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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX  XXXX XXXX Date opened : XXXXXXXX XXXX XXXX  Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX  XXXX XXXX Date opened XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX   Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX  Balance : -.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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

I have asked several times for this account to be taken off of my credit report per it is not my account. I have not gotten any documentation to prove this is my account or anything. I've been going through this now for about a year or so now.
Product: Credit card

Hello, Today I received an email from Barclaycard XXXX The message reads as follows ... .. 

Dear XXXX, We 're confirming your recent request to change the telephone number on your account ending in XXXX on XXXX/XXXX/2015. 

Next time you need to make updates to your account, visit us online at www.BarclaycardUS.com and click Your Profile. 

If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 

If you do not recognize this request, please contact us immediately at XXXX XXXX XXXX XXXX. 

-end message. 

Realizing I never put in such a request, I did of course call the phone number listed. The automated system confirmed my identity and after doing so began to remind me that my payment was over-due ( I asked to have the card closed and sent to collections, barclay card is continuing to keep it open and charging me interest ). I dialed zero until a person came on the line. This employee looked at the record and saw no change and confirmed that my current phone number was still the phone number on file. He also asked me if I have ever had a different phone-number, irrelevant question, and my answer was no. I then asked to speak to a supervisor who had nothing constructive to add. I believe this email amounts to nothing more than self administered corporate phishing. It is a disgusting, outrageous practice which utilizes the fear of losing your personal information to compel the consumer to call in to the phone number provided only to be reminded of the debt that needs servicing.
Product: Checking or savings account

Scammer called : Phone number XXXX ( XXXX ) XXXX sent my phone a text message saying {$120000.00} was charged to a Bank of America Account which I do not have an open account with Bank of America whatsoever. I called to inquire and explained this and when I mentioned about the possibility that I am being scammed, the representative immediately hung up. He was asking for my personal information and I refused to give it. I just want to maintain records in case something else occurs further. Thank you.
Product: Prepaid card

My fraud complaint was denied and I received a 1 page letter that seemed XXXX XXXX did not address the actual fraud that occurred on my card and they stole XXXX cents of my unemployment benefits from me. 


case number XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX to GOEPCClaims Current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX send new card here ) Address on File : XXXX XXXX XXXX XXXX XXXX XXXX ( dont send things here ) Claim # XXXX Transaction date XXXX Amount XXXX $ I ordered a couch of XXXX for the amount of XXXX. When I received the confirmation I noticed that they had said they had shipped to my billing address. I tried emailing them got a non answer. I tried contacting them through the webpage ( not a real number ). I started XXXX whether others had been scammed and found no positive review and several in the same situation I am. I then contacted the post office once the package reached America from XXXX. THe post office informed me that the package size was XXXX and that they normally do not deliver couches. They also informed me that the tracking number provided was being sent to hawaii as several of the other reviews claim. I have no address in hawaii, I have never been to hawaii and I know no one in hawaii. I have tried to contact them again but there has been no response. Please see the attached documentation. 

Thank you, XXXX there were a bunch of pictures of the transactions the website. the emails. this is also mail fraud which I can not upload to the CFPB webpage at this time.
Product: Debt collection

Transworld is attempting to collect a debt that is not mine. I have requested them several times to validate this debt with proof of ownership and they have failed to do so. As per FDCPA this account must be removed from my credit report and Transworld must cease and decease this collection.
Product: Mortgage

I purchased my home with no down payment - XXXX in 2006I was making the mortgage payment for XXXX months. 
Then, i lost my job and fell behind on the mortgage. 
I called them several time and i was offered a program to help me save my home. 
Again, I fell behind. Then Bank America began to harass me ... I do n't understand why they called me until .... i was told that they purchase XXXX. Again i was offered a new payment plan. I was not working and could not afford it .... Then a few other banks called me - i had a XXXX mortgage too ... .. XXXX, XXXX, ,XXXX, XXXX , XXXX AND XXXX .... This was very confusing to me so i took XXXX to court. They agreed to present the original note and show they are the current mortgage bank ... PLEASE HELP MY FAMILY AND SAVE OUR HOME ... ... ... ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b XXXX and TransUnion are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX Balance : {$6.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) XXXX and TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX, XX/XX/22 To whom it may concern, I closed a credit card down XXXX '' through my XXXX  as I was not using and it was in excellent standing and was told by XXXX  rep. when I asked would my credit score be effected and was told NO. A few days later XX/XX/XXXX a hit of XXXX XXXX on my good credit score. Tried calling Experian and after a few hours of waiting was told to call my Bank and there was nothing she could do.. Not able to even confirm that is the reason for the decreased score which is stressful and wasteful. I then called my XXXX  and was put through XXXX XXXX in another language that I did not understand, Please advice me as to steps I can talk and who I need to speak with, Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Debt collection

Continental Credit Control reached out in XX/XX/XXXX stating I owed a medical debt. They provided mostly illegible documents that had a person with the same name in a different city. 
I disputed the charges in XX/XX/XXXX. I did not receive any communication from Continental Credit Control until XXXX and XX/XX/XXXX, when they sent statements for the collections account, despite not having responded to my dispute. 
In XXXX of XXXX, they responded to the dispute. However, they did not provide any new information validating either the debt or their ownership of the debt. 

Aside from their communication, their tactics to collect interest on medical debts are unlawful.
Product: Debt collection

I have no clue what Western Shamrock is.And they are asking for $ XXXX.Where I have no idea of any loan, or other services that I have received from them.
Product: Checking or savings account

Wells Fargo... 

Notification XX/XX/XXXX, that accounts would be closed. Final decision issued XX/XX/XXXX ; account closure effective XX/XX/XXXX. 

Myself a retired person aged XXXX, I manage finance for my XXXX XXXX XXXX stepmom, who has XXXX and since late XXXX, XXXX resides in a XXXX XXXX XXXX I DO have power of Attorney for my XXXX, and I AM listed as an owner on these Wells Fargo accounts. 

I have been handling these duties for over a year now, since XXXX, XXXX. Since XXXX, XXXX I have been underwriting her expenses at the XXXX XXXX XXXX. Each month I have been supplementing her XXXX and small investment payments with transfers from my own account into the co-owned WF accounts. I then pay my stepmom 's obligations, and sometimes take back what is left at the end of month, before the cycle re-starts. These funds are coming from my own life savings. 

On XX/XX/XXXX, a deposit transfer was blocked. I called the bank that day and they would not tell me why. Later that day my stepmom and I each received emails that the accounts were to be closed. When I called the number on the email, I was told that the number of bank-to-bank transfers was deemed excessive, and posed a " risk to the bank ''. The representative I spoke to stated that she would request the account remain open, but could not make the decision. 

Today, XX/XX/XXXX, I inquired and was informed that the accounts will indeed be closed. When I inquired about whether my stepmom 's XXXX payment would be blocked on or about the XXXX, they said that " it should go in before they close the account ''. When I asked about the approximately {$9900.00} that is currently on deposit, they responded that those funds would be frozen until the accounts are closed. 

So, Wells Fargo is arbitrarily closing the shared accounts of XXXX senior citizens, causing unnecessary difficulty ( changing direct deposit accounts with investment firms and XXXX ), and furthermore illegitimately withholding funds that do not belong to them. 

I am making arrangements for a new bank, but this takes time.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This serves as the many formal attempts to address this matter.

As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is imperative that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXXXXXX XXXX  Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to comply with the FCRA and has not blocked the reporting of a fraudulently opened account. Both XXXX and XXXX have removed this account and have complied with FCRA 605B ( 15 U.S.C. 1681c-2 ). Transunion has ignored letters i have sent along with proof  of address and signatures showing that this account is not mine. The account reporting on my credit file by XXXX XXXX XXXX is a fraudulently opened account and as per the FCRA must be blocked from reporting on my file. I have included a copy of the correspondence sent to Transunion as well as the FTC Identity theft form as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I received an email from Sallie Mae that a student loan was denied and it listed XXXX as the credit reporting agency. When I looked on my credit report I could see a new hard inquiry had been done by Sallie Mae on XX/XX/19. I did not apply for a loan with Sallie Mae on that date. It had me listed as a co-signer of the application and allowed me to pull up a copy of the application. It lists clearly that I had not signed nor received a request to sign to be a co-signer. After speaking with my daughter she said she started the application but didnt finish it because she didnt have my information. I contacted Sallie Mae to dispute the inquiry. Sallie Mae said I had to call the police and prosecute my daughter for fraud to have it removed. I tried explaining that no she had not committed fraud, the application was never signed by me and therefore was never completed and they should not have run an inquiry without authorization to do so. The person on the phone just kept over talking me and telling me I had to press fraud charges. How can they run an inquiry on my credit report when the copy of the application they sent me clearly states co-sign never signed. I didnt get an email asking me to sign or anything. It was an incomplete application and never should have been processed to begin with. The inquiry should be removed from XXXX based on that. XXXX will not do anything without a letter from Sallie Mae telling them to remove it from my credit report. Im not sure who made the mistake of processing an inquiry on my credit without permission, either Sallie Mae or XXXX but neither will help me to resolve the issue. My daughter didnt commit fraud the application was not completed and I never signed it so it shouldnt have ever been processed.
Product: Credit reporting or other personal consumer reports

Contacted all 3 burueaus multiple times regarding validation for enorrous reporting still have yet to provide that evidence asked for and better yet these problems still persist on my credit report and has not never been deleted investigated or just responded too in lawfully manner everything has been misleading confusing and off during the process Failed to Validation of Debt- Falsely represent or imply that accounts have been sold to innocent purchasers for value Falsely represent or imply that documents are legal process Use any name other than the true name of the debt collectors business, company, or organization abbreviations, numbers are considered false / misleading.

Unfair Practices False / misleading practices Please take each account that was disputed previously for violating consumer laws 15 USC 1692 Validation of debts False / misleading representations CFPA 's prohibition on unfair acts or practices. 12 U.S.C. 5531 ( c ) ( 1 ). 

Delete each account across all the bureaus for failing to respond, failure to comply and failing to report 100 % accurate information and actually provide factual proof during investigation process Accounts : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1. THOUGH MY PERSONAL CFPB VERIFIED COMPLAINT CONSUMER PORTER I FILE THIS COMPLAINT. SO NOW EXPERIAN DOESN'T HAVE TO QUESTION ON WHO SUBMITTED IT. IN IT YOU WILL FIND A DISPUTED ACCOUNTS THAT REFERENCE INACCURATE AND INCOMPLETE ACCOUNT INFORMATION THAT I MAIL TO EXPERIAN DATED XXXX XXXX XXXX BUT ON XX/XX/XXXX INSTEAD OF DOING A REQUIRED RE-INVESTIGATION, EXPERIAN RESPONDED WITH A LETTER SENT DIRECTLY TO ME STATING MY DISPUTE LOOKS SUSPICIOUS AND THEY DONT BELIEVE IT WAS FROM ME. HERE IS A DIRECT QUOTE TAKEN FROM THE LETTER WE RECEIVED A SUSPICIOUS REQUEST IN THE MAIL REGARDING YOUR PERSONAL CREDIT REPORT AND DETERMINED THAT IT WAS NOT SENT BY YOU. SUSPICIOUS REQUESTS ARE REVIEWED BY EXPERIAN SECURITY PERSONNEL WHO WORK REGULARLY WITH LAW ENFORCEMENT OFFICIALS AND REGULATORY AGENCIES TO IDENTIFY FRAUDULENT AND DECEPTIVE CORRESPONDENCE PURPORTING TO ORIGINATE FROM CONSUMERS. IN AN EFFORT TO SAFEGUARD YOUR PERSONAL CREDIT INFORMATION FROM FRAUD, WE WILL NOT BE INITIATING ANY DISPUTES BASED ON THE SUSPICIOUS CORRESPONDENCE. EXPERIAN WILL APPLY THIS SAME POLICY TO ANY FUTURE SUSPICIOUS REQUESTS THAT WE RECEIVE, BUT WE WILL NOT SEND ADDITIONAL NOTICES TO YOU 2. I ATTACHED THAT VERY SAME LETTER TO THIS COMPLAINT SHOWING THAT THEIR RESPONSE TO NOT RE-INVESTIGATE MY DISPUTE IS NOT GROUNDED IN LAW OR THE FCRA.EXPERIAN BASES THEIR DECISION SOLELY ON THEIR " ASSUMPTION '' WHICH IS A VIOLATION OF 15 USC 1681i, IT IS A STRANG ASSUMPTION BEING THAT ALL MY VERIFICATION DOCUMENT WERE ATTACHED TO MY DISPUTE. EXPERIAN THEN GOES ON FURTHER AND STATES THEY WILL NOT INVESTIGATE ANY FURTHER DISPUTES FROM ME. THIS IS OBVIOUSLY AN ATTEMPT BY EXPERIAN TO VIOLATE THEIR DUTIES TO DO A REASONABLE INVESTIGATION. SEEMS AS IF THEY WOULD PREFER ME TO CONTINUE WITH A CREDIT REPORT FILLED WITH INACCURACIES INCLUDING MY ADDRESS. THIS ONLY SERVES EXPERIAN BOTTOM LINE AND PROFIT. LASTLY EXPERIAN IN THE LETTER RESPONSE IS DOING THEIR BEST TO FORCE ME TO DISPUTE ONLINE AND BY PHONE, OR DOCUMENT UPLOAD, WHICH BY THE WAY DOESNT UPLOAD. I HAVE A RIGHT TO DISPUTE BY MAIL AND ASK FOR A RE-INVESTIGATION OF ACCOUNTS THAT ARE INACCURATE AND INCOMPLETE BUT EXPERIAN IS REFUSING ME THE CHANCE TO DO SO. ALL DISPUTES ARE WRITTEN, TYPED AND AUTHORED BY ME THE CONSUMER. 

3. EXPERIAN NEEDS TO STOP VIOLATING MY RIGHTS UNDER USC 1681i AND PROCEED WITH MY ORIGINAL DIPUTE THAT IS ENCLOSED I THIS COMPLAINT AND ALSO BEING REMAILED. THEY ARE STILL UNDER THE ORIGINAL 30 CLOCK AND ONLY HAVE THE REMAINING DAYS TO COMPLETE. ATTACHED TO THIS COMPLAING IS A COPY OF THE LETTER FROM EXPERIAN STATING THAT THEY VIOLATED MY FCRA RIGTHS AND WILL CONTINUE TO DO SO. ALSO ATTACHED TO THIS COMPLAINT IS COPY OF ORIGINAL DISPUTE FOR EXPERIAN TO PROCEED SINCE THE CLOCK IS STILL RUNNING ON THE ORIGNAL 30 DAYS. EXPERIAN ALSO NEEDS TO STOP BLOCKING MY DISPUTES AND TO TAKE OFF THE FILTER ON MY ACCOUNT PROHIBITING ME FROM DISPUTING IN-ACCURATE AND INCOMPLETE ACCOUNTS