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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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
Product: Credit reporting

On XX/XX/XXXX, I requested Experian to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Experian a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,
Product: Debt collection

I received a letter from the creditor by the name of American Coradius International, LLC on XX/XX/XXXX. 
Claiming I owe an amount of {$360.00}.

I was completely unfamiliar with said debt so I immediately called the original creditor & current creditor they have listed.

Neither creditor that they have listed was familiar with the debt or myself as a person. They advised me this could be fraud.

I also decided to research this American coradius international LLC and found multiple sources saying this is fraud as well.

I then contacted this creditor directly and they informed me this was from  XXXX, asked me to verify an email address that I had not used in 10 years. The representative stated he would let the original creditor know but Im not convinced.
Product: Money transfer, virtual currency, or money service

on XX/XX/2022 I was contacted by a person who I though was friends with on XXXX and said she invested her money some money with a person and got back a good amount on money back. She had the lady contact me by XXXX. I got a message from a person named XXXX she informed me that if I invest {$600.00} I would make a profit of {$6000.00} back the only thing I would have to pay is her commission which was XXXX XXXX of whatever I made. I asked all the necessary question a person would ask to make sure you are not getting scammed. I believed her and XXXX her {$600.00}. She confirmed the transaction on her side and said she would keep me posted on the investment. A couple of hours later she send me a message through XXXX saying that I made {$6000.00} and that she would transfer the money to me but that it would take a couple of hour for it to process. I replied and said that it was fine. And hour or two later I received a XXXX message saying that the money was ready and she would transfer but I would need to send her money as she need to pay the transfer fee. She stated that the Transfer fee would be {$1200.00}. I told her that it was a lot of money to transfer and she stated not to worry that I would get it back. I ended up trusting her and XXXX her {$1200.00} on XX/XX/2022. Later in the night of XX/XX/2022 I got another message saying that once again the money was ready but I would need to XXXX more money. At that point I questioned her and said that I had no more money and she say well see if someone and help you and you can send them back the money once you get your investment money. At this point I decided to actually text my friend who had referred me to her on XXXX. XXXX is is my friend texted me back right away and said " do not send any money to them it is a scam, they scammed me too and now have taken over my XXXX to have all my friend send them money. '' She stated that she lost access to her XXXX to these hacker and scammer. 
I contacted my bank which is Chase to report XXXX they stated that there is nothing I can do and that I can not get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on consumer report.
Product: Mortgage

Upon my first interaction with the Amerisave Mortgage Corporation, I was in contact with a person named XXXX XXXX - Loan Originator NMLS ID # XXXX. He explicitly explained the loan process to me upon our first conversation. Unfortunately, he left out a few key details that ultimately left my experience to crumble into a disaster. 

XXXX failed to explain the application process. As a loan officer, all information should be readily available to the consumer. I applied for a mortgage refinance, and XXXX ran my credit to check if I would get approved. After running my credit, he gave me the good news that I was approved and that he needed {$500.00} immediately to start the application. I was told the {$500.00} was to apply. I went a long and handed over my credit card number. He then informed me later that an appraisal would come out to my property and to take pictures. I got my appraisal report and XXXX informed me that he can no longer accept me because suddenly my income to debt ratio was too high. He never informed of this before hand and this was a sudden shock to me because I was told that I was approved for the loan. I want to know why this company ( Amerisave ) would allow such a protocol to deny the customer after they've received the money. On the contract the appraisal was {$470.00}. I paid {$500.00} to the company. I want to know where the {$25.00} difference went to and If I should be compensated?

This is a standard scam to rip off customers who are trying to pay less interest on their mortgage. The loan officer hanged up on me and failed to follow up after I displayed my concerns about this to him. He would not hear another word from me after I asked him why he betrayed my trust into him?

This person and company needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX, Equifax and XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiries : On XX/XX/XXXX, there was an unauthorized inquiry by XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX and XXXX made unauthorized inquiries. 
XXXX, XXXX, XXXX, XXXX, XXXX  # XXXX, XXXX XXXX, and XXXX all made unauthorized inquiries on XX/XX/XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX  # XXXX made unauthorized inquiries on XX/XX/XXXX. 
Several other unauthorized inquiries were made in XX/XX/XXXX by entities such as XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, and XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
Account Validation Requests : I am requesting validation for an account with XXXX, with a partial account number ending in ****. 
I am also seeking validation for an account with XXXX XXXX, with a partial account number ending in ****. 
Additionally, I am requesting validation for an account with XXXX  XXXX, with a partial account number ending in ****. 
I believe I am a victim of identity theft, as many of these inquiries and account associations do not accurately reflect any transactions or authorizations I have made. 

Previous Attempts to Resolve : I have proactively attempted to address these discrepancies by sending letters via certified mail to the respective companies detailing these issues. However, despite ensuring they received my letters, I have not received any responses or corrections within the XXXX timeframe as mandated. 

