23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I sent {$1400.00} to a person I thought was a landlord renting out an apartment in XXXX, turns out they were a scammer who had an account at the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX I filed a police report with the City of XXXX, MA and also called Bank of America to have the funds frozen/recalled/claimed back to my account. I was never given a claim number at the end of the five minute phone call and was told that everything would be taken care of at this point by Bank of America. Wrong. They never even filed a claim or recall, never even bothered to write down the police report number I gave them. 

Fast-forward to the present, XX/XX/2023 and I have been told that while the investigation still has XXXX more business days to proceed ( which I was lied to multiple times about what day I was on in the investigation ), but because the XXXXXXXX XXXX XXXX XXXX  has not responded to their internal messaging system ( which I have no proof of or any dates that they sent them on ) they will be denying my scam claim.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. States l have the right to privacy.

15 u.s.c 1681 section 604 A sectio 2 : lt also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I got medical treatment on XX/XX/2023 and I paid my expense from my XXXX account ( XXXX issued check on XX/XX/2023 ). I got several notification from my provider that my expense is past due and I contacted XXXX account and got the copy of check and sent it to the provider in accordance with provider 's request. It seems like XXXX issued check to the doctor not to provider ( XXXX XXXX ) and the provider is now trying to locate my payment with contact to the doctor. But in the middle of this, I got the notification from you that I owe you {$120.00}.
Product: Checking or savings account

My bank account was accessed and all of my money was wired out over night ( XXXX ) without any notification. I noticed the next morning my bank account showed a amount of XXXX, I called my personal bank they closed my account and said they will start a fraud investigation and this is when it started to get messy. They said they would restrict my bank account to allow my work pay to go in but nothing could come out instead they went on and closed the account so I had to end waiting a extra week for my pay and my wifes pay then I was sent the wrong debit card 3 times for my old account that had been closed instead of sending me debit cards for my new account. After not hearing anything for more then a month about all my money that was stolen I called today XX/XX/XXXX and they told the case had been closed for weeks and theres nothing they can do but told me I could call the place where the money went and try myself ( its not even a real place ) this is very disappointing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified info on my credit report to be inaccurate or identity theft. I have tried multiple times to get this information removed to no avail from the agencies involved. 

please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV funding has been re aging a collection account, which is causing me a financial hardship and purposely defaming my financial history as well as, purposely causing my score to decrease. LVNV deletes the account from the credit reporting agencies then adds the collection account as if it is a new one. Directly causing my score to go down. A direct violation of my rights according  to FTC.
Product: Debt collection

After receiving a copy of my credit file I seen this account listed which is unknown and not mine. I have disputed with no validation being received. Please help as this should not be listed
Product: Mortgage

To whom it may concern, In XX/XX/XXXX, XXXX for many diagnostic organizationsWere weaning & I was laid off from my position as a XXXX. With a XXXX month old baby in arms, my wife contacted our mortgage Lender ; Wells Fargo to propose refinancing our home mortgage. We were denied. Upon several attempts. Even after informing them that we would potentially fall behind on payments for 3-4 months due to unemployment. Upon missing our XXXX mortgage payment, Wells Fargo 's home Equity collections agent- XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX called us to inquiry. The agent understood our strife and offered an opportunity to negotiate the remaining balance of our XXXX mortgage ( {$120000.00} ). With Wells Fargo 's guidance, we graciously accepted the opportunity and settled our mortgage for {$18000.00}. Our payment was accepted the following day due to their stipulation that payment must be received within 5 business days of their XX/XX/XXXX settlement offering. 
On XX/XX/XXXX we received a letter from Wells Fargo stating that " After the settlement described herein, Wells Fargowill report your account to the nationwide consumer reporting agencies ( " credit bureaus '' ) as account paid in full for less than the full balance. Wells Fargo is not a credit bureau and can not control how the credit bureaus will report that information to other users of credit reports. If you believe the way this information is reported out by XXXX or more of try credit bureaus does not accurately reflect the way it is being reported by Wells Fargo, you should contact such credit bureaus directly ''. 
With regret we sold our home & we have been renting a small home in a different state for 19 months. 
Our credit score has rebounded since the settlement. However ; We attempted to purchase a smaller home in a different state. We were denied. 
We attempted to purchase an SUV to accommodate our growing children. We were denied. 
XXXX of the potential lenders informed us that the government changed the terms during our rental period : '1 yr till forgiveness ' was modified to '2 yrs till forgiveness '. With the statements that Wells Fargo has published Our credit report states that we are undesirable & unfit. Even though we are now able to provide a deposit of over half of the total cost of a home or vehicle in a cash. We were taken advantage of by a large predatory lender : Wells Fargo. If you you are able to offer us clarity, support & / or guidance. We would greatly appreciate it. 
Thank you in advance for your superior support.
Product: Debt collection

An improper, negative credit report entry was claimed by Pro Collect, which I only learned of through a XXXX XXXX notification. I had no notice of or opportunity to dispute the unverified and untrue adverse claim, have no information regarding the identity of and no details about Pro Collect beyond the XXXX XXXX notification ( limited to its name and XXXX XXXX XXXX as the claimed creditor ), and have never received any communication from Pro Collect. I owe nothing to Pro Collect or XXXX XXXX. 

The Consumer Financial Protection Bureau mandates a debt collector present a validation notice and contact an alleged debtor before it sends information about the alleged debt to a credit reporting company, none of which occurred. The collector is required to but did not speak with me in person or by telephone, and never mailed a letter or sent an electronic communication to me. 

If an alleged debt is purchased by a collection agency, they must notify the alleged debtor ; no notification was received. The law requires receipt of written notice within five days of the debt collector 's first attempt at contact ( no contact in this case ) which must include the amount claimed, the name of the original creditor, and a statement of the right to dispute the debt, along with a tear-off form that can be sent to the collector to dispute the debt or take other actions. See 15 USC Section 1692g. Again, there was no communication whatsoever from Pro Collect and their claim is unfounded. Pro Collect has violated Section 809 and other provisions of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1681s-2, and other provisions of the Fair Credit Reporting Act. In addition to the immediate removal of the false report, Pro Collect is subject to civil and other penalties. See 15 USC Section 1692k, et al. Specifically, I was not furnished with the name and mailing information of the debt collector ( only know the name because of XXXX XXXX ), name of alleged creditor ( only known because of XXXX XXXX ), account number associated with the debt ( none shown ), itemization of the current amount of the debt ( no valid debt, claimed amount not itemized ), current amount claimed for the alleged debt ( no amounts owed and no validation notice provided ), or information about debt collection rights, including how to dispute the debt ( never provided ).

This is a request for your review of this matter, removal of the inaccurate, unsupported, and improper information wrongly claimed in my financial file and restoration of my excellent credit score, cessation of collection efforts for the non-existent debt, and imposition of appropriate sanctions against Pro Collect. I owe nothing to Pro Collect or XXXX XXXX and have no liability whatsoever to either ; any claim and report are fraudulent and false, and there exists no legitimate support for the invalid assertion in the credit report. The incorrect and improper reporting has resulted in severe and negative consequences to me. I note the extensive complaint history against Pro Collect in the CFPB database, which is reinforced by substantial negative entries with XXXX XXXX XXXX, XXXX, and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Product: Student loan

I have been attempting to get hardship with this company since XXXX 2016 on my private loan. At the time, I had Chapter XXXX bankruptcy protection ; it was dismissed due to me being unable to make payments once I lost my job. Once I notified them of my unemployment situation, all of my Federal loans I had no problems getting unemployment/hardship approval. But not Navient, with the private loan. They in fact flat out refused to allow me to defer payments. On top of that, the only repayment option offered they would not provide terms in writing until I made 3 payments The payment amount advised is not something I can afford to do. One representative even said the government gives them the protection to do this and they pretty much owned me cause I 'm behind and my situation does n't matter. She then went on to say, I owed them they can do what they want. How are yo
u allowing this company 's private loan side do this to consumers? I 'm presently going through Chapter XXXX and in speaking with them ( cause they still continuously call ), they say it does n't matter. Why is the government allowing the private side to have the ability to be so unforgiving of people who prove they fallen on hard times? Why be so secretive with payment options and allow private student loan lenders to refuse to provide details/terms of agreement prior to entering into payment agreements? I have proven to the Federal government I 'm not financial able at this time to repay my loans ; and granted a year forbearance. Why are you allowing private student loan lenders to create different rules that they knowingly will result in a borrower defaulting? They should have to abide by the same terms and provide the same hardship options as the federal government, when it comes to student loans. Especially considering the bankruptcy courts do n't view the loan like a car or mortgage. Private student loans should either be forced to abide by the same rules as federal loans, when it comes to hardship repayment, or allow for borrowers to dismiss in bankruptcy like all other private lender debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well i file several complaints on experian credit bureaus and they blocked my account where i can only log in and cant dispute or look at my credit report I HAVE MAJOR HEALTH ISSUES INCLUDING XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX THIS WHAT I DONT NEED THEM STRESSING ME OUT ABOUT MY CREDIT THAT I DIDNT MAKE I SENT THEM CERFT MAIL WITH A RETURN SIGNATURES AND THEY RETURN ONE WITH OUT A SIGNATURE THEY ARE FAILING TO FIX WHAT I DISPUTE WHAT SO HARD ABOUT TELL THESE COMPANY WHERE IS MY SIGNATURE WHERE I SIGN MY NAME AND GAVE THEM APPROVE TO OPEN THESE ACCOUNT THE CEO OF EXPERIAN NEED TO BE SUITED AND I WILL FILE A LAW SUIT
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX  : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized, unverified hard inquiries on my credit report must be removed immediately in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

Someone had offered me their company discount to a few items, I sent the money and never got the items. I demanded for the money back and I got blocked and the person is no longer communicating with me.
Product: Credit reporting or other personal consumer reports

I want to know why my score keeps getting lowered for NO reason! I don't have any issues with my credit ; no card issues ; no mortgage at all ; no changes happen and my score keeps getting lowered every month! I have been working hard to get my score UP, and did, to XXXX and now its down to XXXX. This is unacceptable. There is NO reason that EQUIFAX should be lowering my scores.
Product: Consumer Loan

I made my payments on time with BMO HARRIS bank, and somehow they missed one of the checks my bank sent, the money cleared my bank account, and the funds were taken from my XXXX checkings account. this happened XXXX of 2014, they 've been calling me an harassing me for a whole year about it, and I already explained the situation XXXX times to different people. they never put notes on the system, they 've called my mom at work, my brothers and almost got my Mother fired, I am a United states Marine. a and they call my job everyday from the same number. and they are not trying to work hard to find out who lost the check and were did my money go. at this point like I said my money cleared the account and I never got reimburse for the lost, if you look at my payment history I 've never missed one payment! and I have XXXX cars. they told me they would take my car and that it was n't their problem the money got Lost, that I HAD to pay.
Product: Mortgage

I have been trying to contact Lakeview Loancare for a week now. The phones are down and the website hasnt been working. I cant check my account or even make a mortgage payment for this reason. No sort of contact has been made with lakeview. Ive read discussion boards and other customers are having the same problems I am having and its ridiculous. Im blind on amounts and transactions within my mortgage
Product: Debt collection

I have received many calls from them they. Said they have reported to my credit. And even though I made a payment plan they would not removed from collection until payments are made in full
Product: Credit reporting or other personal consumer reports

They did not provide me with the original contract as I requested. 
I never signed up for a credit card with pen fed
Product: Credit reporting, credit repair services, or other personal consumer reports

On the second of XXXX I had my wallet stolen, which contained my social security card, drivers license, and insurance card. I had to replace everything and when I check my credit report I see 2 accounts that were closed that I had never opened. XXXX and MoneyLion, these were apps where you can get a loan simply inputting personal information. I checked the accounts and they were severely delinquent. This severely impacted my credit which is just completely unfair. My information was used by someone else to obtain money from the loans which were never payed back. When disputing the errors on my credit report in experian the fraudulent accounts were not taken off.
Product: Credit reporting

I have a lot of Fraud Incuries from all kinds of banksXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and none of them are removed from any off my creditreport with Equifax or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous documents and request to XXXX to research this account. I am a victim of fraud by someone who abused a power of attorney. I have provided proof of deployment, proof from the responsible individual and proof of the abuse of power of attorney and XXXX has consistently tried to hold me responsible for this account. I acknowledge this account was opened in my name and with my information BUT IT WAS NOT WITH MY CONSENT. I have received numerous responses from EXPERIAN saying the creditor validated this debt, and therefore they will not investigate. Please read the documentation, the responsible individual admitted to this act of fraud. I am not responsible and will not be bullied by XXXX into paying a XXXX debt that does not belong to me. I was XXXX at the time and unaware my bank accounts were being used to make payments, I was not aware of any of this until months after it began. I deserve more than a generic response of regurgitated scripts telling me I am liable because it 's in my name. I deserve the right to have the documents REVIEWED AND TAKEN INTO CONSIDERATION! am going to seek legal action if this is n't resolved. 

Experian, shame on you as a CRA to not conduct an investigation of your own but to constantly request the same documents over again from me and to only to have the same creditor response validate the outcome. WHERE IS THE FAIRNESS. When does personal responsibility come into play as a CRA. I am tired of being victimized by people who are supposed to be protecting me while I 'm XXXX FIGHTING FOR MY, EXCUSE ME OUR COUNTRY ONLY TO COME HOME AND FIGHT WITH THE SAME PEOPLE IM RISKING MY LIFE FOR. This is insane! Not to mention my information being compromised by Experian as well, I 'm disgusted!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the persistent violations of my rights under the Fair Credit Reporting Act ( FCRA ) by you guys. Despite my repeated attempts to address inaccuracies related to an XXXX XXXX account on my credit report, You have continuously verified these errors without conducting proper investigations. This has severely impacted my ability to maintain an accurate credit profile and obtain fair credit opportunities. 

XXXX of Disputes : I initially disputed the XXXX XXXX account on XX/XX/year>. The outcome of this dispute was a verification of the inaccurate information. 

On XX/XX/year>, I requested a reinvestigation, clearly indicating the errors in the initial investigation and urging [ XXXX XXXX XXXX ] to re-examine the matter. Unfortunately, the account was verified again without addressing the identified discrepancies. 

On the same date, I raised another dispute, highlighting specific inaccuracies that had been overlooked in previous investigations. I explicitly requested the removal of the XXXX XXXX account from my report. However, once again, the account was verified without a thorough review. 

Subsequently, on XX/XX/year>, I disputed the inaccuracies with additional supporting evidence and proceeded to escalate the issue by filing complaints with both the XXXX XXXX XXXX XXXX XXXX ) and the XXXX XXXX XXXXs office. 

XXXX XXXX : Upon reviewing my most recent credit report, I was alarmed to discover yet another XXXX XXXX account entry with a different account number and numerous inaccuracies. This ongoing mishandling of my credit information is not only unacceptable but also constitutes a significant violation of the FCRA.