23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Letter from Selip & Stylianou , LLP states : I last paid on XXXX/XXXX/XXXX on a XXXX bill. I still owe {$1200.00} on balance. Also states : A court granted a judgement against me on XXXX XXXX, XXXX for {$2300.00} for same credit card. As this card is 15 years old, I ca n't remember if I even had this card. This Law firm says its going to freeze my bank account and take all my money.
Product: Checking or savings account

My local Wells Fargo is not accepting cash deposits, the agent said since XX/XX/2001 Wells Fargo no longer accepts cash deposits?! Since when?! 

I fought with the agent at the branch and she refused to place the {$3500.00} cash into my checking account
Product: Debt collection

I want to file a complaint with Credence Resource management for deliberately trying to reage a debt which is against the law! This is a collection agency that now owns an account for my old account XXXX XXXX XXXX.It was first reported late in XXXX by XXXX XXXX XXXX . It was eventually turned over to a collection agency in XXXX. In XXXX XXXX, i had filed for XXXX XXXX Bankruptcy which i had dismissed in XXXX. No-one other than my attorney received any payments from me from the bankruptcy. This is no reason to re age a debt to another 7 years! The original date of first delinquency must always carry over from the original creditor no matter who owns the debt. They put it on my credit report as a new charge off account which is not legal! This cost me 20 points on my credit report! This is against my rights under the fair credit reporting act! Also, they never sent me anything in writing on this debt which is required before adding it to my credit report which is also a violation of my rights! I have 30 days to review it and a right to dispute this information before it goes on my report. They violated my rights! This account must be deleted due to discrepancies and by not filing the law! I have enclosed all of the original bills from XXXX XXXX XXXX as proof of the original date of delinquency! Also, this bill has been in dispute for some time. I had went round and round with XXXX XXXX XXXX about the charges and unless they offer me a settlement, i am not willing to pay it. The bill is showing allot more than what i owe!!! 

Credence Resource management Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /  XXXX   I wrote to Experian regarding an inaccurate reporting of a collection account and asked them how they verified the item, since they said in their previous response they verified it. The answered with " PLEASE CONTACT CREDIT GRANTOR AT ... '' That is not a proper explanation of how they verified the information. This is n't a credit grantor either it 's a collection agency that did n't grant anyone any credit.
Product: Credit card or prepaid card

I kept receiving balance transfer checks from XXXXXXXX XXXX. I finally use one to pay off Barclay Frontier Master card. I didn't realize my limit on XXXX was {$1800.00}. I wrote a check for {$1800.00}. Barclay tried to submitted check twice. I was charges a {$27.00} NSF fee. I called Barclay to explain the situation and went online to change the amount to be taken from my checking account from {$1800.00} to {$490.00} because XXXX XXXX did a balance transfer over the phone. So I get a text from XXXX that my account is overdrawn making my balance XXXX. When I went online to change the amount. I didn't even owe on the account to Barclay. So they took out the {$490.00} and {$1800.00} and they will receive another {$1700.00} from XXXXXXXX XXXX. They will not refund the NSF fee of {$27.00} and now they have been over paid on my Barclay amount. I know it is my stupidity to use credit and balance checks but Barclay has been over paid. i have excellent credit. 

I also want to make a complaint to XXXXXXXX XXXX as well for sending me balance transfer checks to make sure use them. They will not reverse the transfer even though I told them Barclay XXXX out my account and their balance is paid in full. the supervisor I was talking to hang up on me and when I called back to ask for her name XXXX would not give it to me. I am so frustrated on the system. I was just being a smart customer to pay off my debt but I am being penalized for using credit card. I know there is nothing that will be done because you will say I am just a XXXX person for using credit cards and transfer balances. I don't think it is right on how I was treated by Barclay and XXXX.
Product: Credit reporting or other personal consumer reports

RE :XX/XX/XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX,XX/XX/XXXXXXXX Listed below are the Collections that are being challengedXX/XX/XXXXXXXX - XXXX XX/XX/XXXX XX/XX/XXXX*PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING XX/XX/XXXXN XX/XX/XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : After being released from bankruptcy, there was an attack on my finances. 1 ) During bankruptcy someone added their student loans to my account. I wrote the judge and Trustee 2 ) After being released my balance went from XXXX to over XXXX. I have NOT signed for any loans. I paid for school at XXXX XXXX XXXX XXXX. They wont correct that. I have NEVER signed for a private loan and I continuously see these small amounts like {$400.00} and {$600.00}. I asked in a dispute for the signed loan paperwork for all loans. I want an attorney to review all of them. I will not pay for some scrubs education. They one loan was for XXXX who attended some technical school. I have NEVER received a loan from ANY technical school. Recently I received a notice from XXXX saying a deposit was being made to my account from financial aid. I DO NOT receive financial aid ( have not for at least 10-11 years ).
Product: Credit reporting

I was the victim of an identity theft by my ex-wife. She was charged with the crime and convicted and received probation. When we separated she stayed at the residence. She became involved with another person and they applied for credit everywhere using my identity and she wrote thousands of dollars in bad checks against our closed joint account. She started out making an attempt to actually pay the bills because she did not want to get caught. She told the judge that she had intended on maintaining the fraudulent accounts so she could have the credit, but she was afraid getting caught would affect our custody battle for my child. She was charged with the crime and made a plea deal admitting to stealing my identity, writing thousands in bad checks and fraud. I have gone back and forth with primarily Experian about this for years even providing them with proof that the identity theft occurred. I am the victim and I 'm still dealing with this, she is the criminal and got 18 months of probation. When Experian investigated it they said the accounts were set up from an address on my report ( I left the residence to her ) and also noted that some payments were made at first on the accounts which she admitted doing to the judge because she did n't want to get caught and was afraid she 'd lose custody of our child if she got caught. All of this is on record with the Superior Court of XXXX XXXX Georgia and the police department. Long ago I actually sent Experian a letter from the prosecutors office supporting the identity theft and still Experian did nothing to remove these identity theft accounts
Product: Credit reporting or other personal consumer reports

Subject : Revocation of Consent and Assertion of Rights under Fair Credit Reporting Act ( FCRA ) I am writing to you to assert my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations concerning the handling and dissemination of my private information. 

As per 15 USC 1681 section 602, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Moreover, 15 USC 6801 underscores that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish consumer reports solely in accordance with the written instructions of the consumer. I want to clarify that neither XXXX, XXXX, or Equifax nor any financial institution, including XXXX XXXX or XXXX, have my written consent to furnish my information. Any previous forms of consent, whether verbal, non-verbal, written, or implied, are hereby revoked and issued to cease and desist immediatly. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to exercise nondisclosure options, which has not been adequately provided by XXXX XXXX or XXXX. Additionally, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, which is clearly being violated in this case.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, entities are prohibited from furnishing inaccurate information to consumer reporting agencies and must maintain reasonable procedures to avoid violations of FCRA.

Finally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, which I am exercising now. 

Therefore, I demand that XXXX, Equifax, XXXX and XXXX and XXXX XXXX cease any further dissemination of my information and take immediate steps to rectify any inaccuracies in their reporting. 

Please acknowledge receipt of this letter and confirm in writing the compliance with my requests within 15 Days. 

Thank you for your prompt attention to this matter.
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 Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$3000.00} XXXX BANK XXXX BALANCED {$6400.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX  BALANCED {$8400.00} XXXX XXXX XXXXXXXX BALANCED {$14000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$17000.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Mortgage

To whom it may concern, The client XXXX XXXX who is currently being serviced by Shellpoint mortgage is in foreclosure seeking assistance and we feel as though her file is being improperly handled and also not being properly reviewed by the investor for home retention options. The file has been denied for a failed NPV test in which they are setting the NPV guidelines to something no client would be able to match. This client has an absurd interest rate of 12 % and has asked for a reduction in rate if possible along with an extension in terms as the client experienced a loss in income as her hardship and fell behind in her monthly payments to the lender. We are asking the file be reassigned and reassessed as we feel the client does qualify for assistance at this time. 

