23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several correspondence to the Credit reporting agencies and they have failed to respond to my request for an investigation. Also XXXX stated that they verified my information but have failed to respond to my request for a XXXX of XXXX letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau last XX/XX/2021, and I have not received any response from them. That means Equifax has failed to comply with the Fair Credit Reporting Act law and continuously reported inaccurate information on my Credit Report. Here are the concerned accounts that need to remove completely from my Credit Report : XXXXBalance {$590.00} XXXX-Balance {$0.00}
Product: Money transfer, virtual currency, or money service

This happened back in XXXX of XXXX. I was going to buy a switch and pick it up in person. There was XXXX I thought was in person but they had sent it to me through mail. I sent that person XXXX dollars but nothing came to my house. I had asked for a refund due to being scammed and I got denied. 

Another person seemed legit even gave me an address to go to. So I sent XXXX dollars thinking I could go pick it up. By XX/XX/XXXX of XXXX  I went to an address that they gave me thinking I would receive it. But once I got there I got nothing out of it. So I was calling my bank to see if they could refund the transfer but they advised me to speak with zelle cause there was nothing to do on their end. So I called zelle to try to get my refund due to this event being a scammed situation. They said they couldn't do anything and that to go to my bank and ask if they can cancel the transaction. But I never got my money back even involved the police to help me catch the guy that scammed me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX  days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within XXXX  days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed dispute for the last XXXX days i sent in the requested documents ftc reporting drive license and the accounts still remain
Product: Debt collection

In XXXX I began the process of working with XXXX XXXX XXXX to settle my debt. Lowe 's Synchrony Bank was one of the accounts. Synchrony agreed to a settlement in XXXX of XXXX ( proof provided ) and XXXX XXXX XXXX sent them a settlement payment through XXXX Financial which Synchrony process. Around XXXX of XXXX, I noticed a collection on my credit report from XXXX XXXX XXXX XXXX for the original Lowe 's Debt. Starting in XXXX, I contacted XXXX XXXX and provided several forms of evidence showing the debt was paid. XXXX XXXX  stated they purchased the debt in XXXX of XXXX. I submitted a Statement from XXXX XXXX XXXX  showing the settlement and payment, a letter from Synchrony accepting the settlement, a receipt that the payment was made for XXXX XXXX XXXX through XXXX XXXX XXXX, a bank statement from XXXX XXXX XXXX showing the payment made, and a copy of the check sent to Synchrony bank in the amount of {$1400.00} that was processed by Synchrony. XXXX XXXX still refuses to accept my evidence of payment and continues to send me letters or remove the collections from my credit report.
Product: Checking or savings account

On XX/XX/XXXX I paid {$500.00} for a deposit for XXXX XXXX XXXX and the rental vehicle I had was XXXX  so I returned the vehicle on XX/XX/XXXX at which time XXXX stated it would take up to XXXX to XXXX weeks for the refund to be processed. I was then told by XXXX I could process a chargeback with my bank in which I did on XX/XX/XXXX. On XX/XX/XXXX XXXX processed the return of the funds to Chime, and it has been over the XXXX that Chime was given under Regulation E with no provional credit given if they needed more time to investigate. It is now XX/XX/XXXX and no resolution has been provided, and yet the funds have been returned to Chime. They make zero effort to resolve the issue and instead used canned responses which say the same thing. They claim they folllow procedures under Regulation E ; however as mentioned above Regulation E states that if an investigation takes more than 10-days a provional credit must be issued.
Product: Mortgage

i want to refinance my mortgage, but the mortgage company, ocwen, will not adhere to the terms of the modification agreement. in that they will not forgive the deferred princpal balance and keep adding it to the payoff figure ...
Product: Credit card or prepaid card

First Progress did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Product: Payday loan, title loan, personal loan, or advance loan

I believe this {$5000.00} loan was made in my name or through my account, but not buy me instead the money it was used in approximately a month and a half to pay off a XXXX and a dominium and personal loan. Neither of which I had, I have a couple documents with a knee signature, but we can clearly see the e-signature doesnt even come close to being an acceptable or passing and impedes the time stanl
Product: Checking or savings account

First I bank with Wells Fargo. As I tell the story all I hear is horrible things about Wells Fargo. First someone stole my information and tried to use my card and Wells Fargo called me to ask if it was me. It was not. They sent out a new card. A week later I received another call from Wells Fargo, or what I thought was Wells Fargo. I was on the phone with them and some things didn't feel right, but they kept send the verification texts with the codes on them, so I thought it was them. They said they were going to send out a new card. On XX/XX/year> I got another call from Wells Fargo asking if I am making purchases in New York. Ive never been to New York, I was on the XXXX story of a new job in XXXX, California. The people stole my info, got money out of XXXX at Wells Fargo and bought shoes at a store in New York. Im watching the transactions happen while I was on the building. As I talked to the Wells Fargo staff, I didn't have my card because they said it was not working. In all they stole XXXX from my checking account. A week later I received a letter saying my claim was denied to get my money back, and what's worse is that these crooks had a debt card sent to there apartment in New York. I did my research and the card number they used I never received, because it was sent to New York. I called the Fraud center and told them that I never received that card. That I never been to New York and that was not me making those purchases. Also why did Wells Fargo send a card to a state I have never been to nor never lived at. Why would they not call me again and ask if I wanted a card sent to New York. They said that they would do a call review. They would let me know in XXXX hours. I call back a week later and they said that they have not reviewed it and that it would take 10 days. I called back a week later and they said that the claim was still denied, that they could not prove it was not me making those purchases. I asked to talk to the manager and they seemed convinced that it was me. I asked is legal action my next step and they said yes. My friend at work told me about cfpb. We aren't rich, so that XXXX was a big hit. I am just hoping to get this resolved and get my money back.
Product: Debt collection

There were some fraudulent charges on my XXXX credit card which XXXX starting to managed around the date of the fraudulent charges. Before the credit card was managed by XXXXXXXX XXXX 

I have called the bank almost 10 times. I have also asked for a manager to give me a call back. Once they called but to my old phone. Therefore I couldn't answer. And I have sent a letter with the reasons below. But they don't want delete these charges.

I need to get a loan. Therefore I have payed the fraudulent charges just so I can get a better interest rate for the loan.

And here are the reasons why I think the charges were fraudulent. 

-During one of the calls with XXXX it was mentioned that someone asked for a copy of the card that I didn't request this before the date of the fraudulent charges.

-I have moved to a different place on XX/XX/2022. Therefore I think the credit card copy was sent to my previous address. 
XXXX has my current address but they don't have the date when this change was done on their system -I reached XXXX to find out if they know when my address was changed but they informed they don't have any account information and that it was provided to XXXX. 
-The fraudulent charges were made on the stores XXXX XXXX and XXXX XXXX XXXX. And if you check the account activity I have never used that credit card to buy in those stores. 
-The fraudulent charges were made in 2 consecutive days trying to reach the total credit line.

-The fraudulent charges were made just when the credit card started to be managed by XXXX . This is very weird. 
-I haven't used the gap credit card in months as it can be seen on one of the attachments.

-I have used the gap credit card to buy only from the gap store and for amounts less than {$200.00}. Not for over {$2000.00} like the fraudulent charges reported.

And the fraudulent charges are XX/XX/2022 {$670.00} XX/XX/2022 {$250.00} XX/XX/2022 {$250.00} XX/XX/2022 {$48.00} XX/XX/2022 {$300.00} XX/XX/2022 {$410.00} XX/XX/2022 {$87.00} XX/XX/2022 {$800.00} TOTAL {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company directly and they told me they was not able to see anything in they system and they not sure of the problem and that I should call XXXX XXXX which I did and I freezed my account so nobody would be able too use my account because this account I have no knowledge of.
Product: Debt collection

Received a phone call on XX/XX/2022 from XXXX. There was no caller ID info other than " location unknown. '' Caller left the following voicemail message : " Hi, This is XXXX XXXX calling from Wakefield and Associates. Please contact me or any of our representatives at XXXX. '' The voicemail did not include any information about who they were trying to contact. 

I hit redial on the incoming number ( XXXX ) but did not get the name of the person who answered. Before a real person picked up, a recording stated, " This is an attempt to collect a debt. '' I did not provide my name or any other identifiable information. I stated XXXX ( XXXX ) times to " remove this number from your call list '' and then hung up and blocked the incoming number. 

This is the second ( XXXX ) contact from Wakefield and Associates. The first was a text message around the end of XXXX or first of XXXX. In the preview of the text message that could be seen without opening the entire message, there was no information about who they were trying to reach. It just said " Please contact Wakefield and Associates. '' I deleted the text without opening or responding. 

