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

According to the Fair Credit Reporting Act, Section 15. U.S.C 1681 ( E ) ( B ) Procurement of consumer report for resale, A person may not procure a consumer report for the purpose of reselling the report ( or any information in the report ) Unless the person disclosed to the consumer reporting agency the originally furnishes the report. Per the IRS web portal Once an account has been moved to Charge Off status the Lender has filed a discharged debt to Cancel or forgiven the debt and the debt is now considered canceled or forgiven a XXXX Form should be issued due to the date being paid. 

According to the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), you are required by federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could Fax, mail or email in a fraudulent account, According to the Fair Credit Reporting Act, Section 15 U.S.C 1681 ( A ) 2 Congressional Findings and statement of purpose. I did not give written permission to have these account furnished on my credit report, I demand to see verifiable proof An original consumer contract with my signature on it that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, Unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove these accounts listed below. 


I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
SELF/SOUTHSTATEBANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX {$140.00} Charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Acct # XXXX {$480.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX Acct # XXXX {$390.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX Acct XXXX XXXX {$400.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Acct XXXX XXXX {$180.00} charged off as of XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies in my credit report and to address issues related to the timing of my payments under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. Dispute of Credit Reporting 15 USC 1681 ( A ) ( 2 ) Under 15 USC ( A ) ( 2 ), I have the right to dispute information that I believe is inaccurate or incomplete. I have reviewed my credit report and found the following discrepancies : Account XXXXXXXX XXXX : Dates : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date of Last Activity Inaccurate XXXXXXXX XXXX XXXX  Last Activity Inaccurate XX/XX/XXXX Equifax Last Activity Inaccurate XX/XX/XXXX Amounts XXXX  I am requesting the removal of late payments of inaccuracies...
Product: Debt collection

XXXX & XXXX THIS DEBT COLLECTOR HAS BEEN COMING AFTER ME FOR YEARS FOR AN UNKNOWN DEBT I ASKED TO RECEIVE A COPY OF THE ORIGINAL CONTRACT FOR THIS DEBT. COLLECTOR HASN'T PRODUCED ANY PROOF OF DEBT BEING OWED. COLLECTOR IS ATTEMPTING TO GARNISH WAGES I FROM A DEBT THAT HAS NOT BEEN PROVEN TO BE MINE AND THE DEBT IS OUTSIDE OF THE COLLECTION WINDOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX XXXX XXXX : {$290.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 credit inquiries on my XXXX credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform me.
Product: Checking or savings account

In my checking account there is {$1100.00} and Wells Fargo decided to randomly close my account because as they state it, it was a company decision they said ill get the remainder in a check sent out to my address. As of XX/XX/year>, my account is in the process of being closed so i have no access to my funds and i cant pay for anything.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX numerous times and the final time was X/XX/2017, about not being able to access my credit file. I was told that information was incorrect in my file and that i would need to send a copy of my Social Security card and Drivers licence. I have complained and called many times regarding not being able to access my information. The Customer service agent began to read out information that was totally incorrect in my file. I believe that the information contained in my credit profile is wrong and unauthorized. I asked to have unauthorized inquires and unknown addresses removed in a letter that was previously sent to XXXX. I never received a response regarding that letter.
This poor handling of my personal information has made it very hard for me to obtain credit and move forward with a positive quality of life.
Product: Checking or savings account

My account has been frozen because voice id did not match. I uploaded the requested documents on XX/XX/XXXX and since then have reached out daily for resolution but to no avail. Everytime they say that they are trying to contact the back office but never reach out with a reply or reason as to why it's still frozen. 

Account is frozen since XX/XX/XXXX, checks failed to pass since XX/XX/XXXX, Submitted documents since XX/XX/XXXX reached out to multiple financial advisors and at least 10 times on phone. 

The institute is Morgan Stanley Private Bank.
Product: Debt collection

I want your help to remove this XXXX  in my credit report because this is not okay and XXXX  should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/2029. The sales person who was working with me or trying to make that money with me used Santander and he was also the one who hot me insurance. Since he knew I could have gone back to the guy I saw the day before if he didn't give me a better deal so he used his resources by Getting me insurance where I didn't speak to whoever got me that insurance. And the Bank that gave me the loan has underwriting guidelines saying that they need the agent 's name, the company 's and coverage must always be full coverage. It was my first time getting a vehicle. What happened is that they gave me the vehicle without full coverage and the bank definitely conducted business against their own guidelines because it would benefit them. I didn't know that Comprehensive coverage is not full coverage. I signed the papers XXXX  days after I got the vehicle. On XX/XX/XXXX, someone crashed into my vehicle. My insurance company is not paying for my car not the person 's insurance that hit me because they're saying I had a STOP sign even tho that guy hit me while I was done crossing. I'm in this because XXXX the bank Didn't bother to confirm full coverage which is required by their guidelines and the insurance company did not ask to speak with whoever was getting that insurance because that person was helping the sales person get the deal since they know each other. Now I am stuck with a {$25000.00} loan and no car to drive. I definitely need help
Product: Money transfer, virtual currency, or money service

