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

My business ( XXXX XXXX XXXX XXXX ) is in the process of a buildout for a move to a new office location. XXXX is a vendor we've been working with. They are providing several things for our upcoming move. This transaction was related to the lighting for our XXXX XXXX. It is a division of XXXX called XXXX XXXX. My XXXX needed the products within the next couple of weeks so I needed to complete payment so they would ship the product. My contact at XXXX for this part of the project is XXXX XXXX. Also copied on the communication is someone at XXXX named XXXX XXXX. XXXX emailed me on XX/XX/XXXX to send the invoice and see if I had any questions before payment. XXXX minutes later I received another email that appeared to also be from XXXX XXXX. This one had the same display name, logos, and email signature, but apparently was fraudulent. The fraudulent email was even attached to the real email in the same email thread. This email asked to send ACH details. I responded that they could go ahead and send the ACH details, and the next email provided those details. Unfortunately, we did send the full amount, {$51000.00}, by wire transfer. We did not find out about the fraud until Friday, XX/XX/XXXX, when XXXX called our office asking about the payment. 
We have reported this to the XXXX police department, and have also filed it with the FBI at XXXX and have filed a report with the XXXX XXXX. We contacted our bank, XXXX XXXX, immediately when we realized the issue, and our banker tried to recall the funds but since it had been a couple weeks she was unable to recall them. She told us she was contacting the receiving bank, Chase Bank, to see if they can do anything but they could not or would not recover the funds. When I tried to call Chase Bank about this issue I was told they would not discuss it with me and would only communicate with my bank. I feel that since the person committing this crime was using a Chase Bank account to receive the money Chase Bank should be willing to find a way to recover the funds and help us. 

Thank you in advance for anything you may be able to do to help us recover this money. We are not part of one of the big national chains. We are an XXXX XXXX XXXX, so a financial loss of this amount is devastating to us. If there is any additional information that would be helpful do not hesitate to contact me.
Product: Debt collection

Portfolio Recovery has been repeatedly calling me concerning an old debt that was sold to them by XXXX  XXXX, back in XX/XX/XXXX, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/XXXX. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a bankruptcy was placed on my credit report without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report that are both invalid and misleading. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting of my credit information. The items listed below do not meet these standards and must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of accounts on my credit report. This is a clear error and needs to be promptly rectified. In compliance with the law governing accurate credit reporting, it is imperative that these inaccuracies are addressed immediately. Reporting accounts with incorrect balances not only violates legal standards but also harm the integrity of my credit history. 

Specifically, the following accounts are affected : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX. ) XXXX. 


I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to remove the accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account # XXXX listed under Amerassist AR Solution and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do-not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, XXXX XXXX XXXX ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, Transunion keep updated this information, never not once giving me an physical documentation.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed inaccurate accounts. Please remove all fraudulent accounts, they are hindering my score and preventing me from obtaining credit. Thank you
Product: Credit reporting or other personal consumer reports

Account number XXXX XXXX this is a American Express card I didnt give permission to furnish this account this amount is incorrect this is not my account The name on this is incorrect
Product: Student loan

I received this loan in XXXX as a senior in XXXX school. I was told in order to finish my studies and graduate the following semester I had to take out a private loan to meet the difference on my account. At the time, it was not explained to me the difference between fixed and variable interest rates. It wasnt until recently that I was informed that this is why I have not been able to pay off the loan in 16 years. The original amount for the loan was XXXX. To date ( XX/XX/XXXX ) Ive paid XXXX and I still owe XXXX. I pay over {$300.00} faithfully every month to protect my credit and stay on track. Ive been trying to seek help on this account for years. Unfortunately, I believe I was a victim of predatory lending with my student loans as a vulnerable XXXX senior given this variable interest rate. If I was given a fixed rate the loan would have been paid off years ago. I am seeking help and justice as this has heavily impacted my finances over the years. Essentially Ive paid the loan off and some and Im still paying. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is practicing Unfair means to collect a debt. XXXX XXXX XXXX is using two different accounts to numbers on my credit reports. 
XXXX has different account number than XXXX and TransUnion. 

This is clearly inaccurate report. XXXX XXXX XXXX is violating several laws 15 USC 1692F A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 

( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Credit reporting or other personal consumer reports

Upon reviewing my latest consumer report furnished by TRANSUNION. Your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA Permissible Purposes, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Pursuant to the Fair Credit Reporting Act, makes it clear that a consumer reporting agency TRANSUNION in accordance of 15 USC 1681c-2 Block of information resulting from identity theft ( a ) a consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i am continuing to see incorrect information i have reached out to credit bureau with no results. The following information is incorrect bankruptcy courts, XXXX. The followiing inquires XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  visa, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 Transunion Credit Bureau 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 remove the following accounts completely from my Credit Reports : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX
Product: Bank account or service

I had a business checking account with Wells Fargo. On or about XXXX XXXX I deposited {$60000.00} in checks from my customers of which {$15000.00} were returned. The bank on XXXX XXXX put a hold on my account and since than they are not telling me when they will release the balance {$45000.00} in funds. I call every day at XXXX XXXX XXXX and all they say we have no update and we do not know when these funds will be released. I am a small business with payroll and expenses to meet. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Agreed to remove and delete this account from all 3 credit Bureaus upon returning the vehicle. so far they have deleted from transunion, but wont delete it from the other 2 they provide different inaccurate information. In transunion they claimed I opened account on XX/XX/XXXX, On XXXX they claim XX/XX/XXXX. In XX/XX/XXXX they reported to XXXX the account was refinanced, before they reported that the car was reposed, also payment information is in incorrect. They previously reported I was late XXXX now they report XX/XX/XXXX.
Product: Checking or savings account

dealing with a very complex and frustrating situation involving Capital One holding my funds for an extended period despite you providing all the necessary documentation to verify your identity and claim the money. 

Loan Processed : On XX/XX/year>, you received legal funding into your account at Capital One. 
Account Hold & Verification : Capital One placed a hold on my account and required me to provide proof of identity, which I did. Despite complying, they delayed releasing the funds. 
Ongoing Delays : Over the years, I frequently followed up with Capital One, but they continued to cite protocol and didnt release the funds. Eventually, they closed My account. 
Post-Account Closure : After the account closure, I continued to inquire about the funds. Capital One claimed to have sent the money back to the originator, but the loan company confirmed they never received it. 
Recent Admissions : After persistent efforts, including speaking with multiple supervisors, Capital One admitted that they still have the funds. 
Current Complaint : I am now filing a complaint against Capital One for illegally holding {$92000.00}, which has significantly impacted you over the past four years.
Product: Credit reporting or other personal consumer reports

I was forced into marrying my abuser to survive. He is incarcerated for his crimes and I have received help from an agency to try to reclaim my life. I have put a fraud alert on my credit years ago to try to protect myself from more but it hasnt worked. The only official address I have had is XXXX XXXX XXXX, XXXX, NC XXXX and other addresses with my parents over the years. I briefly live at XXXX XXXX XXXX, XXXX, GA XXXX for a seasonal contract job only and I am sending a voided pay stub to prove that, as well. 


As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, proof of address, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

These are the accounts that were made on my social during that time : XXXX - {$760.00} XXXX XXXX - {$350.00} XXXX XXXX - {$11000.00} XXXX XXXX - {$250.00} XXXX XXXX {$340.00} XXXX XXXX XXXX - {$340.00} XXXX XXXX XXXX  - {$310.00} XXXX XXXX XXXXXXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} Inquiries from XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$670.00}, XXXX - {$520.00}
Product: Credit card or prepaid card

On XX/XX/XXXX Synchrony Bank JcPenney card took a double payment from my bank account with auto pay. I have had auto pay set up for over 2 years never had this problem. I called them they said they didnt see it but there system had a glitch in XX/XX/XXXX.  So she gave me a fax number to fax a bank statement so I tried to do that and the number didnt work it was a line to talk to someone. So I called again they gave me another run around. So chase filed a claim and showed them they took 2 payments now Synchrony Bank sends me an email and is charging me double payment and a late fee but they still have one payment that they need to apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX 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
Product: Debt collection

A few years ago, we were patients of XXXX XXXX XXXX. Our dental insurance paid for the services and we paid the remaining co-pay. The XXXX XXXX  completed was substandard and faulty, implants fells off, etc. Several of his patients filed complaints against him to the dental board. Last year, in retaliation, he sent fraudulent bills for services never rendered, and attempted to collect on his fraudulent bills through ULG collection agency and attorney XXXX XXXX. 

We have been receiving repeat calls and letters from ULG Collection Agency XXXX XXXX XXXX XXXX, XXXX. We have told them over the phone and in writing that the collection attempt is fraudulent and the services were not rendered. We have disputed the debt in its entirety. Please see details in the attached letters.

For over one year, we continue to receive phone calls by ULG collection agency and letters by Attorney XXXX XXXX XXXX, despite asking them to stop contacting us.
Product: Mortgage

Please see attached violations and proof within. This loan was instated as a refinance when in fact it was never financed before this XX/XX/XXXX in the name of XXXX XXXX This institution used Predatory lending acts as proven in the following statements acquired from the bank which were provided to me XX/XX/XXXX. This institution is in violation of TILA, RESPA UCR Act. Predatory Lending Act and several FTC Securities violation including usury and finance charges over and above the 36 % allowed by XXXX XXXXXXXX. Illegally created an Escrow then this institution attempted to XXXX me and threatened me with a Cognovit Note which is only to be used in Commercial Banking, and deemed illegal to be presented or attempted to used to defraud a residential consumer within the XXXX, Otherwise referred to as a Confession of Judgment. See attached.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2021, and XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX