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

I sent Bureaus letters last XX/XX/2022 but I didn't receive any responses. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, TransUnion 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 of 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 correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous communications and promises of resolution, the unauthorized charges persist, causing me significant distress and inconvenience. 

I have always trusted your organization to handle my financial matters with utmost care and integrity. However, the repeated occurrence of fraudulent transactions on my account has shattered this trust and left me feeling vulnerable and unsupported. 

I have diligently followed your company 's procedures for reporting and resolving fraudulent activities on my account. Regrettably, each attempt to rectify the situation has been met with temporary fixes or promises that the issue would be thoroughly investigated and resolved, only for the fraudulent charges to reappear on subsequent statements. 

Not only have these unauthorized transactions caused financial strain, but they have also consumed an excessive amount of my time and energy in repeated attempts to address the issue. Moreover, the uncertainty and anxiety surrounding the security of my account have had a profound impact on my overall confidence in your company 's ability to safeguard my interests. 

I demand immediate and decisive action to rectify this situation. I expect a thorough investigation into the root cause of these unauthorized transactions and concrete steps taken to prevent their recurrence in the future. Furthermore, I insist on a full refund of all fraudulent charges incurred, along with appropriate compensation for the inconvenience, stress, and time wasted as a result of this ordeal. 

Please provide me with a detailed plan of action, including timelines for resolution and ongoing updates on the progress made. Restoring my faith in your company 's commitment to customer satisfaction and security is paramount, and I eagerly anticipate your swift response and resolution to this matter. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXXXXXX 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}.
Product: Student loan

No matter how many payments or how high my payments were, my balance remained the same. If I lost a job and asked for help, lower payments, etc it was a circus. I get bills sent, sometimes I do n't. They do not send my tax documents as requested or required and make speaking to anyone for any reason impossible. They have also taken payments without my permission. When I requested forbearance they made it a nightmare and kick me off without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to get a credit card from XXXX..they said that equifax had a freeze .called them 3 days with spending 3 hours or more.they keep transfer me number of timesone said that they would the freeze after 48 hr ... ... called again never removed..some of the no. areXXXX,XXXX,XXXX.andXXXX. and some more ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report a paid off car loan on my credit report as late. I've tried to dispute the transaction thru the credit bureaus and directly with the company but to no avail. The car loan was opened XX/XX/XXXX and paid off in XX/XX/XXXX. The loan was included in my bankruptcy but I kept the car and continued to make payments until I paid it off. I was never late on this loan and it's still reporting as such.
Product: Credit reporting or other personal consumer reports

It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history. As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq. Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq. Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. 16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. I demand that XXXX immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.
Product: Credit card or prepaid card

Somebody stole my information my identity stole my XXXX card I guess and spend up everything I had I guess that's what Bank of America told me everything was fraud I keep showing them gave them police reports did everything under my power and they still deny me when is supposed to be zero liability when all this was fraud they put cars in my name use my XXXX XXXX XXXX  and it's a lot of stuff I'm going through and I showed them all that and they still want to deny my claim and I'm doing the best I can
Product: Mortgage

I have tried numerous times to contact Wells Fargo in ref to an illegal foreclosure. I lost my property XXXX XXXX XXXX XXXX XXXX XXXX XXXX in either XXXX or XXXX. They claimed I never paid my mortgage, lie number 1. Then they claimed my payments went into an escrow account, lie number 2. Then several attempts to apply for a modification which went nowhere. Since then it's my understanding a settlement has been reached and since I have had to move several times since then I still have not received any notice of settlement from from this institution. ( Wells Fargo ) can you help me? XXXX XXXX XXXXXXXX XXXX was their servicing company.
Product: Credit reporting or other personal consumer reports

I am writing to you in the utmost frustration and disappointment regarding an erroneous account that has been consistently reported on my credit file. I am formally disputing this account, which is clearly a result of fraudulent activity. This situation has caused significant damage to my creditworthiness, and I insist on its immediate removal from my credit report. 
Account Information : XXXX XXXX I have attached supporting documents, including affidavits and evidence, which unequivocally prove that I have been a victim of identity theft and that this account is fraudulent. This matter is of grave concern as it has adversely affected my ability to secure credit, obtain housing, and achieve financial stability. It is crucial that you take immediate action to rectify this situation. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and timely resolution of this dispute. According to the FCRA, you have a maximum of 30 days to investigate and respond to my dispute. Any failure to adhere to this timeframe will be seen as a violation of federal law.

Furthermore, I reserve my right to take legal action if this matter is not promptly and properly addressed. I will not hesitate to seek damages for the harm that has been inflicted upon my financial well-being and reputation.
Product: Other financial service

I purchased a money order from XXXX on XXXX XXXX 2015. When I got home I mobile deposited the money order from my phone. When I did so the bank gave me a message reading, " the funds will be put on hold for 5 days '' well I could not wait 5 days so I took the money order back to the store I purchased it from and got my my money back. I knew that the bank was going to charge me for that but after the 5 days they did not charge me. A week or so later I got a letter in the mail from XXXX stating " I cashed a check at XXXX and the check was stamped altered and fictitious '' I called XXXX and talked to XXXX XXXX and she stated I cashed a fictitious check mat XXXX and I need to bring them XXXX. I told XXXX XXXX I never cashed a check there but I bought a money order there, brought it back and cashed it cause I bought it from shop and go. She insisted I cashed a bad check. I told her a check and a money order is XXXX different tools and I gave you the money to get the money order and came back and got my money back so the store did not loose out on Money they never had. The conversation got heated and XXXX XXXX called XXXX XXXX XXXX told him I passed a bad check and I got a call from detective XXXX stating I need to pay XXXX XXXX dollars or I 'm going to get arrested and charged with passing fictitious check. I told XXXX that I did n't cash a check I cashed a money order that I bought with my money how is that a check and how is a money order I purchased with my money that I took back to the same store I purchased it from and got my money back XXXX stated " cause western union took the money out of XXXX account and would not pay them '' I said pay them for what that was a money order not a check. I ended up taking XXXX dollars more of my money to pay XXXX and I had to call western union money order to get my funds back from them. I sent certified receipt money request for to western union money order to get my money back on XXXX XXXX and someone from Western union signed for the mail on XXXX XXXX. When I called western union they stated they do n't have the forms I said someone signed for it on the XXXX. The lady XXXX at Western union told me to fax to her and I said I do n't know what is going on but you all have the paper work and I should n't have to be resending anything you already have it. To make a long story short the money order had a stop payment on it and I did n't put it there and they did n't pay XXXX I did so now I need my XXXX dollars from Western union and they giving me the run around.
Product: Debt collection

On XX/XX/2019, I received 58 missed phone calls from XXXX. I know this is from First National about a convenience store credit card. I am 1 month behind on payments. I told them that I am trying to make payments and I am aware I am behind. 58 phone calls 22 minutes is harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( CREDIT ACCOUNT REPORTED INACCURATELY AND ERRONEOUSLY MUST BE REMOVED IMMEDIATELY ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is breaking federal law Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] The consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( THIS IS MY SEVENTH TIME OVER THIS YEAR TRYING TO RESOLVE THIS ISSUE WITH EXPERIAN, THE OTHER TWO AGENCIES COMPLIED AND DELETED THIS ITEM SO HOW EXPERIAN IS SAYING THIS INFORMATION IS VERIFIED AND CORRECT )? 

On case law XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc., XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX, XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX and case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Systems , Inc. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), child support accounts are not credit transactions and they are judgments.

According to the case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( XXXX XXXX ), judgments are not considered credit transactions, and it is illegal to report them on a credit report.

The inclusion of these accounts on my credit report is a violation of federal law, and it is affecting my LIFE ADVERSELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are things on my consumer report I wasn't aware of and neither did I apply for them to get credit or anything, I've submitted disputes to the company 's 30 days ago none of the creditors have shown proof of debt, these are un-verified debts and I would like them removed from my consumer its been over 30 days.
Product: Credit reporting or other personal consumer reports

I wish that the following items be updated or deleted. This incorrect information are affecting my Credit Record and Score. Please verify the items listed below : XXXXXXXX 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
Product: Credit card or prepaid card

I received a debit card from Bank of America for which I never applied. I destroyed the card. Later in XXXX of 2022, I received a letter from Bank of America informing me that two applications for a XXXX XXXX had been received and one of them was processed while the other was cancelled. 

In XXXX of 2022 I received another letter from Bank of America informing me that I owed {$77.00} on a charge card for which I never applied. As a result, I sent letter to Bank of America informing them that I had no accounts with them. They then responded with phone call during which I spoke with the Debit Fraud Dept and then was transferred to the Check Fraud Dept. I was informed to contact Social Security and spoke with a gentleman who informed me to speak with the police, the FTC and the Internet Crime Complaint website. I am on your site after getting transferred from the FTC site.
Product: Money transfer, virtual currency, or money service

Dear CFPB commissioner, I have contacted you in reference to matter that involves consumer financial protection and the matter of a money order purchased via the MoneyGram company as sold by Walmart. The money order, which is a matter of question involving the late date at which it is being transacted is a matter the company states that they readily resolve and, possibly, with penalty. given the MoneyGram company 's policy, I submitted the information to the company and have anticipated a response from MoneyGram company. <P/>I have waited nearly 15 days, far more than the standard 5 to 7 working days for this matter to be resolved by MoneyGram to no avail. <P/>I have corresponded with MoneyGram to provide proper information, email information though the MoneyGram company has not responded in any manner. <P/>I have forwarded this message to the MoneyGram company and am now awaiting their reply. <P/>in the event that the MoneyGram company has elected to avoid correspondence with me for any reason, I write to you to request your suggestions and to access information in reference to my legal alternatives. <P/>I have a number of creditors and continue to tender debts that are due. I do, however, anticipate tat the MoneyGram company does not engage in policing nor debt collecting for other companies. <P/>I await the response of the Treasury Department in anticipation of lawful remediation prior to looking into resolution by means of any legal recourse. ____ Dear MoneyGram customer Service Representative, In the last few weeks I have made a report to MoneyGram in reference to a MoneyGram order that had been returned to me after it failed to be negotiated. More recently, I corresponded with MoneyGram customer service via WalMArt customer service and Money services. During that time, I was instructed to provide information to MoneyGram in reference to the monety order. <P/>I made an online report to MoneyGram on or near XX/XX/XXXX and XXXX, 2017. <P/>Since that time, I have awaited a reply from the MoneyGram company to no avail. <P/>I write to you to inquire with you as to the actions that may have been or that are expected to be taken by MoneyGram. to respond by forwarding the remaining balance of the money order If there is any further information or any problem that you may need assistance with, I have, also, provided an email address to which your representative may write with an inquiry or information. <P/>I would urgently like to resolve this matter. Email XXXX XXXX Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint pertains to Carmax and the Consumer Reporting Agencies ( CRAs ) XXXX, XXXX, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, Carmax, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities.

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to Carmax and the CRAs ( XXXX, XXXX, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to Carmax and the CRAs for your reference.
Product: Debt collection

I have contact reach out to debt collection as well in accordance with the Fair Credit Reporting Act Account number XXXX well Fargo has been violated my rights 15 U.S.C 1681 section 602 A state I have a 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 instruction also the bank is unable to verify a deposit a missing payment which was discussed to reopen a new account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX  LENDING LLC XXXX Balance : {$18.00} XXXX CREDIT XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXXXXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX