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

XXXX XXXX XXXX XXXX XXXX. 
Last 4 of XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX allegedly opened XX/XX/XXXX Credit Bureau Names XXXX and Experian To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, incomplete inconsistent, noncompliant, and false information about me. I have sent in letters asking for validation and verification of the debt how the debt was verified and validate what supporting documentation was supplied to validate and verify the debt who verified and validate the debt and nothing was supplied by XXXX or Experian WHICH VIOLATES 15 USC 1681 FCRA REQUIREMENTS. The following alleged account is listed as a collection with a PAST DUE BALANCE of XXXX balance owe XXXX as if XX/XX/XXXX with Experian and XXXX past balance XXXX with a balance of XXXX XXXX XXXX ALLEGEDLY OPENED XX/XX/XXXX. This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX  COMPLIANCE regulations, I have the right to a fair consistent, complete and accurate credit report, and you are required to remove any information that is not true, accurate, consistent complete compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an proper investigation on this account and the laws it violated.There is also false inaccurate, incomplete and Inconsistent payment history balances past due balances both account which is also in violation of 15 usc 1681 and Metro 2 compliance regulations have been updated by creditor XX/XX/XXXX please see supporting documentations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. Here is the list of inquiries : XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Equifax : 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/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XX/XX/year> at XXXX XXXX  I sent US {$240.00} through XXXX XXXX via Sendwave but it has been three days today but my money has not been transferred. I have called them several times and they said they will fix it but still the money has not been credited to my receptions account. I actually sent these for my family for XXXX  XXXX. But still my money has not gone. They say they can't tell me the exact time and I have to be patient. Now I have been patient for three days. But its still processing.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit bureau , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information being reported includes a personal loan that was opened atXX/XX/XXXX on XX/XX/XXXXXX/XX/XXXX under the account number XXXX, as well as a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$33000.00}. These accounts have resulted in multiple fraudulent collections being reported on my consumer XXXX credit report. I have attached a copy of the consumer XX/XX/XXXX credit report which shows the aforementioned fraudulent items. I do not recognize the aforementioned loan or the collection account as reported. The aforementioned loan and collection accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned loan and collection accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer loan and collection accounts both are the result of identity theft and fraud
Product: Checking or savings account

On XX/XX/XXXX, I received a troubling alert from USAA indicating that my personal account ( last four digits : XXXX ) had been flagged for suspicious activity and subsequently restricted. This alert coincided with the deposit of a substantial check from the SBA, designated for my business, XXXX XXXX XXXX. Despite my persistent inquiries regarding the rationale behind this restriction, USAA has failed to provide a satisfactory explanation, raising serious concerns regarding compliance with the Georgia Fair Business Practices Act ( XXXX XXXX XXXX XXXX ), which mandates that financial institutions engage in fair dealing and transparency. 
On XX/XX/XXXX, I received an email stating that my account would be closed and that a check reflecting the remaining balance would be mailed to me. To date, this check has not been received. Following this notification, I have made countless attempts to communicate with USAA, only to encounter conflicting responses regarding the status of the funds and the reasons for the account closure. On XX/XX/XXXX, I received an email from XXXX XXXX of the USAA Fraud Investigations Team, requesting additional documentation to verify my business ownership. I complied immediately, providing all necessary documentation, including my Employer Identification Number ( EIN ), IRS Schedule C, SBA loan agreement, and confirmation that my business was in good standing during all pertinent interactions with USAA. 
Despite my proactive measures and the provision of comprehensive proof of my legitimate business status and the origins of the funds, I have yet to receive a substantive follow-up or resolution from USAA. This lack of responsiveness not only contravenes consumer protection laws but also undermines my ability to effectively manage my business operations. The Consumer Financial Protection Bureau ( CFPB ) emphasizes the necessity for prompt and equitable resolutions in financial disputes, and I trust that this report will facilitate the immediate intervention required to rectify this matter. I am attaching all relevant documentation to this report to substantiate my claims and expedite a swift resolution. 
Failure to address this matter promptly will result in my filing a federal lawsuit to seek redress for the violation of my rights under the applicable laws, as well as any consequential damages incurred as a result of this debacle.
Product: Mortgage

