23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I had a payday loan due around XXXX/ XXXX of 2021. I was out of work and unemployed due to a XXXX XXXX until XX/XX/2021. I received numerous emails from an attorney claiming to be a representative of speedy cash. She warned me that I would be in a lawsuit with the company and if I wanted to settle this matter outside of the courthouse, I would need to make a payment or several payments. I was scared to be prosecuted and I knew that I had a late loan to pay so I didn't think anything of it. I sent them 2 payments of {$290.00}, 1 payment of {$250.00} and 1 payment of {$590.00}. I sent these payments through XXXX XXXX around XX/XX/2021. Today on XX/XX/2021, I noticed a withdrawal of the original amount due for the company through the company. I called the company explaining my situation and they confirmed that it was a fraud account. The email I was in contact with was XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my XXXX XXXX. After speaking to supervisors from all three bureaus they assured me that the information would be removed. The information was temporarily removed. Months later the inaccurate information has been placed back on my credit profile. I have requested an explanation of verification via phone and US mail on several occasions. According to the FCRA Act Section 611, I have the right to request an explanation of the verification method used by your company I am requesting a copy under the FACTA act, SEC 312 ( b ) and ( c ). I have given more than enough time for this situation to be resolved and will not wait another 60 days for a reply or an update to my credit profile. 

I am requesting that this erroneous information be removed from my credit profile immediately. 

As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. To date, I have not received a reply from either of the three credit bureaus and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with XXXX, Equifax and XXXX and have yet to receive a response within a reasonable amount of time.
Product: Money transfer, virtual currency, or money service

Today on XX/XX/XXXX I received a email at XXXX revealing Case File XXXX XXXX XXXX ( CM ), Docket XXXX, total amount : {$980.00} ( Unpaid Loan ). This is a Legal Proceeding against fraud activity ( against me ). This is to inform me that I am expected to appear in the New York XXXX XXXX XXXX XXXX XXXX XXXX, New York NY XXXX, United States on Monday XX/XX/XXXX at XXXX EST. I haven't had a job since XXXX and I just got excepted for employment starting XX/XX/XXXX. The charges being brought against my name and social security number are : XXXX. Violation of XXXX Banking XXXX ' XXXX. Collateral Check XXXX XXXX. XXXX XXXX XXXX ( Theft by Deception ) This carries a maximum sentence of XXXX years in prison and a fine up to {$3100.00}. 

I only have XXXX accounts, XXXX is a on line account, which is with XXXX banking and with XXXX Bank, which just closed due to not funding my account. My XXXX account has been active for XXXX years. I opened a case with the Federal Trade Commission in XXXX, when I first discovered that I was beginning to suffer from " identity theft ''. I opened a case with the Consumer Financial Protection Bureau in XXXX XXXX. These attacks are potentially ruining my chances with jobs that do background checks and is preventing me and my family from living safely without being defrauded. I have even used XXXX, XXXX and XXXX credit freezes, but I've had to temporarily unlift the freezes to try to apply for a home. I'm the one who needs financial help of any kind on the basis of defamation of character and unlawful hate crimes acts that have been committed with my name and my social security number. I am strongly considering the option to change my social security number, because of these hate crime attacks. I also a veteran!! Where's the justice in this matter for myself? I'm going to claim, by the blood of XXXX, that I will still have a prosperous future. I will await to hear about the proper resolve that your agency XXXX come with. Thank you,. I will also send a copy of the email that I received about this matter.
Product: Credit card

The customer bought an item from me and then did a charge back claiming he did not get the item. Now I am out the item PLUS my fee! He paid through paypal and they sided with him even though he did not send back my merchandise nor did he or XXXX adhere to our return policy! XXXX said he sent back the item but all he sent back was the original invoice copy! This man is running ascam to buy other items, claim he did not receive them, then send back a copy of an invoice and claim a return was made! No one checks inside the envelope which has nothing! I have the original envelope and invoice sent from him to prove this!
Product: Mortgage

I refinanced under the Home Affor. Act several years ago w/Seterus. My payment later went from XXXX to XXXX ( temporarily to catch my escrow up ). That was several years ago. Now, they 're raising it again to XXXX, even though I have a fixed rate.
Product: Credit reporting or other personal consumer reports

Experian dupped me into creating a free account with them when I tried to freeze my credit report. Now, they continually send me spam emails under the guise of sending me account information without any ability to unsubscribe. Additionally, there is no readily available or easily findable way to cancel this bogus required account. I should not be forced to have an Experian " account '' in order to freeze or unfreeze my account so that they can justify sending me spam by saying I have an account with them. Please help me stop receiving Experian spam emails. Please make them include an unsubscribe link on every email they send that makes it easy to unsubscribe from their spam. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Calling Equifax to try to dispute a transaction on XX/XX/2020 and after asking me for proof on my identity they were not able to authenticate my information. They were asking me to send copy of my Social Security and copy of my Driver Licenses by mail to the legal division of Equifax. 

I told them that no PII ( Personally identifiable information ) should be send my regular mail to provide my identity. I informed them that the mail could be intersect with my information. They insisted to send that way, I told them I will not comply and that is against any policy concerning PII. 

They well not able to help after all. 

They should not request to customer to send copy of my SS and Driver license by regular mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.
Product: Debt collection

Fraudulent charges for added services were made by XXXX XXXX  XXXX XXXX for services unknown, not understood, and not to my consent. This collection has been opened through other previous collection agencies and has been removed twice from my credit reports. Now Aargon Collections Services has contracted this collection and claims this is verified. This is not a rightful collection and I refuse to ever pay this fraudulent debt ever. They are repeatedly calling my phone with a robot dialer harrassing me while at home and causing interuption at my work place.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my credit report due to fraudulent activity. 
I've raised my concerns to all three credit bureaus and the companies as well. These reportings are hindering me from purchasing a home and obtain credit. I've recently refiled a fraud notice with all three credit bureaus. I will note each account and the information down below. 

XXXX XXXX XXXX XXXX XXXX ( partial acct : XXXX ) - balance reporting as {$770.00}, paid closed- written off. 
I have no knowledge of this account. I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 

XXXX XXXX XXXX XXXX XXXX ( partial acct : XXXX ) - $ XXXX charged off I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 
also reporting twice as charge off, which has dropped my XXXX XXXX significantly. 

XXXX XXXX XXXX XXXX XXXX  ( partial acct : XXXX ) written off {$430.00} I have no knowledge of this account, and believe it to be a result of the fraud that was done on my name/accts. 

XXXX XXXX XXXX ( partial acct : XXXX ) - balance {$550.00} This account was paid off- I noticed that for 3 years they have been reporting it as a charge off! Please assist with the removal of this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - closed paid this account belonged to my father who has since passed away in XX/XX/2023. I was a authorized user on his account as I handled his finances. Please assist with the removal of this account. 

XXXX ) XXXX XXXX XXXX ( XXXX, Transunion ) - charged off this account was paid- and should be removed from my credit report. It appears that it has been removed from XXXX correctly, yet XXXX and Transunion have not done so. 
please assist the removal of this account. 

I have submitted copies of police reports that I filed when my belongings were stolen. 
I had to get new checking accounts, and other accounts to prevent further fraud. I ask that this information be communicated to the three credit bureaus and the information be removed from my report ASAP.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with XXXX XXXX Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX DATE OPENED XX/XX/2023 is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). 

I demand account removed to prevent further Identity theft of personal information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 if 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

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

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is not a verification account. XXXX Account XXXX. 

XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Please delete XXXX Account # XXXX.
Product: Money transfers

Dear Sir/ Madam, I am a freelance journalist who worked recently for XXXX in New York . On XXXX XXXX XXXX, XXXX Newspaper erroneously instructed their bank, Chase in New York, to pay {$2500.00} into an XXXX XXXX XXXX account of mine, even though XXXX had been under receivership since XX/XX/XXXX the previous year following a corruption scandal ( additionally, the account been closed in XXXX XXXX, so no longer existed ). 
XXXX has since learned from Chase in New York that the funds first went to XXXX, then to XXXX for further credit to XXXX XXXX. Chase in New York has told us that XXXX now has them, but despite frequent approaches I have received no indication that they will be returned in the near future. 
Could you please advise on whether Chase was negligent in making a transfer to a non-existent account at a blacklisted bank? 
I will try to attach a copy of the wire details - the trace number is XXXX. 
Many thanks in advance for your help. 
Best wishes, XXXX
Product: Checking or savings account

Under the XXXX, banks are required to follow specific rules and regulations when it comes to customer accounts and transactions. These rules are designed to protect the interests of both the bank and its customers. However, there are certain circumstances in which a bank may choose to close an account or terminate a banking relationship with a customer. My rights were broken
Product: Debt collection

Debt reporting negatively on Credit report for last 5 years and it doesn't belong to me.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX ), Creditor Address : XXXX XXXX XXXX, XXXX XXXX  XXXX, MD XXXX, Creditor Phone # : ( XXXX ) XXXX. HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A, STATES : I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A, STATES : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

I was in the hospital for an emergency XXXX for XXXX  days and requested banks help on their overdraft fees that charged which is over XXXX on my account I have requested them to help so we can make my account whole and they said no. I have paperwork from the hospital and begged them for help they still turned me down the manger XXXX in the customer service center still did not care of the situation or my situation and said its not the banks fault its my fault and we will not waive any fees at this time
Product: Credit reporting or other personal consumer reports

There is personal information on my Experian credit report that is incorrect and I would like it removed please
Product: Debt collection

I received a letter from Credit Corp Solutions on XXXX XXXX, XXXX. It says they are writing to inform me of my account being referred to their pre-legal department. They have been unsuccessful in establishing a resolution to my account and have not received any significant payment from me to reduce my outstanding balance of {$2600.00}. Please note that your account meets our legal referral criteria and is eligible to be referred to an attorney. If payment is not received we will be sending your account to a law firm to be reviewed by an attorney for possible legal options. If you are unable to make the full payment or have any queries in relation to your account, you should contact our pre-legal department immediately working reference # # #. This communication is from a debt collector. This is an attempt to collect a set and any information obtained will be used for that purpose. 

I received a call in XXXX to settle this debt from XXXX XXXX. While I was on the phone with the credit collection agency, not sure if the same one, I set up a payment plan to pay off this debt. I believe I have already paid on this debt.
Product: Credit reporting or other personal consumer reports

This account is not mine and I asked for verification no responds from experian
Product: Credit card or prepaid card

Friday, XX/XX/XXXX - Activated card via telephone with a person. All set. 
Monday, XX/XX/XXXX - Tried to use card to purchase from XXXX XXXX and card was declined. Problem : Invoice in husband 's name, only my name on card. 
Tuesday, XX/XX/XXXX XXXX - Called, spoke with an agent he said he " unlocked '' the card and added my husband on the card. All set. 
Tuesday, XX/XX/XXXX XXXX - Tried to place the order again. Card was declined. 
Wednesday, XX/XX/XXXX XXXX - called, agent verified my ( 2 ) phone numbers but the ( 2 ) phone numbers were not mine nor ever been mine????? He took my ( 2 ) numbers again and after 20 minutes he said my card was " unlocked ''. All set. 
Wednesday, XX/XX/XXXX XXXX - Tried to use card to purchase from XXXX XXXX and card was declined. The message from XXXX XXXX : XXXX  XXXX XXXX : transaction failed. This transaction has been declined ; SEC Code 175 with account # XXXX XXXX thru XX/XX/28 SEC Code 175. Translation : the SEC Code on the card doesn't go with the Account number on the card. 
BANK OF AMERICA VISA US and XXXX XXXX International Collect XXXX Is this fraudulent or a scam?