shows I still owe slightly over {$2000.00}. This is absurd! I not only want my payments to stop, I also believe I am entitled to a significant refund. Please help me with this matter!
Product: Debt collection

Fair Collections and Out kept calling my sister asking for me and then called her and told her that i owed them {$10000.00} for the debt at XXXX. I never authorized my sister to be given my information and I did not provide them with my sisters phone number either. The only phone number I provided XXXX Apartments was my phone number. 
The FCO team caled My sister in XXXX and XXXX over and over and provided her with the exact amount of debt that I owed.
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Can you review the documents? Some of the listed accounts contain inaccuracies in terms of reporting, including incorrect amounts and dates.
Product: Debt collection

Calls me from Unknown number, says it from s NPS, claims to have mailed me or emailed me items about my debt, says if I dont call them back they are sending a certified letter of intend to appear in Small claims court in my local county.  Say they will be out within the hour.   I try calling them back and when I ask for more detailed info the say they have me on camera and if I try to ask more questions instead of just handing over more money they tell me they will see me in court and hang up on me.   Their number is  XXXX
Product: Money transfer, virtual currency, or money service

Im a customer who is a receiver of the money transfer from the XXXX XXXX to United States. on XXXX XXXX I went to the CVS Pharmacy to collect the Money I use the MoneyGram kiosks to start my transaction and then proceed to the cvs cashier to complete my transaction during the process the CVS agent told me that they only can give {$500.00} max at the Location because I was receiving more than the maximum amount and we have to cancel the transaction, so we cancel the transaction and then I went ahead to the next MoneyGram locations when I try to receive money from XXXX  which was the next location that was open at that time it was after XXXX so the store was all closed up accept for the groceries store and CVS , they said that the Refrence number is invalid so we go ahead and check the Refrence number status and it says money has been picked up ( BUT I DIDNT RECEIVE ANY MONEY ) I came back to the CVS LOCATION TALK TO THE CASHIER AND HIS MANAGER THEY TOLD ME TO CALL MONEYGRAM AND TALK TO THEM, because they didnt give me any money and they are also closing and if the MoneyGram agent want to talk to him he is willing to talk to them. I call MoneyGram they told me they want to speak to the Agent but the CVS STORE WAS ALREADY CLOSED since I was the last Customer. I ask them if I could go back the Next Day and ask the cashier that helps me. When I went the next day he was not there. So I called MoneyGram again and try to ask the CVS EMPLOYEE TO TALK TO THEM IT WAS THE DIFFERENT EMPLOYEE SO SHE WAS NOT IN ANY HELP BECAUSE SHE WAS NOT AT THE STORE WHEN ALL THIS PROBLEM HAPPENS and due to the employee privacy they couldnt tell me his next shift so I waited for the next same Day which was on a Sunday and the Same time I did the Transaction which is Around XXXX. Because thats what the Money Gram Agent told me, when Sunday Came the CVS EMPLOYEE was willing to talk to them, they just shut me off and told me they can not give me any information and the final decision about the money has been made. I just dont get it, their final decision was the refund of XXXX. I have a witness who was willing to talk to them about this transaction. But they didnt let him explain or let us prove them that I didnt pick up any money their were 2 CVS agent who was their that night who knew everything that happened on the XXXX of XXXX between XXXX and XXXX was willing to talk to the MoneyGram. But they just go ahead with closing my case with XXXX this is not fair and I need that Money.it has caused a lot of problems in my Family because the Sender who is my Husband has blame me too that I already picked up the Money because MoneyGram came to a Selfish conclusion and the CVS agent is still willing to talk to them about my transaction. Please, please if You could look into my Case I would appreciate that Thank you. Our Case number on MoneyGram is XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Synchrony Bank concerning my sleep number account. The letter stated my account was closed based in part on a credit scoring system that was used to PREDICT my creditworthiness. Is profiling appropriate or legal on a account that is in good standings with a XXXX balance? 