I do not have any delinquent or unpaid debt so there is no reason for a debt collector to contact me. Also, I have had my phone number for approximately XXXX ( XXXX ) years so it is unlikely that they are trying to contact someone who may have had this number before me.
Product: Debt collection

On XX/XX/XXXX I filed a dispute with XXXX XXXX in regards to an item on my credit report under Portfolio Recovery that I had no knowledge of. I filed a second dispute on XX/XX/XXXX with XXXX XXXX and on XX/XX/XXXX I filed a complaint with XXXX XXXX XXXX. The account they have on my credit report is for {$1500.00}. I have been trying to communicate with them to remove this item as I did not open an account nor do I have any knowledge of such. If any such account was created someone must have used my information and created and used it without my knowledge or consent.
Product: Debt collection

I switched from XXXX with XXXX XXXX XXXX to XXXX with XXXX XXXX XXXX. XXXX billed me twice during my first month with XXXX with the same dates of service for XXXX, though I no longer had XXXX. When I changed services to XXXX, I had just paid my bill and had a {$0.00} balance. I have tried to resolve this with XXXX XXXX XXXX, but they are unable to show me proof that I still had XXXX and they were rude to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, Experian, and XXXX. ... XXXX, Experian, and XXXX  are legally obligated to provide identical information Upon review of my XXXX  and XXXX  report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per XXXX  report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX  payments are not able to be verified. 

Per further investigation I am requesting that information being reported by XXXX XXXX  be verified based upon accuracy. XXXX is showing no payment data. XXXX  is showing 17 late payments reported by XXXX XXXX. Experian is showing 16 late payments being reported by XXXX XXXX. 

Experian is showing 2 accounts ever late. XXXX  is showing 3 accounts late as well as XXXX. But under XXXX  and XXXX  only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.
Product: Debt collection

My name is XXXX XXXX I got notified by XXXX XXXX that lg ross was now listed on my credit report. this has caused much damages. never received notice from lg ross. they are collecting from a XXXX XXXX  account that was fraudulent. Please have them remove from my credit report
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 confidentially under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A : s I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or the reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identity and personal information is under a suspicious authority in fraud and theft targeted at my personal BANK OF AMERICA BANK ACCOUNT, this suspicious authority maybe the IRS INTERNAL REVENUE SERVICE or SOCIAL SECURITY ADMINISTRATION or OUTSIDE ORGANIZATION in invading my privacy rights in tampering with my personal identity and personal information in my BANK OF AMERICA BANK ACCOUNT,,,,
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX SIMPLE Account Number XXXX Delete this account. 

2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number XXXX Delete this account. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX  XXXX Account Number XXXX Delete this account From My Credit Report
Product: Credit reporting

i did contact experian about XXXX/XXXX to dispute a inaqurate info they toll me first of course we will help you they start investigation no resolve i contact them agian why this item is not deleted from my file they toll me this item is gon removed they lie to me they never removed i call webbank to remove or else i will sue you they aggre they send me letter home i forward thet letter to experian is clear they did send electronic not to experian to remove inaqurate info still nothing i dont know what to do withe this idots they r very nasty people idots i did send them a prove and no resolt i nid help
Product: Credit reporting or other personal consumer reports

I pulled my credit report, and some of the items are missing from it. XXXX # XXXX XXXX it missing from there, XXXX XXXX XXXXXXXX Its missing from XXXX, XXXX XXXX  # XXXX Missing from XXXX, equifax and XXXX, XXXX  # XXXX XXXX Missing from XXXX and Equifax, XXXX XXXX  # XXXX Missing from XXXX and Equifax, XXXX XXXX XXXX XXXX missing from XXXX XXXX XXXX XXXX XXXX mising from Equifax, XXXX # XXXX missing from Equifax, XXXX # XXXX missing XXXX XXXX and XXXX and XXXX # are XXXX Missing from Equifax.
Product: Bank account or service

Our car was stolen with my wallet in it. It had my debit/credit card. The thief used the card via debit several places before we discovered car gone charging XXXX at several stores. Our bank investigator was hateful and denied charges. We reported it stolen with a few hours. The bank denied us and said they wont give us out money back, None of it. Commerce Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I made double payment by mistake i.e. over paid about {$3200.00}, 45 days ago. 

Still struggling to get my money back. Now the agent says it could take another month or so for Bank of America to complete the investigation and provide me the money back. 

Business credit card ending in XXXX.