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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ATTN : Consumer Financial Protection Bureau Subject : Complaint Against XXXX, Equifax, and XXXX for Repeated Violation of Consumer Rights and Erroneous Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint against XXXX, Equifax, and XXXX, the three major credit reporting agencies, regarding the continuous violation of my consumer rights and the persistent erroneous reporting of accounts on my credit reports. These erroneous entries, specifically closed accounts, are significantly impacting my financial stability and overall well-being. 

I have already submitted previous complaints to the Consumer Financial Protection Bureau ( CFPB ) in relation to identity theft, which have unfortunately been ignored. This has left me with no choice but to escalate my concerns and seek legal action to protect my rights as a consumer. 

The specific accounts that are inaccurately reported on my credit report are as follows : 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 It is crucial to note that no method of verification was undertaken by the credit reporting agencies despite my repeated requests for verification and dispute. Despite this, the aforementioned accounts remain on my credit reports, causing significant damage to my financial reputation and hindering my ability to access financial opportunities. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of my credit information. The continuous erroneous reporting and lack of proper verification have resulted in grave emotional stress, and I believe I have suffered direct financial harm due to the actions of these credit reporting agencies. 
In accordance with the FCRA, I am seeking monetary damages for each violation committed by XXXX, Equifax, and XXXX. 

I request {$1000.00} for each violation of the FCRA, as this is the statutory maximum allowed under the law. I also demand the immediate removal of the aforementioned erroneous accounts from my credit reports to rectify the harm caused. 

I implore the Consumer Financial Protection Bureau to thoroughly investigate this matter and ensure that XXXX, Equifax, and XXXX adhere to their obligations under the FCRA. It is my sincere hope that the CFPB will intervene in this matter promptly to rectify the serious violations and disregard of my rights as a consumer. 

Please see my previous complaints to the CFPB regarding relevant documentation supporting my claims. 

Please acknowledge receipt of this complaint promptly and provide me with updates on the status of the investigation. You may contact me via the provided email address or phone number. 
Thank you for your attention to this matter, and I look forward to a swift resolution to protect my consumer rights. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Scammer falsely claimed to be selling an oud ( musical instrument ) on XXXX marketplace, insisted on purchaser ( me ) sending a partial deposit via cashapp in advance of actual purchase because of ( supposedly ) other interested buyers. As planned date of meetup approached, scammer insisted on full payment in advance of meeting, and refused to even consider the idea of payment upon meeting or even re-doing payment with buyer protection enabled via a different service. Meanwhile, I had my friend ask them if the item was still available, and they said yes. When it became clear that I was not going to send them more money without receiving the instrument, they blocked me and deleted some of my messages in the chat.
Product: Credit card

On XX/XX/year>, I received XXXX Spam Emails. my email is XXXX  emails came to my main email. Most were random phishing emails that stated I signed up for something. XXXX emails came from American Express and stated that I was approved for an American Express Lowes Credit card. I called American express and reported the fraud to them. They are cancelling the card and looking into the matter. Someone had my information and opened up the account using an old mailing address from XXXX XXXX ago. I have since frozen my credit with the XXXX main credit Bureaus. No other credit was applied for but they did show the American Express card that was opened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  {$950.00} claims I owe. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud 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. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX SXXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}
Product: Debt collection

Company want to collect a debt they say I owe. Amount is incorrect.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Mrs BPO LLC XXXX XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

MACY 'S DEPARTMENT STORE HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB against TransUnion on XX/XX/XXXX regarding 3 unauthorized inquiries. In my complaint submitted to TransUnion all necessary documentation as advised to me by the FTC. On XX/XX/XXXX I received mail from TransUnion stating they did not have my current address and wanted me to send them proof of address. TransUnion was sent my proof of address in my original complaint with CFPB which did include my drivers license with my current mailing address including my social security card. I have resided at my current address since XX/XX/XXXX and TransUnion knows this because I sent them a dispute last year with all required documents. TransUnion is violating my rights under the FCRA, they have failed to remove inquiries and have failed to accept my Identity Theft Report despite submitting all required documentation. Once again I am submitting this complaint, and including : Identity Theft Report, Letter to Equifax, Drivers License, Social Security Card, Proof of Residence, TransUnion Credit Report, and FCRA 605b. If TransUnion fails to investigate my complaint this time I will have no choice but to file a complaint with my Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Credit report an noticed that there were items reporting that did not belong to me. 
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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Well they have a charge off in XXXX that I have not received the XXXX from them and I have requested. It is now XXXX tax year and they are still reporting this account as a charge off. That is fraud. If you charged the debt off then it is gone.Thats Fraud. They report to all 3 credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXXBalance : {$12000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXXXXXX : {$14000.00}, XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX : {$14000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Balance : {$17000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired onXXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I

am writing to formally request the blocking and deletion of the fraudulent account and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. Fraudulent Accoun
t XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries 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 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
Product: Checking or savings account

On the XXXX of XXXX I received a call ( XXXX ) from the USAA fraud department ( alleged ). Caller identified himself as " XXXX XXXX. '' Promptly recited USAA protocol to confirm my identity. " Is this XXXX XXXX, please verify your telephone passcode. I provided the info. XXXX proceeded with a itemize list ( auto shop in XXXX, XXXX unknown store in XXXX XXXX, and three unknown locations in XXXX XXXX XXXX of locations in which my debit card was used. I responded no to all transactions. XXXX stated culprit possible USAA employee. Recommended I find nearest XXXX XXXX, get deposit slip, use provided account number, enter amount {$7000.00} cash advance with debit card, then he monitor any suspicious activity from his location. I complied. XXXX then suggest my wife do the same. I refused, put XXXX on hold. Called wife, suggested she call above number. She called above number, wife stated a guy answer " XXXX XXXX. '' I took XXXX off hold, told him my wife just called you. XXXX XXXX up. Call lasted 1 hour and 10 mins. I quickly called USAA fraud department, they froze both savings/checking accounts. Fearing my account was emptied, I asked to be transferred to the loan department. Within 30 mins was approved for a personal loan of {$4000.00} to pay bills until the investigation was over. XXXX and XXXX XXXX begged/pleaded for personal loan not be deposited in either frozen account. Was told by deposit department, open new account but would need {$25.00} deposit. Responded all I have is cash, this one time can {$25.00} deposit be waived. i was told 'no. ' Personal loan was deposited into frozen savings account XX/XX/XXXX. The {$25.00} fee was waived on the XXXX of XXXX On the XXXX of XXXX I begged/pleaded social security check {$1200.00} not be deposited into frozen accounts. Social security check deposited into frozen savings account XX/XX/XXXX. Have auto loan/insurance with USAA. Both month behind with late fees. Both accounts still frozen as of XX/XX/XXXX. The wife and I have been living on borrowed money since XXXX XXXX from family and friends. I called several times and asked does my veteran and social security benefits fall under Code of Federal Regulations : Title 31, subtitle B, chapter II subchapter A, part 212. I was told and still being told it was an 'Authorized Scam, and the case is closed. '' There is currently {$7900.00} frozen in checking and {$1200.00} frozen in savings. USAA fraud department recently told me " I owe them {$6400.00} ( minus my social security check {$1200.00} ) due to overdraft. Not to mention the personal loan of {$4000.00} I never received still frozen in the savings account and the 1st payment is due XX/XX/XXXX. Please help, I live on a fixed income. If not please point me to someone who can. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. 

Showing late on theses dates 1. XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 3.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX  Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received an offer for the American Express Gold Card. XXXX points after {$2000.00} in spending. I applied through the offer link and was approved for the card. Once I'd met the minimum spend requirement, I reached out to AMEX who told me I no longer qualified for the offer. Throughout the application process, the offer was valid and I was nowhere notified the offer did not apply to me so I applied in good faith.
Product: Checking or savings account

On XX/XX/year> my accounts were closed. I went into the BMO office branch on XXXX XXXX XXXX in XXXX and spoke with XXXX XXXX about my account. He was sort of helpful, and he helped connect me with the " back office '' that was managing my account. The woman on the phone told me there is nothing I can do to regain the funds, and checks were already being mailed to my address. When I told her the address was incorrect she said there is nothing I could do as well. I know for a fact that IF those checks were ever sent out, they were not even sent until a week after I made contact with them, they have intentionally been holding onto my money ... basically months and months and months go by with tons of communication and no checks... I just barely got a check for around XXXX but they still owe me more. They are doing this on purpose. It has been over XXXX months and they still owe me XXXX ... they didn't even get my requested bank statements to me until this month. Completely unacceptable.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED : VERIFCATION DOCS I am completely distraught about what has been happening to me over the last 120 days. Under the Fair Credit Reporting Act, I have a right as a consumer to fairness and accuracy of my personal information on my report. Not only have I not been able to access my credit file, but I also fear that my credit file containing my sensitive personal information is being misused without my consent. I have tirelessly contacted XXXX, Experian, and XXXX about my inability to access my consumer report. This has led to denials for new bank accounts due to verification issues, and also denials of credit extension. After all my efforts, these consumer reporting agencies continue to willfully neglect helping me. I feel like I am being played around with. This is nothing short of negligent willful noncompliance. Please help regulate this matter. XXXX XXXX XXXX XXXX XXXX currently traveling and helping my clients and I am also a good consumer. I should not have suffer emotional and financial damages from this situation. Thank you for your time and help. I look forward to fast feedback and a quick and efficient solution.
Product: Debt collection

XX/XX/year> is the day I paid off my debt for a XXXX  bill that I had insurance on yet I was still charged on it being young thinking its my mistake I still paid it off anyway now its on my credit as a debt collection and I cant bring my score up because of it and its affecting my credit Ive paid XXXX XXXX  ever two weeks with Transworld I even called them and even they said it was mistake yet here we are with the same debt saying I owe
Product: Credit reporting or other personal consumer reports

Despite my best efforts I cant seem to get the credit companies to pay attention to the fact that the XXXX derogatory collection accounts are related to if theft. FCRA law requires the companies to block that information within a five day period of time
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my abillity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the Iam asking you to verify. 

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

On Transunion report the orginal credit is not listed but is listed with XXXX this is a discrepancy and is in fact a violation of the FCRA guidelines and must be removed immediately from both credit bureaus. 
This public record of bankruptcy was removed and added back to my report the same exact day, which cause my score to decrease by 32 points. This is a discrepancy and inconsistent information and is in violation of FCRA guidelines therefore you must remove this from both my reports increasing my score. 
Transunion and XXXX showing XXXX XXXX for Transunion status ( open ) but for XXXX and XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from all 3 repYou are showing XXXX XXXX for Transunion status ( open ) but for XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from both reports/bureaus.orts/bureaus.
Product: Debt collection

Called over 100 times in less than a month. Has never left message. Tried to return the call and was sent automatic message about not being a valid number until today. Had to call over 10 times before they would even tell me the company name. It is Phoenix Financial. They are not currently on nor have they ever been on my credit report.
Product: Mortgage

We have a mortgage with OCWEN Loan SeXXXXrvicing. Payments are made on the first of the month and they do not seem to get processed until the XXXX of the month. NO late fees area accessed as they start on the XXXX. They are stating no payments were made in XXXX and XXXX. All payments are made from a XXXX XXXX bank. I have spent hours on the phone with them, providing them with the actual bank statements as they wanted to make sure the amount was subtracted from the account which checks were written and withdrawn through ACH, no cancelled checks are available. They will not process the amounts and are asking for a cancelled check. I can not make anyone understand as XXXX is clearly the XXXX language of ALL agents.