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

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CBNA, THD/CBNA Made on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Money transfer, virtual currency, or money service

I received a fake job offer and the employer was not real. They sent me checks in order for me to purchase their required equipment. So I received XXXX checks of {$4800.00} and those went through. They then told me to wire transfer these funds to people claimed to be vendors to purchase the equipment. No equipment was purchased. I sent them the XXXX wire transfers of {$3500.00} required by the fake employer. Another XXXX {$1000.00} through XXXX to people they said worked for their company as well. Lastly the transfers all went through and now all the checks came back as invalid and chargebacks. I am now negative in my account because of this scam and I have never been scammed before. This money is large too over XXXX and I am just very disappointed and concerned for my situation.They also told me to purchase an XXXX and XXXX post paid plan with my own money first and they would reimburse me. Also I did buy those XXXX items and once I did they asked me to send it to their technicians in Texas to add a work tracking device to keep track of my working hours. So I sent both devices in hopes they would reimburse me and send the products back. They never responded to me again. Please help regarding these issues with the devices. I dont know what to do, I just feel so scammed. I dont want to pay monthly installment plans for them when I was taken advantage of. All of these transfers and fake checks happened beginning XX/XX/22 and the last transfer was sent XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX AXXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : account not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit card

I have a card reporting multiple missed payments. I dont have any knowledge of this card. It is fraud.
Product: Debt collection

I am filing a complaint against Credit Collection Services regarding their actions in attempting to collect an alleged debt that I do not owe. Specifically, I am disputing the debt in the amount of {$160.00} with the file number XXXX XXXX XXXX for account number XXXX XXXX, which they claim is owed to XXXX XXXX. 

I have never had any business dealings with Credit Collection Services nor XXXX XXXX, and the documents they have sent me do not substantiate the debt or clarify whether it is mine. In fact, the documents they sent include statements from XXXX XXXX in the names of my parents ( XXXX XXXX XXXX and XXXX XXXX ), but I was never granted Power of Attorney or any legal authority to represent their financial accounts. 

Specific Violations : Failure to Provide Debt Validation : After receiving an initial statement from Credit Collection Services, I sent them a formal request for debt validation, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. I requested that they provide documentation to validate the debt, including a copy of the original signed contract and proof of my responsibility for this alleged debt. Instead, they sent me statements from XXXX XXXX with my parents ' names on them, which do not clarify whether this debt belongs to me or my parents. The documentation does not prove that I owe this debt. 

Failure to Respond to Cure Opportunity : I also sent an Opportunity to Cure letter requesting clarification on the debt and providing them with a chance to resolve the matter. However, I did not receive a response. Under the FDCPA, debt collectors are required to respond promptly when a consumer disputes a debt. 

Improper Collection Practices : Despite my clear dispute of the debt, Credit Collection Services has continued to send me communications regarding the alleged debt. They have not provided the necessary validation or clarification as requested. This constitutes improper collection practices, as they are continuing to pursue a debt without proving I owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I mailed XXXX and Equifax credit bureaus about investigating and removing unfamiliar accounts on my credit file. The letter sent requested a response within 30 days. I have not gotten a response.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to disregard the FCR rules regarding reporting accurate and correct information. They continue to report a Bankruptcy that is not mines or have my name as it appears on my credit profile. The name they continue to list to a Bankruptcy filing in XX/XX/2017 is not linked to the name and social security matching Social Security Adm. I've provided police reports, FTC report and reports from XXXX XXXX all have investigate including the other credit reporting agency and determined the account does not belong to me. 
Experian is purposely reporting false information without providing proof and only stating according to public records, which if they properly investigate the complaint, they courts would tell them the case is not mines. I'm requesting any legal action that could be taken by the CFPB to begin charges against Experian for not complying with FCR rules and policy. 

I'm again submitting my FTC report along with the third party report XXXX XXXX since there previous response was they have not received any information regarding identity theft. 

I'm also requesting all response from Experian to proceed legal actions from my end for reporting information regarding a fraud name being used on my credit report. 

Their reporting source has removed it along with the other reporting agencies who has conducted an investigation and see that the account doesn't belong me but Experian still will not provide any documentation confirming their information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), I am formally requesting a review of the information reported on my credit file for completeness, accuracy, and appropriateness. Specifically, I request all documentation that substantiates the accuracy of the reported information.

If you are unable to provide such documentation, I request that you reopen the dispute and conduct a proper investigation as required by law. Failure to comply with this request and provide verifiable proof that the disputed items were reviewed with valid supporting documentation will result in liability under 15 U.S. Code 1681n and 15 U.S. Code 1681o for willful and negligent noncompliance, respectively. 

