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

I have fraudulent inquiries on my credit report that I demand to be removed immediately I have already filed a FTC complaint, the following are listed below : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT XXXX DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE
Product: Debt collection

I do not have this bill in my name ; I do not know this company. 

CREDENCE RESOURCE MANAGE Last reported XXXX XXXX, XXXX {$3000.00} Open balance XXXX XXXX XXXX  Original creditor Opened XX/XX/XXXX ( XXXX XXXX )
Product: Debt collection

1. Around XXXX XXXX & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with Suntrust Bank attached will be the XXXX recorded satisfactions/release while the judgement on this mortgage was left opened. 
2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to Suntrust Bank & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which Suntrust Bank told us was OK to release to them their attorney.
Product: Credit card

XXXX XXXX, I opened a BECU checking/saving account for my XXXX-yr-old daughter, and at the same time co-apply for her a XXXX credit card. 
XX/XX/XXXX, I noticed the credit balance reached the limit ( {$500.00} ). I called my daughter and discovered some fraud charges. So I call BECU XXXX department and got credit back within 5 days. BECU cancelled the old cards and sent us XXXX new cards a week later. As soon as those cards activated around XX/XX/XXXX, more fraud charges were posted on the account. My daughter called BECU XXXX to report. They asked her to pay her portion ( {$74.00} ) and put the rest on a claim for investigation. three weeks later, there is no answer. We came to the bank, XXXX/XXXX/XXXX, and was asked to fill-out a fraud claim form. Two weeks later, I called for status, BECU agent asked me to file on-line with her on XXXX/XXXX/XXXX. Two weeks later, I called again XXXX/XXXX/XXXX. And here is the answer from BECU : " We are still working on your claim. It usually takes about 10 work days. Your claim took too long because during the holiday we have too many fraud cases. BECU does n't know when your claim is going to end. ''
Product: Payday loan, title loan, personal loan, or advance loan

I recently reviewed my credit report and noticed fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent letters to the credit bureaus XXXX, Experian, and XXXX. I waited 45 days and still no response from either bureau. on XX/XX/2020 i sent another letter for the credit bureaus to comply and answer my request and still i haven't received an answer. it is now XX/XX/2020 and i still haven't received a response from the credit bureaus. This is clearly a violation of my rights According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of adverse accounts below reported inaccurate information and has violated my Federally Protected by U.S. Congress consumer rights to Privacy and Confidentiality Under the Fair Credit Reporting Act and 15 U.S. Code 1681 Adverse Accounts List- 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 ( reporting 2 different accounts remove 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 XXXX 15 U.S. Code 1681.- Congressional Findings and Statement Purpose ( a ) Accuracy and Fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave RESPONSIBILITIES with FAIRNESS , IMAPARCIALITY, and a RESPECT for the CONSUMER 'S RIGHT TO PRIVACY. 
( Which in this case the consumer is I, XXXX XXXX XXXX XXXX who has a right to Privacy of my information Under the Law and all accounts listed above I demand to have removed from my credit report ) 15 U.S. Code 1681b.- Permissible purpose of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER. 
( 2 ) In accordance with the written instructions of the consumer to WHOM IT RELATES. 
( Which in this case the consumer is I, XXXX XXXX XXXX XXXX gave no person, person 's, business, businesses, or entities any written instructions to furnish information of accounts listed above on my credit report! which is a violation of the law and I demand to have it removed permanently from my credit report ) 15 U.S. Code 1681c. Requirements relating to information contained in consumer reports.

( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following : ( 5 ) Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 
( Which in this case all accounts listed above in the " Adverse List Section '' of this complaint is adverse items of information reporting on my credit report and is a violation of the Law and must be removed ) 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
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. 
( Which in this case all accounts listed above need to be removed from my credit report immediately ) Thank for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I do not recognize this inquiry - please remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This should have been a soft inquiry
Product: Mortgage

I want my part of payment settlement as a once customer harmed by wallsfargo home mortgage company through their illegal activities to my account.
Product: Credit reporting or other personal consumer reports

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


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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This is the second time this bank has closed an account after they have provided a line a credit. First it was on a Wayfair account, then a couple of weeks later they offered another credit card through BJ XXXX XXXX I have made payments and charges on this card They now have closed that account on XX/XX/21 for no reason and have refused to provide any answer 's to questions. This has had an have impact my credit
Product: Checking or savings account

