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

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX XXXXXXXX involved me making deposits for a total amount of XXXXXXXX USD from my Golden 1 Credit Union account to fraudulent investment firm ( s ).
Product: Mortgage

Hello, we have a mortgage with Wells Fargo for XXXX XXXXears, we also had a XXXX XXXX bankruptcy which didn't include the mortgage, during this process Well Fargo received XXXX from HUD in addition to regular payments, we recently sold the house and WF is claiming we owe XXXX plus the XXXX from HUB, the original house price was XXXX and we have been paying over XXXX a month for XXXX years, approx. XXXX, we asked for an audit to see where all this payments have been applied and we get the run around, we know interest takes a lot of what we paid but it seems that owing more that was we paid originally is a bit much, we want out account to be audited and have no proper direction on how to do this, any assistance would be appreciated.
Product: Debt collection

COLLECTIONS & LEGAL DEPARTMENT XXXX CASE NO : - XXXX OUTSTANDING AMOUNT : - {$800.00} TODAYS SATTELMENT AMOUNT : - {$580.00} Keeps sending emails, that are not addressed to my email nor do the emails have my name on them. States is a communication from, mailto : XXXX I get at least one of these emails once a week
Product: Credit reporting or other personal consumer reports

I filed for a dispute with Experian for my credit within the next couple of minutes they sent information back and said it had been verified The information reported is not accurate so therefore it could not have been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports shows my student loans being 60 days late which does not make sense because usually it goes from 30 days late to 60 to 90. Can this please be fixed. I am not able to have a good credit score do you this. Its on a few of my students Loans
Product: Credit reporting or other personal consumer reports

A company named XXXX has a mission to boost credit. However, they began reporting negatively on my credit reports after canceling my membership with them. This problem started in XX/XX/2023 ; I soon discovered they have no live representatives and can only be contacted through email. After weeks, XXXX finally emailed me and declared that my account had been closed with no late or balance. However, it continued to report late payments into XXXX. I have contacted Experian and XXXX, and they have not resolved this problem. This continuous incorrect reporting adversely affects my credit as it is the only late payment ever. Please help me fix this quickly, as XXXX has wasted months. Listed below is their contact information. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my personal information to open fraud accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have recently discovered unauthorized accounts listed on my credit report that are associated with your agency. After conducting a thorough review of my credit history, I have reason to believe that my personal information has been compromised, resulting in fraudulent activity. As such, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, as a consumer, I have the right to request verification of any alleged debts associated with my name. Section 609 ( a ) ( 1 ) of the FCRA states that " A consumer reporting agency shall, in response to a request by a consumer, provide to the consumer any information in the consumer 's file at the time of the request. '' Therefore, I hereby request that you provide me with detailed documentation and verification of each account, as outlined below : 1. The original creditor 's name and contact information. 
2. The date the alleged debt was incurred. 
3. The nature and purpose of the debt. 
4. Complete payment history and transaction details. 
5. Any agreements or contracts bearing my signature. 

Failure to comply with the verification request within 30 days, as outlined in Section 611 ( a ) ( 1 ) ( A ) of the FCRA, will result in a violation of federal law. In case of non-compliance, I will pursue all available remedies under the FCRA, including but not limited to reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action. 

Furthermore, I request that you immediately cease all collection activities related to the disputed accounts until the verification process is completed. Section 809 ( b ) of the FDCPA states that " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt. '' Additionally, I am invoking my rights under Section 605B of the FCRA, which states that if a consumer submits an identity theft report to a consumer reporting agency and provides a copy to a debt collector, the debt collector must block the reporting of any information relating to the identity theft. I have attached a copy of the identity theft report for your reference. 

I expect a prompt response within 30 days of your receipt of this letter. Please provide all requested documentation and information to me at the address listed above. Failure to comply with these requests will be considered a violation of the FCRA, and appropriate action will be taken. 

Thank you for your immediate attention to this matter. Please ensure that all communication is in writing and sent via certified mail to maintain a clear record of our correspondence. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX has been making withdrawals from my credit card for the past 6 years -- separate annual withdrawals of {$89.00} ( 4 times ) and {$99.00} ( twice ) -- without my knowledge. As the first charge occurred one month after we signed up our kids for local rec league sports in XXXX  I suspect they automatically enrolled us for purposes of charging our credit for these fees.
Product: Credit reporting or other personal consumer reports

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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

This is to follow up in regrads of the repeated failure to remove the fraud items such as the inaccurate personal information and charge off accounts with incorrect balances from my credit report. Despite my diligent efforts and multiple attempts over the previous instances, these inaccuracies persist, severely impacting my financial standing and opportunities.I request compensation for the significant inconvenience, stress, and potential financial harm caused by the presence of these inaccuracies on my credit report. They have adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial well-being.I have provided extensive documentation and evidence supporting the removal of these fraud items yet they continue to my credit history. 
This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms.The following items should be remove as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit report, Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been discriminating against me. XXXX XXXX XXXX XXXX has inaccurate information about my credit and credit report. That has caused the company to deny me for their products and benefits. This is defamation of my character For several years they have been using this information against me as a consumer so they could charge me higher interest rates and make more money off of me. I am well aware that my credit reports are good. This issue is not one with the credit bureaus, the information is stored on XXXX XXXX 's App and not one of the 3 bureaus report this to them. They refuse to update the credit info they have. XXXX XXXX  has tried to push this off on the bureaus.I asked them to check my credit. XXXX XXXX has lied to me for years i know my credit status. I have spoken with supervisors in regards to this and they did not provide me with a good answer. I have been discriminated against enough this not the way to have a good financial relationship. Companies as well as credit reporting agencies are required by law to keep accurate information. This is not acceptable. I qualify just like my caucasian peers do. I want all of my accounts to be adjusted accordingly.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a XXXX Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA XXXX ( XXXX XXXX Code XXXX ) that you, TRANSUNION a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at 1.Identity Theft. XXXX XXXX XXXX Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 2.Validate Account XXXX XXXX XXXX Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 3.Identity Theft. UNKNOWN Account Number:XXXX i dont recall having latepayment on this account 4.Identity Theft. XXXX XXXX XXXX Account Number:XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 5.Identity Theft. XXXX XXXX BANK Account Number:XXXX Please remove it from my credit report. 6.Identity Theft. XXXX CREDIT MANAGEM Account Number:XXXX these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aformentioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are a result of identity theft and fraud.
Product: Debt collection

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$1300.00} ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$410.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX +  {$100.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$54.00} Needs Attention Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

US Bank as of XX/XX/2021 via their own document has NOT correctly accounted Principal Only payments to my loan. In addition when I was attempting to Retitle and Register the vehicle in the State of Florida they refused until at their direction redact my correct address for a Florida address. 
The staff at CFPB did not read my original complaint and the reply from US Bank because the reply was about something totally different and did NOT address my complaint
Product: Debt collection

TRS sent 9 separate letters ( all received on the same day ) requiring me to pay 5 different debts incurred by bounced check or bank transfers to XXXX. They would only accept cashier 's checks or money orders. They were difficult to contact and wouldn't dispute anything over the phone and repeatedly tried to get my bank account, drivers license, and social security numbers " in order for anything to go through ''. XXXX has no record of these charges in their system under my account and I have no bank account attached to my XXXX account and have never paid for anything via check. TRS also listed the debts under my maiden name, which has been updated in XXXX 's system for nearly two years.
Product: Debt collection

i been receipting numerous calls from Mid West Fidelity XXXX XXXX XXXX XXXX XXXX Kansas, they call my cell 2 to 3 times a day, i have no debt with them or anyone for that matter, i try calling them twice they refused to do anything or give any information unless i give them all my personal information, they are rude scammers, they call and call and none give you any details, they want your information to charge with a false debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint AGAIN! because the security freeze has still not been lifted from my consumer report from this company and this is violating my rights and maliciously inhibiting my ability to obtain credit. I would like the security freeze lifted from my consumer report today! Right Now! I included my documents to verify my identity in the complaint I submitted in XXXX and the security freeze is still in effect. I am attaching my drivers license, social security card, utility bill, and Alabama law that states this consumer credit reporting agency has XXXX minutes to lift the security freeze after being put on notice that I would like it permanently removed from my file. This my last attempt to resolve this problem before I take legal action against this company. 


-- -- -- -- -- -- -- -- -- -- -- -Below is Alabama Law -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Alabama Consumers Have the Right to Lift a Security Freeze A consumer reporting agency must authorize the release of your credit report no later than 15 minutes after receiving the above information if the request is by electronic means or by telephone, or no later than three business days when a written request is submitted. A security freeze does not apply to a person or entity, or its affiliates or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance. Unless you are a victim of identity theft with a police report or other official document acceptable to a consumer reporting agency to verify the crimes, or you are 65 years of age or older, a consumer reporting agency has the right to charge you a fee of no more than ten dollars ( {$10.00} ) to place a freeze on your credit report
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well, When I pulled my credit report, I was shocked to find that there are numerous entries on my report that have not been validated or verified. I request the 3 Credit Bureaus to please correct the account from my credit report. Given that I'm in the process of buying a home for my family, this situation is causing significant harm. I kindly request the immediate correction of this account from my credit report : XXXX XXXXXXXX Balance Owed : {$10000.00}.
Product: Debt collection

I received an attempt to collect a debt from ACI, a debt collection company, dated XX/XX/2021 in the amount of {$310.00} The debt states it is from a XXXX account. 

I do NOT have a XXXX account.
Product: Checking or savings account

Bank of America charged associated checking account # XXXX a {$35.00} overdraft fee on XXXX difference in balance due to their manipulation of when items are debited. Bank of America reverses dates and applys debits to the account in a way that would compromise the available funds in the account necessary to cover debited items. 

Enough funds were in my account at the time of my last debit, which was for XXXX. XXXXXXXX XXXX on XX/XX/XXXX. At the time, my card was not declined meaning there was enough money at the time of purchase to cover the debit. 

Somehow I am now charged {$35.00} on {$.00} overdraft somehow. It does not make sense. 

For example, the debit to XXXX XXXX was taken out of my account on XX/XX/XXXX because that is when my car payment was due. Somehow it is now scheduled as a XX/XX/XXXX debit, however, that is not when the money left my account. 

The {$40.00} credited on XX/XX/XXXX was actually credited on XX/XX/XXXX, as I was in XXXX XXXX on XX/XX/XXXX. Since XX/XX/XXXX was a Monday, and I work in XXXX and live in XXXX, I have no reason to be in XXXX XXXX on a week day. 

Bank of America is using tactics to cheat clients, and think all clients must be dumbasses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Transunion several times to remove a credit freeze off my credit report. And they still have yet to do so. I can not handle any business or receive any credit due to this issue I have call on three different occasions and tried over the phone and online XX/XX/19 XX/XX/19 XX/XX/19 could someone please help me resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I recieved a notification that my credit had been pulled. I immediately called the company and they verified that my social security was used for an application that did not match my name or my phone number. They told me they would remove it but they have not done so as of XX/XX/XXXX. I dont know how they allowed an application to go through when it had my social and another person 's name, when asked for my tried to verify me as the applicant they asked for my middle name, but I dont have one, the phone number listed also was not mine. This company has terrible security issues if it allows such things to happen.