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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$2000.00} has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Personal Statement 15 U.S. Code 1681c-2 This is my personal statment : All accounts listed below have be reported without my expressed written concent and therefore need to be removed as a result of idenity theft and must be removed.. These accound are not related to any transactions made by me the consumer : Fraudulent acconts : XXXX XXXX XXXX : Acct XXXX XXXX XXXX XXXX : Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX
Product: Mortgage

I am filing this complaint because Shellpoint Mortgage Servicing, through its attorney XXXX XXXX XXXX, issued a notice of a postponed foreclosure sale scheduled for XX/XX/year>. This is despite my official approval under HUDs XXXX XXXX XXXX, with foreclosure protections effective XX/XX/year>. I called Shellpoint on XX/XX/year>, at XXXX XXXX CDT, and the representative confirmed no foreclosure sale is scheduled in their system. I sent formal letters to Shellpoint and the attorney, and I contacted HUD for help. The conflicting information and continued foreclosure actions are causing distress and may violate federal servicing rules and HUD protections. I am asking for federal intervention to stop any improper foreclosure activity and enforce compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two ( 2 ) applications for credit fraudulently using my name were submitted to XXXX by : 1 ) US Bank and 2 ) Elan Financial during XX/XX/2019. The person committing the fraud used a 10 year old previous address. I was called by US Bank as they were suspicious of the old address. I confirmed I did not apply for credit with US Bank and Elan Financial. They told me they would : 1 ) cancel both credit applications, and 2 ) advise XXXX to remove the inquiries from my Credit Report. I wrote to both XXXX and US Bank/Elan   formally requesting removal of the hard inquiries twice. They have NOT removed the fraudulent hard credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER!
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S.C. 1681b section 2 - XXXX  XXXX Bankruptcy # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights -15 U.S.C. 1681 section 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it 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 giving 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
Product: Debt collection

XXXX XXXX, sold me a plan for service on XX/XX/year> confirmation. The monthly payment was to be {$52.00}. XXXX XXXX determined I needed more data and upt the amount without my authority. I contacted XXXX XXXX and opted out of the plan. On XX/XX/year> I again contacted XXXX XXXX. I have filed a couple of complaints with the XXXX with all the attachments. Complaint XXXX XXXX # : XXXX. I was advised to file another complaint with this entity and with the FTC, I intend to do so. 

XXXX XXXX has insisted on collecting money I do not owe and has harassed me via telephone, US mail and email and made negative reports to all three credit companies. They have sent my account to a collection entity. I have reached out the the collection entity but have not heard back from them.
Product: Debt collection

There is an account purchased by a company called Rash Curtis & Associates from XXXX. I disputed this item with both the original creditor and the collection agency. This account was opened in my name fraudulently. When the company verified this account, there was no association to my social security number, driver 's license, or address. It just has a name that is close to mine. This company is refusing to follow the laws by removing this unverifiable, fraudulent account. I have contacted the original creditor, XXXX, and XXXX, said that there is no account opened using my personal identifying information. This account was opened in a different state and an address that I never lived in. The only thing that links this account to me, is a similar name. The person who opened this account has the same first and middle name as me, but a different last name. I sent this company and the original creditor proof of my residence at the time that this account was opened, a fraud affidavit and a dispute letter stating that this account was opened by identity theft. They are refusing to close this account and to stop reporting this account on my credit report. According to the original creditor, this account was opened and defaulted in XX/XX/XXXX. They are reporting this account as opened in XX/XX/XXXX to attempt to re-age this account. I have disputed this account with this company several times, explaining that this is not mine and since insist that my personal info was used to get this account, I filed a police report. I am preparing myself to bring civil charges against this company. I meet with an attorney tomorrow because they have violated the law and have caused me to be denied credit for a refinance which has caused me a financial hardship. I plan to bring suit to this company. I recently presented this information to the bureaus and am awaiting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, XXXX has repeatedly violated the THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] concerning a fraudulent account being reported on my XXXX   Credit Report titled " SunTrust Personal MA ''. 

XXXX has refused to perform actual investigations. XXXX  has refused our requests for a detailed breakdown of their " investigation '' as per the FCRA multiple times. And XXXX has hurt myself and my family financially because this. 

