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

Their is a Superior Court Order to REMOVE the XXXX XXXX XXXX XXXX XXXX, When I called I got the run around, transfer after transfer to a Supervisor " XXXX '' well we just have to keep it disputing this its only been since XX/XX/2013! It was a joint account they REMOVE off my spouse and not my report ( XXXX XXXX, XXXX ). Legally each bureau received the Voluntary Withdrawal from XXXX what more do you need.
Product: Credit card or prepaid card

While in XXXX, XXXX a fraudulent charge - {$430.00} - was made against my Citi credit card. 

Though I was at the XXXX XXXX XXXX that day -XX/XX/18 -, and made another much smaller purchase ( map, refreshment? ) there against the credit card, a second charge for {$430.00} was charged to the card. 

I believe the card was " double swiped ''. 

I have no record, nor recollection, of this purchase - and firmly believe it is fraudulent. 

I attempted to call the XXXX XXXX XXXX - the language problem aside, I was told they could not help with my query - and that no paper-signed receipt was available. 

Since early XX/XX/XXXX I have been in contact with Citi - by phone, email and letter. I have answered in detail all the questions they have asked. ( see attached files. ) Their only response has been they are " looking into it. '' They have not been able to provide any receipts or details regarding the charge - and refuse to give me a permanent credit for this phony charge.
Product: Bank account or service

ON OR ABOUT XX/XX/2016, I PAID A VENDOR {$1200.00}, I NEVER RECIEVED MY PRODUCT SO I CALLED RUSH CARD TO FILE A DISPUTE THEY TREATED ME LIKE THE VENDOR WHERE THE VICTIM, THEY WAS VERY RUDE EVERYONE THAT I SPOKE WITH HAD BAD ENGLISH I ASKED THEM FOR A COURTESY CREDIT THEY TOLD ME IT 'S GOING TO TAKE 90 DAYS FOR ME TO RECIEVED MY FUNDS BACK I HAVE CALLED THE VENDOR SEVERAL TIMES A DAY HE DONT ANSWER MY CALLS WHAT IS THEY INVESTIGATING PLEASE I CAN NOT TAKE A LOST LIKE THIS SO IM ASKING FOR HELP IN THIS MATTER THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion on XX/XX/2023, around XXXX XXXX PST. I spoke to a female agent located in the XXXX call center. At the very beginning of the phone call, the agent purposely disconnected the call on me. This is the XXXX time this has happened. Its always occurring with the XXXX call center. This is known as call avoidance and is inappropriate. It is prohibiting me from filing a dispute pursuant to the federal FCRA. This is becoming a common practice and a norm in the XXXX call center ; which is egregious.
Product: Debt collection

On XX/XX/XXXX I called XXXX because of my credit score had drop they informed me that I had a collection of {$1800.00} from XXXX XXXX XXXX The orginal Company was XXXX XXXX XXXX for a move out fee I immediatly call both companies explaining I diid not received notice of this debt from either companies. I spoke to an agent on XX/XX/XXXX about this and they told me that I owe {$1100.00} after they did some deductions for a cleaning fee I said that was redicious amount for a cleaning fee etc. I lived there for 1 yr and paid my rent in full and didnt renew my lease in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and XXXX XXXX was included in my case.. I file chapter XXXX to clean my debt and start over to become a home owner again I have work hard for the past 4 yrs on my credit trying to fix things and make my score higher I was at XXXX even thoe i filled bankrupcty icontiune to make my payments on time an keep an accurate acount of my credit report each month I was victim of identity theft in XX/XX/XXXX and its been hard on me and my credit report. I paid all my debts and was collection free until this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX  XXXX {$3600.00} XX/XX/XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX  XXXX XXXX {$1500.00} XX/XX/XXXX XXXX  XXXX XXXX {$750.00} XX/XX/XXXX XXXX  XXXX {$740.00} XX/XX/XXXX XXXX  XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you the original creditor and do i owe you? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

CC company calls XXXX @ night. 

Notices calls come on each an every time I use my personal debt card. I believe the company is invading my privacy. 

The company is violating several laws listed below I have blocked numerous phone numbers from this credit card company. 

Creditors and debt collectors are not allowed to repeatedly call you throughout the day trying to get you to pay them money. The Fair Debt Collection Practices Act ( " FDCPA '' ) and XXXX Fair Debt Collection Practices Act ( " RFDCPA '' ) have very clear rules that state calling multiple times a day is not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The other bureaus are reporting different open dates. How is that possible if this account is being reported accurately? I will be seeking legal assistance due to noncompliance and per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, theres multiple deviations, deficiencies, inaccurate information and unauthorized information listed on my credit report. Its been XXXX XXXX, per tracking and no investigation performed nor information requested given. The accounts referenced in the attached have been re-added and re-aged without my knowledge as well as accounts, such as XXXX XXXX, were disputed and I didnt request during dispute.
Product: Money transfers

I purchased a Money Gram money order from my bank on XX/XX/2017, and sent it to XXXX TX that same day. The XXXX it made it to XXXX, but has been in transit and delayed ever since. I have been tracking it multiple times a day. I have been in contact with XXXX different post offices in that area. The lady that was to receive the money order from me has went to the post offices every day for the last 4 days and has opened a claim on the missing mail. I have been in contact with Money Gram headquarters to see what my options are. They told me that it has to be missing for XXXX weeks before I can submit a claim for a refund. In the meantime if someone fraudulently cashes the money order, I am out the XXXX. The also told me that it would take them minimum 20 days from the time they receive the claim to process the refund, if they decide to give me a refund at all. They also told me that once the claim has been submitted, and someone fraudulently cashes the money order during this time, I am out the XXXX. How are these people in business with no FDIC insurance or any sort of insurance?? They also told me that they would not put any hold or stop payment on the money order so that it can be cashed at any time.
Product: Mortgage

I borrowed money from XXXX to purchase a condominium. The loan was transferred to Stearns mortgage. The Stearns loan number is XXXX. 
I recently paid off the loan, and received a recorded copy of the release of mortgage. Despite repeated requests for the return of the note, I was provided only a copy - not marked paid in full. 
Stearns has refused to respond to my request for the note, or to advise me whether they have transferred, sold, or otherwise alienated the note. If they have, they should nothave accepted the payoff. I have no way of knowing if the note is presently or will be in the future in the hands of some third party. I would like your help in this matter.
Product: Debt collection

debt just showed up on my credit statement with no notice of right to dispute
Product: Checking or savings account

I made payment on the XXXX of XXXX for XXXX XXXX it was debited from my account on the XXXX I was told by Wells Fargo I didnt have funds to cover it in my account when I did XXXX notified me that the payment was immediately debit from account but Wells Fargo hit me with over draft fee of XXXX XXXX  also I made payment on XXXX XXXX that was immediately debited from my well Fargo account and because at the time it was money there to use my XXXX XXXX which do not place a hold or wait period its immediately debited from my Wells Fargo account also I can not even use my XXXX XXXX  if there were not funds in there to cover it Wells Fargo is stealing my money I want to report it and file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS XXXX XXXX ( ORIG CREDITOR NAME : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX  XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Innovis, XXXX, XXXX, XXXX XXXX XXXX. Are all in violation title 42 section 408 ( a ) ( 8 ). I have never heard of these reporting agencies yet they make inaccurate reports involving my social security number publicly. They deliberately act as a cabal to keep consumers in debt by reporting old and inaccurate reports. I had no knowledge of these reporting agencies were violating title 18 section 242 color of law
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-I had a 36 month auto lease from XXXX XXXX XXXX that ended on XX/XX/XXXX. -The last payment was made on XX/XX/XXXX. 
-The vehicle was returned and was showed as paid off in full as of XX/XX/XXXX. 
-Then I receive a notice on XX/XX/XXXX saying that my credit score dropped 97 point due to a 30 day late notice from XXXX XXXX XXXX. 
-I then contacted XXXX XXXX XXXX on that same day and spoke to a XXXX XXXX . XXXX said it was a mistake and that they would send a letter to all 3 credit bureau 's stating that I was in good standing as he also sent me the letter that was sent to all 3 bureau 's. He stated that it could take up to 45 days for the credit bureau 's to respond and fix the mistake on my credit file. 
-XXXX and XXXX fixed the mistake on my file within the 45 days but Experian did not. 
-I then called Experian on XX/XX/XXXX and they told me that they did not have any documentation on file from XXXX XXXX XXXX and that I would need to file a dispute with them and that it would take 30 days for them to remove the late notice on my report if XXXX XXXX did not respond to Experian 's inquiry relating to the 30 day late notice. 
- I then called XXXX XXXX, at XXXX XXXX on XX/XX/XXXX and told him that Experian did not recieve the letter from them and that they are going to put it through there system and that it would come off if XXXX XXXX would respond to the dispute. They then looked into it for me and then responded back later that day and said that experian never posted anything on regarding my situation. 
- I then called Experian back several times and they just keep telling me that there isn't anything that they can do and I just need to wait until the 30 days are up which I was going to do until I found out that the 30 days didn't start until XX/XX/XXXX and not XX/XX/XXXX. 
-This entire situation has been a financial hardship and nothing but stress since I am going for a mortgage and will either get rejected for this loan or will have to pay for a much higher interest rate then I should get from them if my credit score was correct.
Product: Checking or savings account

I am a single mother of XXXX, things have been super tough with COVID and money is tight. On XX/XX/XXXX I deposited my paycheck through mobile deposit on my US bank app, says it would post to my account by XX/XX/XXXX. First I only deposited my check on a Saturday because I had to wait a week to get my check because the post office delayed delivering it. So I finally received it on Saturday XX/XX/XXXX, I did mobile deposit because I didnt have enough gas to drive to the bank. US  bank made {$220.00} available immediately and said the rest would be available by XX/XX/XXXX. I used some of the money and on XX/XX/XXXX I checked to see if the check posted so I could pay my bills and my account showed it was negative {$210.00} and check still had not posted. I called US bank to find out why my account was negative and they told me there was a 7 day hold on the check. The customer service representative told me that only a branch manager could release the hold and I asked to be transferred to a manager and was sent to an automated system that hung up on me. I called several bank locations and no one answered the phone, I finally got a hold of someone I spoke to XXXX at the XXXX XXXX location and he told me that I would need to speak to the manager at my home branch, I told them no one answered. He said he would try to reach out to that bank manager and give me a call back. 2 hours later I received a call from XXXX at the XXXX XXXX XXXX location, I asked about why there was a hold on my paycheck my check was only {$1000.00}. He said he had no idea that the system didnt say the exact reason but said it was probably for fraud and that they needed to wait to make sure funds cleared and told me he could not remove hold. XXXX said there was hold on check until XXXX and that I would have to wait until then, this is longer than the 7 days I was originally told. Even though I was told XXXX had the power to remove hold he said he couldnt, I asked if there was anyone at US Bank that could remove the hold he said nobody could. Find the hard to believe that, a bank that has millions of customers cant release a hold off a check. I then asked about my account being negative and about the fees they will charge me for my account being negative and he told me that I would have wait until they charge the fees to my account and then he could wave 3 of fees but that was it. I just want my check released, my lights and water are going to be cut off by the end of the week. I cant wait until XXXX. It is unacceptable for my bank to hold my check for a week and a half and then turn around charge me fees for them making my account negative. I plan on suing US Bank for being unethical and holding the money of a single mother of XXXX and allowing her lights and water to be shut off after she worked 80+ to earn that money and now cant buy her daughter a gift for her birthday tomorrow.
Product: Debt collection

I had spoken to the manager at Sun Loan in XXXX, NM and asked not to contact my references or my employer as I am not able to take personal calls. On XX/XX/XXXX my employer informed me I got a call from Sun Loan. My job is on the line now. When I spoke to the manager she said that she did not have anything in my file that they can not call my employer. I did tell her my husband and son both had XXXX  we have been struggling and I will contact them when I am able to give them a payment. She became very aggressive and rude saying she will not stop contacting me and will continue calling me at work and references to get in contact with me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the fraud accounts!