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

I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Transunion has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Transunion has failed to do this. In XXXX and XXXX of 2022, I mailed letters to this agency asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : A. the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the alleged identity theft.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I am unaware of them, and the company made them without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX  and XXXX diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate
Product: Vehicle loan or lease

On XX/XX/XXXX I made 2 payment via XXXX bill pay to Wells Fargo Dealers Services. The first on in the amount of {$4900.00} was a payoff of the car loan and second in the amount of {$3000.00} was made in mistake. I called WF to explain what happened that I 'm owed over payment of {$3000.00}. After few calls, they locate that money and said they will issue a check on XX/XX/XXXX. I waited and waited and called them yesterday since it 's been over a month and I have n't received anything yet or seen anything in my bank account. They said that they sent a check to Payment Processing Center, XXXX XXXX XXXX on XX/XX/XXXX. Why I asked they why they sent it there, they had no explanation. It should have been sent either to my home address on a loan or via direct deposit since payment were made through bill pay. I asked them to put a stop payment on a check and issue a new one and send it to my home address. They refused because it was cashed on XX/XX/XXXX. I called a bank 3 times yesterday and they can not locate anything. I asked WF about prof of being cashed but they refused to send me anything. My hands are tied now, bank says they do n't have anything and WF claims the money was sent! What am I supposed to do now? I spend 2.5 hours on the phone yesterday going back and forth and nothing! And XXXX XXXX XXXX? It sounds like scam! If I were late on my car loan, I would have been charged late fees. I not only can not charge late fees on my {$3000.00} that they have but ca n't even collect my money back from them!
Product: Debt collection

This company continually fails to comply ( acct XXXX ). XXXX ) I have requested a copy of this companys TENNESSEE COLLECTION SERVICE LICENSE. The Tennessee Collection Service Board licenses and regulates collection agencies ( attached ). Tennessee Collection Service Act 62-20-105 -License requirement ( a ) No person/business shall commence, conduct or operate any collection service business in my state unless the business holds a valid collection service license issued by the board under this chapter-UNLICENSED ACTIVITY.

In addition,15 USC 1681 ( a ) ( 4 ) -I have the right to privacy.

15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years.

Ive also requested : 2.A complete Audit Trail calculation of this balance, including the complete payment history on account, so I have proof the debt amount is correct.3.Documentation that shows I agreed to pay you this debt with signature and which shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and will be reported for such.4.The Agreement that grants you authority to collect on this alleged debt.5.The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you 6.Senior Executive from your office to Swear under penalty of perjury this corporation was present during the alleged debt 7.The Original Promissory Note on this Alleged Debt.

Multiple FDCPA violations. Sending deceptive forms, false & misleading representations, validation of debts, unfair practices. This will now be investigated by the FTC, CFPB, Tennessee Collection Service Board, and AG. Please, no adverse actions against me, and no reinsertions. I have to proceed with legal action for violations ALREADY committed if this collection is not closed and removed from my credit reports immediately.

Attached : 1 ) Full Dispute 2 ) FDCPA violations 3 ) Tennessee Collection Service Act 4 ) Credit Report 5 ) FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 -Disputed incorrect data on my accounts with XXXX  , they failed to verify and correct errors on my credit file. No proof provided to me. 
XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts creditone account XXXX doesn't belong to me XXXX  XXXX incorrect data XXXX XXXX  duplicate accounts XXXX XXXX   incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data
Product: Mortgage

I have been defrauded by heloc by overly inflating my property value and paid expensive origination fee then 3 months later suspended my heloc citing my property was significantly had declined in value. 

When I applied for a heloc loan on my residential property last XX/XX/2024 it was overly inflated up to {$420000.00} for a townhouse and was able to take a {$200000.00} line of credit causing me to pay an origination fee of {$5700.00} on which I paid after they deposited the lump sum money to my bank. I paid them back only keeping {$21000.00} to pay my personal loan and credit cards balance. 

XXXX months later which is XXXX of 2024 when I requested for another draw of {$17000.00} they suspended my heloc for the reason that the property value had significantly declined to {$270.00} XXXX. I felt devastated and distraught thinking that I had been scammed. They made a misrepresentation on the application for their gains. 

I'm not very knowledgeable regarding heloc and was not properly told/explained that once approved the whole amount will goes to your bank. I was not asking for a {$200000.00} loan. When I applied for XXXX at Figure lending took me XXXX minutes processing including checking my bank account, they did their appraisal thru artificial intelligence and got the property value of {$420000.00} that's why they give me a loan of {$200000.00} to access. I checked their property appraisal recently and found out that they did the wrong address and made me felt like it's all fraud. 
They had used XXXX appraisal to a commercial property adjacent yo where we lived. 

The issue and my complaint was - there is no significant decline of property value. 
The correct value of my property should be on the upper {$200000.00} like to XXXX XXXX I owed XXXX was expecting for a heloc of {$20000.00} or XXXX at least. 

I know for a fact that my property was never appraised to more than {$300000.00} In conclusion if they have appraised it properly there should be no decline of property value and I should not be paying a HIGH ORIGINATION FEE of {$5700.00}. 

Need help on what to do. I need to get some of my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently checked my credit report and to my surprise there are fradulant accounts and inquires on my. report. I want to have them removed since these are not my accounts & inquires. I'm a victim of identity theft and would like to take care of this matter as it has given me a big heachache and is stressing me out. Im hoping you can assit me with deleting these false accounts & inquires from my credit report. I will attached my identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige accessed my credit report without my authorization.
Product: Credit card

SYNCB/TJMAXX, has charged off this account and I have not received a 1099 c.
Product: Checking or savings account

My main checking account is with Chase Bank. The last commission check I received from XXXX XXXX in XXXX ended up locking and eventually closing my Chase account. XXXX XXXX 's bank is XXXX XXXX. 
I deposited my check from XXXX XXXX on the XXXX of XXXX. Chase bank put a hold on the check, as usual. After 10 days, I called Chase to see why the funds were still not available. The response was that XXXX XXXX no longer verifies checks and the phone number for XXXX XXXX, XXXX, in the Chase system does not match the check. End result was that they closed my accounts for suspicious deposit. I have contacted XXXX XXXX to see if the money has been returned to the XXXX XXXX account but has not been done so far. 

Chase bank already cleared the check and Chase Bank has the funds. Chase bank was my bank that I deposited the money in, they received the funds then closed my account. Chase says they have the funds suspended and will not send the funds back to the XXXX XXXX until XXXX XXXX disputes it. XXXX XXXX says they will not dispute it because Chase bank accepted the money Chase XXXX XXXX XXXX XXXX Nevada XXXX XXXX in XXXX Nevada XXXX XXXX in XXXX XXXX  Amount of check {$7100.00} that is being held by Chase bank
Product: Credit reporting or other personal consumer reports

i have asked XXXX XXXX XXXX  to validate the debt and have recieved no response.this is not me and has injured me .i am a divine being.i sent certified mail XX/XX/XXXXXXXX XXXX  and have not received any response
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the company XXXX XXXX XXXX XXXX last year to let them know that the correct information was not shown paid and settle and they still have not put the right information on the credit report Experian
Product: Credit card

I did not make the multiple airline purchases for XXXX or XXXX XXXX. I provided a notarized statement that I never got on any plane I didnt make the purchase. Im the only authorized user and despite this fact that Im the victim capital one is fraudulently charging me back for purchases I didnt make or receive any benefit from. I need the CFPB to hold them accountable, I am prepared to file an FDIC complaint this is illegal and fraudulent. To make matters worse on various recorded lines Capital One promised me that I would not be responsible and then change their story to saying that because someone in my household fraudulently use my card Im still responsible thats not how it works. Thats not how the law works not the terms and conditions. They even said I needed to file a police report on my minor daughter who is a XXXXXXXX XXXX and XXXX that didnt know what she was doing when using my phone if I want to get my money back. Since Im the only authorized user, I didnt make the purchase and I didnt benefit from it by law they have to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Capital One in XXXX and have an ongoing relationship with them. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, I was affected tremendously by XXXX. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have had with your company for the last 6 years. This one late payment is causing me extreme hardship. I am hoping that Capital One can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment in XXXX of XXXX. I have really enjoyed doing business with Capital One Bank and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Capital One. Thank you for your time. CAPITAL ONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several unsuccessful attempts to have Credit Karma stop emailing, and to get them to cancel my account with them. In XX/XX/ 2020, I checked my credit reports with the three credit bureaus and Credit Karma had made more than 30 inquiries. I would like for them to remove my profile from their website, and to discontinue emailing me. I visited their site to attempt to remove my account and I was unable to enter. Please see attachments.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.
Product: Credit reporting or other personal consumer reports

This is a complaint to Experian, XXXX, and XXXX for the completeness and/or accuracy of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ] The furnishers of information are also in violation for reporting these accounts pursuant to 15 USC 1681s-2. And the reason goes as follows.