Additionally, I have confirmed that XXXX XXXX previously deleted the disputed account from my credit report. However, it has since been reinserted. If this reinsertion was done without following the required notification procedures under the FCRA, I demand its immediate removal from my credit file. 

Please provide a written response confirming compliance with my request within the legally mandated time frame.
Product: Credit card or prepaid card

No longer receiving paper from Citicards.com statements as of  XXXX   XXXX , 20017. Consequently we were assessed late fees and a higher interest fees ( 29.9 % ) than we agreed upon.     Customer service ( in the  XXXX    ) telephone discussions were unintelligible and prolonged. Many conversations had to be ended due to inability to understand their spoken words.
Use of multiple verbal labels used by the CITI service rep 's to describe interest fees, late fees and service charges.
Product: Payday loan, title loan, personal loan, or advance loan

I got message from XXXX ( XXXX ) XXXX said about he is loan account manager asked us about bank statements for three months and then never heard back so we are worry we got scam
Product: Debt collection

I have attempted to have this debit removed from my account since XXXX, which was originally belonged to XXXX XXXXXXXX XXXX XXXX, FL. I contacted XXXX hospital and had found out that My ex-wife had went to the hospital Emergency room and those were her bills.. My ex-wife and I haven't spoken since XXXX.. The hospital agreed that those debits didn't belong to me and removed what I thought all of the bills of my name. However, few years later I was connoted by Common Wealth Financial Systems requesting me to pay the debit. I sent them my information and informed them that issue XXXX XXXX learned that those bills didn't belong to me. Common Wealth Financial, were very unprofessional and were always threatening toward me. I have attempted to have it removed by the hospital but the stated the debit was sold to Common Wealth. I provided Common Wealth with my information so the can match it with whatever forms they have in their records such as original documents or and signatures by the person who went to the ER. But at no help. I have contacted and spoke to several managers at Common Wealth like XXXX XXXX extension XXXX at XXXX and others no help but very nasty attitude and threatening demeanors. 

I have disputed matter with all Credit Bureaus, and Common Wealth claims it was validated. Very confusing how it can be validated if it wasn't mine nor my name or identification on any documents. I even requested them to provide me the HIPAA signed form to show it was me, Common Wealth Financial failed to do so. 

several calls since XXXX to XX/XX/XXXX email XX/XX/XXXX also recently I emailed this person with Common Wealth XXXX regarding this and nothing was done as this person promised. 

Finally, Common Wealth Financial Refused to remove this debit after so many attempts knowing its not mine!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a grave matter concerning my credit reports, which has resulted in severe inconvenience and distress. Recently, I received two credit reports in the mail that do not pertain to me but share my name. Upon scrutiny, I discovered that my credit profile has been erroneously merged and intermingled with those of two other individuals who share my name but possess different social security numbers. 

Despite my earnest attempts to rectify this situation, Experian, XXXX, and XXXX have all refused to address the matter, leaving me in a vulnerable position. I have reached out to each of these credit bureaus through multiple channels, including the CFPB portal, phone calls, and traditional mail. Additionally, I have diligently uploaded copies of my driver 's license and social security number numerous times to substantiate my identity and plead for the correction of this egregious error. 

The social security numbers erroneously linked to my profile are ( see attachment ) and ( see attachment ). Despite providing comprehensive documentation and evidence, the credit bureaus have repeatedly requested the same information and have shown an unwillingness to resolve this matter. 

I am hereby formally requesting the immediate deletion of the mixed files associated with the following creditors and debt collectors : 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 Furthermore, I demand a cease and desist from all creditors and debt collectors linked to these erroneous accounts.

It is abundantly clear that the information in question was not properly verified by the collection agencies, creditors, or credit bureaus, leading to a blatant violation of my rights and privacy. I am profoundly disappointed by the credit bureaus ' refusal to address this matter in a timely and effective manner.

While I strongly prefer to resolve this issue expeditiously and amicably without resorting to legal action, I am prepared to pursue further measures to ensure the accuracy of my credit reports and safeguard my rights as a consumer. 

I implore the Consumer Financial Protection Bureau to intervene and compel Experian, XXXX, and XXXX to take immediate action to rectify this error and ensure the accuracy of my credit reports. Furthermore, I emphasize that I, myself, am writing this letter, and I do not have any credit bureau or third-party agency representing me. I request that a human agent verify this information and explicitly state that I do not consent to any third-party entities, such as e-oscar or XXXX, involving themselves in this matter, as they are not deemed reliable sources by me. 

Thank you for your urgent attention to this matter. I anticipate your swift and decisive action in resolving this distressing situation.
Product: Credit card or prepaid card

I have an account open with Discover. Sinc e 2014  my account has been in good standing. I reached out to Discover to request my account be reviewed for a reduced interest rate. My current interest rate is 23.74 %. After 3 years of on time payment I was looking to reduce my rate to pay off my account faster. Much to my surprise  Discover  would only offer 0 % for 12 months, then reverting to 23.74 %, or 18.99 % to be applied to all future purchases, effectively not at all helping with the issue of my current balance interest rate. My intentions are to pay off my card so I may look at financing a home, however with Discover 's policy to not change interest rates on current balance, even after proven good standing. is completely immoral and anti-consumer.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 card or prepaid card

In early XXXX, I received my monthly statement from XXXX XXXX XXXX with a charge called " XXXX XXXX '' for {$100.00}. I was unfamiliar with the charge. When I contacted the credit union to further inquire, they said that they were unable to identify the vendor and had no phone number. They did have a vendor number, which they XXXX. They said that this vendor number is associated with numerous online complaints of fraud, and recommended that I deny the charge. I agreed and they denied the charge for me. 

On XX/XX/XXXX, I received two letters regarding my XXXX XXXX XXXX XXXX from an organization with the letterhead, " XXXX XXXX ''. The letter had no other identifying information about the name of the business. It said that my automatic payments on my XXXX XXXX XXXX XXXX were being cancelled and that the " payment account relationship '' was being removed from my credit card due to this charge of {$100.00} not being authorized by me. I called the number on the letter and was informed that I needed to pay a {$25.00} late fee and that my account was in suspension. Part of the reason I didn't recognize the charge for {$100.00} was that there was a bill of {$120.00}, but there was a positive balance on my card for about a year for the difference, and so the actual charge was less than the total amount of {$120.00}. 

My questions are of a general nature. Why wasn't the credit card company required to write me a check for the small balance after many months with a positive balance on the books? More importantly, why is a credit card company allowed to submit an ACH with no further identifying information than " XXXX XXXX '' and no phone number or address? Why does the letter itself not identify the company? This behavior either requires consumers to accept at face value any charge, or pay a penalty for trying to figure out whether fraud has taken place. I recommend that CFPA require better identification on all ACH transfers, including a phone number. 

I found out on the call that XXXX XXXX is actually Elan Financial Services, a subsidiary of XXXX Bank that services many banks including Fidelity. Fidelity was unable to advocate for me, although they contract with XXXX to manage their card. The person from XXXX who answered the phone said she was a supervisor and was unable to remove the fee or change the way the charge appears on bank statements. When I asked to speak to her supervisor about the latter issue, she said she does not have a supervisor, and that the only person above her is the CEO, who only has an email relationship with her. I am concerned that organizations such of this have inadequate accountability and lack grievance procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Mortgage

I have been fighting foreclosure since XXXX in efforts to save my home. I purchased the home in XXXX from XXXX, they closed and the loan was transferred and is now being serviced by XXXX. 

Initially the home was puchased with someone, but the relationship ended less than a year later causing the initial hardship due to loss of income in the home. In XXXX we completed a quick claim deed removing his interest in the property. During that time the loan was modified but circumsatances, job loss prevented me from being able to complete it. I am now gainfully employed and could easily afford the mortgage but the arrearage has prevented any positive resolution. 

Because of how long this has been going on, my loan is in default of about {$100000.00} as of XX/XX/XXXX. There was a program in place called the IL Housing Assistance Fund ( IHAF ) that was offering up to {$60000.00} which I was approved for as long as I could bring the past due down to $ XXXX or less. I found an investor, XXXX XXXX who obtained power of attorney in an attempt to negotiate with XXXX  on my behalf. He offered an additional $ XXXX bringing total funds available to $ XXXX to go toward the past due and they would not consider it. 

I was told that they would not give another modification because over the loan I had maxed out but I learned that there is no maximum amount allowed and they still have over XXXX XXXX dollars provided from the federal government that they are required to use and that they are choosing not to work with consumers. 

I did not want to lose my home and have exhausted my resources in efforts to resolve this. Since all has been unsuccessful, I am now attempting to resolve this via a short sale agreement that was submitted earlier this month and so far XXXX has not responded.