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

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. ( IVE SENT OUT LETTERS TO ALL XXXX CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : 1.XXXX XXXX  XXXX Account number XXXX 2. XXXX XXXX  XXXX Account number XXXX 3. DIVERSIFIED ADJUSTME Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting

I checked my credit score on XXXX in the information was wrong I never made any of them claims
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice from XXXX that this creditor reported a collection on my report. I dont know this company and they have never contacted me. It is against the law to report information to the bureaus without it being validated. I have never heard of this creditor nor have they ever contacted me. Without validating I have any business with them they are breaking the law and I dont owe them nothing. So they need to remove this debt from my report ASAP or Id like to file charges against them for reporting wrong information to a third party in an effort to discredit me.
Product: Credit card or prepaid card

Please refer to the attachment which describes my complaint in full detail. In summary, I received a " targeted '' offer from the American Express Delta Skymiles Gold card. It was a " targeted '' offer because it not only contained my name, address, etc. but a unique ID number that was specific to me. The incentive on the offer was a {$50.00} statement credit and XXXX Delta Air Lines Frequent Flier miles after meeting the requirement of making total purchases of {$2000.00} within 90 days of receiving the card which I performed. Subsequently, American Express refused to honor the incentive claiming that I had previously received this offer. I asked American Express, if I had previously received this offer and did not qualify for it, then why was I not only targeted with a unique ID offer number but when I applied for the card, there was no decline by American Express stating that I did not qualify for this offer. American Express could not answer my question and I am seeking the assistance of the CFPB.
Product: Money transfer, virtual currency, or money service

I used Remitly ( Ref XXXX XXXX XXXX XXXX XXXX ) to transfer money from USD to XXXX The service initially promised a transfer time of XXXX hours on XXXX XX/XX/year>. However, after debiting the amount from my account, I was informed that the transfer would take 4 days. There was no option to cancel the transaction after this change. This delay has caused significant inconvenience, and I am requesting a refund of the service fee and appropriate compensation for the delay.
Product: Debt collection

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act. I demand that this agency provide proof that they have sent me a notice with a certified green return card and verify this alleged debt by answering the attached dispute letter. If they can not answer the attached dispute to its entirety then I demand that they remove this information from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor agreed to remove off the report once settled. The account is still on my report reflecting negatively.
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 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$39000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 


XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXXXXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$110.00}. The original creditor is XXXX XXXXXXXX XXXX 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$2300.00}. The original creditor is XXXX. 

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.
Product: Credit reporting or other personal consumer reports

Subject : Illegal Furnishing of Collection Accounts and Harassment by Multiple Companies To Whom It May Concern, I am writing to file a formal complaint regarding the unlawful furnishing of collection accounts on my credit reports with Equifax, XXXX, and XXXX by the following companies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX  XXXX These companies have engaged in actions that have had a detrimental impact on my credit profile and financial well-being. 

I believe that these companies have no standing status within the state of South Carolina, where I am a resident, to pursue collection activities against me. Their actions amount to harassment, and I demand that they provide the correct information pertaining to their surety bonds, which proves the validity of their business affairs in South Carolina. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate these companies and ensure they comply with the necessary legal requirements in South Carolina. I further demand that each of these companies provide the requested information within 48 hours of receiving this complaint. Failure to do so will leave me with no choice but to pursue legal action against them for their continued harassment and violation of my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the appropriate steps to rectify this situation. Please feel free to contact me at [ your contact information ] if you require any additional information or clarification. 

Thank you for your assistance in addressing this serious issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute an account on my credit report with the address provided, and it came back with a return to sender label. By Law ( FCRA section 623 ) every account must be disputable. I have attached supporting documentation to support my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my Transunion report. The following date is when this remark was disputed via CFPB : XX/XX/2019- via CFPB, XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested for information to validate your findings with XXXX or the secondary agency you receive your public records from. Youve ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with XXXX via phone as well as paper trail getting the same response from the company. The XXXX Court listed informed me that they do not work with credit reporting agencies like Transunion, therefore, they could not confirm nor deny any information. Transunion continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019 and mail, stating the vendor has claimed the information as accurate. Theres no proof Transunion verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by XXXX that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with XXXX via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the XXXX report showing no reporting Chapter XXXX Bankruptcy Ive submitted to Transunion. Ive even attached my Equifax report showing how another reporting agency is correctly reporting the information. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes through this company and I believe they did not thoroughly take the time out to investigate the dispute but instead they put it back on my credit report.
Product: Debt collection