I have never been late on this account with Synchrony Bank, further the several thousands dollar purchase was paid off in full, never late and my credit limit with Synchrony Bank was increase without my asking/solicitation due to my account in good standings. My mortgage, auto, credit cards and other bills are all in good standings so why? 

The company was contacted and unwilling to reopen my account thus directly NEGATIVELY impacting my credit score and worthiness without justified cause. I have a total of THREE accounts with Synchrony Bank and ALL are in good standings and two of the three have a XXXX balance. Does this make any sense? 

My account as been paid in full since XXXX and I have maintained a XXXX balance. It is my belief the actions taken by Synchrony Bank are unjust, a unethical business practice and one that harms consumers as there decision and action without due cause will impact my credit score adversely.
Product: Credit reporting

My complaint, ( TransUnion ) What they say & what they do. 
Unfair credit scoring. No reason on reduce scoring point. 
Report wrong information to companies. Report of public record to XXXX, when I have NO XXXX Record on my file. Keep collection record on my file that are PAID OFF + interest. 
creditor requested, All References be Remove from my record. This MATTER & my Personal information has LONG HISTORY from ( 2013 to present.
Product: Debt collection

I constantly receive calls from ( XXXX  ) XXXX and they usually leave messages simply stating that " this call is from a debt collector ''. They never mention the name of the company they are working, or my name, or what the supposed debt is for or what the dollar amount is. I never call them back because I do not owe any debt and this sounds like a scam. I figured that they would eventually quit calling me since I never answer their call but it's been 4 months now and the calls have only become MORE frequent ( weekly ). Sometimes I receive calls from other numbers that sound very similar but I certainly can't prove that the calls are connected. So far, I have received calls from this number XXXX on the following dates and times : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX   XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX  XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX Is there anyway I can stop this?
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/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 XXXXXXXX XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the XXXX account on my credit report. This account was previously removed but has reappeared, and I believe it is being reported in error. 

I have requested a 1099-C form multiple times regarding this account, as it was recorded as a profit and loss. This suggests fraudulent activity on my report, as it does not reflect the accurate status of my financial obligations. 

If this account is not promptly removed from my credit report, I will have no choice but to escalate the matter to the courts and the IRS. I will be reporting your participation in this fraudulent activity. 

I expect a prompt resolution to this issue. Please confirm receipt of this dispute and provide me with an update on your investigation.
Product: Mortgage

I had an XXXX mortgage for 2 years. I refinanced for a lower rate, with closing being on XXXX XXXX. I received a letter from XXXX stating they had been paid in full on XXXX XXXX. It is now XXXX XXXX and I can get no answers as to where my XXXX account is. I 've made XXXX calls to the company. In this day of electronic everything, there is no excuse for my account to be " in process '' for 30 days. What was happening during this XXXX period? This very poor customer service and I just wanted to let people know how long things take at this company. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING COMPANIES PULLED MY CREDIT WITHOUT MY CONSENT AND BROKE THE LAW : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior CFPB Complaint # : XXXX Equifax Information Services Inc Responded on XX/XX/XXXX that the accounts weren't showing on my credit report yet that is false. This company is in violation of federal law and is civilly liable to me under 15 USC 1640. 
I have attached the credit report as of XX/XX/XXXX and documentation mailed USPS Certified Mail and Faxed to XXXX ( Copy of SSN CARD and of Utility Bill ) on XX/XX/XXXX Please see attached documents.
Product: Debt collection

per the hippa law to demand this collection to be deleted from form credit report. I do not nor have not done business with stern recovery services and under the hippa law they don't have the right to uptain any of my private medical info from anyone on my behalf. Acct number ending in XXXX
Product: Debt collection

I spoke to a XXXX ( XXXX  XXXX ) representative in XXXX of 2021 and requested a quote only for TV and internet services. I specifically stated that I did not wish to engage those services. 