I am now seeking the CFPB 's assistance in facilitating a thorough investigation into these matters and ensuring appropriate corrections to my credit report.
Product: Money transfer, virtual currency, or money service

Funds were sent to a person I Didnt know and once I called to get everything corrected I was told there werent nothing they could do. No remorse was showed. It was nothing Id could do.
Product: Debt collection

I received a notice from a collection agency by the name of credit Corp. solutions they stated that I owe the balance to XXXX in the amount of $ XXXX.I contacted XXXX directly they stated that they do not use the credit company and that I did not have a balance and then contacted the credit Corp. solutions and advise them that this was false information and that they were fishing they are vies me that this was an actual date and that I needed to make a payment but when I contacted the original creditor this was not a debt that I owe
Product: Credit card or prepaid card

An XXXX XXXX XXXX credit card with a {$12000.00} limit was opened with Bank of America in my name. I received an email from Bank of America confirming the application had been approved and the card would be received within XXXX business days.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage continues to report account as being delinquent. Credit report shows last payment was  XXXX  2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a XXXX account listed on my credit report. After reviewing my reports from Experian, Equifax, and TransUnion, I have noticed that I am not familiar with the account listed. The account is also being reported inconsistently across the bureaus, such as the account number and the payment history.
Product: Credit reporting or other personal consumer reports

Re : Complaint Against XXXX XXXX  for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXXXXXX XXXX  for unlawful reporting of inaccurate information to consumer reporting agencies while an arbitration proceeding is pending. XXXX XXXX  actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX, and the Federal Arbitration Act ( FAA ). Inaccurate Reporting to Credit Agencies XXXXXXXX XXXX  has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data. Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process. Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXXXXXX XXXX  I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. Sincerely, By : XXXX XXXX XXXX
Product: Credit reporting

Equifax is currently reporting a tax lien as released but it has been withdrawn and no longer exists as public record and needs to be deleted from the report entirely. Again they refuse to investigate this, just report what they verified years before it was withdrawn. They must start a new investigation and provide me with contact information who they are verifying with which they have refused to do because they are not investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report XXXX an alleged Bankruptcy chapter XXXX account unverified information ). I was furious to learn that they obtained unverified information from XXXX and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company XXXX XXXX XXXX reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and XXXX, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. XXXX is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with XXXX and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.
Product: Checking or savings account

I transferred {$700.00} to the owner of a business XXXX XXXX XXXX and XXXX XXXX. on XX/XX/XXXX as a deposit for granite countertops. They were to be installed on XX/XX/XXXX. I still haven't received the countertops or the entirety of my money back. Through a series of communication I have managed to get back {$200.00} with daily promises to return the rest. I do not feel that it's fair that nothing can be done about this transaction fraud because this is a known individual with a legitimate business registered in the state of Florida.
Product: Debt collection

Today, XXXX XXXX 2016 my mother received a phone call from a woman calling herself XXXX and refusing to disclose where she worked. She stated that I was being sued and paperwork was submitted to XXXX XXXX and that I needed to obtain legal counsel. Later this afternoon a person I went to high school with named XXXX XXXX, who I have n't spoken to in 8 years received a voicemail from the same woman, mispronouncing XXXX XXXX and telling him that I, XXXX XXXX, was being sued by XXXX XXXX. 

In XXXX cases she left no information regarding why legal action was being taken against me, but disclosed to arbitrary individuals that I was being sued and needed an attorney. In XXXX cases I was contacted by worried friends and family concerned that I was being arrested. 

I have no knowledge of any outstanding debts, and in fact just purchased a car which required very detailed analysis of my current credit report. The woman left no information regarding who she worked for. Upon XXXX searching the phone numbers provided, it became clear the calls were placed by " Commercial Recovery Systems '' ( phone numbers given were XXXX and XXXX ). I have no idea how many other old contacts they may have defamed my name to. 

After reading XXXX it became clear that they 've been known to do this extensively and unendingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

**This is my 3rd time submitting this information. I received a confirmation email, however when I log in it shows that I have no complaints. 

I did not authorize XXXX XXXX XXXX to pull my credit. I never signed an application. I reported this to XXXX because they are who I have credit monitoring through and to XXXX XXXX. I was told by XXXX that I need to contact the creditor which I did but to no avail. There are two credit pulls from them. 

I noticed there is a XXXX XXXX inquiry on my report from 2017. I NEVER authorized a credit pull. Period. I have reached out to both XXXX and XXXX XXXX but have gotten nowhere. 

Carvana pulled my credit twice without my authorization. It was only supposed to be pulled once but it shows a pull on 2 separate days. I contacted XXXX and again was told I needed to contact the creditor. Did so but have not heard back concerning this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The wrong amount is being reported XXXX Account Number : XXXX This is not mine. 
2. This an incorrect account number XXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. This an incorrect account number XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

4. This an incorrect account number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 5. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. This is a duplicate account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. This is an incorrect account number XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
11. This is an incorrect account number XXXX Account Number : XXXX Please remove it from my credit report. 
12. This is an incorrect account number XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
13. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
14. This is an incorrect account number XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
15. This is an incorrect account number XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 16. This is an incorrect account number XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that und er 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.