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

I have called and written Experian disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX are fraud accounts and do not belong to me!!!!!! These accounts were included in a previous dispute which you deleted some of the accounts that were listed but it seems these were over looked. I have been waiting months for an update to have these accounts deleted. There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given.
Product: Money transfer, virtual currency, or money service

there is an active online scam targeting job seekers like myself. While the scammers use different techniques and different social media tools, some common aspect of the scam is to offer a position and send a check to be deposited into the job seekers account. I was lay off from a job XX/XX/2023. XXXX searching for jobs continuously on XXXX. The scammer offer the job position as a XXXX XXXX assistant working remotely. Paying $ XXXX as part time XXXX a or full time XXXX at your own. Excited and accept the offer and a check was sent for an amount of {$3200.00} to be deposit in my bank through email. Mobile deposit the check and got the funds XX/XX/2023. Use the funds to buy equipments for home setup to work at home. XXXX to an owner {$1000.00}. Then bought {$2000.00} money orders from postal office. Was instructed to send money orders to a business to get the equipment process and deliver. XXXX the money orders to the address given. Found out Monday XX/XX/2023 the deposit check was a scam forgery from the bank. Called Wellsfargo XXXX XXXX to file the claim Monday evening XX/XX/2023. I am so depressed that in such a vulnerable state and this happen. I have all emails from this scammers, all communications are documented for proof/evidence if needed from this report. I will provide all evidences for your reference if needed
Product: Debt collection

I have never done business with THE CBE GROUP XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Product: Credit card or prepaid card

Their was some fraudulent activity on my Macy 's Amex credit card that started in XXXX. I reached out to them and ordered my transactions from XXXX. The amount from the transactions added to {$850.00} from the form that was sent to me, but my balance was over {$2500.00}. I sent an identity theft dispute letter XX/XX/XXXX along with police & identify theft report, and Macy 's transaction form to all three of the major credit reporting companies and Macy 's responded by saying " We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question ''. I followed up with a Second Written Request on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, THE AUTO LOAN ACCOUNT WITH SANTANDER SHOWS IT HAS BEEN SOLD TO ANOTHER AGENCY HOWEVER SANTANDER IS IN VIOLATION OF THE FAIR DEDT CREDIT ACT BECAUSE THEY NO LONGER HAVE THE ACCOUNT AND THEY SHOULDNT BE REPORTING THIS ITEM. ATTACHED IS THE LETTER MAILED OUT.
Product: Checking or savings account

I had an account with Navy Federal and I was always getting charged a huge amount of fees
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disobeying the laws. I have showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can keep go onif you need me to all I'm trying to do is provide a better life for my family. 

The credit bureaus have no respect for the laws.
Product: Debt collection

On XX/XX/XXXX I received a forwarded email from a relative. The email was sent to my aunts personal email address. The contents of the email were specifically addressed to me and was an attempt to collect a debt from XXXX XXXXXXXX XXXX  The debt collector was Halsted Financial Services working on behalf of XXXX XXXX XXXX and included information about the alleged last time I paid a payment on the closed account ( {$30.00} on XX/XX/XXXX ). The email also included my name, last 4 digits of my account number and the total balance that was past due {$630.00}. The email also stated that my account was in pre legal status and would be potentially referred to a law firm in my state. 
I have never used the relative that this email was originally sent to on any type of credit application as a co-applicant or reference. I have also never given any credit card company or debt collector permission to contact any third parties or relatives regarding any alleged debt owed as it violates the rights listed in the FDCPA. I plan to seek legal action but wanted to start here first.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted Experian asking them to remove the bankruptcy the listed on my credit report. In addition, I asked them to provide me with a ) the name of the courthouse ; ( b ) the persons name you verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. Their response to my dispute was the United States Bankruptcy Courts of Illinois is the company that reported the bankruptcy on my credit report. In XX/XX/XXXX, I had reached out to the United States Bankruptcy Courts of Illinois asking them if they had provided this information to Experian. In response, I received a letter from them stating that the courts do not perform any activities with the credit bureaus. I submitted this letter to Experian and they are still refusing to provide me with accurate information on how they are reporting this bankruptcy on my credit report. Since, they are falsely doing so, I have decided to reach out to you for assistance.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately.

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the fair Credit Reporting Act FCRA and rectify a violation regarding the reinsertion of previous deleted material into my credit report on XX/XX/year>, I sent a letter to Experian notifying them ot the reinsertion of XXXX bank account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandate by FCRA XXXX XXXX ( B ). Despite waiting for XXXX days after sending the letter, Experian has failed to removed the reinserted account from my credit report, continue violate FCRA Regulations.Experian action have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities.despite my efforts to resolve this matter directly with Experian.they have neglected to take appropriate action, demonstrating a lack of of accountability and compliance with federal consumer protection laws.
Product: Money transfers

On XX/XX/2016 I made a wire transfer for {$3700.00} for goods purchased through XXXX through my Business Checking account at Capital One. After 14 days, the funds never made it to the recipient. I had Capital One initiate a trace on the funds and XXXX XXXX, from Capital One Branch in XXXX, Texas ( Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ) told me that she did not know what happened to the funds. I made multiple attempts to resolve this issue with her, and Capital One customer service with no resolution. Finally, I contacted the XXXX and filed a complaint. They told me that I requested to cancel the transfer on XX/XX/XXXX ( I did ) and then requested to recall that cancellation the same day ( I did not ). The beneficiary has not received the funds and it has been over 4 months.
Product: Debt collection

I sent XXXX a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company responded by writing that the loan had been transferred to another company. They did not provide proof of debt ( signature or otherwise and kept reporting on my credit reports. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I have reached out to EXPERIAN 4 times now and they tell me that these inquiries are FACTUAL and they never provide proof of how they verified these inquiries to be factual. It is against the law for creditors to run your credit without authorization and this is what I have been trying to tell EXPERIAN but they refuse to delete these inquiries. They need to provide proof of validation for these inquiries or remove them from my credit report because no one has the right to check my credit without consent. Here are the inquiries that are NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The credit bureau sent me a letter stating these places have a RIGHT to run my credit, but that is not true. By law, they can not run my credit without my authorization. Even with that being said, the credit bureau refuses to remove these unauthorized inquiries. This is my third time trying to resolve this matter. I have filed a complaint with the FTC. FTC report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I attempted to purchase a home. My mortgage lender could not access my Equifax credit report. We later found out that Equifax has two different birthdays for me. In order to correct the problem, I had to submit documentation to prove my identity ( XX/XX/2019 ). The account at Equifax was updated, around XX/XX/2019. Immediately, I received a message from my credit monitoring agency, " Equifax has 5 new inquiries on your account resulting in your score dropping 38 points ''.

This issue took my score out of the range to purchase the home. The problem is not my fault and I want my score restored.

I have called Equifax at least seven times. Six times we were " disconnected '' and they never attempted to call me back. They refused to work any further with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX/XXXX  XXXX never late COLLECTIONS XXXX  XXXX {$490.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2018 I disputed an inaccurate account with Transunion LLC Credit reporting company. In XX/XX/2018 Transunion reported that the account was verified and accurate. ok well in XX/XX/2018 I sent a certified letter to Transunion to be exact the letter was dated XX/XX/2018 I sent the letter to Transunion on XX/XX/2018 I have copies of the certified mail receipt that the letter was sent to them.. The letter was the METHOD OF VERIFICATION OF THE PREVIOUS DISPUTED ACCOUNT ON MY CREDIT REPORT, ,THE ACCOUNT LISTING IS XXXX XXXX XXXX # XXXX,, TRANSUNION RECEVED THE LETTER ON XX/XX/2018 I HAVE A COPY OF THE DELIVERY NOTIFICATION THAT WAS GIVEN BY THE USPS ... SO TRANSUNION RECEIVED THE LETTER ON THE XX/XX/XXXX, AGAIN THE LETTER WAS THE METHOD OF VERIFICATION.. AS A CONSUMER I AM EXERCISING MY RIGHTS UNDER THE FCRA 611 ( A ) ( 7 ) WHICH I WAS REQUESTING A COMPLETE DESCRIPTION OF ALL METHODS USED TO INVESTIGATE MY AFOREMENTIONED DISPUTE. I REQUESTED ITEMS THAT WOULD FALL IN THE LINE OF THE FCRA 611 ( A ) ( 7 ) AND TRANSUNION FAILED TO SEND THAT INFORMATION TO ME. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER AND IT AGAINST THE LAW AND TRANSUNION IS NOT FOLLOWING THE RULES OF THE FCRA ... .THEY NEED TO REMOVE THIS ACCOUNT ASAP FOR I AM ABOUT TO GO DOWNTOWN AND FILE A SMALL CLAIMS SUIT AND HAVE ALL THE PAPER WORK SHOWING DID EVERTHING RIGHT AND TRANSUNION REFUSED TO SEND ME WHAT I REQUESTED AND WHAT I AM ENTITLED TO ... WELL ON XX/XX/2018 I CALLED TRANSUNION AT XXXX AND SPOKE WITH A TRANSUNION REPRESENTATIVE FROM THE UNITED STATES I ASKED THE REPRESENTATIVE ABOUT A THE DISPUTE WITH THE XXXX XXXX XXXX ACCOUNT ENDING IN XXXX AND THE REPRESENTATIVE STATED THAT THE XXXX XXXXXXXX XXXX ENDING IN XXXX HAS NEVER BEEN IN DISPUTE,,, I STATED YES IS HAS. I GAVE THE AGENT ON THE PHONE THE FILE NUMBER THAT WAS SENT TO ME BY MAIL..THE AGENT STATED THE FILE NUMBER WAS DEAD AND HE WASN'T ABLE TO PULL UP THE PREVIOUS DISPUTE AND THAT HE DIDNT KNOW WHY HE WASNT ABLE TO SEE IT, ,THE AGENT STATED THAT THE ACCOUNT WAS NEVER DISPUTED AND I ADVISED HIM THAT I HAD PROOF THAT THE ACCOUNT WAS DISPUTED IN THE PAST AND I RECEIVED THE LETTER FROM TRANSUNION, TRANSUNION IS NOT REPORTING 100 % INFORMATION THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT..I HAVE COPIES OF THE RECENT RESULTS FROM TRANSUNION PERTANING TO THAT XXXX XXXX XXXX ACCOUNT ENDNG IN XXXX.. THE FILE NUMBER IS HIGHIGHTED AND I KNOW THIS ACCOUNT WAS DISPUTED BEFORE, TRANSUNION AGENT STATING IT WAS NEVER DISPUTED,,, THEY HAVE VIOLATED THE LAW AND REPORTING INACCURATE INFOMRATION ON MY REPORT AND MY NEXT STEP IS FILING A SUIT ... TRANSUNION PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE..
Product: Debt collection

