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

On my CRA, XXXX XXXX XXXX XXXXXXXX reflects a hard inquiry on XX/XX/2024. 

I did not authorize anyone employed by their company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting as a collection on my credit report. I spoke to a rep named Ms. XXXX on XX/XX/19 and she said my account is in collections and my account isn't even charged off or past due 30 days. Also I filed a recent report complaint # XXXX and XXXX XXXX XXXX said they did a cease and desist on my account but I received another phone call from them today. Nothing is being done on the company 's end so I think I will seek legal counsel for further assistance because thyr have clearly violated FDCPA several times and no one is doing anything about the situation.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit card

Case Number : XXXX Merchant : XXXX XXXX XXXX ( XXXX XXXX ) Amount : {$170.00} Date : XX/XX/year> After receiving the merchant response by email I would like to continue this dispute because the cash withdrawal at the ATM machine never went through as I never received the cash, it was not disbursed.

The attached receipt proves that NO CASH was disbursed because of an unknown error with the ATM. The bank agent confirm me that I never received the CASH due to a technical issue and the pending authorization at that time it will automatically drop after few days The merchant also confirmed to me this issue and promised to REFUND ME for the full amount of {$170.00} on XX/XX/XXXX, again on XX/XX/XXXX and last one on XX/XX/XXXX via email ( email attacched ).

The last email from Merchant which is dated XX/XX/XXXX, they say actually the response given to this dispute process is invalid/incorrect and I did not received any service/cash for this transaction so Im entiteled to have this dispute continue and be closed in my favor.

CAPITALONE SHOULD BE ASHAMED Case number - XXXX CAPITALONE DISPUTE

DEPARTMENT IS A JOKE BY KEEP REFUSING THE EVIDENCES I'M PROVIDING TO SUPPORT MY DISPUTE. CAPITALONE DISPUTE DEPARTMENT KEEP REFUSING MY EVIDENCES FOR THIS DISPUTE AND ONLY TAKE FOR VALID THE MERCHANT RESPONSE WHICH SENT SOMETHING AND THE DAY BEFORE AND AFTER CONFIRM ME VIA EMAIL THAT THEY SENT ME A FULL REFUND FOR THIS TRANSACTION. I WANT MY MONEY BACK BECAUSE I CAN NOT ACCEPT THIS CONTINUE MISTAKES AND MADE BY CAPITALONE AND TOTAL REFUSING TO TAKE MY EVIDENCES AS " TRASH '' BECAUSE NO VALID WHEN THEY ACTUALLY ARE SO CLEAR AND EVIDENT. I DO HAVE ALL THE PROOF FROM THE MERCHANT THAT THIS CASE CAN BE APPEALED AND CAN BE CONTINUED WITH THIS DISPUTE ONCE FOR ALL. The merchant also confirmed to me this issue and promised 6 times via email to REFUND ME for the full amount but CAPITALONE keep refusing this evidences. I also made a POLICE REPORT to be used eventually to take CAPITALONE to court suit.
Product: Debt collection

RFGI claims ( on behalf of XXXX XXXX XXXX XXXX, whose principal is XXXX XXXX ) that I paid {$2700.00} for XXXX XXXX XXXX XXXX legal services and owe them an additional {$810.00}. 

This is in fact patently false. Their reporting of a false claim on XX/XX/XXXX has caused my credit score to drop precipitously and will cause irreparable harm if it is not immediately rectified. Both RFGI and XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXXXXXX should be taken to task for this. 

I have included four attachments in addition to a cover letter : - XX/XX/XXXX - XX/XX/XXXX -- Complete communication with RFGI ( file Complete communication with RFGI ) : RFGI claims I paid {$2700.00} to XXXX XXXX  / XXXX XXXX and owe {$810.00} in response to an email from me on XX/XX/XXXX that I had paid {$3200.00} and did not owe anything given my agreement with the creditor. On XX/XX/XXXX, I provided them all the evidence I have provided here - my wire of {$3200.00} and verbal agreement with XXXX XXXX referenced in the email to XXXX XXXX. XXXX XXXX acknowledged this email, said he would look into the invoices but never responded after that ( he was always planning to get paid what he could via verbal agreement and then use unethical collection means to try to collect more ) - Proof of my wire to XXXX XXXX XXXX XXXXXXXX  from XXXX XXXX XXXX, XXXX, the entity for which I am a representative and for which XXXX XXXX XXXX XXXX  provided legal services, of {$3200.00} ( this is sufficient to prove that their claim I owe {$810.00} is incorrect ) ( file transaction-details_Wire Transfer XXXX ) -My email to XXXX XXXX disputing an additional invoice shortly after a verbal agreement on the phone that {$3200.00} would settle the entire legal bill. XXXX acknowledges the email and says he will look into the additional invoices but never looks into it/ never responds and instead continues sending unpaid invoices and subsequently sending the invoices to collection. By not intending to abide by his verbal agreement, XXXX XXXX is also in breach of California law ( file XX/XX/XXXX communication with XXXX  ) -XXXX  XXXX original estimate for the legal work of $ XXXX ( not necessarily relevant here but helpful context for anyone reviewing ) ( file XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations : XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY wrong names and address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted multiple disputes to Experian credit bureau in regard to several old credit files with several creditors that are closed. This is the second time I do so. I have previously done so and no changes to my credit scores are made. I am requesting the assistance of this entity to improve my credit scores to purchase a home and other matters etc.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company ( XXXX - XXXX XXXX XXXX XXXX ) calls FROM XXXX to my WORK number weekly for the past 2 months. I have request each time that they DO NOT call this number as it is a work number and I am not allowed to receive personal calls on this number. The company DOES have access to my personal number but continues to call my work number even after multiple requests for them to stop. Their last call to me AT MY WORK NUMBER was XX/XX/2019 at XXXX XXXX   Arizona time.
Product: Money transfer, virtual currency, or money service

My account has been locked and suspended for no apparent reason and when i try to get help they say i need to go to my branch of banking to fix it like for what?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2019 IS SHOWING A 30 DAY LATE. THIS COMPANY FAILED TO VERIFY THE 30 DAY LATE. THE 30 DAY IS UNVERIFABLE.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and found some very disturbing things on it. I found XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my account and I never heard of them. 15 USC 1681 Section 602A, 15 USC 1681 Section 604A and 15 USC 1692C are all protecting my rights as a consumer. I would like my account to be cleared of these bogus accounts.
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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using certified mail, I wrote in a request to investigation into items that are being reporting on my credit file I believed were obsolete. The company has failed and yet to forward me sufficient documents pertaining to my those item. 

The action that has been taken has been done. Other than keep sending me computer generated responses/results of " still pending '' This has been an ongoing battle with these companies for well of 3 months.
Product: Debt collection

On XX/XX/XXXX, I spoke with XXXX at XXXX in regards to an incorrect debt from XXXX XXXX. I explained to her that I went to XXXX and they advised me they have no debt for me from XX/XX/XXXX as she had stated. I asked her to send me a copy of the billing information and she stated they do not have a bill, but they only had the amount and date that was sent over by XXXX. I informed her that I spoke with XXXX several times and received a print out of an account that I had which was closed in XX/XX/XXXX. I asked her again for the copy of the bill and she stated she could not send me one because they do not have one. 

XX/XX/XXXX, I mailed them a certified letter requesting validation of debt. They replied with a letter stating this was a frivolous request. The letter did not come from XXXX but a company called Resurgent. They sent me the exact same debt collection letter XXXX sent me, just on a different letter head. I have disputed this with the credit bureaus as well and they report the debt has been verified, but it had not been verified to me. XXXX could not produce proof of the debt and their representative, XXXX, verbally stated it as well. She would not provide her last name to me or an extension number. She stated I am the only XXXX in this office. 

In addition, in XX/XX/XXXX I lived on property as a site manager. I did not have the need for any of these types of services as they were provided by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called   XXXX   and disputed some inaccuracies on my credit file. These were deleted from my filed and when I called Transunion and  XXXX  they are not wanting to comply. I have inquiries from  XXXX   XXXX  that I have no knowledge of multiple times in  one  day.
Product: Debt collection

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

DYCK O'NEAL, In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX XXXX reported this payment as late. This is incorrect I have never been late on any of my accounts this you can verify ....

This company has gone out of business and is not being ethical with its customers.

This has damaged my credit ... and I want it off my record.
Product: Debt collection

I received a notice from my employer that my wages are going to be garnished for a debt of {$47000.00} to a company that I have never heard of. I called the county to see what the money being garnished was supposed to be for " the best they could tell '' an old mortgage. 
That is impossible!!!! I live in the only home I have a mortgage on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company XXXX XXXX XXXX  closed their doors abruptly. They turned over payment history to XXXX. I paid XXXX XXXX XXXX  through their company all the way to XXXX. Then started making payments to XXXX XXXX XXXX XXXX in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, XXXX XXXX reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX of XXXX. I haven't been with this company since before the pandemic started in XXXX. 

On top of that, XXXX XXXX is listing my debt as discharged due to bankruptcy on Experian. My home loan was never in the bankruptcy.
Product: Credit reporting or other personal consumer reports

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of ( private ) and credit card account opened XXXXXXXX XXXX  on XX/XX/XXXX account number ( private ) appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I applied for a FHA loan at Movement Mortgage on XXXX XXXX, 2016 and was trying to get completed due to lease would be ending verily soon. I have been provided several closing dates and yet have been displaced to a hotel since lease is completed and have encountered over {$4000.00} in hotel room charges during these 3 months and still no decision has been provided to me as of this date. I have had to contact the XXXX Corporate office as well as the main corporate office in XXXX then to be sent to another person in XXXX Was told by Loan Officer no credits of any kind could be provided to me due to this unfortunate situation. Was harassed about the status of my children and had to prove constantly if I have given birth to them and by providing birth certificates and court documents on a almost weekly basis.
Product: Student loan

I submitted my income driven repayment plan in XX/XX/XXXX. I was told that my loans would be placed in forbearance for 60 days until my application was processed. The 60 days ran up and my application has still not been processed. I received another email stating my loans were placed in forbearance since my application had not been processed. I received a bill and logged into my account to see that only half of my loans had been placed in forbearance and that I had missed a payment. I submitted an email to Mohela on XX/XX/XXXX. XX/XX/XXXX, I call. I am placed on hold and given the option for a call back with an estimated wait time of XXXX hour and XXXX XXXX minutes. After being on hold with Mohela for XXXX hours, a representative finally speaks to me and says that I need to be transferred to an advanced representative. I am placed on hold again and after another XXXX hours, a message comes up that says sorry, an error occurred, please try your call again. The hold music then changed. I have continued to stay on the line and have been on hold for an additional hour. This is over XXXX hours since I spoke with the first representative. I am fully expecting to be disconnected within the hour once XXXX hours of operation close. There is no way for me to resolve this without restarting the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Product: Checking or savings account

I just read Wells Fargo 's response to my complaint ; you conveniently just closed it, without so much as a follow up response from me or any feedback. Please re-open this complaint against Wells Fargo. Their response was a rote, boiler plate response devoid of any personal touch, of humanity. They failed or ignored 95 % of what I documented in my complaint. Their non-response touched on the {$35.00} which I HAD REMOVED SUBSEQUENT TO MY COMPLAINT BECAUSE THE XXXX TEAM AT WELLS FARGO FINALLY RESPONDED. So Wells Fargo 's useless response regarding the {$35.00} was late and ineffective and inconsequential. As to them telling me they will not pay me interest of 1.30 %, I had to laugh, since that was mentioned to point out a FACT, not to request this fraudulent company to actually respond by paying me interest ; again that response was laughable and is WHY I DO NOT KEEP ANY RELEVANT MONEY WITH THIS UNETHICAL COMPANY. Sending me two PAGES or their hold policy was not requested, not needed, not warranted, not in any way, shape or form an adequate response from a human being. I would like a personalized response, from a human, not a boiler plate that adequately answers to every one of my many grievances with this company that shows they actually take the time to read the complaints filed on your platform. It seems the CFPB is complicit in their non-action and failure to review the responses to our complaints. How could you have closed this complaint and found it in any way satisfactory ; it was not! How can XXXX operate so differently from this very questionable company known as Wells Fargo???? That was not explained, touched on, responded to, acknowledged, or referred to. THIS IS AN INCOMPLETE RESPONSE AND A FULL RESPONSE IS EXPECTED.