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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ''
Product: Checking or savings account

Someone opened chase credit card, saving and checking account with chase Bank using my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late in the month of XXXX only TIAA. They are telling me when you they report absolutely not following Federal consumer guildlines.
Product: Credit reporting or other personal consumer reports

My credit report shows errors linked to 15 USC 16c-2. The inquiries were not authorized by me and are negatively affecting my credit. Please remove them. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************
Product: Debt collection

This company is fraud, i have never opened an account with yet they are reporting inaccurate information on my CR. XXXX with XXXX. i never opened any account with the company. i have told them numerous times to remove this information, yet they keep it their expecting me to pay for something that is not mine. You all need to remove this stuff from my report now. This is not mine and someone used my information. it is unlawful to report incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed on several occasions with Experian regarding XXXX XXXX over the past 3 months with no outcome
Product: Debt collection

I XXXX XXXX contacted Experian XXXX and XXXX XXXX XXXX i also did many police report and ftc reports showing i was a victim of id theft i also sent many police report to block the reporting information i also contacted the companies XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the compaines are listed in the police report i file on online due to the covid XXXX XXXX police station only have you to do id theft online report so they can limited the traffic from their offices i also did a report to many compaines they sold my information to like XXXX XXXX  and XXXX  i been back and forth with the compaines for bout XXXX XXXX im getting the run around even those thses compianes is selling my debt they are still holding on to the debt on my credit report and not proplery beibg on honest on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had XXXX debts from on me from these companies and experian fraud unit denied me of right i ask to block the information on my reports.XXXX  did as well and XXXX im a victim of hardship being in a XXXX XXXX i was not able to stay on top of the matter but i ask to get help from these companies taken advantage of me wile im having a hardship i almost lost my kids because experain XXXX  XXXX  denied me of my rights. XXXX XXXX XXXX XXXX didnt help they sent me and limbos to get to speak top some one they have many complaints from me on recored with the cfpb nothing was not done. i also have ftc report file they didnt honor as well i need help to get the matter control im not able to help my self at all and cant afford to pay the debt that other done i ask for help i also spokke to the attorney general had no luck i hoping you would get to the bottle of this i been taken advatage of from these compaines in would like some assistance i try to speakwith a few comapines but wasunable to be verify but experian, XXXX  and XXXX  said i was verify witch we all know it was not accurate .15 usc1681 ( i ) 15 usc1681 ( c )
Product: Credit reporting

I have several accounts, inquiries, addresses, and name aliases that are fraudulent and incorrect i have a police report with the officer information XXXX badge # XXXX report number XXXX along with id theft affidavit notarized and my social and driver license .... please review this info ...
Product: Payday loan, title loan, or personal loan

NetCredit response to complaint # XXXX is NOT accurate XXXX my stubs clearly show all appropriate information such gross pa, net pay deductions and year to date. My Employers Tax ID is also on there shows as EIN. EMPLOYER. IDENTIFICATION NUMBER. 
Second bank statements were submitted 3 times Third XXXX benefits verification statements were sent to show additional income in adr to the paystubs, which is also shown on the bank statements as direct deposit. 
Employees at NetCredit needs up training. To know how to read the documents they requested
Product: Checking or savings account

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I am not liable for this debt, I do not have a contract with Credit Control and they did not provide me with the original contract as i requested
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has also violated my rights. 

They have reported different monthly terms and invalid late payments to my credit report for several months. 

I asked all 3 credit bureaus to investigate and they continued to report improperly with invalid information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the disputed accounts, their inaccuracies, and applicable regulations : 1. XXXX XXXX Account Number : XXXX Balance : {$2900.00} Reason : This account violates 15 U.S. Code 1681 as there is no valid evidence to support its accuracy. Please investigate and provide proper documentation or remove the account from my report. 
2. XXXX XXXX Account Number : XXXX Balance : {$4200.00} Reason : This account is in violation of XXXX. I request immediate verification of this account or its removal if no evidence is provided. 
3. XXXX XXXX Account Number : XXXX Balance : {$2200.00} Reason : As per 15 U.S.C. 1681i ( 7 ), this account was reported without valid evidence. Please provide the method of verification for this account or remove it from my credit report. 
4. XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is inaccurately reported as late in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/year>. As the balance is {$0.00}, I request you update this account to reflect Paid as Agreed under XXXX. 
5. XXXX XXXX XXXX Account Number : XXXX Balance : {$8000.00} Reason : This account violates 15 U.S. Code 1681. Please verify the accuracy of this account or remove it if proper documentation can not be provided. 
6. XXXX XXXX XXXX Account Number : XXXX Balance : {$10000.00} Reason : This account violates 15 U.S. Code 1681. Kindly verify the accuracy of this entry or remove it if substantiation is unavailable. 
Please provide written confirmation of your investigation and any corrections made to my credit report. If these accounts can not be verified, I expect them to be removed immediately in compliance with federal law. 
I have attached a copy of my credit report ( highlighting the disputed accounts ) and a copy of my identification for verification purposes. Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was hospitalized and have paid all necessary co-payments and this was covered completely by my insurance This company, nor the hospital ever contacted me regarding any outstanding past due amounts. 

