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

Affiants ' personally identifiable information has continued to be trafficked by third parties without consent or copyright license through an organized criminal scheme aimed at depriving liberty under the color of law. Affiant has been impacted by this scheme in a new manner : through companies engaging in impersonation and unlawful conversion for extortionate extension of credit by infringing upon copyright laws for the purposes of slavery. 

These companies falsely portray themselves as lenders, when in fact they are unlawfully extending credit using the affiants ' own credit, while keeping the par gold spot rate value, by deception and without disclosure. They engage in copyright infringement by exploiting affiants ' copyright-protected indigenous property for their own financial gain, a form of modern slavery. 

In these actions, they knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright-protected indigenous property. This constitutes a flagrant infringement upon Affiant 's exclusive rights as a copyright holder, protected under the XXXX XXXX XXXX copyright registration XXXX, with the XXXX XXXX XXXX.
Product: Checking or savings account

I received a letter from Bank of the West that says I opened an online account on XX/XX/2022 and XX/XX/2022. 

I did not open any accounts with that bank. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

Midland Credit Management calls my phone every single day from XXXX-XXXX. I blocked their number over 300 times. Then, they have called from a different number. They call all day every single day and they are disrupting business, which places a substantial burden on my ability to earn a living. I asked them to discontinue the calls on XX/XX/XXXX, at XXXX XXXX, but the calls continued. Last night on XX/XX/XXXX, they called after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should be sent to Equifax, XXXX, and XXXX  I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly
Product: Credit reporting or other personal consumer reports

This morning, I noticed that my credit report contained inaccurate accounts, and I have no clue why. I check my report frequently, but this time, unexpected discrepancies appeared. I tried refreshing my browser, thinking it was a temporary glitch, but the errors remained. Because of this, I am requesting a detailed review of my submitted documents to resolve this issue permanently.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$590.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$93.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$4100.00} Open Date XX/XX/XXXX XXXX  Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$440.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX have been trying to remove these inquiries from my credit report for the past three. My final written request to the credit bureaus was received on XXXX XXXX. They have yet to respond to delete the following inquiries. Please remove immediately.
Product: Checking or savings account

Wells Fargo Bank Wells Fargo picks and chooses when they are going to charge overdraft fees and when they are going to pay a bill or not. I will go to sleep and my account it positive and there is enough to cover pending charges. Then all of sudden days later the date of the charged is changed and I have been charged an overdraft fee. They have recently even had notices within the app that says your balance amount may not be accurate. In this unprecedented time I don't feel like Wells Fargo wants to see it's customers succeed. I have a second chance checking account and because of some hardships I am limited in who I can bank with. I feel like Wells Fargo takes advantage of the underprivileged. When I spoke to Wells Fargo representative they lacked empathy and professionalism and did little in the means of acknowledging my concerns. The spokesperson I spoke with name was XXXX. You would have thought I was taking money out of her pocket by the way she addressed me.
Product: Debt collection

The collection agen cy Carter Young Inc failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. They did not produce the documents establishing liability to them. In US law encyc lopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Carter Young Inc o n  XXXX / XXXX / 17  and received a letter stating that my dispute was investigated and validated by the original creditor   XXXX    XXXX   XXXX , however, I did not receive validation, only a letter claiming to be validation.  Carter Young Inc ar e reporting invalid and inaccurate information on all  XXXX  credit bureaus :  XXXX ,  XXXX , and  XXXX .
Product: Checking or savings account

Hello, I need to dispute 3 transactions made with my debit card due merchandize not received. I couldnt reach the dispute department by phone. 
XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX I should have received all on XX/XX/year>, I tried to reach the seller several times but they never answered, please proceed with the chargeback request due merchandize not received. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiries : XXXX ORIGINAL Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates requested removal of negative items from my Cheksystems report are XX/XX/2021, XX/XX/2021, XX/XX/2021. This company hasn't removed any of the negative items. Items described as Account Abuse, and Overdrawn
Product: Debt collection

Company called XXXX ; clearly informed customer service not to ever call again received additional call after notification on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have refused to pay the debt on any of these collection accounts and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Also, in pursuant to 15 USC 1692 ( g ) only the original creditor can validate a debt and that is me. The companies who have violated these consumer laws are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, i had received a wrongful derogatory notice from XXXX XXXX XXXX. it was about missed payment which never i was not aware of .So i have decided to pull out the full report of my credit .I have found so many unrecognized inquiries which i never requested.Those inquiries are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not have any affiliation with those companies mentioned above and i want their fraudulent inquiries to be removed in my credit report. 
Thank you for understanding and your assistance.
Product: Money transfer, virtual currency, or money service

Good Morning, Im unable to withdraw my money from a cryptocurrency trading platform called Gemini. I have contacted them through email multiple times with no reply back. 

When I try to withdraw my money I get the same issue for weeks now. Pending Verification. They were able to take my money though. 

I appreciate any help getting this issue resolved on my behalf.
Product: Debt collection

My complaint does not actually fit into any of these categories. It is a complaint against Synchrony Bank, financing via G.E. XXXX XXXX XXXX XXXX via Conn XXXX Appliance XXXX XXXX XXXX. I feel that Conn 's was not clear in communicating the terms of the finance deal and Synchrony is also guilty of the same and also of preying on consumers by applying higher than usual interest rates for products purchased through financing.
Product: Debt collection

I received a letter in the mail saying that it's XXXX Collection Services and they are collecting my debt from XXXX. I double checked with XXXX and I have no outstanding balance. It's a scam.
Product: Mortgage

In XX/XX/2019 I was contacted by my mortgage company, Freedom Mortgage, where they offered me a lower VA rate if I accepted a refinance through them. They advertised that they could switch my mortgage to the new rate and by XX/XX/2019, I would be able to skip a payment and move forward with a lower rate. After months of miscommunication and lack of follow up by Freedom Mortgage they blamed the VA for the process taking so long and said they didn't have the proper documents to prove my service ( even though I already had a VA loan through their company. ) Finally, I was able to schedule a closing in XXXX. Freedom Mortgage cancelled the XXXX closing without notifying me. I then rescheduled in XXXX, where they cancelled again without justification or notification. The VA rate that Freedom Mortgage gave me is higher than the average VA rating with other mortgage companies. They only contacted me to keep my business, knowing that their rates are higher and are now dragging me through this process in order to prevent me to refinance with another company. This is an unfair and deceptive trade practice and is causing me and my pregnant wife much aggravation and stress. It has taken them over 5 months and they still are unable or unwilling to close on my refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing these inaccurate items on my account long before, and until now, no response from the three bureaus and creditors themselves. On XX/XX/2022, I filed a dispute again with the three bureaus concerning several incorrect items, but it had been a month already still got no response. They still trying to collect me with these amounts of {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inaccurate manner.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXXY ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been contacted 2 times by Credence Resource Management and requested bills BOTH times and never get them. The first time I ask for a bill to be sent to be was when they decided upon them self to email it so it was probably deleted, the second call was when they did not send a bill bit offered to setttle the amount due for a different amount. 


The thing XXXX raised red flags for me was it is so hard to get this company to send a bill to my house with so much fraud going on I want to verify the debt not pay a settlement of something I never owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed inquiries to be blocked and deleted company information from TransUnion. 

Please delete the following inquires : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I initiated the following disputes that have not been processed within the required 90-day period. It also appears that Alliant has been collecting payment for items in dispute, against FTC rules. 

XX/XX/XXXX  {$230.00} XX/XX/XXXX  {$140.00} XX/XX/XXXX  {$4.00} XX/XX/XXXX  {$30.00}
Product: Mortgage

I had a mortgage with Indymac bank since XX/XX/XXXX with a {$250000.00} for 15 years. In XX/XX/XXXX, I retired so my income was drastically reduced. My loan was modified for 40 years. My loan was transferred to Ocwen loan Servicing, which I later found out is the same company. According to Ocwen, an escrow analysis showed that I have over {$4000.00} negative balance. My payment was raised from {$1600.00} a month to {$2400.00} to cover the shortage. According to Ocwen there was a {$2600.00} escrow shortage from XX/XX/XXXX that was not included in the modification in XX/XX/XXXX but why will my payments go up by {$700.00} a month and the modification was done wrong by them. No one knows why this happened but they want me to just pay the money. I continue to make my regular payments according to my modification every month because I asked at the town hall if my taxes had increase, they said no. Where did the shortage come from nobody knows.
Product: Credit reporting or other personal consumer reports

Dear CFPB I disputed inaccurate information with Experian in regard to this account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian stated the information was verified and accurate and remains. After checking my credit report the information is still obviously inaccurate! On my Experian report the account displays an open date of XX/XX/XXXX but this account was actually opened XX/XX/XXXX. XXXX. The report shows the payment history begins XX/XX/XXXX which is another inaccuracy! Those are clear inaccuracies that experian allowed to remain on my credit report. 
The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of my credit report from XX/XX/XXXX from experians website HIGHLIGHTING ALL THE INACCURACIES. Ive attatched results from the experian of them claiming the account remains with the inaccuracies still reporting throughout the account. NOT TO MENTION, i checked my XXXX credit report to see that this account isn't even being reported. How is it possible that XXXX and XXXX removed this account but not EXPERIAN, when XXXX XXXX is the data furnisher? CFPB Please force experian to delete this unlawful inaccurate account from reporting immediately! Ive asked for correction to account already twice! This is my right per FCRA to request the deletion of this account. FCRA ( a ) in general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item. The continued reporting of this account puts both experian and XXXX XXXX XXXX  at risk of litigation where they will be lawfully obligated to pay {$1000.00} per inaccuracy reporting. All I'm asking is that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days. XXXX XXXX XXXX  XXXX XXXX THANK YOU
Product: Checking or savings account

Avoided check XXXX XXXX XXXX XXXX XXXX Submitted check to set up auto debit I find this to be form of misconduct throughout Wells Fargo check was cashed as payment no payment was due premium of {$32.00} per month for XXXX XXXX XXXX XXXXXXXX XXXX I believe this to be a fraudulent act of crime my account is excessively overdrawn with these I have patiently awaited a resolution it is now up to {$83.00} time frame has existed there is not a extended line of credit offers I can not understand why? Maybe also an act of misconduct through the insurance agency itself with XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Been a customer here for years many cards none will be used until and unless this is resolved properly.XXXX  keeps rebilling me XXXX now i never received these items as such there is nothing they can provide regarding card ending XXXX to dispute this. because items never received. I was told by citi 2 weeks ago since i know citi will just rebill me if i dont make my needs rights known that i would get affiadavit to sign that items were never received. never received it. I also have an email from my development that items are being stolen from here. My concern is that i have consumer protection rights and that i am not rebilled when XXXX  sends that it was delivered since i never received the items they were likely stolen. where is the affidavit to sign? i was also told 2 weeks ago not to worry i would not be responsible for it. I want to protect myself. NEVER RECEIVed so they cant disprove that. i will suspend use of all cards til this is handled right. Send affidavit or pull the call wherein i was told i would get it to sign