I'm filing a complaint regarding a 3rd party collection agency, BLITT AND GAINES, P. C. In XXXX, IL for harassing and illegal threatening me for a debt. I asked for validation by sending them 2 different certified letters in the mail that were enough days apart, but still no true validation that the debt is mine. 

XXXX XXXX {$1500.00}
Product: Mortgage

In speaking with Union Bank about refinancing, I was only information gathering. A few weeks later, I decided to move forward but with a different agent. The first one, XXXX XXXX, in their XXXX, AZ office, I felt was pressuring me to commit very quickly ; I now believe it was because she was trying to commit me to a 4 % loan just days before the rates dramatically lowered. When I then spoke with someone in XXXX, CA, he told me she had locked in that rate and there was nothing they could do for 90 days!! I did not agree to a rate lock. I did not authorize this girl to do so and now they were claiming because she did there " is nothing we can do. '' A couple days later I started getting calls/emails from 3 people ( XXXX XXXX and XXXX XXXX in XXXX ) and XXXX XXXX in the XXXX office. XXXX admitted in an email that this girl locked in this rate with no authority or consent, but all 3 have refused to apologize or quote me anything better than this horrible rate. Then I got a call supposedly from someone from the " office of the president '' but the president was not identified. I returned that call, got voicemail and no one returned the call. 

All in all, I feel Union Bank was clearly committing fraud and using deceptive practices and when they were found out, they refused to apologize and make good. Truly a horrible, horrible bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters for more than 3 months to eliminate some errors or negative elements of my credit and the bureaus have not given me an answer. I feel like they are ignoring my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues on my credit file that need addressed. I have requested documentation from the following collection agency : AMSHER COLLECTION SERV XXXX XXXXXXXX. Please delete the above account they are not accurate and unverified XXXX FCRA violation. I have a legal right to dispute anything that does not belong to me
Product: Student loan

I don't feel like I should be responsible for repaying a loan and the school has since closed. I have no positive out look as to furthering my education. No one will accept their credits and I will have to start all over as if I never went to a suitable school. I think it is unfair to me and any other students to pay for a degree that has no value. I attended XXXX XXXX XXXX XXXX, Georgia campus in XX/XX/XXXX and completed in XX/XX/XXXX. I have contacted the loan company so that it can be dissolved and was denied early on in XX/XX/XXXX. I worked very hard through XXXX, XXXX and XXXX just to hit a dead end!
Product: Mortgage

I have an existing complaint with Seterus .Back in XX/XX/2020, I wrote them a grievance letter addressing concerns with the mortgage my father signed.I never received any response from them.I want them to response to the letter.This matter affected my family severely and it deserves a response.I have never been treated with any respect in fact i have been treated rudely and ignored.Just because i am not someone famous or important, this industry treats you like an insect that should be stomped.My familys home has been taken, I am suffering from severe XXXX .I want XXXX XXXX to answer my  questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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