However, a few weeks later a box of equipment ( which still sits unopened ) arrived followed shortly by bills for cable TV service. I immediately contacted XXXX but was unable to connect to anyone that could correct the problem. On two subsequent occasions I called XXXX, each time waited on hold for over thirty minutes, never able to inform XXXX that they had made a mistake. Further, neither the bills or the XXXX website has an email address that I could write to inform them of their mistake. 

{$520.00} of charges for services and fees have been sent to Amsher collection from XXXX XXXX ( XXXX XXXX ) which now appears as a collection on my credit report. These charges are fraudulent, because I never requested those services and never received those services.
Product: Credit card

Sometime in XXXX someone applied for an American express card with my name and address they did not have the correct date of birth or employer XXXX I received in my mail and american express XXXX XXXX with XXXX limit! they did not check any of the info before initiating I got the card in my mail before they did I have become a victim of identity theft. I don't know how they get my mail. I live in an apartment, I have the only key to the mailbox. They are either getting into the box or someone through postal service is intercepting my mail. 

They also applied to XXXX XXXX and got a card. I only found out because the bank later sent me the letter with the pin and I got it first. They also applied for my husband and another woman probably fake name. My husband got the notice to come pick up the card. Filed a fraud complaint. 

They intercepted my XXXX XXXX card that was sent to me and used it up to XXXX $ this XX/XX/XXXX different locations. In person purchases. 

So far all cards are now cancelled. 

I am just wondering how they can send out a card without checking the accuracy of the information I have filed with local police but they are swamped with similar complaints
Product: Checking or savings account

Wells Fargo charged me an ACH claim reversal which caused my savings account to become negative. The negative balance in the account was supposed to follow bankruptcy and remove the negative balance. However Wells Fargo did not clear the negative balance in the savings account they caused by Claim reversal. Additionally all the Wells Fargo credit accounts have been discharged. Chapter XXXX as such Wells Fargo needs to properly report these to XXXX  instead of reporting as charge off on the note loans.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Credit Reporting Agency Involved : Transunion Account in Question : XXXX Account # XXXX Complaint Details : This complaint addresses Transunion violation XXXX the Fair Credit Reporting Act ( FCRA ) Section XXXX ( B ) regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/2024, I discovered that the XXXX account number XXXX, which had been previously removed from my credit report, was reinserted without proper notice or certification of accuracy. This action violates the FCRA requirements for reinsertions as outlined below : Failure to Obtain Certification of Accuracy : The FCRA mandates that any information previously deleted from a consumers file may not be reinserted unless the furnisher certifies that the information is complete and accurate. Transunion has failed to provide evidence that it obtained certification of accuracy from XXXX before reinserting this account. 


Failure to Notify the Consumer : The FCRA requires that if any information previously deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer in writing within five ( 5 ) business days of the reinsertion. I did not receive any written notification from XXXX regarding the reinsertion of this account into my credit report. 


Failure to Provide Additional Information : The FCRA also mandates that the consumer reporting agency provide the following information within five ( 5 ) business days of reinsertion : A statement that the disputed information has been reinserted.

The business name and address of any furnisher of information contacted.

A notice that the consumer has the right to add a statement disputing the accuracy or completeness of the reinserted information. 
XXXX failed to provide any of this required information. 



Request for Resolution : Immediate removal of the XXXX account number XXXX from my credit report as its reinsertion violates FCRA Section 611 ( B ). 
Confirmation from XXXX that this account has been permanently deleted and will not be reinserted in the future without following the FCRA 's requirements. 
An investigation into Transunion failure to adhere to the FCRA guidelines for reinsertion and assurance that similar violations will not occur in the future. 

Escalation of Complaint : XXXX failure to comply with FCRA Section 611 ( B ) has caused significant harm to my credit profile and has violated my rights as a consumer. If this issue is not resolved promptly, I may pursue further actions, including legal recourse and additional complaints to other regulatory bodies.

I request that the CFPB intervene to ensure that Transunion adheres to the FCRA and resolves this matter in a timely and compliant manner. 
Thank you for your assistance in addressing this serious issue. 
Sincerely, XXXX XXXX XXXX XXXX