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

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX these accounts are being reported inaccurately.
Product: Credit card or prepaid card

We purchase airline tickets and game tickets with our American Express card in XXXX for an event in XXXX for the XXXX XXXX. The airline tickets were arranged by American Express travel. We cancelled in XXXX once the Covid 19 was in full swing and it was clear we would not be traveling. We contacted both companies XXXX XXXX and XXXX XXXX for hours on the phone trying to cancel the events and credit our AMX card. XXXX XXXX XXXX said they would give us a credit but would not put it in writing. XXXX XXXX said the event would take place in XXXX and we would get tickets for that event. I am in my XXXX 's and not sure when I will be traveling again. Not to mention that there is no guarantee that this event will ever take place. I have medical issues that XXXX knows about. They asked me for a letter from my Doctor which I sent months ago. I have been out of work since XX/XX/XXXX due to the virus. We have been going round and round with AMX regarding this issue. It has been a burden to my health and family with this on going battle trying to get credit for a flight that was cancelled by the airline because of the pandemic and 2 soccer games that were cancelled by the XXXX XXXX.
Product: Credit reporting

I disputed my auto loan account, XXXX ( XXXX ) with Experian, due to the fact that the status updated is reporting inaccurately ( XXXX 2016 ). I have also reached out to XXXX in regards to this matter. Both XXXX and Experian have failed to correct the inaccurate information reported on my credit file which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have the rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting

I am resubmitting a complaint to chexsystems because in their response they refused to remove the fraudulent inquiries that have appeared on my chexsystems file due to my police report date not being close to the new fraudulent inquiries. I have filed another police report listing XXXX and XXXX. I have not received the letter they stated they sent with the new report. I have yet to see what is on my Chexsystems file but the only inquiries that should be listed are XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Any other inquiry on my file is fraudulent. I also never requested for a fraud alert on my XXXX file. They mentioned that I can dispute through them XXXX to remove the fraud alert on my consumer risk file XXXX.
Product: Mortgage

Rushmore Loan Management Services began servicing my loan in XX/XX/2017. Since, this company is charging me over {$6000.00} ... for what they are calling " Corporate Fees ''!?? Also, {$1900.00} in " bogus '' late fees. They refused to accept my mortgage payments after alleging that my mortgage loan was in arrears two months.

I've unsuccessfully tried to correct my account for one year now and all I get is the run around. 

This company should be investigated by the proper banking agency for their fraudulent business practices & they shouldn't be allowed to do any business. 

Their business license should be revoked indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was charged for a no show fee, when scheduling was canceled. Then they said I was being billed for inconvenience due to covid and loss. I paid them the {$34.00} and then was told I need to pay the staff fees. Which the receipt clearly started covid safety measures and cost such as mask, gloves, etc. I should not have to get impacted because they cancel my appointment, they send me a letter stating that everyone had covid at that office at the time of schedule and I would not reschedule it as I would not be able to wait for them to open back up so they billed me for loss
Product: Credit reporting or other personal consumer reports

XXXX XXXX a unknown credit hard inquiry appeared on my report from JPMCB? I did not not apply for any line or credit! I have credit lock on account already how did someone access my information without permission to make a hard inquiry? Any further help or assistance regarding this matter would be greatly appreciated. Thank you. 
XXXX XXXX
Product: Debt collection

Procollect IncXXXX is attempting to collect a debt from me that is not mine. It is a debt that was fraudulently put under my name by my ex husband for an apartment from 27 years ago in XXXX XXXX XXXX 
Procollect is claiming that this charge was for me and was from XXXX XXXX XXXX for {$15000.00}. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX at that time, and I still am. I am attempting to move off this XXXX  and this fraudulent charge is making it difficult for me to get a place to live. I have attempted to dispute this charge with XXXX XXXX XXXX XXXX XXXX Procollect continues to falsely claim that this is my charge from XX/XX/2022. I attempted to call Procollect & spoke with a representative who stated she can't discuss how to further dispute the charge & she then hung up on me.
Product: Credit card

XX/XX/2024 XXXX After calling to change my debit card pin, the customer service representative stated they could not verify my identity, telling me to call back. They stole my credit card information from my account and made fraudulent purchases on my card. XXXX fraudulent purchases were denied but XXXX amount of {$XXXX} is still on my credit card statement. The product arrived next day at my house, as the scammer used my billing address as the shipping address. The credit card company refused to acknowledge that one of their representatives stole my credit card information.
Product: Debt collection

I was notified via credit monitoring of a collection account and called the company listed. I was informed of the original creditor and amount owed. I immediately told the agencies representative I felt this debt was not valid and requested they investigate. He verified my personal information and stated based on that matching they believed this debt to be valid. I stated again I felt it was invalid and request they investigate per FCRA regulations. Representative refused to submit any investigation and proceeded with his collection attempts and advised to me " this account will continue to be reported and your credit score will continue to drop every month this goes unpaid. '' The statute of limitation has also already expired. There is multiple violations that is company has done within one phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine
Product: Debt collection

Constantly get calls from National Bureau of collections. I do not know them, or owe anything to them. they were looking for someone else but calling my cell phone. called at XXXX am and left a voicemail on my cell phone, telling me they were going to issue a arrest warrant if i didnt respond.
Product: Credit reporting or other personal consumer reports

Several accounts are showing paid but still displayed on credit report inaccurate with XXXX, Equifax and XXXX. Each agency has different reporting on some accounts. XXXX XXXX paid off {$1600.00} XX/XX/XXXX, XXXX  XXXX paid off {$650.00} XX/XX/XXXX, XXXX XXXX {$1500.00} XX/XX/XXXX, XXXX XXXX {$3600.00} XX/XX/XXXX, XXXX XXXX {$2300.00} XX/XX/XXXX, XXXX XXXX {$990.00} XX/XX/XXXX, XXXX  {$850.00} XX/XX/XXXX, XXXX XXXX {$16000.00} XX/XX/XXXX, XXXX XXXX  {$210.00} XX/XX/XXXX, XXXX XXXX {$1200.00} XX/XX/XXXX, XXXX XXXX {$31000.00} Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

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

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

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted Standard of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, Experian must report any allegations with the greatest compliance and accuracy possible. Experian should not report any claims that they know or should know are not in compliance with regulations and the law. I am writing to inform you that Experian needs to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that Experian provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving Experian 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize Experian to take steps to correct my credit and send me physical proof of their actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. On XX/XX/23 I sent Experian a detailed complaint by certified mail explaining all violations which is attached to this complaint. I also included a copy of my driver 's license, social security card and utility bill.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/year> ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT XXXX # : ITEMS I ASKED FROM XXXX XXXX XXXX.A PROPER INVESTIGATION ON ACCOUNT THAT IAM DISPUTING XXXXPROOF OF PROCEDURE OF INVESTIGATION XXXXMY WRITTEN CONSENT TO FURNISH MY CREDIT PROFILE NONE OF THESE ITEMS WERE PRODUCED THIS IS WHY THIS ACCOUNT MUST BE DELETED DELETE ASAP THANK YOU It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


15 U.S. Code 16815-2- Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under
Product: Money transfer, virtual currency, or money service

Good evening On XX/XX/2019, i made a transaction of {$1000.00} usd to my cousin. 

She didn't worry to pick it up and the cash appeared active until the month of XXXX. When I reach my country and find out from financiera Supergiros which was the intermediate company, they said I must contact World Remit for them to refund my money. 

What procedure I should go through for that
Product: Debt collection

Received paper bill in mail dated XXXX from FBCS Consumer Contact Solutions - XXXX. 

Received phone call about the bill shortly after. I requested they send all future correspondence in writing. 

I did not take down the number of the call as I have not had problems with debt collectors call after my request. I believe that on the call I stated that it was right before XXXX and XXXX and that I was not able to negotiate a settlement at that time. 

I have attached two of my XXXX  bills showing my call logs from XXXX and XXXX. There are two calls from area code XXXX during that stand out to me as being numbers they may have called from : -- XXXX inbound XXXX at XXXX XXXX  - 2 minutes -- XXXX inbound XXXX at XXXX XXXX  - 1 minute I know I received a call about this bill and I know I requested that all correspondence be sent in writing. 

Recent History of Calls ( screenshots included - phone log only goes back to XXXX ) : -- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Answered and made an offer for a settlement. 

-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX outbound XXXX. XXXX offer acceptance and payment plan arranged. 

Payment was authorized on XXXX and posted to my account on XXXX. 
Charge ( same as authorization made on XXXX XXXX to my account on XXXX and posted to my account on XXXX. 

-- XXXX at XXXX XXXX ( 9 minutes ) : called to ask re : duplicate payment. Agent asked whether both payments had posted. He asked me to email his supervisor confirmation that both payments had posted ; he was adamant that they must have proof that both payments had posted. He seemed very concerned about returned payments - which means that this was intentional. 

-- XXXX at XXXX ( 5 minutes ) : called to confirm receipt of my screenshot that both payments had posted. Was told the payment had been reversed. Did not receive confirmation by email ( as this was how I was told to submit my proof ) from XXXX. Asked for the name of the Debt Collector - Financial Business Consumer Solutions, FBCS ; the phone number she gave me is XXXX. 

