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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires too old and must be removed from my credit report XXXX inquires too old and must be removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen not one but two times in XXXX and again in XXXX. I've called the companies XXXX XXXX XXXX Nordstrom, XXXX  ) to report the fraudulent accounts. Within the years, Ive placed fraud alerts on my credit profiles and every time I dispute these items they still come back as verified and accurate. The credit bureaus recently told me to file an identity theft report with the FTC and they would investigate the accounts and remove them. I did that and again, the accounts came back as accurate and verified. I dont understand how they are verifying this with no proof of ownership of the accounts. I've asked them to send out original contracts with my signature on it and none of the companies were able to furnish that information.. A debt collector even attempted to sue me because of a debt that was fraudulently opened in my name. However, I after I explained to the judge my identity theft incidents and told him that I've continuously asked for the original contract with my signature on it which they were not able to furnish the case was dismissed and the debt collectors removed it from my credit report. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST ME ''.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. A police report and FTC report was sent to XXXX, Transunion and XXXX detailing the fraudulent accounts and information that needed to be removed from my account. This was sent certified mail XX/XX/XXXX. All three credit bureaus deleted the fraudulent accounts in XX/XX/XXXX after speaking with them last week XX/XX/XXXX and again this week after reviewing my credit reports. While reviewing my reports I noticed that they removed several of my accounts that were in good standing and was not apart of the police report or the FTC report. I told them they removed accounts that were not fraudulent and was told that they removed all accounts if they reported at any time with the address associated with the fraudulent accounts. I advised them that was not correct and to place my good standing accounts back on my account. I called again today to XXXX   in particular and was lied to this time and told my bank told them to remove it which is not true because I spoke with all of the creditors and they all said the information is being sent to the credit bureaus. I asked to speak to a manager and was told I could not speak to one and I could go into a voicemail and someone would call me back, which is another lie because no one ever calls back from any credit bureau. My good credit accounts were removed without my permission and they choose to keep on the accounts that showed any type of late payment that they felt might be correct.
Product: Money transfer, virtual currency, or money service

XXXX was stolen out my PayPal account they asked for a police report I gave that my license I did that as well and even sent them copy 's that my money was never returned they still haven't gave me my money back and Everytime I call they will leave me on hold than hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my undoing battle with fraud on my name and social security number a fraud alert has been placed on my Transunion report, however a fraud alert does not stop one from gaining access and pulling my report, therefore inquires keep accumulating on my report and not for the things I applied for ... I have reached out to these companies as well as Transunion they told me contact Transunion, I have sent at lease 4 letters asking Transunion to verify 13 of the 18 inquiries on my credit report and they have failed to do the investigation and they are trying to play a game of sending me irrelevant replies saying this is to let you know how inquires are placed, or this is the answer to your question, I did not ask a question I sent a dispute clearly a stall tactic no investigation done and trying to not investigate my inquiries
Product: Credit reporting or other personal consumer reports

Ive reported inaccurate information on my credit report XXXX times to all XXXX  bureaus including equifax, but Equifax is the only reporting agency that refuses to investigate any of my disputes. Equifax comes back with a stall letter. I have XXXX in my possession right now. They say they cant read the XXXX XXXX the information uploaded here but XXXX and XXXX has both responded several times. 
The bankruptcy is not accurate reporting. I have no bankruptcy on none of the other bureaus. 
Neither is XXXX XXXX account with the balance of XXXX. 
The reporting agencies must all report the same info and it must be complete and accurate according to the credit reporting laws. 
XXXX XXXX XXXX {$2400.00} XXXX {$11000.00} XXXX {$4900.00} XXXX {$4900.00} XXXX XXXX  {$1600.00} Each of these accounts are reporting inaccuracies. They have missing information. They are reporting illegal information. They re-age my accounts. They list info thats inaccurate such as they report me as being charged off every month. This is inaccurate and illegal. 
XXXX XXXX  has me 180 days late every month for over a year. This is blatantly inaccurate. How is this coming back verified? 
XXXX XXXX  This account is reporting inaccurate information. This account was not sold to XXXX. This account payment history is inaccurate. The date of open is the wrong year. I opened this account on XX/XX/XXXX. The last payment information is inaccurate. It was XX/XX/XXXX. Please correct my report
Product: Debt collection

I received a call from my little sisters stating that they were recieving calls from a number that they didn't know and talked to someone name XXXX. XXXX proceeded to tell them where she worked and that she was looking for me about a business matter. This scared my sisters as they are young and I knew I had to take action immediately. As they might not know what is actually going on. 

