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

XX/XX/23 someone called my landline claiming to be from Wells Fargo. Stayed someone trying to get XXXX. I do not bank at Wells Fargo did not give any additional information but will meet with bank later to stop or check if an account is being opened falsely in my name
Product: Credit reporting or other personal consumer reports

I am writing to address a serious violation of the Fair Credit Reporting Act ( FCRA ) that has occurred. It has come to my attention that unauthorized inquiries were made into my consumer report from various entities without my consent or a permissible purpose. These inquiries are in direct violation of the FCRA, as detailed in [ insert relevant sections of the FCRA ]. 

According to the FCRA, a consumer report should only be obtained for purposes authorized under the law, and without my consent or a permissible purpose, these actions are unlawful. Furthermore, obtaining information from a consumer reporting agency under false pretenses carries significant penalties, including fines and imprisonment. 

In light of these violations, I demand the immediate deletion of the unauthorized inquiries from my consumer report. Additionally, I will seek compensation in the amount of {$1000.00} for each unauthorized inquiry, as provided for under 616 of the FCRA. 
Please find enclosed a list of the unauthorized inquiries made for your reference : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To resolve this matter promptly DELETE ALL INQUIRIES or I will seek an attorney and demand {$1000.00} per inquiry violation, I request that payment for each unauthorized inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and noticed that there were inquiries that I never consented to or did I ever benefit from them in any shape or form. I was told my information was leaked in a data breach with XXXX and XXXXXXXX XXXX recently as well. This keeps occurring with random inquiries popping on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries shown below are fraudulent activities on my Equifax report. I would like them deleted off my report please. 

XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXXtax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.
Product: Debt collection

XX/XX/2019 Midwest Service Bureau XXXX Kansas XXXX, They tried to call and collect a debt I owe I tried to set up payments again, and the lady told me because I only owed XXXX they would not accept XXXX payments so she said to either pay the whole thing today or threatened to garnish my wages. She continued to say that if I could not pay the entire amount to find someone to borrow the money from because they were tired of waiting! I talked to the rude representative on multiple occasions and had made an effort to setup XXXX payment arrangements and she stated they would not accept less than the entire payment each time I offered to setup payments! I am working on filing bankruptcy and told her this again and she said if I could not give her his name and prove that I had retained the attorney that they did not care and would pursue legal action. At the time I could not start the process because of a paper the lawyer requested. So he did not want me to pay him until he determined what type bankruptcy to file. And the rude representative laughed and said she did not care and would start legal action. She argued me that I never tried to setup payments and said she could back through records proving that I never attempted to setup payments and I told her go ahead and look and she said she was the only one you spoke with and stated I never offered to make a payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXXXXXX XXXX XXXX bankruptcy Reference # : 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
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to resolve this matter. 

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 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  ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the prompt removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please research my credit history. You can see that it was great until XXXX of 2022. My Mortgage company ( XXXX  ) has ruined my credit. Ive argued with them for over 6 months. XXXX management is adamant they are right, and more importantly, I am wrong. I filed a XXXX claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful. 

Caliber, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from XXXX. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. XXXX puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to XXXX. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX. 

If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A XXXX  manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, XXXX still has the money. I didnt get the money until XXXX. XXXX management is not going to research anything. If their screen reads late. It is late. PERIOD. 

This all began by a XXXX error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding. 


Please help,
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXXXXXX My birthdate is XXXX, and my social security number is XXXX XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

I am not disputing the Calvary Profolio account # XXXX any longer. It has been 9 years since it occurred it is past statue limitations. Sincerely XXXX XXXX ( XXXX )
Product: Debt collection

I received a letter that I owed over XXXX XXXXXXXX to an apartment that " didnt receive '' our break lease fee. They charged us rent until the end of our lease despite ample notice and not cashing our break lease fee. They never called or sent a letter to our forwarding address of any bill owing. After they sent us to collections I still have not received any paperwork of what is exactly charged from the apartment. I was told if I didn't apply for a loan through XXXX they wouldn't allow me to setup a payment plan and they would damage my credit by reporting me to the credit agency. I tried to setup a payment for the XXXX of the next month only a few days to a week away and they demanded immediate payment or they wouldn't work with me. Again I felt threatened and I still don't knew exactly what I owe from the apartment I believe fraudulently didn't cash my check so they could collect more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

On XX/XX/XXXX Rushmore Loan Management Services made a payment from my escrow account for {$300.00} for Mortgage Insurance ( PMI ) due XX/XX/XXXX. The payment due XX/XX/XXXX was made by XXXX XXXX XXXX ( my prior mortgage company ) before the servicing of the loan was transferred to Rushmore. 

I spoke to Rushmore on the phone for nearly an hour attempting to resolve this and received nothing but the runaround from the representative as well as the supervisor that I spoke to. They said it was my place to prove that the payment was made by the prior mortgage company. These are records they should have received when accepting the transfer of responsibility. 

I paid to have proof faxed to them that the payment was previously made and have yet to receive any response. 

Rushmore Loan Services reviews speak for themselves. They are a terrible company to deal with and it is even worse that they were not selected, the loan was merely transferred to them. 

I find it absolutely crazy that they actually reside in Puerto Rico and are treating United States consumers in such a way. I hope the Federal Government steps in and shuts them down. 

I want the overpayment/duplicate payment of {$300.00} refunded to my escrow account ASAP!
Product: Credit card or prepaid card

I, XXXX XXXX, am a consumer in fact and I am writing to provide written notice to the creditor of a billing error contained in my statement. Pursuant to 15 USC 1666B ( 1 ), I have identified a credit balance error.

I am writing this compliant because of an error in the posting of a credit to my account, pursuant to 12 CFR 1026.10 of the Truth in Lending Act ( TILA ). I understand that I made two payment on my account, but the credit was not posted in a timely manner, resulting in an inaccurate account statement.

Under the provisions of the TILA, creditors are required to properly credit payments made by consumers and to provide accurate account statements that reflect all payment activity. It appears that Discover have failed to comply with these requirements.
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 TWO DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE
Product: Money transfer, virtual currency, or money service

I opened a PayPal Case against a merchant regarding a refund because a reservation I booked through them was reportedly cancelled so I had to pay again with my physical debit card. The company agreed to a refund but never provided it so I opened a case against them and provided PayPal with all the information requested. PayPal still sided with the merchant despite all the information I provided.
Product: Credit reporting or other personal consumer reports

My address is ( your current address ) Please remove all the addresses from my report that are highlighted as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA since they are inaccurate. 

My name is ( XXXX ) Please remove any other aliases. 

Please remove all phone numbers they do not belong to me.
Product: Debt collection

I have been receiving collection texts and calls regarding a debt they claim I have taken on the XXXX of XX/XX/year>. The date of this " transaction '' was provided via response to XXXX  complaint I have filed. They claim to have verified that the account they sent these funds went to a verified bank account of mine. I only have XXXX active bank account and I do not see a transaction from any company resembling the name of this company nor any company that does this type of business. I have tried working with them, but they want me to provide more information about myself, which to me is worrisome. I don't know anything about this company and do not know of their legitimacy. The address on the account is not my address. The emails they have sent are not coming to me, and they won't send the requested information to the email address I have provided in an effort to protect the privacy of the person who allegedly took the loan. It seems they do not want to assist me without me providing my personal information. I have formally disputed this debt with them and they are still aggressively collecting from me. I do not understand why they will not provide information to me without wanting all of my personal information. They are ignoring my dispute of this debt and refuse to assist in providing me information to provide to law enforcement. They will only send documents to the address and email on the account, which is not mine. They very obviously did not verify the debtor as being me before relinquishing funds to them. There should be a way I can work with them, without providing more personal information. They have an email address that I have provided to send me more information, but they are more interested in protecting the identity of a thief than helping me. They sent me a fraud affidavit allegedly, but the link was broken and any information they claim to have sent me, was not included in the email they sent, when they said it was attached to the email. I have been as transparent as I can be, but the more I deal with this, it seems like they are phishing me.
Product: Debt collection

I have tried several times to explain to Southwest Credit Sytems I never had XXXX  services. Also I tried to explain this is Identify fraud.
Product: Debt collection

I am filing this complaint regarding an incorrect and unfair debt listed on my credit profile by NCB Management Services. I have no knowledge of this account, and it appears to have been inaccurately reported. The balance of {$2700.00} is unreasonably high and not something I have agreed to or can confirm. Despite disputing this with the creditor, they have not provided any valid documentation to substantiate the debt. This situation has negatively impacted my credit report, causing unnecessary stress and financial hardship. I kindly request a thorough investigation into this matter and the removal of this derogatory mark from my credit profile. I seek fair and accurate reporting as mandated by the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

I left the corporate world to join the world of education because I believe that public school instruction is one of the most noble things you can do. After a large pay cut as a result of this decision, I decided to go back to school and obtain a XXXX XXXX in XXXX XXXX. In order to do so, I had to take out several student loans. Afterwards, I accepted the opportunity to put my loans off until I was in a position to pay them. The process resulted in several lates as a result of the deferments. I was later offered an opportunity to take part in a rehabilitation program to get my loans on track. I was told by the Department of Education and by Navient/XXXX XXXX that one of the benefits of joining the rehab program is that my late payments would be removed from my credit report since I would be consolidating my loan ; otherwise, I would have a TON of late payments and several listings on my credit report. I quickly agreed. I have completed the rehab program and now they are refusing to remove the lates and old postings from my credit report! This is impacting my score greatly. I have reached out to the CEO of XXXX XXXX/Navient and to the Dept of Education and no one will listen! I have over {$180000.00} consolidated in student loans under one listing, which is right, but then, there are a TON of old accounts - all with SEVERAL LATES. How am I suppose to move on with any form of quality life if my credit is destroyed as a result of this? I feel that I was completely misled. I am the primary caregiver for my XXXX XXXX XXXX mother who now needs special accommodation in her home since her XXXX. How am I supposed to reestablish credit and support her needs and mine if my credit is destroyed. I have lost all faith in the student loan process. When my students ask me about going to college and getting a student loan, I absolutely cringe at the thought.
Product: Payday loan, title loan, personal loan, or advance loan

I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company National Credit Adjusters LLC, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Equifax 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety..