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

I requested a Consumer Disclosure Report pursuant to the Fair Credit Reporting Act. They refused to provide it. Asking me to fill out an online form, again, with the same information I already provided to them. I have requested my report multiple times both by phone, mail and on their website. They are violating the Fair Credit Reporting Act by refusing to provide me a copy of the information they are keeping about me and spreading false information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

-I spent time comparing and contrasting across credit bureaus and under several different programs.

-I spent time identifying inaccuracies -I spent time checking the misuse and/or timeframes.

-I spent time purchasing searching XXXX and XXXX on what to do etc. 
- I spent numerous hours with customer service representatives making provisions -I have spent time placing security freezes -I have spent time sending debt validation letters and inquiring how my information has been misused -I have spent time defending my name and trying to protect myself because of incorrect information. 
-I have spent time speaking and consulting with credit specialist -I have been denied goods & services causing me to take a deeper look into my credit -I received bills from things I did not authorize -I have spent time investigating providing documentation and reports.

-I have spent time reading the general summary of rights under FCRA -I have taken time to place Fraud alerts for the misuse of my personal information. 
-I spent time investigation my local & state consumer protection rights.

-Reserarching forms from the IRS -Having the form 14039 Identity Theft Form submitted to the IRS -Police report
Product: Credit reporting or other personal consumer reports

At this point I feel like Im not being acknowledged as a human being and Im truly disappointed in the company effort to help my needs. Im beginning to understand that Resurgent Capital Services is misrepresenting this debt and how its being presented to me because Im not getting what Im asking for which is a copy of the contract which I have yet to receive. Reason being Ive been apart of multiple data breaches in the past and i understand that complies must follow the Fair credit act and FDCPA and Resurgent Capital Services is violating my rights under 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information 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 And plenty more can you please help to make sure they follow the rules.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was told by a Shellpoint a customer service rep that the account was in fact paid in full in XXXX of XXXX, and therfore it was simply imposssible to show it as delinquent in XXXX. This credit reporting error was obvious to all. 

I stated that I needed to quickly get the reporting corrected with all XXXX  credit bureaus, as it was having an adverse effect on a current XXXX XXXX XXXX  application. 

I Provided NewREZ with a screen shot of their XXXX delinquencies on my report, and was told they could do nothing about it because it was from a XXXX  party reporting agency. 

Next I was given an email from Shellpoint explaining the dispute I had filed from XX/XX/XXXX confirmed the delinquencies from XXXX were legitimate and would remain. They did provide a satisfaction letter but did not address the erroneous delinquencies appearing in XXXX 

I was adamant with customer service that we must escalate to get resolution. The request was sent to a supervisor. The supervisor insisted Shellpoint had not reported delinquencies for XXXX, She promised to investigate the obvious error and promised a call back response within XXXX hours. 

That was on XX/XX/XXXX, XXXX is the XXXX. I have spoken with multiple supervisors, none of whom seem to care..In the meantime my loan application XXXX XXXX XXXX XXXX XXXX XXXX in limbo
Product: Checking or savings account

TD Bank has charged me XXXX for a fraud that resulted in a overdraft for the XXXX that they are wrongfully holding me responsible for charges that I am 100 % not responsible for. 

TD bank has informed me that they conducted an investigation that resulted in their decision to wrongfully hold me responsible for these charges. 

I am willing to testify under oath in a court of law that I know nothing about these fraudulent charges and respectfully request CFPB to intervene in this matter. 

My Checking Account # XXXX and my routing number is XXXX Last 4 SS XXXX Thank You very much in advance.
Product: Consumer Loan

Paid off lease to setf for my leased vehicle with check on   XXXX    .   SETF took another auto payment  on XX/XX/2017 . Tried i n vain to contac t SETF bo th via phone and online. No human responded, but redirected to website. No help there.   I have, of course, stopped the auto payments ... but would like a response from SETF on whether or not this was a double payment on this lease. I would like a payout reckoning from this company to ascertain the exact amounts of final payments reconciling total monthly withdrawals and payoff amount.   Worst customer service ever! Can you assist?   Sincerely
Product: Debt collection

FMS INC. calling and reporting on my credit collections account that is not mine as a result of Identity Theft.
Product: Money transfer, virtual currency, or money service

I need to get a friend to pay me back {$100.00} But she only has cash app. My cash app account was closed and I do not know why but I had to file an appeal to have it reopened. They have not done anything about it for a month and will not provide any updates or a timeframe.
Product: Money transfer, virtual currency, or money service

When I come home in the XXXX ( last year ) XXXX XXXX, XXXX because I'm at my medical sign off I tried to withdraw cash from my ATM ( XXXX XXXX XXXX. ) but it is not processing. So I try to bank transfer some money from XXXX  to XXXX, last year it is still working when I'm on board, but when I try it here in XXXX it can not be processed. So I emailed XXXX XXXX ( my banks handler ) about my concern that I can't withdraw any single amount of money. About a week, they emailed me back saying that I need to download and try another bank which is " My Payment Vault '' to transfer some money. After that I download it and try to transfer some money on my daughter 's bank account. It works, the money has been deducted from my bank. I transferred {$200.00} money ( XXXX to XXXX ) but my daughter didn't receive that money that I sent to her until now. The XXXX XXXX has been initiated on XXXX XXXX, XXXX. The transaction date is XXXX XXXX, XXXX and the date available is no later than XXXX XXXX, XXXX. I want to take an action here on my concern because I try to contact and email them many times but I didn't receive any response and action.
Product: Student loan

XXXX XXXX began calling me and threating to contact my new Employer with Wage Garnishments! He said they would begin if I did not immediately. I told him I just got this job and he said that he had a program for me, he lied claiming to represent The Government had me sign up for some bogus service he led me to called XXXX   XXXX XXXX, I cant get him on the phone, this is racism! I had to spend money to print pay stubs and forms then he told i could upload them.
Product: Debt collection

I recently checked my credit report and seen fraudulent activity.XXXX  XXXX  is saying I owe $ XXXX paperwork/Their proof say it was a female and the address is somewhere I never lived.I will attach proof Iam a male and not female as the paperwork/their proof stated. 


I dont know this company never done business with this company.This company doesnt have any written signature or contract with me.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I was woken up by an incoming text message from Wells Fargo bank, asking if I had just attempted a {$3500.00} XXXX transfer. I replied NO. I then receive the second text message from Wells Fargo stating that a representative would be contacting me shortly. The man called a couple of minutes later and stated he was a representative of the bank and that he was going to assist me in getting my money back. After a XXXX hour long phone call the call was disconnected and then I called the same phone number back that had called me and spoke to another representative who said that they had no notes or record of a representative calling me or that any text messages were sent out. I then spent several more hours filing multiple fraud claims. They had taken out {$7900.00} from both my checking and savings accounts. This apparently was done through numerous transactions in XXXX XXXX, XXXX, XXXX XXXX and internal transfers. The representative told me that someone had gained access to my online banking credentials. I live with my XXXX children and I am in a higher position at an XXXX XXXX I sat there looking at my debit card being told that everything was shut down and I now have no access to ANY money for the next XXXX business days while they work their investigation. Today is day XXXX without any money and no one has even called me to ask me questions. I then call in to check the status of my claims as the previous rep had suggested that I do, telling me that they would be able to provide me with a provisional credit while I wait. I called today to be told that my claims were denied and then they hung up on me. I drove to my local branch only to be told that they could do no more than I already had which was filing a claim. I am sickened, I have been XXXX, severe XXXX and XXXX. I am a single mother and that was literally my entire lifes savings. On top of this I recently found out that my XXXX has returned. I have no family and no help. Ive been banking with WF for over 10 years now and this is the XXXX time Ive had fraudsters hack my account ( only checking previously ), this one is by far the worst. Can they truly just steal $ XXXX from someone and thats it? I am devastated and dont feel as though I can believe or trust anyone anymore and I am traumatized by this entire event. I feel helpless and duped. This was an institution that I trusted to place my entire life savings so that it would be safe. I have been saving up for a down payment on my first home. Thats not going to ever happen now. I am sick. 
This affected XXXX, XXXX XXXX and XXXX XXXX of which I can not use any services any more as I have been permanently restricted due to no fault of my own. I lost my entire life savings and Wells Fargo won't do anything to help. XXXX XXXX XXXX the parent company of XXXX who states on their website that they will reimburse victims of the imposter scam which is what I experienced ; but they will not do anything either. They are lying to the public and have no concern for the victims that lost everything. 
They need to be true to their word and reimburse ALL of my monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through XXXX and XXXX XXXX and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call XXXX XXXX last week as well as XXXX and the car dealership as well as the XXXX XXXX XXXX where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on progressive as myself for the policy holder as well as student loans and mortgages show up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Savings account on XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX in XXXX, Ohio with a XXXX XXXX XXXX ID : XXXX and when I arrived home I received an alert that I had a Hard Inquiry on my Transunion credit report from XXXX XXXX XXXX XXXX. All I did was open a Savings Account & all I signed was a signature card to open said account. I did NOT give authorization for a credit check, especially a Hard Inquiry for a simple savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The two of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXXXXXX 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: Debt collection

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

I had a card with XXXX XXXX a few years ago. I went through some unforeseen financial hardship and the card was charged off. I Once I was back on my feet, I made payments to pay it off in full. I wanted to purchase my first home, and this needed to be paid for my mortgage to be approved. I spoke with several people asking for this to be removed from my credit as a pay to delete but they refused. The information that they have listed on my credit report shows " charge off/paid account ''. However, if it was a charge off then they should send me tax information for me to file it as a 1099, which they haven't done. Therefore, it should be removed from my credit report as it seems they are able to use this as a charge off and receive the money, which is egregious. They should not receive the tax beneifts of a deby write off and receive the debt as well. Furthermore, although I have good creidt now, it's still a blemish that sits on my credit where I paid it off in full. The debt ended on XX/XX/2017 and we are now over the 7 years of remove.
Product: Credit reporting or other personal consumer reports

On the XXXX of XXXX XXXX XXXX XXXX account as a delinquent account. At that time it was accurate. On the XXXX I paid off the past due balance and just now ( the XXXX ) I got alerted that they JUST reported me as severely delinquent despite my account online and on the phone showing as being current. When I called to get this corrected their manager told me I would have to call the credit report company to get it fixed. I explained that I am not an XXXX and that they do not control what is reported and that they are fraudulently reporting on my account to the credit bureaus. She then lied AGAIN and told me to call the credit bureau to get it fixed to which I told her I would be reporting them for the fraud.
Product: Credit reporting or other personal consumer reports

I currently have fraudulent account and Unauthorized inquiries appearing on my credit report.
Product: Credit card

I had a credit grantor close with citibank many years ago and that was removed from my credit report now. 
Since then i started receiving letters from citibank to apply for credit card. 
I did apply for Costco anywhere card with Citibank. This is not the first time the deny me a credit card Every time i apply they deni the card application. These letters i get are very misleading.

If citi has to deny the application why send the letters to apply to my home.

This is not the first time they did deny me the card my credit was recovered. i did unnecessarily have couple of hard enquires now on my credit report due to Citibank.
Product: Mortgage

Had mortgage with XXXX had the loan modify the loan it was raise and extended to ten year the payment was set at {$720.00} a month made payment on time the contract was turn over to XXXX XXXX XXXX this is where everything change. I complaint my payment went up as much as {$890.00} for three month drop down to {$850.00} inquire about dropping the PMI receive paper on escrow nothing concerning PMI next letter the payment was turn over to Nationstar which sent a notice for my XXXX payment that for {$3000.00} I ca n't pay that sent my regular payment but my next notice was for {$1.00}. Do n't understand XXXX mortgage within eight years When I purchase this house it was with a contact the have change everything concerning my contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies XXXX, XXXX, and Equifax in which they were received and signed for. Equifax with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All XXXX of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.
Product: Money transfer, virtual currency, or money service

In XXXX I paid XXXX XXXX a {$300.00} advance via for lease that would cost about ~ {$620.00} x 12 months. When I arrived they requested another full month deposit which out of duress I gave ( I was tired and had nowhere else to go ). A week later I asked for it back because I knew it was not a part of the original deal and they wouldn't return it. So I filed a dispute on PayPal. Because of that, they assaulted me out of my apartment. They pried the key out of my hand as they restrained me and would not give it back. I called the police and showed them I paid rent but they did not seem to understand me. The police seemed to be asking me to leave. There is more information to provide such as stuff left in the apartment, a written but unenforceable contract, refuting what I was told they told to PayPal as their side, etc.
Product: Debt collection

I received a collection notice of {$22.00}, about a XXXX XXXX. I never had that kind of XXXX. Reference # XXXX. XX/XX/2023 date of letter received
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, DEPTEDXXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

Valley bank has restricted my card. this is the 3rd time in the past 10 days that they have shut my debit card down. I believe the bank is harassing me. Because I haven't had access to my money I have been damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XXXX XXXX/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX FUNDING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I sent in the letter from the debt collector stating they would no longer collect on the debt, and I also sent the validation letter I provided to the debt collector. Each time, the collection comes back as verified instead of being removed. I am very interested to learn how your XXXX ( XXXX ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX  because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, XXXX, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately!