23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authothize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Debt collection

Today, I am at work, unable to answer my personal phone. I see an alert that a phone number XXXX has called and left a message. Immediately after I get a phone call at my job from the same number. I answer my desk phone, the caller identifies himself as XXXX XXXX, does not give a company name, and will not answer me when I repeatedly ask what this is regarding. He finally says it is a personal matter, I reply than this is not the place to contact me and end the call. He then dials my mother and sister. My sister calls me upset, saying a man named XXXX XXXX is looking for me, he sounds very militant, would not tell her why he was calling, and is adamant that it would be in my best interest to contact him. He did give her a company name of Alpha Recovery and a different number than what he is calling from of XXXX.
Product: Debt collection

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Product: Credit reporting or other personal consumer reports

This Comapny has emailed me stating that they have opened an account with my name and ready for payment. However this same company has personally contacted me through the phone verified that it was me they was talking to. I asked them what was it pertaining to. The rep didnt want to tell me unless I told him my social security number and my birthday. I then informed the rep that I will not share that information they have my name and Im not sure how they obtained this number because no one has it. I requested a cease and desist from communication and reporting. I was then told that because I didnt want to verify my birthday or social security they will not do a cease and desist.

Now Im receiving emails about a payment for a debt that other debt collector are trying to collect on ; I didn't get a debt verification at all. however Im concerned on who the assignment contract belongs to? 

Requesting the assignment contract. I dont want a bill I want the original assignment contract.
Product: Money transfer, virtual currency, or money service

I was trying to purchase a vehicle on cash app and the person saleing it was not the person that it was supposed to be I sent XXXX through cash app come to find out the person got hacked and wasn't selling anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Accounts opened without my permission XXXX   {$3200.00} XXXX XXXX ( 4 ) Amounts {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$330.00} INQUIRIES : XXXX XXXX Credit U Inquiry from XX/XX/XXXX XXXX XXXX Payday Ln Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, My information was sold and bough illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Ive attempted to resolve these issues by contacting XXXX through disputes on XX/XX/XXXX regarding XXXX XXXX for the amount of {$350.00} but Ive never received a debt validation letter also the amount changes every time I speak with someone over the phone on XX/XX/XXXX. XXXX XXXX XXXX XXXX has also never given me a notice of this balance of {$600.00} and now its gone up to {$760.00}. I have attempted to contact XXXX though disputes, letters and phone calls to have them look into closed world financing and XXXX XXXX XXXX XXXX that are reporting as late but its always coming back a valid ( XX/XX/XXXX ) which I dont understand if they are closed accounts. I truly believe something is not adding up with my credit reporting regarding all 3 accounts
Product: Debt collection

I am not liable for this debt with XXXX XXXX, I do not have a contract with HUNTER WARFIELD, they did not provide me with the original contract as I requested. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX, regarding my purported overdue balance of {$10000.00} allegedly owed to XXXX XXXX. Upon receiving your communication dated [ XX/XX/2024 ], I was taken aback by your attempt to collect this debt via email. It has come to my attention that this action violates the Fair Debt Collection Practices Act ( FDCPA ), specifically Secction 805 ( 2 ) ( b ), which prohibits debt collectors from communicating with consumers through means known or should be known to be inconvenient. Email communication for debt collection purposes falls under this category, as it is intrusive and lacks the necessary privacy afforded by other forms of communication. 
Your attempt to collect a debt via email has caused me undue distress and is a clear violation of my rights as a consumer under federal law. Therefore, I am hereby demanding the following remedies and compensation for the damages incurred:1.Immidiate Cease of reporting this alleged debt to any Credit Reporting Agency 2 . Immediate cessation of all further communication regarding the alleged debt via email.

3. A formal apology from Hunter Warfield for the violation of my rights under the FDCPA.

4. Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 5. Reimbursement of any legal fees incurred in addressing this matter. On XX/XX/2024, XXXX XXXX contacted me via email on an attempt to collect a debt. Below I have an attached my response to XXXX XXXX. ( Please See Attachments )!
Product: Credit reporting

I filed a dispute with Transunion Credit Bureau for an account with creditor XXXX on behalf of XXXX on XXXX and it was suppose to be resolved on XXXX. The account is incorrect because I have never opened an account with XXXX or did business with them. I sent XXXX a certified letter disputing this and asking for proof on how this was opened and never received a response back. So I called Transunion to find out why it was still open and on my report and they stated it was verified. I asked them how they verified and I was not able to get an answer. This account does not belong to me and it was removed from the other credit Bureaus except Transunion. In addition I have attached a copy of the receipt of the certified letter I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are Ally Financial XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Like many Americans I was in the forbearance program with my mortgage company. At the time I was dealing with XXXX XXXX XXXX. Previous to COVID, I had never missed a payment or even been late a single time in 16 years. My credit was well over XXXX. This changed when forbearance ended and XXXX XXXX XXXX started using 'Shellpoint Mortgage Servicing ' to service their loans. I spoke with them and was assured of a smooth transition. I setup autopay as it had been setup for many years before then. But their bank failed to pull the payment. I was made aware of the issue FOUR DAYS after this would have needed to be processed and IMMEDIATELY rectified the situation. I made any due payments. However, even with providing proof that I was on their autopay plan AND appealing to them directly, from an attorney, and directly to credit reporting agencies, they STILL have yet to take the 'late payment ' off my credit report as promised. This has DESTROYED my credit and disabled me from refinancing my loan from the high 6.5 % rate they stuck me with. I went on tour for work after autopay was setup in XXXX and only learned of the problem on XX/XX/XXXX. Please help ASAP. 

thank you! 
- XXXX XXXX
Product: Credit reporting or other personal consumer reports

CBNA bank pulled up hard inquiry on my credit report & it dropped my XXXX points in XXXX & XXXX  points in XXXX today ( XX/XX/24 ). Then I called them to remove they told me they dont know anything about your account. I just need to remove the hard inquires from my credit report.
Product: Credit reporting or other personal consumer reports

I recently looked at my consumers report and noticed accounts with inaccuracies. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for full accuracy. these are the accounts in question.1. ( XXXX  XXXX account number XXXX ) XXXX. ( XXXX XXXX  account number XXXX ) XXXX. ( XXXX XXXX XXXX  account number ( XXXX )
Product: Checking or savings account

I submitted a complaint that the denials on my Bank of America debit card. They declined the card and cost me XXXX dollars. Three people hung up on me after I told them this and they said they couldn't do anything.
Product: Money transfer, virtual currency, or money service

I a filing a complaint against CASH APP ( Block.INC. ) due to inadequate customer services. An unfair practices. Which violates the customer. Financial protection act ( CFPA ) Specifically, Cash App failed to take timely and effective measures and address fraud on this platform leaving my account vulnerable and unprotected furthermore this dispute and resolution process was unfair and deceptive.. as they did not comply with error, resolutions requirements under the electronic funds transaction act ( EFTA ) and regulation E.. these ex has caused significant inconveniences and financial laws the money that I had invested in stocks, all of my stocks are gone all of them Im seeking appropriate redress for these violations
Product: Credit card or prepaid card

I made a purchase using my card at XXXX for {$4600.00}. I returned my items back to XXXX and XXXX did not refund me. I then opened a dispute with credit card company because I don't want to pay for something that I never got. I provided all proof showing that I did return the item back to XXXX and they received it. I keep calling CapitalOne and no one is helping me resolve this issue. They keep saying, we will look into it and never get back to me. Please review Case Number : XXXX and provide my money back. Thank you.
Product: Debt collection

I received a letter ( XX/XX/XXXX ) from a collection agency on a credit card judgement filed through the XXXX   Judicial District Court of Utah on XX/XX/XXXX, Case no. XXXX for {$4000.00}. I declared Chapter XXXX Bankruptcy through the Federal Bankruptcy Court in XXXX XXXX XXXX, Utah ( Case no. XXXX ) on XX/XX/XXXX, and the bankruptcy was discharged on XX/XX/XXXX. This is an illegal attempt to collect this debt, as it was discharged in the above referenced bankruptcy, and the statute of limitations ( 5 years ) has passed. The information on the collection agency is as follows : XXXX , XXXX being represented by XXXX XXXX XXXX, ( XXXX XXXX XXXX ), Constantino Law Office, P.C., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXX. I called XXXX XXXX on XX/XX/XXXX and left a voicemail message demanding that they cease and desist their collection efforts on this debt because it was discharged in the above referenced bankruptcy and the statute of limitations had well since passed ; and that any attempted to collect on a debt under these conditions is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Hello my name is XXXX XXXX I sent debt dispute letters 40 days ago with no response listed below are the accounts In dispute. 

Credit Bureau-XX/XX/XXXX XXXX Original Creditor : XXXXXX/XX/XXXX),XX/XX/XXXXXXXX Original Creditor : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, N/A, XXXX, XXXX, N/A, XXXX, XXXX, XXXX, XXXX I mailed these out on XXXX
Product: Debt collection

Is reporting negative on my credit report which is dragging my score all payments are in deferment and no credit bureau will correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Depot is incorrectly reporting an installment account as 120 days delinquent every month through at least XX/XX/XXXX to XXXX when it is not. The account was charged-off in XX/XX/XXXX and now has a {$0.00} balance. Loan Depot is reporting a balance of {$8800.00} when it should be {$0.00}. It appears they may be dual reporting the account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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

Wells Fargo charged me thousands of dollars in NSF fees over the last 3 years. Even during COVID when banks were waving them I was still getting hit with fees. Accounts were positive at end of business day but somehow within hours negative and hit with all the fees. Never given the chance to even make the account positive. I was constantly told they are unable to refund due to the amount of reversals in the past 6 months was over XXXX.
Product: Student loan

On XX/XX/XXXX I filled out the contact form on the Nelnet website while logged into my account. I never got a response. On XX/XX/XXXX I sent a separate email to the email address demanding a response from the email address associated with my account. After 6 days they responded asking for my account number and info and my question. I gave them all of that in response on XX/XX/XXXX and they never responded. I followed up on XX/XX/XXXX asking again that they respond. They responded today refusing to assist me via email and saying I HAD to call. I can not call due to my work hours and their call center hours, and when you do call the wait times are hours long. They must reply to me and help me by email. They have illegally capitalized interest payments into my loan without informing me they are doing so. They also have the incorrect schools on my loan. One school is listed at XXXXXXXX XXXX and the only money I owed them was dissolved in bankruptcy so if they want me to take this loan back to XXXX XXXX I will, but the loan actually belongs to XXXX XXXX, they both do. I do not owe any money to XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX1681r unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.
Product: Money transfer, virtual currency, or money service

I have opened account with WISE on the name of my company. XXXX XXXX XXXX. My account was deactivated by WISE without any intimation or information. i had a funds in my account that were XXXX USD. I was told my Wise that it will take 2-5 days for XXXX bank transfer as i have provided my US account detail of other bank to transfer my stuck funds. But they have not kept their commitment it's been 20 plus days i am begging for my money and even they are not even bother to respond. Just respond once or twice and said we don't understand the problem but it will take time. They made a commitment and i suffering loss because for their false commitment and pathetic behavior. 
Moreover i am amazed and disappointed to see the poor response of American bank. I was of the view that people and system in US is very much customer oriented and they care for the rights of normal person but unfortunately it is vice versa. I had paid XXXX USD for their membership but not able to use my account properly. I am requesting you to help me out to refund my stuck amount and membership fee that is basically my right to get back my money that is XXXX USD. 
Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX I am a customer with XXXX XXXX XXXX. I have a Chase Bank on file with XXXXXXXX XXXX XXXX, an issue had happened for a transaction of {$770.00} from XX/XX/2019. It was returned back to Chase bank from XXXX XXXX XXXX, I have called the Merchant to return back the money to my checking account with chase bank. The Merchant had told me that they returned back the money to my bank account but still, I had ended up the negative balance with XXXX XXXX XXXX. I have called my bank to pay XXXX the money again and they have told me we sent the money back to the merchant which is XXXX XXXX XXXX XXXX  XXXX XXXX that XXXX XXXX XXXX deals with. After speaking with the bank to return the money back to the merchant XXXXXXXX XXXX XXXX and they had told me that it would take up to 45 business days for your merchant to receive this amount of {$770.00}. Until now its about four months this issue is going on and until this day I do not know where is my money at this point on. The merchant didnt receive any money until now from my bank chase and I have spoken to my bank so many times for almost four months. The bank had said to me we sent the money already and we have nothing to do with this matter anymore. The merchant until this day did not receive their money that I had paid from my Checking account with chase bank. So please I would like for some help to know where my money {$770.00} went at this point. As of now, I am in so many problems being negative and in collections with the merchant, because I dont know where My bank sent the money as of today. 



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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5900.00}