23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts 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 remove these files. 


XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

XX/XX/XXXX USAA sent me a 1099-C form canceling my debt to them they sent this form to a 100 % XXXX veteran who does not pay taxes a form in which showed up in my mailbox only 3 weeks before i recieved my back pay form the VA for the decision that was made on my XXXX status at the time i had no real knowledge of what the form meant but as i read the fine print it stated i received the form because the debt was cancelled and or forgiven by the creditor if USAA would have given me more time or instead sent me a charge-off notice like the one i receive from XXXX i could have paid the debt off in full because i knew i was about to have the funds available to do so for the first time money i didnt necessarily have in previous years due to me fighting for the correct XXXX rating from the VA something that took me 9 years to fight for after i got the 1099-C Form i thought it was a blessing that i was being forgiven for this debt that incurred due to my car being repoed XX/XX/XXXX but that was not the case as it turns out USAA was telling the credit bureau that it was a charge-off in an attempt to destroy my credit behind my back something i just discovered XX/XX/XXXX 3 plus years later. had i been giving the proper knowledge of this debt back in XX/XX/XXXX i could have payed it off in full that XXXX and i could have paid it in full also that following XXXX when i received my back pay from social security. Im righting this complaint because after purposely misleading me and ruining my credit behind my back they are now asking me to pay a debt that was " canceled " due to the 1099-C form and yes there is a precedent for this kind of issue as it did play out in a kentucky court room but under different circumstances. Its not fair and should be illegal for a bank to do this to anyone no matter if its personal or not i received 40 times a charge-off mark on my credit report keeping me from using my VA loan, getting a credit card, personal loan, and i also receive 18 % interest rates on anything i do get and i didnt know why until now. i found out about this incident through XXXX when i checked XXXX XXXX XXXXt did not show this information all it listed was repossession and a balance of XXXX dollars something i did inquire about last year and all i got from a USAA representative was " I dont know '' as of now if i have to pay the debt i will do so once the notice get to me later this month but i would like to know is there anything that can be done about the history created on my credit report? when companies do inquiries they will see the 40 charge off and deny me i did not serve my country to be XXXX  by it from a bank that gave me a poor car loan to began with on a used car something i regret and for the record had i not been fighting for the correct XXXX designation i would have never missed any payment or send them half of one in the form of a money order!
Product: Credit reporting or other personal consumer reports

XXXX had failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Mortgage

I recently received a check for {$500.00} from Wells Fargo, accompanied by a brief note stating that a mistake had been made and that the enclosed amount was meant to " fix it. '' However, there was no further explanation or documentation provided to clarify the nature of the error or how it impacted my now closed/sold modified mortgage account. 

This is particularly concerning because the mortgage in question is closed and was previously modified. Why was this payment sent without any detailed information regarding the error?
Product: Checking or savings account

I have a Savings account with Marcus by Goldman Sachs. In XXXX, I signed up for a promotional offer in my Marcus Savings account for 1 % bonus of savings account. Per this offer, I can get up to {$500.00} bonus if I transfer {$50000.00} new money into my Marcus savings account. When I signed up for this promotional offer, I did transfer {$50000.00} new money into my Marcus savings account from XXXX Bank. In my online account, it showed that I was qualified for this 1 % bonus offer. I have kept this {$50000.00} new money in my Marcus savings account through now, and the {$500.00} bonus should have been posted to my account no later than XX/XX/XXXX based on the promotional offer status link in my Marcus online account. However, it has passed XX/XX/XXXX. But I still have NOT received the {$500.00} bonus yet. 

I request Goldman Sachs to post the {$500.00} bonus credit to my Marcus Savings account per the promotional savings account offer immediately, without any further delay.
Product: Checking or savings account

Bank of America has blocked access to an XXXX XXXX Account by claiming the have issue with computer systems regarding debit cards. But they want me to pay out of pocket and request reimbursement, but that not acceptable. This money was for my health purposes and should be available to me the consumer who invested in their services and now I cant access the funds I deposited. They provided no time as to when the issue would be resolved. Also, all of my information was updated but they have information on my account that I did not provide such as old drivers license from another state. Something fraudulent is happening with my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EQUIFAX PROVIDE FALSE INFORMATION AND ISSUED FALSE STATMENTS ABOUT THE PUBLIC RECORD ON FILE. XXXX AND EFX STATED THEY VEIFIED WITH THE FURNISHER - THE COURT THE ACCURACY OF THE BANKRUPCY THAT WAS FILED 10 YEARS AGO THUS THEY WILL CONTINUE REPORTING IT ... HOWEVER, I CONTACTED COURT AND CLERK ISSUED IN WRITING STATEMENT THAT THEY THE COURT DO NOT REPORT, VERIFY OR VALIDATE ANY AND ALL INFORMATION TO THE CREDIT BUREAUS. 
THEN EQUIFAX STATED THEY RECEIVE THIS FROM 3RD PARTY FURNISHER XXXX XXXX  WHOM I CONTACTED AND AGAIN RECEIVED IN WRITING STATEEMENT THAT THEY ARE NOT NOT NOT REPORTING ANY BANKRUPTCY ON MY NAME OR SOCIRAL. 
I HAVE BEEN REQUESTING THE DELETION OF THIS ERRONEOUS BK FROM MY CREDIT REPORT FROM SEVERAL MONTHS NOW, ONLY TO RECEIVE AUTO GENERATED RESPONCES FROM BOTH OF THE BUREAUS. NOBODY IS READING OR LOOKING AT THE SUPPORITNG DOCUMENTATION ... THIS IS VIOLATION OF MY CONSUMER RIGHTS AND IT IS A VIOLATION OF F.C.R.A. A FEDERAL VIOLATION. I CONTACTED DA OFFICE AND NOW PREPARING MY COMPLAINT TO ATTORNEY GENERAL 'S OFFICE AND WILL FILE IF THIS IS NOT DELETED FROM MY REPORT IMMEDIATLEY US BKPT CT CA XXXX Identification number XXXX
Product: Credit reporting or other personal consumer reports

In complaint # XXXX, I asked this agency to remove all previously disputed items on my credit report that was not properly investigated. In addition, I asked to remove all addresses on my report except XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. I received a notification from this agency yesterday that my disputes results were completed. When I checked, I saw that this agency removed the XXXX XXXX XXXX XXXX GA XXXX address. I still live here. The address that should have been removed is XXXX XXXX XXXX XXXX XXXX GA XXXX. I am the victim of fraud and I have filed several FTC reports inthe past. I do not live here at this address. I continuely fail victim to someone trying to access my information. This agency is allowing me to be victimized all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation results were wrong account still has not been removed from my report. The account of XXXX XXXX is not mine but is still on my report.
Product: Credit reporting or other personal consumer reports

Both XXXX and XXXX have multi-factor authentication in place to log in to unfreeze credit reports. Equifax does not provide this on its " XXXX & XXXX '' service, meaning that anyone who got my username and password could unfreeze my credit report on Equifax.
Product: Mortgage

I have been requesting a payoff letter since XX/XX/XXXX, at a promised turn around of XXXX business days. I called and confirmed it was correct and they stated that if I had emailed the email provided with a good through date, and the loan number it would be given to me XXXX Then they informed me they had rejected my request because I didn't provide them an ink signature. So I resubmitted the request, with a signed request on XX/XX/XXXX. On the XXXX, they informed they were not able to provide me that until their system was updated with a loan modification, which they have had the paperwork since XXXX, and first they stated they were waiting for the local courthouse updated it, but that was confirmed by the courthouse to be done in XXXX, now they are blaming XXXX XXXX. 

All the while they are refusing my request for a payoff letter, which is in direct violation of my rights under the FCRA.
Product: Debt collection

The account is invalid. I.C. SYSTEM, INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


I.C. SYSTEM, INC XXXX, I.C. SYSTEM, INC XXXX
Product: Debt collection

I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very sick and I am not employed either and XXXX and XXXX continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.
Product: Credit reporting or other personal consumer reports

These recent late payments don't fit with my usual payment pattern, so I need them corrected.
Product: Money transfer, virtual currency, or money service

XXXX XXXX or around XXXX XXXX or around XX/XX/2023, I fell victim to XXXX  multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USDT from my Coinbase account to fraudulent investment firm.
Product: Checking or savings account

There were many times with Wells Fargo that my account balance was incorrect. When I would deposit money the amount on the receipt would be different to the app on my phone even after a couple of days. Also there has been times when my account was frozen due to suspected fraudulent charges when it was not the case, when I have used {$400.00}
Product: Checking or savings account

On XX/XX/2021, I received a email from Sofi informing me my account had been frozen. In the letter it told me to call their fraud prevention team and speak to someone to help get my account released. However since then I have left over 20 voice mails and used multiple channels to contact representatives of Sofi. To this I have received only one email telling me they didn't know the exact time someone would reach out to me. It is very frustrating to be told to contact people regarding your security and money and no one responds for two weeks and it has forced me to take this outside of the communication with the company and find third party assistance. The following is what I have tried to do to contact anyone in Sofi for help. 

1. Call Sofi : I tried to call their Fraud Prevention Team over twenty times with no responses to my calls. I tried to call other departments to talk to anyone but because my account is frozen they automatically send me back to the Fraud Prevention Team. 

2. XXXX : I have tried posting on the Sofi XXXX XXXX twice asking for community help but both of my posts were not approved by Sofi XXXX. I also tried contacting the Moderator herself and she has no responded at all to the message. 

3. XXXX : I tried to reach out via Sofi 's XXXX but they have no responded there either. The community members on the other hand were very helpful and I was informed to take the problem here from one of the members. 

4. Email : I have also reached out via Email and was informed two days later they didn't know how long it would take for someone to get into contact with me. This had been a a little over a week after not receiving a callback from Sofi regarding the problem.
Product: Credit reporting or other personal consumer reports

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint because I still believe there are some errors on my credit. I would like CREDIT BUREAUS to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please evaluate the following items : XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$190.00}
Product: Credit card or prepaid card

Us Bank, XXXX XXXX ( XXXX XXXX  XXXX XXXX ) Dont properly investigate claims, Deny Claims before asking for any documentation regarding the claims to be provided to assist in the process.

Do not accommodate any requests forms of assistance regardless of the circumstances and the requirements for the delivery of the services at no additional cost to them but still no provision of ADA / Disability Disorders and Needs for Alternates in Communication/ And all other forms involved in doing Business with them are not being provided and /or addressed to, most are Disregarded and /or provided a proper form of attention to, lack ce in the responses given compared to what is required to exist in order to be denied access, Equal, Fair, Non discriminations in the process and delivery of services provided to the public allows for equally access and Opportunities to use and benefit f
Product: Credit reporting or other personal consumer reports

This account was reported paid on time on the following date ( XXXX XXXX ) Then was reported XXXX day 's late on ( XXXX XXXX ). This inaccurate information falsely manipulates the statute of limitations. Equifax failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Debt collection

XXXX XXXX open account Amount of debt : XXXX Account number : XXXX XXXX account I made several attempts to clarify to the company once I received the notices of missing payments that I did not own the account. They would simply transfer the account to a debt collection company. The account is currently with portfolio recovery and they sent a lawsuit in regards to this account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the light of CFPB lawsuit highlighting significant issues with the XXXX. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost of funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus regarding items on my credit report that are not right. Whatever investigation they conducted did not fix anything on my reports. There is still things on my credit report that are not supposed to be there and other things that are incorrectly reporting.
Product: Credit card or prepaid card

someone changed my Experian email address locking me out as I had a freeze on my credit report they were able to unfreeze my credit freeze and apply for credit cards in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a request to Transunion to review the new credit law information for removal of Public Records that was introduced in XXXX XXXX. Instead Transunion launches a investigation into XXXX XXXX XXXX XXXX Tax Liens being reported on my credit report. The results came back from Transunion as being verified but I received No proof of how or with whom the Tax Liens were verified. I contacted my Clerts Office here in XXXX Alabama and was informed their office DOES NOT report any information to credit bureaus ... the new credit law states The credit reporting agencies agreed to remove new or existing tax liens and judgments that dont contain at least XXXX out of the XXXX pieces of identifying information. Neither of The ( XXXX XXXX Tax Liens that are reporting on my Transunion file contain at least XXXX identifying pieces of my information..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX These accounts have violated my rights.

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15 U.S.C. 1681e ( b ).

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), regarding the treatment of inaccurate or unverifiable information : ( a ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate, 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.

Furthermore, according to 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: Payday loan, title loan, or personal loan

I have filed a complaint about this company previously, and no resolution was actually provided. However, now new information has come to light that the company that I bought the Solar panels from, for which I took the loan out, has gone under and closed its doors and is being investigated for fraud - as I expected they would. It is also my ( limited ) understanding that all of the lenders are being investigated for their involvement in the scheme. I want this loan wiped out and all payments made thus far refunded.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
Equifax : XXXXXX/XX/XXXXXX/XX/year>