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

I had an account with Money Network based out of XXXX Georgia. I requested a new debit card sent to me. It took over three weeks to arrive, and when I called to activate it on XX/XX/XXXX, I was told by customer service that the account had been closed because of " suspicious activity '' and that a check had been sent to my mailing address on XX/XX/XXXX, the day *before* I called. The check did not arrive within 10 days, and so I called back on XX/XX/XXXX, and was told that it takes 10-14 " business days. '' That's not how the mail works. If the check was mailed on the XXXX, it's now in the postal system. I waited until XX/XX/XXXX, as XX/XX/XXXX was the 14th business day and XX/XX/XXXX was a Saturday, a mail delivery day. No check. I called the morning of XX/XX/XXXX and was *now* told that the check wasn't even requested until the XXXX, so I was lied to about the date the check went out. I then escalated the call two steps to whoever the supervisor 's supervisor was. That woman now told me that the 14th business day isn't until Wednesday the XXXX of XXXX. That is 23 days after the check was supposedly ordered, and 16 business days later. So I was lied to again. 

Timeline of events : XX/XX/XXXX : told account was closed, check had been mailed the day before on the XXXX. Was given no evidence the check had actually been mailed. 

XX/XX/XXXX : told check would take 10-14 business days to arrive. 

XX/XX/XXXX : told check would arrive by Monday. Check did not arrive. 

XX/XX/XXXX : Told check was not requested until the XXXX ( I never requested anything other than a new Debit Card ) and not sent until the XXXX. XXXX then told me that they can not authorize an electronic payment to me because my account had been " compromised '' and that I must wait for the check to arrive. Now told that the 14th business day is the XXXX of XXXX, which is not 14 business days after the XXXX, when they claim the account was closed. 

I have been either lied to over and over, or been the victim of negligence. 

The Money Network claims to be operating out of : XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding my Equifax consumer credit report and file. There are inaccurate names and addresses being reported on my behalf. Pursuant to 15USC 1681 ( a ) ( 1 ) the banking system depends upon fair and accurate credit reporting. Furthermore, consumer reporting agencies ASSUMED the vital role of assembling and evaluating consumer credit and other information on consumers. However, I did NOT provide Equifax any form of written instructions to furnish, accept or report anything on my behalf, pursuant to 15USC 1681b ( 2 ). Equifax is tarnishing my personal reputation and violating my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Date of inquiry:XX/XX/XXXX Delete!! 


incorrect names : 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 INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX horized inquiry XXXX Date of inquiry : XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX  Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX XXXX of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of inquiry : XXXX DELETE!! 


Unathorized inquiry XXXX Date of inquiry : XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX Account XXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX  Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX Account XXXX Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account XXXX
Product: Debt collection

XXXX XXXX had a collections account under mine and my wife 's name which was disputed, resolved, and removed from my wife 's account on XX/XX/XXXX. As this amount of {$1400.00} was a joined account, the account was closed and all debts associated with this account should have been dissolved and removed from our credit reports. As mentioned, XX/XX/XXXX it was removed from my wife 's, but not mine. XX/XX/XXXX I started receiving extremely threatening calls from a XXXX  XXXX at Nelson Cruz & Associates stating " mine and my wife 's wages would be garnished, our house is being taken away '' constant use of obscenities, threats and more. We explained the debt was disputed and removed. After contacting XXXX XXXX, we saw the account was never removed from my report as it should have been. We disputed the amount due to the situation of the account already being closed out, and send a letter ( certified with return receipt ) stating that as the FCRA allow, we did not want to be contacted about this account as it was being disputed. The harassing calls did not stop there. Upwards of 7 calls a day I am receiving, and now they have my wife 's information and they are threatening her to the point of feeling mentally and physically violated and threatened. The rep who has been harassing me contacted my wife saying that the account is going to go back on her credit even though ti was disputed. And proceeded to throw several obscenities and threats her way to the point of being visible shaken. We are concerned now that this new agency has the information, even though they shouldn't, that they are going to try to get this money for which has already been closed. Are they able to add this back onto my wife 's credit report? What are our rights or next step?
Product: Debt collection

