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

I made a call to XXXX  about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  Ran unauthorized inquiry on XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received verification from the XXXX investigation that the accounts mentioned below were reporting accurately. I have attached all documents and circled the inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX user in coinbase/XXXX XXXX XXXX, my email address at coinbase is XXXX On XX/XX/XXXX I made a domestic transfer for XXXX $ from my commercial account named XXXX XXXX XXXX from XXXX XXXX, and I forgot put the Recipient Instructions/Message XXXX here are the payment details Username : XXXX Entered on : XX/XX/XXXX XXXX XXXX Company : XXXX XXXX XXXX  User Name : XXXX XXXX Approved 1 on : XX/XX/XXXX XXXX XXXX  BankReceived on :XX/XX/XXXX XXXX XXXX First Confirmation Number : XXXX Entry Method : Freeform   Status : Bank Received Account Type : ABA Bank Code Look-up Bank Code : XXXX Bank Name : XXXX   XXXX XXXX Beneficiary Bank Address 1 : XXXX XXXX XXXX XXXX Beneficiary Bank Address 3 : XXXX XXXX XXXX State : NY Account Number : XXXX Payment Total XXXX USD to 1 Beneficiary on XX/XX/XXXX I've sent several e-mails. they keep giving me an automatic response. they haven't tried to contact me. I need my money back or id like to have the funds on my XXXX  account.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed two fraudulent accounts. Please remove these accounts they are stopping me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XXXX ( CREDIT LIMIT {$170.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Credit reporting or other personal consumer reports

I have asked several times for negative items to be removed from my credit report due to reporting agency violating Fair Reporting Act. The agency claim to have verified debt but did not provide me with proof as requested. The agency then sent me a letter in the mail asking me to verify my address which is clearly on file. The agency also claim they couldn't locate my credit profile with the information I provided which is false due to them clearly being able to locate my credit profile and report inaccurate information. Due to agency clearly being able to mail me letters shows the agency has my address, email and phone number on file. Agency also has my social security number on file to locate my credit profile. I am asking for immediate removal of negative items to be removed from my credit profile due to non compliance of verifying debt. Any further violation of the Fair Reporting Act will result in a lawsuit.
Product: Mortgage

TJC Mortgage allegedly sold my note to XXXX who now does business as XXXX XXXX but they provided me with no documentation to prove the note was transferred. I had my broker run this account number and discovered the note is not held but any of the businesses it has been sold and also has made a substantial profit for them and whoever they sold it too. I went through all my original paperwork and I did not see anything about my note being sold and they would make so much from the proceeds. I was shocked to discover the millions my one note made and then they allege I owe them a debt. I went to the SEC website and found that each security must be registered upon the books and each sell should be documented if not the SEC and the FINRA could potentially fine the businesses. As a holder in due course of this consumer contract I have a right to enforce my rights and I do hereby declare my rights as the rightful owner of this security.

holder in due course Primary tabs A holder in due course is any person who receives or holds a negotiable instrument such as a check or promissory note in good faith and in exchange for value ; without any notice or suspicion that it is overdue or was previously dishonoured. Such a holder is entitled to payment by the creator of that negotiable instrument.

1 ) A purchaser of goods acquires all title which his transferor had or had power to transfer except that a purchaser of a limited interest acquires rights only to the extent of the interest purchased. A person with voidable title has power to transfer a good title to a good faithpurchaser for value. When goods have been delivered under a transaction of purchase the purchaser has such power even though ( a ) the transferor was deceived as to the identity of the purchaser, or ( b ) the delivery was in exchange for a check which is later dishonored, or ( c ) it was agreed that the transaction was to be a " cash sale '', or ( d ) the delivery was procured through fraud punishable as larcenous under the criminal law.

( 2 ) Any entrusting of possession of goods to a merchant who deals in goods of that kind gives him power to transfer all rights of the entruster to a buyerin ordinary course of business.

( 3 ) " Entrusting '' includes any delivery and any acquiescence in retention of possession regardless of any condition expressed between the parties to the delivery or acquiescence and regardless of whether the procurement of the entrusting or the possessor 's disposition of the goodshave been such as to be larcenous under the criminal law.

[ Note : If a state adopts the repealer of Article 6-Bulk Transfers ( Alternative A ), subsec. ( 4 ) should read as follows : ] ( 4 ) The rights of other purchasers of goodsand of lien creditors are governed by the Articles on Secured Transactions ( Article 9 ) and Documents of Title ( Article 7 ).

[ Note : If a state adopts Revised Article 6-Bulk Sales ( Alternative B ), subsec. ( 4 ) should read as follows : ] ( 4 ) The rights of other purchasers of goodsand of lien creditors are governed by the Articles on Secured Transactions ( Article 9 ), Bulk Sales ( Article 6 ) and Documents of Title ( Article 7 ).
Product: Student loan

EdFinancial Services has been transitioning into their new system. I made a payment to pay off three loans in XXXX. There was no issue with the payment or it being applied to my account. Now that payments are set to be due in XXXX, there is no online payment functionality to be found. My account keeps showing a XXXX dollar balance even though I have multiple loans accruing interest at this point. I can't make a payment at all. I have tried contacting the company through phone lines, but never get through. I have sent an email from their site. I have tried using their chatbots to get ahold of someone. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency Namel, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in? a similar manner. Please review the Inaccurate Information being report : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern, Hi my name is XXXX XXXX XXXX, I really have hard time to access all my belongings and there are so many suspicious activities that stop me to do what Im doing, and I already spend 3 months since I have identity issues. My privacy and device is like a XXXX XXXX, I feel a lot of people without provide me anything just access my phone. Information changes, deleted, and XXXX keeping receiving new happenings, and by verified my identity I already spend 3 months, because some of the documents are very confusing and I also have English problems, so I was doing slow. But some of the identification I dont know why its so hard they keep verifying me over and over like play games. Then I got blocked then I have to wait, then someone access my phone then scammers came deleted and got my account password. Then I have to restarted doing everything. Then you guys dont give me enough time since I have many problems and a lot of BLOCKS make me even more slower. After I finished then there is new things came out. Those days are the most stressful and frustrating days in my life. Can you guys wait for me at least? Or send someone to help, otherwise its going to be the same. The easiest way is someone that can follow up to make sure Im doing good which the witness can know its me, and Im safe, and no one else access my information. Otherwise its became more complicated and I dont understand and cant follow up your speed! Then scammer access my phone, then you guys make another activity, then I follow, then scammer came again. Thats a infinite recycle, lets find out a new solution which can be easier, more simple, smarter instead that unlimited recycling. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus has clearly neglect to provide me with an accurate credit report I submitted countless documents to proof my identity, I have been a victim and the past and present of identity thief, I have submitted valid police reports on these fraudulent accounts even contacting the creditors of these matter. Going as far as filing a FTC report as well on these matters. I have spoking to all 3 credit bureaus about these fraudulent accounts and charges on my credit report collection account XXXX XXXX XXXX is fraudulent account {$1400.00}, faccount name XXXX  XXXX fraudulent account charges {$1000.00}, XXXX XXXX  XXXX XXXX  fraudulent account and charges {$910.00} and {$1200.00} XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX account is a inaccurate account ( this account is pay as agreed ) which documention was send to the bureaus., do to the credit bureau not updating my correct address, correct phone number and personal information has allowed these fraudulent accounts to damage my credit, the bureaus nor the creditors hasnt provide my accurate information, my personal information in my credit file is wrong, they have allowed these creditor to surpass the statue of limitations on these accounts, not verifying the accurate information I have provide to them. They have insist to report inaccurate address, phone numbers, emails, which I have provide documentation proof of residence and ID to proof, the creditor is wrongful accusing me of these fraudulent accounts Im the victim, thats providing proof, and has ask the bureaus countless times and send letters to delete these fraudulent accounts, they have allow the creditors to not provide information, verifying these fraud account not updated my credit with the accurate information by my request which I have clearly has provided a driver license and lived attorney documentation residence for over 20 years. I have show proof of fraud, and have substain damage to my credit report due to countless violations on the bureaus part by not providing me a accurate credit report poor investigation when documentation was provided to rid these fraud accounts,, the bureaus are in violation of 15 US code 1681 ( a ) and ( I ) 15 US code 1681 C-2 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) and ( 5 ) 15 US code 1681m ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been consistently abusing their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letter that I've previously sent via certified mail. This company isn't going by the boundaries of FCRA, FDCPA and The Coronavirus Aid Relief and Economic Security ( ChChch ) Act.
Product: Debt collection

National Principal Group has contacted family members more than once, although they have admitted to me on a " recorded call '' ( their words ) that they can only call a family member once. They have contacted them in order to try and get me to pay for a single loan that I supposedly took out XX/XX/XXXX from XXXX XXXX XXXX. I said that is n't possible because I have n't taken any loans XX/XX/XXXX. They said it 's likely a payday loan. I asked for them to send the verification of debt to me so I could look at it myself, and they said they only have the name of the original creditor, no other information such as loan documents to prove that I took a debt for anything. XXXX XXXX XXXX is not on my credit report as a debt that I 've ever received. Today ( XX/XX/XXXX ) I received the documents of the supposed debt that I owe, except they 've included XXXX other debts that they did not mention in the phone call on XX/XX/XXXX. Very strange. They also sent these via email and not via mail. So far I 've received no original documents explaining the loan that I took out, and the " original amount '' on the document they sent is different than what they told me over the phone. Luckily their phone calls are " recorded for quality '' as they told me. Another interesting tidbit is they claim that they can call my family members and friends as much as they want if I do n't pay the debt and my family does n't issue a cease and desist letter. This is actually a violation of the law as well, one relative has both of their voice mails from consecutive days, and again luckily National Principal Group records these calls for " quality ''. One call to a family member is all that they are allowed, and within two days they 've called the same person twice.
Product: Checking or savings account

My name is XXXX XXXX XXXX, My bro account no : XXXX XX/XX/XXXX a fraudulent check was written out of my account for {$79000.00}. I have called the bank multiple times to file a dispute and I was told they were working on it and I should be getting my funds sent back to my account. as of today XX/XX/XXXX I haven't gotten my funds bank and BMO is giving me the run around about this situation. I can't talk to anyone in the fraud department since they don't allow customers to call directly. I need my fund to take care of my family please. I have been waiting for XXXX  months and still haven't gotten my funds back
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my Barclays Carnival Credit Card. I submitted a dispute for this charge via the Barclays website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next XXXX business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, Barclays continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, Barclays fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and Barclays admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. Barclays fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Social Security : XXXX Describe What Happened : I am filing this complaint to demand action from Equifax regarding its repeated negligence and mishandling of my dispute. I have attempted, on multiple occasions, to dispute erroneous information on my credit report stemming from my documented experience with human trafficking. This information is not only inaccurate but is also damaging to my financial history and well-being. 

On XX/XX/year>, I submitted my initial dispute to Equifax by XXXX certified mail with return receipt. This was confirmed as received by an Equifax representative, XXXX XXXX. When I followed up to confirm, I was told there was no record of my dispute, and I was directed to resubmit it through Equifaxs online portal. 

Following this instruction, I resubmitted the dispute online on XX/XX/year>, and received a confirmation of receipt. Despite this, when I followed up again on XX/XX/year>, I was informedyet againthat Equifax had no record of my dispute, and I was told to resubmit it. 

This repeated negligence and lack of accountability on Equifaxs part is unacceptable. I have taken all necessary steps, provided documentation, and followed Equifaxs instructions to resolve this matter, yet Equifax continues to ignore my requests. These delays are not only causing significant stress but also continue to perpetuate harm due to the inaccuracies remaining on my credit report. 

I am demanding immediate intervention by the CFPB to hold Equifax accountable for its gross mishandling of my dispute and to ensure that Equifax addresses my case promptly, accurately, and with the urgency it deserves. 

Thank you for your attention to this matter, and I expect swift action. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( This is a continuation of complaint # XXXX ) This is a follow up on the detailed complaint, since your companies response I have continued to request the nature of the accounts validation to be provided. During this process I was notified that a series of letters I had submitted were " thrown away '' ( Recorded call early XXXX ). These inaccuracies and your companies unwillingness to thoroughly vet these accounts has put unbearable strain on my financial health and is now in violation of my fair credit reporting rights. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The XXXX first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB XXXX portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.