23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

From My Chase bank checking account I sent {$4000.00} to XXXX to be transferred to my bank account at XXXX in XXXX. After 5 days XXXX said they did not receive the transfer. I was told that it was better to cancel th transfer to XXXX. I cancelled it and waited for it to go back into my Chase account ( XXXX XXXX, XXXX XXXX, Georgia XXXX ). 

After week one I was told to call the transfer office online. While abroad I called an XXXX number to reach someone in XXXX. I explained the saturation and was told that they need to send the information to the back office. For another three weeks I called 5-6 times a week with no results. 

Almost two weeks ago I called my bank. After many days and many calls I was finally about to speak with a person at my bank. She made calls and did research and said there the transfer was only Just called back. She said there if it was not back on Monday over a week ago, then I should call back again. All week for one week I called the branch several times a day. Last Wednesday one of the bank employees answered the phone. He said to call the transfer line and asked me to hold. Phone cut off again. Once again for the test of the week and now this week calling XXXX time a day every day. Also sent an email to the bank manager several time. Finally I get an answer that I should ask the intermediary bank for the money back. I wrote back in an email that I do not have any information of the intermediary bank and I am asking them to follow up with contacting the back to get the money back, especially if they need more information. Now it is almost 8 weeks. still no answer or money back.
Product: Credit reporting

in XXXX this company appears on my credit report I asked them to send me one prueva of this debt now in XXXX this company appears on my credit report with a charge of {$500.00} aks that information of this debt i never received approved of this derbt never contac me and no results only it comes out that this update this account so therefore I want this debt is removed
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXE # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXXE # XXXX, Account Name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

XXXX has taken back a previously sold debt, which may be a violation of federal consumer protection laws. 
Originally, this alleged debt was sold by XXXX to XXXX XXXX XXXX XXXX XXXX attempted to collect on it but failed to provide proper validation, including : A copy of the original signed contract A Purchase Agreement proving they legally owned the debt A 1099-C form proving whether the debt was written off Since XXXX XXXX XXXX could not validate the debt, they returned it to Fingerhut/WebBank. However, if XXXX previously sold the debt, they no longer have the legal right to collect on it or report it to credit bureaus. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), XXXX must now validate the debt before attempting to collect or report it. I have formally requested : A copy of the Purchase Agreement between XXXX and XXXX A full account history, including proof that I agreed to the debt A 1099-C tax form if XXXX wrote off the debt XXXX  has failed to provide this information, yet they are now attempting to collect on or report a debt that was previously sold. This raises serious legal concerns, including : Possible tax fraud If XXXX claimed the debt as a loss and issued a 1099-C, it is illegal for them to attempt to collect on it again. 
Illegal re-aging of debt Reporting an old, previously sold debt as new to credit bureaus violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ). 
Unfair debt collection practices XXXX is trying to collect a debt that was already transferred to another company and then returned without legal proof of ownership. 
Requested Resolution : XXXX must immediately remove any reporting of this debt from my credit report. 
XXXX must provide the requested documentation proving they legally own the debt. 
If the debt was previously written off, they must provide a 1099-C form proving it was canceled. 
If XXXX can not provide this documentation, they must permanently cease all collection and credit reporting activities related to this account. 
If XXXX fails to respond, I will escalate this matter to the Federal Trade Commission ( FTC ), my State Attorney General, and the Internal Revenue Service ( IRS ) for potential tax violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No 95-cv-01743 ). 

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the 3 CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on XXXX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compaint is on XXXX I did not know that this entitiy was in kahoots with XXXX. I just ran for XXXX in XXXX XXXX 2022. I had XXXX they let them shut down my whole communication. For the whole race. I am a two time business owner and it was a business account. I believe this credit bureau should be charged and locked up. They have all our information on their hands and we can't trust them. I have been trying EVRYTHING to fix my credit report with this entitity for over seven years. The had a data breach involving XXXX, and all our personal, and business account where compromised. Yet I have been trying to be compensated for all my I.D theft. They report old, false, someone else 's bills they accumulated from stealing my I.D I have FTC reports, CFPB reprots, I have certified, emailed, spoke with 1,000,000 people in this seven year span of destroying my life. I can't get a job, an apartment, credit cards high interest. My life is unlivable. being uneployed and broke. Everytime I erase something off that I did not do They act like the going to raise ith then they drop it. How they should be putting all americans credit at 800 after the allowed hackers to steal OUR lives. I need for this entitiy to put my credit score to XXXX immediatly, if not Next course of action is Civil lawsuit. I need to here from this entity immediatly. They have no score when you look my credit score up. I had to do all the work to dispure all this ID theft nad inaccurate reporting. I'm mentally and physically drained out trying to fight All three credit burueas for their mistakes. This is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX as Trustee wrongfully foreclosed on our home. 

1. XXXX is named indispensable party in Federal complaint. XXXX as Trustee wrongfully answered the complaint. XXXX did not answer complaint. 
2. Attorney for XXXX represented different corporate entities regarding XXXX in XXXX XXXX XXXX Court. 
3. Loan was still in original XXXX XXXX trust after the foreclosure and sale indicating the loan had not been satisfied and removed from the trust as the Pooling and Servicing Agreement ( PSA XXXX states should have been removed or replaced by a similar loan. 
4. No original note was filed in any court and note was not assigned to XXXX. 
5. Only a fraudulent XXXX assignment of Deed of Trust was presented in court. 
6. No corporate disclosure for XXXX was filed in federal court. 
7. XXXX Memorandums from XXXX should not be used in any foreclosure actions. This should verify beyond all claims that XXXX, as Trustee committed a wrongful foreclosure. 
8. Representative of XXXX states that XXXX has no equitable interest in any of the loans that it is trustee for. 
9. XXXX, as Trustee claimed to be owner and holder of XXXX loan in federal court. Memorandums presented by XXXX show XXXX, as Trustee is not. 
10. Attorney for XXXX falsely claimed that documents presented were original, true and correct and they were not. This attorney contradicted his statements regarding same which upon information and belief could be considered perjury. 
11. XXXX is registered to do business in Tennessee. XXXX, as Trustee is not registered in TN. 
12. Fraudulent documents were consistently produced by attorney for XXXX, Litton loan, etc., but were claimed to be true and correct throughout the federal complaint. 
13. The XXXX never received any notification that the loan had been satisfied. 
14. The XXXX never received any IRS form XXXX from any entity connected with their loan. Upon information and belief, this could be considered tax evasion by these entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX did not conduct a proper investigation and wont tell me what source they got their information. The XXXX XXXX XXXXXXXX account ending in XXXX is attachment account. The mailed me a letter stating they will not reinvestigate. Conducting an E-Oscar investigation is not a proper investigation. I will attach the police report and the EQUIFAX letter they mailed me. In accordance with the Fair Credit Reporting act, EQUIFAX has violated my rights.
Product: Credit reporting or other personal consumer reports

I have filed a Report with FTC ( REF # XXXX ), regarding the following unauthorized Inquiries on my Consumer Report. 
15 U.S. Code 1681 b - Permissible purposes of consumer reports I did not give verbal or written permission for my information to be shared with XXXX XXXX XXXX, this is violating my rights as a Consumer. 
The following XXXX XXXX ran XX/XX/year>, HARD INQUIRY XXXXXXXX XXXX XXXX ran XX/XX/year>, HARD XXXX XXXX XXXX XXXX  ran XX/XX/year>, HARD INQUIRY Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer sent TransUnion a affidavit about items on my report without my permission. 

Title 15 1681a ( 2 ) ( b ) and 15 1681a ( 2 ) ( c ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer
Product: Debt collection

I received a letter from Prince Parker and Associates who is attempting to collect a debt from XXXX XXXX. I have paid XXXX in full when I cancelled my service, but they continued to try to bill me after cancellation, which is what they are attempting to collect on. Prince Parker did not have a right to dispute notice. Despite this, I did send a notice of dispute, along with proof where an XXXX associate stated I will be fully refunded for the amount they were trying to collect from me when I didn't have or use their service.
Product: Debt collection

On XXXX/XXXX/15 I sent Central Credit a cease and desist letter. They continue to call me XXXX times a day from different telephone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a fraud dispute with the FTC report attached for fraud to Equifax. They told me with a valid FTC report it would take 4 days to remove. They were not removed. Equifax opened p another dispute on XX/XX/XXXX. They once again said it would take 4 days. Those fraudulent items still were not removed in a timely manner. On XX/XX/2021 the dispute was completed and I received a confirmation and letter confirming that those items were removed from my report. They have not been. It has been almost been 75 days and those items still remain on my Equifax Credit Report after I received notification that they were removed.
Product: Credit card

When your bill is past due ( around 10 days or so ) they begin harassing you by phone to try and bring the account current. I'm talking 10+ calls a day from multiple different numbers, often with restricted or blocked numbers and other times with your local area code to try and get you to answer. 

They never leave a message, they will just hang up and call back, sometimes just 20 or 30 minutes later. 

I have never actually missed a payment, it's been late a handful of times ( for which I get charged exorbitant late fees anyway ). They are basically a schoolyard bully trying to intimidate you into paying your bill. 

If you ask them to stop calling, they will turn the calls off, but then they lock your card and refuse to allow you to make purchases even if you have credit available until you agree to be harassed by phone again.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3.XX/XX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Please remove it from my credit report. 

13. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

14. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  Account Number : XXXX Please remove it from my credit report. 

15. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

17. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting

TransUnion Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.