23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.
Product: Debt collection

Challenge financial services Had agreed to repair the vehilce, and continued to accept XXXX payments from me ..3 after car was impaired, I had warranty extended. They took my cash and XXXX deceived me and repossessed the car after taking my money, each time I wanted to record her calls for verification she would hang up on me ... .in effort to avoid a record of the agreements, malicious lender!! Needs to be investigated.
Product: Debt collection

This wasn't a frequent call, it was more that they called me at XXXX XXXX  to get me to give them information on my XXXX XXXX XXXX step-son who has not lived with me or even lived in the same state as me in nearly 20 years. My step-son has never shared a phone account with me not do we have similar numbers. We don't share any financial anything together.
Product: Credit reporting or other personal consumer reports

I sent in a request to remove a bankruptcy placed on my account that was not provided by the company. I provided proof from the courts stating they don't report this and still verified it as accurate with no proof of who is saying this is valid by the company.
Product: Debt collection

I was sent to collection with the account attached, and that account dont belong to me
Product: Debt collection

I received a missed call from XXXX at XXXX on XX/XX/2019. I returned the call 10 minutes later. A robot answered and asked if I was ******* *********, press " 1 '' for yes. I pressed " 1 '' for yes. Then I was transferred and a gentleman answered the phone, said this was MSR Associates and asked me why I called. I said I just missed a call from this number. He asked me if the call that I missed asked me for me by name. I told him it didn't but when I called back it asked me to confirm my name was ******* **********. He said great now can you tell me your address to verify your identity. I said no, I do not know who you guys even are, who are you? He said that is was okay to not verify but that we can no longer proceed and then he hung up. 

I then researched the company and found out it was a collection agency. They did not tell me that during the phone call. I researched further and went into my credit reports and found nothing in my credit reports. I checked XXXX and XXXX. That leads me to believe that they are attempting to collect money I do not owe.
Product: Debt collection

Holloway Credit Solutions has reported derogatory information on my credit report that I do not owe them. They have violated my rights under HIPPA and FCRA in this manner before. They told me that they would remove ALL of those negative and illegal items from my credit immediately and have failed to remove ALL of them. There is still one reporting for the amount of {$290.00} in which I do not owe to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inaccurate listed on my credit I have tried mailing and disputing without any luck that was XX/XX/2020. I have also called XX/XX/2020 and I was not verifiable with a my valid GA License. I placed a freeze on all my credit information and received mail from the company in someone else name. Which I requested to remove in XX/XX/2020. I have a Bankruptcy on my public records which is not mine. Address that are not mine and have been reported as fraud, they are still on my credit report.
Product: Credit reporting or other personal consumer reports

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Money transfer, virtual currency, or money service

To whom it may concern Hi my name is XXXX XXXX and I am writing this message to you because I need your help. I am XXXX XXXX XXXX student in XXXX, XXXX. I need to send my money to my XXXX XXXX  account with XXXX XXXX. But after 10 days they refunded my money and when I asked the reason from the XXXX XXXX agent, he told me " your name is same as the name of a person who is in XXXX list due to sanctions ''. What should I do now? I am just a XXXX XXXX XXXX student and it is urgent for me to send my money to bank account because of my security.
Product: Credit reporting or other personal consumer reports

my information has been compromised, after review my Credit report I noticed repeated inquiries by Credit Karma that were excessive multiple daily.
Product: Credit card

On XX/XX/XXXX I placed an order for a Sony camera  that cost {$4100.00} I was told it would ship on XX/XX/XXXX On XX/XX/XXXX i messaged Dell asking them to confirm shipping date because i was going to be out of town and wanted to make sure it was still expected to ship on XX/XX/XXXX. The dell customer service team confirmed that. 

On XXXX XXXX XXXX I received and email telling me that the package shipped. I was out of town at this time but figured given the value of the item it would never be just dropped without a signature or handing it to a person at the residence. 

On XX/XX/XXXX I received an email saying the package had been delivered, yet I had no ring on my door bell showing someone tried to deliver a package. I then looked at my ring camera and seen no package in the view of the camera. 

So late XX/XX/XXXX I then emailed Dell asking them for some information and telling them that the package shipped way early and why it wouldnt require a signature. 

Dell confirmed it shipped and that it didnt require a signature for delivery and its XXXX  ( the shippers ) choice if they require a signature or not. 

I returned home the following day to see I had no package from XXXX or Dell. I then emailed Dell and XXXX about this and they both blamed the other for why it would ship early and without a signature for a XXXX XXXX item. 

I then made contact with my credit card provider asking them what protections I have and they gave me a very generic response and told me to get with Dell about it and there is nothing they can do. 

Basically I purchased a {$4100.00} camera from Dell.com using my Dell issued credit card. The item shipped XXXX  XXXX  early and was shipped without signature confirmation. I never received the item and have been told its my fault and to pay the {$4100.00} for an item I never received. 

To make matters worse I had to purchase the same camera from another company. Spent XXXX XXXX  on it and that other company shipped with signature required. The other company shipped it with signature and told me that ALL items over {$500.00} should have a signature required due to the fair credit billing act.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

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

The bureaus fell to comply with the law.. I sent out several dispute in regard to my credit concern.. They have not yet to provide me with my investigation results.. They are in violation of the law and I will like for my credit concerns be removed from my credit report.. immediately
Product: Credit card

I bought XXXX computer using barclay card with 0 % APR for 12months. I was paying {$100.00} every month. In XXXX 2015 the remaining balance was {$200.00} and was charged with XXXX dollars of interest for not paying off entire balance on time. It turns out that it was deferred interest card. Well nobody told me that when I was signed up for card. What kind of practice is that? They made XXXX and lost customer. I will never use barclay services.
Product: Checking or savings account

Hello, I found citizens bank business checking promotion online. Please see the link. 

https : XXXX. 

Citizens bank had a promotion to open a business checking account at that time. 
earn a {$500.00} bonus, open your first new Business Advisor Checking account between XX/XX/23 and XX/XX/23 and have a minimum opening deposit of {$5000.00} post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below. Qualifying transactions include deposits made at a Citizens branch, ATM, or through the mobile app ; payments made by check or XXXX XXXX XXXX ; debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Transfers between other Citizens accounts do not qualify. 

I made an appointment at Citizens bank XXXX branch, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. The banker XXXX XXXX opened a business Advisor Ckg account for me on XX/XX/1923. 

I met all Citizens bank business checking promotion condition since then, but I still dont receive the {$500.00} bonus. 

Please investigate what happened and deposit {$500.00} to my account. 


Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to conduct a proper investigation into disputed items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my formal disputes, Experian failed to fulfill their legal obligation to investigate, verify, or remove inaccurate and unverified accounts from my credit report.

Specifically : 1. Failure to Conduct a Genuine Investigation : Experian 's responses to my disputes appear to be automated, with no evidence of a proper investigation. The disputes were closed quickly without a thorough review of the supporting documentation I provided to prove the inaccuracies. It like it was auto/AI generated investigation.

2. Inaccurate and Unverified Information Remains : I provided clear evidence that certain accounts on my credit report were inaccurate or fraudulent. Despite this, Experian allowed these accounts to remain on my report, negatively impacting my credit score and financial standing.

3. Failure to Fulfill Legal Obligations Under FCRA : The FCRA requires credit reporting agencies to verify disputed accounts within 30 days and remove unverifiable information. By failing to provide evidence of verification or removing unverified accounts, Experian did not comply with these legal requirements.
Product: Money transfer, virtual currency, or money service

I bought speakers from a new seller on XXXX on XX/XX/, and the seller negotiated the purchase via email the seller wanted to pay for the product by transferring money to the XXXX 's deposit account but the transfer was unsuccessful because the account number was found to be wrong. Then the seller let me transfer money to the bank account as follows : Account Holder : XXXX XXXX Bank Name : WELLS FARGO BANK , N.A . 
Account Number : XXXX Routing Number : XXXX Amount : US {$740.00} Transaction Date : XX/XX/ Then the seller urges me to send a copy of the transfer receipt. 

Later, the seller changed the name in the email conversation from XXXX to XXXX, which made me suspicious. So check out the top seller 's ads. XXXXXXXX  which was found to be banned, including the seller 's user account was also banned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a scam and Identity theft victim. In   XXXX   XXXX      two pe ople scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the    XXXX   county DA office . There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six people that I know who have filed police reports on these two an d we are all working together toward getting justice. Now, I have disputed the charges on  XXXX  /Wells Fargo NA..  THESE CHARGES ARE FRAUDULENT.     I request a copy of the investigation because I know the charges are fraudulent and there were several charges for phone service that I want to know who these belonged to. I could not get the information from   XXXX   XXXX   XXXX   and   XXXX   since I did not have the account number they would not provide it to me nor would  XXXX /Wells  Fargo. Plus all th e other charges.     I was refused this information which violates my rights.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX    . ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. Its time to come to terms with this.     The credit bureaus have removed the accounts. Now I request that  XXXX  /  Wells Fargo NA remo ve all fraudulent charges.     I am providing some additional information.     Check out the facebook  page. Scroll down  all the way down.   XXXX   XXXX   XXXX   They boost about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away. I DID NOT MAKE THESE CHARGES, And  Wells Fargo knows this.      PS : I can provide witnesses and their police report upon request.
Product: Money transfer, virtual currency, or money service

PayPal would not allow me to send money out form my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing in response to the correspondence received from XXXX XXXX XXXX XXXX ( XXXX ) regarding my complaint, which was forwarded to your office on XX/XX/2024. Despite the thorough review of my case, I am deeply disappointed by the continued inaccuracies and lack of resolution concerning the bankruptcy record listed on my PACER file. 

XXXX claims that they did not locate the bankruptcy record associated with my identity during their investigation. However, I find this assertion to be misleading and contradictory to the evidence provided. The bankruptcy record with case number XXXX does exist and inaccurately reflects on my consumer reports, causing significant harm to my financial standing. 

Furthermore, the suggestion that I should contact PACER directly for corrections overlooks the responsibility of XXXX to ensure the accuracy of the information they provide to consumer reporting agencies. It is unacceptable that despite my repeated efforts and the involvement of regulatory agencies, this issue remains unresolved. 

I demand immediate action to rectify this situation and remove the inaccurate bankruptcy record from my credit report. Failure to do so will compel me to pursue legal action to protect my rights as a consumer and seek appropriate remedies for the damages incurred. 

I expect a prompt response confirming the removal of the erroneous information from my credit report. 

Sincerely, XXXX XXXX
Product: Debt or credit management

I had Lexington Law to help repair my credit and they didnt do a thing cause it never changed and they was charging me every month for nothing have changed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federal protected consumer rights. XXXX XXXX XXXX Account number XXXX I looked at my XXXX report a few days ago, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual 15 USC 1681 ( e ) ( b ).

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Pursuant to the Fair Debt Collection Practices Ac
t, 15 USC 1692g validation is requested from XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised XXXX XXXX XXXX and Quality Loan Services ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy.
Product: Credit reporting or other personal consumer reports

I have checked, credit report and I have discovered fraudulent account being reported, these fraudulent accounts are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, these accounts are fraudulent and I request them to be removed, as they are affecting my credit score. Also I have discovered fraudulent hard inquires these are XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I purchased XXXX money orders from Western Union at {$500.00} per money order. {$2500.00} in total. I gave them to my landlord and after XXXX weeks he said that XXXX money orders were returned to his bank as refer to maker. He gave me paperwork from his bank. I have been unsuccessful at trying to get refunded {$1500.00} that is not accounted for. I can't get them to cooperate and send me photocopies as proof that they were cashed. I sent emails of all documents they requested, I paid {$15.00} for XXXX additional money orders as payment for the request for photocopies and still they can't trace anything or claim they haven't received anything. I mailed and emailed all paperwork that they requested to them.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

My home insurance provider sent two payment requests to my mortgage lender Specialized Loan Servicing ( SLS ) for the XXXX period. First payment requests was made on XX/XX/XXXX and the second on XX/XX/XXXX. However, Specialized Loan Servicing intentionally chose not to process the payments and without informing me, leaving me without home insurance for an entire month. Despite my unawareness, SLS billed me a hefty amount of {$170.00} for the lapse in my home insurance coverage from XX/XX/XXXX to XX/XX/XXXX, charging an exorbitant rate. 
I called SLS and spoke to XXXX on XX/XX/XXXX she promised that a manager will call me back and no one did. I called again on XX/XX/XXXX and spoke to XXXX and again no one called me back. 
I emailed them on XX/XX/XXXX and they did not reply. 
On XX/XX/XXXX they charged {$170.00} under : " Escrow Disbursement : Forced Placed Hazard Insurance ''. 
This was a deliberate and deceptive trick to keep me without home insurance without my knowledge so they can charge {$170.00} for the lapse time. 
Please advise
Product: Credit card or prepaid card

Applied for Best Buy Credit Card specifically to purchase an item worth around {$1500.00}. During the application process, I was offered the Best Buy Gold Visa, and was required to accept the annual fee of {$59.00}, which I did. 

It was only after accepting the annual fee that I was advised the credit limit would not be sufficient to purchase the item I had specifically applied for the card to purchase. 

I contacted the issuer to discuss if an increased credit limit would be possible, which was declined, and at this point I requested the annual fee either be waived or refunded and was advised it is company policy not to waive or refund annual fees, despite the card not being suitable for the reason I had applied.
Product: Credit reporting

THESE COMPANIES HAVE NOT VALIDATE AND AUTHORIZATION TO PULL MY CREDIT. THERE IS NO SIGNED AUTHORIZATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by Experian, XXXX, and XXXX. Despite sending two letters requesting that these errors be corrected, the information has been verified inaccurately. 

The discrepancies are as follows : The credit report agencies are reporting three different account numbers ( XXXX, XXXX, XXXX ) for a single XXXX XXXX account. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), if, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information. The agencies have failed to comply with this requirement. 

I have attached evidence to support my dispute, along with a copy of my ID for verification purposes.