Reversed charge will not immediately post to my account.
Product: Debt collection

The choice I chose above best describes what happened, but there is so much more. They threatened to take us to court and sue, threatened to damage our ( both my wife and I 's ) credit score as much as possible and garnish both My wife and I 's employment checks until debt was settled. We also can not confirm this, but we think there have been attempts by XXXX to contact us through our employers. We want to work with them and pay it off as we did n't even know that this medical bill existed until he called. That is nobody 's fault except ours, and we know this. We will fix it, but he is being very forceful and very abusive in his calls. The agent 's name was XXXX with Asset Systems. 

After this conversation with XXXX, my wife called me crying. So, I called him to ask for the name of the company he was with, He immediately went to " Do you want to speak to my supervisor? '' I said no, I just need the name and address of your Company please, which he provided. I wanted to report them for this abusive call and their tactics of trying to collect a {$600.00} debt. We my wife called them back during her lunch break today and to settle on a payment plan, but now I feel I need to take action against them for this type of behavior.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Debt collection

I am filing a complaint against NATIONAL CREDIT SYSTEM for violations of the Fair Debt Collection Practices Act ( FDCPA ) concerning a fraudulent account with XXXX XXXX XXXX. The specific violations are : Failure to Cease Communication ( 15 USC 1692c ) : Despite being informed of identity theft, NATIONAL CREDIT SYSTEM continues collection efforts. 
Failure to Validate Debt ( 15 USC 1692g ) : They did not provide proper validation of the debt.

Misrepresentation ( 15 USC 1692e ) : They misrepresented the validity of the debt. 
I request that the CFPB investigate these violations, take appropriate action, and provide relief by removing the judgment, refunding the withdrawn funds, and correcting any negative credit information related to this fraudulent account.
Product: Checking or savings account

On XX/XX/XXXX, around XXXX XXXX I received a call from the " Fraud Department at Wells Fargo '' claiming that there was suspicious activity on my account at two pharmacies ' " unknown location ''. He stated an amount of {$140.00} was denied at XXXX and {$170.00} at a XXXX. He went on asking if I was aware of the situation and I responded no. So he said he would be creating a claim for those disputes. Somehow, he already had all my information because he knew my full name, and card information. He wanted me to confirm the basic information to move on with the claim. 
I attend a XXXX  church and my Pastor is XXXX. Every 2 weeks, I send {$100.00} through XXXX because that's my tithe. He always receives the money instantly with no problem. That night the scammer asked me to confirm if I knew XXXX. I did explain to him I did know him and the reason why I send him money. After confirming my relationship with him, an amount of {$1000.00} was sent to my pastor, without my authorization. It was the scammer on my account without me noticing it. He sent the money! Keep in mind I was just confirming that I knew him. While on the phone with the scammer, I told him that amount was sent to him, and he said, " Yes, I see that. It seems that they have your card information and I'll be making another claim for that. At this time, I will be blocking your mobile account and cards. '' Before hanging up I asked him how long will the claim take to be complicated, so Wells Fargo can return my money. He said, " Usually it will take some time and you will be received an email in 5 days with all my notation. '' which I never received. All the scammer gave me was a case number. 
When they send the {$1000.00}, my pastor called me quickly stating, " Son, did you send me money? I received a text message saying that you are wanting to send me money and in order for me to retrieve it I have to create a XXXX account. '' Obviously, he didn't create anything because he already has a XXXX account and I sent him money with no problem before. The problem here is that my pastor NEVER received the {$1000.00} dollars and that money is not in my account. 
On XX/XX/XXXX, I started noticing more purchases on my card, I was getting emails, this time from the real Wells Fargo. I tried logging in and was unable to. So, I called Wells Fargo and explain what was happen and they told me it was a Scammer. They end up making real claims about the {$1000.00}, and the other amount they took out. It took a while for them to return the small amount back to my card which was about {$30.00}. You can straight see it wasn't me sending money, especially at XXXX XXXX. I would not send big amount on XXXX either. 
On XX/XX/XXXX, Wells Fargo sent me a letter stating the case was close because it was either me who send the money or someone who had my permission to perform the transaction. I told them it was the SCAMMER and I never authorized anyone to send money. I called them today XX/XX/XXXX, and the response I got was, " Our case is concluded. ''
Product: Debt collection

I just saw this debt appear on my credit report today. The date opened is incorrect, I have not had any communication with this company. I am a  XXXX   year old a nd have been out of   XXXX   XXXX   for only two years. I 've never had a primary residence of my own in order to have applied for any type of credit with them or  XXXX   XXXX   XXXX . I need this item to be removed from my credit report for I am a young adult that is just now starting my adult life and do n't need any derogatory marks on my credit file.