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

On XX/XX/2021 I was scammed of XXXX dollars due to a Cash app payment scam where I paid for an XXXXXXXX XXXX XXXX  and did not receive any product. I was provided a fake tracking number to " guarantee '' that the product was shipped. I have since not been recompensated despite disputing the issue with my bank XXXX XXXX XXXX  XXXX ) which stated that since it is a third party app they can't refund me even with screenshot evidence. I then contacted Cash app on XX/XX/2021 and they simply closed my account without any explanation. I have since been left without my XXXX dollars due to Cash app not refunding clear scams even with evidence, and no help from personal bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please update these accounts as soon as possible. XXXX XXXX XXXX Balance : {$98000.00} ; XXXX XXXX Balance : {$340.00} ; XXXXXXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}.
Product: Student loan

EdFinancial Services has been sending me emails ever since I first signed up for student loans back in XX/XX/2021 about making an account and making my first payment, with the total loan amount being {$5500.00}. The problem lies in the fact that I have already been paying off my student loans through a different company ( XXXX ) that was issued to me by the school I attended at that time with an amount financed of {$7000.00} ( tuition for the course I was enrolled in was around $ XXXX, and scholarships knocked $ XXXX off of that ). I finally made an account on the new EdFinancial Services website recently just to see what was going on and EdFinancial still has my loan at the starting amount plus interest and a couple of late fees. I am almost finished paying off my student loans, however, I am still to this day getting emails from them about making my first payment. On credit check sites, the student loan tab continues to have the max amount for it because they cite EdFinancial as my loan provider, but on those sites, state that I have never missed a payment ( which I haven't ). I want to know if there is some kind of mistake behind the scenes or if they are even aware of the current situation regarding my account.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Debt collection

I got a Debt verification letter from Vance & Huffman with account balance {$490.00} from XXXX XXXX as the original creditor. They attached a letter from XXXX XXXX with higher amount. 
Due to discrepancies and inaccurate information on amount due from both side XXXX Vance & Huffman and XXXX XXXX ) I called Vance $ Huffman and request that the information need to be removed from my credit reports asap but the agent said it can't be done.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX was withdrawn from my account for a pair of shoes I never walked out of XXXX XXXX with. I swiped my card three times and was told the transaction was not completed. A reciept was never printed for the merchandise. I left the store while checking my account and I seen three charges for the the same pair of shoes I had just tried to purchase. I talked to the merchant and was told I would have to file a dispute with my bank. I contacted my bank and was told it takes up to 20 days for new customers. 20 days passed and still no update to the dispute. So I called back and was then told it wouldnt be updated til XX/XX/XXXX which is four months after the fact. I will never open another prepaid card with Netspend theyre a scam! I contacted XXXX XXXX customer service number and a representative was able to locate the transactions saying that all three were declined on their end but somehow the money is still missing from my account.
Product: Credit reporting or other personal consumer reports

re : Experian Dispute To Whom It May Concern : Thirty days ago you received my letter disputing several items listed in my credit report, issued by your firm. The items were inaccurate and incomplete. I have attached the original letter. 

Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of this letter to respond to my request for reverification of the erroneous item ( s ). I have not received a reply from you within these 30 days. Therefore, it must be that the information on my report was either inaccurate or could not be reverified. In either case, according to the provisions of 15 USC section 1681i ( a ), the item ( s ) must be deleted immediately.

Please respond immediately so that I do not need to pursue my legal rights under 15 USC section 1681n or 1681o, which require your compliance with the law.

Also, pursuant to 15 USC section 1681i ( d ) of the Fair Credit Reporting Act, please send me notification that the item ( s ) has been deleted. Send an updated copy of my credit report to the address below, as well as to any other party that has inquired about my credit rating in the last six months. According to the provisions of 15 USC section 1681j, there should be no charge for notification of changes on my credit report.

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX  XXXX XXXX Balance XXXX XXXX ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : - ; XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$5700.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; TXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX credit breach my personal information was leaked online by th credit bureau and I purchased online credit protection that didn't help me keep my identity safe there has been a lot of loans and personal credit cards obtained in my name that I didn't receive or order XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and auto loan was taken out with a car dealership in California im a true victim of identity theft and seem to no get any assistance with the route I'm taken. I we told squeaky wheel gets the grease!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX -XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX- XXXX XXXX- $ XXXX- $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XX/XX/XXXX. The wage earner case number I was discharged from in XX/XX/XXXX is XXXX. Originally filed XX/XX/XXXX-discharged XX/XX/XXXX. I paid the courts {$18000.00} in XX/XX/XXXX from a settlement I received from a XXXX XXXX law sue I filed in XX/XX/XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX XXXX began to prepare my death.
Product: Credit reporting or other personal consumer reports

Please review the inaccurate information submitted below, I am a victim of identity theft and would like for the files to be reviewed and removed.
Product: Credit card or prepaid card

I purchased XXXX  from XXXX ON XXXX XXXX in the amount of {$840.00} for a Concert at XXXX. I used my American Express Credit Card. My Amex has a {$25000.00} credit limit. I filed a dispute due to not receiving the etickets. American Express stated that there was going to be an investigation and it may take up too 8 weeks. Then 4 weeks later they put back the charges and stated the company has a no refund policy. I explained that I never received the tickets, and how was a liable for merchandise I didn't received. I also stated that there should be a way that tickets purchased can be proven that it was redeemed at the XXXX I disputed this charged 3 times and Amex continue to tell me that the company has a no refund policy. I explained multiple times I didn't receive the merchandise. I paid the amount because I'm in the process of purchasing a home and wanted a XXXX balance on my card. The concert was XXXX XXXX, 2021. I didn't attend due to not having the eTickets.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, due to their failure to take appropriate action on my reports of fraudulent credit inquiries linked to my Social Security Number ( SSN ) and their inadequate process of debt validation. Despite multiple requests for the removal of these inaccuracies and for proper validation of purported debts, XXXX, Equifax, nor XXXX has not fulfilled its obligations, leading to significant financial and personal distress. 

Since 2021, I have repeatedly informed XXXX of suspicious credit inquiries and contested debts on my report, providing them with evidence that these were fraudulent and not initiated by me. Despite following their recommended dispute resolution process and submitting all required documentation, my requests have been either ignored or inadequately addressed. 

Furthermore, XXXX has failed to provide : Adequate proof of the alleged debt. 
Validation of signatures purportedly authorizing these credit inquiries or debts. 
Validation of the debt itself, including any details on 1099A or 1099C forms that should accompany forgiven or unsettled debts.

In some cases, they have outright refused to readdress disputes I filed, even when contested for legitimate reasons.

The consequences of this negligence and failure to adhere to legal requirements have been far-reaching, including unjust decreases in my credit score, resulting in thousands of dollars in additional interest charges and denial of loans. This has caused significant financial harm and lost opportunities, such as capitalizing on the equity in my home.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), credit bureaus and debt collectors are required to conduct thorough investigations of disputed items, provide validation of debt, and ensure accuracy in reporting. XXXX failure to comply with these laws in my case represents a clear breach of their obligations. 


Thank you for your attention to this urgent matter. I trust that the CFPB will provide the necessary assistance to resolve this issue and enforce compliance with the FCRA and FDCPA, preventing similar instances of negligence affecting others. 

Sincerely, XXXX XXXX
Product: Mortgage

Embrace Home LoansMy daughter and I applied for a mortgage for her new house right after XXXX. We have been going through the process since then and they keep asking us for the same documents over and over and keep moving the closing dates and we can not get a straight answer from the Sales Manager, the mortgage manager or the processing department. We get different answers from different people every time we speak to anyone. Very frustrating to say the least plus the fact that my daughter is going through a divorce and wants to move out of their house and move into her new house. please help us and put an end to the incompetency of this company and other ones.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2600.00} XXXX CARD XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Equifax regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again.

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # 220516-8724860 TRANSUNION is in Federal violations in many counts and is liable for damages and remedy under 15 USC 1681n and 15 USC 1681o and i DEMAND remedy and legal proceeding. TRANSUNION has caused me tremendous harm in the form of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION is not taking me the consumer, FCRA and the CFPB serious in this matter and I demand remedy.as I requested in my invoice.
Product: Debt collection

A NOTICE OF TRUSTEES SALE WAS SERVED ON MY FRONT PORCH BY XXXX XXXX XXXX   XXXX CALIFORNIA ON FRIDAY XX/XX/2018. THIS IS THE SECOND ATTEMPT BY THIS DEBT COLLECTION AGENCY TO ILLEGALLY SELL MY HOME AT AUCTION .THIS NOTICE WAS SUPPOSED TO BE SERVED TO XXXX XXXX AND XXXX XXXX AS THEY DO NOT LIVE AT THE ADDRESS SERVED, THEY WERE NOT SERVED. MY NAME ALSO DIDNT APPEAR ANYWHERE IN THE NOTICE OR ATTACHED DOCUMENTS NOR WAS THE NOTICE TO PROPERTY OWNER SIGNED IT WAS LEFT UNSIGNED! WHAT KIND OF SERVICE IS THIS? THIS IS BAD SERVICE WICH RENDERS IT VOID. I AM THE OWNER OF THE PROPERTY IN QUESTION AND I WAS NOT SERVED. THIS IS A DEMAND TO CEASE AND DESIST ON THE ILLEGAL AUCTION OF MY HOME AS YOU NOR CHASE BANK HAS VALIDATED THE DEBT, IT IS ILLEGAL FOR CHASE BANK TO HIRE XXXX XXXX TO FACILITATE A ILLEGAL THEFT OF MY HOME .IN NON COMPLIANCE WITH FDCPA 15 US CODE 1692 AND SECTION 5 OF FTC  REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/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. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collections - XXXX & XXXX -- -- They are reporting 2 erroneous account on my credit. They are not mine nor do I owe any insurance company. I have disputed this many time for proof of a signed document which they have yet to provide. These are from 2015? the statute is lapsed also and these are not valid!
Product: Credit card or prepaid card

I opened a new card to get a balance transfer. Balance transfer check was not sent out until 3 weeks after the application and to the wrong account. They could not tell me what account it was sent to. I was charged the application fee and responsible to pay for the balance transfer that I did not receive. I call multiple times and was told to just wait until the end of the month before I discovered it was sent to the wrong account. They said I would have to wait 60-90  days before the funds would be returned and that I had to pay for the transfer in the meantime. US Bank has been the worst customer service by a credit card Ive ever had.
Product: Checking or savings account

A fraudulent check was presented and paid by Wells Fargo bank ( 3 years old check ), and an atm withdrawl was processed by Wells Fargo bank. I notified them and they assigned it to a claims person for both transactions. I received a notice from them several days ago that the investigation had concluded and the fraudulent withdrawls were credited back to my account. I have received a new atm card. I called the bank today to have the hold on the bank account checking removed and I have been transferred at least 7 times and no one is able to lift this account hold. I have to write a check today for a plumber for my mother and I am completely unable to do this because there is no one at Wells Fargo bank that can assist me. I am not sure what I am supposed to do unless it is to just take all the money out of the bank and close it. 
wells fargo acct -- XXXX Last person I was referred to XXXX XXXX XXXX XXXX XXXX XXXX luck at getting him to answer.
Product: Money transfer, virtual currency, or money service

hello attached the document o paypal where they said my funds will be release on XX/XX/year> however i do not received the email. 

i need paypal help me to release the funds!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know who's computer started the problem, but on XX/XX/XXXX, Both the XXXX and Transunion credit reporting companys decreased my score XXXX points, without any reason. 

My accounts are all in good or excellent standing, I haven't had any new accounts opened or closed, and all my bills are paid on time. 
None of the XXXX reasons apply at all.. 
I called transunion, and they were very helpful, andcstarted a dispute/investigation.. 

Then i called experian to ask about and dispute it, and they told me they can't tell me why it decreased, the computer does it. 

I told them than their computer made a mistake, and they basically started deflecting responsibility, saying I should contact the lenders.. 

The lenders aren't the problem, again, all my accounts are in good standing, and there has been NO NEW ACTIVITY to warrant a XXXX point decrease in my score. 

I'm in the middle of trying to buy a house through the USDA, and this is the type of stuff that could cause my loan to not be approved.. 

PS Your entry box for the last 4 of my social security number, keep saying my entry of XXXX, is empty. 

So you might wan na fix that, and the last XXXX of my ss # for identity is XXXX