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

XXXX XXXX placed a collection for {$5600.00} on ALL XXXX Credit Bureaus ... XXXX, Equifax, and XXXX. I became aware of this in XX/XX/XXXX. 

WHAT HAPPENED : XXXX  On XXXX i saw XXXX was on my credit report. Never having received anything to do with this company nothing, I sent a letter. XXXX  see attached ). 
** On XX/XX/XXXX XXXX I was SUED by XXXX XXXX. ( Still, I had never heard of them or from them XXXX. 
XXXX XXXX XX/XX/XXXX XXXX I responded. 

-- -- - After waiting out LVNVs continuances for documents.On day of courtXXXX is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES. 

On XX/XX/XXXX = COURT DISMISSED XXXX Fundings case. CASE DISMISSED ..XXXX XXXX see document ) On XXXX XXXX XXXX XXXX XXXX write ALL XXXX AGENCIES requesting they REMOVE XXXX XXXX off my report AND THEY ARE REFUSING. 

PROBLEM : XXXX  and Equifax refuse to remove after receiving XXXX XXXX XXXX. XXXX Their reason to me= they continue to wait for XXXX XXXX  response REQUESTING HELP FOR RIGHTS 1. I requested XXXX  ; who I had never heard of get off my credit report. I was proactive and requested XXXX XXXX verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN XXXX  days later= IM SUED BY XXXX XXXX. 

2. XXXX XXXX continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed. 
THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE EXPERIAN, TRANSUNION AND EQUIFAX REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I asked for validation Original sign contract proof that I owe this debt & balance to mail documents to me I never received any proof.
Product: Checking or savings account

Venmo froze my account for no reason at all and did not give me a heads up. They have all of my money and I haven't been able to feed my XXXX grandchildren that I have custody of. This is all the money that I have. It's been since last week and I haven't been able to buy groceries. I am crying and begging someone to please help me. I'm not rich and I am very poor. I have almost {$300.00} in the this account and it was got groceries for these babies. Please, Please someone help me. We also had a bad storm come through my town and we have been out of electricity for 13 hours already. People are trapped in their homes and many are dead. I need to feed my sweet granddaughters. I have sent in my driver 's license and changed my email address and password. I have done everything they have asked me to do. Can anyone please help me? How is this fair? This is my hard earn money that I work hard for to feed my children.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I should have gotten my SSI check today XX/XX/2020 but my account was closed on the XXXX of XXXX. There was no letters from the bank saying there was a problem. I called the 1800 number talked to four different people. I was told that a supervisor was calling the main bank and they would get back to me. No did so I called back and was told I needed to work with my back about my funds that was in the account. They closed at XXXXXX/XX/XXXX today. So nothing anyone could do. I talked to my bank twice today. No one could tell me why my account was closed. I was told they sent letters out, but they could not find any they sent out. So I can not pay my rent feed myself or my pets and I cant get my truck fixed tomorrow. Had to get a appointment for that. All I was told was they was sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit on XX/XX/2022 using lending tree. Despite having a XXXX credit score, I was denied based on inaccurate information on my credit report. 

I was told there is a credit hold, despite this not being true. I feel this was used an excuse and in reality I was denied because of my age. 

Marcus by Goldman Sachs listed XXXX as a credit report source, however when speaking to a rep, she told me Marcus by Goldman Sachs does not use human, they use an AI Algorithm. The rep then said they use XXXX XXXX. However this was not disclosed IAW Fair Credit Reporting Act After speaking to XXXX, they verified no such credit freeze exists. I think I was denied illegally.
Product: Credit reporting or other personal consumer reports

