23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX of 2021, I, XXXX XXXX brought in an old Certificate of Deposit to Wells Fargo Bank in XXXX, Ca. XXXX XXXX XXXX XXXX, Ca XXXX, I spoke with the bank manager, XXXX XXXX and he said it was so old they would have to open an investigation. It is from 1999. After 1 month, Wells Fargo still could not find the account. And I actually gave them a copy of the CD. Its very hard to believe Wells Fargo lost an account, but it sure is convenient for them to just say " we are sorry '' and there was nothing they could do for me. The investigation dept sent me a leter of apology stating they are not required to keep records beyond 7 years and that I should check with Unclaimed Property with the State. I checked several times with the State and there were no funds there in my Name. I will be glad to send you copies of the CD and the letter from Wells Fargo. Thank you, XXXX XXXX cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordancewith the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts that are reporting inaccurate information on my credit report i have sent documents in such as police reports etc proving identity theft & the account still wont be removed. I even sent the docs to the original creditor no one will remove the account from my credit report. The account is XXXX - XXXX is the account. The are reporting inaccurate information on my report as the account does not belong to me.!! 
The other account reporting inaccurate is XXXX XXXX XXXX XXXX This account was removed and then inaccurately placed back on to my report with out proper notice & still reporting the same inaccurate information that it was before. The account needs to be properly investigated!!! 
The other is XXXX XXXX XXXX XXXX accounts i have provided documents showing that the accounts were removed from the other bureau for reporting inaccurate information. These accounts need to be removed from my credit report
Product: Money transfer, virtual currency, or money service

This was the response from Robinhood : Hi XXXX, Upon reviewing your case, the transfer was sent to our custodial platform 's hot wallet address instead of your personal crypto wallet since they didn't include the memo when they return your XXXX coin. 

Unfortunately, due to the nature of blockchain transactions, once a transfer has been initiated, it can not be reversed or intercepted. As a custodial platform, we operate within the confines of blockchain technology, which means transactions are irreversible by design. 

When transfers are mistakenly sent to addresses not associated with a personal account, such as our hot wallet address, it becomes extremely challenging for us to retrieve or redirect those funds. Custodial platforms commonly face limitations in recovering improperly transferred coins due to the decentralized and irreversible nature of blockchain transactions. 

While we can not reverse the transfer or recover the coins sent to the incorrect address, I want to assure you that our team is here to help. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. An account for XXXX showed up on my credit report. I did not open, authorize or use this account. I contacted XXXX and was told to contact XXXX XXXX as they now handled the debt. I contacted XXXX through the CFPB and received a response indicating they investigated my claim and have ceased collection efforts on the account. On my credit report XXXX is still reporting this debt. I am disputing this debt and requesting its immediate removal. I have attached a copy of the full complaint filed against XXXX XXXX regarding this debt, including their response indicating their decision to stop collecting this debt due to identity theft. Please note that due to file size I was unable to upload the document directly to credit bureaus website and thus had to use the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
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 seven 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states that 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 an account without my written instructions.

Also, there is missing information in the report. How do they even know this account is mines? Also, this account is not Metro 2 Compliant. 
I very disappointed in XXXX, TransUnion and XXXX for not completing a thorough investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. Account name : XXXX XXXX XXXX Account number : # XXXX XXXX. Account name XXXX XXXX XXXX  XXXX, XXXX Account number : # XXXX XXXX. Account name XXXX XXXX XXXX  Account number : # XXXX Equifax trickery continues furnacing disputed and previously deleted information from my credit file. 
I request Equifax supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security I request Equifax provide EVIDENCE of the procedure used to verified such as information I request Equifax provide the CFPB and me with the names, phones numbers, contact person, addresses of all the people who participated on the investigation or who ever who can come Infront off a Jury. 
Pursuant to section XXXX of the Fair XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reasonable cause to believe that the information is inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 7 ) negative XXXX XXXX XXXX XXXX  - Responsibilities of furnishers of information to consumer reporting agencies,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Definition : identity theft XXXX XXXX XXXX XXXX  - Civil liability and XXXX the required notifications to all Furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan with XXXX bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 days.
Product: Checking or savings account

