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

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

XXXXXXXX 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 XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX IM WRITTING THIS EMAIL BECAUSE CHIME FAILED TO PROVIDE ME WITH PROVISIONAL CREDIT FOR A TRANSACTION THAT WASNT SUPPOSE TO GO THROUGH. 

THE TRANSACTION IS FOR {$160.00} CLAIM XXXX AND I WOULD LIKE TO RE OPEN THIS CASE AND HOPEFULLY BE ABLE TO GIVE MY MONEY AS QUICK AS YOU GUYS SAID NO TO AN UNATHORIZED TRANSACTION. 

That was the email to chime after providing documents that they double posted my account, spoke to the manager at the time and was the worst possible experience Ive had at any bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute the accuracy of the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accounts that have been reported on my credit report. After reviewing my credit report, I have noticed that these accounts contain inaccuracies and errors that need to be investigated. 
I am requesting an extensive investigation into these accounts and information on how these debts have been verified as accurate. Specifically, I would like to know which tools were used to validate these alleged debts and what evidence was used to certify them. I believe that this information is necessary to ensure that all relevant information was taken into account and that these accounts are accurately reflected on my credit report.

I also believe that the reporting of these accounts may be in violation of various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Therefore, I request that you investigate these matters thoroughly and take appropriate steps to correct any inaccuracies in the reporting of these accounts.

Please keep me informed of the progress of your investigation and any actions taken as a result. If any of these accounts can not be verified as accurate, I request that they be removed from my credit report.

Thank you for your attention to this matter. I look forward to hearing back from you soon. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to Experian with several items on XX/XX/2022. I ask for them to delete this items do to me never sign any agreement with such companies. They responded, they will investigate on or before XX/XX/2022. 
After 30 days they concluded that all was verified and no deletion or changes was made to my file. I then proceeded to send an escalation letter and a 609, letter included, I also mention penalties. 
As of today The only deleted total of 3, 1, one being child support. 2 of this items are from The Child Support Agency, this 2 are by far the most harmful to my daily leaving. ( but they deleted 1 ) Escalation letter had a due date of XX/XX/2022. 
I will mark deleted ones on my attached file.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$310.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$110.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that TransUnion has unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that was not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section XXXX ( a ) ( XXXX ) 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. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Inquiries : 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 My identity has XXXX stolen Transunion is hereby put on notice XXXX 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this. The following credit reporting agencies are reporting several inaccurate late payments on my credit report. And several inquiries that I havent approved of. Experian, XXXX and XXXX.
Product: Debt collection

I had medical insurance of through the state of which I provided the information to the company back in XXXX when the matter arose. In XXXX I was placed in collection for this debt with CMRE. I had spoken with them on several occasions even disputing this debt and requesting validation of the debt. I was never provided such information upon my request. Due to the matter being incorrect it was removed from my credit reports. However CMRE violated fair credit act by re-aging this debt and changing the amount in order to place this debt on my credit report again. The debt they are now claiming is XX/XX/XXXX of which I have had medical insurance over the last XXXX.
Product: Debt collection

I received collection calls about a XXXX debt from Midland Funding / Midland Credit for about {$1300.00}. I told the person at the time that I don't know a XXXX  debt, that I don't have any credit card debt for that amount, that I have been dealing with stolen Identity and requested proof of debt. 

They told me they purchased the debt and said they would note my account as disbuted, I have never received any documentation. To date I still don't have details. 

In the meantime, I have since found out that my identity was stolen from an anesthesiologist office prior to 2016 and am now a monitoring member of the class action A week ago I was served with a summons that I am being sued for said debt in XXXX county. Today I contacted Midland about the suit and they confirmed that the account is listed as and currently disputed and gave me the Attorney 's office number which I contacted and also explained above, he said he will note the account as disputed, when I asked what it meant for the law suit he just said he couldn't give me legal advise. So tomorrow morning I have to go to the courthouse to file a response over something that was disputed and never substantiated. 

The person I spoke to at Midland today confirming the account is listed as disputed is XXXX XXXX and the person at the attorney 's office was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating my rights as I am allowed a fair and accurate credit report. The account they are reporting is paid in full and closed as of XX/XX/XXXX which has not been updated. I also did not sign a contract stating that this could be listed on my credit report which is also in violation according the the fair credit reporting act. I demand that this be updated to correctly reflect. 
In reference to TN child support
Product: Credit reporting or other personal consumer reports

My credit file/report is furnishing multiple names, addresses, and wrong employment information. I request that the credit reporting agencies update my credit file to reflect my proper address, one name, and correct employment. I was told that those were credit history and can not be removed. I informed the agencies that the previous addresses are non-mailable and improper. I informed that of my correct and true name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I purchase a new car from XXXX XXXX XXXX they call my job on XXXX to verify employment. My job XXXX Mississippi XXXX XXXX XXXX pulled their own credit report without my permission and also had Regions Bank locates in XXXX, Mississippi to pull my credit report all done on XXXX without my authorization or signature.
Product: Debt collection

Under 15 USCA 1692 c of the Fair Debt Collection Practices Act, this is my formal notice for you to cease all telephone calls except for those permitted by federal law. I am not cutting off communication with your company but rather reduce all communication to writing from here on out. 

This letter is your formal notice to cease the pursuit of a debt that has already been paid, and for you to confirm the {$0.00} balance owing on the account in the referenced matter below. I'd also like you to confirm that you in fact accepted my payment of {$140.00} on XX/XX/2020. 

The debt was originally owned by XXXX XXXX XXXX XXXX for tolls. 
The account number given will be the license plate number will be included in this request under account number. 

On XX/XX/2020 after being given verbal permission from XXXX XXXX ( Which was recorded ) a Transworld Systems Inc. representative and I made a verbal agreement to pay the specific settlement amount of {$140.00} in exchange for the account to be closed. I paid the agreed settlement amount of {$140.00} which I have proof of via bank statements. Transworld Systems Inc. tells callers before the conversation even starts ; that the phone call is being recorded. So they have physical proof of this phone call. I would like to request a transcript of this phone call as proof that my debt has been paid and should be closed. This is no longer an open account. 

I have had two calls with Transworld Systems Inc. in which information was being provided to me about the account with no problem. On the 3rd call to check on the status of the closed account. Transworld Systems Inc. took it upon themselves to revoke my given permission to negotiate on behalf of XXXX XXXX for the debt owed. 

I am willing to take legal action if this account is not closed within 15 days of receiving this request. I am willing to take legal action if I do not receive a written response ( including a written transcript of phone calls between me and Transworld Systems Inc.representatives ) within 15 days of receiving this request. 

Sincerely XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2021 I submitted my monthly car loan payment, due on XX/XX/XXXX. Several days later, I realized that the money had not left my account. I logged into my account and noted that my XX/XX/21 payment had been reversed and I was charged a {$50.00} fee. I never received email notice of this. I chatted with an online representative who informed me that the account number I had entered was missing a number and that the fee could not be removed until I my payment was posted. That day, XX/XX/2021, I submitted payment in full minus the late fee. The following Monday, I logged on to see if the payment had posted and it had. I chatted with another representative who informed me that this was not a late fee, but an annual fee. A few days later I received notification in the mail that I had been charged a {$50.00} fee for " return payment fee. '' The notice notes that " a payment posted to your account has been returned by your bank '' On XX/XX/XXXX, I called Truist Bank and the representative told me that the fee could not be reversed because my payment had been returned. This is inaccurate. I inadvertently entered the wrong account number therefore, no payment was returned by my bank as the account number was incorrect - there was no bank tied to the account number entered. I should not have to pay a {$50.00} fee for a payment that was ( 1 ) not returned by a bank and ( 2 ) was paid well in advance of the due date.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. This is my new complaint that I was affected by inaccurate credit report data and I write to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an incorrect credit information : 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 XXXXXX/XX/XXXX. These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my accordance with the fair credit reporting & XXXX  account # XXXX, XXXX # XXXX, XXXX XXXXl # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15.USC.1681 section 602. A states that I have the rights to privacy.

15.U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

In XXXX the man XXXX XXXX took a deposit from me on Cashapp. This was for an apartment. After a while they had sent me back a fraudulent check and the bank disposed of it. As of XX/XX/XXXX Ive attempted to work with Cashapp to get my money back and to help we with the scammer that still has an account on their app. They will not help in any regard. I want to file a police report as well to at least get this handled and Cashapp is seemingly protecting this individual.
Product: Payday loan, title loan, or personal loan

I paid off my loan in full on XX/XX/14. The company then continued to remove funds from my bank ( ~ {$320.00} ) after I had received notice that I had paid off my debt.
Product: Mortgage