Thank you
Product: Money transfer, virtual currency, or money service

Moneygram, again deactivate my account to denied me to pay my creditor I timely, matter I have contacted them about this on XX/XX/2018, at XXXX And they refuse to reactive my account. I was speaking to Foreign personnel about this and they claimed that they understand but yet their hands are tied in fact I know the last person I speke can reactive my account all he said was he just filling the intercompany complaint. that will be no go.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint to formally request the Consumer Financial Protection Bureaus assistance in addressing severe inaccuracies and inconsistencies on my credit reports from Equifax, XXXX, and XXXX. As a victim of identity theft, these errors are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also cause ongoing financial and reputational harm.

Background 1. Identity Theft and Unverified Accounts I am a victim of identity theft, as evidenced by my submission of an FTC Identity Theft Report. Following the Equifax data breach, I identified unauthorized accounts and transactions on my credit reports. These accounts were fraudulently opened and are not mine. Despite my timely disputes, these items remain inaccurately reported.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I requested that fraudulent accounts be blocked from my credit reports. Under this section, credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate documentation. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that consumer reporting agencies must comply with the statutory requirements of the FCRA once a dispute is filed. The failure of the bureaus to comply with this obligation violates my rights under federal law.

2. Inconsistent and Inaccurate Reporting My credit reports contain discrepancies that violate the accuracy requirements under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of the information they report. For example : Certain accounts appear on one bureau but not others.

Account balances, statuses, and dates are inconsistent across reports. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that consumer reporting agencies could be held liable for failing to ensure the accuracy of reported information, particularly when such inaccuracies harm the consumer. These inconsistencies and errors violate my statutory rights and have directly impacted my creditworthiness. 

XXXX. Failure to Investigate Disputes I have disputed these inaccuracies multiple times, yet the credit reporting agencies have failed to conduct reasonable investigations as required under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court emphasized that a consumer reporting agencys investigation must be thorough and reasonable, particularly when the consumer provides evidence to dispute the validity of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX XXXX ( Beneficiary ), am making this complaint on my free will and accord. No third party is involved in making this record of complaint. 

I XXXX  : XXXX, ( Beneficiary ), consumer, natural person and original creditor to an open end credit plan for XXXX XXXX XXXX ( Trust ens legis ) was harmed by the damage of my credit worthiness with the reporting of inaccurate information in my consumer report by TransUnion. Communication was made in the form of a verbal dispute followed by a confirmation in writing of the said dispute of information. I am aware as a consumer TransUnion is civilly liable to me for the damages caused by the inaccurate information placed on the report pursuant to 15 USC 1681n up to { {$33000.00} }, and I expect them to compensate me for said damages as they have personally given confirmation of the damages via the removal of inaccurate information.
Product: Debt collection

{$60.00} is the amount owed. I sent them a validation letter and they sent me back copies of paperwork that has not my name, social or signature. It has someone else 's name, social security number, insurance information and signature. I am only listed as an emergency contact.
Product: Debt collection

A man Named XXXX XXXX phone number XXXX called my Mothers phone who is not even listed on my account nor had permission to talk to my mother told her her sent me certified mail, wanted to know my information and even told her my Social security number. This may very well could not have been my mother but a stranger he talked to not knowing giving my personal information to. My mothers name, phone number or any information was not linked to my account. 

After hanging up with my mother he called my XXXX year sons phone left a detailed message on his voice mail that states his name not mine yet again he left my personal information on a 40 second voicemail about certified mail, debt collection needing a call back left 2 names and again the last 4 of my SS #. 

This is a direct violation of anyone rights. The dept collections process should not have happened at all. I fill like my information is just being handed out to anyone and everyone by this company. None of the people they have contacted where on my contact list nor did i give them phone numbers of the people they have contacted. I am now worried they are calling people at random giving my private information out to them.
Product: Credit card or prepaid card

I applied for Barclays Arrival Plus Mastercard Credit Card on XXXX. 
Barclays collected all my confidential information ( Social Security Number, Date of Birth, Address, etc ) and pulled my credit report ( hard inquiry ) They now sent me a letter asking for the following information : a ) Proof of Address b ) Copy of Drivers license c ) Copy Social Security Card d ) Copy of Utility Bill This is a XXXX bank perpetuating fraud in US and collecting vital and sensitive information of US Citizens.