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

On XX/XX/XXXX, someone apply for a credit card Penfed credit union using the name XXXX XXXX. On XX/XX/XXXX I reported the credit card aplicarion as Fraud and they were able to withdraw the application and was not granted. 

On XX/XX/XXXX, someone apply for prepaid debit card serve by XXXX XXXX, using a different email address and set up a pin i dont use. XXXX XXXX was not able to provide email address that was used. The name that was used was XXXX XXXX. 

My personal checking account XXXX XXXX union was compromised twice, {$80.00} charge by XXXX XXXX this is a wire transfer company, fraud company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. there is a credit collection from LVNV FUNDING LLC supposedly opened on XX/XX/2022 on my account that has been settled & removed due to the reasoning being " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravins ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' This account has been sold to another company and now the collection is reappearing after it has been removed in the past. 

The credit bureaus have not accurately removed this account due to false information. 

This collection needs to immediately be removed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. Despite repeated attempts to dispute and remove these items, they persist, causing significant damage to my creditworthiness and financial standing. 

I have submitted multiple disputes and provided extensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to thoroughly investigate these fraudulent items and remove them from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SER XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX EQUIFAX MORTGAGE SERVICE XXXX. XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX.
Product: Debt collection

M.A.R.S. Inc. has been persistently attempting to contact me at my work. They have sent faxes with personal information to an open fax at our office that could have been, and was, picked up by another employee. The letter is a request to garnish pay when no court order has been given, no court date has happened, and no judgement has been made. They have called multiple times, including twice today. The second time they attempted to call another employee answered and informed them the manager was not available and that I could not accept personal calls such as this. The woman calling then informed the other employee that she was collecting on a court ordered garnishment for me ( using my first and last name ) and proceeded to talk to her in an abrasive tone and incredibly unprofessional manner. The employee told her that it was nothing she had involvement in and that she would need to find other means of contact, as this was a business phone and this matter is not business related. 
This harassment is unacceptable and has on multiple occasions, caused issues in my workplace. I have the original copy of the fax that was sent, and now another employee that is aware that M.A.R.S. Inc is trying to contact me and garnish my wages over a debt that I am still uncertain of. They have not specified who they represent or to whom I am in debt to. The calls began on XX/XX/XXXX to my knowledge. XX/XX/XXXX they attempted two calls, XX/XX/XXXX a fax, XX/XX/XXXX attempted once, and today XX/XX/XXXX, have attempted twice. I had been unavailable the times they have called, however the employees that have answered have all been made aware of this situation that not even I am certain of.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY REPORT. THESE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT
Product: Debt collection

I got an email this afternoon from Credence Resource Management , LLC, and they had sent me a fraud packet that I cant even access. I think they may have emailed the wrong person or are trying to collect debt that I dont even owe.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report.

Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

XXXX XXXX Bank has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.
Product: Payday loan, title loan, personal loan, or advance loan

Since XXXX I have asked Oportun Inc to send me all the documentation of my contract, payment record and a report of the interest they charge me. I feel that I suffered predatory abuse with the payments I made. But so far they have not responded to me. They have sold the account and now both companies appear in my report for the same account.
Product: Debt collection

I continue to receive harassing phone calls from a creditor/collection agency ( Midland Credit Management ) that calls me at all odd hours of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account i disputed. being that they have gone past 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified ' that i have disputed. please resolve this issue immediately
Product: Credit card or prepaid card

Twice now, the checking account linked to my PayPal Credit Card has been removed from my card without notice or consent. This has caused my automatic payments to not go through thus resulting in late fees and frustrations with even the most basic of account functionality. This is beyond unacceptable as I have paid my bill in full each month only for this to have now happened TWICE with XXXX.
Product: Credit card

