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

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

I recently noticed a hard inquiry on my credit report made by Capital One Bank. The inquiry may have reduced my credit score substantially. I had no idea why the inquiry was made so I contacted Capital One Bank. They said it was due to an application for a Platinum credit card, which they had denied for lack of additional information requested from the applicant. I, myself had never filed any application for a credit card through Capital One Bank. I assured Capital One Bank that the application was not done by me and was fraudulent. I requested they remove the inquiry made against my credit report and they agreed it appeared fraudulent being done online and the applicant not being able to supply the additional information requested by Capital One Bank. They assured me their inquiry on my credit would be deleted and a fraud investigation would be undertaken and any decrease in my credit score would be reversed. They also asked me to file a victims report with the three credit bureaus, XXXX, XXXX and XXXX but I had trouble finding the right documents to file at the three credit bureaus so I am requesting CFPB help me in making the complaint in filing a victims report of fraud with the three credit bureaus as requested by Capital One Bank. The inquiry by Capital One Bank was done on XXXX XXXX, XXXX. The application was attempted fraud by persons unknown at this time and not filed by me, XXXX XXXX. The Capital One Bank associate was very helpful in explaining to me why a credit inquiry was done at which time I assured her, the application for a credit card she just revealed to me was not done by me and indeed fraud. I was told the undertaken investigation and its results would be shared with the credit bureaus and me and Capital One Bank would immediately withdrawal their inquiry which very possibly had reduced my credit score as much as 30 points. I am filing this complaint as requested by Capital One Bank as a victims report of fraud to be forwarded to the three major credit bureaus. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 at XXXX I received a phone call from someone claiming to be a representative from XXXX XXXX XXXX and said power would be shut off if payment wasn't made in the amount of {$360.00}. All utilities are in my roommate 's name, but she is changing over into my name as she is moving. I thought this phone call was in relation to that and that I needed to take care of it right away! The rep was stressing that he had a technician there ready to shut off power. 
" XXXX XXXX XXXX '' requested payment be made immediately via XXXX, which I did. As soon as I hung up, I realized that I had probably been scammed. I called the phone number the representative gave me for the billing department, and a woman answered and had no idea what I was talking about. 
I called my bank ( Bank of America ) right away and explained what happened. I asked them to suspend/cancel the transaction as it was still " pending '' and they said they could not stop it. I filed a complaint and a request to have my account credited in the full amount. BofA said they would investigate, but since I authorized the transaction, they probably couldn't get my money back. BofA said investigation would take about 10 days.
Product: Debt collection

On Wednesday XX/XX/2021 XXXX XXXX of Contract Resolve Group, LLC called to collect a debt. When we asked for verification of the debt he said he would send verification by sending a personal agreement letter. The letter they sent was fraudulent and not signed in person or via email by me or my wife. They proceeded call us XXXX, threatened to go to the IRS, take us to court and call us other names via email. All while sending these emails and having communication with our daughter. She is has nothing to do with this matter and she is being harassed via email by XXXX XXXX and verbal assaulted by XXXX XXXX. XXXX XXXX told her he was " going to come get her XXXX and XXXX '' that he was " going to send people to NJ for them '' and said he had XXXX. No formal police were contacted. We have not yet sent a cease and desist letter but we will to day.
Product: Checking or savings account

There are a lot of the transactions but mostly transactions or hold that I didn't get put back into the account I have a lot of XXXX XXXX and XXXX transactions that I did not use and I have other unauthorized charges that happen on my card and wisely pay when I helped me because they said the transactions are older than a year but I've been through a lot in a year with losing family family catching XXXX lost my own family my job my car my place I've been in the XXXX that I finally upheld and I know it has been a little bit of time but I don't think that is right especially with me not even being able to file disputes with me not even being in the right State of mind at the time
Product: Money transfer, virtual currency, or money service

Used a XXXX transaction through my bank, Fifth Third Bank and was scammed for {$900.00}. Filed a dispute and the bank closed it because they could not refund the exchange. 
There is no warning on the XXXX app or through my bank to not use the app for receiving payment when selling an item to a stranger. 
I want a refund from either the bank or XXXX as I am on a fixed income and can not afford to lose any money.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 called the agency and was told to log in online and submit a dispute. Still today no update. 

XX/XX/2023 submitted another dispute and still no update. 

XX/XX/2023 submitted another dispute no update. 

XX/XX/2023 submitted another dispute no removal.
Product: Credit reporting or other personal consumer reports

PLEASE PROVIDE ME WITH THE METHOD OF VERIFICATION AND THE PROCEDURE 'S DESCRIPTION WITHIN 15 DAYS. I WANT ALL OF THE DOCUMENTATION THAT YOU RETRIEVED TO RENDER YOUR INVESTIGATION THAT THIS INFORMATION IS REPORTING ACCURATELY. IF YOU CAN NOT PROVIDE THIS INFORMATION TO ME IN 15 DAYS, PLEASE DELETE THIS INFORMATION FROM MY CREDIT REPORT. 15 USC 1681i ( a ) ( 6 ) ( iii ) ACCOUNT IS FOR XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account has violated my rights 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section. 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my complaint is against XXXX XXXX and Equifax. I have contacted these companies since XX/XX/2020 about accounts that do not belong to me. They have never respond to me at all about these accounts listed below. 

1. XXXX/XXXX  2. XXXX  XXXX/XXXX  2. XXXX XXXX  PLEASE HELP ME TO REMOVE THESE ACCOUNT FROM MY CREDIT REPORT. 

THNAKS
Product: Credit card

I attempted to pay off my remaining balance 1 day prior to ita due date and it was an issue with after pay and the XXXX  service. The money was taken off my card but the company never recieved it. I had to make an additional minimum payment on the day it was due. Afterpay decreased my limit within hours and will not return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would to OPT OUT of the following agencies : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Lexis Nexis XXXX XXXX XXXX
Product: Debt collection

Since the month of XXXX, the company Sequim Asset Solutions, address XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, has been making constant calls to me, sending me correspondence, inquiring into my credit and social security information, charging the amount of {$190.00} under the Reference number XXXX. This has affected my credit history and they send me an alert that a fraud page is inquiring into my credit. I was investigating on the Internet and this company, which I have no knowledge of, is dedicated to committing fraud with people by collecting money and inquiring into people 's credit. I need action to be taken on this matter and this company to be removed from my credit. They have even offered me % XXXX and % XXXX to lower that amount and make me pay a debt that I am not aware of. Please carry out the necessary investigation to resolve this fraud.
Product: Debt collection

Llyod & McDaniel purchased a debt from XXXX Bank in XXXX. The alleged debt was opened in XXXX and the last payment was made in XXXX. The debt was charged off by the company. I had no knowledge of alleged debt at the time and did not pay attention to credit reporting, if it was there. I went to court and advised plaintiff that the debt was not mine. Judge ordered fraud packet, which I completed, however they are claiming the debt to be mine and they are pursuing further actions. This is not my debt, and I would have never charged this amount at this specific store, and I still have an account with the store. They are not producing any proof, other than a statement with a different address than mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equiafax, XXXX Are reporting items that are old that were included in a chapter XXXX bankruptcy some accounts are closed with a XXXX XXXX5 years old.
Product: Debt collection

I received a notice from my XXXX account about a collection being reported to my credit report on XX/XX/XXXX. I attempted to contact the company, Paragon Revenue Group, on XX/XX/XXXX, as I had received no notification about this debt. I called the number listed for the company on the XXXX collections notice, because I did not have any paperwork from this company about a debt. The person I spoke to immediately asked for my social security security number, when I refused to supply it she got hostile. I attempted to call back and speak to someone else. Second rep asked for my social security number again, when I refused to give it to her she asked for my account number. I explained I do not have an account number because I had not received any information about this debt. She then hung up. I called back asked for a manager, I was put on hold and hung up on again. I filed a XXXX  complaint. Through the complaint the company 's response was that I would receive formal notice of the collect attempt. Since XX/XX/XXXX, this company has filed 2 notices of non-payment, and 2 notices of account in collections to my XXXX credit report. The original amount listed on my credit report for the debt was {$150.00}, now it is {$300.00}. I still have not received any formal notice from this company.
Product: Student loan

I have been waiting for my PSLF overpayment refund since XXXX  ( almost 8 months ). Mohela 's policy is to process refund within 90 calendar days. Mohela has had payment history in their from my prior servicer ( XXXX  ) in its system since XXXX. 

Prior Consumer Protection Bureau complaint ( submitted XX/XX/XXXX  ) Complaint ID XXXX Mohela responded in their portal : " Our records indicate, that there are no pending refunds at this time. '' Prior FSA complaint ( filed XXXX  ) XXXX  Case # XXXX As recently as XXXX XXXX, XXXX  " MOHELA is missing the financial histories from XXXX. We can confirm a request has been submitted to obtain the financial histories from XXXX. Prior servicing refunds typically take 60-90 business days when MOHELA has the prior servicing records. '' This is not the case, according to their own records, Mohela has my Advantage payment history. There is currently an XXXX  refund request in progress as of XXXX XXXX, XXXX  ( reference # XXXX ). 

Furthermore, Mohela violated the California Student Loan Servicing Act by failing to process and furnish a complete loan servicer payment history ( requested XX/XX/XXXX  ). This request was canceled inexplicably. 

Mohela should expedite my XXXX  review and immediately request the U.S. Treasury Dpt. to refund the overpayment amount due ( approx. {$7100.00} based on the balance increase I saw before my loans XXXX  out ).
Product: Mortgage

In mid XXXX I was told by my lender that I would have to get a 6 month lease with an apartment complex in the city that I wanted to get a home in in order to prove that I could live on my own and handle a mortgage. I live with my mother. I asked my lender why they did not mention this in the beginning of the application process, before I paid {$400.00} for a property inspection and wired my earnest money to the seller 's agent, the lender just laughed and said it was the underwriter that said I had to get a lease for 6 months. I believe the underwriter chose to put this erroneous requirement on my application because she had no other reason to deny me. My credit is above a 700, I have over {$10000.00} in cash for down payment, and I have been gainfully employed for the past 2 years. I believe I was told to get a 6 month lease in the city I want to live in because I am XXXX XXXX. I believe that if I was a XXXX applicant, the underwriter would have approved my mortgage because I asked my XXXX  friends if they ever heard of having to get a 6 month lease to get approved for a mortgage and they said no, they had never heard of that as a requirement.
Product: Checking or savings account

I deposited XXXX for a sign up bonus and they never credit me the {$750.00} sign up bonus.
Product: Debt collection

AMERICAN PROFIT recovery is trying to collect a debt from me that I dont owe and they never send me a mail to my address or notify me that I can dispute the debt account number is XXXX now they damage my credit report and my mood living and my credit worthiness they also doesnt register or have a licenses to collect debt from me because Im located in XXXX  and XXXX require a license to collect debt they need to remove this collection from me credit for fraud and also proper credit reporting laws that they didnt comply with else I have to take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to all 3 major consumer reporting agencies. 

XXXX Experian XXXX The accounts and inquiries in question are below. 

XXXX specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX Federal law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report.

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


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  - Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To : Selene Finance LP XXXX XXXX XXXX XXXX, TX XXXX We are writing this letter to find out what can I do to resolve my issues with my current mortgage lender Selene XXXX . 
The bank is withholding our money. At the beginning of XX/XX/2021, I called the bank and talked to customer service, explaining our situation and what was going on with our finances. I told Customer service that I can start making double or a payment and half, until we are able to catch up with the balance I own. The bank never ( not even once ) objected, so I proceeded and send Selene Finance {$2400.00} dollars in XX/XX/2021. In XX/XX/2021, we received a check from the bank for the same amount, I originally send to them with a letter claiming that they us to pay the full amount. I called the same day and explain the situation my husband and I are experiencing and the bank agree with us to make an agreement we can catch up with what I own and start brand new, making payments. So, we agree with the terms of the bank and they told me that I need to make a payment of {$2400.00} first payment and then {$1700.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then in XXXX our regular payment of {$1200.00}. We also agree that they were going to send me a letter with the agreement and the bank never did. In addition, the bank also agree to returned the {$2400.00} I originally send to them in XX/XX/2021 for the amount of {$2400.00}, which they never did. I called several times and every time, it was a different agent with different excuses. The last person we called said that the bank was going to hold my money for 90 days with no explanation. I told her that I need the money to keep paying them and hold my agreement because we leave paycheck by paycheck and we were not going to be able to come up with another payment of {$1700.00} so fast. My calls to the bank were always blank with empty promises and excuses. So far, the bank has in total {$2400.00} first payment, withdrew from my bank on XX/XX/XXXX of XXXX my second payment made in XX/XX/XXXX for another {$2400.00} for a total amount of {$4200.00}. Also, to clarify the check the bank mailed to me the first time was not remit to me, see copy of the check and letter so I was unable to change the check and that was the reason why I returned the check to the bank ; so they can correct the check and send it to us again or transfer the fund to my bank. The bank agree on XX/XX/XXXX, that they would transfer the fund or mail the check and none has been done. Furthermore, the bank is charging fees that I don't know and this is very confusing to us. I dont know where to go or whom do I have to call or contact regarding my money and the issues I'm having with the bank. Please let me know what to do and what can you do to help me solve this problem. Thank you. 



Sincerely, XXXX XXXX XXXX and XXXX XXXX