These accounts are charged off/canceled debt in which I have not been provided a 1099c form. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication . The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and income does not get reported on a consumer report which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy Discharged XXXXXX/XX/XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Consumer faxed to the debt collector a letter requesting it to validate any alleged debt that it is reporting to an XXXX   consumer report. It has not responded.

I am in receipt of a current report dated XX/XX/XXXX in which XXXX XXXX is still reporting. I have not been contacted by this debt collector regarding this erroneous account prior to this debt collector reporting it to my consumer report.

Is XXXX XXXX in violation of the FCRA? Since the reporting of this negative and invalidated item, I have been denied credit access.
Product: Credit reporting or other personal consumer reports

Re : Urgent Identity Theft Claim - XXXX XXXX XXXX To : Experian Fraud Department From : XXXX XXXX ] Date : XX/XX/2024 Subject : Identity Theft and Gross Mismanagement of My Case - Account Number : XXXX I am writing to express my extreme dissatisfaction with the handling of my identity theft claim. I have been the victim of identity theft, and the fraudulent activity reflected on my Experian credit report has significantly impacted my livelihood. 
Disregarding My Claims and Inaction I am deeply troubled by the dismissive nature of your responses to my previous attempts to rectify this situation. Your repeated form letters requesting verification, despite my clear and documented evidence of identity theft, are unacceptable. It suggests a pattern of disregarding legitimate claims and prioritizing bureaucratic procedures over the well-being of your clients. 
Specifically, the accusations implied in your boilerplate responses are offensive : That my request to block the fraudulent information was made in error. 
That the information is accurate or based on my actions. 
That I knowingly obtained goods or services through fraudulent means. 
These accusations are not only untrue but also demonstrate a complete lack of understanding of the gravity of identity theft. 
Escalating the Issue Furthermore, the automated nature of your responses casts serious doubt on whether you have even reviewed the police report, the identity theft report, and the relevant legal documentation I have previously submitted. 
My next course of action, if this matter is not addressed with the urgency it deserves, will be to file a case in federal court. This lawsuit will seek not only the removal of the fraudulent data from my credit report but also significant damages for the impact this theft has had on my life. Additionally, I will pursue legal action against any individual or entity that received my documentation and failed to take appropriate measures. 
Required Documents A complete list of all documents previously submitted, including the police report, identity theft report, and relevant legal references, is attached to this complaint. 
I expect a prompt and comprehensive response outlining the steps you will take to resolve this matter. This includes immediate removal of the fraudulent information from my credit report and a clear explanation for the mishandling of my case. 
I urge you to take this issue seriously. My livelihood depends on a clean credit report, and your inaction is jeopardizing my financial well-being. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I filed a complaint to Cash App regarding fraudulent Transactions. I tried disputing 4 transactions, but it only allowed me to do 2. 
The 2 transactions that I disputed were one in the amount of {$110.00} and the other in the amount of {$170.00}. These disputes were denied by Cash-App. I tried requesting a refund from the person the money was sent to and she denied them. 

I called Cash-App costumer service line on XX/XX/2022 to get more assistance. The agent I spoke to informed me that there was nothing that could be done by them and that the only way for me to get my money back was if I filed a dispute with my financial institution. I did exactly that. I filed a dispute on XX/XX/2022 with my bank and they were able research and get my money back. They also closed my old card. 

On XX/XX/2022 I had a balance of {$140.00} in my cash balance account and I noticed that cash app recharged me the {$110.00} and the {$170.00} that I previously disputed which now puts me at a balance of - {$140.00}. When I asked about why I am being charged I was told that it was because I disputed them. 

I am not understanding why I am being recharged for a dispute Cash App was not able to assist with in the first place? 
I really need help getting this resolved.
Product: Debt collection

Dear CFPB, I am a hospital resident in training at New York XXXX Hospital in XXXX. I am not aware of owing any debts ( I just had a loan officer confirm this ), but this is beside the point. " Arcadia XXXX XXXX XXXX  '' has been calling me on a non-private hospital line that is supposed to connect doctors to the resident work space. It is a line shared by all the residents and a very busy one for communicating vital healthcare information. 
How Arcadia got this number I am not sure, but I have told them to stop the first time. This is the second call I know about. Interrupting a hospital service for a private matter is completely unprofessional, and if my admonishment won't stop them from doing this again, I hope you can. Thank you.