XXXX has continues to address this matter, and the XXXX   phone representatives have repeatedly hanged up on myself over the phone. 

I have provided all the documentation XXXX have demanded multiple times these past two years. XXXX refuses to address this as well. 

In CFPB Case # XXXX XXXX even attempted to dodge responsibility by pretending they were not aware the CONSUMER Financial PROTECTON Bureau has the legal authority to represent us in this matter. But even worse, the CFPB Staff Member in charge of our case allowed them to and closed the case without any resolution. 

This illegal behavior on behalf of XXXX has crippled my family financially. And the CFPB has not only allowed it, but has ignored our complaints about your failure to help us consumers with my Congressman XXXX XXXX. If the CFPB refuses to begin address this matter on behalf of us American Consumer we will hold the CFPB for our continuing situation and the pain and suffering it is causing us. 


Ps. 
We have sent all the requested documentation XXXX  's Staff requested in CFPB Case # XXXX multiple times these past two years. We have granted XXXX permission for both the CFPB and our Congressman XXXX XXXX multiple these past two years. 

However, once again as manipulative as XXXX XXXX  employee was trying to be the American Consumer Financial Protection Bureau is not only legally allowed to communicate with Credit Bureaus on these matters, but in fact was established by the American Government on XX/XX/2011 for this very purpose. The CFPB Staff member addressing this new case is therefore not to accept that illegal excuse on XXXX XXXX part as a reason not to address this matter.
Product: Debt collection

Transworld System Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This made me anxious because this might have an effect on my further credit transaction and so. I want this to be fixed.
Product: Money transfer, virtual currency, or money service

I paid through friends and family on pay pal to a XXXX XXXX on XXXX but XXXX XXXX on pay pal for concert tickets to a sold out breaking XXXX XXXX in XXXX Arkansas on XX/XX/XXXX that she never delivered digitaly like she said she would. I sent {$55.00} dollars plus Paypal collected. XXXX $ in fees.
Product: Credit reporting or other personal consumer reports

The Following Inquiries have been added to My Transunion Consumer Report in the Month of XXXX for which the Consumer Has Absolutely No Knowledge. All of the Hard Inquires listed below presume to be from Fraudulent counts of Identity Theft ( see Police Report ) and go against FCRA 's Consumer Rights Provisions! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I sent a Notice of Dispute - Inaccuracies on XXXXXXXX XXXX letter on XX/XX/year>. I sent a copy of my bank statement and driver 's license. EQUIFAX sent me a letter stating we could not locate a credit file in our database with the identification information I provided. 

These accounts on my consumer report are inaccurate.
Product: Money transfer, virtual currency, or money service

My phone was stolen and and my boyfriend phone was stolen and someone was transferring money from my account and they kept saying they couldnt send my money back after I even was talking to customer service and sent them the police report
Product: Credit reporting or other personal consumer reports

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with EXPERIAN. Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C.

Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX  to support this complaint.
Product: Money transfer, virtual currency, or money service

WELLS FARGO BANK is involved in security fraud. Ive submitted a multiple security exchange or negotiable instrument in order to discharge the account, the bank deposit the security in to the treasury department and create a fake account under my name without my knowledge and listed the bank as the beneficiary of the account.theyve keeping the funds and refusing to credit my account. They waited until I went I vacation sent a third party to steal my private property and forced me to send them more money on top of the funds that were in the bank bookkeeping. 
This scam has been going on for quite sometime, it is thief and crime against humanity and violation against the law. It is time for Wells Fargo bank to shut down.
Product: Debt collection

I reached out to RS clark and Associate for information about the account that they say I owe for a contract or information where I opened the account. However they never contact me back. I have never had an account nor contract with this company ever.
Product: Credit card or prepaid card

GoodYear account was opened with identity theft. Fraud alert and credit freeze was placed on XXXX, XXXX and XXXX. I tried to call the number on the credit that came in the mail and I am not able to speak to anyone in English. The phone number XXXX will ONLY connect to XXXX  speaking and when asked to be transferred to Fraud Department and speak to someone in English the call is disconnected on multiple occasions. 

I received a letter in the mail on XX/XX/2023 from the Citibank Early Warning XXXX XXXX XXXX XXXX XXXX, SD XXXX regarding Re : Application Number XXXX with a phone number for the Fraud Verification Unit XXXX when I called there again very broken English and the woman refused to transfer me to upper management and/or someone else so that I resolve this. She refused to provide her ID number in order for me to cancel the credit card and for me to report that it was a fraudulent account. The woman only gave me a first name XXXX. She demanded my personal information and social security information that I refused to give her in order to cancel the card. The card was NOT opened by me and there is a XXXXXXXX XXXX limit on it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX What happened : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , The XXXX credit reporting agency , The XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a rental debt collection account opened from XX/XX/XXXX under account number XXXX that appears related to the aforementioned. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by each of your credit bureaus ; which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by your credit bureaus were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will list several fraudulent hard inquires that I have on my credit report. I will please like to have these hard inquires removed since I didnt authorized them. I placed a freeze on my account but it was accessed via a mobile device without my knowledge, I now have a pin in place. I still receive mail at an address listed on my credit report that I no longer reside at, and a relative of mine does. I do know who attempted to open these account and I will take the proper legal right to address the issue. I do not wish to place a fraud alert on my account since Ive changed my account pin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX. The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my XXXX XXXX XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and XXXX there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXX  still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency
Product: Debt collection

This is not my account. I never had an account with XXXX or Bounce. During this time I also had another account opened in my name and is fraud. This needs to be removed from my credit report and furthermore, find out who did this and charge them. 

Contact Info XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Phone Number ( XXXX ) XXXX Account Info Account NameBOUNCE AI INC Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$13000.00} past due as of XXXX XXXX. 
Status UpdatedSep XXXX Balance {$13000.00} Balance XXXX Recent Payment- Monthly Payment- Original Balance {$13000.00} Highest Balance- XXXX Months On Record XXXX XXXX
Product: Debt collection

Reached out and submitted complaint to SW Credit Systems Sent letter ( which Is attached ) requesting back up. 
Rec 'd XXXX XXXX XXXX bills for a service Bill ( which is attached ) is not my phone number XXXX not sure whos number this is. I do not have XXXX XXXX XXXX as a carrier for my service. 
This is clearly a mix up and not my charge. 
The amount is {$830.00} Either send a signed contract with my signature of this cell phone number or remove from my credit reports
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found onmy credit report. The following information is NOT ME and I have NO RELATIONSHIP to it.Please remove the following information from my credit report immediately- If you continueto report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRAregulations. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Payday loan, title loan, or personal loan

Ive paid more than what I borrowed and want this loan to be closed and paid in full
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for over two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Credit Karma Tax to file my taxes for 2018. They misled me by making me omit an important tax form that caused me to owe more than I reported ( {$7000.00} including penalties ). This was the first time I received payments as a consultant and wasn't sure how to process it. I wasn't aware I needed to upload this form because they didn't ask me about it like my previous tax preparing software did ( XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with BECU. I have never been late on the payment but I just found out I have a 30 day late showing up on my credit for XX/XX/2020. I use bill pay to make my payments, and I've attached 2 bank statements to show the payment history for each month since I bought the car. Every month, I transfer the payment of {$320.00} from XXXX XXXX XXXX XXXX to BECU and my payments are processed. The payments are due on the XXXX of each month and I've never been 30 days late. Can you please investigate this for me and advise me of the results? My credit has no blemishes on it other than the BECU late payment, which is erroneous and I am hopeful you can clear it up for me. I am trying to refinance and this is really hurting my loan. BECU account # is XXXX. Please let me know if you need any additional information. Thank you, XXXX XXXX
Product: Debt or credit management

Charging way to much and we didnt get the services we were told we would get
Product: Consumer Loan

unaccurate, not correct calulation, bad on math anyway u want to call it. this is for santander XXXX financing my car case number # XXXX my email XXXXXXXXXXXX OR XXXXXXXXXXXX cell XXXX XXXX XXXX
Product: Debt collection

The amount they are requesting I owe is the balance remaining of {$460.00}. The company I have an account with has been paid in full from the date I was approved for the service. I have no idea how this collection company received this information. This service I required was a requirement to complete my application in underwriting in order to close on the asset I was purchasing.