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

To who 'm it may concern, Hello my name is XXXX XXXX. I was a victim of a scam/phishing scam with my U.S Bank account which severely impacted my funds! I have had near {$4500.00} stolen from me via XXXX payments made through my U.S Banking app which I never authorized. I noticed this issue when I deposited money to my account, went to pay my credit card & my card was denied due to lack of funds! At this point I had a bad feeling so I checked my account and noticed my funds were missing. Ok no problem, I've had unusual charges before with XXXX so I call in to U.S Bank & speak with a very nice lady she helps me make claims & re-assures me my money will be returned to me once they investigate. I call back after 10 days of this claim and ask whats going on with it as this is a lot of money, then im informed my case is closed and I lose? how is this a thing. NOBODY from u.s bank contacted me asking me more of the story, nobody allowed me anywhere to fax/email my police report, A screenshot of the phishing email, or anything else to help me with my dispute I have a gut feeling they simply just denied it for the sake of it. I have not had contact with any of the bankers from this bank for anything with my vase and when the guy stated on the phone my case is closed I asked him to please re-open it and give me a designated FAX # Or email address to fwd the email in which I was phished in and also to submit my police report. The gentlemen on the phone responded to those questions I asked stating the following " sorry sir we don't have anywhere you can send these documents to ''. How is this possible? my money was stolen and they aren't even putting a effort forth to help me. Not really sure what else to do no lawyer wants to handle this and U.S bank is refusing any documentation and re looking into this! Thanks claim # XXXX U.S. Bank fraud department # - XXXX attached is the email in which my info was stolen as I researched online I came to found this was the email that stole my info from scammers pretending to be the bank
Product: Debt collection

I wrote to formally ask them to provide proof of my debt in relation to the account with Pentagon Federal Credit Union. I also informed them that the dealership miss represented me when applying for the auto loan. Also the dealership ( XXXX XXXX XXXX has been shut down for the exact reasons. 
Please find the details of the account in question below : Account Number : XXXX Amount Owed : {$35000.00} I request that they confirm the outstanding balance and provide any supporting documentation to verify the debt, including a breakdown of the charges or any other information necessary for my records. 

They did not provide valid proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian two dispute letters and this is my third complaint against this company about an inquiry that is on my credit report, the inquiry in question is XXXX XXXX XXXX XXXX XXXX and the inquiry date is XX/XX/2018. I asked experian to provide me with the original documentation bearing my signature and they keep refusing by telling me that they don’t have to. I contacted the data furnisher that is reporting this inquiry on my credit report and I asked them a few questions, the first question was, how did this inquiry ended up on my credit report and the manager at this business told me that I went there and they ran my credit, the next question I asked them was, is my signature anywhere in any documentation or in any type of application because I know that if I applied in person an application bearing my signature must still be kept in their files and I was told that they do not have my signature anywhere, my last question to them was if they had received any request from Experian asking them to verify the inquiry in question and I was told no, that they have never received anything from Experian. Experian keeps telling me that the data furnisher verified this information twice and that is completely false, this is my last attempt to get this inquiry removed from my credit report, if Experian wants to keep breaking the law and they want to keep ignoring what the FCRA says about permisible purpose being need it in order to do a hard pull on my credit then I will not hesitate to file suit against them in small claims court for defamation of character and I will be seeking $XXXX dollars per every violation that Experian is doing on my credit report. EXPERIAN’s own website says that creditors need permisible purpose from me as the consumer in order to do a hard pull on my credit and that is what I want experian to provide me with, if they can’t provide me with this information then I want this inquiry deleted immediately. Credit reporting agencies and creditors must obey and go by the FCRA rules and Experian is doing the contrary by lying to me and telling me that this inquiry has been verified. I want to see the application where I signed and gave authorization to this business to do a hard pull on my credit, if an application is not available then I want the inquiry deleted immediately.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report without any clear reason. I was just doing my regular check, but out of nowhere, there are discrepancies that shouldn't be there. I even refreshed the browser, hoping it was just an error, but the inquiries remained. Please, thoroughly check the documents Ive provided so this issue can be resolved at once, and I can stop stressing about it.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or releas of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name Furthermore, there are unauthonzed inquines on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

please address this matter prompty and confirm the removal of the disputed entries
Product: Vehicle loan or lease

I used Wells Fargo to finance my car, and Wells Fargo is still using me. 

They charged me for insurance I did not require. The additional charges led to my cars repossession. Without transportation I lost my job. 
I was a part of the class action law suite against WF. To date Ive received XXXX $ from the company. They continue to urge me to cash the checks. The repo alone cost almost XXXX . 

They refuse to communicate with me, and I certainly no longer have the money for a legal advocate. 