Wellsfargo banks active cash card reversed my balance transfer in XX/XX/XXXX for {$12000.00} after I had complained in XX/XX/XXXX that they hit my credit XXXX points during the balance transfer from XXXX XXXX account to a personal account. During my research of finding a good balance transfer card, No one in their department mentioned that this will be personal credit card and the balance is on an LLC card hence, it hit my credit XXXX points. They were asked to reverse my credit balance right away to XXXX back in XXXX, XXXX XXXX, after my complaint of this incident and pleaded them to reverse the balance right away they never approved it. However, I reopened the case for some justice, and asked to be spoken to managers, executives to reverse it but no one got in touch with me for months. I figured when they finally did call me, c In XXXX, 5 months later in and said theyre working on a resolution I thought they would come back with one but not having to do with reversal of balance this late!!!. However after 6 months after had rebuilt my credit XXXX points, one night they up and reversed my balance of {$12000.00} back into XXXX account without talking to me or asking me if thats what I still wanted. 
Now that balance is back to 20 % interest on my XXXX my credit isnt good enough for another interest free card since its XXXX and not XXXX, and Im not happy at all the reversal this late without my consent. all of it in an XXXX card when I had paid off {$1000.00} of it. In XXXX they asked if they wanted me to move forward with a resolution but I didnt know they can go into my account and apply the charges. XXXX now paying 20 % interest on that balance and XXXX XXXX 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. 

Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX : # XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX 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.

I was the victim of identity theft years ago and was unaware of the proper steps to take to rectify these issues and it has spiraled out of control and caused a multitude of financial setbacks in my life. I have notified and provided the creditors as well as the bureaus with documentation stating such in detail and they willfully remain negligent and noncompliant with the law and my rights under these laws and REFUSE to remove these fraudulent and inaccurate accounts and further more fail to do a proper investigation and fail to provide me with any documentation as to how these accounts belong to me when in fact THEY DON'T. I have also submitted numerous complaints with the CFPB as well as my states attorney general as well as disputed these items directly with the bureaus they are listed and as well with the creditors all of which decline to rectify the situation. I am submitting yet another complaint under a separate email in hopes my complaint will be heard and someone will follow through with holding these parties accountable in ensuring they report and maintain accurate and correct information only.
Product: Bank account or service

After I returned merchandise and did n't get my funds back, I opened dispute with US bank. A month later I was debited funds which were credited back to me previously. I even provided tracking number when I opened the dispute. When I called the customer services was rude and di n't listen to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/ XXXX XXXX XXXX Date of inquiry : XX/XX/ XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX  XXXX XXXX  Date of inquiry : XX/XX/ XXXXXXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry:XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX, TransUnion, XXXX. Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX ( XXXX ) under the account number XXXX, a XXXX XXXX under the account number XXXXXXXX XXXX -. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXXS Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

This is a continuation of complaint submitted last year XXXX XX/XX/XXXX XXXX Case No : XXXX. 
Lender is again sending threatening letters that they do not have a copy of my insurance policy when in fact they do have on file per conversation XX/XX/XXXX Letter states that must provide proof of insurance within 10 days. Informed lender again that property is fully insured and there is no HOA policy in effect.
Product: Vehicle loan or lease

I want to know if I was harmed by illegal activity since I had a Wells Fargo car loan that may have had higher interest and fees charged to my account but I am not sure how I can verify if I was affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires all reporting agencies to follow up and investigate those inquiries in question or delete. 

XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX XXXX  ; Date : XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to removethe items listed below 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 XXXXXX/XX/XXXX
Product: Credit reporting

There is XXXX credit card account with XXXX XXXX XXXX that I have no knowledge of and there is a post office box listed as a address that I never had.
Product: Credit reporting or other personal consumer reports

Experian has 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 Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer. I have sent in letter after letter filed numerous complaints through this system as well and Experian only sends me automated messages and emails every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't realize that being a victim of fraud would take me through some many challenging obstacles such as fighting this hard to redeem my true identity back. The credit reporting agencies are still reporting unverified, unauthorized accounts inwhich is unconstitutional and against the consumer laws of the FCRA. I will be also filling with the FTC if this is not corrected immediately. I've written to all 3 of  the major credit agencies to provide me with the Method of Verification, inwhich should include a certified physical signed contract and mailed to me. However, if this can not be vertified by these means then this accounts shall be blocked from my credit report immediately and permanently. The accounts I'm demanding to be removed are : 1 ) XXXX XXXX XXXX 2 ) XXXX {$71.00} 3 ) XXXX XXXX XXXX   {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX XXXX XXXX {$30.00} 6 ) XXXX   XXXX {$140.00} 7 ) XXXX XXXX XXXX {$680.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX
Product: Debt collection

I was advised by the business that they would remove the tradeline from my credit report after two years from the date first became delinquent, if the account was paid in full. The account has been paid and it has been two years since delinquency. I contacted the business and placed a dispute through XXXX, yet the tradeline still remains on my credit report.
Product: Credit card

I've had NOTHING but constant problems dealing with this company in reference to everything but foremost with the way they handle disputes & fraud. After researching I see that they're actually ALREADY in trouble about these same issues & something needs to be done expeditiously. Cause us as consumers are the only ones suffering from this. Goldman Sachs are NOT doing their jobs in regards to handling or investigating disputes properly. They just bill you for transactions that you didn't make & /or fraudulently. Even when they themselves sent you alerts telling you that suspicious activity is going on with your account and it's been compromised. They take forever getting back to you & IF they choose to they just make up stuff & say they've investigated when in fact they haven't whatsoever. I've even sent proof of things with tracking numbers, videos, email exchanges and tons of these showing that transactions aren't legit but yet they don't care to do their jobs by even checking into it. They even pretend to dispute transactions but NEVER do. My apple wallet was compromised with several of my cards and EVERY other CCC that was compromised handled things accordingly EXCEPT Goldman Sachs. They have my account maxed over & above by just throwing charges and fees on there that I'm not responsible for whatsoever. Just so much ridiculous nonsense. I have just about every kind of credit card there is to have but this Apple Card with Goldman Sachs is by far the absolute XXXX! Then I asked them for a hardship program due to ALL of this yet they told me one isn't available for me. But they can just treat & scam me however they choose to do. They promise to have supervisors call you back when you contact them to complain. They NEVER DO THAT EITHER! I seriously don't understand their purpose. I am XXXX & also have a XXXXXXXX XXXX and these issues are affecting XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are false credit card balances being reported to credit reporting agencies from capital one and XXXX. They are inaccurate!
Product: Checking or savings account

In XX/XX/year> I applied for an XXXX XXXX on a website called XXXX. I also send my headshot with identifying details for the job as requested. The job sent an email back congratulating me on the position and further details as it was a modeling position for a clothing/shoe line whereas they sent me a check for mobile deposit in the amount of {$2600.00}. They also suggested that I rent a studio where after the money was deposited to my account I sent a XXXX in the amount of {$1800.00} to another person requested by the person that sent me the check. Later the {$2600.00} was returned and my account became overdraft {$1600.00} because I only had {$200.00} available. My account is not supposed to be able to overdraft only because this money was made available and money was asked to be sent. I filed a complaint for fraud that was later denied because Truist bank claimed that the transaction was authorized although it was a scam. Now XXXX left with an overdraft account.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIATELY! du
e to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

This company is purposely using stall tactics so that they do not have to remove this information from my credit profile. I have already been harmed for quite a while from them as a consumer and as a citizen. They never sent me any information and continue to blatantly act as though they can not find my account. If you can not find my account, REMOVE this information and stop reporting to the credit bureaus effective immediately. I have repeatedly asked this company Receivables Management to provide the contract that I have signed with this company. I do not owe this debt that they have placed on my credit profile. The debt looks like it had an original balance of XXXX dollars to date the debt is well over XXXX dollars and increasing every week! Receivables Management is hitting my credit profile each week with negative information and increasing the debt XXXX dollars every week. This is illegal and is a direct violation of my rights as a consumer. This company is violating several FDCPA laws and refusing to uphold and operate ethically. Furthermore, I am not responsible for this debt. I am demanding that Receivables Management delete this account from my credit profile immediately as I do not owe this debt.