I opened a new account with citizens bank as before I used to bank with them and they closed my account before not sure why I never once owed them money bd was a good customer.recently I called a customer service rep and asked if I would be able to open a new account and they told me I could after providing my ssn to them. I made a small transfer after opening the checking and savings account online and two days later now they closed my account. I would like for this to be resolved simply by allowing me to bank with them as its easy for me as my employer uses citizens and would be much easier for me if we could get this resolved please
Product: Payday loan

i called and talked to someone there and told them i am taking care of my XXXX year old grandma with XXXX from XXXX everyday right now. i JUST found out my XXXX year old brother has XXXX XXXX XXXX and will be in a XXXX within a month, and i am a victim of identity theft for a 2nd time per the feds since XX/XX/XXXX i also explained this to someone there. no matter what i tell them its " I GOT TA HAVE IT NOW, NOW, NOW!!!!!!! '' I JUST NEED THEM TO STOP CALLING ME MULTIPLE TIMES A DAY AND COMING TO HOME AND CALLING MY FAMILY. this a VERY difficult time right now. and per my doctors orders NO PHONE CALLS until i see him next. XXXX
Product: Vehicle loan or lease

I got a  XXXX  vehicle from Santander Consumer back in  XXXX  the company I was working for went out business I spoke with several representative verbally they informed Me since I was laid off & volunteer returning the vehicle it 's okay this would n't effect Me that 's Not true I pulled My credit & it 's on there I have contact them & representative said it should n't be on there it 's mistake I was transferred to several different people 's & was given different details & the run around saying just make payment arrangements I said I refused to make any payments after I was verbally told Everything would be okay once y'all got the vehicle & then they did a charge off Santander  is  n't a good company after verbal agreement with Me I 'm not paying for a vehicle they have & knew My situation I was n't treated  far  & I 'm disputing this to be removed from My credit report.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened:XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX  APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE CASE BANK APP IS XXXX AND THE SCORE I SEE ON XXXX  XXXX APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED GURANTEED RATE AFFINITY THEY ADVISED ME THAT MY CREDIT SCORE IS XXXX THROUGH EXPERIAN, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST XXXX POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME XXXX IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : CNAC XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Account number:XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CNAC XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Late XX/XX/year> between XXXX, I entered a raffle on XXXX for XXXX XXXXhance to win XXXX pairs of brand new XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sneakers from a high following sneaker seller named XXXX aka XXXX XXXX XXXX The raffle instructions stated that XXXX lucky supporters would be chosen to win XXXX pairs of sneakers for {$200.00}, stating sneakers resell value at {$2000.00} each pair, I entered & was contacted be seller through direct message on XXXX confirming my win and stating I had to send the {$200.00} through Zelle, after he confirmed cash deposit, he would ship the sneakers to my address. I was in complete excitement I had won & the seller had videos & reviews on his page which I concluded he was a legit seller. I sent the {$200.00} through Zelle after creating an account & he confirmed receipt AFTER he confirmed he stated he did forgot to include shipping cost & I would have to send another {$95.00} due my address being in XXXX & he was located in the XXXX, I replied that shipping cost was never mentioned and rejected the additional amount and asked for a refund, he stopped responding, I contacted Zelle about the scam, they said to contact my bank first because it was a wire transfer & my bank should reimburse me, I contacted my bank, I submitted a refund request explaining the scam and I didn't receive the merchandise promised, they contacted me a few days later through email stating they would not reimburse me even though it was a scam I intentionally send the money to the Zelle account therefore I was reasonable and could not be refunded, the bank said to contact Zelle for the refund since I sent the money through them. I contacted Zelle again asking if they could contact the individual that scammed me using their service, a few days later I received an email stating they apologized for the loss, but once the money was exchanged there was nothing they could do and my bank would have to reimburse me since it was fraudulent. I was scammed {$200.00} and my bank nor Zelle refused to help retrieve my lost funds. I contacted XXXX and notified them I was scammed by the other account, by the next day or two the account was deleted or suspended, but when I tried contacting the Individual again the account was closed.
Product: Money transfer, virtual currency, or money service

I tried to transfer money from my PNC account to a charity and it said that PNC made a change that prevented me from linking my account
Product: Debt collection

This is now just a phishing scam through the mail. 

The first packet Gurstel Law Firm sent me on XXXX XXXX said they have already garnished and taken my money AT A BANK I HAVE NEVER HAD ANY ACCOUNT WITH! 

I havent found anyone to help me in these three months. 

Now it is XXXX XXXX and they have sent me THE EXACT SAME PACKET WITH A DIFFERENT BANK ON IT THAT I HAVE ALSO NEVER HAD ANY ACCOUNT WITH!!!! 

WHO DO I HAVE TO CONTACT TO GET SOMEONE TO DO SOMETHING ABOUT THIS?????? 

I live off of {$1500.00} a month from social security XXXX. I CAN NOT AFFORD TO PAY SOMEONE TO HELP ME! 

I also cant go the the cops here because they are also ones who lied when they said they delivered ME a summons way back in XXXX, I wasnt even LIVING IN THIS STATE, HOW DID A XXXX XXXX XXXX PERSONALLY HAND DELIVERED ME A SUMMONS IN XXXX XXXX WISCONSIN???? 

I HAVE NO IDEA WHAT THIS SUPPOSED DEBT EVEN IS. MY TOTAL REAL DEBT ISNT EVEN THIS MUCH!!!!! 

I shouldnt have to type out all the federal laws here for you to figure out what these people are doing is ILLEGAL.
Product: Credit reporting or other personal consumer reports

This information provided by " Aldous and associates '' is not correct. I don't even know who these people are. It's absolutely ridiculous. I want this removed from my credit report. I believe they're claiming I signed up for a gym membership and didn't pay. The only gym membership I hold is for a local gym in XXXX, Arkansas.
Product: Debt collection

I had a balance owed to Midland credit management llc on XX/XX/XXXX around the amount of {$1200.00}. I had paid down the debt to {$660.00} by XX/XX/XXXX which was reported on time by midland credit management on time. A conversation I had with a manager that urged me to want to pay the account off as soon as possible because he was threatening to sell my account elsewhere. By XX/XX/XXXX I had paid down the debt to {$0.00}. This action has yet to be updated and yet to be reported to the three major credit bureaus by midland credit management. XX/XX/XXXX I reached out to the company to resolve the issue and to see if they can update my paid off status to the credit bureaus. They declined saying that I had to lift my dispute first in order for them to help me. I feel that I do not need to list my dispute that is based on the truth in order to resolve this issue. They went on to even report an accurate information to the credit bureaus even after the dispute was made. Further destroying my credit. They have on my credit report that {$660.00} was the original account balance and that is not true. I paid the balance down from {$1200.00}. They are also saying that I owe {$660.00} as of today that is not true. They sent out a email XX/XX/XXXX saying that I owe {$660.00} and that it will be automatically taken from my account. I do not owe {$660.00}. I owe {$0.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion due to their improper handling of an inaccurate account related to XXXX XXXX. Previously, TransUnion deleted this inaccurate account from my credit report and provided me with written verification of the deletion. However, without any prior notice, they subsequently reinserted the inaccurate account on my report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, TransUnion has violated FCRA Section 611 ( a ) ( 5 ) ( B ), which requires that if a credit bureau reinserts previously deleted information, they must notify the consumer within five business days of the reinsertion. In this case, I received no such notification.
Product: Debt collection

I've just learned that XXXX XXXX XXXX has gone around my back yet again to deliver more false info, this time being my address, or XXXX associated with me to XXXX. On this alleged itemized bill that I've attached for you to view, shows an address in which I've never seen, heard of or have ever any connection with in any time or point in my life " XXXX XXXX XXXX XXXX XXXX, TX XXXX. '' I have already filed a dispute to XXXX who confirmed it false and had it deleted from my report. So far, I have had to go to each bureau and do what this " creditable '' collections company " XXXX '' said they had already done on their " Non-Monitary Releif '' statement from my first complaint # XXXX, and make sure these were deleted. XXXX out of XXXX bureaus had any idea this was even requested on their end, but another was to correct my address. Which address is my question... Chatting via CFPB complaint, they say they had my current address wrong, which I've proven that was a lie, and as far the address they reported behind my back to XXXX who posted it on my credit report that this was somehow my address on the itemized receipt. 

I've been advised to treat this as identity theft, and make a statement letting it be known, I shouldn't have to keep learning more and more fouls from a larger collection company. They are either desperate, or employ anyone to let this kind of criminal damaging actions take place. 

These accruing damages that I've endured are more than I can continue to bear. I've spent over {$1000.00} in trying to discover who this bogus info came from and how to get it removed off my credit reports. Not to mention the health conditions I've been in since my discovery of this malpractice, or the lack of sleep, work, time with family that I can not get back...