Wells Fargo has admitted to using consumers repeatedly. They are still doing it ...
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Debt collection

I have tried disputing with the bureau on several occasions since the account showed up on my report in 2017. I have spoke to representatives who where very rude and would not help me. They only offered to keep disputing the information. Sometimes the conversations would not even go that far. This is not my account as i have mentioned before. I filed a police report ( XXXX ) and submitted to the company. This account being on my credit report is causing me to not be able to obtain credit due to its negative status. I have tried and proved everything on my part and they have done nothing.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the below mentioned account : XXXX XXXX : Ending with XXXX
Product: Debt collection

This debt collection agency ( Fox Collection Center ) reported a person with similar name on my credit file report, then filed a collection on my credit report changing the debt to my address although another address appears on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX With Experian XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Product: Debt collection

I own my own company. Several years ago a relative worked for me. She got several credit cards in my name. She paid them until she got on XXXX   and we fired her. We then found out about these cards and disputed them. She became a XXXX XXXX. 
XXXX XXXX said they would write off and they never called us. 
Then all of a sudddn this portfolio recovery started billing us. They now harass us and we dont owe them. 
Can u please stop them for us.
Product: Debt collection

I XXXX XXXX Request to Cease Reporting to Consumer Reporting Agencies ( CRA ) Pursuant to 15 U.S. Code 1681b Dear, US Bank XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX, I am writing to you today to request that , US Bank ATTN XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX immediately cease reporting information about my credit account ( s ) to any consumer reporting agency ( CRA ), including but not limited to XXXX XXXX XXXX, and XXXX, as authorized by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, a CRA may only furnish a consumer report for a permissible purpose, which includes, among other things, for the purpose of evaluating a consumer 's creditworthiness for a loan or other credit transaction. I have not applied for any new credit or other credit transaction with US Bank XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX, nor have I authorized you to provide information about my credit account ( s ) to any CRA. Therefore, I believe that the continued reporting of information about my credit account ( s ) to CRAs by US Bank ATTN XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX is a violation of the FCRA. I request that you immediately investigate this matter and take the necessary steps to rectify the situation. Please provide me with written confirmation within 30 days of the date of this letter that you have ceased reporting information about my credit account ( s ) to CRAs. Please be advised that if you fail to comply with my request, I will be forced to take further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or initiating a lawsuit against US Bank ATTN XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX for damages and other relief. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In summary, I purchased a flight that was changed once by me then cancelled due to COVID. The travel agency I purchased it from has declined to give me the refund or flight credit I am rightfully due. My bank, Chase, has failed to protect me from this non-delivery of services and failed to resolve my dispute. They say that " too much time has elapsed ''. This is a case of non-delivery of services purchased. Furthur the travel agency is found to be very difficult and stealing refunds from people - I'd expect my credit card and my bank to protect me. Full timelines are in my evidence which was also submitted to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this investigation
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BE REMINDED BY THIS LAW/VIOLATION : Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT XXXX XXXX XXXX
Product: Debt collection

This company is reporting fraudulent and inaccurate information on my credit profile. I have requested they provide me with the purchase agreement to full ownership of the account to make sure its my account. 

Account number ending in XXXX GM Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes XX/XX/2018, Equifax, XXXX, & XXXX has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. 

If a response was sent, can they please be resent?
Product: Debt collection

Based on review of my XXXX Credit Report noted there was an outstanding item of {$57.00}. XXXX Customer Service advised the debt was medical expense and being reported by ARC Management Company. 
Requested to dispute the {$57.00} since no information was provided to verify the debit. 
The {$57.00} is not reported on the other credit reporting bureaus
Product: Money transfer, virtual currency, or money service

The problems I have experienced with MoneyGram have  all taken place over the course of the last week to 10 days. The first incident occurred XX/XX/XXXX. On this date I attempted to send my wife the sum of {$300.00} to XXXX XXXX XXXX. The transaction was processed and I was issued a reference number of XXXX. Before my wife was able to get to a location to receive the money it was canceled by MoneyGram. I spoke with a supervisor named XXXX in the companies XXXX call center who remitted the money to me but when asked why the transaction was canceled he was unable or unwilling to give me any information. At this point I did unfortunately become very rude with the individual. On the same date of XX/XX/XXXX a complaint was filed through the companys web site and I was issued as complaint reference number of XXXX. On XX/XX/XXXX I received and email from the companies Resolutions Assurance Department asking for more information on the incident. Unfortunately the phone numbers associated to the email simply routed me back to the XXXX call center who couldnt even find the complaint number. I returned the above noted email on XX/XX/XXXX and spoke with a supervisor named XXXX again in the XXXX call center who was quite rude and unwilling to help in any way. On XX/XX/XXXX I was permitted to send {$100.00} to my wife. On XX/XX/XXXX I attempted to send {$300.00} to my wife again using MoneyGram services as well as the XXXX to XXXX service ( I  found out later that this service is provided through MoneyGram as well ) both transactions were processed ( reference numbers were XXXX and XXXX respectively ) On the same date of XX/XX/XXXX I spoke with a supervisor named XXXX in the companies call center in XXXX and latter a supervisor named XXXX in the same call center. Both were again unwilling or unable to release any information regarding why the transactions were canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX