23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received a letter in the mail from a collection agency XXXX XXXX XXXX XXXX that states that are representing on behalf of Simple Fast Loans. I asked them to validate this account as I have never heard of this creditor and they sent me a bill stating that I owe them {$1000.00}. I looked this company up and they do not have a license to collect in the State of Tennessee. Please delete this collection agency from collection or reporting on my Experian, XXXX, or XXXX credit report if it is reporting.
Product: Student loan

I was contacted by Ameritech Financial about refinancing my student loans. I was told that if I paid {$200.00} a month I would have a considerable amount taken off the principal of my consolidated student debt. I went through the process on the phone and asked the representative if there were any further required actions in order to begin. I was told no. That I simply had to make the payments and my debt would be reduced. 

Weeks later I started receiving emails from Ameritech requiring further documentation to continue receiving their services. This had not been disclosed at the time I signed up but money was already being taken out of my account for several monthly pay periods. 

There was no phone number provided to contact someone at Ameritech for explanation of the further information needed. Ive still been receiving the same email every week for the past year or two. 

I feel that Ameritech stole hundreds of dollars from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate 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

I am appalled by the lack of responsibility on your behalf. When will XXXX going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. This CFPB Complaint will be my XXXX CFPB complaint to be submitted requesting the removal of the disputed accounts completely from my Credit file. Under the provisions of the Fair Credit Reporting Act, I am requesting that the Credit Bureaus remove the disputed accounts completely from my Credit File. The Following accounts were already deleted from the other Credit Bureaus, and I need these items completely removed from my Credit file. 
XXXX. XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH, XXXX Please see attached the debt validation letter and the cease and desist that was sent to HMC Group back in XXXX. HMC Group has failed to send any form of validation after it was requested by I, XXXX XXXX, the consumer who is in fact a natural person, original creditor, lender, executor, and administrator. HMC Group has also chosen to disregard the cease and desist which was sent to them. I, XXXX XXXX, who is the consumer and original creditor am the only one who is able to validate this alleged debt as said so by congress under the FDCPA, 15 USC 1692g. Both HMC Group and Experian has and continues to invade my individual privacy, as congress has said so under the FDCPA 15 USC 1692 ( a ). There is no law that says a debt collector or consumer reporting agency MUST report any information to a consumer report. The law DOES say under 15 USC 1681b that a consumer reporting agency can only furnish a consumer report in accordance to written instructions by the consumer to who it relates. I, XXXX XXXX did not give neither HMC Group or XXXX  any consent. No consent is identity theft. This is a communication and final notice to cease and desist and pursuant to 15 USC 1692 ( c ) ( c ) ( 2 ). I am invoking my specified remedy to : 1. XXXX out the balance of this alleged account. 
2. Delete any and all references to this alleged account.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4100.00} with   XXXX   and   XXXX   credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Mortgage

XXXX XXXX and Loan Depot assured all parties that the loan for the property in question had been fully approved without any further conditions, Under the agreement with the seller agent and the builder, the closing date was established and confirmed by XXXX XXXX  and Loan Depot, XXXX XXXX XXXX then requested an extent of closing date, stated Loan Depot needed more time to finish loan process due to the fact they had not received the survey and the Appraisal came in lower than the asking price, the seller agreed to extend, Right before the closing date I received a email asking me for additional documents which I submitted before the closing date, also was informed by the Loan Depot that this loan was conditional, after being reassured that there were nothing else needed before the closing date, I contactacted the XXXX XXXXr by phone with no call back on Friday XX/XX/2023, did not get a response or call back, on Monday XX/XX/XXXX I received a text from my agent stating the Seller had put his house back on market, due to the fact Loan depot and XXXX XXXX XXXX  informed them they still needed additional documents from Buyer, The Agent stated that loan Depot had assured them I had meet all conditions prior to closing and the closing date was firm, I believe this to be deceptive and misleading practice on behalf of XXXX XXXX XXXX XXXX XXXX  and loan depot, it cost me Time and money I paid {$650.00} for and appraisal and also I put up Earnest Money, The Seller has requested the termination of agreement due to this, XXXX XXXX XXXX XXXX on file # XXXX, Contact # XXXX, I have also requested a Denial Letter from Home Depot, have not received
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth complaint against my bank on a XXXX XXXX mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX XXXXn failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my XXXX XXXX XXXXoan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX. Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my XXXX XXXX loan submitted to the appropriate credit bureaus. Each time, I call XXXX they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX is not reporting nor showing all of my payments that have been made on my XXXX XXXX loan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX  at po box XXXX XXXX XXXX XXXX reporting on credit reports in amount of XXXX dollars. This account was charged off income doesnt get reported on credit report. According to IRS regulations 6050p charge off over XXXX dollars the company must issue 1099 c so I can pay taxes on it.
Product: Credit reporting

On XX/XX/2016 I received the results of my investigation. XXXX is updating invofation that does not belong to me consistently on my credit report. I notified them that I wam the victim of ID theft, and they have not provided me the results of how they verified my information. The other bureaus, XXXX and XXXX are reporting my information correctly and XXXX is choosing not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from XXXX XXXX at Great American Finance Company from the number XXXX at work a past due balance on a furniture bill that is {$110.00} and some change. I asked XXXX XXXX not to contact me at my job. He ignored my request and continued to tell me again that he was calling about my bill and that if I paid my bill then he would n't be calling me. I explained to him that I made a request for him to not call my job and the I will be reporting him to the FTC and XXXX XXXX 's office and his response was " do what you got ta do ''! He went on to say you should be paying your bills. I ended the call right there due to his harassment. He said XXXX blurb about the bill contents ; it was more so harassment due to me asking him not to call my job.
Product: Debt collection

On Wednesday XX/XX/XXXX I  received a notice from my XXXX XXXX account of a negative account from IC System inc. added. My credit reports and scores took a big impact from this account. I called IC System the next day and gave them my current address as I was asked for it to show proof of who I was. I was then notified the account was from XXXX. I contacted XXXX and was notified the account was opened on XX/XX/XXXX and closed on XX/XX/XXXX due to lack of payment. The address this account was attached to was an address I did not live at during the accounts life, I did live their prior but not during the account being open. I submitted paperwork and a police report to XXXX and was contacted by XXXX to complete a stolen identity packet. Today XX/XX/XXXX I received a collection notice from IC System inc. that was dated for XX/XX/XXXX, two days after I made contact with THEM. The notice said I have 30 days to file a dispute with them, only issue is, they already hit my account with this fraudulent account and are just now telling me I have the option to dispute the account. They are affecting my financial future and asking questions later. As far as I know, I am supposed to be given 90-180 days of my first notice before they attach this to my credit report. Why did it take them 13 months after the fraudulent account closed to make contact with me? I feel as though this company is responsible for this scam. I never received contact from them until I gave them my current address and this account didnt hit my report until 13 months after the account was closed. 90-180 days is 3-6 months, not 13 months. Something doesnt add up and IC System inc. is no help. I am not the only one who has had these issues with this company. They should be closed due to scamming many others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX  & they told me I've never missed a payment, yet XXXX, XXXX and TransUnion credit Bureaus refuses to update me from being listed as late starting on XX/XX/2022 to XX/XX/2022 on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX : {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account and inquiry made fraudulently on my Experian account. This is the third time I have disputed this item with Experian. 
I spoke with Somebody from Experian and they stated that they did not receive documents that I sent multiple times. 

Fraudulent Account, Name, Addresses & Inquiries include FRAUDULENT ACCOUNT XX/XX/XXXX - XXXX XXXX XXXX XXXX FRAUDULENT INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - FRAUDULENT NAME XXXX XXXX On XX/XX/XXXX I disputed an inquiry, incorrect names, and address made fraudulently on my XXXX account. 
This is the third time I have disputed these items. 

Fraudulent Inquiry, Names & Addresses include XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Incorrect Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit card or prepaid card

On XX/XX/XXXX, I rented a XXXX XXXX  from XXXX at the XXXX XXXX XXXX XXXX. I returned that car on XX/XX/XXXX to catch a flight. My flight was delayed multiple times and eventually I rebooked for the next morning. I returned to the XXXX desk and asked the same lady I had returned the car to, " Do you still have that XXXX XXXX? My flight has been delayed. '' She said, " Yes, but we haven't cleaned it yet, is that okay? '' I told her it was okay, I just had the car a few hours ago and it was my trash inside. She the completed the new rental transaction and handed me a contract folder with clear lettering that said " XXXX '' on it, my name, and the location of the XXXX. I have a picture of it for evidence. I noticed that the price she was charging me seemed high, but I considered maybe the price had increased, because their inventory of cars was low and I was only renting the car for 1 day. 

