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

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX Southwest Credit SYS XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX  ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I received a letter from XXXX XXXX XXXX, stating that my account was paid in full which satisfied the account and the account was zeroed out and closed. I have my title to my car which I received in the mail. In the letter it stated that they would notify the credit reporting agencies to update my records to reflect the account satisfied and closed. There are several reports of reports of late payments after this date. I have proof of the injury caused by this negative reporting which was uploaded with this compliant. This was a violation. By these negative reports I was discouraged from applying for other extensions of my credit.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/XXXX. Wellsfargo reported false information on my credit report. This issue was on going all the way until XX/XX/XXXX. Someone from the Home mortgage consultant claimed the issue was revolved. Here it is as of XX/XX/XXXX. How is the same information is reported with something new to the same closed account which been closed for some years saying I own a balance and trying to make resolve an account thats not mines to include this information is reported again on my credit report. The amount owed is {$1800.00}. WellsFargo and they have sold or traded my information to XXXX XXXX and requesting I pay a balance of {$610.00} amount and a balance of {$710.00}.
Product: Credit reporting or other personal consumer reports

All accounts were not invested correctly and still not being handed over 6 months till no response
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from EXPERIAN associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, EXPERIAN has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Debt collection

Company claims to be debt collector was notified thru email of secured party and they are interfering on Trust property Company risk manager stop responding to emails when mentioned that they should have filed certain IRS Forms as the debt is over XXXX dollars an a obligation of the United States I'm filing this complaint and it will be used in the court of law unless they remove the violation immediately as they are not only voilating constitutional rights they have no claim as XXXX XXXX XXXX  is the attorney in fact and Secured party over the United states XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

In   XXXX   2017 I was contacted by phone at my employer in an attempt to collect a student loan debt. I have no student loans and informed the debt collector of that. I verified my middle name does not match that of the debtor they are trying to collect on.
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On  XXXX / XXXX /17 I was informed by my employer that the debt collector had filed a wage garnishment. The paperwork received states it is for an individual with my same first and last name, but with a different SSN, middle initial, and address than me. It appears the only thing the debtor and I have in common are a first and last name.
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The debt collector was informed that I am not the debtor on the  XXXX  2017 phone call and proceeded with an improper wage garnishment.
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The debt collector is Performant Recovery, Inc.   XXXX   XXXX   XXXX  ,  XXXX  , CA  XXXX . The account # is  XXXX .
Product: Other financial service

on XXXX XX/XX/2016 i pay {$4.00} to Equifax to look at my credit report most of the information in the report was incorrect i had to dispute all my dispute is completed i call Equifax on several occasion to cancel the account because i was not seeing a whole lot of information all i was seeing was personal information today is XXXX XX/XX/2016 Equifax is charging me {$19.00} to look at the same personal information i pay {$4.00} for i want a refund reason they are using the business solution price
Product: Consumer Loan

Loan amount was for {$7400.00}. Due date was XX/XX/XXXX. Payment was received on XX/XX/XXXX for {$7400.00}. They are now trying to collect {$73.00}. They are calling the lendee 's work. The company is Boeing Employee 's Credit Union. They were chosen for this car loan by XXXX of XXXX in XXXX Washington
Product: Credit card or prepaid card

I had a credit card and its associated account through Elan Financial Services since XXXX. My issues are with both. 

On XX/XX/XXXX I reported my card as stolen. I requested it be replaced, but to date it has not been replaced despite requesting so through their customer service on at least three occasions. 

On XX/XX/XXXX I was finally told my card would not be replaced because my account had been closed. I did not request my account to be closed, and Elan did not contact me to let me know that I was at risk or that they were taking this action. My credit score has been significantly damaged as a result and so I can not find another credit card company to take my place instead.

On at least three instances ( late XXXX, early XXXX, and summer XXXX ) I attempted to set up automatic payments via Elan 's mobile app or by speaking to a customer service representative. These efforts did not work and automatic payments had not been attempted. I was not notified until months of non-payments went through and hundreds of dollars of late fees had accumulated in two of these instances. The third time I was not notified but did notice by myself.

On numerous instances Elan has withdrawn the funds from my bank account to make payments ( most recently XXXX, XXXX ) just to return them later and claim that the payments did not go through and assess me a significant fee. I have been monitoring these as they happen and in every case, I do have sufficient funds in my bank account and the payment is listed as " posted. '' I do not have these problems with any other credit card company or other service. 