I have attached screenshots of the calls and some transcript. 
the phone numbers in question are XXXX the next number is XXXX name of lady : XXXX companies she said she worked for : chain link services and handling services This same women stated she was from XXXX different companies when harassing my sisters.
Product: Checking or savings account

In XX/XX/2018 I opened an account with Citibank with the promise that if I deposited XXXX, in 6 months I would get {$400.00} bonus. I got the email and everything was good. Came XX/XX/XXXX I called citibank to see when I was getting the bonus and was told XX/XX/18. XX/XX/XXXX I called again because I still havent seen the money and this time was told that I was not going to get it because I didnt qualify. Now the only thing I needed to qualify was deposit the money which I did n now they refuse to give me the money. I put in a dispute with the XXXX  as well and now need to know how to take them to small claims so they never do this again to anyone else.
Product: Credit reporting

XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX orwww.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with 'XXXX ' who said the site should allow me access to obtain my free credit report. I live in XXXX, am a U.S. citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no U.S. mail service in XXXX. We are moving back to U.S. in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed negative items on my consumer report with Equifax on XX/XX/2023, unfortunately I didnt send it certified mail so I cant prove when Equifax received it, and I already know that its just my word against their word. I do know that I sent Equifax a dispute letter, and they have not yet responded, and by law they are required to respond within 30 days after receiving a dispute letter from the consumer. 

Attached to this complaint is a copy of the dispute letter I sent Equifax, and since they have not yet responded to my first dispute, I am requesting that they delete all items that I have listed on my attached dispute letter since they are in violation of the FCRA, which makes all my disputes unverifiable. If Equifax indicates that they never received my dispute letter, then I am requesting that Equifax conducts a Consumer Investigation, not just a verification with the furnisher of information.

15 USC 1681a ( e ) indicates that a consumer investigation means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. I will expect Equifax to give me the names and phone numbers of those they spoke with after their investigation, otherwise the negative items on my consumer report will be unverifiable and must be removed. 

Thank you for your cooperation Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

XXXX XXXX XXXX Balance {$0.00} ;
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit report XXXX, XXXX and discovered an inquiry that I have no knowledge of. On XX/XX/year>, XXXX/ARIVO ACCEPTANCE appear on my credit report as a hard inquiry that impacted on my credit score. I never authorized inquiry on my credit report for this company. Please launch an investigation into XXXXARIVO ACCEPTANCE inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXXARIVO ACCEPTANCE is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Product: Mortgage

XXXX continued- After the trickery of XXXX. 
They set up a Mediation process to discuss their fraudulent activity on a side issue if a checking account. Hired a mediation attorney to falsify the process, and refused to send the transcript or recording of the session in which it was stated numerous times that the proceeding will be addressing only the CHECKING account and then XXXX has the audacity to claim that was to address the entire relationship with XXXX, which is a lie. 

XXXX suggested after the mediation to have a separate mediation regarding the HELOC loan and now they are walking it back. 

Please reach out to WF and have a new set of eyes on this complaint. 

These complaints will continue until the real issues are addressed and mediated. 

Thank you for speaking with me about your concerns with the account. I appreciate the opportunity to help you, we`ve reviewed your concerns and are providing you with details about the request for mediation. We received a similar request from you and sent a prior response. For your reference, we`ve enclosed a copy of this prior response, which addresses most of the issues mentioned in the inquiry. As our mediation was to address the banking relationship as a whole and not a specified account, we are unable to open an additional claim to mediate. With that being said, you may still have legal rights outside of Wells Fargo. We can confirm the emails between you and XXXX XXXX do not advise the mediation was for just the checking account. The emails state that you are free to pursue any legal claims with respect to the account. Please contact an attorney to discuss your rights and next steps. Here are important account details we`d like you to know. Your account has been paid in full and closed. I`m glad we spoke about your concerns. I appreciate the opportunity to help you, and I`ve attached a copy of our response letter. 
XXXX XXXX XXXX XXXX ( XXXX MB )
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 sections 602 states I have the right to privacy 15 usc 1681 section 604a section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.under 15 uscs 1666b a creditor may not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to request your immediate intervention and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) Section 605C, which protects survivors of human trafficking. Despite my submission of documentation to TransUnion as a XXXX XXXX XXXX XXXX, they have failed to block and remove adverse information from my credit file that directly resulted from my trafficking circumstances. This non-compliance violates my rights as outlined by federal law. 

I kindly urge the CFPB to take swift action to enforce the provisions of Section 605C and compel TransUnion to comply by removing all adverse information related to my trafficking experience. Additionally, I would like to highlight the following legal precedents and case laws which support my claim and further affirm TransUnions legal obligation to correct my credit file : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605C ) : This section clearly mandates that consumer reporting agencies must block adverse information in a consumers credit report when such information resulted from trafficking. 

XXXX XXXX TransUnion, LLC, XXXX. XXXX ( XXXX XXXX XXXX ) : In this case, the court reaffirmed that credit reporting agencies are required to comply with the FCRA and that failure to block inaccurate or misleading information constitutes a violation of federal law. 

XXXX XXXX. TransUnion, LLC, XXXX. XXXX ( XXXX XXXX XXXX ) : This case reinforced that trafficking survivors have rights to have adverse information resulting from trafficking removed or blocked from credit reports and that non-compliance with FCRA Section 605C opens the credit reporting agency to liability. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) : The court held that consumer reporting agencies must investigate and block information in credit reports that is not attributable to the consumer, including instances where such adverse information resulted from illegal activities. 

TransUnions failure to remove the adverse information on my credit report is causing ongoing harm to my financial well-being, violating my rights, and perpetuating the impact of the trafficking I endured. I request that the CFPB enforces the statutory protections outlined in FCRA Section 605C, ensuring that TransUnion acts immediately to block and remove the erroneous information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report shows that I owe a hospital bill as a result of having a child in 2019 which was covered by my XXXX I disputed the transaction and nothing has come of it I have also reached out to credit repair XXXX XXXX and it still has not come off of my credit I am also suffering from a school loan that should not be appearing on my credit report due to a forgiveness program which took half of the loans away
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Equifax a dispute letter ( attached ) disputing a collection account that is listed on my credit report that is fraudulent. On XX/XX/XXXX, I was notified that Equifax  placed a XXXX XXXX XXXX XXXX  account in dispute status instead of the following account : Collector : XXXX XXXX XXXX Original Creditor : XXXX XXXX Date Assigned : XX/XX/XXXX Acct : XXXX Original Amount : {$86.00} Balance Owed : {$110.00} Date Reported : XX/XX/XXXX On XX/XX/XXXX, Equifax received my received my dispute and has refused to place the fraudulent account in dispute and remove the account due identity theft. Based on the my original request on XX/XX/XXXX, I am requesting Equifax to block the information from my credit file and remove the dispute status from the XXXX XXXX XXXX XXXX  account that I did not put in dispute. If Equifax fails to take the requested action, I will file a lawsuit for violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Account XXXX xxxxxxxx XXXX I wrote to Equifax on more than XXXX occasion informing them that this is not my debt and I am not responsible for this debt. This is actually my ex-girlfriends debt and I would like it removed from credit report. They have not done so. I did not apply for this debt and I am not liable for this debt so I don't understand why they won't remove it from my credit report.