XXXX XXXX, Vice President with Caliber Home Loans response to CFPB # XXXX is that Caliber Home Loans have not violated any servicing guidelines on my loan. Caliber also claims that Caliber has already provided me with supporting documentation and/or  clarification relating to XXXX XXXX. When in fact all of the supporting documentation that I have received from Caliber to date supports that she was/is an employee of XXXX XXXX XXXX XXXX. aka Caliber Home Loans and/or XXXX XXXX XXXX. To date I have received no supporting documentation that XXXX XXXX had power to execute on behalf of XXXX XXXX XXXX., XXXX XXXX XXXX of North Carolina or XXXX. Furthermore I do n't have documentation that she had power from Caliber Home Loans either, because she is not listed on nether one on the Certificate Of Incumbency that I have on file for Caliber Home Loans. I only have documentation that she worked for XXXX. XXXX XXXX. I have never been notified by XXXX or XXXX that my servicer changed to XXXX XXXX XXXX XXXX. If Caliber or someone would deeply Investigate th is matter, I am sure we can bring it to a resolution.
Product: Student loan

Good afternoon. 

My name is XXXX XXXX. MOHELA services my student loan. I have been in repayment for a bit now, but their communication is basically non-existent. I have messaged them multiple times regarding a couple of different issues and they will not get back to me. I understand they are likely overwhelmed, however my wife and I have had loan servicing ( before moving to MOHELA ) through XXXX  and it was such a pleasant experience there before being moved. If this is how they handle customer service, I believe something should be done about it. 

Thank you.
Product: Credit reporting or other personal consumer reports

I paid off an open collection with XXXX Account XXXX XXXX on XX/XX/year>. The company has not updated or reported to the credit bureau that I have paid this debt. Ive disputed it once and they said it was accurate and I currently have this open again as a dispute and it still has not been changed this going on nearly XXXX days
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX, Account number XXXX, Amount XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Amount XXXX -- Inquires XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX Chapter XXXX Bankruptcies on my credit report with Experian and XXXX. 
XXXX was filed in XX/XX/XXXX. I got a letter from the Bankruptcy Court in XX/XX/XXXX, and I told them that this was not mine. They dismissed it. 

In XXXX of XXXX, another case was apparently filed. I never knew about it because I had moved out of XXXX That case was dismissed in XX/XX/XXXX. No paperwork was ever filed, and no debts were ever provided to the court, there are no creditors. I never had any debts or issues where I would need to file bankruptcy. 

I was the victim of major identity theft in XXXX and I have removed all of the fraudulent items on my credit reports with your help. XXXX items to be exact. XXXX has a fraud alert and they are aware of the other fraudulent charges that were removed, as does Experian. 

When I ask them to block these XXXX items according to XXXX XXXXXXXX ( XXXXXXXX XXXX section XXXX ) they refuse. They say they validated and verified the items with XXXX. When I ask them to verify the Public Record in multiple letters and request documents to verify these items and the names and phone numbers of who they spoke with at the court, the actual finisher of the data, they respond with XXXX. I contacted XXXX and asked them for the same details, they responded with it is listed on XXXX. I responded with, I do not care where it is listed, I want documentation. No response. I contacted the Bankruptcy XXXX and they sent me a letter confirming that they do not supply information to the credit reporting agencies. They also state that they can not confirm the existence of these items. They have no jurisdiction over credit reporting agencies, the XXXX XXXX XXXX section XXXX does. They suggest I contact the XXXX XXXX XXXX XXXX XXXX. I did. I filed another identity theft report and sent that to the XXXX XXXX  No response. I have disputed these items at least 6 times with each XXXX including XXXX. I was under the impression that to verify an item as legitimate on a credit report, the XXXX has to, after they waste everyone 's time with XXXX, actually contact the furnisher? Am I wrong? If they do not, must they remove the item? They claim a wage earner plan filed, I would love to see it, it can not exist. 

In the meantime, I have been denied credit, charged outrageous fees, and interest all due to these fraudulent items, both due to fall off in less than a year. I am the CEO of a company that is funding a new factory in New Hampshire for {$120.00} XXXX. I am also a XXXX XXXX owner of that company. I can't tell you just I have had to explain this to the investors and how annoying this has been. If there is no way to resolve it, what a great way to attack your rivals in business, just file bankruptcy in their names, in a different state, and the names of the collection agency owners and the CEO of the XXXX XXXX. I assume that would be illegal, yes? 

I am unable to figure out what to do next. Short of having my law firm sue everyone. Please advise me on how to resolve this never-ending nightmare. 

Thank you, XXXX XXXX.
Product: Debt collection

cavalry portfolio services continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XX/XX/XXXX and they were listed as a creditor on XXXX of the bankruptcy petition filed XX/XX/XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX  XXXX  XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 12. The inquiry was not authorized XXXX INSTALLMENT Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 15. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 19. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 21. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 22. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) 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 or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I had two recent transactions that were refunded to my Chase Sapphire Reserve Credit Card. the first was from the merchant XXXX for {$130.00} on XX/XX/XXXX. the second was from the merchant XXXX XXXX for {$2000.00} on XX/XX/XXXX. Both transactions were shown as pending in my Chase Sapphire account but are now completely gone. I called Chase and they have no record of the refunds. I also spoke to both merchants who have confirmed with proof that the transaction was completed on their end. I am not sure what to do at this point as no one seems to be able to help me, and this is a large sum of money for me that I need back in my account. Please let me know what to do from here.
Product: Credit card

This account is not mine. My identity was stolen. Under the fair credit reporting act my rights as a federally protected consumer has been violated Account opened XXXX
Product: Debt collection

I went into the emergency room for an emergency XXXX I had. I was never seen, they told me that I couldnt be seen because I had no insurance then he told me to sign some papers and I was laid out to door!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/23 to remove inaccurate credit information. After 30 days of no response, I followed up with another letter on XX/XX/23, and still no response. I plan to send a third letter this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been months since I found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Arvest Bank has failed to honor their Get XXXX bank bonus program even when I have successfully met the qualifying criteria each month to get the bonus. The bonus promo reads as follows ( my comments are in the square brackets for each criteria )... 

Once your account is opened, you will be eligible to earn up to three {$50.00} bonuses. Simply complete these steps during each statement cycle : - Open a personal checking account with the required minimum deposit [ YES I opened on XX/XX/2023 with {$50.00} opening deposit ] ; AND - Set up a qualifying direct deposit OR automatic payment OR recurring debit card transaction [ YES I setup a recurring debit card transaction that is sourced from XXXX in the amount of {$1.00} each that posted to my account automatically on XX/XX/2023 and XX/XX/2023 ; I also setup another recurring debit card transaction thru XXXX in the amount of {$0.00} each that posted to my account automatically on XX/XX/2023 and XX/XX/2023 ] on your account ; AND - Make eight ( 8 ) purchases with your debit card [ YES I made XXXX purchases on XXXX in the amount of {$1.00} each on XX/XX/2023 and another set of XXXX identical purchases on XX/XX/2023 ] Each {$50.00} bonus will be credited to your new personal checking account if all requirements are met by the end of your monthly statement cycle. To make it even easier, you have up to six statement cycles to earn the full {$150.00}. 

You must open your new account by XX/XX/2023 to be eligible for this exclusive offer. [ YES account was opened on XX/XX/2023 ] [ I have received none of the three {$50.00} bonus payments that I successfully qualified for to receive ]
Product: Checking or savings account

I deposited a check I received and it was returned for fraud and my account was closed.