I attempted to reach out to Elan on XX/XX/XXXX to resolve all these matters and more but they have proven unwilling to respond even as I was on the phone with them 20 minutes ago.
Product: Credit reporting or other personal consumer reports

Inquiry on my credit report XXXX inquiry date XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of
Product: Debt collection

I have made several attempts to rectify this to no avail. My identity was compromised and an account on my credit report for a cash advance by the name XXXX XXXX XXXX XXXX of was done without my knowledge and consent. I have no affiliation with this company, past nor present. They are using a collection agency by the name of Ad Astra Recovery Service, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. This item in on all 3 credit reports that was never authorized, and I had no knowledge of. I have filed a complaint with the CFPB and included my theft police report and affidavit. This is still on my report and they never contacted me because I OBVIOUSLY THE CONTACT information that the person used was fake.I also included my POLICE REPORT, affidavit AND REFERENECE # FOR THE FRAUD I PLACED WITH THE FTC TODAY. I want this account removed!
Product: Debt collection

On XX/XX/year> I learned that I have several charges that is showing up on my credit report. I reached out to the police station ( XXXX XXXX XXXX ) who informed me that I would need to do a ftc report and send it to the credit agency I did this and yet they are returning stating these are my charges. I have informed that I am a victim of identity theft and I am able to provide information if needed Bounce AI XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$4000.00} XX/XX/XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$6500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

I was a victim of the XXXX XXXX XXXX and Identity Theft. Transunion keeps allowing fraud accounts to appear on my credit report damaging my credit and mental well being this account they are now allowing to appear on my credit report is XXXX XXXX XXXX {$5700.00} This account is Fraud and Identity Theft and needs to be removed within 4 days per FCRA. Please help me remove this illegal account from my report. I have included all documents for my case including police reports and ftc reports. 



XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Dear TransUnion Dispute Department , I am writing to formally dispute an inaccurate and fraudulent account appearing on my credit report. The account in question, listed under XXXX XXXX XXXX, does not belong to me and appears to be the result of identity theft. I believe that my personal information was compromised due to the XXXX data breach, which has led to unauthorized accounts being opened in my name. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent account from my credit report. The FCRA mandates that credit reporting agencies investigate and correct any inaccurate, incomplete, or unverifiable information. Specifically : 15 U.S.C. 1681i Requires reinvestigation of disputed information and its removal if it can not be verified.

15 U.S.C. 1681c-2 Entitles identity theft victims to request the blocking of fraudulent accounts.

15 U.S.C. 1681s-2 Prohibits the reporting of inaccurate information by furnishers.

As evidence, I have enclosed copies of the following documents : 1. A copy of my government-issued ID.

2. A completed Federal Trade Commission ( FTC ) Identity Theft Report.

3. A police report regarding the identity theft ( if applicable ).

4. Proof of address ( utility bill, bank statement, etc. ).

5. A copy of my credit report highlighting the fraudulent account.

I demand that TransUnion conduct a thorough investigation, remove this fraudulent account from my credit report, and provide me with written confirmation of the results of your investigation within the legally required timeframe of 30 days. Failure to comply with these requirements may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

Please confirm receipt of this dispute and update me on the status of your investigation. I appreciate your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts reporting on my credit file are fraudulent, therefore does not belong to me, I'm profoundly demanding that these accounts be removed, or show just cause ( physical documentation ) inwhich why they should be reporting. I'm also demanding a Method of Verification, and the title of the employee conducting such investigation. I will also like to know the date and time of such, as well as the means of communication via phone, fax, email, mail, etc. 

If this can not be provided then these accounts shall be removed and blocked immediately. 

1 ) XXXX XXXX  XXXX {$5100.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$14000.00} 3 ) XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX {$6900.00} 5 ) XXXX  6 ) XXXX XXXX XXXX XXXX  {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how Equifax, XXXX and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX XXXX, XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

I bank with Wells Fargo and I did a Wells Fargo XXXX transfer on XX/XX/2018. The person I sent the funds to was suppose to do a job for me and never completed it. I asked Wells Fargo to do a claim for the money back. However, they tell me with the terms and conditions they I signed off on it states they are only responsible for the transfer. I would have to press criminal charges against the person to get my money back. Now when I question the presidents office : I asked : You were aware that you were putting your consumers in danger by possibly aiding a theft? He told me he was aware that they were putting there consumers in danger. I still dont have my XXXX back, I feel they are making up excuses as usual. I spoke to XXXX as well and they told me multiple times the bank is responsible for me getting my money back but as usual Wells Fargo takes no responsibility
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent {$2000.00} to myself in XXXX using Sendwave app connected to my bank account. I could not receive the money because there was XXXX dollars available at the time in the whole city After sometime passed sendwave cancelled the transfer. But right before that happened my XXXX XXXX  at the time XXXX closed my bank account for an unrelated reason. So the refund never reached my bank because the account had already closed down. 

I talked to send wave and they insist that they sent out the refund. I told them that the account had closed down. They dont want to give me my refund. 
They refunded me the fees from that transaction by check form for {$14.00}.. That is all they have given me and rthis appears to have been a consent order from CFPB. It is called RE : Chime , Inc. d/b/a Sendwave, File No. 2023-CFPB-0012. They send me {$14.00} only. I want my {$2000.00} refund please. The bank says they had closed so they do not have the money and never received it. Sendwave says it was sent. Meanwhile I am out of {$2000.00}. I want my money back. Please help me get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/16, XX/XX/16, and XX/XX/16. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting to the Credit Grantors old erroneous information to my creditors that is negatively affecting my credit in violation of the FCRA. 

They recently on XX/XX/XXXX sent a notice to XXXX that I had a collection/delinquency when I have no new delinquency or collection since the CHapter XXXX I have is exactly 5 years old since discharged. 

THere is nothing negative on my credit file since the filing on XX/XX/XXXX over 5 years ago. 

They are violating my rights and ruining my credit worthiness and bringing down my credit scores with false and erroneous data.
Product: Credit card or prepaid card

My credit cards ending in XXXX and XXXX was compromised somehow and multiple charges were made without my knowledge or consent. I did have the card in my possession but did not make any charges. I did not know my card was being used until I got and alert from Regions fraud department. Here are some of the fraudulent charges listed below. 
XXXX XXXX XXXX XX/XX/2022 {$51.00} XXXX XXXX XXXX XX/XX/2022 {$47.00} XXXX XXXX XXXX XX/XX/2022 {$46.00} XXXX XXXX XXXXXX/XX/2022 {$170.00} XXXX XXXXXX/XX/2022 {$110.00} XXXX Outlet XX/XX/2022 {$65.00} XXXX XXXX XXXX XX/XX/2022 {$26.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$24.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$95.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$28.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$48.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$14.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$48.00} XXXX XXXX XXXX XX/XX/2022 {$11.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$29.00} Multiple XXXX XXXX XXXX charges totaling {$430.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 {$68.00} XXXX XXXX XXXX XX/XX/2022 {$43.00} XXXX XX/XX/2022 {$89.00} XXXX XXXXXX/XX/2022 {$95.00} XXXX XX/XX/2022 {$50.00} XXXX XXXXXX/XX/2022 {$180.00} XXXX XXXX XXXX XXXXXX/XX/2022 {$25.00} XXXX XXXX XXXXXX/XX/2022 {$83.00} XXXX XXXX XXXXXX/XX/2022 {$83.00} XXXX XXXX XXXXXX/XX/2022 {$66.00} XXXX XXXX XX/XX/2022 {$66.00} XXXX XXXX XXXXXX/XX/2022 {$67.00} XXXX XXXX XXXXXX/XX/XXXX {$59.00} XXXX XXXX XXXXXX/XX/2022 {$59.00} XXXX XXXX XXXXXX/XX/2022 {$48.00} XXXX XXXX XXXX XX/XX/2022 {$29.00} XXXX XXXX XXXXXX/XX/2022 {$52.00} XXXX XXXX XXXXXXXX XX/XX/2022 {$28.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$82.00}
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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
Product: Debt collection

A rental property named XXXX XXXX which is owned by XXXX, has charged {$270.00} to my collection account from a 2023 move -out inspection. I have never lived at this nor have I been a resident at this property. I have sent proof of my lease agreement and rental insurance for another property I was living at during the time they say I owe for. They said Im being charged for a move out inspection but I have never live there nor signed a lease. Ive never even toured the property.
Product: Mortgage

We have recently refinanced our home through eagle home mortgage. We used them when we first bought our home in XX/XX/2018 and our mortgage was transferred to a company called XXXX XXXX XXXX. Eagle home mortgage let us know that since it was tax season that our taxes would not get taken out of our escrow account but we would have to pay this up front which would require us to pay out of pocket over {$8000.00} but in doing so we would receive our total escrow balance which was around {$5500.00}. We made this very clear with eagle home mortgage since this was a lot of money we would have to pay out of pocket that we would need back. They reassured us that it would be fine and we would receive the {$5500.00}. We finally got the check from XXXX XXXX  XXXX today for a total of {$1200.00}. I have reached out to Eagle home mortgage today by email as well as XXXX XXXX XXXX and awaiting their reply.