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

On XX/XX/XXXX I was emailed by a XXXX XXXX that was recruiting for a company named XXXX XXXX XXXX for the Admin Assistant position. 

I accepted the offer and we walked through the interview process on XX/XX/XXXX. 

I was then sent an email stating that I was accepted to the team and had been asked to fill out onboarding paperwork etc. 

I was sent a check on XX/XX/XXXX through FedEx and was asked to deposit it. The total for that check was XXXX. The purpose for the check was to pay for work equipment for my home office. I deposited the check at my US Bank branch. 

The funds were made available on XX/XX/XXXX. I was asked to pay a vendor through XXXX a total of {$2000.00} for my initial product payment, due to an apparent cap on the amount of funds available to send. I sent the funds in XX/XX/XXXX. 

After I sent the funds I was asked to purchase gift cards, four cards {$500.00} each, totaling XXXX. I refused to do this and checked my bank account due to fear of scam. 

My account was XXXX. And I knew I had been scammed..
Product: Credit reporting, credit repair services, or other personal consumer reports

The Address on documentation is a fraudulent address it is not and has not ever been my address XXXX XXXX XXXX XXXX XXXX Kentucky XXXX Also the signature on documents is clearly not my signature.
Product: Debt collection

XXXX XXXX is listing an incorrect account on my credit reports and refuse to send any validating information to prove the information they are reporting. I have requested details of the account summary, details of the interest rate and how they reach the balance on my credit report, and also validation that this is my debt. I have also complained that the payment history is reporting inaccurate as well, but Equifax and XXXX XXXX continues to report inaccuracies on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking the to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Product: Credit card or prepaid card

Around XX/XX/2020, Barclays XXXX Business Card offered XXXX points on $ XXXX spend, and XXXX for an additional $ XXXX of spending if you signed up for their credit card. I received the first XXXX points when I reached that threshold, but after I spent another $ XXXX they never gave me the points. I used their product for purchases even though I had better credit cards to use at my disposal. I spent months trying to get this cleared up but today a rep said that they've done all the investigation about the points and said that I got everything I was supposed to, which is a lie. I paid off my remaining balance and promptly closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Debt collection

This company reported a debt to the credit bureaus and I didn't receive any written notice or notification therefore I was not allowed 30 days to dispute or request verification of said debt. I sent a letter more than 30 days ago requesting that they delete the information and verify the debt in the meantime. I have not received any correspondence back and the debt is still reporting.
Product: Mortgage

On XX/XX/XXXX I received a letter from my insurance stating my homeowners insurance has not been paid and it was escrowed by Ocwen. After lots of time on the phone and help from my insurance company, it was overnighted and paid. XX/XX/XXXX I received a check for {$590.00} from the escrow dept stating our escrow account was overfunded and this set it right. XX/XX/XXXX I got a letter from Ocwen 's escrow department stating I owed them over {$600.00} to make the escrow account balanced and included a schedule of increased payments to catch up the account. After much time on the phone with a customer service rep and later the supervisor, I decided to cancel the escrow account and per their instructions wrote a letter that was signed by my wife and myself stating all the supervisor requested plus a check for {$51.00} that would bring the account to XXXX and allow the cancellation. I was told they needed 10 days in order to make this happen and mailed the letter with the check on XX/XX/XXXX. I was told the adjustment to the auto draft would be automatically made and the XX/XX/XXXX draft would not include the escrow amount. However, it did and further I received a monthly bill on XX/XX/XXXX stating an amount of the payment for XX/XX/XXXX which still included the escrow amount. Checking my account, I found they had taken the escrow amount, which should have been cancelled ( we have the cancelled check that was inside the letter ) with the XX/XX/XXXX payment and clearly they had not cancelled the escrow payments. I called customer service on XX/XX/XXXX and spoke to an escalation Supervisor who stated he needed 3 - 5 days to look into it. I firmly but respectfully expressed my dissatisfaction with his company and I am now awaiting response. This blatant incompetence on the part of Ocwen is irresponsible and I regret having them escrow my property taxes and insurance which I will pay myself once they figure out how to cancel the escrow and pay me back what they took in an unauthorized way. Please warn others about having an escrow account with Ocwen who clearly ca n't manage those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

account had fraudulent activity and I was not found liable for the {$500.00}. However 1 year later a charge off for the {$500.00} was put on my credit. called the creditor on XX/XX/2021 and was advised that it would be removed. called again on XX/XX/2021 and was told the same thing. I still have an open account with creditor. How can I have a charged off account and still have an active account. Nothing was charged off, I'm still using and paying on account.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing 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 provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to falsely report account information despite direct dispute with them. The bank institution has verified my dispute as legitimate but TransUnion fails to correct the issue. 

