23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was scammed by a company posing as XXXX. I called the number found on-line ( XXXX ). They asked me for certain information which I provided thinking that I was going to receive a credit for XXXX. What actually happened next was that this fraudulent company charged my XXXX account in excess of {$1200.00}. I received notification shortly thereafter by my Discover card company that there was suspicious activity and they asked me to validate that these were legitimate charges. I immediately advised Discover representative that these were not legitimate. I than contacted XXXX to alert them that someone had stolen my identity. As noted above, the monies were withdrawn from my account in a very short duration of time. My immediate thought was that I needed to cancel my Discover and XXXX accounts which I did. I than began the process of assuring that my monies were protected my one or both of these companies. My husband also believed that his XXXX XXXX and/or XXXX XXXX memberships should protect against this fraud and loss of funds. We appear to be receiving a bit of a run around by these various companies, with each stating they have no responsibility to refund the money stolen from the XXXX account. 

What I find most disturbing is this whole chain of events began over XXXX charging my Discover credit card for the XXXX XXXX service I had not ordered. This entire situation would have been avoided had I not had to initiate the first call to XXXX.
Product: Mortgage

I have not been provied QWR rpeort and I need full and entore QWR reaport. Since 2003 I have been asking this. I need this in15 days no eetension is allowed since I have been asking this since 2003
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : US DEPT. OF EDUCATION/XXXX
Product: Debt collection

I have email on XXXX XX/XX/2022 that XXXX XXXX XXXX Hudson valley charging me debt collection of {$26000.00} to settlement price {$9700.00}. it has somebody else surname on collection report. That's not me. My address is wrong too. when i talked to person on phone he could not pull up my record first and then said you collection would be {$14000.00} something for paid off.
Product: Money transfer, virtual currency, or money service

Hi, I sent two wire transfers from my personal XXXX XXXX account to a business account held at Bank of America. 
1st wire transaction, XX/XX/2022 : I sent {$10000.00} but the recipient account number was incorrect so the wire reversed but less {$45.00}, so I only received {$9900.00}. I was also charged {$25.00} for outgoing wire fee ( XXXX  ). 

2nd wire transaction, XX/XX/2022 : I noticed the error with the account no in transaction 1 and attempted to fix it but for some reason the changes did not save. I proceeded to do the wire transfer again ( {$9.00} ) - I paid another outgoing fee of {$25.00} and later found out that the wire was reversed, a {$45.00} fee was also deducted, so I received {$9800.00} I have called both XXXX XXXX  & Bank of America to find out why I never received back the full wire amount, none of them is claiming responsibility for the fees, they kept pointing fingers at each other, I have been transferred from department to department and called several times and spoken to different reps- each claiming the fee is from the other institution. 

I am imploring CFCB to look into this and help me recover the {$90.00} that was lost during these transactions. 

Thank you
Product: Credit reporting or other personal consumer reports

credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying on a loan with XXXX XXXX XXXX. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Equifax has violated my rights by having : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I ( XXXX XXXX ) changed banks from XXXX XXXX to XXXX XXXX. While i was doing this i set up with XXXX  a the new direct deposit to Selene Finance. The payment due on XX/XX/XXXX went through and then was kicked back due to lack of funding on my part ( i didnt realize this until today ), i had the money but unfortunately still had it in XXXX XXXX. I never received any letters from Selene that my payment was sent back due to lack of findings. Today XX/XX/18 I was looking through my bank statement and realized that the payment for XX/XX/XXXX was sent back, and decided to call Selene Finance to make the payment. After speaking with the first clerk i was told that they tried making the mortgage payment 3 times and my account was blocked. They said that i received letters in the mail the XX/XX/XXXX and the following days they tried making the payments. I have never received any letters, phone calls or e-mails stating that i missed any payments. The only solution they gave me was to send a money order to them for the next 6 months until the account gets unblocked. This is hard for me due to the amount of hours i work per week ( 60 ). i would like to get my account unblocked so i can continue with the regular direct deposit as i have been doing for the past 3 years. i feel that they should have notify me before blocking my direct deposit and having to making money orders to them.
Product: Debt collection

In response to my complaint filed on XX/XX/20 Commonwealth Financial Systems continues to be very deceptive and is now using stall tactics. 

According to XXXX XXXX, Legal/Compliance Dept a search of their records failed to identify a record linked to my name and address provided. She also stated that she would need my birth date and the last 4 digits of my social security number. 

Now what I find very strange is that I have never spoken to anyone from this company, never received a dunning letter from this company so, therefore, I never provided my birth date nor the last 4 digits of my social security to this company before they placed this account on my credit reports. 

So if I have never spoken to a representative from this company to confirm my birthdate and last 4 digits of my social security number then how is it that your company placed it on my credit reports? How is it that now you claim to not being able to locate a record with just my name and address? 

Also in my complaint, I also provided the account number from Commonwealth Financial Systems that was used when the debt was placed on my credit file. So how is it you can't locate my file? 

Please see the attachment of my current generated credit file from XXXX and XXXX as of XX/XX/20 that shows Commonwealth Financial Systems placed a collection on my reports which also show the account number!

So evidently this company does not need my birth date nor my social security number to locate my file because they have already placed it on my credit reports.

Furthermore, all of a sudden I received a call from Commonwealth Financial Systems today XX/XX/20 right before they provided their response so obviously, they can locate my file with my name and they continue to blatantly lie! Please see the attachment which shows the missed call from Commonwealth Financial Systems.

As this company has already violated my consumer rights by placing this frivolous debt on my credit file without sending me a dunning letter and giving me the option to dispute and question the validity of this debt, violating the Fair Debt Collection Practices Act and also not being in compliance with the Metro 2 reporting System. I will not hesitate to file a lawsuit against Commonwealth Financial Systems.

I have all the evidence to back my claim!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, Okay so I opened up my very first account with capital one, I applied for the secured credit card with the minimum XXXX $ deposit I deposited XXXX $ & the 3 months later I was able to get another secured card from capital one & I deposited XXXX $ for that one. In just a about a year my credit was great & was building up also because I got my first car which was financed it was a 2015  XXXX XXXX XXXX $ which I never made any late payments on neither did I ever make any late payments on my credit cards either. Then right before I was booking a trip to the XXXX XXXX since i had not seen my family in about 7 years i spontaneously got both my cards canceled & when I called the bank to ask why they canceled my accounts they didnt give me a reason & told me I still had to pay my remaining balances which were only 30-40 % out of my limit but I even asked if I payed it off which in total was like 7 or 800 $ if they would reopen my accounts & they told me no & that I am welcome to re apply for another card.. so honestly being that I was leaving in a week to see my family I didnt even want to care about that anymore & I thought I would be able to handle it when I got back but I ended up staying there for about 6months & that ruined my credit which I why I am in the situation that I am in now & id really love a miracle.
Product: Debt collection

I have disputed this debt with XXXX XXXX XXXX regarding account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( credit bureau results attached ), requesting proper verification of this debt. As of today, this item is still reporting negatively on my credit reports, however, proper documentation has not been received. I have attached what they provided as debt verification ( something I could have typed up myself ). The other account they were reporting has been deleted from my credit file, yet this account keeps coming back as verified, please provide the documents being sent to the credit bureaus as verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being disputed due to identity theft and for that reason I'll like for the credit reporting agencies to remove these unauthorized accounts immediately. 

Please remove. 

1 ) XXXX XXXX XXXX {$150.00} 2 ) XXXX XXXX  {$550.00}
Product: Debt collection

I received a default request in XXXX from XXXX XXXX XXXX, law firm, on behalf of MRC Receivables Corp regarding a debt initiated by my ex-wife. We have been divorced for over 26 years. Originally I didn't know what the debt was so I sent them a letter stating I was not aware of the debt. They responded with an assumed Debt Validation Form listing creditor XXXX XXXX  XXXX. The address on the so-called form was not where I shared a residence with my ex-wife. 

Each year just prior to income tax filing, I receive a Request and Writ for Garnishment of a state income tax refund. I am a XXXX veteran who have not had steady employment for over 26 years thereby have not filed an income tax return. I have sent numerous responses and explanations to this law firm with no positive results. Due to their consistent threats, I filed a grievance with the Attorney Grievance Commission against them. 

On XX/XX/XXXX I informed them of my rights and that the statue of limitations for filing judgments in the court system in Michigan is against the law. They responded on XX/XX/XXXX stating " MCL 600.5809 ( 3 ) provides that the statue of limitations for a judgment is ten years. Additionally, this statue allows the judgment to be renewed for an additional ten years upon timely application -- a motion to renew the judgment was filed on XX/XX/XXXX. '' Companies involved are : MRC Receivables Corp and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX I have copies of all these transactions. They are suing me for {$2100.00}. Please help.
Product: Credit reporting or other personal consumer reports

Dear Equifax I am writing to request the deletion of inaccurate, fraudulent, and duplicate accounts present on my consumer credit reports and to bring to your attention the failure of XXXX XXXX and XXXX to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to these companies requesting verification of these accounts, as per the Fair Credit Reporting Act ( FCRA ), and have obtained a certified receipt with a signature confirming their receipt of the letter. 

Despite my efforts to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, this company never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this company. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory accounts and information from my consumer report. Despite the receipt of my dispute letter and the lapse of the 30-day period, XXXX XXXX and XXXX has neither provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law I'm demanding the deletion of these accounts on my credit report immediately. 

I formally request EQUIFAX to remove the disputed accounts, XXXXXXXX XXXX and XXXX from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts. 

I have enclosed a copy of the certified dispute letters and certified receipts with the tracking number, date, and signature someone received it for your reference. I kindly request your prompt attention to this matter and the necessary action to remove these inaccurate and fraudulent accounts off my credit report. Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX  XXXX and Portfolio Recovery Associates for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974. These violations pertain to their mishandling of my personal financial data, improper reporting practices, and disregard for my rights to privacy and financial autonomy. 

1. Violations of FCRA ( 15 U.S.C. 6801-6805 ) : Under the FCRA financial institutions are required to safeguard consumer information and provide clear opt-out rights regarding the sharing of sensitive data. XXXX XXXX and Portfolio Associates failed to : Provide me with adequate notice and an opportunity to opt out of sharing my data for promotional or transactional purposes. 

Illegally report transaction history to consumer reporting agencies without my consent, violating my rights under the FCRA and 16 CFR 313.2. Violations of 16 CFR 433.1 and 433.2 ( Preservation of Consumers ' Claims and Defenses ) : XXXX XXXX utilization of my financial information appears to contravene federal requirements to maintain fair and transparent practices in consumer credit. Specifically : They reported transaction histories, despite the limitations imposed by federal regulations. 

Their practices do not reflect the standard of care expected under 16 CFR 433.1 and 433.2, which mandate the preservation of consumers ' claims and defenses. 

3. Violation of Privacy Rights Under the Privacy Act of 1974 ( 5 U.S.C. 552a ) : XXXX XXXX and Portfolio Recovery Associates ' practices have infringed upon my privacy rights as outlined in the Privacy Act of 1974 by : Sharing or using my personal financial data without explicit authorization. 

Failing to adequately secure sensitive personal information, thereby exposing me to potential identity theft and unauthorized usage. 

5. Negative Impact on Creditworthiness and Financial Stability : These violations have significantly damaged my creditworthiness, reducing my ability to access credit and hindering my financial autonomy. The illegal and unauthorized reporting of my transaction history and derogatory marks have resulted in higher interest rates, denial of credit applications, and an inability to secure financial products vital for everyday operations. As a federally protected consumer, I have been unjustly burdened by these actions, which undermine my legal rights and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax first time on XXXX XXXX, XXXX ( Ticket # XXXX ) as my file was mixed with someone else. I had problem getting rental properties because my credit score & report was not accurate. Until today, even after filing multiple disputes, my credit report is still not accurate. I am getting problems renting apartments as my credit score is low because of mixed up. 
History of contact with Equifax with no result : XXXX. XXXX XXXX, XXXX ( # XXXX ) XXXX. XXXX XXXX, XXXX ( # XXXX ) XXXX. XXXX XXXX, XXXX ( # XXXX ) XXXX. XXXX XXXX, XXXX ( # XXXX )
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
DEPTEDXXXX XXXXXXXX Balance Owed : {$2300.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3800.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$690.00}
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify credit reporting agency to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX and XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX and XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX and XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.