I ordered an item from XXXX XX/XX/year> XXXX XXXX Products by The Futon ... https : XXXX? ref=ppx_pop_mob_ap_share. I paid XXXX through my XXXX XXXXd by Goldman Sachs and returned it after determining it did not fit the items description. I opened a dispute with the XXXX XXXX company. XXXX confirmed XX/XX/year> that XXXX shows that the item was delivered to the seller on Friday, XX/XX/XXXX XXXX XXXX ) at XXXX A.M. at Dock coming to XX/XX/year> I receive an email from XXXX stating We received your email about order XXXX. We have researched this matter and confirmed that the dispute in question has been resolved between XXXX and your card issuer. Therefore, we will not be able to reimburse you. Goldman Sachs refuses to to acknowledge all the information provided that the item is confirmed returned XXXX wanted to issue the refund but was blocked by an inadequate investigation and Goldman continues to try and charge me for this returned item well over a year later and several so called investigations.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX a board member signed a {>= $1,000,000} line of credit with another homeowner, stating the monies would be used for emergency upgrades to our six acres of oceanfront property in XXXX XXXX XXXX. We have sixty unit owners and we were not aware of the XXXX XXXX dollar credit line. Prior to this commencement of the credit line the community was special assessed a total amount of {$290000.00} divided by the sixty units. In the event that was not paid immediately we would personally be foreclosed on and lose our homes through the new management company and the managements company personal attorneys. 
Additionally, the bank accounts in this community were depleted of all reserves and monthly funds in XX/XX/XXXX by this same board member, without drawdowns of our funds and without knowledge of funds disbursements. 
First and foremost, we have condo documents which do not allow for any expenditure over {$1000.00} without an excess of 75 % vote agreeing to the expenditure in writing. 
The person who is responsible for this XXXX loan/credit line was the person who without notice hired the XXXX XXXX XXXX and also hired their Attorneys, as now our attorneys of record, which later reveals they were all party to the {>= $1,000,000} line of credit. 
Upon signing that loan the collusion started with a new self appointed board of 5 unit owners immediately. The 5 self appointed homeowners were not board members legally until XX/XX/XXXX, and yet they had obtained allowance from the bank to start bank withdrawals as soon as that loan of {>= $1,000,000} commenced on XX/XX/XXXX. 
The bank Allowed this person to lien our sixty units as collateral for bank repayment. We have written letters to the Head quarters of this bank, they have responded that they can not give any details about the loan because we are not the responsible party for repayment. 

We have been forced to pay the loan on a 4 year payment plan at nearly each unit to pay approximately {$17000.00} each. 

The funds were never spent on the projects. The liens of real property are still on all properties for collateral for this loan. The 7 people and the Attorneys and the management company are changing the loan terms every 3 months, are using the funds for their personal life style needs, are foreclosing on our neighbors. They have a 30 year mortgage and the unit owners were forced to pay the XXXX credit line in 4 years. 

Please by the grace of XXXX help us. We have evidence that reveals all the people are involved are financing terrorism through this community. We have documents XXXX 's of XXXX  Laundering of millions of dollars associated with this community and its partners mentioned. Please contact homeland security for all documentation of such. I fear for my life and I will need protection to provide,
Product: Credit reporting or other personal consumer reports

There is an option under the business segment of the website to file a dispute via you can email your disputed items to XXXX. Once I did so, I only received an offer to buy a business product as a response
Product: Credit reporting or other personal consumer reports

My credit was used by an identity thief. They used my credit to open fraudulent accounts in my name, here is the list of companies. 


XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX Account number XXXX Original creditor - Company sold - Account type Charge Card Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Account name XXXX XXXX Account number XXXX Original creditor XXXX Company sold - Account type Unsecured Date opened XX/XX/XXXX Open/closed Closed Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX Company sold - Account type Collection XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX sold - Account type Debt XXXX XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Company sold - Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX 
Company sold - Account type Debt Buyer Date opened XX/XX/XXXX XXXX! password for ftc and cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan from XXXX XXXX XXXX in XXXX, PA for XXXX XXXX almost 13 years ago from XXXX XXXX. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX  class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my XXXX XXXX loan then got taken over by XXXX  in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX   it's open now taken over by XXXX and under my XXXX  report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a single mother of XXXX  little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX years old and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on XXXX XXXX XXXX as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my XXXX XXXX XXXX report.
Product: Money transfer, virtual currency, or money service

I have reported this scam to my bank XXXX, the FBI and to the app 's parent company. They also was suggested file a report with my local authoraties as well. They said they would fully cooperate in helping me have my fund recovered if you reached out. Here is an outline of the case which I informed to the parent company. 



I invested in your XXXX XXXX. I made $ XXXX was first told I needed to pay {$14000.00} in fees to get my money released on XX/XX/year>. I paid the fee. Then I needed to pay a {$10000.00} is retrieval fee when the withdrawl was sent to the wrong accoubt which I paid on XX/XX/year>. Then they said another {$5700.00} in miner fees for my new withdrawl release attempt which I paid on XX/XX/year>. NOW they are asking for another {$20000.00} in fees. At this point I am not interested in the earnings. I would just like my wire transfers reversed please. I have screenshots of all live chat convos with XXXX which I supplied to their parent company Crypto.com who asked me to reach out the authorities and that they would full cooperate.
Product: Bank account or service

CLAIM AGAINST BB & T, WHICH THE CFPB REGULATES, FOR VIOLATION OF CONSUMER PROTECTION LAWS In XXXX 2014 ( my dispute with BB & T has gone on for months ), I called the Fraud Division of BB & T and reported criminal activity on my account. XXXX Sunday, I found myself locked out. I called the office of a company which purported to be in the locksmith business. I told the dispatcher that I needed to have my front door opened and a mailbox key made. He told me that the price for the work would be {$120.00}, which I agreed to pay. However, when the locksmith finished the job, he presented me an invoice for {$440.00} and threatened me physically if I did not sign the invoice. Under those frightening circumstances, I signed. I may have gotten a few facts wrong when I reported this incident in my initial letter to the bank, but I was so traumatized by these events that I had to process them with the help of a psychiatrist, and I shook each time I discussed them. 

A few days after the incident, I filed a report with the XXXX XXXX XXXX Police Department. XXXX XXXX took the report. During our discussion, he mentioned that the Department had received complaints from XXXX other individuals regarding a swarthy looking man who had done some locksmith work on their property and had threatened them physically into signing an invoice several times greater than the amount that they had agreed to pay.. 
Four or five months into this debate, BB & T insisted that I provide the bank with a copy of the police report. I went to the Police Department and requested a copy, but they could not find it in their files. The Department 's failure to produce the report was not terribly surprising to me since I had filed a prior complaint with the Department on a totally different issue and they could not find that report in their files either. 

I have exchanged several letter with BB & T 's Assistant General Counsel XXXX XXXX on this issue. She insists that I produce a copy of the police report before she would refund the {$310.00} that BB & T had deducted from my account. I have explained to her numerous times that I did not sign the invoice voluntarily but only because my life was threatened. I also told her that I refused to be penalized for the carelessness of the Police Department in maintaining its records. 

This is a case where a bank is oppressing a customer -- simply because they have the power, and the customer has no power. 

I hope that the CFPB can help me get my money back. Many thanks for your assistance. 

Sincerely XXXX XXXX XXXX XXXXXXXXXXXX Landline : XXXX Cell : XXXX
Product: Debt collection

I have 5 medical bills on my credit report 3 are for {$140.00} 1 is for {$140.00} and another for {$140.00}. I have called the collection company several times over a couple of months now asking them to validate the these my bills. They still will not sending me something showing that these are in fact my bills. I have also contacted XXXX as well and have disputed these three times with them. The only thing I have received from the collection agency is a invoice with the collection company logo showing I owe {$720.00}. I do not feel this is a validation of my debt. I feel I have a right to see the validation of the debit to show me it is mine and not for someone else.
Product: Debt collection

I had an outstanding debt with XXXX XXXX. I settled this debt with a different collection agency a long time ago. The information was verified and is reported correctly on my credit report. However I continue to get calls from EOS CCA trying to collect {$110.00} for a XXXX XXXX debt that has already been resolved. This agency is harassing, rude, and does not have valid information and continues to try and get my personal payment information for a debt that has been resolved.
Product: Debt collection

I recv 'd a letter dated XX/XX/18 from the US Dept. of Tres.  stating they were going to with hold 15 % of my social security XXXX to collect a past due fed student loan. I have req 'd deferments over the past few years until I was told I could not do so anymore, I was not given a reason except that I had exceeded my limit. When I recv 'd this notice it said to contact the US Dept of Educ. to stop the matter and when I called a recorded message advised me to contact National Recoveries Inc. This was the first time I have heard of this company, I have not had any correspondence with them. I have attempted to contact them several times and each time I am unable to reach a representative. I am currently living under the poverty line and this would certainly put enormous pressure on my financial situation. If I was given the opportunity, and was not, to make other arrangements I would have done so. I would greatly appreciate your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am following up regarding the ongoing issue of late open accounts inaccurately listed on my credit report. This letter marks my eleventh attempt to address this matter, and I am increasingly frustrated by the lack of resolution and the continued presence of these inaccuracies. I have diligently provided all necessary documentation and followed your companys procedures to dispute these erroneous entries. Despite numerous follow-up communications and assurances that the issue would be resolved, the late open accounts remain incorrectly reported on my credit file, causing significant distress and impacting my financial standing. I expect an immediate correction of these late open accounts to ensure they are accurately reported on my credit file, reflecting their true status. Additionally, I request a thorough investigation to identify and address the root cause of these inaccuracies, and implement robust measures to prevent future occurrences. The following accounts should be corrected as soon as possiblepossible : XXXX XXXX Balance : {$140000.00} ; XXXX XXXX Balance : $ {$190000.00} ; XXXX XXXX Balance : {$0.00}.