These fees are outrageous This is damaging to my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inquiries. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Product: Credit reporting 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : XXXXXXXX XXXX  XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX  XXXX Account name : XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if they are still on my report, the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit card or prepaid card

A debit card payment was made XX/XX/2019, to rectify a past due balance. The payment was well over the past due amount. Upon taking the debit card payment, representative, " XXXX '', failed to inform me there would be hold although payment made via debit card. Additionally representative stated after me asking, that funds would be available the next day, XX/XX/2019. However, that was not true. After several declined {$61.00} attempts, then finally reaching a supervisor " XXXX, '' was I then informed of the hold. Explaining the situation to supervisor " XXXX '', I requested for the call to be pulled to demonstrate representative misinforming me AND lack thereof. Hold was eventually " lifted '' Tuesday, XX/XX/2019, after ASSESSING fees elsewhere, for the same type of transaction, in the amount of {$320.00}. A difference of {$260.00} from the initial declined authorization from which original debit card payment derived. On XX/XX/2019, I spoke with supervisor, " XXXX, '' who stated did not " see '' any notation for the request of call being pulled on XX/XX/2019 for a credit of the difference. Was again informed, in order for a credit to be issued, the call would have to be pulled and reviewed. A 2nd request ws then sent to " a higher up, '' XXXX, who would be, " giving me a call back within the next business day. Spoke again with supervisor " XXXX '' on the evening of XX/XX/2019, in reference to not receiving phone call from " XXXX. '' Whereas " XXXX '' responded he would again send over, now a 3rd request for the original call to be pulled and reviewed. On XX/XX/2019, still not in receipt of returned call, spoke with supervisor, " XXXX '' who stated no action had been taken, she was forwarding yet a 4th request, and if fee and/or charges were accrued outside of this card, credit would be issued, if proven it was an error by representative, however, not before review of call. Again told the same by another supervisor on XX/XX/2019 upon status check. On XX/XX/2019, XXXX whole days after initial request, a " higher up '' XXXX finally reached out to me. She informed me she pulled and reviewed the call, to find their representative, " XXXX '' had in fact failed to inform me of the hold, prior to taking payment, as well as, relaying false information even after my credit availability inquiry. " XXXX '' went to say that I was given incorrect information as to being credited for any expenditures, and they would " coach '' the representative. I explained to her, I am XXXX and due to their representatives error I was forced to spend and extra {$320.00} of my XXXX livelihood benefits. To date taking a total loss of {$570.00} of which I have to purchase much needed medications. So not only was I lied to, mislead, mishandled, and disregarded, Im now forced to physically suffer, at the hands of their representative, AND several supervisors. I ended the conversation informing " XXXX '' I will be contacting to include, but not limited to government agencies, with my formal complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to address the erroneous reporting on my credit report. Transunion had a public judgement ( they finally removed ) and other items that are not accurate. I have called them last year several times to request and correct my name and addresses. I have asked for a copy of my report via phone rep. over 3 weeks ago since I am not given access online with any credit report.com that allows viewing. I still have not had my request fulfilled. Transunion is not VERIFYING what is being reported and this is extortion and defamation of character. It has come to my attention that my XXXX is being used and non affiliated 3rd parties whom I HAVE NOT given written authority to are making malicious accusations on my credit. Tis is causing my extreme financial hardship, it threatens my housing stability, my peace, violates my consumer rights that protect me from such abuse. My identity has been reported as stolen and I asked that my file be blocked and suppressed XX/XX/2023. I have not had 1 communication sent verifying the accounts, inquiries, names and addressing that I believe is still on my credit profile XXXX, AND XXXX. Are also violating me the same way. I want to see verification done and sent to me by the CRA 's, if not verification is found I want it deleted.
Product: Debt collection

On XX/XX/XXXXXXXX  I just got served with an Alias Summons of a complaint was filed XX/XX/XXXX. The XX/XX/XXXX Complaint is signed by XXXX XXXX XXXX XXXX is serving someone with a complaint over a year old legitimate? 

How did they even get a Summons for a Complaint that is over a year old? 

The case number on the Summons is : XXXX and was filed XX/XX/XXXX. 

The XXXX is XXXX represented by Blitt and Gaines , P.C . 

This is for an old credit card amount the was written off by XXXX XXXX XXXX  with an amount owed of {$1200.00} I'm not aware of any court that allows a complaint over a year old to be served on anyone. 

Is this legitimate? 

Wow, I'm sure many lawyers wish they could get a summons for a complaint that's way past time to properly serve. 

I'm not a lawyer. I'd have to represent myself BUT, I'm not sure this service is proper given the date on this complaint and the date of the summons. 

