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

FCRA violations : payments never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$3800.00} REMOVE ACCOUNT XXXX XXXX XXXX {$25000.00} REMOVE ACCOUNT XXXX XXXX {$10000.00} REMOVE ACCOUNT XXXX XXXX {$1100.00} REMOVE ACCOUNT XXXX {$760.00} REMOVE ACCOUNT XXXX XXXX {$3400.00} XXXX  XXXX {$1500.00} I requested for the credit bureaus to send copies of documentation with my signature of the accounts they claim I owe and they refused.
Product: Credit reporting or other personal consumer reports

I am writing to you with an urgency that demands immediate attention. It has come to my attention that fraudulent accounts are still being reported on my credit file, despite numerous attempts to rectify this matter. This is unacceptable, and I will not tolerate any further negligence on your part. 

XXXX XXXX XXXX, XXXXXX/XX/XXXX 

Let me be unequivocally clear : the presence of these fraudulent accounts on my credit report is damaging my financial reputation and causing irreparable harm. I have diligently followed all necessary procedures to dispute and rectify these inaccuracies, yet they persist. Your failure to address this matter promptly is not only negligent but also a blatant disregard for the law and my rights as a consumer. 

I demand that you take immediate action to cease reporting these fraudulent accounts on my credit file. Failure to do so will result in severe consequences for your bureau. I am prepared to pursue all available legal avenues to ensure that my rights are protected and that justice is served. 

Furthermore, I expect a written response from you within the next XXXX business days, confirming the removal of these fraudulent accounts from my credit report. Additionally, I demand full documentation outlining the steps taken to investigate and rectify this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

RAUSCHENBERG, STURM, ISRAEL, ENERSON & Hornik LLP Is trying to collect a Debt that was settled with XXXX XXXX XXXX XX/XX/XXXX For XXXX Card XXXX XXXX XXXX Ive give information that debt was settled
Product: Debt collection

I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous 2 correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers.

Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS BELOW ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I sent an investigation request to XXXX and Trans Union over two months ago. They were supposed to respond with the results within 30 days, but they have not.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I began communicating with an individual about purchasing concert tickets for a concert that was taking place later that evening. After texting back and forth about specifics, such as price & seat location, and method of delivery ( electronic ), I asked with the best method of payment would be, XXXX or XXXX. He suggested XXXX, which I had seen on the Citizens Bank homepage, so I agreed, and was given the email address of XXXX, which I used to send funds to this individual via XXXX. I was purchasing two tickets for XXXX XXXX at $ XXXX/per ticket, so the transaction total was {$300.00}. The transaction was processed and my account showed {$300.00} had been withdrawn, however the individual I was purchasing from said it was never received. I later learned from the police man I filed a report with that this is a common tactic used by scammers to get you to resend the funds, but since I knew the funds had left my account, I did not resend the transfer. After sending multiple text messages to this individual and calling multiple times I realized that I was not going to receive the tickets, and I that I had just been defrauded. When I called Citizens Bank, who is partnered with XXXX, they said there was no type of report that they could file, there was nothing they would do on their end, and to contact law enforcement ( which I did that same evening, XX/XX/18 ). XXXX is listed on Citizens website as " A fast, easy, safe way to send and receive money '', but I now realize that there is nothing safe about it if there is any chance fraud is involved. The Citizens website also says that XXXX is secure- '' Transfers are protected by the same technology that protects your online and mobile banking '' -unfortunately in this case " secure '' does not equal safe. The recipient mentioned having XXXX XXXX, but I am not sure if that is the case. It was very clear that this individual was targeting people by using XXXX, and unfortunately the amount of trust I had in my bank prevented me from seeing through this scam.
Product: Credit card or prepaid card

On XX/XX/XXXX, Wells Fargo Bank automatically paid an internet social media subscription vendor called XXXX XXXX {$89.00} for a 6-month renewal fee from my Easy Pay Debit  Card account. This happened despite the fact that I had previously emailed XXXX XXXX  to change my subscription plan to a lower {$59.00} fee. XXXX intentionally delayed in replying to me so it could charge me {$89.00}. The original 6-month fee I paid to XXXX XXXX in XX/XX/XXXX was only {$44.00} and their automatic {$89.00} charge was sprung on me by surprise. I fear Wells Fargo Bank would have automatically paid out any amount XXXX  XXXX charged me without ever bothering to get my re-authorization first.

I immediately phoned Wells Fargo Credit Card Claims Assistance to file a claim that I had been overcharged {$30.00} ( {$89.00} - {$59.00} = {$30.00} ). Wells Fargo confirmed to me that {$30.00} was refunded via their Claim # XXXX. I thought this resolved the matter.

However, XXXX XXXX subsequently sent me emails that since Wells Fargo had a " claims investigation pending '', they had cancelled my subscription entirely and I would have to pay them {$59.00} again to restart it. As far as I knew, XXXX XXXX already had collected and kept {$59.00} from my {$89.00} payment. But XXXX XXXX insisted I would have to get that refund from my " bank '' which is Wells Fargo.

When I contacted Wells Fargo Claims again by phone I was told the case was closed and could not be re-opened. I even wrote a letter with full email documentation to Wells Fargo Senior VP for Claims Assistance XXXX XXXX XXXX about this, and he ignored it. 

So XXXX XXXX insists Wells Fargo must process my {$59.00} refund, and Wells Fargo refuses to do anything about it. Given Wells Fargo 's history of questionable banking practices, it may have created some internal procedure to keep my {$59.00} for itself. I would consider that fraud! 

I am already siphoning my accounts to other banks that provide proper customer service.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
ADDRESS XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ACCOUNTS/INQUIRES/ COLLECTIONS XXXXXXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you. 
XXXX : XXXX XXXX XXXX UCC 1-308
Product: Credit reporting or other personal consumer reports

I have XXXX closed accounts that resulted from identity theft. I just recently looked at my credit report and seen incorrect information. I do not recognize the accounts.I am filing a complaint regarding identity theft, as my personal information has been used fraudulently without my consent. I recently discovered that someone has falsely used my identity, leading to unauthorized activities that may impact my financial and personal records. 

I request an immediate investigation into this matter and assistance in resolving any fraudulent accounts or transactions linked to my name. Please advise on the necessary steps to protect myself from further harm.
Product: Credit reporting or other personal consumer reports

I am a small company, last year one of my large accounts decided that they would take my product, but not pay me for that product. This was a very large amount of money, over XXXX for us. They took my Fruit without paying us for my year-end crops. 
Leaving us in a very difficult hardship, of not being able to pay bills. I had to go on Forbearance. The Forbearance and shortage of monies that resulted in myself not being able to manage all of my bills, is a direct result of XXXX XXXX XXXX XXXX, and a combination of some early season temperature fluctuations, resulting in Cherry Crop price fluctuations. The total effect was a complete shortage of funds on my part. 
I feel that the negative Credit Bureau Reporting was overkill and only served to hurt me further. Who ever goes on a Mortgage Forbearance for FUN?????
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding incorrect information on my credit report as reported by your agency which are XXXX, XXXX, and Equifax. I have identified multiple late payments attributed to my accounts with XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX I have already contacted each of these lenders, and they have advised me to reach out to you to have these inaccuracies corrected. 

Under the provisions of the Fair Credit Reporting Act, specifically 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless they have implemented reasonable procedures to ensure that periodic statements are provided to the consumer at least 21 days before the payment due date. Additionally, according to 15 USC 1681i, no person shall furnish information relating to a consumer to any credit reporting agency if they know or consciously avoid knowing that the information is inaccurate. 

Despite my previous correspondence with your bureau regarding these inaccuracies, the late payments remain on my credit report, adversely affecting my credit score and hindering my ability to secure housing for my family. I am requesting that you promptly investigate this matter and remove these erroneous late payment entries from my credit report. 

If this issue is not resolved in a timely manner, I will have no choice but to pursue further action, including filing a lawsuit against your bureau for the reporting of inaccurate information on my credit report. 

Thank you for your attention to this matter. I expect a prompt response and resolution to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on my report
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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: Money transfer, virtual currency, or money service

Issues with fees being applied via zelle and delays in transferring money
Product: Mortgage

Ocwen has taken several payments and took over 3 months to refund them they take more than the payment due each month and then call multiple times telling me i am not current i have contacted managers and no response i have had over XXXX issues with this company and no resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these ACCOUNTS and I am certain they are fraudulent. I am requesting that you take immediate action to remove them from my credit report.
Product: Mortgage

On or about XX/XX/year> I made an agreement with a Trustee and Wells Fargo in the Sum of {$13000.00}. And I was informed by Wells Fargo that all Sheriff Sales and Foreclosures will cease. However this is not the case as you can see in the attachment. So just as in the past Wells Fargo continues to discredit themselves even to this day. And Im requesting that you all fully investigate this corruption and constant harassment. Plus on XX/XX/year> I sent them a mortgage payment of {$650.00} and to this day they have not credited this to my account. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Harris and Harris Ltd has a collection account on my credit report. The number they have listed to contact them doesnt work. Theres no way for them to verify the acct at all. I disputed it with XXXX to see if they had a different means to contact the company. The dispute took less than 6 hours. Somehow XXXX verified the account but I have no way of verifying it or even settling the alleged debt. Heres the number they have listed that DOES NOT WORK and has not worked for over a week XXXX
Product: Debt collection

Accounts keep showing up on my credit report that aren't mine. It's not even showing late payments or what is due. This keeps happening and it's feeling like they are scamming me all the time