This is the second time we have had to file a complaint ( complaint number XXXX ). My brother is the homeowner but I have been communicating with the mortgage company since the beginning on behalf of my brother. I am authorized to communicate with them. My brother lost his job at the beginning of the year. The mortgage was transferred from XXXX to Bayview Loan Servicing as of XX/XX/2018. He filed for a loan modification in XX/XX/XXXX. After XX/XX/XXXX when they kept asking for copies of his paystubs I reminded them numerous times that he was no longer employed and could no longer afford to keep the home. He wanted to do a deed in lieu as he no longer wanted to keep the property, I was told by Bayview that they do deed in lieus very rarely and they wouldn't recommend it. I told them that he had to vacate the home as he could no longer afford the condo assessments, utilities, etc. They kept insisting that there was someone still living in the home even though I told them that their appraiser took photos of the wrong unit and that my brother 's unit was clearly marked with his name and unit. They finally admitted they had the wrong unit after we filed the first complaint. The second time I told them he wanted to do a deed in lieu I was told he couldn't do it until the loan modification was denied. They sent the denial to his vacant home dated XX/XX/XXXX ( over 6 months from the time he filed it ). They stalled for over 6 months. They knew he was living with me and had no idea they sent a XXXX   package with the denial until much later. He was served with a complaint for foreclosure at my residence on XX/XX/XXXX. The complaint indicates you should call your mortgage company or the attorney for help. I called Bayview, left a message and got no return call. I called them again, got someone who didn't have a clue what she was talking about so I asked to speak to a supervisor. I was told he was in a meeting and would return my call. Never did. I called their attorney 's office and was told to call the mortgage company. I will be filing a complaint against this company with every government agency I can think of.
Product: Credit card

On XX/XX/2024, my XXXX account was hacked. XXXX stole {$350.00} using my XXXX and CITI Bank accounts. Finally, XXXX XXXX  refunded my money {$350.00}. But CITI Bank refunded me {$350.00} first on XX/XX/2024 and finally the bank got my {$350.00} back on XX/XX/2024. This amount is just that big. I asked for a signature or proof of a legal document or contract but no one could give it to me. Why did Citibank take my money {$350.00}. I don't need to buy it at all and have no idea what it is? Why do I have to pay? Why can't banks protect consumers ' rights?
Product: Debt collection

I called and inquired about the alleged debt that they was reporting on my credit report and asked them to stop reporting it on my account as I do not have any business with them or the company they said that they bought the debt from ( XXXX )
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATION. 

I submitted a claim, MULTIPLE TIMES NOW, they refuse to answer my questions on the phone, they refuse to work with me, they refuse to find a solution and help people who are innocently suffering with false inquiries. The company stated as follows : XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reviewed the complaint and attachments. Our records show that XXXX XXXX applied for an auto loan on XX/XX/2023, via newroadsautoloan.com. XXXX received the credit application electronically. A copy of the disclosure and consent is attached. Ultimately, XXXX did not finance XXXX XXXX. If XXXX XXXX believes that the inquiries were submitted in error, please provide additional information to our Credit Report Response Team for investigation at XXXX XXXX XXXX XXXX XXXX, Attn : Credit report Response Team, XXXX XXXX XXXX, XXXX, CA XXXX. However, I did not authorize them to access my credit report. I have not spoken to ANY personal at this company to do such as long as I have lived on this earth! I do not know anything about this company. I could not tell you what they do or what their company offers- if they offer any services. No clue is they are even reliable or accreditable. I have never encountered them, do not wish to, and do not need to.
Product: Credit reporting or other personal consumer reports

With in a hour experian closes 3 complaints without having addressed the problem but gives absolutely absurd explanation
Product: Money transfer, virtual currency, or money service

In XXXX, I became a victim of an online investment fraud scheme realised through the following platform XXXX They deceived me that they are fully licensed to operate as a financial broker, while in fact they were not. As I do not have special knowledge about how lending platforms operate and how they are regulated, I trusted the information of XXXX and followed their " investment '' advise. In particular, they told me to buy crypto from Celsius and to transfer it then wallets nominated by them, which assumingly are not hosted by www.celsius.network. 
Acting in good faith and following advice, tI made an account with www.celsius.network, and made series of payments for purchasing crypto. Total amount of the payments is BTC XXXX and ETH XXXX, distributed in multiple transactions, some of them were sent At certain point, XXXX XXXXplatform, where I have invested BTC XXXX and ETH XXXX simply closed and disappeared without giving me the chance to withdraw my investments. Once I realised that I was victimised and deceived, I sought for a specialised help. At this stage, it was explained to me that crypto-transactions are not completely anonymous and that the obliged entities, such as Celsius, are under the obligation to collect and to keep record of certain basic information about each outgoing transaction, including about the obliged entity hosting the beneficiary wallet and about the person controlling the beneficiary wallet ( so called " travel rule '' ). I consider myself entitled to such information as it concerns only my transactions and I have justified legal interest to know to whom I have paid. Following this understanding, I asked Celsius to provide me the information they should have collected about my transactions by applying the travel rule. A letter of demand was sent to Celsius on XXXX. Unfortunately, Celsius failed to respond and to provide required information. Celsius advertises itself as FATF compliant. If they are, they should have collected this information and it should have been disclosed to me following my request. If Celsius is not FATF compliant and do not apply the travel rule, this could be a misleading advertisement and infringement of my consumer rights. In addition, this has harmed my chances for a successful recovery. See attached letter of demand to Celsius for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have me as a charge off from XXXXr there is nothing owed to this account
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX