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

Accordance to TILA 15 USC 1635 ( 3 ) & ( 4 ) did not disclose all rights. HJR-192 obligations of United States . 18 USC 514. Fictitious obligator 3-402 signature by Representative. Deprivation of Right under 14th amendment. 15 USC 15801 charge off is certification of indebtment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit report and found a hard pull from XXXX XXXX XXXX XXXXXX/XX/XXXX on my Equifax report that XXXX did not authorize nor initiate. I immediately contacted XXXX and spoke to someone who confirmed there was an application using my info. She said they would decline the application and remove the pull from my credit history. On XX/XX/XXXX I checked my credit again and the inquiry was still there so I submitted a dispute that day at approximately XXXX XXXX  on the grounds of fraud with Equifax XXXX Less than XXXX hours later I received a notification that the investigation was complete and the dispute denied - no action to remove the inquiry on my report. I then contacted Equifax on XX/XX/XXXX regarding the dispute and was told that I needed to contact XXXX to have them issue a deletion of the pull. Again, on XX/XX/XXXX I contacted XXXX who now claims there is no record of my previous contact or application under my name, social, etc and that I need to contact the credit bureau. Currently, the inquiry on my credit report remains, as neither XXXX nor Equifax will take steps to rectify the fraudulent report. 

If XXXX XXXX claims they now have no record of the credit application, then Equifax should have been able to remove the inquiry after contacting the company for verification after I submitted my dispute to them. This, and the less than XXXX hour turnaround time for my dispute, clearly indicates that Equifax made no attempt to contact the furnisher and simply denied my dispute with no actual investigative effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that is reporting on my credit report without my consent, without the proper investigation of said companies the bureaus are allowing to be reported on my credit is a violation of my consumer rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got alert from experian mobile app stating that I had account deleted which was XXXX XXXX XXXX and then couple hours later get another alert stating more score had dropped because they added back on my credit report then I called experian dispute dept. and they stated that its automatic but the furnisher responded in time I asked her why was it deleted if the furnisher responded in time it never should of been deleted then if they still had time doesnt make sense to me maybe legal actions may have to be taken towards experian for a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2018 I initiated a wire withdrawal of {$25000.00} from my account at Coinbase to my US-based private investment account. There is no evidence whatsoever that Coinbase made any attempt whatsoever to initiate the wire, despite the best efforts by me and my very capable financial advisor to look for it, but Coinbase nevertheless debited my account {$25000.00} and have failed to respond to customer service requests with anything other than automated responses that are not even pertinent to my issue. On one occasion they had the gaul to close my customer support ticket for no apparent reason. After I reopened my support ticket that they had closed, they asked me to provide information that I had already provided. I nevertheless provided ( again ) all of the information that they requested. That was 8 days ago, and there has so far been no further response from them.

Many others have been reporting similar problems with Coinbase on social media for months. This fact, coupled with the recent publication of a Coinbase bug that made it possible for unscrupulous users to credit their Coinbase accounts with unlimited ether, should prompt the CFPB to question the solvency of Coinbase.
Product: Debt collection

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for MEDICAL DATA SYSTEMS license. I have found they are in direct violation of  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. MEDICAL DATA SYSTEMS does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNE  SSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager  who has submitted an application on a form prescribed by the board.  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  MEDICAL DATA  SYSTEMS is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Product: Credit reporting or other personal consumer reports

I called to find out what XXXX XXXX sent to the credit Bureau to verify this fraudulent account on my report. I was told they verified a balance??? No Credit Bureau has any consent to share my info with anyone at any time. They are also showing financial amounts and figures, showing income, account numbers. Nor did they provide any forms, contracts or agreements signed by XXXX consenting to the use of personal information. This is covered under Kansas Statute 21-6107 Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit, which is exactly what XXXX, XXXX XXXX and EQUIFAX are doing. PERIOD As used in this section Personal Identifying information is : XXXX Name XXXX Birth Date XXXX. Address XXXX. Telephone I skipped XXXX I felt they were XXXX  XXXX. Electronic signatures XXXX. any financial numbers!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is several times I have found inaccurate ACCOUNT on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Santander Consumer USA for not removing a negative account that has been reported to the Credit Bureaus. It has been seven years since our first negative payment, we admit we were late due to loss of job, but we were able to catch the account up and get it back in good standing, the account was paid in full in XX/XX/2016. We disputed it with all three credit reporting agencies and all that was done was they responded with " we've updated the account to Closed '' ... ..The account was closed in XX/XX/2016 and we are disputing them still reporting it when after XXXX years from he first negative pmt it can be removed from your report. 
We have called this company and they can not give us any information regarding this matter as the account has been closed since 2016. Santander should remove this from my credit report since it has been seven years, but they are refusing to do so, or have any contact with us to explain why they are not removing it.
Product: Credit reporting or other personal consumer reports

Experian removed my current and correct address. I sent in my ID and they disregarded it they did not do a investigation. I only have XXXX current address which is XXXX XXXX XXXX XXXX XXXX XXXX Georgia. This is the address I use here on the CFpb this is my address. Experian can't tell me where I live I know where I live. Delete that address off my profile. They are not working on it they are not correcting anything they are sending the consumer in circles because they get paid from the creditor so they have no incentive to fix errors. Fixing errors means less money for them and they can hold some more people down financially. They are doing nothing when you dispute absolutely nothing. You send certified mail and they say it doesn't look like it came from you. Then who did it come from then? They said they deleted by mistake how can you delete someone address by mistake but you can't correct errors? How errors can't be deleted but true correct information can? They send this automated reply and stall and do nothing.
Product: Prepaid card

Dear XXXX XXXX Customer Service Team, I am writing to express my profound dissatisfaction with the handling of my XXXX XXXX XXXX account and the associated customer service I have received over the past month. My experience has been both frustrating and disappointing, and I would appreciate immediate attention to resolving the ongoing issues. 

On XX/XX/XXXX, I purchased and loaded {$190.00} onto a XXXX XXXX XXXX. However, when I attempted to activate the card via phone, I encountered an issue due to a hold on my account related to an XXXX XXXX account from XXXX. I immediately requested the closure of my account and asked for a refund check to be sent. 

Despite my clear request, I received no updates on the status of the refund. On XX/XX/XXXX, I called customer service again, only to be informed that the agent responsible for sending out the refund check had failed to do so. As a result, I was forced to repeat the process. I was assured that the refund check would be mailed between XX/XX/XXXX and XXXX, and that it would arrive no later than XX/XX/XXXX. 

However, I did not receive the check by the promised date and continued to reach out for updates. I was told to wait until the XXXX business day, XX/XX/XXXX, to request another expedited refund or inquire further about the possibility of having the hold on my account lifted, so I could use the card for limited purposes. 

As of today, XX/XX/XXXX, the hold on my account has been removed, and I am allowed to use the card for limited purposes. Yet, I still have not received the refund, and there has been a complete lack of timely communication from the accounting department regarding whether or not the check has been cashed. It is unacceptable for this issue to have remained unresolved for this length of time, and for business days to be counted in such an inconsistent manner. 

The lack of accountability and inefficient handling of my case has left me extremely frustrated. I am left with no choice but to reconsider my use of XXXX services going forward. I strongly urge you to address this matter immediately and ensure that the refund process is completed without further delay. 

Please provide an update at your earliest convenience on the status of my refund and any necessary actions you will be taking to resolve this issue swiftly. 

Thank you for your attention to this matter.
Product: Debt collection

This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved.
Product: Checking or savings account

On Sunday XX/XX/XXXX my cell phone along other belongings were stolen in XXXX, XXXX. I was not able to have access to a cell phone to report the situation to bank accounts and credit cards up until Thursday XXXX after my arrival back to XXXX XXXX. 
So, I reported debit cards and credit cards stolen to Chase Bank, but also requested to remove the two step verification linked to the phone number since I would not have access to it until I get a new phone and be able to revise transactions through the Bank 's website portal or at least to provide an alternate verification process. I had to call the bank, I made a mistake while trying to request a log in code access when accessing my debit card PIN number. Called back again, and the bank was closed already. So on top of the frustration of have been stolen everything I have to deal with sensibleness costumer service.
Product: Mortgage

I go to close on my XXXX XXXX XXXX XXXX property on XXXX/XXXX/XXXX ( one week and Monday is a Federal Holiday ). 

On XXXX/XXXX/XXXX advised by title company that Chase held 2 liens on my property ( HELOC & Mortgage. 

Took out HELOC ( Loan # XXXX ) with Chase in XXXX Refinanced with Chase Mortgage in XXXX XXXX. 

Chase HELOC paid in full ( at or shortly after close ) - not in dispute by Chase. 

Due to Chases ' negligence and indifference, thirteen ( 13 ) months after Chase admits that they were paid in full, my property is still being held hostage to their indifference which will very likely block the sale. 

XXXX/XXXX/XXXX Chase submitted Lien Release request to XXXX XXXX. 

Chase later following my discussion with XXXX  admitted that the XXXX document had been rejected due to error in submittal. They since have said they had re-submitted on XXXX/XXXX/XXXX or in XXXX XXXX ( but in neither but can they provide a copy of either doc. ) One Chase rep also said they received confirmation of lien release from XXXX having been processed ( again no copy available ) and before another Chase employee told me the re-submittal was in XXXX XXXX. Add to this a letter from Chase 's Executive Director XXXX XXXX, dated XXXX/XXXX/XXXX congratulating us on paying off our loan in XX/XX/XXXX( six months after the closing and after Chase supposedly submitted the 1st lien release request ; or a month after the latest date they claim to have submitted the 2nd request. ) I have begged to speak with their legal dept. and been told they have no legal dept and no lawyers at Chase ( Must be busy settling the $ XXXX XXXX in DOJ suits? ) Or to speak with someone in mgmt control to convey the urgency of the problem. Not only do n't they employ any lawyers but no managers either! 

I need Chase 's FAKE lien removed from my property in time for the XXXX to provide a clean title for our close next Friday ( XXXX/XXXX/XXXX ). 

I have spoken with no less than 8 Chase rep 's to date and have zero confidence that anyone cares or is even slightly motivated to resolve their negligence.
Product: Mortgage

After calling my mortgage servicer Fairway to confirm ahead of time I could overpay early my first mortgage payment with no issues I paid {$4500.00} on XX/XX/XXXX. As of XX/XX/XXXX this payment is not reflected, and as of XX/XX/XXXX I have not been able to get an explanation for this after contacting the company. 

I have documentation from the company indicating payment was made, and my bank account was debited on XX/XX/XXXX for this amount. I am trying to get an explanation from the company, but they have not been forthcoming with why my payment has not been applied to principle or interest and shows as my first payment still due. I fear they are trying to take more money from me outright without crediting me this first oaymeny, and even if they find the money they would charge me excess interest on top of this and avoid applying my payment to principal/interest early. I paid on XX/XX/XXXX and I expect my credit to principle and interest to reflect my payment, as I prepaid my XX/XX/XXXX first payment. 

I called twice but was unable to resolve this, and the service provider seems reluctant to put anything in writing so far. 

Please help me get them to reflect my payment. Happy to provide my documentation.
Product: Debt collection

Where are the 1099Cs that are provided as a result of writing off debt? I would like to make right with the creditors for these alleged outstanding debts. However, in order to properly do the accounting for the remedy, I need the 1099Cs so that I can properly discharge these bad debts. I conditionally accepted to contract with you further with regards to the above-mentioned on the basis that the Respondent establishes a valid proof of claim that this matter has not already been set off, settled, and closed and that a lawful contract which compels me to continue to perform to the letter of your Order exists and can be introduced on the record as an operation of discovery before this court ; however, Respondent has failed to respond with said proofs of claim.
Product: Debt collection

In XX/XX/2017, we were contacted by XXXX Aguisitions ( threatening ). It was about a credit card debt of {$300.00}. Payment arrangements were made and payments taken from bank account on XX/XX/2017 for {$100.00}, XX/XX/2017 for XXXX, and XX/XX/2017 for XXXX. That was to pay off debt. Today, XX/XX/XXXX, we get a letter from Midland Credit Management stating we owe the debt. I called them, and they insisted we owe it, and if I wanted to dispute it, they would put it into litagation. I have bank statements showing the payments taken out to pay this debt.
Product: Debt collection

I received two phone calls from family members on XX/XX/2019 around XXXX EST to tell me that a " XXXX '' from " Biltmore Asset Management '' had contacted them about me. I have no knowledge of this person or company and if I do have a debt with them, they need to be contacting me and not family members. That is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account XXXX XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent.

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX, that i sent a on ( XX/XX/2022 ) to Investigate the Innacurate Accounts : XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; .According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Debt collection

This collector has been calling about a debt and been calling posing as a law enforcement agency for years and I would like for them to cease communication altogether and stop the harassment. They have yet to be able to provide information on the alleged debt and have threatened to either sue or arrest me which is illegal according to the FDCPA
Product: Debt collection

A credit report showing I owed them XXXX. I have no knowledge of this account and had it removed from my report 2 times. This is the 5th time since it has been reported. I have no knowledge or responsibility for this account. The service date is XX/XX/2011. I have the account number upon request the company name is commonwealth financial sytems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding LLC # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report.