My account with XXXX XXXX XXXX XXXX has been paid in full and closed since XX/XX/2021. I have provided the final statement to TransUnion but never get a response or it will say verified as accurate when it is not.
Product: Checking or savings account

This complaint is in regards to complaint number XXXX. In its response to my complaint, Bank of America decided to lie and conceive a record that does not exist part of which, is diametrically opposed to the actual record. Bank of America lied to me. Then the bank lied to the CFPB after I complained. With the exception of the facts that I presented originally, each and every new fact mentioned by Bank of America is either totally false or does not have any applicability at all to any of the issues. I have documentation that unequivocally proves the statements are false. 

I will however give Bank of America the benefit of the doubt and allow it to correct its original response by providing me with a response containing researched and legitimate facts. If Bank of America fails to provide a corrected and fair response to my original complaint without the inclusion of false statements, and provide the requested ( and frankly very reasonable and conservative ) compensation, I will have no choice but to file a lawsuit in the XXXX XXXX of California.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding your companys failure to provide proper debt validation and continued reporting of inaccurate information to credit reporting agencies.

On 10-9-24, I submitted a request for validation of the debt associated with the account referenced above. According to the FDCPA, you are required to provide proper validation of the debt, including but not limited to : The name of the original creditor ; The amount of the debt, including itemized fees and charges ; and Evidence that you have the legal right to collect on this debt.

To date, you have failed to provide the required documentation to validate this debt. Despite this failure, you have continued to report this unverifiable debt to credit reporting agencies, which is a direct violation of 15 U.S.C. 1681s-2 ( b ).

I am also a XXXX  resident and not North Carolina, I will need proof that you are licensed and can legally collect in XXXX as well if you can fulfill the prerequisites. 
This letter serves as a final demand for you to : 1. **Immediately cease all reporting of this debt to any consumer reporting
Product: Checking or savings account

My phone and wallet was stolen from my car I had to file a report about the incident. And my money was also stolen and use from all my accounts I had
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, You have violated the law. Under the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the fo! lowing circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates.

I the consumer never gave TRANSUNION any written consent to furnish a report or report anything on my consumer report, No consent is identity theft. A copy of the identity theft report is attached labeled exhibit A. I am demanding a copy of proof or written instruction be provided. The deletion of alleged debts owed accounts from my report and file and as pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) to be paid {$1000.00} per violation by check, all violations are stated in notarized affidavit provided as an attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and I'm done with it. Per FCRA section 605b Credit Reporting Agencies are required to block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute again inaccurate and unverifiable information appearing on my credit report. Experian 's faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher 's response to the disputed information, and failure to inform me of the results of the reinvestigation also violate the CFPA 's prohibition on unfair acts or practices. 12 U.S.C. 5531 ( c ) ( 1 ). Also, when I disputed the accuracy or completeness of information in their consumer report, the FCRA requires Experian, Equifax and Transunion to conduct a " reasonable reinvestigation '' of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C. 1681i ( a ). Additionally, as per Metro 2 compliance guidelines outlined in the Credit Reporting Resource Guide ( CRRG ), all data reported to credit bureaus must be accurate, complete, and verifiable. The following accounts fail to meet this standard : XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX
Product: Debt collection

My credit report currently contains XXXX different accounts in collections from Transworld Systems. They were originally reported as debts from XXXX XXXX and XXXX XXXX. The total amount of these XXXX accounts is just over {$1300.00}. I have never opened accounts with XXXX XXXX or XXXX XXXX and I believe these debts are fraudulent. I spoke with a representative from Transworld on XX/XX/XXXX after receiving a copy of the original bill from XXXX XXXX which lists an address in XXXXXXXX XXXX for the original account. I have never resided in Texas and can verify same through utility bills, DMV records and lease agreements. The representative gave me instructions on how to dispute the debt. I provided proof of address along with my actual utility bill from my home in XXXX  during the time period from which these accounts were being charged, per the representative 's instructions. I also provided a copy of my Identity Theft Report from the FTC. Since that time I have not received any response from the company nor any updates regarding my accounts. I called TSI this morning to inquire about the status of my claim and was informed that my ID theft report was not received nor reflected on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account information is incorrect reporting that I was late on the following accounts : XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, XXXX, and Experian XXXX XXXX  : I was never 30 days late ; incorrect late information is reporting on ( XXXX, XXXX, and Experian XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX and Experian ) I was never 60 days late ; incorrect late information is reporting on ( XXXX  and Experian XXXX ; XXXX 's : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( XXXX, XXXX, and Experian ) ; XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( XXXX, and Experian ) ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Product: Credit reporting or other personal consumer reports

My credit score was damaged because of a missed payment and high was caused by a faulty system by Chases ACH debit block. I. Three separate occasions I attempted to add XXXX XXXX XXXX as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, Chase blocked the debit resulting in a missed payment. This missed payment also caused XXXXXXXX XXXX  to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.
Product: Mortgage

We lost our home to a fire onXX/XX/XXXX. Our insurance company cut us a check for over XXXX so we could rebuild our home. We only paid XXXX for our home in XXXX. The check was written in our names and Wells Fargos name. Our bank told us we had to sign the check and send it to Wells Fargo and that Wells Fargo would send us back the money so we could rebuild. What Wells Fargo actually did was send us a form asking us if we wanted to use the money to pay off our mortgage or rebuild. We chose to rebuild, filling out and returning this form to Wells Fargo stating that we want to rebuild. Wells Fargo disregarded what we said and used our insurance money to pay off the mortgage instead. We spent 2 years trying to fight them to get the money back. We could never get anyone to help us. They would transfer our calls all around the country! We even sent paperwork to them that they had to sign to receive and when we would call them, they would say they never received it. When I would say yes they did and this is when you received it and this is who signed for it, they would say they do not know anyone by that name. They wore us out and we felt we had no option but to give up. Wells Fargo stole my home. They ruined our lives. Not only did I lose my home and all my possessions to a fire, I ultimately lost my home because we did not have the money to rebuild. I know this is way after the fact but I just saw how Wells Fargo is being punished for the crimes they have committed against people. I, to this day, want my XXXX back that they stole from me. I would also like to see monetary damages for all the pain and suffering my family has experienced since XXXX. This incident devastated my family to this very day.
Product: Debt collection

On or about XX/XX/2023, I contacted I C System after I received a call from XXXX regarding my account being activated by someone. Immediately accessed my credit report to discover that there was a collection added to my XXXX Credit Report from a company called I C. I XXXX  the company and called the company to retry and resolve the issue since I was unaware of the company. Once the agent came to the phone, I identified myself and let the agent know that I had been involved in a rash of identity matters and this surely must be one. I don't have XXXX. I've received any communication from their company and the agent stated that it's on your credit report and that's informing you of the debt. I thought that according to the Consumer Financial Protection Bureau debt collectors had certain steps they must follow prior to reporting the debt to the credit reporting companies. They must do any one of the following : 1. Speak with you in person about the debt.

2. Speak with you by telephone about the debt.

3. Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered.

4. Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasn't delivered.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Product: Credit reporting or other personal consumer reports

This Complaint is regarding the Data Breach with Equifax and Compromising My Personal information due to the breach which I was Directly effected. I disputed accounts and also asked Equifax to investigate the accounts and remove addresses tat were obviously not mine, I've sent into Equifax all information requested to verify my Identity only for Equifax to allegedly Expose my Personal information after numerous attempts to addresses and accounts removed. now there's a breach of My Information? I'm asking This information be removed.

This Complaint is being filed due to XXXX not processing or verifying the previous disputed account information and now enlighten of the Recent Lawsuit with the Consumer Financial Protection Bureau ( CFPB ) And XXXX it makes great sense, I didn't receive an accurate response from XXXX or the Creditor Under the FCRA 605 B XXXX now ahs Only days to Remove this incorrect information. 

Here is the previously Disputed account information. 

1. Company Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount Reported : {$1200.00} 2. Company Name : XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX