23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CCS COLLECTIONS is giving false credit information to the credit bureaus. I sent this collection agency a certified letter requesting they send me the information that shows I owe them the money they are requesting from me and all they have sent to me was some billing statement that I have no clue about. I then request them to send me the following that I never received : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request. 

This letter was sent out on XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion falsely said they verified a bankruptcy by verifying it through the courts. The courts do not talk to any third parties or credit agencies
Product: Debt collection

We were already enrolled in a payment plan with XXXX XXXX XXXX and the debt was paid. Now Im getting another statement saying I still owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX  I disputed an item on my Experian report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify Experian that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to Experian. Experian did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information. Experian responded back that they would not reinvestigate as required by law. The information being reported on my credit report by Experian is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.
Product: Credit card or prepaid card

The bank JP Morgan on the recording on the phone number on the back of the credit that was given to me from JP Morgan stated that I owed XXXX on my account on XX/XX/2018 I sent XXXX XX/XX/2018 XXXX XXXX XXXX  JPMORGAN CHASE PAYMENT $ XXXX- copied from my personel Bank XXXX . I have asked JP Morgan about the funds and they don't know anything about it, then I asked why do I have a credit- JP Morgan said they don't know why, so I have requested my XXXX  back and they have given me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX and XXXX continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

Experian  has not even replied.
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/2023 Dear Sir/ Madam ; I am XXXX XXXX XXXX like to seek to resolve a fraudulent loan thru your office. 

As the matter of fact, on XX/XX/2023 person name XXXX ( ( XXXX ) called and asked if I interested about the Free Solar Installation by state of Texas and if I did there was a man name XXXX ( XXXX ) would see me within 1hr at my house. After we met and exchanged some necessary information XXXX he said in order to fulfill the application he needs my fully personal information for verification of my background, credibility, income... .etc. and if the application got approved then the employee of city of XXXX would come for checking whether or not my property meet standard code of conduct safety and the processing would take up to a week. 

However, on the date of XX/XX/2023 I got a text message from Experian Credit Bureau for Alert Enquiry ( as Exh # 1 ) and I was told by Experian 's represent to call XXXX XXXX to find out the new inquiry and I had tried to contact XXXX XXXX ( as Exh # 2 ) from time to time I finally spoke with XXXX XXXX XXXX, manager of the underwrite department, then find out that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX had fraudulently created a fraud email as XXXX and phone number as XXXX ( as Exh # 4a+b ) along with my personal information to applying for a loan of {$93000.00} with 8.49 % interest for 25 years and that amount of such loan had already issued to the XXXX and she told me to find out the physical address of the applicant on website as I requested her meanwhile the investigation will be on her behalf and we should keep in touch with her personal cell phone and her email as XXXX for further information. And on XX/XX/2023 I drove to the office of Secretary of State of Taxes to get help with dispute and was told by XXXX XXXX XXXX as Exh # 3 ), personnel of the office that I would submit as much as information about the Scam and mail to SOS of Texas including the money order of {$30.00} for the fee and my complaint would be sent to Federal Trade Commision ( as Exh # 5 ), since that issue came out I have tried to contact XXXX by call and text thru his cell phone number to express my anger over the dishonest business and demanded that fraudulent loan must have been resolved and returned to XXXX in the soonest time and XXXX assured that he would submit to his company ( as Exh # 7a ... .7j ) but my demand to no avail till XX/XX/2023 I received a mail indicating my first payment ( as Exh # 4a+b ) will begin on XX/XX/2023. As of this issue, I seek help through Consumer Financial Protection Bureau ( as Exh # 6 ) in hope to clear off the loan that i did not apply for. 

I am enclosing all information as a proof to you for consideration. 

Very Sincerely. 

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

This is a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information the Crediet Reporting Agencies have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required by Federal law to remove any and all accounts and information that resulted due to fraudulent activity. Please help me have the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$80.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items were unknown to me and should not be reported on my Credit File. If the Credit Reporting Agencies believe that the disputed items belong to me and have the rights, legally, to be reportin on my Credit File, I demand that the Credit Bureaus send me copies of documents they found along the way to prove such claims. In the absence of these documents, I expect nothing but immediate deletion of the distputed items.
Product: Money transfer, virtual currency, or money service

Dear consumerfinance.gov, Pleaase resolve my paypal account problem my paypal was permanent ban by paypal massive banning by XXXX i dont know what is my violation on paypal rules im just followed the rules of paypal about XXXX transaction payment then after that my money will be unhold my money
Product: Credit reporting or other personal consumer reports

I requested back in XXXX for XXXX & Experian to remove inaccurate information from my credit report. The account in question is XXXX XXXX  account # XXXX truncated on my credit report is a reporting violation. XXXX XXXX Experian is reporting the last date of last activity inaccurately. XXXX is reporting the date of last activity as XX/XX/XXXX, whereas Experian is reporting the date of last activity as XX/XX/XXXX. These inconsistencies can constitute re-aging accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number or other information to identify account : Source of dispute information : XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 



HARD INQUIRIES : Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I have attached a copy of my identity theft affidavit. 



Thank you for your assistance. 

Sincerely, XXXX XXXX
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. 

These accounts in question are reporting inaccurate information on my reports : 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 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the 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

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.
Product: Credit reporting

I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with equifax and XXXX ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at equifax about XXXX, XXXX around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XX/XX/XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? XXXX % of the time I pay my bills on time, that XXXX % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX that means I owe XXXX % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every two weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!
Product: Debt collection

I was contacted by DRB LLC, aka Diversified Recovery Bureau LLC. They were looking for a relative, I told them not to call me and insisted that they needed to pass a message to them. I refused, I asked to remove me from their list, and they said they didn't have a call list. I also asked if the phone call was being recorded, they confirmed it was without my permission. It was never disclosed that the conversation was being recorded, other wise I would have refused.
Product: Money transfer, virtual currency, or money service

I made a total of five wire transfers from my checking account at Wells Fargo on the following dates and amounts : XX/XX/2022 - {$5500.00} XX/XX/2022 - {$10000.00} XX/XX/2022 - {$16000.00} XX/XX/2022 - {$25000.00} XX/XX/2022 - {$3000.00} to a XXXX XXXX Bank located in the US and in each case Wells Fargo did not question my transactions as to the nature nor the potential of these transfers being a potential part of a scam to get my money in fraud transaction. 

All my money transferred has been stolen and now the scam company wants me to pay an additional {$13000.00} + for a debt that was not of my creation. 

Wells Fargo should have provided better customer protection, flagging the XXXX XXXX Bank as a player in scamming people and advising customers not to make the wire transfer.
Product: Credit card or prepaid card

Bank of America has twice sent me requests for more information to complete a credit card application I have never filed. I have told them I did not want the card and to cancel the application. BOA refused to tell me how the application had been received. 
The have now sent a credit card that I did not request or want. 
This is only happening with Bank of America and no other businesses which makes the likelihood of identity theft much lower. The card was also mailed to my correct current address. Seem unlikely that someone trying to steal my identity would send the card to me. 
Today I am attempting to cancel the unwanted card. I have been on hold for over 20 minutes without anyone picking up, just a recorded message on a loop. 
I want BOA to cancel the card without fees or penalties as it was sent to me fraudulently,. I further want them to never process a credit card application for me again. 
I believe that BOA is committing fraud and endangering my credit card.
Product: Credit card

wells fargo is under scrutiny now. back in summer i was promised on uly 1 interest on my card XXXX to be credited it was not now i closed it and i will not pay the interest. i am tired of the greed lies and poor resolution of this bank. all the dumb calls emails leading nowhere its long overdue for accountabillity not paying XXXX dollars also on my business accouint ending XXXX it was closed without my permission AFTER waivers were promised that never came so i did not use the account. 
wells fargo spends a lot of money paying people to do nothing or send dumb emails and scripts but no hep. resolve both please. i am tired of this horrible treatment, wasting my time etc. and lies i had an account opened without my permission too i will be reporting. SHAME on you. i never gave permission to close business account nor was it appropriate to do so
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. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Never applied for an auto loan with XXXX XXXX, XXXX XXXX XXXX, XXXX  OneMain, XXXX XXXX However, there are two inquiries on my credit report dated for these lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.
Product: Student loan

I submitted everything for a PSLF review as directed by managers at MOHELA. I called to check on the status because one of the newer forms was marked as a duplicate and therefore was not reviewed properly. THIS WAS A NEW UPDATED form that the staff did not review properly and incorrectly marked. I called and asked to speak with a supervisor and after XXXX waits of XXXX hours each time, I never spoke with a manager- just remained on hold. My file is back in review again but it will now take an additional 90 days due to their lack of review ability. I keep having to bear the brunt of their mistakes and it is not fair at XXXX Also, the payments from XXXX are STILL NOT BEING counted. I am being told from MOHELA that this is a Fed Student loan issue ; however, fed student loan says no way they don't have access to this information and therefore can't be in charge of fixing this issue. I am getting no where in getting these payments counted toward the 120 payments. This was while I was in grad school ; however, I made all payments on my loans during this time and never stopped making payments- they should be counted. 
I have attached screen shots to illustrate these issues.
Product: Mortgage

I was in foreclosure and submitted a loss mitigation packet in XX/XX/XXXX and again XX/XX/XXXX and the bank put me on a disaster forebearance due to fema declared disaster and my septic XXXX XXXX  and XXXX  the house. So the forebearance hold be a minimum 90 days or up to 2 years and once that ended the bank was to contact me to discuss loss mitigation options when forebearance ended. 
This cancelled or stopped the foreclosure on XX/XX/XXXX and no new date was scheduled. 
On XX/XX/XXXX XXXX XXXX served me at home with a 3 day quite notice and bought my house at an auction that never was scheduled or even took place possibly they just signed over the deed to him but regardless home transfer took place XXXX XXXX records on XX/XX/XXXX 5 days after 3 day quit, which should void that document and therefore unwind the entire unlawful detainer case. 
I was sheriff evicted after judge refused to hear my case 3 times but also was not approved as it was a non judge who preceding and I didnt agree this fake I contacted HUD for assistance and together we called m & t bank to find out how they could sell my house when I was actively seeking assistance with a completed loss mitigation package submitted and defaulted put on a disaster forbearance and violate dual processing laws and homeowner bill of rights laws they refused to provide any answers and said to contact their lawyer and we did that and after XXXX or so calls and messages of them not return the messages they declined to answer violating my rights even further and then there are no documents showing the details or sale of the property, there was no foreclosure auction schedule after the bank called the only one ever publicized on XX/XX/XXXX and the vet housing initiative paperwork says they purchased it on XX/XX/XXXX at a trustee sale that didnt exist was never publish, posted or told to homeowner or entered into any database, then the new foreclosure laws for XXXX should have denied a fraud felon as XXXX XXXX XXXX XXXX able to purchase at a foreclosure auction and also for the purpose of putting a XXXX XXXX XXXX  XXXX residents out on XXXX XXXX while the house sits vacant and with eventually be used as an XXXX XXXX and the homeowner is XXXX needing assistance living in her truck without restroom facilities or access to hygiene and her tenant who was XXXX with congested XXXX XXXX is denied even a hearing to stop his eviction and put him on the street and today hes in hospice care XXXX  XXXX  - there were so many laws violated and so much fraud from beginning to end that violated so many laws and yet XXXX by XXXX the courts judges lawyers kept letting this maniac who is actively in a FBI REAL ESTATE FRAUD CASE FOR {$9.00} XXXX keep going forward ruining lives
Product: Credit card or prepaid card

I received a debit card from XXXX, issued by XXXXXXXX XXXX It's a business debit card and I do not own a business, nor did I apply for it. I believe that someone opened this account with my name and address, possibly also using my SS number. I already had my identity stolen earlier this year when someone applied for unemployment benefits in my name. From what Square Compliance customer service has told me, the card is prepaid so nothing will affect me. For privacy reasons they won't confirm any other details, but they've assured me that they will close the account and investigate. They mentioned reporting the incident but I doubt if local police could do anything so I'm reporting it here. I still have the debit card but have not used it or activated it myself.