CRA VIOLATION/ NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFTBREPORT # XXXX
Product: Debt collection

Collecting agents keep calling my aunt instead of my personal phone number, and keep talking to them about my debt and I do n't know how they got her phone number the worst part is that she has a XXXX old baby and they keep calling at night asking for a payment. They said they have send letters which they have n't at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXXI XXXX Balance : {$750.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I received the following email and Western Union will not release my payment to XXXX XXXX or back to me. I feel this request is not safe over the internet and should not give my personal information across the internet. There is no address or phone number on the email so to me it a scam. However, Western Union is now holding my money and will not release it which is causing me stress, as this is a car note payment that is currently in collections. 
Dear XXXX, On behalf of Western Union, we want to inform you that your recent transaction is currently on hold under security review. In order to continue processing, we need to verify your identity with a front-and-back copy of a government issued photo ID ; e.g., passport or drivers license. Please reply to this e-mail ( XXXX ) with a copy of the ID and its translation into English plus the following information : Your current address Your city of birth If you have any further questions or concerns, please contact our local Customer Service Center at the number indicated in your receipt with your tracking # ( XXXX ) available for assistance. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The information transmitted, including any content in this communication is confidential, is intended only for the use of the intended recipient and is the property of The Western Union Company or its affiliates and subsidiaries. If you are not the intended recipient, you are hereby notified that any use of the information contained in or transmitted with the communication or dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this communication in error, please notify the Western Union sender immediately by replying to this message and delete the original message
Product: Mortgage

I was denied a home loan by Wells Fargo after submitting multiple consumer credit/loan applications with branch employees in XXXX XXXX, NV in XX/XX/XXXX. I have received emails from the institution for years warning me of various account changes despite my not having any accounts that I know of with them. I received emails stating my account was opened, changed, debited ( overdrawn ), or somehow accessed ever since submitting those applications for loan products ( mortgage/home loans ). These emails looked very legit and came as regularly as any open account would receive notice from the bank. I reviewed them for phishing and while they looked legit, I knew I did not open any accounts on the few occasions I entered the bank 's branches and submitted apps or inquired about products even though each visit required I provide the bank 's staff with my personal information including copies of identification. I believe the fake account has created a negative impact on my credit score, ability to obtain credit, and ability to obtain fair lending as over the years I have seen various transactions on my credit reports that refer to Wells Fargo but I assumed were errors. There were home loans in excess XXXX , auto loans for thousands and collections charges for accounts that were closed with Wells Fargo connected to them. I disputed the reports informally but with time restrictions on how long items sit on credit reports, some of those charges have automatically been removed from my credit report. 

I learned of the fraudulent accounts created in XX/XX/XXXX and am aware that some citizens hurt by this scam at Wells Fargo may have never even actually owned an account. Some may have been victimized in the ways in which I was victimized by taking my identity and opening the accounts after refusing me service/products at the counter. Initially, I believed it was a matter of discrimination based on race/gender/ethnicity and I still believe those things may have played a factor in my denied loan applications and resulted in the fraudulent account assigned to my name that resulted in email notifications about the account activities and credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit today and found MRS associates is still reporting a debt from XXXX that is not owed. I want the trade line deleted immediately. i tried to submit a dispute through XXXX website for this item and several more but the system caused an error when i clicked submit.
Product: Debt collection

I am writing to dispute the inaccurate and unlawful reporting of a collection account on my credit report. This collection account, reported by AFFIRM violates both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 for the following reasons : 1. Failure to Validate the Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, if a debt is disputed, the collector must cease collection efforts until proper validation is provided. I previously requested validation, but the agency failed to comply. 
2. Inaccurate or Outdated Reporting Under the FCRA, 15 U.S.C. 1681c, negative information, including collections, must not be reported beyond the legally allowed timeframe. If this account is outdated, it must be removed. 
3. Unauthorized Reporting or Misrepresentation If this collection account was inaccurately reported, duplicated, or lacks verifiable proof of legitimacy, it constitutes a violation of both the FDCPA and FCRA, and must be corrected or removed immediately. 

