23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I spoke with someone on XXXX XXXX about purchasing a new camera for the price of {$670.00}. I asked for video of the camera working which they sent me, as well as a photo of the camera with the date written on a piece of paper sitting next to it which they also sent. We discussed forms of payment and settled on XXXX, since at this point, I was very certain that this person had the camera. They sent me photos of them packing up the box, and a photo of the outside of the post office which states no cell phones are allowed inside. They assured me that the package had been shipped and sent me a screenshot of the tracking screen with the last XXXX digits crossed out. They explained to me, that their mom doesnt want them to share the full tracking number until payment has been sent. I then sent {$670.00} through XXXX with my Wells Fargo checking account. 

I reached out to Wells Fargo after realizing I had been scammed, and they put in a fraud form for me but I havent heard back at all and its been several days. The XXXX I sent money to was XXXX XXXX but theyve also have a XXXX by the name of XXXX XXXX. I went back on XXXX XXXX and their XXXX account has since been deleted. I found another listing similar to the one I fell victim to, and low and behold, someone wrote a review saying it was a scam and listing out exactly the same thing that happened to me.
Product: Debt collection

On XX/XX/XXXX  I sent a Bill of exchange payment of {$3400.00} by Restrictively indorsing the coupon they had sent me in the mail and sent this instrument to the payment address on the coupon. ( Image 1 ) has the tracking information. I attached a cover letter ( Bank of America XXXX XXXX XXXX ) explaining the process and if they needed further information who they can reach out to. After not hearing back I decided to call Bank of America on XX/XX/XXXX  and they told me that they did not receive any payment. I explained how I sent a valid payment to the address on the coupon. They told me to call back later to see if it would update in their system. I called back on XX/XX/XXXX  and they said that they had not received payment or that it was lost. I then explained that if you guys lost or destroyed my payment per XXXX XXXX the amount due must be discharged. They did not discharge the debt and said that I was incorrect. I then sent another payment of {$3500.00} Registered mail to CFO XXXX XXXX with no response ( Image XXXX ). I was then notified that my account was closed on XX/XX/XXXX  without my authorization. On XX/XX/XXXX  I then sent Bank of America a Notice of Claim letter, my Power of Attorney document, and the contract for my credit card account. ( Bank of America Notice letter 1 ). I did this following the Federal Reserve Act section 16 which states that " In no event shall such collateral security be less than the amount of Federal Reserve notes applied for ''. This notice letter is a tender of payment and makes it a collateral security. I did not receive any update ( Image 4 ) tracking information. I was then called continuously by Bank of America saying that I owed a debt that I already paid, which I explained that I had sent them multiple payments. They again said that they did not receive anything from me. I then sent another Notice of Claim letter ( Bank of America Notice letter 2 original ) on XX/XX/XXXX ( image 5 for tracking ). They have not responded to this letter either. They have also reported my non-public transaction history to XXXX, XXXX, and XXXX without my written authorization. Bank Of America has been knowingly and willingly breaching their fiduciary duties and acting in bad faith per Federal Reserve Act Section 29. They are knowingly causing me substantial financial loss and reporting incorrect information to unaffiliated parties.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Clarity ( or any affiliated credit reporting agency ) for clear and blatant violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am a victim of identity theft, and Clarity is reporting incorrect address names that do not belong to me. These inaccuracies are a direct violation of FCRA standards and are severely impacting my financial reputation. 

Section 611 ( a ) - Dispute Resolution : I have disputed the inaccurate address information directly with Clarity, providing all necessary documentation, including a police report confirming identity theft. Despite this, Clarity has failed to correct or update the erroneous information within the legally required 30-day period.

Section 605 - Accuracy of Information : The addresses reported by Clarity are inaccurate and not associated with me. According to FCRA, all information reported must be accurate and verifiable. The continued reporting of this incorrect data constitutes a violation of this requirement. 

Section 602 - Reasonable Procedures : Clarity 's failure to address these inaccuracies promptly indicates a lack of reasonable procedures to ensure the accuracy of the information they report. This is in direct contravention of the FCRAs mandate for accurate reporting.
Product: Debt collection

I have been receiving phone calls from a company called CNU and the representative is XXXX XXXX. I believe it is a debt collector, but they will not explain the issue in the voicemail. This company continues to call EVERY day of the week and they will call my work phone twice before calling my cell phone. I do n't know if this is even a debt that belongs to me, but I would prefer a letter in the mail and it be my option to contact them. I do NOT need them harassing me at my job everyday or on my cell. It is embarrassing and annoying. This has been continuous for the past two months XXXX or longer ) ; enough is enough.
Product: Credit card or prepaid card

My credit card was charged on XX/XX/2022. The charge was for some kind of subscription I did not authorize or was unaware of such subscription. The customer service agent told me to call XXXX directly to resolve issues. I did this but the number given does not allow me to speak to anyone at XXXX concerning this charge. It just sends me back to capital one. Very frustrating the number given is XXXX. I told customer service agent at capital one to cancel card if they refused to take charge off. Thats when she told me to call XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been so patient with Equifax but it seems they are just neglecting my request of removing the items I asked them to do. Some items were not related to me and some of the furnishers were not authorized. I would like them to be removed immediately if no proof is provided. 
Incorrect addresses : 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 XXXXXXXX Employer : XXXX Charge off : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX  XXXX Balance : {$1500.00} Inquiry : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX
Product: Debt collection

I continue to receive unwanted text messages from a company called Capital Link Management about a XXXX XXXX taken out by a family member who I do not have contact with. They text from a different number every time. I respond 'STOP ' every time but then receive another text message from a different phone number. Below are the days, time, and phone numbers from which I have received calls over the last few months. 

XXXX ) XX/XX/2022 at XXXX ET ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX XXXX ) XX/XX/2022 at XXXX ET ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX
Product: Credit reporting or other personal consumer reports

Recently, i looked at a copy of my credit report and noticed several innacuracies on my account. The account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Product: Money transfer, virtual currency, or money service

I was sent a text saying that a purchase was being made on my account. If I did not authorize the purchase I should tap on the text. A women came on the phone and told me that my account may have been hacked and we needed to see if there were any other purchases attempted. She had me open an app that allowed her to view my accounts and she showed me other attempts to use the account from different parts of the world. I have been purchasing a few more items than usual lately so I thought it was possible that I had been hacked. She told me that I needed to open zelle and put an amount in of {$990.00} and prove that I was the true owner of the account and then we could cancel the purchases. I foolishly did as she asked. When she asked me to cover a second purchase I realized that it was a scam. I hung up the phone and called my bank. I waited to speak with someone who then transfered me to the Zelle division of the bank. I waited for approximately 30 more minutes and then called Zelle directly. An automated message told me that I needed to contact my bank. So I called XXXX  XXXX XXXX back and they refused to talk to me until I could get my husband on the line and merge the call. And then they transfered me again and I waited again to speak to the zelle division for over an hour. They did finally talk to me and I was able to file a claim. The representatives from XXXX were all very nice and helpful but the phone call from the scammer was over two hours old. I wonder if more could have been done to help get the money back if I could have reached someone sooner.
Product: Payday loan, title loan, or personal loan

Speedy Cash threatened me by way of XXXX XXXX XXXX saying if I do not repay the XXXX I borrowed I would owe them XXXX but also said there was a judgement on XX/XX/28 and I could face garnishments and what not. I was never served.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from XXXX  for the improper use and damages. I have attached a affidavit of truth, invoice, legal notice and the exhibit proving these proof and admission, and the same information has been sent certified mail green receipt to the company. I just want them to do right by me as a consumer and the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

C.TECH collections never contacted me about a medical debt and reported the collection to XXXX XXXX XXXX reporting without establishing contact with me first. This negatively impacted my XXXX  score dropping it by XXXX points. I was unable to secure a loan due to my lower XXXX  score. C.TECH was unable to provide proof that they attempted to contact me. They had no evidence by mail or recorded phone conversations.
Product: Credit reporting or other personal consumer reports

I recent reviewed my credit report and notice i had fraudulent account on my report, please remove these account from my report. they are hurting my ability to obtain credit.
Product: Debt collection

A XXXX XXXX calls to state they need information on a debt. They will not say who the creditor is. They seem to be trying to fish for personal information. They state they are from Clearview Resolution and are in the Department of Civil Processing. She states her extension is XXXX. They call from number XXXX and want you to call them at XXXX. 

They also have a guy stating his name is XXXX XXXX call ; he states his is from XXXX XXXX XXXX wanting to drop off something that needs to be signed. And refers you back to the XXXX
Product: Checking or savings account

My name is XXXX XXXX, I have a Bank of America Checking account which is a joint account with my ex-spouse XXXX XXXX. We divorced in XX/XX/2021, and BOA requested XXXX XXXX to be physically present at the BOA branch in order to remove him from the joint checking account. I contacted my ex-spouse many times and sent him the required paperwork, but he still did not go to BOA to remove him. I called BOA and the suggestion is to close the joint account and reopen it again. But I don't want to close the existing account.
Product: Credit card

Mail from Citi XXXX card wrote to opt out call XXXX. This number prompts for social security number. Is this a fraud?
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I am listing all the negative accounts that are a result of the XXXX data breach. XXXX, XXXX XXXX XXXX XXXX account no : XXXX, Transunion XXXX XXXX XXXX XXXX XXXX account no # XXXX, XXXX, XXXX XXXX XXXX XXXX account XXXX # XXXX, along with XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, Please have these accounts deleted from my consumer repots immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance.

Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the reporting of Child Support on my credit put by the Texas Attorney general. It is unfair that it is assumed that I have never paid child support. I have provided proof to the attorney general and have requested an investigation by the XXXX  and Equifax, for them to prove I owe this amount of {$8800.00}. All the answers i get are the information is the same. But there is no info on dates delinquent, every month it reports like its month one on my credit. There are amounts paid just a big balance. I have had my wages garnished and I have had my tax refund offset. Now that I am trying to buy a home, to stop renting all my life, I learn a lender will not help me due to the incorrect reporting on my credit report. I dont have money to pay an attorney. The attorney general are not helping me at all with regard to setting up a hearing to provide proof and my side of the story. its not fair how i am treated as a XXXX XXXX mother and refused a home.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. 
By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 I have several addresses linked to my profile in which is not mine except XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX is my mothers I lived there until XXXX should not be on report My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX My only date of birth is XX/XX/year> My only employer is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within XXXX  days from the date of the receipt of this notice. 
I look forward to your response.
Product: Student loan

NAVIENT Original XXXX XXXX Application submitted XX/XX/XXXX Account Number : XXXX I applied for XXXX XXXX repayment, XXXX XXXX XXXX with Navient after I was deemed XXXX XXXX by Social Security for a XXXX XXXX XXXX. Navient sent me a XXXX XXXX form in XXXX and my XXXX  completed the form thoroughly, through " XXXX. '' I received a confirmation that my form was received ( which I have saved. ) I submitted this XXXX XXXX XXXX XXXX XXXX XXXX  form several times in XXXX and XXXX after they claimed that they " didn't see it, '' on my account. Then I was told that I had to be XXXX for at least 5 years in order to qualify, which I did meet because in XXXX I had been XXXX for 6 years. 

I also called several times during the years and requested an update and I was told by Navient repeatedly that it was " in process. '' I was also told that I also had to complete my Income Repayment form as requested, then my XXXX XXXX XXXX XXXX XXXX XXXX would take effect ; however, that NEVER happened and I was given the run around. I was lied to and told it was still in process, which is still pending 10 years later and I am still XXXX XXXX, and have been for a total of 16 years. I did my part and followed Navient 's process. 

After Biden was elected there were loan forgiveness programs for XXXX, I called them and again I was told that I did not have to do anything because it was already in process. I have yet to hear back from Navient. It has been 10 years of credit impacting, I couldn't get an equity line of credit after a few attempts throughout these years because of my existing student loan. I had to file for bankruptcy in XXXX because I could not access my home 's equity to pay for medical bills and debts.

I feel this is dishonest and needs to be investigated. I just read that CFPB was able to finally hold Navient accountable and I wish to be included in the lawsuit against them for this exact reason. I feel they took advantage of the XXXX who are vulnerable to unfair credit practices. 

Thank you so much for your time.