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

On XX/XX/2021 I was scammed by someone I meet on snap chat .She told me she was going to give me XXXX just to have my attention. After the funds were available she started being very wired and didnt wan na give me proof that the check was real and really her and wanted me to send her money. So I quickly went to my bank and told them it was a scam. The bank closed my account and been under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : 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 Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA Inquiries : XXXX XXXXXXXX XXXX XX/XX/XXXX Collecons : 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 XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXXnquiries : XXXX XX/XX/XXXX Collecons : 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

I applied for a XXXX XXXX XXXX credit card on XX/XX/XXXX and was denied by Wells Fargo. As per 15 U.S.C. 1691 ( a ) ( 3 ) it's illegal to discriminate against any applicant with respect to any aspect of a credit transaction. I have attempted numerous times in a private setting to resolve these issues with Wells Fargo. I have sent an Adverse Action letter, two ( 2 ) Notice of Default & Opportunities to Cure, and three ( 3 ) Bills of Particulars. All signed by me, notarized and sent via certified USPS, w/ return receipt.

Wells Fargo has been complicit in breaking the law and I have been forced to submit a complaint in AZ District Court. 
On XX/XX/XXXX I will be submitting the complaint, unless Wells Fargo responds to my demands & complies with federal banking & consumer law. 
This is my third CFPB complaint & nothing has been done on Wells Fargo 's end.
Product: Credit reporting or other personal consumer reports

I Am unaware of this debt and i did not have the proper oportunity to dispute this debt however if you believe its mine i would like to request from you de certified receipt with my signature that i received proper notice from 15 USC 16 81 I 5 requieres a debt collector or credit reporting agencies to properly notify a debtor of any debt collection account before reporting it to someone credit file. You may send the certified receipt with my signature that you sent to my current adress
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1100.00} XXXX {$630.00} XXXX XXXX {$10000.00} XXXX XXXX {$1200.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report it is showing a delinquent 30 days late payment for my SYNCB/PPC with account # XXXX however the account wasn't even opened or delinquent for the month of XXXX in 2021. On my XXXX and XXXX credit reports there is no delinquency for that month or date or any 30 day late payment. I am about to go for a mortgage loan and this delinquency that XXXX is deliberately reporting is ruining my credit with this inaccurate information in which I would like this fixed as the payment was on time and the account wasn't even opened then.
Product: Debt collection

Amscot Corporation says I owe {$500.00} on a money order from XXXX XXXX given to me by someone who owed me money. I cashed a {$200.00} Money Order which was fine and then q {$500.00} MONEY Order as well both from XXXX. I'm not responsible for a Money Order that didn't process. I'm a XXXX year old widow with XXXX and I'm barely surviving. I need these people to stop calling me every single day and night.
Product: Credit reporting or other personal consumer reports

There is an XXXX account that I never open or applied for on my Experian and XXXX report. I have reach out to the companies directly and the credit agencies the only agency to respond proper was XXXX XXXX. I have filed a police report and given the person info who I believe stole my identity. 


I am unable to get a home lone because of this one fraud account on my file. 

I need this removed per the FCRA rules. 

I will retain council if this is not investigated and removed.
Product: Credit reporting or other personal consumer reports

Equifax has been putting wrong information on my credit report and is refusing to change them once it has been disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB investigations of the wrong account. I will like XXXX award account not a student loan that was included in the bankruptcy in XXXX the account was open in XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( Transunion, XXXX, XXXXXXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( Transunion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( Transunion, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( TRANSUNION ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( Transunion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( TransUnion and XXXXXXXX XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( Transunion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( Transunion, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here us the Bank of America payments I made. All were before due. The bank lied and said I was late. Never was late. I also paid off the amount. The Bank of America never bothered to report to the 3 credit bureaus! 

This is an ongoing matter. The XXXX scored me badly from XXXX to under XXXX and accused me for not paying on time. XXXX  does have access to my bank! I paid it off!!! The BOA had to send me the rest of my amount from Secured Card. And BOA took the amount on what I owed and it s paid off but both were not reported to XXXX  or others.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened 2 credit cards with Navy Federal Credit Union the first one in XXXX I think and the second once like 2 or 3 months ago. 
Credit cards been in good standards, I always use my credit card no more than XXXX XXXX dollars and I pay it back same billing period. 
The first credit card was increased from XXXX to XXXX 2 or 3 months ago and the second one I was approved for XXXX dollars. 
I just discovered 3 days ago that my credit card disappeared from my online banking without reason. 
I called to the bank and I was told that my credit card was restricted due to and investigation that the bank in doing on my account but without reason, they refused to provide a reason, which I dont understand because my account are and always been in perfect status. 

Also I dont agree that they remove the credit account from my online banking for no reason -my account always been in good standards -fraud was not reported or involved in my account -my checking account is in good standard also -I never been notified of anything that the cause the closure of my account -Also I dont understand the propose of taking out those credit card even restricted from my online banking -I dont understand the propose of not telling me what is going on or what caused an investigation in my accounts if those are my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian illegally tagged XXXX this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Delete the record, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.
Product: Debt collection

Genesis aka Columbia Recovery has again filed a debt collection that was fraudulent. When I called on XX/XX/XXXX, the agent XXXX was very rude and told me my DOB, email and phone number were different than what he had. I explained that was because the woman using my identity is a fraud. I requested a fraud packet which I never received. Today I spoke with XXXX at the company and while he was kind and professional he still could not send a fraud packet while we were on the phone. He informed me there were two accounts in my name, both fraudulent. Both these accounts were removed before from my credit reports after I sent thick certified packets with 13 pieces of information required for a fraud packet. While XXXX acknowledged they received some things from me bith in XXXX when these accounts were opened and recently, the company continues to report a second time these fraudulent accounts. On the XXXX of XXXX the man rudely stated they didn't have two copies of my signature. They do. They have FTC reports, police reports, emails, bills, proof of residency in Texas and home ownership. XXXX stated my photo was " not clear enough ''. Both my Texas driver 's license and passport photos were very clear. They also want separate packets for the two accounts which is ridiculous. Everything will be the same because I am not nor was ever living in XXXX, XXXX  area but have remained in XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : If a Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the credit file. The Bankruptcy XXXX has mailed me letter which states the DO NOT provide any information to Credit reporting agencies, nor do they ever validate and/confirm public records. It is the credit reporting agencies, and/or third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S District court system due to the Fair Credit Reporting Agency PRIVACY LAW. My request to the U.S. District Courts Confirmed lexis nexis has never validated or verified these public records entries on my credit report, neither will they ever by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act Violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANETLY DELETED from my Credit report Immediately. lexis nexis needs to provide me with copies of all documentation associated with these public records bearing a court order to place this information in my credit report with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all information listed under Public Records needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and /or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have Exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, any paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim if you fail to respond within 30 days of receipt of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is falsely reporting inquiries on my credit report. I have contacted the company on numerous occasions on been place on hold for a long period of time for half time. When I have written letters they continuously say that they have verified the information. 

On my credit report is a fraud alert with the following statement since I was an id theft victim : XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX. 


When I see these inquiries pile up on my credit report, I am not convinced Experian is doing their job or have even investigated the matter. I have attached two of the letters that I have sent them. 

This is the last attempt for mediation before I would take them to court for negligence.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a charged-off account that has been reported on my credit report. I am requesting your assistance in resolving this matter as I believe it has not been properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed account are as follows : Creditor Name : XXXX XXXXXXXX XXXX XXXX Amount Charged Off : {$4500.00} I have previously contacted the creditor and/or debt collector directly to request validation of this debt, but I have not received sufficient documentation to confirm its accuracy or legitimacy. Specifically, I am requesting the following information : 1. Proof that the debt belongs to me, including a signed agreement or contract.

2. A detailed breakdown of the amount owed, including the principal, interest, fees, and any payments applied.

3. Evidence that the debt was lawfully charged off and reported to the credit bureaus.

4. Documentation of all communications regarding this account.

The lack of validation not only raises concerns about the accuracy of this charge-off but may also indicate violations of my consumer rights under federal law. 

I am requesting your offices assistance in investigating this matter and ensuring that the creditor or debt collector complies with their obligations. If the debt can not be validated, I request that this charge-off be removed from my credit report and that any associated collection efforts cease immediately. 

Please let me know if additional documentation is required from my side to process this dispute. I appreciate your time and effort in addressing this issue.
Product: Debt collection

Midland Credit made unauthorized payments on my account as shown in my last dispute and I had evidence. I have yet received any of that money back. Also the judgements and paperwork that was sent to an address that is not me and at an address I don't live at in another state. The person that is described in the paperwork is not a description of me I don't know who that is or who address that is. Please remove this debt. The person description given that is described in the documents is not me. I am pretty sure about it. And I don't live at any of the addresses that I provided. I am not caucasian, I don't know who they are talking about or who address that is. Its definitely not mine. I don't even live in GA. I bet if you send me a letter I won't get it, because I don't live in Georgia nor lived at any of the address I provided when you sent those " letters ''. I never even heard of cooling and law.
Product: Debt collection

I have requested a debt validation letter before in writing. This was never received. I contacted company as well.
Product: Credit reporting

I have contacted Transunion multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. There are XXXX Public Records reporting a Release of Tax Lien filed : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I need your assistance in getting this matter resolved and removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I did not open any account on my own volition my information must have been recently leaked or stolen. Please close the account, and remove the inquiry from my account.
Product: Credit reporting or other personal consumer reports

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

US DEPT EDXXXX US DEPT ED XXXX U S DEPT OF EDXXXX US DEPT OF ED XXXX also the next inquiries 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: Debt collection

I am writing to dispute fraudulent accounts recently discovered on my credit report. The following account is unauthorized and damaging to my creditworthiness XXXXXXXX XXXX XXXX
Product: Student loan

I have student loans with Navient and I have not been able to make payments that are affordable. As a result they keep throwing me into forbearance as an option and the loan and finance penalties have ballooned to {$120000.00}. I am scared I will never be able to pay it off.