I have attached several supporting documents in my disputes letters, including correspondence and prior disputes, to support my claim. Under federal law, you are required to investigate and respond within 30 days. If this account can not be verified or has been reported unlawfully, it must be deleted from my credit report.
Product: Mortgage

I purchased this home approx 10 years ago and was initially required to pay PMI because of the low down payment I made. Now, the LTV is approx 65-68 % and the company ( Mr Cooper ) is fraudulently refusing to discontinue the PMI deductions. In fact, the LTV Passed the 80 % mark several years ago so Mr Cooper has  illegally taken my money for quite some time. When I tried to get them to fix this they made up facts and tried to tell me I should refinance with them using their streamlined process and that if I agreed to refinance with them theyd see what they could do about the PMI. They also told me there had been no recent sales in the area ( this is absolutely untrue ) - This all sort of sounds like extortion to me. There have been several homes sold in the neighborhood, some that they have services the loans for, so they know the truth and yet they still take the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX XXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$520.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Debt collection

Despite the passage of the mandatory 30-day timeframe, I have yet to receive any valid verification of the fraud accounts in question. This raises a multitude of questions in my mind, the foremost being : WHY ON EARTH DOES YOUR BUREAU PERSIST IN REPORTING THESE ACCOUNTS WHEN IT HAS FAILED TO PROVIDE THE REQUIRED VERIFICATION WITHIN THE SPECIFIED TIMEFRAME? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The lack of responsiveness from your bureau is not only astonishing but also a blatant violation of the FCRA. It leaves me questioning the efficacy of your investigative processes and the commitment to upholding the rights of consumers. If your bureau can not provide valid verification within the mandated timeframe, it is only logical that you refrain from reporting these dubious accounts and causing further harm to my creditworthiness. 
XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX XXXX-PLEASE DELETE!!! 
It is with a dubious sense of irony that I question the credibility of a bureau that continues to report information it can not substantiate within the stipulated timeframe. I implore you to take a moment of introspection and consider the implications of your actions on the lives of consumers. The continued reporting of these fraud accounts without valid verification is not only an affront to my financial well-being but also a disservice to the principles of accuracy and fairness outlined in the FCRA.
Product: Debt collection

Capital Accounts began contacting me about the debt around XXXX of 2023 but could not answer any questions when asked. I asked for documentation from capital accounts and the original creditor, but it wasn't received. This medical debt was first acquired while I was under 18, and my parent accepted financial responsibility. We contacted XXXX XXXX for financial responsibility documentation, but they did not provide it and stated that we owed a different amount than what the Debt Collectors requested. We have had multiple phone conversations with debt collectors and original creditors, and both have failed to provide any documentation verifying the debt. The initial financial agreement was signed by my parent, accepting responsibility. My parents never received a bill, and XXXX XXXX never contacted us except for them attempting to sell us additional services. I mailed a letter to Capital Accounts on XX/XX/XXXX, requesting specific documentation to verify the debt, and they have failed to reply to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports.
Product: Mortgage

My first modification trial payment was due XX/XX/2019 I've made that payment. 
I received a property foreclosure notice for the sale of my home that is set for XX/XX/2019 from the foreclosure attorney XXXX XXXX XXXX. How is a foreclosure sale set for my home when I'm in a trial modification plan the began XX/XX/2019. 
Property foreclosure letter was received XX/XX/2019 and the property foreclosure sale date is set for XX/XX/2019 that's not 30 days prior to sale date as required by the Tennessee XXXX.