At any rate, I'm on unemployment since XX/XX/XXXX so, I don't have a way to pay this amount but, I do owe it but, would need to make small payments but, would like to settle to pay only half of it. 

The guy that served it BANGED on my door to serve this. 

I'm feeling intimidated by a law firm that's seems to be making up its " own rules for going into court.
Product: Checking or savings account

On XX/XX/XXXX before I had to go to work I went into Wells Fargo to deposit two large amounts of checks awarded to me by the Unemployment Commission ( the state ) totaling {$17000.00}. The checks were flagged for fraud and my account was facing closing and a massive hold was placed on both of my accounts while I was two days into waiting for them to be clear. I contacted the Manager ( unemployment ) who actually released said checks for the fraud lift to be potentially verified and lifted. At no time did Wells Fargo give me or Manager correct information regarding correct and specific information without it being forced to lift the hold. Once we were both informed it would take 48 hours for the lift to be removed. I wake up this morning to my second account being in overdraft and my paycheck which was pending and was suppose to be deposited today was magically removed and flagged and another hold was placed for fraud. I had two days prior removed {$300.00} from savings account to checking and it was seen to be shown to still be pending but this morning the pending was now posted but my paycheck is now withheld and my money cant be touched once again. I have not receive any calls into the two complaints I have been forced to file regarding this difficult and suspicious fraud holds on my account after Ive called over 20 times. I have not eaten for two days and currently still arent able to access an account that I had previously had another check to be deposited 2 weeks prior and was not flagged for fraud. I feel these actions are suspicious and fraud within itself for them to keep retaliating against me while applying holds so I cant access my money when its their mistake. No real reason as to why the lift was applied within hours but I have to wait days and no apology was ever given sincerely and Im being lied to and disrespected just trying to fix their mistake. I went into my local branch XX/XX/XXXX since Wells Fargo blamed them for the issue all together and they were even shocked up until I spoke with the Manger in the branch and she said they have been experiencing fraud checks like mine and from the Treasury department but to my and Manager ( of the unemployment commission ) surprise no information was forwarded to them in regards to said fraud nor the FBI besides that though my checks were proven to be good. I feel Im being racially profiled and discriminated against or someone is deliberately trying to steal from me and not allowing me to access my accounts creates further turmoil and injustice for me. Ive been calm and respectful up until today while starving because they keep acting as if I have no reason to be upset or to even call about their own fraud being done to me or even record encounter and treats me like a dog throughout the entire encounter and Ive been a member since XXXX. Im only trying to withdraw all my money to escape this illegal chaos of corruption. Please help me in doing whats right. Something is really wrong with the Wells Fargo bank and something needs to be done so the next person like me dont or wont have to endure this behavior at any time in their life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX will automatically default any form of payment to their cobranded credit card on file, regardless if you manually select another payment to use. 
This has happened on two occassions. On the first occasion, I entered my XXXX credit card ending in XXXX manually and selected the card as payment. However, upon transaction, I noticed that the credit charge was made without authorization on my XXXX credit card ending XXXX. I called XXXX and a lovely customer service representative was able to assist me in processing the refund to both my card and re-crediting my miles. I proceeded a second time this time via XXXX, with both the log in and a confirmation page prompting me to use my XXXX credit card ending in XXXX. Again, the transaction defaulted to my XXXX credit card ending in XXXX and did not even utilize the transaction via XXXX, despite logging into XXXX via the XXXX prompt.
Product: Debt collection

I moved out of XXXX of XXXX XX/XX/2021 I gave them a proper 60 day notice. They gave me a refund upon my moving out. I have proof to show the email they sent me to show a refunded amount. This IQ company is reporting fake information. I have looked this company up and they try to get people to pay them with fake information. I sent my proof to XXXX and I did not know all they do is call IQ they didnt investigate. Please look into this and have them to remove it immediately.. Please. I can provide copies of every month I paid my rent on time the entire time I was there. They are not licensed to collect in Texas.
Product: Debt collection

I submitted a verification of debt letter to the company, along with a copy of my driver 's license and they responded with a letter stating that my dispute was " frivolous or irrelevant '' and that I " did not provide sufficient information to investigate '' even though it included the first five digits of the account that is in question, my contact information, along with my signature for them to provide information. I have included a copy of my dispute letter as well as their response.
Product: Debt collection

Portfolio Recovery Assoc. calls my job daily some days up to 3 times a day asking for me after we stated this is a work place and to not call the company back. Too many dates to name it has been happening on the daily for past couple months and now its affecting my job due to the sales department has to answer all calls so not like we can ignore the call. But my job is upset with me because of it!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 {$2500.00} dollars were stolen from my account at COINBASE.COM I called the company immediately but they never answer and only communicate via email, they have no security or protection and guarantees for investors they do not want to accept any responsibility. And they say that when an unauthorized transaction is made it is irreversible