23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I notice that my credit score decrease once I logged into my creditkarma account I observed an inquiry by XXXX reported as an oil company. I have not apply for any credit cards or loan for the past couple of months. I would really appreciated it if this inquiry could be deleted off my credit. Thank you
Product: Money transfer, virtual currency, or money service

Thousands of dollars are being withdrawn from my account making my account negative. 

Also I deposited a check for {$800.00} that hasnt been deposited yet.
Product: Debt collection

I looked at my credit today & was shocked that I have a past due amount of a XXXX  power bill the problem is it's not mine. I live in XXXX  not XXXX.
Product: Payday loan, title loan, or personal loan

This company has gotten more way more that the loan itself which is understandable but their collection tactics are not. They are calling my job, friends etc. I have asked them to stop and I will pay when I can. The loan itself is an illegal loan in the state of Florida.
Product: Mortgage

I currently have a home Mortgage with XXXX XXXX. The Escrow Department is grossly negligent in organizing and submitting payments for homeowners/flood insurance. I paid up from for homeowners and flood insurance during the home building process. After the home was complete, I received an email from a Whitney Representative that I must pay the homeowners premium up for a year and send proof of payment/Policy. I inquired about where is the money that I paid towards the insurance monthly during the building process and it appears that I am paying for the same insurance twice. I was informed I must pay the premium to change from construction loan to permanent loan. Nevertheless, I paid the premium and was informed that I would like get a refund during the Escrow yearly analysis. Not sure why the payments that I made towards insurance could not be applied to the premium. It appears the departments and are separate companies inside of one company and systems are not seamless. My recent issue is that my homeowners/flood representative informes me that they havent received the flood payment and it was due that day. This concerned me greatly as we live in a hurricane prone state and currently in hurricane season with a hurricane moving into the XXXX XXXX XXXX. I contacted Whitney on XX/XX/18 regarding the proof of payment. The Whitney Representative couldnt provide me with proof that the payment was made except the date payment was sent and check number. I requested proof in writing and was informed I should receive a letter in the mail in a few days stating the payment was sent to insurance company. I believe I should have received proof emailed or faxed to me on the date I requested. My homeowners/flood Representative decided to follow up Whitney on XX/XX/18 regarding the Flood Payment that was sent on XX/XX/18. Whitney apparently ignored the bill address on the Flood insurance bill and decided to mail the payment to Homeowners billing address. The Homeowners/Flood requested that Whitney overnight another check to the correct Flood address as the policy has currently expired as XX/XX/18. In the Whitney world, Overnight mail will take 3 days to receive. I refuse to pay twice for the same insurance policy again because Whitney is unable to fix their issues. This issue requires corrective action immediately before homeowners assume that they have insurance and face a loss due to a storm only to find out Whitney sent the payment to wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems , Inc. RE : XXXX XXXX XXXX XXXX . I have a check that was deposited in XX/XX/2019 for {$9500.00} .The check was held for over a week and cleared my account then in XXXX it was said to be a duplicated deposit?? I do not know what that is and how do I check and see if someone has done something to my account? How can a check be deposited twice?? It was deposited at a different branch in the XXXX XXXX XXXX branch. My account is XXXX checking. I have already sent a dispute over a year ago with no response or follow up!!
Product: Debt collection

Got debt collection notice in mail today from XXXX XXXX XXXX of XXXX XXXX Notice was in Spanish. 

Called XXXX XXXX XXXX at XXXX to ask for an English-language copy. Agent said she would send one and it would arrive in 7 to 10 business days. 

Filed a complaint against XXXX XXXX XXXX with the State Attorney Generals office. 

Called CITIBANK to see if debt may have been based on identity theft. Agent told me that no account existed in my name or under my social security number. So question remains how did XXXX XXXX XXXX tie me to this debt, if a real debt it is. Did XXXX invent the debt? 

Contacted my lawyer XXXX XXXX in XXXX, MI. Told me to send certified letter and what to put in it. Did so, which XXXX XXXX XXXX received. 

On XX/XX/2018, XXXX XXXX XXXX sent me another notice also in Spanish. 

On XX/XX/2018 XXXX XXXX XXXX responded to my certified letter of XX/XX/2018. This response was composed of an explanation of where the debt came from but did not contain any supporting evidence beyond what it claimed appeared in an electronic file indicating the debt. 

XXXX XXXX XXXX never responded to the fact that the debt was incurred via a CITIBANK credit card, which I do not have and, moreover, CITIBANK has no record of me owning one. CITIBANK checked its records via my name and social security number. 

Will send another certified letter demanding payment history, one from CITIBANK itself. ( Haven't sent as of XX/XX/2018 ). 

XXXX XXXX XXXX has not provided anything beyond what it said appeared in the Sellers records. 

Called XXXX XXXX at around XXXX XXXX. Wanted more information about lack of detail in response to my certified letter. Spoke to XXXX XXXX in dispute department. She thought it unusual that the notices were in Spanish and that the billing address was in California. She promised to do more research and that I should call her in a week. I told her I wanted a letter from XXXX XXXX indicating all of the information it had on the information she told me or I would pursue matters with the Michigan State Attorney Generals office. Earlier in the conversation she indicated that the AGs office contacted XXXX XXXX. 

On XX/XX/2018 XXXX XXXX XXXX send copy of billing statement from a Sears in Spanish indicating the debt of {$360.00} and giving the address to sent the amount to Sears Credit Cards. I thought the debt was incurred via a CITIBANK credit  card. I also got the address of the person or persons who made the purchase. XXXX XXXX XXXX never bothered apparently to check to see if the address was valid. It isn't. I looked for it in XXXX I also got from XXXX XXXX XXXX a form for filing a dispute related to identity theft/fraud in which I am to include my social security and driver 's license numbers. 

I just called my lawyer 's office.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have submitted two CFPB complaints, XXXX & XXXX - XXXX XXXX & XXXX TransUnion and still to date I am yet to receive what was requested by law from these two agencies. XXXX has complied. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. 

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority. 

XXXX AND TRANSUNION are obligated by the FCRA to report accurate accounting. I have advised them of the accounts that resulted from fraud. By LAW, these companies had 4 days to remove the items, to date they are not removed. A FTC fraud report was filed along with CFPB and a statement from me the consumer. I am now requesting XXXX AND TRANSUNION to remove accounts immediately. I am not asking for an e-oscar report. SAID companies are liable under the SEC to follow certain rules. XXXX Commission number XXXX, TRANSUNION Commission number XXXX. I will be filing form XXXX treasury omb forms to audit consumers account. XXXX AND TRANSUNION are securitizing consumers data yet refuse to provide correct resolution per the LAW. Again, per, THE SECURITIES EXCHANGE ACT OF 1934. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition.

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority.
Product: Debt collection

i dont owe them money. I recently got this phone number and they keep calling my number at least 3x a day
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX - XXXX - {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have legally changed my first name. Equifax keeps getting my new name wrong, despite me submitting multiple forms of ID multiple times. My name is wrong both on my XXXX account and on my credit report. 

Ever since my name change, active financial accounts of mine have been getting flagged as closed or no longer report info. My active mortgage has been flagged as " closed '' and my XXXX XXXX XXXX  credit card account is completely missing. 

In addition, when I try to signup for multi-bureau monitoring services such as at XXXX, they return an error that my personal info does not match Equifax records. This blocks me from using other credit monitoring services. 

I am worried that I am in Equifax records as two separate people. I need all my info merged so my credit score is accurate. 

I put in disputes on XXXX and followed up with Customer Support on XX/XX/10. The support agent said they filed a ticket and I would be contacted with a followup. There has been no followup and Customer Support has ignored my requests for a ticket number and status. 
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Product: Debt collection

Contacted company explained that I didn't know about debt and it wasn't mine. Dispute open with all creditors. I don't know when it was added to my credit file {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 emailed XXXX XXXX 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with XXXX XXXX.
Product: Checking or savings account

Yesterday night at XXXX ; XXXX a visitor accessed my phone when I was showering. She opened my phone and made a cashapp transaction to herself of XXXX XXXX she became uncooperative saying she doesnt have access to her account.
Product: Debt collection

I requested a letter of validation of debt twice now and they have not sent it to me, it has been over 30 days and they claim to have sent it to me but the letters I got and saved only show the total amount owed not what I requested. I called the company and they are telling me they sent it when they have not. I requested a email and one was not sent. The When I was requesting the debt over the phone the woman kept trying to convince me to pay before getting that letter and almost refusing to provide it. This has been removed from my XXXX already as well due to meeting the FCRA requirments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX AND COLONY BRANDS ARE VIOATING ALL CONSUMER PROTECTION LAWS, THE BANKRUPTCY XXXX WAS DELETED FROM XXXX AND WAS RE-INSERTED INTO MY CREDIT FILES WITHOUT 5 DAY NOTICE TO CONSUMER THUS VIOLATING THE F.C.R.A. AND XXXX IS ALLOWING CLONY BRANDS REPORT 4 RETAIL ACCOUNTS LISTED IN INSTALLMENT LOAN SECTION BY CHANGING ACCOUNT TYPE. SEE ATTACHED.
Product: Student loan

I have contacted EdFinancial Services twice to correct inaccurate information reporting on my student loans. They have a XXXX loan reporting under the wrong college. The correct college should be XXXX XXXX XXXX which I attended from XXXX XXXX XXXX. However, they have loans listed under my undergraduate college which I graduated from in XXXX. There is no way possible that I took out a XXXX XXXX during undergrad in the previous year when the XXXX loan was disbursed in XXXX. This issue has caused problems with enrolling in another college.
Product: Money transfer, virtual currency, or money service

My Paypal account was hacked and experienced significant fraudulent activity on XX/XX/2020. They stole roughly {$800.00} from my bank account, and after removing my account information from the site, they are still showing I owe an additional {$290.00}, which is now preventing me from closing my account all together. I have called numerous times to numerous different phone lines and have not received any assistance with the matter. I have emailed, sent messages etc. Paypal has no accurate way of contacting them. I am desperate to close this account as I am still experiencing fraudulent activity. I would like to reach them and take whatever steps necessary to close this out for good and prevent being sent to collections for money owed that was fraudulent in the first place.
Product: Payday loan, title loan, or personal loan

XXXX/XXXX/22 and XX/XX/22 This company and their collection group K P asset have been calling family members
Product: Mortgage

I applied for the XXXX and XXXX for a mortgage and did not receive a reason as to why I didn't get the mortgage loan. 

May I have the letter and the specific reason why I was denied?
Product: Debt collection

A caller identifying herself as Trellis Company called from XXXX. That asked if they were speaking with XXXX  ( no last name ) and gave a birth date. We asked them who they were and to state their business. T : They said that they are Trellis Company. XXXX : We notified them that they are calling a number on the Federal Do Not Call List. They said They are calling for XXXX  and birth date and asked if we are that person. We asked if they are an employment agency. They said you may look up Trellis Company online. They asked are we speaking with XXXX  and gave a birth date. We said " Do you accept all commercial liability and waive immunity from prosecution that comes with that answer. How did you get this number? We need to know so that we can turn it over to our security team for investigation. '' Caller said you can look us up online and then hung up. We looked up Trellis Company online and the website is misleading even fraudulent if the caller is related to Trellis Company. When we called the XXXX the recording said THIS IS A DEBT COLLECTOR. 

We are claiming wire fraud, unfair debt collection practices as we do not know Trellis, we have no contract with Trellis, and the Trellis Company website is fraudulent /misrepresentative if Trellis Company XXXX a Debt Collector but fails to prominently so state on their website. Further, the caller gave a XXXX and a birth date to an unknown answerer. IF the XXXX did not give out the birth date, then the caller violated privacy using wire inviolution of 18 US 1343 for which we make claim for {$1000.00} for wire fraud.

We believe that, if the call came from Trellis Company then Trellis needs to be cited for unfair debt collection practices for failure to send notice by mail, for making unauthorized call on a federal do not call list. This Notice to CFPB serves as PUBLIC NOTICE to TRELLIS COMPANY its Agents, Successors, Assigns, to CEASE AND DESIST, provide proof of contract with Trellis, provide proof of any authorization by the Estate Executor Office to access the NAME Estate as Trellis Company appears to be acting as Executor de sonTort unlawfully. For their use of wire and calling on a Federal Do not call list in what appears to be unfair debt collection, we request that CFPB immediately provide us with {$1000.00} from the victim 's fund. TRELLIS COMPANY is served **NOTICE that the NAME Estate Executor Office** is occupied and that the published Fee Schedule in XXXX XXXX XXXX XXXX to this matter and that their acceptance of the terms and conditions and fees is evidenced by any communication from Trellis, any attempt to collect a debt, any phone call, any email, with each offense incurring no less than {$5000.00} or more according to the published fee schedule.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. 
Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : 3 XXXX XXXX tickets Payment ID : XXXX After the payment went through XXXX  asked for a screenshot of the transaction which we sent to her. Further XXXX  noted that her partner would verify that he received the payment and she would transfer the 3 tickets to my XXXX account. XXXX  then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. 

XXXX  portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to XXXX  at https : //www.zellepay.com/support/report-scam including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and i have a number of inquiries on my Equifax credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights. I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. I would like these fraudulent inquiries deleted from my credit file immediately XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. Due to Identity Theft, Fradulent Accounts, Fradulent Collections and Fradulent Inquiries are on my credit report. 

I sent the following documents to XXXX, XXXX and Transunion : Police Report, FTC Complaint file and number, Notatrized FTC affidavit form, FTC Letter addressing which fradulent accounts and Fradulent inquiries must be removed, copy of my credit report, 2 forms of identity, proof of address and a Copy of the FCRA Section 605B! 

I have submitted documents to XXXX. here is the tracking number XXXX I have submitted Documents to XXXX. here is the tracking number XXXX i have submitted documents to Trasnunion here is the tracking number XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX Collection : XXXX  ( ORIGINAL CREDITOR : XXXX XXXX  ) Account : XXXXXXXX  INQUIRIES : XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, TRANSUNION Collection : XXXX  XXXX Original Creditor : XXXX  XXXX  ) ACCOUNT : XXXX INQUIRIES : XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX ACCOUNT : XXXX  XX/XX/XXXX INQUIRIES XXXX XXXX XX/XX/XXXX, XXXX, IN XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.