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

Incident Summary On XX/XX/year>, I visited XXXX with my partner to discuss mortgage options in light of my new financial situation. During this visit, I was referred to XXXX XXXX at Wallick & Volk as a potential resource. On XX/XX/year>, I reached out to XXXX via email, clearly explaining that I was looking for information and guidance about the mortgage process as a new business ownernot actively seeking a loan. 

Initial Communication Between XX/XX/year> and XX/XX/year>, we corresponded to schedule a phone call to discuss these questions further. XXXX instructed me to create an online profile with Wallick & Volks platform. During this process, I was asked to provide information and upload documents. It became evident that this was actually a mortgage application, not a preparatory step for our discussion. One document required my consent for a credit check, and I explicitly declined. I confirmed my decision by selecting the option to opt out and ensuring it was recorded in the system. 

Unauthorized Credit Pull On XX/XX/year>, during our phone call, which began shortly after XXXX XXXX, I started receiving email notifications from my banks informing me that my credit had been pulled. I immediately asked XXXX if she had run my credit. She confirmed that she had. I reminded her that I had explicitly opted out of the credit check and read aloud the relevant language from the agreement PDF, which documented my decision. Instead of addressing my concerns, XXXX dismissed them. She asked questions like, " What are you so worried about? '' and " Do you have a big purchase coming up? " remarks that were both invasive and deflective, rather than acknowledging the issue. 

Resolution and Next Steps I reiterated that I had no intention of proceeding with Wallick & Volk, as I could no longer trust someone who disregarded my explicit instructions. Later that day, I downloaded a copy of the agreement, which clearly shows that I declined the credit check. 

XXXX actions were unauthorized, dismissive, and unprofessional. Pulling my credit without my consent is not only a violation of my trust but also potentially a breach of consumer protection laws. I am seeking resolution and accountability for this unauthorized action, to both myself and my partner.
Product: Checking or savings account

On XX/XX/22 I requested copies of bill payments to my XXXX  that they claim were not received. Investigation numbers XXXX and XXXX. Can not get a straight answer for several weeks. Went into 2 branches, several chats and calls all were disconnected. XX/XX/22 received letter from Citibank that payments were returned to them and money would be in my account in 1-3 days. As of today XX/XX/22 that still has not happened and I just can not get anybody to give me any answers or refund my money. Very frustrating!! 
Please help! Thanks
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting aft XXXX Account # XXXX, has violated 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency 15 0.3.6 1605 A creditor may not treat a payment on a credit card account under an open and consumer plan as late in any reason
Product: Debt collection

I am writing to report a suspected fraudulent debt collection document that appears to be a deliberate attempt to mislead and potentially scam consumers. 
Specific Details of the Fraudulent Communication : Document claims to be a legal notice regarding an alleged debt Claimed to be sent via certified mail, but lacks official USPS certified mail markings Includes a court docket number that does not exist in the New Jersey Civil Court system Contains no verifiable service initials or legitimate legal indicators Verification Attempts : Checked New Jersey Civil Court Online Case Information ( JOCIN ) system Confirmed no matching case exists Observed no official certified mail documentation Unable to verify any legitimate legal basis for the communication I am concerned this document represents : A potential debt collection scam Fraudulent attempt to intimidate or deceive consumers Violation of fair debt collection practices
Product: Credit card or prepaid card

I have a sears credit card. I canceled the account XXXX XXXX on XX/XX/XXXX. I have had the account XXXX XXXX since XX/XX/XXXX. I asked for a refund but no answer back from them. It is provided by Citibank N.A. I have canceled account care with other credit cards and received credit on my accounts. I was never told that if I canceled account XXXX with Citibank I would not receive credit on my account. Thank you XXXX XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX/XXXX/15 I noticed my credit score dropped due to an inquiry, I checked XXXX and there was an inquiry from XXXX on XXXX/XXXX/15. I submitted a dispute to Equifax and the results stated that they are a factual record of file access. I have never had an account with XXXX and I live in XXXX this inquiry came from XXXX. Equifax told contact the merchant and I did. I got a response back from XXXX XXXX, from XXXX asking for personal info to see if I had ever opened an acct with XXXX. On XXXX XXXX I got a letter form XXXX XXXX from XXXX confirming that the inquiring removal had been submitted to all XXXX credit bureaus. Months later I checked my credit again and noticed the inquiry is still on my credit report, so I mailed a XXXX letter to XXXX and got a response from XXXX XXXX stating they were submitting an inquiry removal again to all XXXX credit bureaus. It 's going on 10 months and this inquiry is still on my credit report which is still impacting my credit score and I believe this is a fraud transaction that needs to be rectified. I do n't know how XXXX got my personal information to run my credit, they are confirming that I do not have an open account with them but I believe a fraud and unauthorized inquiry was made from someone that is portraying my identity. Please help me resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX has violated my rights. 

i've already disputed these items, but they did not remove, nor prove validation. 