I returned the XXXX XXXX the next day, was handed a receipt, caught my flight, and everything seemed normal. I travel for work regularly and always rent from XXXX, and almost exclusively rent from XXXX since XXXX of XXXX. The only exception is the rare case when XXXX does not have a location nearby or is out of cars. Then my second choice is XXXX. 

Later that month, when checking credit card transactions, I noticed a charge for XXXX. I never rent from XXXX and thought this was weird. i noticed this was around the time I rented at XXXX XXXX XXXX XXXX XXXX. I then pulled out the final receipt from that transaction and in tiny letters in the upper left corner it said, " XXXX ''. I know that the lady working the counter manages both the XXXX and XXXX counter and she must have gotten confused. This also explains why the rate was higher, because I have a corporate discount code with XXXX, which is saved in my rental profile and should be automatically applied to every transaction. I also have an XXXX XXXX number and should have collected points for this rental. Her mistake for the wrong rental company incurred a higher charge and a loss of points, which have a financial value, because they can be exchanged for free rentals. 

I contacted XXXX at the XXXX XXXX XXXX XXXX twice and spoke to them in person once, when I passed through that airport again. Their staff appeared to be confused, undertrained, and unable to help me. I also filed a dispute with J.P. Morgan and explained the situation to them as best I can, with both a written statement, and a phone conversation. They have inexplicably sided with XXXX, a company I have never done business with and never will. I am now contacting the CFPB in an attempt to help resolve this issue with J.P. Morgan. 

I am included photographs of the original document that was handed to me that said, " XXXX '' and the final bill. Note, this is like me sitting down to eat a dinner at a XXXX XXXX restaurant, handing the waitress my credit card, and runs across the street to run my credit card through XXXX XXXX where she is also a waitress, and charges me a higher fee.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, an XXXX on XXXX, XXXX, messaged me saying her client wanted a portrait of me for {$2000.00}, and I would get 30 % of the money. She told me her client would email me the check, and I would have to deposit it and then transfer the rest of the money through XXXX. When I asked her why I had to transfer the money and deposit the check, she said it was because " my XXXX account isn't working. '' On XX/XX/XXXX, I received a check by email from XXXX XXXX ( the client ) for {$1800.00}. Once I deposited the check in my account, I thought the money in my account was secured, so I transferred {$1200.00} to a lady called XXXX XXXX, supposedly XXXX 's friend. A few hours later, she messaged me saying her client wanted to have another portrait of me for {$1000.00}. I proceeded to tell her I only wanted one painting done because transferring the money was too complicated. The next day I got an email from my bank saying the check was returned. I messaged XXXX but got no reply, and she deleted her account. She clearly knew what she was doing by taking advantage of my trust and manipulating me into sending her the money. When I checked my account, I had only {$110.00} left in my account, and I couldn't breathe. I didn't understand how my account balance went from {$2600.00} to {$110.00} within a couple of days. On XX/XX/XXXX, I immediately called the bank and was able to talk to a lady at Wells Fargo. I explained to her everything that happened, and she filed a claim to the Wells Fargo XXXX department and told me they would be investigating and asking me more questions within five business days. I also do not know if I can get any of my money back, and it terrifies me. Not only was I a victim of fraud I was also charged {$15.00} for a purchase I never made, so they had to cancel my account, and I am waiting to receive a new debit card. On XX/XX/XXXX, I went to the police station to try and file a claim that I was a victim of fraud however, the police officer told me, " since the fraud happened online, we can't do much about it, so you need to report to the FBI, and I am sorry this happened to you, but you are not alone. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( credit collection serv ) from XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an Auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ). 

that appears related to the aforementioned XXXX loan account opened at XXXX XXXX XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

I do not recoanize the atorementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the atorementioned accounts. collections. and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.