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

Please block and remove the following accounts Due to XXXX data breach.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
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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  ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to XXXX about the XXXX XXXX reporting that they removed the bankruptcy from my record. XXXX  admitted that XXXX XXXX removed it from their file, but they did not explain why they removed it. XXXX  then lied and said that they sent XXXX XXXX to the Bankruptcy Court to verify. XXXX XXXX did not go verify as claimed by XXXX. Yet, XXXX, Equifax and XXXX  still is displaying a bankruptcy. 

In addition, my file is locked with XXXX XXXX and they lawfully can not report anything about me. XXXX  has retaliated and started removing aged good credit history from my report. XXXX XXXX said that XXXX  disputed their entries that onto my credit report as fraud and asked them to remove from my credit report. This action led XXXX XXXX to remove all of my credit history. 

The three credit bureaus are now engaged in racketeering type of activity to keep scores down so that they can gain more money from subprime lenders. They are further being less than honest about companies verifying inaccurate information. 

I would like Consumer Finance to Do its job and regulate these out of control agencies. All three are further preventing new creditors from reporting credit lines during the pandemic so they can further keep scores down so they can profit from sub prime lenders and consumers seeking relied during covid. 
I also disputed some bogus address on equifax that says I lived in Minnesota and they verified it as accurate. I have never been to Minnesota in my life. 

This is exactly how I know that these companies are fixing files to meet their own monetary goals. All 3 companies refuse to investigate inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my 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 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
Product: Checking or savings account

On XX/XX/year>, the XXXX of Citibank, in an agency of their institution, did not allow me to withdraw my money, without any argument, money that my wife sent me via international bank transfer, proceeds from the sale of an apartment. In XXXX, that is 20 % of what I am going to bring to this country and on top of that they closed my account. Instead of letting me withdraw my money and then they want to close my account, well they didn't, I called to ask and they didn't give me any reason, that I have to wait 30 to 60 days, for that reason I am making this complaint, I don't think what they are doing to me is fair, it is an abuse towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 2 disputes submitted and denied by Experian, XXXX, and XXXX, XXXX XXXX still FALSLY misleads submittals to these credit agencies by writing that I " Paid '' the past-due amount but then WRITES -- " {$730.00} Written Off ''. XXXX XXXX 's slowness in internal processing lead to their statement of " {$730.00} Written Off '' in the Account with XXXX XXXX in XXXX-XXXX. In addition, I believe the simple remedy is for the 3 Credit Agencies, at least, AND if possible to include XXXX XXXX, to list the TRUTH in my 3 credit reports as " Paid. Account Closed ''. 
Lastly, they mistakenly state that my account was opened until XXXX. I believe this is a FALSE statement because it was settled much earlier about XXXX, which would lead to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

XXXX XXXX XXXX XXXX also have never worked at XXXX XXXX XXXX XXXX XXXX XXXX Nor have I worked at XXXX XXXX  XXXX I work at XXXX XXXX. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE DO NOT PLACE AN ALRET ON MY CREDIT REPORT I WILL KEEP AN EYE ON IT.

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX XXXX XXXX. The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, XXXX XXXX
Product: Credit card or prepaid card

On XXXXXXXX my account with XXXX XXXX ( Comenity Bank ) was closed and paid in full. 
Since this time, I continue to receive monthly statements with late fees and interest charges. I have contacted them several times with no resolution to the problem. 
Please help.
Product: Debt collection

On XXXX XXXX someone used my information to applied for a loan and i received an email now when i checked it was an application and now they trying to take the money back from me in which i have no idea that i owed them i never borrowed from them. They said {$300.00} was funded in my account XXXX XXXX but i never have any bank under that. XXXX XXXX, Our last two attempts to withdraw payment on your loan XXXX from your account ending in XXXX were returned because your account did not contain enough funds to cover the payment. To protect your account, federal law prohibits us from trying to withdraw payment again without your permission. 

We may contact you to talk about your payment choices going forward and to assist in scheduling future payments. We can be very flexible, and we are willing to find the dates and amounts that will work best for you. 

Previous Payment Attempts : Payment due date Date of attempt Amount Fees Charged by Greenline Loans XXXX XXXXXXXX XXXX {$85.00} {$0.00} XXXX XXXX {$85.00} {$0.00} The Consumer Financial Protection Bureau ( CFPB ) created this notice to inform you of your rights under federal law. The CFPB is a federal government agency built to protect consumers. To learn more about your rights as a borrower, visit XXXX 

Thank you for being a Greenline Loans customer. For further assistance please contact our Customer Service Department at XXXX, option XXXX. 

Greenline Loans XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Monday - Thursday : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Friday : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I recently lost property and was evicted after fighting in court. I inherited a home through a quit claim before, My late mother who pass in XXXX. The debt was time barge and even fighting in court. A quitclaim was not enough. And while I tried relentlessly to save the property, shellpoint the mortgage servicing continued to violate the dual process in Illinois. After they sold the property in auction in XXXX. It was not enough for them but try to sue me for a debt that I did not even own and was not even under my name. Being under constant stress from this mortgage company. I decided to hire a forensic tax expert witness who will testify in court if ask. In XXXX I was mailed a XXXX statement from Shellpoint mortgage. They are XXXX balances. XXXX for the amount of outstanding debt. Second lower income treated as ordinary income- meaning rent falls under form XXXX -and XXXX. Us code sec. XXXX and XXXX amount of {$520000.00}. Was the pay off. This statement is not a fraud as much as what the IRS calls proper characterization of transactions. The irreparable harm caused by the concealment. And material misrepresentations in statements. ( 1 ) an advantage for the household where the court can see not being on the right argument. ( 2 ) the correct attribution of assets and liabilities triggers a tax and tax payer form 1099 that was mailed to me. ( 3 ) The courts aware of the delima ( conflict ) Which would seem a deceptive practice by the court but its the states its interest. In abandoned asset that makes the case pleaded so important to be keenly aware what us properly informed.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the outcome of my recent disputes regarding inaccuracies on my credit reports. The consumer reporting agencies ( CRAs ) have indicated that the creditors have " validated '' the accounts in question. However, I am submitting this letter along with proof of Metro 2 compliance violations, which highlight inconsistencies and inaccuracies that demonstrate these accounts could not have been properly validated.

Accounts in Question are attached to this complaint Inconsistent Reporting Across CRAs : The reported accounts contain inconsistencies in key data fields, such as the balance amount, date of first delinquency, or payment history. This is a clear violation of Metro 2 compliance, which mandates uniformity in the reporting of credit data under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Lack of Proper Validation : The FCRA obligates CRAs to conduct a reasonable investigation of disputed information. Given the attached evidence, it is evident that the investigation conducted was inadequate and failed to resolve discrepancies.

Failure to Correct or Delete Inaccurate Information : Pursuant to FCRA 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, the CRA must correct or delete the information. The CRAs reliance solely on creditor validation without addressing the evident inconsistencies violates this provision.

Metro 2 Data Reporting Standards : The Metro 2 format requires that data be accurately and consistently reported across CRAs. Attached, I have provided documentation showing that the accounts in question are non-compliant with these standards, which further calls into question their validity.

Applicable Laws Supporting My Claims FCRA 1681e ( b ) : CRAs are required to follow reasonable procedures to assure maximum possible accuracy in the consumers credit report. The inconsistencies and errors identified clearly violate this section.

FCRA 1681i ( a ) : When a consumer disputes information, the CRA must perform a reasonable reinvestigation. The lack of effort in resolving the discrepancies outlined herein suggests non-compliance with this requirement.

Fair Debt Collection Practices Act ( FDCPA ) : If the creditors reporting these accounts are considered debt XXXX, their failure to validate these accounts may also violate 15 U.S.C. 1692g, which requires validation of debt upon dispute.
Product: Credit card or prepaid card

I was trying to get my money back sent to my cash app account from some items I didn't need or want anymore so I called this number XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I could receive my money back in return so she had me XXXX purchase 2 XXXX money cards from the XXXX here on XXXX XXXX XXXX XXXX DC XXXX the says $ XXXX {$200.00} dollars can be added on the card so I've used my cash app card and got nothing in return so she said that {$350.00} dollars would added to one card and the other of {$300.00} dollars so I borrowed {$200.00} dollars from my XXXX XXXX XXXX so he used his personal card to send me the money on my cash app account to get the other car now I'm out of {$650.00} dollars behind the fact of me thinking I'm getting my money in return nit knowing it was a scam so I could XXXX company customer service and they gave me your number and information plus they said it was a scam now they are not trying to answer the phone
Product: Consumer Loan

Loan Me continues to harass me via phone before XXXX almost on a daily basis. They call from various phone numbers and they have also started contacting my ex husband for information. I never allowed them to contact him or even contact me at my job. They call from XXXX and XXXX usually before XXXX. They continue to harass me almost XXXX times in a day. I have tried to communicate with them via email and phone, trying to work out other payment options and they will not help me. They also served paperwork to my job regarding a potential judgement againest me and it was not sent in a privacy envelope, I was given the information in a interoffice envelope that someone in HR saw all my info regarding the judgement. I could be fired for this. And they have also called my employer several times even though I asked them to cease and assist.
Product: Credit card

Went to a wyndham timeshare thing in XXXX XXXX.I advised the sales people that I didnt want to open a new credit card. They convinced me and I agreed to do a trial run for 2 years, I gave them my personal information. I didnt think it would be a credit card. No one said it would be a credit card. As I had stated over and over that I didnt want to open a new one. Fast forward, I receive a Barclays card in the mail at the end of XX/XX/XXXX. I begin disputing the card, with Barclays. At that point I receive a letter stating the account is closed. I assume end of story. The next thing I receive, is a bill in the mail in XXXX stating I owe them money. I dispute again, I escalate to Barclays, XXXX Office of the President. I get an email from someone from their office, and another letter in the mail stating account closed. Again, I assume card closed, no more issues. On XX/XX/XXXX, I get an email from XXXX- a credit card I do have open stating that Barclays put a 30 day on my credit for non payment. Imagine my surprise and rage. As I had recieved no statements. I spent 30 minutes on the phone with XXXX ( XXXX ) who is supposed to be a supervisor. He told me that, mine dispute was declined as it was approved because I had provided my personal information. No one had called, I received no statements advising that account was open. I did get an email advising me to join something called an XXXX. Which I didnt. I dont what that is, I assumed it was a scam. 
On XX/XX/XXXX - I called back into Barclays and asked for assistance logging in to make a payment while this was figured out, because based on what XXXX said, I am going to be responsible for the amount due on the card. I was told, not to make a payment as the account was in dispute. 
This entire situation has been awful. Just awful. I worked really heard to get my credit where it is, I didnt come from a rich family. I am so mad and I feel so helpless. I have submitted to have the 30 day late removed, I am going to report both XXXX and Barclays to XXXX I dont know what else I can do. At this point I will just pay it, even though I dont think I should have to because I was clear in my wishes on not wanting to open another credit card. I dont want another ding on my credit for these companies.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check to my wells fargo business account. I was notified that the check needed to clear and it would be held for a certain period of time but no later then XX/XX/2024. On XX/XX/XXXX i received notification that some not all funds were available for use, however upon checking, none of the funds were released yet. Finally on XX/XX/XXXX the funds were released and i was able to access the funds. I moved XXXX via XXXX and afterwards wells fargo would not let me move anymore money through XXXX as they claimed I maxed out the amount i could move. 
On XX/XX/XXXX, i received a notification that the account was closed as of the XXXX and the funds would be mailed to me if any were left behind. The email stated i needed to contact the loss department. 
I contacted the loss department and they claimed that they believed the check to be fraudulent and had closed my account and any funds would be returned to me via cashiers check within XXXX business days. 
After XXXX days of nothing i contacted wells fargo in which I was informed that the check was sent back to the issuer because it was marked as fraudulent. 
I contacted the issuer who informed me that no such rhjng had happened and on the contrary, the check had been cashed and the amount posted ( the date i received that confirmation was XX/XX/XXXX ). 
I reached out to wells fargo loss department who finally told me the check was believed to be fraudulent by wells fargo and they had kept the money on hold instead but had lied to me when i had asked about it at first. I asked the representative to repeat what she had said to record it at which point she hung up on me despite the conversation being recorded by wells fargo. 
I contacted wells fargo again and was told that the issuer bank had to call the wells fargo loss department and file a claim. The issuing bank attempted to call but wells fargo has given them the run around. Wells fargo has kept over {$1100.00} that we needed.
Product: Debt collection

I contacted Best Service Company in XX/XX/XXXX to pay in full a balance owed. The representative XXXX XXXX took the payment of {$280.00}. Ms. XXXX also told me that I would get a letter in the mail stating this debt has been satisfied and the company would make a submission to the Credit reporting agencies in which the debt was being reported that this debt has a {$0.00} balance with a deletion. Sad to say this did not happen. The only thing that did happen was I received a letter in the mail stating the debt was satisfied in full. I called XX/XX/XXXX, I was bounced around from representative to representative, all of which were extremely rude. I was finally transferred to a supervisor XXXX XXXX, who was not much assistance either. He continued to be rude and speak over me. He told me the best he could do was to send out a letter that this debt was paid in full. He said they ( Best Service Co  ) had reported to the Credit Reporting Agencies that there was no balance. However when I did speak with each Credit Reporting Agency and they claimed that Best Service Co was still reporting an unpaid balance even though they had told me they reported the account paid back in XX/XX/XXXX. I have seen many other people having the same issues and I noticed that this company is suspended with the Secretary of State in California and as a Corporation in California this is simply illegal.
Product: Credit reporting or other personal consumer reports

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in XXXX years, I have seen many discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, TransUnion, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX. XXXX, XXXX {$530.00} XXXX XXXX XXXX, XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX, XXXX {$630.00} CREDIT XXXX XXXX XXXXXXXX XXXX, XXXX {$530.00} XXXX XXXX  Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there is an item on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. I routinely check my report, but this time, unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccuracies remained. Given this situation, I request a thorough review of the documents Ive submitted to ensure I never have to deal with this issue again.
Product: Mortgage

Rocket Mortgage refuses to deliver pay off amount due to needing to " make calculations. '' We started requesting pay off amount in XXXX for XXXX. We have missed 3 closing dates because they willfully withheld our pay off amount. We moved closing 3 times. They say we would have it last week, then Monday then XXXX, then yesterday the XXXX and again today. They refuse to talk to our lawyers. Today they told my husband that we " should have pay off number by Friday but maybe Monday '' This has been going on since XXXX!