23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was scammed through XXXX which is on my Bank of America app. I sent 2 payments on XX/XX/XXXX. XXXX was for {$700.00} and the other was {$400.00}. The {$700.00} was stopped because the scammer immediately messaged me. But they were not able to take care of it before the weekend so they were able to get the money out. The {$700.00} was in another Bank of America account so Im not sure why they wont protect their customers from their other customers. Additionally {$400.00} was transferred to XXXX XXXX. Bank of America has rejected my claims. I would like my {$1100.00} to be returned. If this is not a protected program why on earth is it literally in my bank app? If it isnt protected by Bank of America it should be removed from their app. I requested it back from them several times but obviously the sender isnt going to give it back.
Product: Credit reporting or other personal consumer reports

Equifax had a breach and as a result had a lawsuit that I was a class action member of the suit. Equifax settlment administrator is claiming that my check was mailed on XX/XX/XXXX and that it has been cashed. I have tried repeatedly to inform the settlement XXXX that I did not get my check, It is impossible because I was in the XXXX XXXX XXXX  on XX/XX/XXXX and was not released until XX/XX/XXXX so I did not get my check nor did I cash it because I was in jail. I have asked for months after months emails after emails for another check to be reissued and they have 'parrotted ' the same lies that I got the check and was paid, which again is IMPOSSIBLE to be true. This is about identity theft so is it possible someone else got my check? I am due and owed this money and never got the settlement offerings which were {$7500.00}, identity theft monitoring products and comopensation for time spent. I am asking for 1 ) a re-issue 2 ) verfication of whatever check was cashed and by whom and when and the amount. more information. I am rightfully owed payment and the 'settlement ' email is doing nothing but spitting out lies.
Product: Credit card or prepaid card

someone broke into my car a few years back and i see they used my identity for credit cards and other things
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for a re-investigation of the following personal information, unauthorized inquiries, and inaccurate accounts : The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Employers : XXXXXXXX XXXX 5. The following personal information is incorrect Employers : XXXX XXXX  PLEASE DELETE THE INACCURATE PERSONAL INFORMATION ABOVE FROM MY CREDIT REPORT. I only give permissible purpose for the following accurate and correct personal information to be furnished : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security Number : XXXX Employment : I do not wish to have this reported. N/A Please delete any other personal identifiers as they are inaccurate. The Fair Credit Reporting Act states my credit report must be 100 % accurate when furnished. I have included documents that verify my identity with this letter. 

Thank you for your due-diligence in having this corrected as soon as possible. 

With Kind Regard, XXXX XXXX
Product: Credit reporting

I sent this letter to Trans Union on XXXX/XXXX/XXXX and nothing has happened.These collections still remain on Trans unions report but the other agencies have declined them.Per the Colorado State statute " at that time '' violations had to be " personally '' served to you. Service by mail was not applicable so Therefor no service no collection. Colorado statute 42-4-110.5 I maintain that I do not owe these collections and the other credit agencies agree. I would like Trans Union to remove these collections from there report as they are damaging a otherwise perfect credit score. 



Trans Union XXXX/XXXX/XXXX Re : XXXX/City of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Co. XXXX XXXX Tickets : - XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I originally disputed this collection with you on XX/XX/XXXX. Since it has been supposedly investigated by you 3 times. I believe your investigation process is inadequate and on each time the The City of XXXX, Co simply states that I owe the debt but they and you will not provide me with the date of service. Per letter of XX/XX/XXXX I have to be personally served. That does not include being mailed a copy. If I am not personally served with in 90 days of the supposed infraction the ticket has to be dismissed. I have asked Trans Union numerous times to provide proof of personal service, the date served and or mailed, and served by whom. I would need copies of that. Trans Union simply asks if the debt exists but not if it is valid. 
The City of XXXX Co. has obtained a judgment against me in all XXXX of these tickets because I refused to go to their courtroom to discuss citations that had already exceeded the 90 day rule. At that time the tickets where null and void and there should be nothing to discuss. I never responded to any correspondence and they have no proof that I received any correspondence. 
# 1- I am again asking that Trans Union remove all XXXX of these collections from my credit report. If they initiate another investigation I am wanting the proof of service supplied to me so the debt can be validated or not. 
# 2- I am requesting that Trans Union indicate on my credit that I am disputing all XXXX of these collections. That is my right as a consumer. 
Thank You
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 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 and XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  report there is a closed account with huge amount of missed payments. BANK OF AMERICA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

Back in XXXX XXXX 2017 I enrolled in online courses with XXXX University 's online division. My financial aid was denied and I was told my classes would be dropped to avoid a charge. One of the classes was never dropped like it should have been and now I am being charged for said class
Product: Mortgage

I would like file a formal complaint against Flagstar banking mortgage loan department. I submitted my application to request a modification on my home loan due to a recent divorce causing me financial hardship. I uploaded all the required documents to the MY LOANS online portal on beginning XX/XX/XXXX and sending in my last documents on XX/XX/XXXX. I received approval and a trial payment agreement that I signed and uploaded to XX/XX/XXXX before the deadline of XX/XX/XXXX. The trial payments began on XX/XX/XXXX and I made all 4 monthly payments with the final payment paid on XX/XX/XXXX on time. I began receiving collection phone calls in late XX/XX/XXXX and over 10 letters some certified mail saying that I owed over 5,000 dollars. I called the first time and was told that was just due to the home modification process. I received a notice early XX/XX/XXXX that my credit score dropped 100 points and I called back in, this is when I was told my modification had been cancelled on XX/XX/XXXX due to my trial agreement paperwork not being returned. I notified the phone agent XXXX   that I had in fact uploaded the paperwork XX/XX/XXXX and she called me back to inform me that my case would be reopened and I would receive final modification paperwork within 15 days. I never received the paperwork and over the course of XX/XX/XXXX I spoke with XXXX twice, XXXX twice who promised to call me back both times and never did, XXXX who gave me unsolicited and incorrect loan counselling advice, and a few other people who did not help. I had been told 3 times that my case was reopened and with underwriting once by XXXX and twice by XXXX before XX/XX/XXXX when I demanded to speak to a supervisor. The supervisor XXXX  spoke with me on XX/XX/XXXX and told me that my case had not been reopened and that the ball has been dropped and my case was still closed meaning my credit was being falsely damaged due to this companiys negligence. I feel that this is some type of ploy to get me to fall delinquent on my loan so Flagstar can foreclose and take possession of my home or possibly an attempt to cause me to owe more than the 1 month pass due balance of XXXX   because the current amount I owe is XXXX because of my case being closed in error putting me 2 additional months behind. I finally received my final modification documents XX/XX/XXXX and the capitalized amount is XXXX which is incorrect because my modification was cancelled back in XX/XX/XXXX due to Flagstars error. I am currently seeking legal advice and I have reached out on online forums to see if any other Flagstar customers have experienced this type of issue. The treatment I have received since my mortgage was transferred to Flagstar is unacceptable and unethical and the ball has been dropped will not suffice as an explanation.
Product: Debt collection

On Thursday XXXX XXXX a message was left on my cell phone. It stated that my husband needed to respond. I called the number that they left XXXX on Friday and spoke to a woman who identified herself as a lawyer by the name of XXXX XXXX. She stated that she was representing Capital One and that we owed {$3300.00}. She knew a lot about us, including our names, my phone number, where my husband used to work, our address and the last 4 digits of our SS # s. She was very believable, but we had no knowledge of this debt. She agreed to take a reduced amount if I paid it immediately. She sent me a form that made me suspicious, supposedly originating in XXXX, Fl when she was calling me from XXXX, IL. I told her I would sign on Monday. I contacted Capital One to make sure there was no debt, they told the card had been paid off years ago and advised me to contact XXXX XXXX XXXX  which directed me here.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with XXXX ( Acct # XXXX ) with XXXX XXXX and Transunion. XXXX conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; Number:XXXX INquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/year>, in response to numerous phone calls, Midland Credit Management ( aka MCM ) was provided a Cease & Desist notice by me. 
On XX/XX/year>, MCM violated the Cease & Desist order by calling my phone at XXXX XXXX  from XXXX XXXX XXXX. This number was verified as that of Midland Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$610.00}, original creditor XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00}, original creditor XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

On XX/XX/year> I was notified by Wellsfargo that internal fraud had occured on my account. I spent hours on the phone and in a brach to resolve. I was told my account was accessed by a fraud IP address and all my accounts were at risk. My checking account, savings account, XXXX, money transfers and credit card had all been hacked. I was told to change all of my online access which I did, I was told to open new checking and savings accounts, which I did. I was told after investigations that the moneys transferred would be returned. The fraud transactions on my XXXX were returned, the credit card transactions were retruned, the debit transactions were returned. All were investigated and determined to be fraud. All of these transactions happened on the same day. However, the monies transferred to my checking ( {$1000.00} & {$900.00} ) were then withdrawn at an ATM. This was also FRAUD. I have never withdrawn money from an ATM in the years I have been a customer. I was in possession of my card the whole time and no one has access but me. This was done in fraud and I would like my money returned.
Product: Credit reporting or other personal consumer reports

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/23 and XXXX additional letters after in regards to not only this issue but many more that is stated in the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what XXXX quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Product: Debt collection

On XX/XX/year> I paid a settlement with XXXX XXXX XXXX, the original Creditor XXXX Original Account Number : XXXX XXXX Account Number : XXXX I paid and complete credit solution promised they would delete it, however the original creditor the defender credit repair put it back on my credit, which is a violation of my rights by the credit reporting agencies. All the proof is attached.
Product: Checking or savings account

Two checking accounts were opened in 2014 at Wells Fargo bank that I did not open they are fraudulent