My loan payment to Veros credit was due on XXXX XXXX, XXXX I called on XXXX XXXX to set up arrangements and spoke with a rep who gave me the total amount due for XXXX and XXXX and I went online and set ily he automatic payment. Since I have received 4-6 phone calls per day, no messages left and then they started repeated phone calls to my job and then they started calling my mom. I spoke to a supervisor who told me their call log regenerates and they call any number they have on their. The phone calls I 've received AFTER speaking to their representative and setting up the electronic payment are as follows : To my cell phone # ( no messages ) Wednesday, XXXX XXXX -- XXXX, XXXX, XXXX Thursday, XXXX XXXX -- XXXX, XXXX Friday, XXXX XXXX -- XXXX, XXXX, XXXX Saturday, XXXX XXXX -- XXXX, XXXX To my MOMS cell phone : Saturday XXXX XXXX -- XXXX XXXX Friday, XXXX XXXX -- XXXX XXXX, XXXX, XXXX Thursday XXXX XXXX -- XXXX, XXXX, XXXX Wednesday XXXX XXXX -- XXXX, XXXX, XXXX I can not list the times they 've called work, but there has been repeated phone calls from veros credit to my work line but they hang up or do n't say anything per my coworkers. I called again on Saturday to speak to a supervisor or said there was no notes in my account but she saw the arrangement set up? The supervisor assured me that their collection practices were not harassment.
Product: Student loan

I have XXXX different student loans, XXXX of them were transferred over to Navient at some point. They began contacting me via automated phone calls informing me to call some number and plug my social security number. That smells like some scam right off the bat. When researching the internet all I find is what a dishonest organization this is. But then I had to contact them and find out who they were and that is how I found out that my loans were now under Navient. Now the real issues begin to show up. This agency is very tough to get information from, and the information changes every time you talk with someone new. ( very similar to XXXX XXXX and their scam ). I finally was able to get access to my statements. I have been in Forbearance for quite some time, upon review of of those statements, i see that Navient has repeatedly charged " late fees '' every few months. These are not small late fees, but rather in the hundreds of dollars every 3 months. I contacted Navient why and how they could possibly charge " late fees '' when I have been in Forbearance the whole time. The person on the phone could not come up with a real reason, he tried to get approval to remove them or reduce them, all he could do was give a XXXX dollar credit. ( we are talking thousands of dollars of late fees and he can take off XXXX bucks. Come to find out, the reason that there are " late fees '', is because Navient takes so long to process their paperwork that it shows up as if I am late in renewing my forbearance every other month. 
I am also astounded that they can charge 8.5 % interest on loans! nobody has see those kind of rates since the 1980 'S! but at least back then we were making good money and the economy was robust. I guess they forgot the " ro '' in robust and are just going for the bust. 
I have no problem paying back my loan, but would love to be able to deal with an honest company with honest rates and transparent policies and procedures. 
I also have loans with XXXX and XXXX and XXXX and those agencies are straightforward and the interest rates are between 2 and 3 % and there are no surprise fees. 
I am attempting to consolidate all my Navient loans into XXXX loan and begin the re-payment process, I could not get a straight answer as to the interest rates and fees involved ... we shall see. From what I have experienced already, I am very sceptical. 
For all those out there, stay out of the student loan debt. Go some other route. 
I have been working on becoming a XXXX for 21 years, I was working full time and raising XXXX kids and still paid a XXXX a month into the system, but I still had to take out loans to get it done. 
-good luck to all
Product: Checking or savings account

wrote to KeyBank to ask them if an old account is still open. They ignored me.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I made a report before ( refer to report number XXXX ). After I made that report, I received a phone call from Wells Fargo representative told me that their fraud department will handle this case and they will close my complaint from the CFPB. They gave me a phone number in order to check the status of my case and I checked the status of my case weekly. Once per week I called with different agents to check the progress and the answer is always its still in progress and I need to wait. Every week I call and I do understand that its take time because its international wire transfer. On XX/XX/XXXX I checked my mailbox and I got a letter from the claim assistance center ( dated on XX/XX/XXXX ) mentioned that my case is closed because the recepient banks refused to return my money. I was so shock and worried so I called the fraud department again and the agent who answered my call said not to worried because its still in progress and I could ignored the letter. I was so worried and he assured me that my complaint is still open and I could ignore the letter. Today, XX/XX/XXXX I called and they told me the last update was on the XXXX and they kept transfering me 4 times and finally the claim department told me that they sent me a letter to inform me that my case is closed as per XX/XX/XXXX! She told me that since I authorized the transfer that they couldnt help me to get my money back. But if you think, i lf i dont authorized the transfer, that means Im not scammed and there is no reason for me to make this fraud report, dont you think so? I admitted I made the mistakes because I got scammed and I reported to you to seek for your help. But when you told me there is nothing you can do because i authorized the transfer is not make sense, i am a victim ( a fraud victim ) since i authorized the transfer. She even told me that i should confirm the amount before I authorized the transfer. I think she needs to learn the meaning of being a victim fraud. I did check the amount, not only when i did the wire transfer but even when i did XXXX I checked the amount, but the problem is not that I didnt check the amount. The problem is i was scammed therefore I made those transaction. I am writing this report again because i am soooooo desperate, please help me, help me and let me know what should i do in order to get my money back. Please please please help me. I am willing to send all of the photos proof that I got scammed if you need it. Please kindly review my report and please kindly help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

Also it appears they are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior, as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX ACCOUNT # XXXX, XX/XX/year> ) ( Collection )
Product: Money transfer, virtual currency, or money service

In XXXX of this year I received a XXXX check from the IRS, not knowing what it was for I contacted the IRS. I was told.it wasn't a mistake and the check was for the check tax credit. They then asked how many payments I have received. I said just 1 check. At that time the IRS agent informed me that 3 payments were sent to a netspend card and the account number ended in XXXX. I then contacted netspend, I was told someone transferred the money off my card onto ANOTHER card in my name. I IMMEDIATELY asked to dispute this transfer as it was not me and I was not.in possession or control of either of these accounts. I asked that I receive a provisional credit and I waited for 14 days for an update, only to be told they found no errors because the person who did it was able to answer my security question that was ( what is your dad 's name ) this blew my mind. I was so.upset at how this was handled I then contacted my local police department to file a report and get help. After contacting nwtspend to ask that they reopen my dispute. They said I had to.wait 7 to 10 days to get and call back and ask them to reopen my dispute. I am.up in arms over this and I need my money back. I have offered to send a picture of my license so they could check ATM pictures and see this was not me. I want netspend to reopen this dispute and issue me or Provisional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO-XXXX viewed my XXXX credit report on XX/XX/2017 and XX/XX/2017 without my consent or knowledge. 
XXXX XXXX XXXX via XXXX viewed my credit report on XX/XX/2017 without my consent or knowledge. I have contacted them directly and XXXX disputing these inquiries and they never take any action to investigate or remove these inquiries. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized or at least known about them viewing my consumer report otherwise, I am asking that they remove these inquiries from my XXXX file.
Product: Credit card or prepaid card

I received the XXXX XXXX XXXX Credit Card XXXX in XX/XX/XXXX. 
I made one purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX {$260.00} and have not used it again. 
On XX/XX/XXXX the following transaction was withdrew from my XXXX XXXX XXXX, Texas : XX/XX/XXXX XXXX XXXX PAYMENT XXXX XXXX I did not authorize this transaction. 
I have a savings account and CDs with XXXX XXXX so I phoned them and asked why they withdrew {$2200.00} from my XXXX XXXX XXXX, Texas. After they did some searching they replied that they did not do the withdrawal. I went to XXXX XXXX XXXX, Texas and asked if they knew who withdrawer the money and they did not know so I filled a Disputed ACH Transaction. 
On XX/XX/XXXX I received an email from XXXX XXXX, Oops, did you forget to make your payment? 
I retrieved the XXXX XXXX XXXX Credit Card from my files called the number on the back of the card asked them what they were talking about and that was the first time I knew who had withdrawn the {$2200.00} from my XXXX XXXX  XXXX, Texas. 
I do not know how someone had the Credit Card information as the card has been in my file cabinet for the past 2 years. 
How did someone get the information to make a payment on my XXXX XXXX XXXX, Texas? 
When I phoned XXXX XXXX XXXX Credit Card I asked them why they had not sent me a statement and they said they had and it was returned. 
This whole thing looks like an inside job to me I dont know how anyone else could get this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX  credit report from CitiCard, Exxon   CitiCard, THD CBNA,  and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.