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
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information appearing on my TransUnion credit report. Specifically, there are unauthorized accounts listed on my report that were previously deleted from my XXXX credit report after they were determined to be inaccurate. The continued presence of these accounts on my TransUnion credit report is both erroneous and harmful to my credit standing. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( a ) ), I am requesting that you reinvestigate these accounts and remove them from my report. Under the FCRA, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a consumers dispute. Additionally, you are obligated to provide me with the results of your investigation and to update or correct the information in my credit report as necessary. 

The accounts in question are as follows : - [ XXXX XXXX  # XXXX - BANK OF XXXX XXXX XXXX XXXX BANK OF XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX - XXXX # XXXX Enclosed, I have included supporting documentation to aid in your investigation, including : A copy of my XXXX credit report showing the removal of these accounts Correspondence from XXXX XXXX the deletion of these accounts A copy of my government-issued ID and proof of address for verification purposes Please be advised that failure to comply with your obligations under the FCRA XXXX result in further action, including the filing of a complaint with XXXX Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities. 
I request written confirmation that these accounts have been removed from my TransUnion credit report. Please also send me an updated copy of my credit report reflecting these corrections. I trust that you will handle this matter with the urgency and diligence it requires. 
Thank you for your prompt attention to this matter. If you need any additional information, you XXXX contact me by mail at the address listed above or by phone at [ XXXX ]. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX ]
Product: Debt collection

I received notification from a debt/lawyer 's office for student housing debt of {$7600.00} for The University of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. For the dates of XXXX to XXXX. I called and advised I have never lived in CA nor do I have a child living in CA or family that I would have signed this for. 
I also told them I could send proof that I am living in XXXX XXXX and have been since I was in 3rd grade, I advised I have been a victim of identity theft more times than I can count have countless cases open & have had several people arrested. 
I sent this documentation with over 100 pages to show proof of this. They sent me a Identity theft affidavit which I provided along with the new police report number I obtained for this XXXX police report : XXXX. 
When I followed up they said I did not send enough proof to show I had been a victim of identity theft & that this was not my debt. 
I thrn resent the same proof of all my cases, the case where someone filed for taxes in my name last year and medical benefits through the state. I also sent proof of my residency here at my apartment complex where i have lived for almost 8 years along with utility bills and proof of working on site at my job in XXXXXXXX XXXX 

I did research on them and found this is what they do they string people along and do not care if it is your debt they just keep pushing hoping you will give up & just pay. I am very frustrated with the circles they are putting me through I am in the process of filing to obtain a new social security number due to everything I have gone through. 
I have been dealing with this since XXXX XXXX and they literally keep running me through circles and I am over it. The 2nd set of duplicate documents I sent out on XXXX, XXXX and I sent it registered with a tracking number it was signed for on XXXX XXXX, XXXX at XXXXXXXX XXXX. It says front desk attendant. I still have not heard anything. I dont know what else to do when they are blantanly ignoring me & my request for help. 
It seems all they care about is getting their money & as I said before from the reviews online thats all this company cares about they could care less if it is your debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account at XXXX 's opened in XX/XX/XXXX The account was charged and used without the actual credit card being swiped as I was tolf it was used inside the store by pulling up account number, and without me knowing the account went into delinquency and later on into collection, the account started being in collection back in XX/XX/XXXX and it is till this day showing my credit report hurting me without any way to remove this fraudulent report from my report
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX is being reported as a late payment. However, it was not late. 
XXXXXXXX XXXX XXXXXX/XX/XXXX is being reported as a late payment. However, it was not late. 

I have sent the credit bureau XXXX separate letters over the last XXXX days. I requested statements showing a late payment. To this date the error has not been removed from my report. Nor have I received the requested statements.
Product: Debt collection

Finance System of Green Bay, WI has opened a derogatory remark against my credit for the amount of {$530.00}.

I have reached out via phone and email over a dozen times since the beginning of 2023. In any attempt to communicate I have not been contacted. I've left voicemails. I've have emailed multiple addresses. I've gone to their website. I've provided multiple ways for them to contact me. My patience is gone.

I am looking to dispute the debt and/or settle for an amount. The company has made this impossible to do. If that is the case I request the remark be removed from my credit report.

