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

Yesterday I was in a dept store in the middle of a transaction and I received a phone call from XXXX and the woman told me she was from XXXX  XXXX and they had not received my pymt and I needed to make a pymt immediately in order to stop disconnection schedule within the next 2 hours. I was having a family event at home and complete panic set in. I could not think clearly and borderline hysterical. I did not have a pen with me but she gave me a fraudulent XXXX  XXXX employee name and ID # and I needed to make this pymt immediatly and to pay by XXXX. I told her my pymt was made on XXXX and she said they had to record of it. Due to my hysterical state of mind I did send {$170.00} only to find out I had no recourse for stopping a fraudulent transaction on my account from Chase. I am going to the Police Dept today to file my police report and I have a FTC Report # XXXX. This has never happened to me and I was extremly upset during this phone call. The phone number associated with the transaction with Chase Bank is XXXX. This is a crime what happened to me and I had no protection even with Regulation E. Once all my information is compiled I will be forwarding it to Chase with a written request to reverse this transaction.
Product: Consumer Loan

When I applied and opened my loan with Avant Credit it was for a line of credit. I received approval for a {$12000.00} line of credit and have an email describing my loan details. Shortly, thereafter they indicated I was approved for a lesser amount {$11000.00}. I did n't care about the {$600.00} difference. A few months into the loan, they advised they were changing my line of credit to a normal installment loan. They indicated the terms of the line of credit allowed this change without my consent. What bothers me the most since this change, is that my monthly payments keep increasing even though I am paying the minimum amount with no further loan withdraws or charges to the account. I do n't understand how the monthly payment is not decreasing on this type of loan and Avant Credit ca n't explain it it me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) 08 XXXX XXXX {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking for help from Bank of America in resolving an issue. Bank of America refuses to move a lateness from my credit report that was allegedly 30 days late by a few days in XXXX. Apparently the adjustments to the to the Cares Act section 4021 makes it illegal for the Bank to report a derogatory on a credit bureau. This 30 day late is making it impossible for my family with young children, to achieve any financing to assist us through this tough period. 

There are a whole host of issues and defenses also that make this reporting inaccurate. I have spoken to BOFA multiple times and have written many emails and letters. I have never been late and have been a client for many, many years, the payment was on autopay, i brought everything current the minute I heard about this. I moved at the same time, never received a phone call, email, or anything..I really have never dealt with a ruthless organization like this and am hoping that this gets out to people that are having a hard time through this pandemic and find a bank that will have some sort of mercy with their fellow human beings in the future. People out there are really going through a tough time right now. If someone could give me a call it would be much appreciated. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has listed Suspected Fraud activity on the XXXX data base. XXXX shows the that what XXXX reported for was suspected fraud activity with any amounts owed have been paid. closure status shows settled in full. I never knew any of this all I knew was XXXX  closed my account. I never comitted fraud.and now i am a criminal and can not open another bank account because of this XXXX.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit card account with XXXX  XXXX has reported a late payment on. I have called XXXX XXXX to confirm that the payment was indeed not late and this information is reported inaccurately. 

Please remove the late payment from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, The Bank of XXXX Account XXXX XXXX XXXX XXXX Account # XXXX , XXXX XXXXAccount # 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
Product: Debt collection

I noticed my credit score decreased due to an account in collections. Upon further investigation, I realized this account does not belong to me. I contacted the collection company who did not provide sufficient information. I then contacted XXXX XXXX who confirmed this is not my account and I am the victim of identity theft.
Product: Debt collection

I am reaching out to you because I have tried multiple times before to solve this issue with XX/XX/XXXXXXXX XXXX. Before the pandemic started I had a membership with them, then they closed because of COVID but they kept charging me so I called them to let them know the issue and to cancel my membership. They refused to cancel it over the phone and I was told I had to come in person to do it. Keep in mind, they are closed because of COVID, everyone was supposed to be in quarantine and they really asked me to come in person. Anyway, I did actually visit them 3 times and every time, nobody was available to cancel it. So I decided to call AGAIN and try to cancel it AGAIN while they were still charging my card. Oh, and lets not forget the time when they charged me {$420.00} by mistake and couldnt refund it back to my card so I had to dispute the transaction with my bank. Anyway, this time I told them that they needed to cancel my membership and I did everything in my power to do so but they were not helping at all and were being very difficult. It seemed to me like they did not want to do it so they could keep charging me. So apparently I finally got a hold of someone who said they had already cancelled it and that I shouldnt be charged anymore. BUT, the next month they charged me double the amount of my membership. So I called and their response was that it was an annual fee for equipment maintenance. At this point Im very frustrated already. I thought my membership had been cancelled I said, so I found out that it had not been cancelled and I was still getting charged. So, i asked again to please cancel it and refund me my money, they said they couldnt do it. So I went to my bank and disputed the charge AGAIN and called them back and CLEARLY told them they need to cancel the membership this time for real. And apparently it seems like to this day they have not done so because I received a letter from First Credit Services saying I owe {$300.00} past-due obligation. Really?? I need to speak to someone about this please because this is fraud. I dont know what else to do at this point. I have tried everything I could and this has gone way too far. I have proof of an email I sent to the manager back in XX/XX/XXXX asking them to stop charging my card and to cancel the membership.
Product: Debt collection

Dear XXXX, I am writing to seek clarification on a statement made in your response to my Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX, dated XX/XX/2024, regarding my request to cease all communications related to the account referenced above. 

In your letter, you stated, " We found we have honored the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. '' Given the documented twelve instances of phone calls received from XXXX after my cease-and-desist request, I am seeking an explanation of the specific legal provisions that you believe permit or require such continued communication. 

To ensure a clear understanding and proper resolution of this matter, please provide detailed information on the following : 1. Permitted Communications : Identify the specific legal provisions or statutes that XXXX relies upon to justify any communication made after receiving a written cease-and-desist request. 

2. Required Communications : Outline any legal obligations that may mandate XXXX to continue communication despite a cease-and-desist request, including the nature and purpose of such communications. 

3. Compliance Measures : Describe the measures XXXX has in place to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), and any relevant Georgia state laws, particularly regarding cease-and-desist requests.

4. Communication Records : Provide documentation and records of the specific communications made after my cease-and-desist request that XXXX believes are permitted or required by law. 

Your prompt response to this clarification request is essential for understanding XXXX 's position and ensuring that all legal rights and obligations are fully respected. Please respond in writing within ten ( 10 ) days from the date of this letter. 

Thank you for your attention to this matter. I look forward to your prompt and detailed response. 

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

I've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, XXXX, TransUnion ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?
Product: Credit reporting or other personal consumer reports

There exists multiple documented late payments on my credit report that appear to be fraudulent and inaccurate. I would like for my credit report to be updated and correctly reflect no missed payments ever on this account. The error shows on all three of my credit bureau reports as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In regular contact with company at least 4 times by phone. They have extensive notes on their computer of issue with reporting delinquency of XXXX late payment of 30 Days. Was told last week that they would get issue resolved when customer service rep talked to reporting department was told they they no longer honor SCRA protections as of XXXX XXXX. It was the first time I have heard of the change in the previous three times speaking with XXXX XXXX XXXX in XXXX, XXXX, XXXX, and XXXX. Their supervisor was also unaware of change also. See notes under mortgage account of full story. Just notified again that company also reported me being 30 days late in XXXX due to billing statement they sent to my house on XXXX XX/XX/XXXX. That states one amount to pay when really our rate changes to another amount. My wife paid statement amount on billing statement and was told was late only when we physically called company. This company has caused me to look elsewhere for a mortgage company. I have statement to verify XXXX late reporting. See notes for XXXX reporting please under mortgage notes with company.
Product: Credit card

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Product: Debt or credit management

Experian XXXX XXXX has the wrong information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries on my report that I am demanding get deleted of my credit file. 

They are as follows : ( 1 ) XXXX  XXXX ( Inquiry XX/XX/2021 ) ( 2 ) XXXX XXXX XXXX ( Inquiry XX/XX/2021 ) ( 3 ) XXXX XXXX ( Inquiry XX/XX/2021 )
Product: Money transfer, virtual currency, or money service

I was supposed to receive a wire transfer from a customer. The customer sent a wire transfer from their bank in XXXX on XX/XX/2023 in the amount of {$1200.00} USD that was to be delivered to my business account in the United States. They forwarded the transaction reference number to me and asked me to confirm with them when the money was received. I have not received the money in my business account. I have been to my bank two times to ask them to help me locate the funds. All they show is nothing has been delivered and nothing was declined. Bank of America has not tried to forward the money to my account. Today is XX/XX/2023 and I still have not received the money in my account. The money that was sent from XXXX used Bank of America to forward the funds to my bank however, Bank of America did not forward the funds to my bank. I do not have an account with Bank of America and so I can not speak with a live person when I call their numbers listed for contacting them for help.
Product: Credit reporting or other personal consumer reports

Kindly delete this inquiry from my credit report. I did not initiate it and have no connection with the associated creditors. I urge for its immediate removal to ensure the accuracy of my credit information.
Product: Credit card

I have XXXX expenses on my bill that weren't mine. I asked them to cancel. XXXX  they helped me cancel. Then they lowered my credit card limit and gave me the money I had canceled. Not only did I have a lower credit limit, I owed them money. I wondered why. My XXXX XXXX was very low by this company.
Product: Credit reporting or other personal consumer reports

I am a XXXX  individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
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 XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting act U.S. Department of Education Account XXXX, U.S. Department of Education Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Account 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
Product: Money transfer, virtual currency, or money service

My family was scammed out of a home we tried to purchase. We made 2 payments of XXXX $ via XXXX to XXXX as a down payment for a new home. First payment was made on XX/XX/XXXX and second payment was made on XX/XX/XXXX. I notified my bank and they restored my money along with a new card. They just sent all the money back and charged me causing me to go broke and late on payments. We have a police investigation open as well case # XXXX in XXXX
Product: Debt collection

Received a call from a call center to inform me to call a different number because a civil litigation was about to filed against me. They gave me a reference #. They claimed to be with XXXX XXXX XXXX, they also called me by my maiden name that was changed 13 years ago, so I knew it was for something old. I XXXX the attorney and called. Per the lady I spoke to she had been getting similar calls to her office and that it was most likely a scam. Received another call about a week later. I called the XXXX # that he gave me this time and they claim I need to pay an outstanding debt from over 15 years ago and due to a tolling agreement they can still file suit. They claim to have sent me a demand letter in XXXX. I asked them to email it. The email I received claims I owe a bank for overdraft fees over {$2100.00}. The letter appears to be very generic. Claiming to file a suit against me if I dont pay in full in 30 days. No way this debt is valid, it was never on my credit report and {$2100.00} in overdraft fees is just crazy.
Product: Mortgage

Father XXXX XXXX passed away I have been making the payments on the mortgage Court appointed me I have submitted all docs to PHH ; they don't acknowledge I get reps from XXXX that do not speak English also the balance on PHH recording sayd $ XXXX their statement says $ XXXX
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A. section 2 : it also states that a consumer report agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Back in XXXX, 2015 I pulled my credit report and I notice XXXX debts on there from Enhanced Recovery Co. XXXX for {$99.00} and XXXX for {$130.00} I know for a fact that I did not owe these debts so I wrote a letter of dispute and asked for validation of the debts. After doing some research online I offered to settle the debts just to have them remove from my credit even though I know I do not owe them. I wanted to improve my credit as I am trying to purchase a house within the next two years so I figured I could get rid of them since they are minimal for my piece of mind. I verified Enhanced Recovery Co. address and I sent the XXXX letter of dispute asking for validation of the debts on XXXX XXXX, 2015. I waited 30 days for a reply but I did not get one. I sent a XXXX letter on XXXX XXXX, 2015 and as of today, XXXX XXXX, 2015 I have received no reply which shows me that these have no proof of these debts and are ruining my credit for no reason. Since these so called bad debts can not be proven I can only assume that these debts are not valid especially since I have never had service with those companies.