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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I was contacted by individuals who were claiming to be employees of XXXX XXXX. They were offering me a remote position for a XXXX XXXX XXXX. They explained to me that I would need certain items for my remote work station, and that they would be sending me money for equipment. 
On XX/XX/XXXX, I received my first check of {$990.00}. 
On XX/XX/XXXX, I deposited that money into my bank. 
On XX/XX/XXXX, I sent the money via XXXX to what I was told was a " Company Approved Vendor '' that was going to be sending me my equipment. 
Also on XX/XX/XXXX, I received a second check for {$950.00}. 
On XX/XX/XXXX, I deposited the money into my account but the funds didn't hit until XX/XX/XXXX. 
On XX/XX/XXXX, I sent the money via XXXX to another " Company Approved Vendor '' for equipment. 
Later on XX/XX/XXXX, both the checks for {$990.00} and {$950.00} were charged back to my account, and it was evident that I was a victim of a very elaborate scam that lasted over a week. 
The people involved were impersonating real employees of XXXX XXXX, which I ended up contacting and they confirmed it was not them that I was talking to. 

When I woke up on XX/XX/XXXX seeing both checks bounced back, I immediately contacted my bank, Bank of America, and filed a complaint on both the checks and XXXX transfers that were a part of the scam. Last week, I was notified that I would not be receiving funds back from the check chargebacks, even though I have given them physical proof of the email conversations of the scammers and the actual employees of XXXX XXXX that confirmed it was not them I was speaking to. 

Below I will attach 4 documents ; The fake email conversation with scammers pretending to be : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX are via email while XXXX XXXX is via XXXX XXXX. 
Also, I will attach a conversation with the real XXXX XXXX on XXXX, with her confirming that it was not her in the XXXX XXXX conversation. 
Also, I will attach the checks that I want a refund from that I mention in the resolution section.
Product: Credit reporting

Transunion is reporting a bankruptcy from XXXX, Colorado on my credit report. First off, I have never filed for bankruptcy. Second, I 've never lived in or been to Colorado. I disputed the report. They came back after30 days and said they did n't find enough evidence to remove it. I called Transunion and was told I was wasting their time. I contacted the court where I supposedly filed the bankruptcy. They did not have my social security number or birthday associated with my name on file. I do n't know what to do from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

After over 60 day duration, today I received notice from Experian Credit bureau that they do not have validation for this account in file why are they still able to report that the information reported against me by the creditor or its agent is correct. I have had issues with identity theft over the last 10 years and I demand that Experian Credit Bureau provide me as stated by law and as recognized as my right by to request that this establishment provide me with full validation that they have in my credit file that this account is owned by me. 
Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims to have verified. Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 
The federal Fair Credit Reporting Act ( FCRA ) states that there is a time frame for this information to be furnished to me and since Experian has accepted that the information reported is true and correct I demand to see proof of this validation with 15 days of my dispute or I shall initiate and file a claim against Experian for causing me and my family extreme hardship and seek compensation for the funds lost pertaining to any value placed on the reliance of information validated by the bureaus in my credit file.Validation for Request was made to Experian via US mail on XX/XX/2017 for validation of the following accounts and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reached out to healthcare finance direct ( HFD ) by phone to ask them about their plan regarding a providers bankruptcy and they could give me no information and advised that if I didnt keep paying them they would send me to collections and taunted me saying that my credit would be harmed. I then sent HFD an email on XXXX about the statement posted on XXXXXXXX ( XXXX ) website after they filed for bankruptcy stating I'm on the XXXX XXXX. Do I need to keep paying for my XXXX 
If you haven't received your full treatment then you do not need to continue with your monthly payments. HFD is the service provider for your XXXX payment plan. 
For questions regarding your financial obligations please contact HFD at XXXX XXXX, XXXX or visit their website at XXXX I then reached out again to HFD on XX/XX/2024 stating that I was in the middle of my treatment plan when XXXX filed for bankruptcy, I was never able to talk to a XXXX  team about my progress, let alone the issues I had with my XXXX, nor was I able to order XXXX so my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am aware that the creditor on the loan is soon expected to launch a customer support plan for. In the interim, ( per XXXX ) HFD is obligated to place my disputed account on hold until the customer support plan is approved by the creditor and the attorney generalthis has not been done nor have I received a reply back. I also reached out to XXXX on XX/XX/2024 stating the same thing and have no gotten a response.
Product: Debt collection

On XX/XX/2023 at XXXX, I received the following text message from the number ( XXXX ) XXXX, to my number at ( XXXX ) XXXX : Can we help get this resolved? Chat NOW at www.primerecoveryllc.com or login XXXX XXXX XXXX This is an Attempt to Collect a Debt Reply STOP to end This seems like a pretty clear scam. Even with the lack of any information, by using SMS I'm sure they've violated FDCPA and other telecommunications regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a complaint once before with no resolution. XXXX is reporting inaccurate information about me on their consumer reports. These inaccuracies are being used to generate the digital security questions that are used to identify a person when applying for federal/state benefits, replace a State ID, any banking done online, or anything that requires passing security questions online or by phone. I have contacted XXXX XXXX about this and they took my disputed items off of their report but never reset the digital security questions to reflect that. Also, the information is back on the report as of XXXX. Again, it is making it difficult to do anything online or by phone.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Incorrect Personal Information on Experian Credit Report To Whom It May Concern, I am filing this complaint to request assistance from the Consumer Financial Protection Bureau ( CFPB ) in rectifying inaccuracies in my personal information reported by Experian. These errors have caused concern as they misrepresent my identity and residential history, potentially impacting my creditworthiness and financial activities.

Details of the Inaccuracy : The following incorrect information is currently listed on my Experian credit report : 1. Name : XXXX XXXX XXXX ( Incorrect, not associated with me ) XXXX. Address XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( Incorrect ) XXXX. Address XXXX : XXXX XXXX XXXX, XXXX, NC XXXX ( Incorrect ) Consumer Rights : As a consumer, I understand that I have the right to dispute inaccurate information on my credit report. Under the FCRA, credit reporting agencies are required to investigate disputes promptly and ensure the information they provide is accurate. 

I am reaching out to the CFPB to ensure Experian addresses this matter promptly and complies with its obligation to provide accurate credit reporting. 

Supporting Documentation : I have attached the document mailed to Experian in regards to this matter. 

I appreciate your assistance in ensuring that Experian corrects these inaccuracies to prevent any further inconvenience or potential issues.
Product: Bank account or service

I received my signature card in the mail after opening a savings account. The signature card revealed my entire social security number. I felt like this was not a good practice to expose the entire social security number of the customer, especially through XXXX mail. I felt as though they were setting me up for identity theft. I called twice to complain and I was told it is simply their policy. I had no idea my personal information would be tossed around so carelessly by Ally Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

XXXX. XXXXXXXX XXXX XXXX {$700.00} XXXX. XXXX XXXXXXXX XXXX  {$120.00} XXXX. XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknown XXXX. Missouri Department of Chld Support
Product: Debt collection

I have received repeated emails from this company claiming that I owe a debt that I am completely unaware of and know nothing about. It is strange that I have been getting emails, but I did not realize the seriousness of this until recently. The information states that I owe a debt from a company called Spot loan that I do not owe. Please research your records and get this corrected immediately or I will be forced to take legal action here. In 2006, I found that I was a victim of identify theft, and I received a Judicial clearance from the judge attached, that shows that I was a victim. I was told that someone was using my information and it would be hard to control, but I have to put a stop to these inaccuracies immediately. I will contact my lawyer because this is getting out of control and out of hand.
Product: Debt collection

XX/XX/XXXX, CA XX/XX/XXXXRequested On
XX/XX/XXXX, XX/XX/XXXX
LocationXX/XX/XXXX
XX/XX/XXXX, CAXX/XX/XXXX
Requested On
XX/XX/XXXX
XX/XX/XXXX PA XX/XX/XXXX
Requested On
XX/XX/XXXXTHE XX/XX/XXXX
LocationXX/XX/XXXX, OR XX/XX/XXXX
Requested On
XX/XX/XXXX
Location
XX/XX/XXXX VA XX/XX/XXXX
Requested On
XX/XX/XXXX via TRANSUNION INTERACTIVE IN
Location
XX/XX/XXXX CA XX/XX/XXXX
Requested On
XX/XX/XXXXPhone
XX/XX/XXXX

XX/XX/XXXX
Location
XX/XX/XXXXPAXX/XX/XXXX
Requested On
XX/XX/XXXX
Phone
XX/XX/XXXX
TRANSUNION INTERACTIVE
Location
XX/XX/XXXX CA XX/XX/XXXX
Requested OnXX/XX/XXXX XX/XX/XXXX
Phone
XX/XX/XXXX
TRANSUNION INTERACTIVE
Location
XX/XX/XXXX CA XX/XX/XXXX
Requested On
XX/XX/XXXX
Phone
XX/XX/XXXX
LocationXX/XX/XXXXXX/XX/XXXX, CAXX/XX/XXXX
Requested On
XX/XX/XXXXPhoneXX/XX/XXXX XX/XX/XXXX via XX/XX/XXXXLocation
XX/XX/XXXX XX/XX/XXXXCAXX/XX/XXXXRequested OnXX/XX/XXXX XX/XX/XXXX
Phone
XX/XX/XXXX
Location
XX/XX/XXXX FL XX/XX/XXXX
Requested On
XX/XX/XXXX
Phone
XX/XX/XXXX via TRANSUNION INTERACTIVE
Location
XX/XX/XXXX CA XX/XX/XXXX
Requested On
XX/XX/XXXX, XX/XX/XXXXPhoneXX/XX/XXXX
THE XX/XX/XXXX XX/XX/XXXX
Location
XX/XX/XXXX
Requested On
XX/XX/XXXX
PhoneXX/XX/XXXXLocation
XX/XX/XXXX
XX/XX/XXXX, CA XX/XX/XXXXRequested OnXX/XX/XXXX
PhoneXX/XX/XXXX
LocationXX/XX/XXXX FLXX/XX/XXXX
Requested On
XX/XX/XXXX
PhoneXX/XX/XXXXvia TRANSUNION INTERACTIVE
Location
XX/XX/XXXX CA XX/XX/XXXXRequested OnXX/XX/XXXX
PhoneXX/XX/XXXX

CONSUMERINFO.COM
LocationXX/XX/XXXX XX/XX/XXXXCAXX/XX/XXXX
Requested On
XX/XX/XXXX XX/XX/XXXX
Phone
XX/XX/XXXXLocationXX/XX/XXXX
XX/XX/XXXX
Requested On
XX/XX/XXXXPhone
XX/XX/XXXX

XX/XX/XXXXLocationXX/XX/XXXXUTXX/XX/XXXXRequested On
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Phone
XX/XX/XXXXLocationXX/XX/XXXX
XX/XX/XXXX TX XX/XX/XXXXRequested On
XX/XX/XXXXPhone
XX/XX/XXXX XX/XX/XXXXLocation
XX/XX/XXXX IL XX/XX/XXXX
Requested OnXX/XX/XXXXPhone
XX/XX/XXXX
LocationXX/XX/XXXX XX/XX/XXXX, PA XX/XX/XXXXXX/XX/XXXXRequested On
XX/XX/XXXXPhone
XX/XX/XXXX
LocationXX/XX/XXXX VA XX/XX/XXXXequested On
XX/XX/XXXX
Phone
XX/XX/XXXXLocationXX/XX/XXXX XX/XX/XXXX NY XX/XX/XXXX
Requested On
XX/XX/XXXX
PhoneXX/XX/XXXX
LocationXX/XX/XXXX
XX/XX/XXXX TXXX/XX/XXXXRequested OnXX/XX/XXXX
PhoneXX/XX/XXXX XX/XX/XXXXLocationXX/XX/XXXX PA XX/XX/XXXX
Requested On
XX/XX/XXXX
Product: Debt collection

I received an email from world finance stating that if I paid {$890.00} by XXXX this account would be settled. As of today XX/XX/23 on my credit report this account is not listed as settled and it says its past due {$890.00}. Thats not what the email I got from world finance stated or what the representative that took my payment said. I want my money back or this account listed as paid in full with a {$0.00} balance. This company lied to me and took my money. Thats fraud.
Product: Credit card or prepaid card

I have a hard inquiry on my credit file, I did not permit this, or know what it is about. I have tried contacting them, but they tell me to contact XXXX XXXX, and then they keep running me back and forth
Product: Money transfer, virtual currency, or money service

PayPal Credit charge {$140.00} ( Supported they charge a annual amount ) Under XXXX XXXX company in XX/XX/2024 I noticed this charge in XXXX XXXX. I email the company by the email what provide in PayPal account charge, the company not had Customer Service Phone number, Address or another information where you can contact them. Like i didn't find anything. I will do a case in PayPal they answer me recently in XX/XX/2024 and said the company is correct charge. But not!!! is a fraud company, they didn't exist for the consumers... they dint have customer service. I will go with the XXXX and with anywhere for report this company because when i XXXX them they have many fraud or charge disputes. Today i contact PayPal Credit they cancel my account and open a new account for they did not charge again. I need my full refund of {$140.00}. I keep my XXXX account with all the payment in time for not have a problem with them. 

Please your help XXXX XXXX is a fraud company!!!!
Product: Debt or credit management

Was out on an auto payment plan for credit repair promised results in 90 days no results and plan keeps going up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 A Company who calls themselves PERFORMANT FINANCIAL CORPORATION was allowed to tap into my Consumer Report without my permission. They did an inquiry without my permission. This is Common practice with the Consumer Reporting Agency without Consumer Consent. I want these Foreign agencies to Cease and desist reporting my information, without my Consent, They allow anybody to get into my File without my permission. Please take all of this information out as I have asked on several occasions. This identity theft has got to stop. Send me {$100000.00} for this blatant intrusion into my files.
Product: Mortgage

On XX/XX/XXXX, we requested assistance due to the pandemic and received paperwork in XX/XX/XXXX. The message number for the first request is XXXX. 
Since that time we have been trying to obtain a modification to no avail as we receive conflicting information from the representatives. We have signed, had the documents notarized and returned the document several times to only being given a different excuse. I have resubmitted the required documents numerous times ; however, the review process has not taken placed as I am always advised the documents were not received. Mr. Cooper has sent notaries to my home three times and on all three occasions the documents were signed and provided to the notary only to be advised by Mr. Cooper that they need the signed and notarized documents. One time we were advised the documents were incorrect, the signature isnt legible, documents not notarized, we dont have all of the documents and the list goes on and on. 

I have questioned several times why my fathers name is on the documents for him to sign when he is deceased? The death certificate was provided in XXXX and numerous times in XXXX with the last time being on XX/XX/XXXX. 

As I stated in my XX/XX/XXXX email ( see below ) my father died of a XXXX XXXX and I am fighting to keep my home that I grew up in along with the memories. However, Mr. Cooper is not making this easy and has my family completely stressed. In XXXX we applied for a modification after my father died as the loan was delinquent and encountered the same issues that I am facing in XXXX. At that time ( XXXX XXXX I advised that I wanted to apply for Success in Interest and XXXX XXXX system of record was updated to reflect the Estate of XXXX XXXX. The modification documents were sent, which I signed only to later determine I also signed an assumption of the mortgage. 
We have been trying to make our mortgage payments ; however, each time a representative advises that I did not need to make payments as they were processing the paperwork. It appears they are now trying to take us down the foreclosure path even though on each call the representatives promises not to foreclose and then state documents will be mailed. It is now XX/XX/XXXX and we are still being told they dont have the completed paperwork, the signature was not legible even though I signed the modification papers in XXXX and they could not verify my signature since they didnt anything to compare it to. Again I signed the modification and assumption documents in XXXX. Mr. Cooper was entrusted with handling our and servicing our mortgage but they are breaking our trust by engaging in unfair and deceptive practices. Please help save our home and eliminate the additional stress as we already dealing with the pandemic.
Product: Credit reporting or other personal consumer reports

I received a statement that my payment history was inconsistent with the credit bureaus. My lease with XXXX XXXX was paid in full and satisfied on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from XXXX stating that I had been charged {$420.00} for an unknown amount. After contacting XXXX, one of their representatives stated, " The payment is for some type of state taxes. "? The representative went on to say the credit bureau information was erroneous. I informed the representative that my spouse was exempt from taxes related to XXXX vet status. I want to add that I was leasing another vehicle from XXXX and remain in good standing. Fast forward to XX/XX/XXXX, the credit bureau entered XXXX plus late payments and a missed payment to my account related to the leased vehicle, which was paid in full and satisfied on XX/XX/XXXX. On XX/XX/XXXX, I leased another car from XXXX XXXX. This is very concerning and unfair to me as a consumer. These occurrences have had a substantial impact on my family 's well-being. I have requested that my payment history be printed out.
Product: Mortgage

MR COOPER MORTGAGE has constant telephone problems. I faxed them a letter with all my information showing that they have miscalculated my escrow. I attached my insurance bill and real estate property tax bill. 

No one has responded and there is no way to contact them due to constant phone problem.

I need someone to look at my ACTUAL real estate tax bill and insurance and do recalculation of my escrow Send me new and corrected mortgage statement
Product: Debt collection

i started recieving phone calls from a Halsted finanicial services i have never heard of this company i have never received any correspondence from them and when i ask them what they are calling about they wont tell me unless i give them my personal information which i will not do because i have never heard of this company and it could be someone comitting a scam. and not the real company