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

XXXX XXXX XXXX violated my rights In accordance with the Fair Credit Reporting Act, under 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 an account without my written instructions. XXXX has also violated the California Consumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided XXXX XXXX ( XXXX ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. XXXX also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies ; namely, Experian and XXXX. XXXX has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, XXXX failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in Placer County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to XXXX a properly indorsed and endorsed note, giving it value, for XXXX to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from XXXX. XXXX is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
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 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} - Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} - XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was incarcerated for years and upon my first year home, I started receiving bills Ashley furniture. Id purchased furniture from a few places and thought that XXXX was maybe the parent company of XXXX of the others. After months of paying the bill I discovered that XXXX wasnt the parent company of any stores I dealt with. My info had to have been hacked. Ive XXXX for the above to no avail. Ive also attempted to have the XXXX off removed, also to no avail
Product: Credit reporting or other personal consumer reports

Im a victim of fraud I have filed with the FTC
Product: Money transfer, virtual currency, or money service

I TRANSFERRED BITCOIN INTO MY COINBASE ACCOUNT ONXX/XX/XXXXIT USUALLY TAKES 6 CONFIRMATIONS AND MORE OR LESS AN HOUR TO HAVE IT AVAILABLE OVER 12 DAYS HAVE GONE BY AND OVER 2000 CONFIRMATIONS. MY CURRENCY IS WORTH XXXX USD AND I CAN NOT ACCESS IT!! 
THE TRANSACTION SHOWS PENDING!!!! 

I HAVE EXHAUSTED EVERY RESOURCE TO CONTACT THIS COMPANY CALLING EVERYDAY TO THEIR CUSTOMER SUPPORT AND EMAILING WITH NO RESPONSE!!! 

THIS IS A COMPLETE FRAUD!!! 

ALL I WANT IS MY MONEY!!!! 

PLEASE HELP
Product: Credit reporting or other personal consumer reports

There was a loan through Santander Financial that was " written off '' / " charged off ''. Since this happened and the company has not been forthright with the financial statements that pertain to the customer. I ask for copies of the XXXX form they would have had to file pertaining to this account. Since this information has not been provided I can only assume these are fraudulent acts and are to be investigated.
Product: Credit reporting or other personal consumer reports

credit report includes transactions I do not recognize. 
XXXX XXXX XXXX XX/XX/year> THIS INQUIRY WAS NOT MADE BY ME OR DID NOT APPROVE IT XXXX XXXX XXXX XX/XX/year> ACCT HAS BEEN SETTLE WITH COMPANY XXXX XXXX XXXX - XX/XX/year> THIS WERE NOT INQUIRIES MADE BY ME OR DID NOT APPROVE IT XXXX XXXX XXXX WERE NOT INQUIRIES MADE BY ME OR DID NOT APPROVE IT.
Product: Checking or savings account

On X/X/2017 I was issued a credit by a previous renters policy cancellation paid on a previous SunTrust debit card for XXXX. SunTrust is legendary for playing hide the refunds with my previously closed debit cards. This is why I no longer bank with them. Another case of money not credited. The insurance company has informed me that SunTrust did not inform them the account was closed. So, once again SunTrust has attempted to steal more money from me. <P/>Agent XXXX claiming she is n't aware of the card I 'm referring to. Call on X/XX/2017 she says my current claim will probably be denied because I do n't have the full card number. <P/>XXXX was refusing to listen or help in any way. As usual another wasted 30+ minute phone call. They ca n't even find the card I 'm referring to. They do n't know anything about anything.
Product: Money transfer, virtual currency, or money service

There were several occasions where I was promised money was going to be delivered by a certain time and it was not. Sometimes it took days to resolve.
Product: Credit reporting or other personal consumer reports

I am writing to you again to dispute the accuracy of certain accounts on my credit report. In my previous communication, I raised concerns regarding the inclusion of accounts associated with XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. I am disappointed to note that these inaccuracies persist on my credit report, and I am compelled to initiate a second round of dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Details of the disputed accounts are as follows : XXXX XXXX Last reported : XX/XX/XXXX Amount : {$56.00} Worst payment status : XXXX days late Last payment : XX/XX/XXXXXXXX XXXX  Payment status : No Info XXXX XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX Reported balance : {$2100.00} Highest balance : {$2500.00} Worst payment status : XXXX days late Last payment : XX/XX/XXXX Payment status : Current XXXX XXXX Last reported XXXX XX/XX/XXXX Reported balance : {$110.00} Highest balance : {$240.00} Worst payment status : XXXX days late Last payment : XX/XX/XXXX Payment status : Current XXXX XXXX Last reported : XX/XX/XXXX Reported balance : {$720.00} Highest balance : {$720.00} Last payment : XX/XX/XXXX Payment status : Current I dispute the accuracy of these accounts as they are not associated with my financial transactions. The continued reporting of these inaccuracies not only damages my credit standing but also violates my rights under the FCRA. 

As outlined in the FCRA, I request that a thorough reinvestigation be conducted into these disputed accounts, including verification of their legitimacy and accuracy. The FCRA mandates the prompt removal of inaccuracies from my credit report. 

I have attached supporting documentation, including evidence of my non-involvement with these accounts, for your reference during the investigation process. 

Per the FCRA guidelines, I expect written notification of the results of your investigation within the 30-day timeframe. Failure to rectify these inaccuracies within the stipulated time may compel me to pursue legal action to ensure the correction of my credit report. 

I appreciate your immediate attention to this matter. It is my expectation that a fair and comprehensive investigation will be conducted in adherence to the FCRA regulations. 

Thank you for your prompt resolution.
Product: Credit card

XXXXXXXX XXXX To log in to my online bank account, I am being asked for the following : XXXX XXXX XXXX XXXX Bank Account Number However, I have never had a debit card! Therefore, I do not have a XXXX either. I dont have a bank account! 
Because I do not have these XXXX pieces of information, I can not log into my account. 
I was given dozens of phone numbers, but none of them were helpful. 
The numbers I called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please stop giving me numbers to call and wasting my time. 
I only have a credit card! I just want to monitor my credit card expenses and payments online! I dont know how much I owe or when I need to make payments! 
If this continues and I face any legal action, I will file a complaint against you in court. ''
Product: Credit reporting or other personal consumer reports

Ive checked my credit report and an account of mine is reporting personal details/information without my written consent.
Product: Vehicle loan or lease

The vehicle in question with this lien holder was involved in a hit and run accident by a stolen dump truck ( see linkXXXX XXXX XXXX ). My insurance company investigated and screwed around for almost 4 months ( 3.2 months ). The claim was settled with XXXX XXXX on XX/XX/2019 - they have screwed around and didn't issue payment for the vehicle until yesterday XX/XX/2019 - Santander whom I called a half a dozen times prior to this, even made a {$50.00} good will payment so SOMETHING had been paid, ( which they never reported or credited ) and charged off the account on XX/XX/2019 when they clearly KNEW it had been a total loss in early XXXX! They also kept me from making payments online via debit/credit for months and when I would call and try and make a payment just so SOMETHING would be paid, they kept giving me the runaround of " dept is closed '' and they won't be open until XXXX tomorrow nonsense. 


So when I see the account is charged off on my credit report NOW they tell me that if i would've made payments they would've reimbursed me? something I've never heard of, why would they reimburse me when I would still have to file a claim with the GAP coverage to cover the balance of the loan. 

I call XXXX, I have attached, not only the statement from the bank I made the {$50.00} payment from but also the entire phone conversation with them stating everything that they said plus they said I should've been told that the first time I called and nobody would inform me of anything.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX  in XXXX XXXX Louisiana that was open in XXXX and it was closed in XXXX and paid off .. just over the year I all of a sudden have late payments showing up in XXXX for this account when It never was reported for being late on this account even before. XXXX  is reporting correctly yet experian and XXXX  has it wrong. I went to the company and he said I was not late in XXXX. I cant be late in XXXX for an account that was paid off on XXXX. This is hurting my recent credit history snd how for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX Transunion reported on my mortgage ( held by XXXX XXXX   ) that was part of a bankruptcy in XXXX. This was clearly illegal and harmful and caused me great distress. We are in the process of looking for a new home and need financing. Several days later the item was withdrawn and my credit score dropped 11 points. I received confirmation of this through XXXX XXXX. I sent a letter to the mortgage company ( XXXX XXXX ) who replied that I should call. I called them ( XXXX ) on this date XX/XX/XXXX and requested my credit score be fixed. Their reply was that it was Transunion 's fault for ignoring the suppression of this item and they would not fix it and it could not be fixed. Please help me with this as I am very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from  XXXX   XXXX   XXXX / XXXX / XXXX  that something was just added to my credit report for collections.     THIS IS THE SECOND TIME THIS COMPANY HAS DONE THIS TO MY CREDIT REPORT!!     When I checked there is an account on my credit from  XXXX   XXXX  via THE RECEIVABLE MANAGEMENT SERVICES  XXXX   XXXX   XXXX   XXXX , PA  XXXX  (  XXXX  )  XXXX  stating I opened an account on  XXXX   XXXX ,  XXXX  and it is now in collections for {$880.00}.     That is impossible for a few reasons : First, I have lived at my present address since  XXXX   XXXX ,  XXXX  and have had the same garbage collection company, which is not  XXXX   XXXX .   Second I had a  XXXX   XXXX  account that was paid and closed since  XXXX , at the very latest.   Third, there was nothing on my credit report about this supposed unpaid account that is now in collections, it just suddenly appeared out of nowhere.     I religiously watch my credit report. T he Receivable Management Services com pany put this on my credit report fraudulently.     I have disputed this to   XXXX   but desire to find out how and why they feel they can put whatever they want on someone 's credit report with no regard to the fact the account does not exist and the information is completely false. This is illegal for  The Receivable Management Services to  do.     I do not want to directly contact this company because it is obvious they already obtained my personal information in some way and I do not want them to have my email and/or telephone number.
Product: Mortgage

I received a letter in XX/XX/XXXX from XXXX. The letter stated an escrow refund check they sent was never cashed. The letter provided instructions on how to proceed in receiving a new check. I followed the instructions and emailed a copy of the form they requested I fill out. I completed this on XX/XX/XXXX. The letter stated a new check would be issued within 7-10 business days of my form being submitted to XXXX. I have not received a replacement check. I called this morning and was informed that because of the high amount of outstanding escrow checks, over 60,000, it would now take 6-8 weeks for me to receive a replacement check. The lady I spoke with could not even tell me if they had received by completed form. The letter I received indicated the check was issued on XX/XX/XXXX. Please help.
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYSTEMS LLC., is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( JEFFERSON CAPITAL SYSTEMS LLC. ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 to substantiate my claims. Further, JEFFERSON CAPITAL SYSTEMS LLC. must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In JEFFERSON CAPITAL SYSTEMS LLC. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX XXXX XXXX are not affiliates of JEFFERSON CAPITAL SYSTEMS LLC. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Equifax cease & desist to stop furnishing illegal reporting activities. Received No response therefore all furnishing activity on the listed allege accounts must be removed and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

CONVERGENT OUTSOURCI Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Mortgage

Bank of America is forclosing on our home however XXXX is the company that we were working with on a loan modification. Once we questioned them as to how this could happen they sold our mortgage to selene. XXXX has refused to work with us and has added {$80000.00} in fees to our loan. Now saying that we do n't make enough to keep the house. How can they do this.