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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Hi Madam/Sir, I had a plan to invest in the stock market. That is why I subscribe to XXXX XXXX XXXX ( Paying $ XXXX ) to learn about stocks. I am a fan of XXXX XXXX who owns XXXX XXXX XXXX XXXX XXXX XXXXl. As a clear value subscriber I join XXXX XXXX XXXX XXXX XXXX XXXX  ). After a few days of joining the XXXX server I got a message from XXXX XXXX regarding investment help. I thought he is realXXXX XXXXXXXX and started communicating with him. I told him I want to invest $ XXXX in stocks and help to pick the right stocks. He told me to invest through XXXX XXXX XXXX, so you will be more beneficial and risk free. Before starting investment he told me that he is XXXX XXXX and he owns XXXX XXXX XXXX and XXXX channel as well. After that I have invested {$10000.00} to XXXX  for XXXX years. Then he gave me his vendor 's ( XXXX XXXX ) bank account details and told me to do Wire transfer to her account and she will transfer bitcoin to XXXX XXXX. Then I have transferred $ XXXX to his vendor bank account. At this stage I have given him ( $ XXXX + $ XXXX ) $ XXXX. He was always pushing to top up the account. Then he said yes you can earn a monthly basis which will help to resolve financial problems but you have to deposit $ XXXX then I can enroll you monthly basis. Then XXXX let me arrange money and let you know. After arranging $ XXXX I did multiple wire transfers to his vendor account. After 1 month of deposit when I asked for my monthly earnings withdrawal he was telling me you have to deposit another $ XXXX for my wife 's account. My family is struggling very badly because I am paying monthly installment of credit card transfer money and family expenses. I have XXXX kids and I am the only earning holder of my family. 
I did the following Bank wire transfer of {$58000.00} and all together I gave him {$63000.00}. 
Bank Account Info : Bank Name : Alliant Credit Union Bank Account Name : XXXX XXXX Checking Account : XXXX Routing number : XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXX, PA, XXXX Bank Address : XXXX XXXX XXXX, XXXX, IL, XXXX
Product: Credit card

I'm desperately appealing for the removal of this mixed up late installment from my record. My predictable history of opportune installments goes against this section, which is causing me pointless. I encourage you to address this blunder by refreshing my record quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  XXXX  receive negative information on my credit report that adversely affected me from getting a home loan.This company Afni inc has filed a delinquent account with the 3 credit bureaus under my social security number for an account that is not related to me. This posted on my credit report as of XXXX XXXX. I followed up with a dispute letter an later an validation letter no response. So on XX/XX/2020 I resubmitted an validation letter and on XX/XX/2020 my credit report was updated and reported as previously in dispute - now resolved by subscriber. I have never heard of this company before nor had an account with them. This company has never reached out too me about this account or sent out any documentation about this item. I am looking for a swift resolution of removal from my credit file to continue the home loan process.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my credit report account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : 1. ) Account Name : XXXX XXXX Account Number : XXXX 2. ) Account Name : XXXX Account Number : XXXX 3. ) Account Name XXXX Account Number : XXXX 4. ) Account Name : XXXX XXXX XXXX Account Number : XXXX 5. ) Account Name : XXXX XXXX XXXX Account Number : XXXX 6. ) Account Name : XXXX XXXX XXXX Account Number : XXXX 7. ) Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this complaint to follow up the previous complaint I submitted on XX/XX/XXXX requesting the removal of the fraudulent information from my Credit report. I sent a letter on XX/XX/XXXX to remove the Accounts and Inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX & I am including these fraudulent items once again : XXXX XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. EXPERIAN IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681 : I HAVE RIGHT TO PRIVACY AND I DID NOT GIVE EXPERIAN WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute certified letter on XX/XX/23 to TransUnion about the validity of account XXXX  # XXXX which was received on XX/XX/23 @ XXXX ( letter uploaded ). As of XX/XX/23 the report showed it was updated XX/XX/23 well after they received the letter but had yet to note that account was being disputed which is required by law [ XXXX us code XXXX ]. Then on XX/XX/23 the report showed that it was updated on XX/XX/23 and now showed a dispute note which is clearly fraud. They basically tried to back date themselves out of a clear violation. I have update screenshots of all supporting documents.
Product: Credit card

I paid my balance in full using my debit card for XXXX on XX/XX/XXXX. When paying by debit card the funds come out of an account when the purchase is made. However Lowes XXXX refuses to process the payment until an undisclosed time in XXXX per the manager. When I asked why she stated because XXXX is a large amount. When I explained that by not processing the payment when made the debt would still show on my credit report for another month as owed, that the debt would impact my debt to income ratio, and that I believed this violates fair lending laws she responded this is how we do the payments. When I explained to her that by not processing the payment I would continue to be charged per diem interest she said this would not happen. I am complaining because I paid the amount owed in good faith and it should be processed when presented
Product: Credit card or prepaid card

I applied for credit card at the children place store and I told the cashier that the address On my state ID is not correct .She stated to me no problem and I gave my right address to the cashier. I do not usually use the card .I made a purchase and the store was purposely sending my statement to the old address because they want to get interest.I have email associated to my account but they never send me email statement or statement to my new address. 
I was surprise to get the mail from them to my new address when I did change of address with post office. When I called them they then change the address but it has done great damage to my credit and I AS WELL PAYED INTEREST ON THEIR OWN ERROR WITH RUDE CUSTOMER SERVICE ON THE PHONE. 
The card is payed off and closed.. 
I never knew it hurt my credit till recently that I went for car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what is this Account is about? Can you send more Accurate Information about this Account? Where did this Account Pop up from all of a Sudden? While Reporting this information to CFPB it won't allow me to put my last 4 digits my SS # That's seems to be very Fishy to me
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them.Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$300.00} Account Name : XXXX  XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : -
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, I have sent multiple disputes challenging the inaccuracies of the information listed on my credit report. The credit Reporting Agencies have Refused to Removed fraudulent accounts. I have attached Police Report and most recent Disputes along with a Notice of Intent to Sue.
Product: Credit reporting or other personal consumer reports

Collection Agency XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Original Creditor Name Advance America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Re : Account Number : # # # # # # # # # # # # XXXX Date of Credit Report Notice : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt listed on my credit report under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a notification that this debt was reported to the credit bureaus, but I have not received a validation letter from your agency as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the FDCPA, debt collectors are required to send consumers a written validation notice within five days of their initial communication regarding the debt. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.
Product: Debt collection

I was applying for a rental property and was denied because they said I had a collection on my account from XXXX which I had no knowledge about been trying to dispute it and XXXX told me that the ss number that the company has is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to rebuild my credit score download of XXXX XXXX look at it everyday get alerts noticed on XX/XX/2019 cbna for the hard inquiry and I'm wondering how can that be since I don't know who they are where they are and I didn't apply for?
Product: Checking or savings account

I sent verifivation of money being transferred from XXXX XXXX  to USAA, however USAA claimed they never received the money even though XXXX sent them tin proof.
Product: Credit card or prepaid card

Wells Fargo offered me a balance transfer. I accepted this and created an online transfer to XXXX XXXX XXXX in the amount of {$2600.00}. I have the Wells Fargo e-mail confirmation dated XX/XX/XXXX. I received a fraud alert on Monday XXXX for a {$5300.00} charge. I called the fraud Dept. Told them what I was doing on XXXX. I was told this had been entered twice by mistake. I was told they would fix the issue and get this transfer done. I called back on XX/XX/XXXX as I had not seen the transaction. I was told both were cancelled. I told them this was incorrect. They got me with another rep and I went through the whole transfer process on the phone. I called to check early tue following week and was told the transaction hadnt posted yet. I called back on XXXXas the transaction still had not occurred. I was passed off yet again to their complaint Dept. This lady sent me an e-mail XXXX XXXX is her name. I replied to her e-mail and told her this could still be corrected until XX/XX/XXXX. I received a call from XXXX XXXX and she told me about an e-mail she was sending. This e-mail was not going to correct the situation I requested on multiple times on hold to speak with a Supervisor. I was never given a Supervisor. She finally agreed to try and process the transfer. I told her I wanted a transcript of our entire phone call. She said I could send the interest charges that would accrue because if their failure to her and she would get it taken care of. She again had trouble with the request. She said she would call me back after she talked with someone else. I have yet to receive this callback. I am completely frustrated and angry at Wells Fargo. I gave them over 3 weeks to get a simple balance transfer completed and it still has not happened. I have never in XXXX  years had such a terrible experience with a bank.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) XXXXThe specific entry I am disputing is a bankruptcy filing that appears on my report. The date filed, reference number, closing date, and name of the court are being reported inaccurately across each credit bureau. I have attached documentation outlining these errors as well. I've also received a letter from the bankruptcy court clearly stating that they do not report or verify any information directly with any credit reporting agencies. I have attached that document as well. I have disputed this inaccurate information with Equifax, XXXX and XXXX. Unfortunately, there has been no resolution. I have verified that the information reported is incorrect and request that it be investigated and removed promptly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

On Friday XX/XX/25 received a text message on my phone from XXXX. The message reads and I quote : Confirmed {$430.00} charged from your Acc for your recent purchase # XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX Contact XXXX if you havent made a this. 
I did not respond to the message the phone numbers are not familiar, and I was afraid this was some type of scam. I made no such purchase. I checked all my bank accounts and credit cards and found no match to this purchase. However I did notice while I was checking balances that my Capital One credit card had several new purchases I had not made. In fact, I had received notification 6 months ago that my credit balance was to be lowered as I had not used the card in some time. 
Purchases included {$350.00} dollar purchase for XXXX XXXX I have not used in 2 years and several for XXXX that I know nothing about. I called Capital one and my card has been discontinued and will be issued a new one. They are also launching a fraud investigation. 
My concern is : how was my card accessed? 
I also received 3 weeks ago a text message stating my pre-paid XXXX card was ready and to click on a link to access. Again had no knowledge of this so I deleted the message. 5 days later I received a text that my Unemployment benefits would not be available to me any longer if I did not utilize my pre-paid XXXX card. I panicked I deleted the message. But now I wish I had not. 
No I have not applied for unemployment I work full-time. No I did not apply for a pre-paid XXXX card for myself or anyone else.
Product: Debt collection

Centric Assest Management called and said I owed a debt of XXXX from 2011 which they said I signed ion the Internet they will not provide proof and they said with interest now I owe {$1800.00} and I need to pay it immediately or they will take legal action against me. I never signed for a XXXX loan on the Internet and I never received anything in my bank account and do not owe this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I contacted by telephone Experian and was told that I could dispute inquiries that were not made by me, on my credit report. After being transferred I was told only one inquiry could be removed because it was a duplicate. I explained I had already contacted 2 of the inquiries and was told they had no record of my credit being pulled by them. Experian informed me that I would need a letter from each creditor and a letter from me before they could authorize any removals. Prior to that call, XXXX XXXX removed 9 unauthorized inquiries and that was because with them, like XXXX, my personal data had been compromised. I also explained that I did not think any creditor that did not have my authorization to pull my credit would admit to doing it by writing a letter! Currently the only inquiries that should appear on my credit is from XXXX and XXXX XXXX since I bank with them. 
Also, my debt usage is being incorrectly reported and I am unable to dispute online, they are informing me I must send them documentation in the mail before I can dispute anything! My debt ratio should be less than XXXX XXXX and they are reporting it as XXXX XXXX! My score is very low because of their mistake and I feel victimized by Experian. I am trying to apply for a mortgage and this incorrect information is going to prevent me from qualifying. Please help I am XXXX on limited income and can not meet their requirements for mailing and copying information. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX   ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$840.00} ; XXXX XXXXXXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Product: Credit reporting or other personal consumer reports

Please remove derogatory late remarks after two years. I am making every effort to improve my credit report. XXXX was 8 years ago.