23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Wise Loans has been reporting themselves as essential lending on my credit report and fraudulently taking money from my bank account to which I had to dispute in XXXX of XXXX and again in XXXX of XXXX. They also have reported 3 different balances on my credit reports so none of the information is accurate. I have disputed this multiple times. 

Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one used my credit report to damaged my credit history I belive is my ex -husband keeps used my credit to damage my home refinancing cousing me problem we the bank not able to presided we the matter that was causing the bank to take the home off wait from me.
Product: Vehicle loan or lease

Exeter Finance discharged the debt associated with my loan via the IRS XXXX process for the full amount. I have also sent in several payments to pay the full amount of the vehicle, and Exeter kept all payments and refused to add the payments to my account. Instead they sent a repossession company to my home at XXXX. They are attempting a repossession, on a debt they discharged and I paid XXXX. It is illegal to collect on paid and discharged debt, however they continue to try and collect from me and take my vehicle.
Product: Checking or savings account

I sold some tickets from XXXX  thru their website. A few days later I recieved a email saying the ticlkets were sold and XXXX would be deposited as soon as I went and put in my bank account information The next day 2 small deposits were made and I was asked to verify them which I did. When the money never arrived I went online to look up XXXX  customer service because no response to a email I sent ever came. When I called a XXXX gentlemen answered after a recording saying I was second in que played. He identified himself as a XXXX  employee. After explaining the issue he said the problem was XXXX  software was having issue because they had been scammed for XXXX and recently changed their procedure for verifying accounts. He asked me to go to XXXX  and download a app called XXXX XXXX. Once I did and opened the app he asked me to read him a code which I did. He then asked me to go into my chase acct and do a supposed dummy XXXX  deposit to a odd email address with name of XXXX XXXX. He assured me the money would never leave ( which it didnt right away it was listed as pending } About 3 hours later chase sent me a text reducing my balance by that amount. When I reported it to chase they said they were not responsible since I authorized the payment which I really didnt I only authorized what I thought was a verification hold But the bank makes no distinction
Product: Credit reporting or other personal consumer reports

Human Trafficking debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX ( b ) ( 4 ) - ( 5 ) 1002.142 ( b ) 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable terms which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 )
Product: Debt collection

I received a collection notice for an account and it doesn't have any patient information or what this is for.
Product: Checking or savings account

XX/XX/XXXX I opened an account with money network.I sell mattresses with XXXX XXXX in Nevada, temper-sealy payes spiffs. I had XXXX in XXXX of XXXX. I checked in on my account and money network said they closed it because they needed more information.they said that I was informed through the mail.I never received a letter.then I was told they sent a check for the account. A couple of months later I called saying I never received check.I was told they would issue a new check, they sent me a email showing date of issue and check number.again I have never received the check. I've called at least twenty timesXXXX number is a XXXX call center.they put me on hold for a long time without picking up.when I do get through they tell me nothing about what is going on. One supervisor was honest and told me funds are still on hold, she said your not the only one.when I email them email comes back mailbox full. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX directed TRANSUION CONSUMER REPORTING AGENCY to delete inaccurate information. Credit reporting is voluntary to report non public information. I consumer XXXX XXXX did not give TRANSUNION written consent to furnish my information and I instructed them to delete it immediately. TRANSUION refuses to comply and continues to violate my consumer rights under the Fair Credit Reporting Act. 

The CFPB and TRANSUION require that information reported must have integrity and must be accurate. According to Appendix E to Part 1022 - Accuracy and Integrity of information furnished to Consumer Reporting Agencies must happen. TRANSUNION is reporting a XXXX  XXXX ACCOUNT that is not being reported by XXXX. The attached paperwork will disclose the inaccuracy. TRANSUION is breaking the guidelines of their company and the CFPB, and violating the consumer. 

TRANSUION CAN NOT VERIFY INFORMATION IS TRUE ABOUT THE CONSUMER. I REQUESTED THAT TRANSUNION SHOW HOW THEY INVESTIGATED AND THE STEPS ON HOW THIER INVESTIGATION WAS CONCLUDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX PL XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}.
Product: Credit card or prepaid card

I made the final payment electronically, for the outstanding amount ( balance ) due on my credit card account. Once that payment cleared my bank account, I wrote a letter requesting that my XXXX balance Sears/Citibank credit card be closed, effective as of the date of receipt of the letter. 

The letter was mailed certified, return receipt reqested ( U.S Postal Certified receipt-artical # XXXX XXXX XXXX XXXX XXXX ). Bar code # XXXX XXXX XXXX XXXX XXXX XXXX ). The returned receipt vertifying that the letter requesting my account closure was received. 

