23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, four fraudulent {$25.00} charges were made to my bank account towards coinbase via debit card for a total of {$100.00}. I have reached out to coinbase and have yet to receive a response. I have also contacted my bank by email and am waiting to receive a response.
Product: Mortgage

I have a mortgage with Wells Fargo and wellsfargo told my insurance company that I did not live at XXXX XXXX XXXX and XXXX XXXX  cancel my insurance and went I call wellsfargo I was told the people come out to see if any one live in the home .like I told wellsfargo I was on the phone with u all with the man came out and I told him what are u doing here and the man told me I 'm here now so u call them this is how I get paid and wellsfargo claim they was going to call XXXX XXXX  and they never did so I had to get insurance with XXXX XXXX I been with XXXX XXXX for 14 year and I real like XXXX XXXX wellsfargo is so racism prejudice so now I have insurance I such not have .so that not all then wellsfargo came up with they did not get my payment so I send them the copy of the cancel check and them they told I old we found the paymeant wellsfargo do the most and I no a lot of people having trouble with wellsfargo. Wellsfargo wait for XXXX XXXX to get there home mortgage down to low and them they start said we did not get your payment I have at least 6 people who live on my block that have been having trouble with wellsfargo three of the are XXXX and wellsfargo did not harass these people like they are doing the XXXX XXXX XXXX do not have a job or no income and he is behind at least 3year with his mortgage and he is not in foreclosure they are trying to work out something with him so he wo n't loose his home.he show us the paper work and all we can said is wo .XXXX XXXX is all so XXXX and he is behind on is mortgage XXXX is about 13month XXXX XXXX is XXXX and is man is about XXXX and wellsfargo told him they have not been received is mortgage and went is sister send them copy that he paid they are still said he is behind wellsfargo need to be stop this is an old man I no XXXX XXXX because my Father and XXXX XXXX retired to gather and they keep in touch this is really sad for this mortgage company wellsfargo is doing this to XXXX people something need to be do n't to wellsfargo
Product: Credit reporting or other personal consumer reports

I formally disputed the following accounts, and non-mailable addresses listed on my credit report and to request their removal : Date Generated XX/XX/XXXX Report Number XXXX Addresses : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN, XXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL, XXXX Address ID # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO, XXXX Address ID XXXX XXXX XXXX family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN, XXXX XXXX ID # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Address ID # XXXX Single family Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX believe these accounts are inaccurate and should be removed from my credit report . I have previously disputed these accounts, and the creditor has failed to properly reinvestigate the information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 12 CFR 1022, credit bureaus are required to conduct a reasonable investigation into any dispute and correct any inaccurate information. The creditor 's failure to properly investigate my dispute violates this regulation.According to 15 USC 3002, I am a natural person which means my name in ALL-CAPS isn't me, My name is XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) the term " Bureau '' means the Bureau of Consumer Financial Protection, herein as " CFPB ''. XXXX, XXXX, and Experian are assumed to be credit Bureaus and there is only one Bureau and that is the " CFPB ''. On XX/XX/XXXX, Congress enacted HJR 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and therefore subject to the proper regulation and restriction ; and whereas the existing emergency had disclosed the provisions of obligations which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Money transfer, virtual currency, or money service

XXXX from the Western Union Executive Business Resolutions has not resolved case XXXX. The Regional Operations Manager 's actions were never clear and did not resolve anything at XXXX XXXX XXXX. I am still banned there ; XXXX XXXX still works there, and I am still angry. This so called " Regional Operational Manager '' that was in charge of this area had done nothing about Mrs. XXXX since there is no proof of anything done to XXXX XXXX XXXX. Until I speak to the Regional Operations Manager about this case, I will never believe anything that is said here
Product: Debt collection

Sunrise Credit Services , Inc. reported a debt of {$2700.00} to all three credit bureaus, on XX/XX/XXXX. 

On XX/XX/XXXX I drafted a letter to this agency, officially disputing this debt. I informed them that proof of debt was needed in order to pursue this debt, and that this account was due to fraud, being that my personal information was exposed in several breaches. 
In fact the credit bureaus informed me that some of my information is on the dark web. 

At some point the tradeline for this debt was removed from my credit report. 

I received a response to my first letter to this agency, their response letter was dated XX/XX/XXXX. Enclosed, was a printout of a bill/itemized document with my address, but no apartment number. 

On XX/XX/XXXX I sent a follow up letter to Sunrise Credit Services Inc.,  informing XXXX XXXX, who's name was on their XX/XX/XXXX response letter, that A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION, as per FTC opinion letter from attorney XXXX XXXX XXXX. 
In Fact the FCRA, protects consumers, by ensuring that there is an original document, signed by the consumer. 

As of today, XX/XX/XXXX Sunrise Credit Services , Inc., has not responded to my XX/XX/XXXX letter. 

On Monday XX/XX/XXXX, Sunrise Credit Services , Inc., decided to VIOLATE THE LAW, by again, illegally Adding this Unvalidated debt to my credit file. This company did this without ever responding to my 2nd letter, which informed them that they have not validated this debt as belonging to myself. 
They boldly and blatantly disregarded the Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX  ( Account # XXXX ), XXXX XXXX  ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), FEB/Opplns ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ), Credit XXXX ( Account # XXXX ), and XXXX XXXX Account # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i have sveral documents regarding XXXXXXXX XXXX XXXX please investagate this matter and block the information reporting on my credit reports reguarding XXXX XXXX
Product: Student loan

On XX/XX/XXXX, Federal Student Aid issued a letter stating that my XXXX remaining loans were eligible for Public Service Loan Forgiveness ( PSLF ) as of XX/XX/XXXX and that my loan servicer ( Mohela ) would send me communication about forgiveness within XXXX business days. I did not receive any communication from Mohela about forgiveness and instead, received repeat correspondence about upcoming payments due, interest, and plan recertification. On XX/XX/XXXX, after unsuccessful attempts to obtain this information via Mohelas messaging platform, I called Mohela and asked about the status of my loan discharge. Mohela advised me that my payment history was being rebuilt and that it could not provide a timeframe within which discharge would be completed. During this call, Mohela confirmed receiving from XXXX on XX/XX/XXXX discharge authorization for my remaining XXXX loans. ( I will note that XXXX repeatedly refused to confirm the date on which it had communicated this authorization to Mohela. ) I have now been waiting 6 monthswell over the XXXX business days Mohela typically claims it needs to process PSLF discharge, and much longer than many XXXX XXXX my remaining loans to be XXXX and have no timeline within which it will be completed. I met my obligation of XXXX qualifying loan payments in XX/XX/XXXX and filed my last employer certification in XX/XX/XXXX, XXXX year ago. I would like help obtaining a concrete timeline from Mohela for when my remaining loan balance will be forgiven, and I would like my case to be prioritized/escalated by Mohela, given the date I was eligible. Specifically, I am requesting that Mohela finish XXXX  out my loans within XXXX business days. Attached is a copy of FSAs XX/XX/XXXX letter authorizing discharge of my XXXX remaining loans ; print-outs from my FSA online account showing all XXXX of my student loans have been deemed PSLF eligible and showing XXXX loans forgiven in XX/XX/XXXX ; a print-out of Mohelas website showing XXXX XXXX loan balances ; and a screenshot of the documents received from Mohela since XX/XX/XXXX XXXX none of which address the forgiveness authorized by FSA on XX/XX/XXXX.
Product: Mortgage

I am writing to express my deep dissatisfaction regarding the handling of my tax refund for the tax abatement on my property. Despite providing ample evidence of payment and eligibility, I have yet to receive any resolution or acknowledgment from your company. 

On [ XX/XX/year> ], I contacted your office to address the issue of the outstanding tax refund owed to me. I provided documentation confirming the payment made from the escrow account, as well as proof of eligibility for the tax abatement. However, to my dismay, there has been no progress or communication since then. 

Repeated attempts to follow up on the matter have been met with silence, and my concerns seem to have been disregarded. This lack of responsiveness and accountability is unacceptable, especially considering the significant financial impact this refund has on my finances. 

I urge you to take immediate action to rectify this situation. I expect a thorough investigation into the status of my refund and a clear explanation for the delay. Furthermore, I demand a concrete timeline for when I can expect to receive the refund owed to me. 

I trust that you will treat this matter with the seriousness and urgency it deserves. I look forward to a swift resolution and the timely receipt of my tax refund.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX XX/XX/year> {$0.00} Account Name : XXXX  # XXXX XX/XX/year> {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/year> {$1400.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion consumer reporting agency has been reporting inaccurate inquiries on my credit report, that has been causing me financial harm. They just recently deleted XXXX XXXX XXXX inquiries. Deletion is admitting that they wrong for furnishing inaccurate information. 
By law each violation is {$1000.00} dollars. I have included a copy of the deletion and a copy of an invoice pertaining to these violations.
Product: Credit reporting or other personal consumer reports

Complaint Narrative : I am submitting this complaint due to persistent failures by XXXX, Equifax, and XXXX to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. 

I requested a detailed method of verification for each disputed item, as required under FCRA 15 U.S.C. 1681i, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out.

The accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immediate action for : 1. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers.

2. A full disclosure of the vendors and third-party entities used in the verification process.

3. Legal assurances that these inaccurate items will not reappear on my credit file. 

I trust the FTC and CFPB will thoroughly investigate this matter to hold XXXX and related bureaus accountable for compliance with federal regulations.
Product: Debt collection

I received a letter dated XX/XX/XXXX from Receivables Performance Management LLC ( RPM ) alleging that I owe a debt in the amount of {$1900.00}. The letter identifies XXXX XXXX XXXX XXXX ( XXXX ) as the creditor and XXXX XXXX XXXX ( XCL ) as the original creditor. I have never received any demand for money or allegation of debt from either XXXX or XXXX. I have never done business or had any contact with XXXX. ( Details regarding XXXX will follow the next paragraph. ) In my XX/XX/XXXX reply letter to RPM, I expressly disputed the validity of the alleged debt in its entirety and demanded, among other things, a full explanation of the factual circumstances in support of the alleged debt, specifically how and when the debt was created. I also demanded a copy of all documents that prove the existence of the debt. In its XX/XX/XXXX reply letter, RPM fails to respond to any of my demands, but instead simply breaks up the alleged amount of {$1900.00} into components, and changes the alleged original creditor from XXXX to XXXX. 

I recognized the name XXXX as a XXXX for XXXX XXXX, an auto-leasing business associated with XXXX XXXX XXXX XXXX XXXX XXXX ) but is now defunct. I leased a vehicle from XXXX in XX/XX/XXXX ( a two-year lease ) XXXX XXXX for XXXX. When I leased the vehicle, I was told by XXXX that I could terminate the lease at any time without penalty, except XXXX would keep my security deposit ( which I believe was around {$250.00} ). At some time near the end of XXXX, XXXX unexpectedly terminated the lease unilaterally and demanded immediate return of the vehicle, without explanation. All monthly balances under the lease had been fully paid. XXXX again told me that I would not be responsible to pay any amount for the remainder of the lease, and that XXXX would keep my security deposit. I returned the vehicle to XXXX in XX/XX/XXXX. I requested but did not receive written acknowledgement that the vehicle was returned and I was not responsible for any more payments. XXXX never contacted me again, and never alleged that I owed them any debt. The XX/XX/XXXX debt collection letter from RPM is the first communication I have received from any party relating to the XXXX XXXX since I returned the vehicle.
Product: Debt collection

Independence Capital Recovery They called and texted relatives and acquaintances several times for the last few months include most recently XX/XX/XXXX - called bro in law- XXXX calls and texts XX/XX/XXXX - called sister - XXXX calls and texts XX/XX/XXXX - called father XX/XX/XXXX - contacted company to find out why they had called. I explained to them that they are harassing others even those not related to me or have contact with me. The company also changes phone numbers and does not disclose who they are representing. 

When confronted about calling everyone, the representative said they are a call center and everything is automatically dialed for them. This does not explain why they were harassing others and causing undue stress.
Product: Payday loan, title loan, or personal loan

A letter was written to Spotloan stating my hardship and inability to maintain terms of usurious loan. Original loan amount was for {$800.00} As of XX/XX/2019 I wrote spot loan letting them know my hardship and I had paid the full Principle of the Loan plus an additional XXXX XXXX 
This company changed the name of their company in order to attempt to debit my XXXX XXXX checking account despite me informing them they were no longer authorized to debit my account. I had a large unforeseen medical expense and am at risk for being evicted from my home so im unable to maintain paying back the interest on this loan that was at an usurious rate of 460 % which I have been now informed thru credit counseling is over the legal allowed interest.
Product: Credit reporting or other personal consumer reports

I noticed a few account on my credit report that I did not recongize and i disputed it with the credit bureaus! But it has now been more than 30 days with no response! and they haven't provided validation or proof of these accounts belonging to me!!
Product: Credit reporting or other personal consumer reports

I have noticed unauthorized inquiries on my credit report that I would like to have removed. According to the FCRA these unverified and unauthorized items must be removed immediately. 
Information reporting listed below XXXX Capital one XXXX XXXX XXXX Capital one 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 Capital one XXXX XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I applied for forbearance online, I did it again in XXXX, they stated they did not see it on their end. I had to fight to do it over the phone in XXXX. My house sold in XXXX. I was told it would back date since I was having issues applying online and that it wouldnt be recorded on my credit. I am now going through a divorce and trying to buy a house for myself and my kids. They have reported it to my credit. I have spoke with multiple people multiple times who have said it will be adjusted. I stated I needed a letter saying so. They have yet to send one to me. It has been 3 weeks and I have called everyday, some days multiple phone calls. I am going to lose the house. I was told in the beginning to file for forbearance and it has done nothing but prevent me from having a home for my children. PLEASE HELP
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a complaint against XXXX XXXX XXXX, XXXX stating that I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They did removed the account but then somehow sold it between XXXX of 2024 to a new company Named SOUTHWEST CREDIT SYSTEMS XXXX I do not have a contract with SOUTHWEST CREDIT SYSTEMS, I am not liable for this debt with XXXX they did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

Request for Immediate Deletion of Illegally Sold Information Due to Equifax Data Breach I am formally requesting the immediate deletion of specific accounts and items from my credit report. As a victim of the Equifax data breach, my personal information was unlawfully sold and purchased. I am attaching evidence confirming Equifax 's acknowledgment of my status as a victim of this data breach. 

In light of this breach and Equifax 's failure to take appropriate action, I request the removal of the associated accounts and items from my credit report effective immediately. Your prompt attention to this matter is appreciated. 
I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions