23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, AND TRANSUNION for failure to report information in compliance with the Fair Credit Reporting Act ( XXXX  ) and the XXXX XXXX reporting standards established by the XXXX XXXX XXXX XXXX ( XXXX ). Under XXXX XXXX. XXXX ( a ), data furnishers are required to provide accurate and complete information. However, the entity in question has reported inaccurate, incomplete, or unverifiable information on my credit report, violating these standards. 

Despite my dispute, the information remains unchanged, and the furnisher has failed to provide proper verification. Under XXXX XXXX. XXXX ( a ), credit reporting agencies must investigate and correct errors within XXXX  days. This failure to comply directly impacts my creditworthiness and financial stability.
Product: Debt collection

I recieved a loan from my bank this past month to pay off all debts. XXXX XXXX XXXX excepted and closed my account as well as XXXX. Diversified consultants inc. Returned a bank issued check TWICE to a debt that I know is not mine, never had XXXX. They want to all of a sudden come up with a XXXX$ ammount being owed from a place I never did buisness with and now after failing to except TWO bank issued checks and numerous attempts to get this off my credit report nothing has been done. They say this debt is 3yrs11months old. I NEVER HAD XXXX. And they do nothing to resolve this. As I stated for credit reasons my bank sent them 2 checks on my behalf they declined on. Like they don't want to take my money. Which is good because it's not my debt, but when I call they sure want my credit card info. They keep disputing my disputes, I've seen NO proof this is even a valid debt, because its not. I just want them off my credit report and to stop scamming people. Thank you
Product: Debt collection

{ XXXX } { XXXX } { XXXX XXXX XXXX XXXX XXXX } XXXX XX/XX/XXXX { XXXX XXXX } XX/XX/XXXX { XXXX XXXX XXXX XXXX XXXX XXXX { } XXXX at XXXX XXXX XXXX, XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

{ XXXX XXXX XXXX ; Collection {$200.00} Inquiries : XXXX XXXX Inquiries : XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, { XXXX XXXX } Enclosures Proof of identity Trafficking documentation
Product: Debt collection

For several months now I have tried to have XXXX XXXX XXXX confirm with me that there was a signed contract for two debts they claim I have. They will delete and/or close the accounts for a short time only to open it again with a different start date each time. One debt is for {$1200.00} and the other is {$570.00}. Each time they remove and replace it into collection it damages my credit more and more. I do not believe I am responsible for these debts as I have not been shown proof I signed a contract with them for these said debts and they came out of nowhere without a fare warning or a letter.
Product: Checking or savings account

I am having a terrible experience with Citibank after being locked out of my account and they are unable to verify me with their ridiculous policies of verification, they need to verify my number on some public record, and I do not have one. I am not a XXXXXXXX XXXX  nor am I a XXXX  so that's why there isn't any publicly available records with my number. So now I am locked out of my account with no access to my funds and of course no help from Citi. 

XXXX opened an account in branch with Citibank XXXX XXXX XXXX XXXX XXXX 
-Signed up for online banking at the branch ( XXXX XXXX XXXX XXXX ) -Made a deposit before leaving the branch ( XXXX XXXX XXXX XXXX XXXX  -Enrolled for online Wire Transfers XXXX XXXX XXXX XXXX XXXX XXXX -Initiated a Wire Transfer for {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX -Tried logging in the XXXX but saw an error during login XXXX XXXX XXXX XXXX XXXX XXXX XXXXBegan calling to speak to agents to resolve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -After 3 hours of being transferred around finally spoke to someone that can help XXXX XXXX XXXX XXXX XXXX XXXX  -Agent tells me the only way to verify account is to find my number in a public record XXXX XXXX XXXX XXXXXX/XX/2024 ) Its not been more than 15 hours and I constantly keep calling, but not positive response and agents keep hanging up on me. I am pleading with them but they don't even care. I am really hoping you guys can assist me.
Product: Credit card or prepaid card

XXXX XXXX XXXX never disclosed my account would be serviced by Tidewater Financial Corporation. I did not receive disclosures per TILA that after my down payment, that I would be charged a 35 percent interest rate by Tide Water. I would have never agreed to that. My credit score was mid 600 's. So after I purchase there, and they reported my purchase to credit bureau as a maxed out card, it dropped my credit score 109 points immediately. That way they would be justified in charging a 35percent interest rate. I have been paying since 2017 on a XXXX dollar charge. They pyramid fees and don't count your extra payment. If my payment is XXXX and I pay XXXX they take it all in interest. Please help to protect other hard working Americans. They outsource and you can't get a clear answer from customer service. They will tell you a lower payment is due, so they can compile interest and fees. I should not still be paying on this from 2017!!
Product: Debt collection

I have received repeated calls at work and on my personal phone number from XXXX XXXX and XXXX XXXX claiming they are attorneys who are attempting to sue me because I will not pay a debt they say I owe. I have repeatedly asked for written correspondence for the debt and have never received it. I have repeatedly asked them not to call me at work and to not call me personal phone either, yet they continue to call. Today, XXXX/XXXX/19, they attempted to call my work and called the CEO 's office and told them they were trying to track me down for a criminal matter. I received the attached email from our HR department who received a call from the CEO 's office stating what XXXX XXXX said to them. Every time they call, they call from XXXX, which is the number for D. Scott Carruthers a debt collection firm. I want these phone calls to stop now! They are obviously trying to get me fired or this is some kind of scam. If this was legitimate debt collection they would obey the laws and send me something in writing and would also stop the phone calls when told to do so. I don't owe them anything that I know of and they refuse to send me anything in writing.
Product: Money transfer, virtual currency, or money service

My landlord uses Cash App, but I dont generally use this app. The landlord paid me {$50.00} for an air conditioning unit, via Cash App. I tried to withdraw the funds to my linked bank account, but the withdrawal would not work. When I contacted Cash App customer service, I was told that the debit card through my bank is not supported and that I should use a different debit card ( though prepaid debit cards are not supported ). I told them I dont have a different debit card, and the customer support said I am unable to manually override this, please link a different XXXX  XXXX or XXXX debit card. Again, I dont have a different debit card. They said I can assure you this is the best course of action. They gave me no information to access the funds. I need to withdraw them, and can not access them.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ( Original Creditor : ) XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent. They were opened/used without my permission. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 

These accounts are reporting to my credit and I do not recognize them. Beyond these facts I do not have any other information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ...
Product: Student loan

I applied for the SAVE plan to help manage my student loans in an income driven manner. The SAVE plan was paused with the new court rulings. I received an email form my servicer MOHELA who said that my loans would be placed in forbearance with 0 % interest until this IDR plan issue was figured out by the government. I then received an email from MOHELA a few days ago saying that my loans are still accruing interest. My complaint is why send this conflicting information, cause me to gain interest without anything in place to help manage this issue AND without any clarification.
Product: Credit card

Scheduled a payment online on XXXX XXXX to be taken out of my checking account. 
The payment was due on XXXX XXXX, the payment was not taken out of my account until Monday XXXX and Citi Bank XXXX card charged me {$48.00} interest charge.
Product: Vehicle loan or lease

I had a loan through Wells Fargo auto from around XXXX. I never missed a payment on it until covid hit. I started working for myself in XXXX and after the stay at ho.e orders and everything else going on, I lost a lot of business due to uncertainty with customers. ( I do XXXX XXXX ). I would make my payments over the phone. I requested a deferment and received one. And then requested another one after that. I was confused because I got conflicting answers about whether it was approved or not. After awhile I started to pick a little work and was trying to make a payment on my truck and the phone service wouldn't allow.me to because apparently my account was closed or something. I would try calling them on the phone but they don't have a voice messaging system.I have proof on video of multiple attempts to try to reach them. I went into a wells Fargo branch and they said they couldn't help me because they are separate entities. Later on I had a tow truck guy try to take my truck out of my parent 's driveway, I convinced him not to. I talked to the bank after this and they said my loan was defaulted and I had to pay in full or it would be repossessed. The full loan amount was around {$18000.00} and I owed about {$4400.00} when they said it defaulted. I borrowed money from my mother and friend to pay it off but was told that their " system was down '' .after more back and forth another tow guy showed up and took it and I had given up at that point. They didn't let me get my personal belongings out of it and they auctioned it off for {$2100.00} in a private auction. The XXXX XXXX value was {$10000.00}. And it was in very good condition, I had just put a lot of work into it. I requested receipts of all of my payments and the auction information around XXXX XXXX XXXX and never received a response. I finally got a letter a month ago saying the remaining debt was canceled but nothing else. Wells Fargo also closed my savings and checking accounts after I requested a fraud investigation ( twice ) and never got a response from them. Just phone calls of them telling me I owe them money. They have ruined my entire life at this point. There is more to this story and I have a lot of evidence from all of my claims. I haven't been able to afford an attorney or even the down payment for one to declare bankruptcy. I hope I hear back from someone because Wells Fargo turned my life upside down and they need to be held accountable. Thank you for reading my complaint. I'm glad to know I am not the only one this has happened to and I know others have had it worse like losing their home, luckily my parents have let me stay with them throughout this whole mess.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the
Product: Checking or savings account

I made 3 charges on XX/XX/2022 XXXX XXXX fil a {$69.00} XXXX XXXX XXXX a {$46.00} XXXX {$220.00} These charges were canceled by the merchant and refunded instantly. My bank charged me and did not release the refund the authorization expired instead of being put back it just canceled out to zero. My account was drew into the negative and then they refunded the money they owed me. Theres no account transaction history showing this nor does my back statement show this activity under the bank security act its illegal to not have detailed transaction history for each checking and savings account for 5 years minimum after information is obtained they keep deceiving me and misleading me telling me the funds were returned on XX/XX/2022 also XX/XX/2022 also XX/XX/2022 none of this is XXXX correct because they didnt Return the money to me I have proof and at this point theyre putting me through unnecessary hardships. I want my money back immediately! I also want compensation for the financial hardship Ive endured
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX Equifax Information Services, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Consumer Financial Protection Bureau FTC Online Dispute Processing XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX At this time, I ask that any fraud alert that exists on my credit bureau to be lifted at once. I never requested one, and it was placed by a third-party without my complete approval and authorization. Please remove at once. 

I am at this time requesting my free annual copy of my credit report as mandated by the Fair and Accurate Credit Reporting AcXXXX. 

Please send my free credit report to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX XXXX : XX/XX/XXXX Thank you for your cooperation and consideration in this matter. 

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

I have been in close communication with XXXX XXXX regarding the reporting and detailed erroneous information that has been applied to my personal credit report for Trans Union, XXXX, and XXXX. I have received written information from XXXX XXXX stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with Trans Union, XXXX, and XXXX to have these accounts removed from my report as the information is no longer valid. Trans Union, XXXX, and XXXX   completed the dispute within 10-15 days by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by Trans Union, XXXX, and XXXX within this amount of time and this resolution is completely inaccurate.
Product: Credit reporting or other personal consumer reports

I've found several companies that they're violated f c r a consumer laws reporting inaccurate information as well as Some information there has been Furnished, without my consent. In written permission, this is the greatest form of identity. Theft, these items listed in my documents, which will be found in the attachment. Shall be deleted immediately from each and every File.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a number of items on my report that are not mine. This is definitely fraud so I contacted the police locally and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these inquiries are not mine either : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm disputing this account ( 1 ) XXXX XXXX XXXX  and asking that it be blocked from my credit report due to the fact it is not mines. I have been a victim and now my credit has been compromised. If you the reporting agency can not show physical certified documentation of such then as stated within the FCRA this account shall be blocked and permanently removed from my account. I do not have nor have I ever had an contact with XXXX XXXX XXXX, and if this company purchased such debt from an unknown and unauthorized creditor then that contract shall automatically become void. No debt owed. But in this instant matter either account is mines no way. So I'm demanding that this account be blocked immediately and permanently from my records. Section 609 & 611 can be applied to this. However, I also would like the credit agencies detailed Method Of Verification in the handling of this account. Who did your company communicate with, what was their title, what day and time did this take place, and what certified documents were presented and when was the consumer given the opportunity to verify this. Please either provide in detail or block this account.
Product: Credit card or prepaid card

In XX/XX/2023, I was sent a Bj 's One, Capital One credit card. I never request this card. I never activated this card. 

In XXXX or XXXX, I was sent a bill for my BJs membership renewal from Capital One. They took it upon themselves to activate this credit card without my permission. 

I have since called the company. I paid the membership fee. They waived the late fee that I was assessed and my account is now closed. 

I am filing this complaint to make you aware of a practice of opening credit cards without the consent of the consumer. I am aware that this may have on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The following accounts has violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXXXXXX XXXX XXXX XXXXXXXX I, XXXX XXXX XXXX never gave ( XXXX XXXX Experian, or XXXX XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute.

They also do not have any permissible purpose to furnish my personal information to any third party.

Permissible Purpose : 15 USC 1681b Permissible purpose of consumer reports ( 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 rela
tes.

As a consumer, I am demanding deletion of the following accounts
Product: Credit reporting or other personal consumer reports

I am listing XXXX Fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and credit reporting agency advised me to file an identity theft report for deletion. I am Requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and Equifax did not remove the inaccurate account. 

The date of last activity is not correct, the date reported is not correct, the date opened is not correct, the account status is not correct, and the date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached a copy of the account on my credit reports that is inaccurate to show how XXXX, XXXX, and Equifax are violating my rights.