Approximately, three weeks later, I received a statement showing a XXXX balance, in my account along with a New credit card. I have not activated the card, nor do I intend to do so. I am requesting that the FTC-Consumer Finance Agency/department assists me in getting Sears/Citibank to close my credit card account as per my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get in contact with SageStream , LLC to place a security freeze on my credit report but they will not return my calls nor answer their phones. I have left a voicemail the past three days and they state that they will get back to you within one business day but they just are not doing it. There call goes straight to voicemail every-time like they do not return your calls to begin with and I do not believe that they are busy every single day that I call in so they are just refusing to answer phone calls from consumers. This credit reporting agency that is not well known is basically hidden like they do not want us to know about them. This needs to be looked into. Apparently XXXX, XXXX, and XXXX are not the only ones. Please look into this as I have read nothing but complaint after complaint, after complaint about SageStream , LLC. I want my credit report frozen through them. They need to add this feature online that way we are able to do it ourselves without having to call in.
Product: Debt collection

I sent Ftc report to source receivable management due to debt that's not mines I certified mail all reports call and continue to get nasty responses from them via phone calls I haven't got no mail response after I mailed report but they are still reporting to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is hurting my Credit history since I had no transaction with this company. I don't know how they got my information, this account was closed with a balance over eleven thousand dollars. I am receiving bills and threatening letters from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX places a lien on me in XX/XX/XXXX for taxes not filed.After doing the taxes for years XX/XX/XXXX-XX/XX/XXXX they owed me a refund for every year. Im asking that the credit bureaus remove this information from my credit report.It is reported as paid which it never was they owed me.l did get XXXX XXXX to write a letter stating this but the credit bureaus dont recognize this as suffficient.Ive disputed this action to Yea of course avail. Im asking that this lien be removed.
Product: Checking or savings account

I have been waiting on my check to despising into my account and it has not its been 3 days and the company told us it would take a couple hours first then they said by Friday and its Friday and still no deposits no update no nothing they cant even tell us when we will be able to get our money I have bills to pay I dont get any assistance I need food gas to get to work my light bill is due gas bill due car note due mortgage due all those late fees will kick my butt, but hows this my fault? Something got ta be done this is insane
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion multiple disputes and an FTC ID Theft Affidavit. I chatted with a representative on XX/XX/23. He stated that they rejected my FTC ID Theft Affidavit on standards that do not meet FCRA 605B. TransUnion is in violation of FCRA by having not blocked the fraud within 4 days of receipt. 

I have sent the same disputes to XXXX and they also have violated FCRA 605b by not responding with the 4-day requirement as indicated the law. XXXX also refuses to remove a duplicate erroneous account despite multiple disputes.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any erroneous accounts from my credit report. Could you review the documents? Some accounts listed have reporting errors, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$420.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Checking or savings account

My husband and I owned joint account at Chase Bank for the past 6 years. On the beginning of XX/XX/2020 my husband received the letter from the bank stating that Chase wish to terminate relationship with my husband and therefore the account was under the consideration of being closed. immediately after I as a primary owner of the account contacted chase customer service with an attempt to resolve the issue. the account manager which i spoke to directed me to bring the issue to one of the closest branches and remove my husband from the account to terminate his relations with the bank. Important detail to mention, the account manager looked up my information and stated that there is no actions from the Chase side towards my name, which means I myself continue to be a loyal Chase customer. To mention that at no point through this whole situation I received any messages or notifications from Chase. As well nowhere in my mobile app account or anywhere else i saw any indications that I and my chase checking account was at any jeopardy. Only to learn that on XX/XX/XXXX in such devastated time in our country and around the globe chase bank did not accept direct deposit from IRS with so much needed stimulus money from the government. On XX/XX/XXXX I contacted Chase customer service again and was notified that my account pending closing, furthermore I was not given any explanation or timeframe how does this effect my existing funds on my account, or when I will be given my money back with some explanations and resolutions. Important thing to mention as of right now I am denied access to my funds and yet not given any explanations or guidelines how to proceed with an issue. As well worth mentioning that denying IRS governmental stimulus deposit in the time when my family in such financial distress and my husband out of work was illegal and against federal policies of putting everything on hold to relieve financial burden caused by COVID-19 virus.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Trident Asset Management / XXXX XXXX XXXX In reference to account # XXXX The above collection company has parked and re-aged information that is inconsistent with the original date of delinquency onto my credit report this is a willful violation of the Fair Credit Reporting Act. It is required by the FCRA to provide relevant and accurate documentation to the CRA 's. This is a malicious willful act that is defamatory to my reputation and has caused harm to me and my family. Re-aging debt is an illegal debt collection practice. The statue of limitation from the original date has passed. Texas is 4 years. They need to remove this information from all CRA 's.
Product: Mortgage

I bought a house in XXXX XXXX in XXXX. It was my primary residence. I fixed it up and made the payments regularly until about XXXX XXXX at which point I called the bank to see what options were available. I explained that I was unable to make the payments any longer, that my parents were sick and that I had put the house on the market in XXXX and moved to XXXX. I gave them all the information they requested. Since then they have continually bounced me from one representative to another almost like a shell game. They did this until the information was outdated and I had to submit all new information such as my XXXX tax statements, bank statements, recent pay stubs, and an explanation why I was unable to make the payments. They would then tell me via mail that I do n't meet investor guidelines. I talked to HUD and they tell me I do! The bank assigns me another representative and we go through the whole procedure again. By now we are 9 months into this process doing this hide and seek and we start a new year. Now I must submit my XXXX taxes, bank info and an explaination why I cant make the payments. My realtor has been going through all this with me over and over again I think at least XXXX times in the past year, so my realtor tells me this week that this is going to be the last time! Today I get a letter from the bank stating that my mortgage is being transferred to another servicer! This XXXX has been going on now for a year and 8 months!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX  has XXXX my rights. XXXXUSC XXXX  sectionXXXX States I have the right to privacy. 15USC XXXX section XXXXXXXX XXXX Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.