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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$810.00}
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA segment 605, you are required to destroy all records captured on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred funds via ACH from my XXXX XXXX  account to my Chime account. They told me that Chime had my account frozen pending verification so I verified my account with Chime and they accepted it and return the funds back to XXXX on XX/XX/2024 on XX/XX/2024 XXXX XXXX  close my account as planned but before they did, they sent the funds back to Chime There were two transfers for {$2900.00} and {$2900.00}. This money was deducted from my XXXX XXXX account. The trace ID number for this transfer is XXXX. Chime is claiming to have no record of this. This also happened back on XX/XX/XXXX for a total of 52 transactions of mounting to a little over {$2500.00}. They claimed that the funds were sent back unpaid which is untrue because youre not able to even initiate an ACH transfer on Chime or through XXXX unless the funds are there and they have the funds and they have them pending with a postdate and then they just disappeared.
Product: Credit card or prepaid card

My credit card statement cycle closing date was XX/XX/2023. I paid my entire balance off on XX/XX/2023. Wells Fargo charged me {$16.00} saying that I paid a day late. This is extortion and I want a full refund. When i called them to have it reversed because i paid 4 days before the statement closing date, they said the system wouldn't allow them to change it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my graduation, I was notified by federal loan service for student loans. However, as Conduent takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.
Product: Credit card or prepaid card

XXXX XXXX credit cards were acquired by Barclays. I received a letter in the mail stating that my account would be switched over to Barclays and we would get a new card in the mail. I opened my XXXX XXXX Credit Card in XXXX of 2019 with my married name, XXXX XXXX. 
When I received my new Barclays statement my maiden name showed on my account XXXX XXXX but my card came a few days later and it was correct with my married name. 
I called into Barclays and they informed me that their computers were not working and they couldnt help me. I called back 2 days later and the rep refused to help me or make a change. His manager told me I would have to mail in a copy of my marriage license with a note for them to update my account. 
I mailed the copy of my marriage license with the note but today received a letter from them stating that they were unable to fulfill my request because the information was incomplete or illegal. 

This makes NO sense. I sent appropriate documentation as directed and they are refusing to correct THEIR mistake. My information was correct with my previous XXXX XXXX  account and they have my name correct on my account. 

They need to correct this mistake now.
Product: Checking or savings account

XXXX TD BANK Acct # XXXX {$100.00} Reversal charge I am in the middle of changing banks from TD XXXX XXXX  to XXXX in XXXX XXXXXXXX  I set up a transfer of money from TD checking account {$630.00} over to XXXX Acct # XXXX The transfer went fine, over to XXXX A couple of days later, The money at XXXX was transferred back to TD Bank without my permission or knowledge TD charged me {$100.00} reversal fee I went to speak with both banks in person and no one can help me with anything They are pointing fingers at each other So far, out of the {$790.00} Social Sec XXXX Child check I have been charged {$100.00} twice in fees from TD Bank See prior complaint Thank You, Please help We need my sons check to live
Product: Credit reporting

I have sent several written requests for VALIDATION of the bankruptcy shown on my credit report. No validation has been sent to me, yet they insist it has been verified and will not be reinvestigated. On XX/XX/2017 @ XXXX I called Experian and spoke with XXXX ( dept. # XXXX ) and asked HOW they verified it. He said they have people who to the courthouse to review records. I asked for a copy of the record they got. He then backtracked and advised they hire a third party company to go to the courthouse and review the records. I again asked for a copy of the report they provided with the documentation. He stated there was none, everything on their report is on my report. I stated I wanted to see the documentation they were using to place the information on my credit report. He stated they do not keep paper records. I asked for a copy of the report from the third party vendor that he was looking at on his computer. He said there was not one. I asked if he could at least provide me with copies of the documentation from each of the credit card companies that they verified all the accounts they have listed " discharged via bankruptcy ''. He said they have another department " verify '' that with the credit card companies. I asked if THEY could give me copies of proof they validated. He said they could not. Lastly, I advised that I had notified them on several occasions that they were incorrectly reporting my mortgage as " discharged via bankruptcy '' which is not true. It was sold to another mortgage company and I sent them a letter I obtained from the new mortgage company stating same - and they still have not removed it from the report. He said he does not see a copy of a letter in his computer so he can not remove it. It is shameful that these people are ruining lives by limiting access to credit using incorrect information! They clearly do not verify or validate anything I have disputed - they look it up on their computer and say " Yep, it 's verified '' and move along. I asked XXXX how they could write a credit report with all this harmful and incorrect data and can not even provide me with proof that they validated the information. He flat out had no answer. I have sent them proof that the address for the mortgage they are reporting as discharged is incorrect, that XXXX does not even have an account for me any longer and they still have not removed those items either. Is n't reporting incorrect information punishable by a fine for each offense? Should n't they be able to provide proof via legal documentation and means of the Bankruptcy and associated credit cards showing as discharged? Please take them to task and make them do what 's right and delete negative items that they have validated. Thank you.
Product: Student loan

I have submitted my loans in a Chapter XXXX and converted to a Chapter XXXX Bankruptcy dismissing the loans. Ive tried several times to get a lower payment because I was unemployed. I have been offered deferments or forbearances simply by responding yes to a text message not knowing interest was accruing. I never heard back after informing them I lost my job. I would like to have my loans forgiven or discharged because I wasnt aware of what I was signing and the outcome. I suffer from XXXX XXXX that affects my judgement to make sound financial decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland FUnding is fraudulently trying to bill me {$5700.00} They sent me a letter. The MCM account number reflecting is XXXX I conclude this is identity theft or have me confused and mis-shuffled my Father who is XXXX XXXX. I called and spoke with reps. Made MANY attempts to remedy the situation to much dismay. 

Midland is known for taking on false accounts, and renewing fraudulent judgements which they did this to me using my fathers identity.THey served that at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't work there, my father does. 

These crooks make a living trying to collect frivolous money at the detriment of others. 
THey are investigated by the FBI and have been on the newspapers by journalists on Midland. THere main corporate I believe is in XXXX. THe office trying to bill account XXXX is in XXXX XXXX -- -- XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern, based on XXXX profile, an individual named XXXX XXXX XXXX, was selling french bulldogs which I decided to buy. He proceeded to send me pictures and videos of these dogs. I even video called with him and can confirm he is indeed the profile on XXXX and XXXX. He showed me the dogs he had available at the time and advised me of his price. The total was {$81000.00} USD for eight adult XXXX XXXX  which included, their shipping, XXXX, vaccines, and all that entails bringing to the USA. After wiring the initial deposit on XX/XX/2020 of {$15000.00} USD, he gave me the balance due a week prior to shipping. After making the final payment of {$66000.00} USD, he then blocked me on XXXX and XXXX as well as deleted his profile and created a new one. There are numerous other complaints of him from others on social media where he continues to offer dogs to other people and has also scammed many others. This amount of funds is affecting the day to day business operation for myself and my family. This will is detrimental and devasting for our finances. We have proof of pictures of him that shows his car tag which might assist the authorities. You attention to this complaint is greatly appreciated. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Debt collection

I was filing my taxes in XXXX of 2019 and my refund was taken by the US Dep of education. I called and they said Credit Adjustments, inc had taken the debt. I was unaware I had debt with them as the account is closed on my credit report. I called Credit Adjustments inc and tried to set up a payment plan. I told them I could not pay a lot but I would pay something every month. They asked if I was married and I said yes. They asked for his paystubs and tax info from the last year as well. I refused to give them my husband 's info it was not his debt. The total debt was {$15000.00}. He is not in the home he is deployed with the military he has no part in paying it with his income it would have been {$400.00} a month and I barely make {$100.00} a week if I can work with other personal bills. I was thrown in a panic. They then said I qualified for a {$5.00} a month plan after I refused and I have been paying that. I then found out they called my husband with out my consent I believe XX/XX/XXXX and when they did they did not say who they were or that the phonecall was being recorded. They just asked him how I make money and how much. He refused to answer because he didn't know who they were. He looked at the number and it was Credit Adjustments , inc . It has been a few months and they are calling me again. I called them back for them to tell me they had no one able to talk to me and I haven't heard from them since. I feel like their practices are unethical and I am honestly not even sure if I owe this debt! I pay for another college loan that is private and this one seems odd. Their behavior is aggressive for someone that agreed to pay and is being compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

two days ago a significant, unknown negative item appeared on my credit report. XXXX   made no attempt to verify the debt. I filed a complaint and they've done nothing. I confirmed that the alleged debt - reported by XXXX XXXX - was purchased from XXXX XXXX XXXX and is allegedly from 2013 - well past the time I could do anything about it. I have no records and neither XXXX or XXXX can provide any. No effort has been made to collect this alleged debt until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly protected my identity and my financial information was stolen. Their negligence exposes me to identify theft and financial hardship,
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the XXXX so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity multiple times to CFPB and BBB for proof. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy immediately because we gave EQUIFAX XXXX XXXX multiple chances to make this right. 
Also, this account has previously been removed for fraud and re-inserted because XXXX fraudulently changed the account number for this account. I contacted Equifax 's customer service on the phone and they thought this was a brand new account. Please review my XXXX account history and you will see that this is the same account that was previously removed by Equifax, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this negative item as well as compensation for the tremendous amount of time that this account has been reporting to my report.
Product: Credit card or prepaid card

I was presented with a credit card offer by Bank of America for a Travel Rewards credit card offering a {$250.00} sign on bonus, plus 1.5 % in rewards points. I clicked on the offer and went through the application process online. I received a credit card and utilized it for several months. I waited patiently for 4 months for the rewards and bonus offer to show on my account. I then decided to contact Bank of America to inquire into why I have not received these offers, and was told that this is not the card I applied for. I stated that I followed the offer that was presented to me online, as I would never sign up for a credit card without points or sign on bonus. I was told that they have the application reflect that this is not the card I signed up for. I let them know that there must be some issue in their system when being directed forward in the application that would have taken me to a card that I did not and do not want. I want to obtain the offers that were presented to me on the website despite what their system directed me to unknowingly.
Product: Checking or savings account

Money was removed from my Checking account with XXXX on two separate transactions from MONEYLION. I have never had any interaction with this company nor heard of them until today seeing this in my account. I contacted the company today with no results. 

ORIG CO NAME : XXXX XXXX XXXX XXXX ENTRY DESCR : XXXX XXXX : WEB IND ID : XXXX ORIG XXXX ACH debit {$19.00} Pending ORIG CO NAME : XXXX XXXX XXXX XXXX ENTRY DESCR : XXXX SEC : PPD ORIG XXXX ACH debit {$44.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several written to TransUnion to remove several inquiries on my credit report that I didnt authorize. 
XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

the following date 's I sent in disputes regarding a public record. Showing on my XXXX credit report XX/XX/year> XXXX XXXX, and XX/XX/XXXX, XXXX on XXXX XXXX I received a credit report from XXXX XXXX the bankruptcy court verified this information as mines XXXX stated that they received the information from a third-party vendor XXXX that statement id misleading I have a letter from XXXX that the bankruptcy is no longer reporting on my consumer 's file. Please see documents.equifax fail to conduct a proper investigation under 15 USC 1681 ( I ) ( A ), the bankruptcy court or the clerk dose not report to the CRA 's,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the account I keep disputing account and no response .LVNV funding LLC {$1100.00}
Product: Debt collection

On XX/XX/2022 an account was opened fraudulently with my information with Dignifi web bank. For the past 3 months I have disputed this with credit bureaus as well as made statements with law enforcement. In spite of this, Dignifi has still not removed this fraudulent accout and continues with collection calls.