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

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable
Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately. Reporting past due amounts on a collection or charge off is a violation and should not be on my credit report. This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XX/XX/XXXX creditor name XXXX XXXX individual account XXXX $ Owed Stating that the account has been overdue by 120 days and is writing a charge off the account for taxes purposes XX/XX/XXXX opening date limit XXXX $ monthly payment XXXX $ ) this is all the information I gathered from my derogatory mark on my credit report affecting my credit score because of a this fake account or this whole report I am completely unfamiliar with me ( XXXX XXXX ) this information on my Credit report is false and it doesnt match my records
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies on my Experian credit report by mailing my dispute and supporting documents. The documents were sent via USPS certified mail and were delivered to Experians front desk, reception area, or mailroom on XX/XX/2024, at XXXX XXXX  in XXXX, TX XXXX, according to the USPS tracking information. Despite this, Experian claims they never received my dispute. 

I have provided proof of delivery, including the USPS tracking number, to demonstrate that my dispute was received. Experians claim that they did not receive the dispute is untrue and appears to be a stalling tactic to avoid addressing the inaccuracies on my credit report. 

I am requesting that the CFPB intervene and require Experian to acknowledge receipt of my dispute, process it properly, and conduct a thorough investigation into the disputed items to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit report alert from XXXX that my mortgage acct was 120 days past due. I called loancare in regards to this and was informed that the 120 day was reporting for XX/XX/XXXX. I don't understand how that can be being that I was in an active forbearance during that time and I am still in an active ch. XXXX and was informed no negative information would be reported. I need some to correct this expeditiously because this will stop me from qualifying for my new home. My loan number was XXXX.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and hard inquiries from my credit profile from Experian XXXX and XXXX XXXX immediately. 

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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against SoFi banking ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Sofi failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate help about the situation I sent my money from XXXX XXXX it to Sofi banking Ive been doing it since XXXX. They said theyre gon na close my account and they did not close my account holding restrictions on the money that I work hard for I know this is against the law. I filed a complaint on them. This happened XX/XX/XXXX. They have yet to send my money back to the original sender, which is me and theyre holding my account open claiming that theyre gon na close it with XXXX something dollars and they wont give it back. I need somebody to help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. ( XXXX XXXX XXXX XXXX XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated Thank you,
Product: Credit reporting or other personal consumer reports

MY CREDIT SCORE IS ONLY REPORTING IN XXXX, IT DOES NOT REPORT ME IN THE OTHER CREDIT BUREAUS LIKE XXXX AND EXPERIAN, I CALLED THEM AND TALKED TO A SUPERVISOR AND THEY TOLD ME THEY HAVE NO INFORMATION ABOUT ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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: Credit reporting or other personal consumer reports

Dear XXXX, TransUnion and XXXX, I am writing to dispute and request the immediate blocking of all fraudulent and collection accounts that have been reported on my credit report. These accounts were opened and used without my authorization and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the following fraudulent accounts and Collections accounts from my credit report : [ XXXX XXXX XXXXXXXX {$210.00} ; XXXX XXXX XXXXXXXX {$440.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX ] Collections [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ] I also do not recognize the following HARD inquiries : XXXX : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX. TransUnion : XXXX XXXX, XXXX, XXXX, XXXX. XXXX : XXXX XXXX, XXXX XXXX and XXXX XXXX 

To support my claim, I have enclosed the following Documentation : 1 ) A copy of my Goverment -issued ID. 2 ) A copy of a recent utility bill. 3 ) A completed Identity Theft report filed with the FTC.

As required by law, please block these fraudulent accounts and refrain from firnishing them to any third parties.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I sent money to the country of XXXX XXXX for some XXXX I did it through MoneyGram and the money never reached the sender in MoneyGram 's support they don't give you help and everything remains in limbo to this day I don't have a response and not even my money has been refunded I have screenshots that the money was taken by MoneyGram from my bank account to carry out said transaction that was never made effective It is not fair that these companies continue kicking and taking advantage of the consumer who works so hard to earn that money that is sent what MoneyGram did or is doing with customers is malicious withdrawal and deceptive service of funds
Product: Debt collection

On XX/XX/2024, a request for debt validation was sent to LVNV Funding LLC via certified mail. The company acknowledged receipt of this letter on XX/XX/2024. 

Details of the Complaint : Lack of Response : As of today, no response or documentation has been received from LVNV Funding LLC. The period for a response is not yet complete, but the delay is causing concern and stress. 

Non-Compliance Concern : The lack of timely response raises concerns about whether LVNV Funding LLC is complying with the Fair Debt Collection Practices Act ( FDCPA ). The disputed debt continues to appear on the credit report, which is impacting credit worthiness. Specifically, LVNV Funding LLC has not provided : Proof of their legal ownership of the debt. 
Evidence of authorization to collect the debt. 
A detailed account history including all charges and payments. 
A copy of the original contract or agreement with the original creditor. 
Proof of proper notification about the debt. 

Impact : The continued presence of this disputed debt on the credit report is causing undue financial and emotional stress.
Product: Debt collection

i have tried fixing this for 2 yrs now. I had my car broken in to and had my wallet stolen.it had my id and social card stolen. i got a police report and have submitted to all the bureaus. experian and XXXX have yet to take it off my credit. i recently sent them another dispute showing that the information doesnt even match up between the bureaus and that the address is wrong, it isn't my address. this is an account from XXXX XXXX who purchased it from XXXX XXXX stating i owe them {$1500.00}. at no time have them showed me any proof of this account such as opened account info or contract
Product: Credit card

I was playing a phone game, " XXXX XXXX '' through XXXX XXXX. They had issued refunds ( my withdrawals of money ) to my PayPal account which is reflective on my Paypal account. My credit card company, XXXX XXXX XXXX never received the attached refunds. I have been contacting both XXXX and PayPal and they continue to point the finger at each other. PayPal says XXXX needs to " approve '' the pending authorization for refunds. XXXX says it is automated and they do not see any pending refunds from Paypal. I need help. I have had XXXX and Paypal speak to each other three times and am calling them every other day. I do not know where else to turn..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the lack of response and cooperation from the creditors in validating the debt associated with the accounts listed below. This matter is of utmost urgency, and your blatant disregard for providing the necessary documentation is unacceptable. Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Equifax and the only response I get is verified. I ask XXXX XXXX/XXXX XXXX for VALIDATION since I live in XXXX  & this company seems to be in XXXX. 

My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to use Western Union to pay my mortgage. As advised by my mortgage company. I sent {$800.00} being charged up {$50.00} fee totaling {$850.00} to my mortgage. My mortgage company denied it because it was a few dollars shy of the total needed for the month. They sent it back for a return. I was not aware of this and sent another {$400.00} to my mortgage company on XXXX the XXXX, being charged {$30.00} to send it totaling {$430.00}. On the XXXX I was made aware the morgage company was returning the money. I woke up on the XXXX and looked at my bank account, instead of a return I was charged {$800.00} more. Leaving me with a negative bank account. I immediately contacted Western Union to see what happened to my {$1600.00}, they couldn't give me a answer. I sent bank statements, pictures, with no answer. I started to worry about the other {$430.00} I sent to my mortgage on the XXXX. The XXXX I was charged another {$430.00} instead of getting a refund. Now the total is at {$860.00}, the full amount {$2500.00} putting me, my XXXX children and XXXX wife in a bind beings I am the only pay check for the household. Since the XXXX of XXXX I've been in contact with Western Union, trying to find a solution, they just paid sh me off to a different person every time, the excuses have been ; It's was a glitch in our system. It's your banks fault! It's your fault ( beings me ). It's a double payment you made. 
None of these have proven to be facts in the paper trails of emails and bank statements in my possession. 
I would like to be compensated for the month of agony my poor family has suffered for the ignorance of Western Union and the customer service that has been shown.on top of the {$2500.00} they owe me leaving my family stranded with no groceries.
Product: Credit card or prepaid card

Approximately 3 months ago I received a credit card in the mail from BMO Harris Bank. I did not order this credit card, ask for it, apply for it, nor did I make the activating phone call noted on the back of the card. I mailed a note to BMO Harris Bank on XX/XX/2019 explaining the above and noting the card has never been used. To date I have received no mailings and/or reply from BMO Harris Bank, only a billing statement asking for the yearly fee of {$80.00} due on this card. Three statements have followed, stating in addition to the yearly fee, fees charged and interest charged now total {$180.00}. 

I am an XXXX year old female, and I consider this an unfair and deceptive practice.
Product: Checking or savings account

For no reason at all my account was closed. I used it to store my investment funds and pay minor bills. Their reasoning was We no longer want a relationship with this customer. This put a hault to my daily transactions. US Bank. My account was also charged fraudulently prior to the closing & I was unable to resolve it.
Product: Credit card or prepaid card

I applied for a store Card. Was denied based on a Credit freeze on. The company listed for the credit freeze was " XXXX / XXXX XXXX XXXX XXXX XXXX ''. Upon calling them they didn't have a credit freeze on me. They don't do credit freezes. They looked up the information in their system on me and reported that there was nothing that would cause a creditor to deny me credit. They also had no record of Comenity bank making a credit check. I had unfroze my Credit reports with the three credit bureaus- XXXX, XXXX, & XXXX. Records show that the bank had in fact made a credit inquiry with XXXX on XX/XX/2022. I'm not sure why they fabricated this story about XXXX when obviously my credit was checked with XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

A back ground check was requested and submitted on XX/XX/XXXX to XXXX. The search dates for this back ground check dated back to XXXX of XXXX charges from XXXX & XXXX appeared. The date of the search is listed clearly, the dates of the offenses are listed clearly. This error has affected my eligibility for hire, I have sent emails and texts. I will call the third party who furnished the report Monday, XXXX XXXX  XXXX. 

I haven't received anything helpful back from the hiring or screening companies as of yet. ( XXXX XXXX XXXX. ) Lastly, I have not been notified as to what necessities of the job my history conflicts with and feel prejudiced. I would appreciate any aid, this position is very important to me.
Product: Credit reporting

a salesman from XXXX sold me a phone saying it was better and cheaper than my XXXX, said try it and if you do n't like it just send it back within 10 days to void your contract, i said OK and drove to my cabin in XXXX for a weekend and the phone had no service.so Monday morning ( 3days ) i sent the phone back XXXX ( insured ). billed 90 days later!!!!! and call XXXX and tell them the same thing ( give them all u.p.s.info ) ... 3 times, and 3 times said they would resolve it ... .now im in collections ( XXXX ) for a phone i never could use .... how is this possible? there just taking advantage of people.not fair ... ... .... : (
Product: Debt collection

Kimball Tirey & st J have put multiple accounts on my credit refuse to follow ANY federal laws refuse to validate any accounts refuse to respond make threat against and call my elderly mother and demand XXXX in payments on a account that hasn't even been validate or showed proof I owe total XXXX XXXX  telling me were lawyers we can do want ever we want this company has contact my family telling them Im a " XXXX XXXX '' and a " XXXX '' and give them personal information and spending slanderous and defamation even tell my kids dads a " XXXX '' and doesn't pay his bills even call my kids cell phone number
Product: Mortgage

ILLEGAL FORECLOSURE AUCTION SALE against our home by Nationstar 's very own XXXX auction two days from now. ( XXXX by XXXX, wholly owned by Nationstar Mortgage LLC . XXXX is formerly XXXX. ). 
PLEASE SEE ATTACHED. Exhibits to follow by Fax. DEFECTIVE NOTICE of TRUSTEE SALE - LENDER is NOT IDENTIFIED, is supported by DEFECTIVE Notice of Default - please see CFPB case files # XXXX and XXXX for exhibit on Defective Notice of Default. THANK YOU for your URGENT INVESTIGATION and ENFORCEMENT action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own a XXXX XXXX  credit card. I am a victim of identity theft.
Product: Debt collection

I previously had phone service with XXXX XXXX. My bill was set up on auto-pay and was taken directly from my account each month. I switched phone carriers, which resulted in a final bill, which was paid automatically on XX/XX/XXXX. I have attached documentation to reflect this information ( my XXXX account was under a previous last name of mine ). 

For some reason, XXXX has repeatedly placed the amount for this final bill ( {$1000.00} ) with multiple third party collection agencies/attorney firms. I have disputed this several times and have even received confirmation that the dispute was closed in my favor. I requested a full validation of debt from the last agency that contacted me in regards to this. I received that validation of debt documentation on XX/XX/XXXX. This documentation clearly shows my final bill and the corresponding payment, reflecting a XXXX balance owed. Not only is this causing unnecessary stress, it is now negatively impacting me. I was recently denied credit because this is reflecting on my credit report and I also had to accept a car loan with a much higher interest rate than I feel I would have qualified for. I responsibly pay all of my bills through auto-pay because I care very much about my credit rating. I am very upset that this is impacting me so negatively and I was actually really embarrassed during the car buying process when this came up. I do not know what I need to do to get it resolved.