23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I held a debt amount with XXXX XXXX XXXX Online ( XXXX XXXX XXXX ) and was originally owed tuition reimbursement for dropped classes. I held a balance with the school and was told I did not have to fulfill the balance until my reimbursement was received. After coordinating my tuition reimbursement I called the school to pay the amount due and they notified me that they forwarded my balance to collections. This is the first issue. 

After receiving that information I called the collections agency involved ( XXXX ) and was told that I could not remove the balance from my account due to it being a student loan and that my amount due was more than my reimbursement amount. I initially paid half of the balance up front and paid the remaining balance on XXXX/XXXX/2015. I have a written paid in full email from XXXX. 

Two months later I was contacted by First-Source Collections agency via phone and was told that I have a balance from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the claim and asked for contact information to submit my paid in full letter from XXXX. 

After submitting the letter First Source called me back 1 month later and informed me that I still had a balance from XXXX and that it was forwarded from XXXX to XXXX and then XXXX disbursed the amount remaining to the company that now owns the amount First Source. 

I was originally told by XXXX that my only balance that was originally held with XXXX was my only balance on record with the company when I originally made my dispute. My issue is that a random $ 1600.00+ balance was wrongfully generated with XXXX XXXX and that without justification they reported to my credit the loan amount while it was still in dispute. This amount is completely false and I believe that XXXX XXXX XXXX via First Source is fraudulently trying to charge me already paid for sums of money originally held by XXXX and paid for by myself.
Product: Checking or savings account

A couple of weeks ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank . Never heard back from them about the job, however today I received a new debit card for a new XXXX account I never asked for. I called and they cancelled the account, advising that there had not been any activity. They said they also filed an XXXX Report. 

This comes on the heels of a letter I received about XXXX weeks ago from XXXX XXXX, saying somebody tried to open a credit card in my name but they thankfully declined it. Since I've had my credit frozen I'm not sure how PNC was able to open an account. 

I'm a XXXX and it's starting to feel like I've got a target on my back...
Product: Debt collection

XXXX XXXX, and equifax has refused to remove the account from showing on my credit report. I did not renew any loans with this furniture store. I sent equifax a copy of the judgement from your prosecution to remove and close the debts on all XXXX accounts but they are still attempting to collect from XXXX that don't know about the class action that was held against them. I also have submitted an FTC to equifax as to me not renewing this loan. I am a identity theft victim and neither companies have taken the severity of this serious. This is affecting my credit report and my career in the XXXX. I need it removed ASAP.
Product: Checking or savings account

I deposited a check in my account on XX/XX/XXXX and i was informed that the funds would be available on XX/XX/XXXX. I went to the bank on XX/XX/XXXX and i was informed that they could not link the attorney who issued the check to his law firm. I was informed by Capital One Bank that there was a restriction on my account and they could hold my funds until. Today is Tuesday XX/XX/XXXX the bank has been holding my check for over a month and they stated they don't no when it will be released. 

PLEASE HELP ME?
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$81.00} XXXX XXXX FIN XXXX Balance : {$2400.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$81.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I attempted to shop for a good rate for a car in XXXX of 2014. I went to one XXXX dealership and I received 9 hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX credit report today, and noticed that Credit Karma had been doing many "soft" pulls recently. This seemed odd, since I don't have a Credit Karma account. I tried to open an account, but was told that I "already have an account", but under a different e-mail address. The address they have on file is . XXXX XXXX is my ex-husband, from whom I was divorced back in 2012. (This is not at all the first instance of identity-theft my son and I have encountered, sad to say.)

I have contacted Credit Karma about this identity-theft and fraud, but it's too soon to have heard back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, First of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with XXXX, Equifax, and XXXX and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

EQUIFAX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only XX/XX/2019. 

XXXX : XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only Inc Via  XXXX XXXX XX/XX/2019 XXXX : XXXX CREDIT/OFF LEASE O XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX XXXX  XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit report.
Product: Mortgage

I get repeated " Annual Occupancy Certificate '' statements forms to fill out as terms of my Reverse Mortgage with Champion Mortgage and when I do send them in, they send another one within a month stating it is 2nd notice and I sent in the first one within one week of getting the first form. Even though I sent it back via their fax # and at same time, sent it via US Mail. 
When I called their customer service # and spoke with a guy known only as XXXX, he sated the records show receipt of my from from XX/XX/2016. But when I asked why they sent me a 2nd notice dated he said only that he guessed that the forms must of crossed themselves in the mail. But when I pointed out that there was a good 2 weeks from their receipt of my first form, he had no other explanation even though I asked for an answer as to why they did this. Upon doing a search of complaints about Champion Mortgage I found many, many complaints against them for shady practices such as setting up people to look like they were out of compliance on their loan and they were foreclosing. 
I have sent a letter to them asking for a response about why they send the same form to be completed when they know one has been submitted and received. I will attach a copy of that letter. 
After seeing all the complaints about this company I am very scared that they are setting me up for a false foreclosure and use this as an excuse to do so.
Product: Credit reporting or other personal consumer reports

I submitted an opt-out request to XXXX and received confirmation on XX/XX/year>2023, that my information would be suppressed from their publicly facing public records products. Despite this, XXXX has continued to report and share my personal data, which includes a judgment item that is inaccurate and not reflected on my credit report. 

I am a victim of identity theft, and I provided XXXX with a valid police report and proper identification to support my claim. The judgment being reported allegedly from XXXX in connection with XXXX XXXX XXXX XXXX XXXX is not mine. 

This inaccurate and unauthorized reporting has impacted my ability to move forward with employment opportunities, as background checks referencing XXXX continue to show false information. XXXX is violating my rights under the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy, failing to properly investigate disputes, and continuing to disclose suppressed data. 

I am requesting CFPBs assistance in enforcing my rights and ensuring that XXXX complies with both the suppression request and federal law under the FCRA.
Product: Credit reporting

Disputed an inquiry made by " XXXX XXXX '' on XXXX XXXX, 2014 to Equifax. I have n't done business with XXXX in nearly a decade and positively did n't authorize them to make an inquiry. 

Equifax responded that inquiries " are a factual record of file access '' and as such wo n't be removed by Equifax , regardless of whether or not authorization was given for the inquiry to be performed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours statingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i,. 
which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with thenecessary proof of investigation
Product: Credit card

Synchrony Bank is not abiding by their basic agreement- I had ordered a single piece of merchandise - an XXXX XXXX XXXX XXXX  figuring for a total of {$34.00} in XXXX of 2024. Although the merchant provided a tracking number, the items was NOT delivered to my address- this is one of the latest scams going around that sadly, Synchrony Bank is not aware of are their investigators are simply not trained properly to deal with it - Synchrony Bank then denied my fraudulent complaint citing the fact that a tracking number was provided by the merchant - an easy call or investigation by them would have revealed that the merchandise was NOT delivered to my address but it appears that their investigators are not all that competent. If that wasn't enough, this merchant started doing unauthorized reoccurring charges. When I discovered them on my XXXX statement in XXXX, I called Synchrony 's customer service line. The reps I spoke with assured me that they would be removed. They apparently were & to be safe, I was issued a new card. The charges came back as reoccurring since that is how the perps set it up. The charges came back in XXXX, I called again, & thought I had this reoccurring thing removed. Another month later in XXXX now, followed by XXXX and now XXXX - Synchrony Bank, continues to do balance transfers from the old cards to new ones & they are all fraudulent. I have made several more calls along with live chat to get it resolved. I told than that I have a lifelong XXXX credit rating, always pay my credit card balances at the end of each month ( I never have to pay finance charges ), and keep meticulous records. I realize in the great scheme of things {$51.00} ( which is now growing from XXXX ) isn't that much, but there is a principle here- I am not liable for the fraudulent charges & the reps I spoke with agreed with that, but the keep reoccurring on this credit card - I have since canceled the card, but they continue to say that I owe them {$51.00} now. So what do I do?
Product: Checking or savings account

In early XXXX, I was sent a letter from Flare XXXX by XXXX with a debit card and all of the terms and conditions paperwork. I received the letter a month later since it was sent to an address I have not lived at in 4.5 years. I did NOT request to open an account. I called customer service on XXXX XXXX and they wanted the last 4 of my social security number in order to " look into '' this account that was opened. I declined. I gave them the 16 digit number on the debit card. I was NOT going to give them information that could open/activate the unapproved account.
Product: Credit card

While on a XXXX XXXX cruise XXXX purchased a ring that was being shipped to me. On XXXX went back to merchant to cancel the order. They told me to contact my credit card company, Charges landed on my accounts XXXX and I disputed the charge. 
XXXX charges removed pending investigation. 
XXXX XXXX XXXX called wanting to send me the ring. I told them no I wanted the sale cancelled. 
XXXX dispute denied. No investigation was done. 
XXXX XXXX XXXX called again wanting to send the ring. Again I said no. 
XXXX was never received XXXX dispute filed again. 
XXXX email from BOFA XXXX received letter dated XXXX from BOFA requesting additional info. 
Sent requested info via internet on XXXX A letter dated XXXX denied the dispute a second time
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 EXPERIAN replied to my request for Verified Certification of your records for my credit report. EXPERIAN stated that Verified Certification is not available for EXPERIANS records pertaining to my credit records.

EXPERIANS continued storage and relaying of any unverified and uncertified records regarding myself is cause for tort claims against EXPERIAN for damages.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I asked Experian to reinvestigate accounts on my credit file. 
XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX I asked for them to produce a copy of the original singed contract with my signature on it and what was the method of verification was used.They couldn't produce the requested items. I asked for, I never received it. According to 15 U.S.C. 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. It also states : no consumer reporting agency can not furnish an account without my written instructions. It has been more than 30 days and by State and government law, the disputed accounts must be removed. I also sent everything in certified mail. This is a violation of my rights. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. They could not produce the original signed contract with my signature on it, by State and Government law, the disputed accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed XXXX XXXX a package comprising a copy of the letter from my mobile phone carrier, and a recent copy of my ID Theft Affidavit to support my claim of ID theft.  I sent the letter to both their credit reporting department and their office of consumer advocacy.  They have refused to accept the package at both locations. I have a photographic copy of the return receipt status attached to both letters. For some reason I cannot attach the copy or the letter.  This action is yet another in a long line of purposefully deceitful and shady actions perpetrated by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Wells Fargo Card Service and XXXX XXXX. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy record that belongs to my brother, inaccurate credit inquiries that was done by my brother just like for a car purchase. And mostly mix up of credit reports with my brother.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX is reporting a credit card as a charge off on my XXXX credit reports. 

The account is fraud and was open without my consent of knowledge. I filed a police report and FTC affidavit and asked that the account please be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint over the complete failure of Sendwave to deliver funds to my XXXX XXXX XXXX Account in XXXX. 

I initiated a {$2000.00} transaction on XX/XX/year>, and the funds have yet to be delivered to me. I received a misleading notification on XX/XX/XXXX that the funds had been delivered, but my XXXX account was never credited. 

When I contacted Sendwave, I was put through the unnecessary hassle of providing my XXXX XXXX XXXX XXXX XXXX ) account statement to prove my claim, which I did. 

Despite repeatedly calling and demanding a refund, nothing has been done. This situation has escalated beyond acceptable limits, as this XXXX transaction has been unresolved for over 12 days. I have asked for a refund since they're having issues with their local partners but to no avail. This is completely unacceptable and deeply frustrating and would appreciate some assistance with this. 

Thank you for your anticipated response XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 


XXXX & desist Re : Notice to Cease and Desist To Whom it May Concern ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/2022. 
While checking the above report, it came to my notice that your Company has furnished an account on my report. 

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely, XXXX XXXX XXXXXXXX, XXXX ALL RIGHTS RESERVED