When I opened my care free checking account, I was NOT told there was a different routing number for online only. I went back to the bank in XXXX and retrieved from the teller, the routing number I needed to have for online banking. I used my direct deposit routing number for my rent but was the wrong one, unbeknownst to me. The automatic rent take out never posted and was declined by the rent company so it left me with owing for XXXX, XXXX {$600.00}. I cancelled the automatic which I am paying in partial payments to the property management. The routing number for online banking, which was given to me from the teller is : XXXXXXXX  My direct deposit is different and everything is okay for that. 
My checking account number is XXXX XXXX XXXX XXXX The teller suggested XXXX XXXX was distracted at the time. That was the teller 's excuse. 
The state I thought was a state bank but it is federal and was directed to contact you. 
I have, in my email, the state is forwarding my complaint to you.
Product: Credit card or prepaid card

Application ID XXXX This application was taken and they failed to accept any proper forms of ID. In order to ID me they used incorrect data. I answered all my questions correctly and they stated they were incorrect. At that point I offered numerous forms of ID which they would not accept and would not return my calls with a manager. They ended up showing the soft hit on my credit for it regardless but then stated it was not me. I believe they are not properly identifying their customers as they are required to. This was my first time dealing with Comenity Capital Bank but all other institutions properly validate ID.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Corp Solution Address : XXXX, UT XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX Fl, XXXX Dear credit corp solution I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX regarding account XXXX, which is reporting inconsistent and inaccurate information across all three credit bureaus, violating 15 U.S. Code 1681 ( Fair Credit Reporting Act ). The account reflects different " date last active '' and " reporting dates '' across XXXX, XXXX, and XXXX, which is not possible for the same account and fails to meet FCRA accuracy requirements. Additionally, you have falsely reported the account as 120 days late in both XXXX and XX/XX/XXXX, which is impossible. There was no prior XXXX or XXXX late payment leading up to these reports, making this information clearly inaccurate. Furthermore, the last reported XXXX late payment was in XX/XX/XXXX, yet you have also marked XX/XX/XXXX and XX/XX/XXXX as 30 days late, further contradicting your own reporting. 

It is also important to note that your companys business registration has been forfeited in Texas, meaning this account should not be legally reported. The presence of these errors suggests either a blatant disregard for compliance with the law or significant negligence in reporting practices. As a result, I am demanding the immediate deletion of this account from my consumer report. If this request is not met, I will pursue legal action for damages caused by these violations. I expect a prompt response and corrective action in accordance with federal law.
Product: Credit reporting or other personal consumer reports

For over two years, XXXX has claimed to have verified the accuracy and compliance of my account with Spring Oaks Capital LLC under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, XXXX failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my disputes until a specialist who actually reviewed the file acknowledged the negligence and removed the account. 
Spring Oaks Capital LLC is a clear example of this misconduct. The account, originally with XXXXXXXX XXXX, was falsely reported. XXXX initially stated the debt was both paid in full and sold to Spring Oaks Capital LLC. However, after XXXX years of disputes, it was proven that XXXX reporting was inaccurate, leading to its removal. Despite this, Spring Oaks Capital LLC continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid. 
Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
Immediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information.

Written confirmation of the deletions, sent to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned specialist, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. 
Immediate compliance is expected.
Product: Student loan

Dear Sir/Madam, I am writing to bring to your attention the circumstances surrounding my student loan with XXXXt, which is related to a school that was found to be fraudulent. As a result of the school 's fraudulent activities, all federal loans associated with the institution were cleared and discharged. I am seeking a similar discharge for my loan through XXXX in light of these findings. 

I am aware of the actions taken by the Department of Education to discharge federal loans for students affected by the fraudulent school. However, I am unclear about the required steps that I must take to have my XXXX loan discharged under similar circumstances. 

I kindly request your guidance on the necessary steps I should follow to seek the discharge of my loan through XXXX  due to the fraudulent nature of the school. Any information or assistance you can provide in this matter would be greatly appreciated. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and guidance on the next steps. 

Sincerely, XXXX XXXX
Product: Bank account or service

A counterfeit check was written on my business account in the amount of {$4800.00}. The check was made out to a business and it was cashed. The signature that was supposed to be mine was n't even close to resembling my signature but Bank of America is stating that they can not recover the funds. I feel that it is their mistake and no they should return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a call from XXXX, asking if I had tried to apply for a XXXX XXXX XXXX credit card in California. I said that I hadn't, have been dealing with identity thieves in California. Checked my credit with XXXX XXXX and noticed a hard inquiry dated XX/XX/2018 originating from XXXX/XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing incorrect balance. No update since XX/XX/2022. Contact institution as a courtesy to update my credit reports. Was told this is only down every XXXX months or so for installment loan. I have significantly paid this loan down from {$10000.00} to just over {$5700.00}. XXXX told me to file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I called XXXX about a week ago I dont remember the exact date, I let an agent at XXXX know that they are furnishing nonpublic personal information which is personally identifiable financial information on my consumer report which includes account numbers, payment histories, XXXX does not have my consent or written authorization to furnish my nonpublic personal information to any non affiliated third parties, i am a federally protected consumer who has a right to privacy I have been damaged because of my nonpublic personal information be furnished when I try to obtain a financial product or service, XXXX is subject to the FTC rule making authority and I would like for them to delete my nonpublic personal information which includes payment histories and information from a consumer report persuant to 16 CFR 313.3 ( o ) ( 2 ) ( G ) please delete any nonpublic personal information from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by XXXX XXXX. But despite that, XXXX XXXX continues to report this account on my credit profile. I have been in contact with the credit bureaus and XXXX XXXX to correct this error, but the account continues to remain on my credit report.
Product: Debt collection

After checking my consumer report I have noticed that a collection that was once deleted has been reinserted into my file. This conduct from I C System has violated my federally protected consumer rights 15 USC 1681 procedures in case of disputed accuracy the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. This company has no rights to my personal private information after having no agreement or wet ink signature. This debt is disputed, please remove from your files my information. This purchase also violated the FDCPA, FCRA etc.
Product: Credit card or prepaid card

Despite my effort bank of emerica prepaid add card jas made it impossible to argue an enourmous amount of unauthorized charges to my bank of america XXXX  card and refused to give the temp credit always given in the case of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Checking or savings account

I just couldnt get my money when I needed it the most
Product: Credit reporting, credit repair services, or other personal consumer reports

Misspelled Name ( XXXX XXXX ) { XXXX, XXXX, ) Dispute ignored and put back on my account Consumer Financing reported on my account should not be XXXXXXXX XXXX that reported on my account which I never lived at the address reported They have incorrect and outdated information This incorrect information is causing me to reflect a inaccurate credit score causing me to get denied when I should be approved
Product: Student loan

Hello, I attended XXXX XXXX XXXX XXXX XXXX, XXXX XXXX formerly XXXX XXXX XXXX XXXX XXXX XXXX- from XXXX. While there I took out private loans over the summer months totaling about {$8000.00}, as well as {$180000.00} in federal loans. Due to non-payment of these loans the school is withholding my transcripts until they receive full payment of over {$13000.00}. This is an abusive and unfair practice against me per https : //files.consumerfinance.gov/f/documents/cfpb_student-loan-servicing-supervisory-highlights-special-edition_report_2022-09.pdf # page27
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX, Account # XXXX Collections : XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$8500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) I have attached proof of payment on this account. The lates that are reporting are also incorrect. This account needs to report a {$0.00} balance and no lates. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and  this line item needs to updated and/or removed. I have contacted the bureaus to fix this however, I have not been successful.