The fact I've been shafted for the past 9+ months in resolution is costing me time and opportunities.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
FRADULENT ADDRESSES XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2024 XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, CA FRADULENT ACCOUNTS XXXX XXXX CO, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  ACT # XXXX XXXX  XXXX ACT # XXXX XXXX ACT # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX AND XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX BANK XXXX ACCT # XXXX ( Original Creditor : XXXX IN ) ACCT # XXXX XXXX BANK ACCT # XXXX
Product: Credit card

XX/XX/24 {$260.00} {$88.00} XX/XX/24 {$120.00} {$40.00} XX/XX/24 {$59.00} some one was using my credit card fraud department call me about suspicious charges, and I check all my purchases and tell that charges unauthorized they send me a new credit card and credit this charges but XX/XX/24 they reverse this charges to my statement I don't suppose pay unauthorized charges
Product: Checking or savings account

This is the second time I tried to deposit a FEMA check to Chime on their Mobile app and originally they accepted it! Then a day or two later they stated they couldnt accept it unless I wrote For deposit to Chime Account on the back of! 

I did and the resubmitted per their instructions only to have them refuse to accept it again and telling me not to resubmit it! 

Now I have two checks with deposit only to chime account that no other bank will touch because they think I already deposited it into the Chime account! 

This is causing me and other XXXX XXXX a great problem because now I have to try to get FEMA to issue us new checks to get our money back!
Product: Checking or savings account

On XX/XX/2023 There were two transactions happened from my account for {$2500.00} and {$2500.00}. I didnt authorize those transactions and I disputed them on the same day and asked them three times to help with the transaction and stop the transactions but they dined it. I didnt authorize those transactions and theyre making me responsible for it. This is the second time in one year they dined my dispute which is not acceptable.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX, XXXX, and SageStream Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and SageStream consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX, XXXX, and SageStream may violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX XXXX, and XXXX report. Specifically, I ask that : XXXX. XXXX, XXXX, and SageStream provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and SageStream corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and SageStream report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Money transfer, virtual currency, or money service

Statement Accounts for checking and savings which have now been closed. While they were researching the fraud I purposely had them lock the accounts where I didn't have access to them and surrendered the debit card, credit card and false credit card, which I never used since it had the wrong zip code and they just added all the fraudulent charges to it that I said I didn't do plus charged back the merchant which they reported me to a collection agencies after I reported to the credit bureaus. Please see attachment. This statement printed at their branch location XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Shows my deposits it then shows XXXX being electronic transfers but my electronic withdraws only amount to {$3900.00} and ATM debits are XXXX plus overdraft fees when funds were available. Then my next statement I am at XXXX? See attachments.
Product: Vehicle loan or lease

XX/XX/2019 Wells Fargo wouldn't finance a loan unless I purchased a {$2400.00} XXXX to protect car. Thus increasing price of loan and so they could charge higher interest.
Product: Credit card or prepaid card

Hello! 
My name is XXXX XXXX XX/XX/XXXX, I use my chase XXXX XXXX cardLast four numberXXXX bought a XXXX XXXX XXXXXXXX XXXX mobile phone from XXXX Total amount is {$1000.00} I received the item on XX/XX/XXXX, but I opened the box instead of the same item described, it was an XXXX mobile phone. So I contacted XXXX to request a return, and they sent me a return label. On XX/XX/XXXX, I would return the item, and the item was Delivered on XX/XX/XXXX. Then they told me that the returned item was incorrect, but I received the item It's incorrect, so it was returned. XXXX refused to refund me.I filed a dispute with chase bank. After waiting for a month, I was told that the merchant thought the transaction was correct and refused to give me a refund.
Product: Debt collection

I have been receiving threatening calls from XXXX XXXX  XXXX on behalf of Platinum Holdings LLC. These messages are regarding a debt where the last payment was made in XX/XX/2012. I have been told I will be sued and they will garnish my wages. I have never received a validated letter of the debt owed. XXXX XXXX  XXXX as well as Platinum Holdings LLC has refused to give me a validated letter. I have received a generic one via email from XXXX XXXX  XXXX as they refused to mail me anything. They said if they mailed me anything it would be court papers.I told them I never received noticed, they stated they did not care because they sent notice. I asked what address they sent notice to and they did not have the correct address to where I currently live and stated it is not their job to " chase '' me, to notify me of the debt owed. When ever I call to ask for validation, they refuse to give me an address and say it is too late and I am already in the legal process. I read back my social security number to and told me there was nothing I can do, I have no rights and I will be sued. They also been calling at XXXX XXXX, calling my family members, showing up at family 's homes, and calling previous employers trying to collect and give my information.