X/X/17 U.S. CITIZEN LIVING IN THE U.S. - I PHONED IN A CROSS COUNTRY WIRE TRANSFER OF XXXX XXXX FROM MY TD AMERICA BANK ACCOUNT TO MY TD XXXX BANK ACCOUNT. THE AGENT DID NOT ASK MY XXXX ACCOUNT NUMBER, ONLY ASKED ME TO CONFIRM THE LAST 4 DIGITS. X/X/17 THE MONEY LEFT MY TD AMERICA ACCOUNT. X/XX/17 MONEY STILL HAD NOT ARRIVED. I CALLED CROSS COUNTRY WIRE AND WAS TOLD A TRACER WAS PLACED ON THE MONEY AND I WOULD RECEIVE A CALL FROM INVESTIGATOR IN 3-5 DAYS. GAVE ME A PHONE NUMBER TO CALL FOR " INVESTIGATION ''. X/XX/17 RECEIVED WRITTEN CONFIRMATION OF THE WIRE AND SAW THAT A NUMBER IN THE RECEIVING ACCOUNT HAD BEEN TRANSPOSED FROM 6 TO 8.
X/XX/17 CALLED THE " INVESTIGATION '' PHONE NUMBER - IT WAS FOR THE LOAN  DEPARTMENT. CALLED CROSS COUNTRY WIRE TRANSFER AND WAS TOLD IT WAS A XXXX TRACER NUMBER. CALLED MY XXXX BRANCH WHO SAID THEY WOULD LOOK INTO IT. X/XX/17 MY XXXX BRANCH CALLED BACK NEXT MORNING - SAID MONEY HIT THE NONEXISTANT XXXX ACCOUNT AND WAS BOUNCED BACK TO AMERICA.
CALLED AMERICAN SIDE AGAIN AND WAS TOLD TO CALL BACK LATER FOR SUPERVISOR " XXXX XXXX ''. CALLED BACK LATER - WAS TOLD HE WAS IN A MEETING. X/XX/17 - HAVE NEVER RECEIVED A CALL FROM TD AMERICA BANK. HAVE NOT RECEIVED THE MONEY INTO EITHER XXXX OR U.S. ACCOUNT. THIS WIRE TRANSFER REMAINED SOLELY WITHIN THE TD BANK FINANCIAL GROUP. THEY HAVE OUR FULL ACCOUNT INFORMATION ON BOTH SIDES OF THE BORDER.
Product: Credit card

I get as many as XXXX calls a day from cardholder services. 
Some on my cellphone different numbers and ignoringdo not call.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  XXXX Date Open : XX/XX/year> Balance : {$2500.00} Account number : XXXXXXXX XXXX  has violated my rights. 

15 U.S.C 1681 602 A States I have 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 or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act XXXX. XXXX XXXX account is reported as charged off which are considered income and income is not lawfully reported to my credit report.
Product: Credit reporting or other personal consumer reports

I just noticed a hard credit inquiry from DT Credit XXXX XX/XX/2022. There was no direct benefit or authorization for DT Credit to access my personal information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/year> | XXXX : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( XXXX ) resulting from trafficking that should be blocked : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Amount : {$180.00} Date : XX/XX/XXXX Amount : {$2300.00} Date : XX/XX/XXXX Amount : {$38000.00} Action Taken : Yesterday, I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXXXXXX XXXX  to inquire if the disputed/questioned/ challenged/ or still unproven compliant information YOUR firm is required to provide to them was being processed. I was aptly informed that none of the above-detailed entities agree that you acted LAWFULLY much less COMPLIANTLY to federal reporting laws upon dispute/challenged/or compliant of possible mis information upon a consumer credit report. Fact is, per these entities above listed, absolutely NO SUCH information had been received by them from you! UNMISTAKABLY, This is a clear breach of the FCRA and the FACT act not even to mention irrefutable ignorance to the mandates of the Metresult of the CRSA. 

I am VERY KNOWLEDGEABLE of my consumer rights and most importantly of your MANDATED OBLIGATIONS as related to consumer complaints. NAMELY you are required to transmit this information to the creditor in a federally defined timely fashion and ensure the creditor responds back equally in the federally defined timey fashion. OBVIOUSLY, to me, YOU, and likely JURISDICTIONAL CIIVL COURT to which I might elect to file suit versus you b your infringements, in this case you have failed- MISERABLY so in fact! 

FURTHER, YOUR that your failures AND THAT OF THE ABOVE NOTED ALLEGED DATA PROVIDERS is undoubtley and clearly significantly impacting my credit score. 

Experian is also purposely sending an automatic generic response to delay and stall their response to send me what I am asking for. I am representing myself only. I am NOT a third party entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was attacked, resulting in a hacker gaining access to 143 million names, social security number, birth dates, addresses, and driver 's license number. My personal data were among the impacted records. Protection of such sensitive information should be any company 's first priority, and I believe Equifax has proved itself undeserving of the responsibility of holding such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc on accounts all XXXX XXXX XXXX XXXX XXXX XXXX all XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX  ( all )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit file inquiry by US Bank was not initiated by myself. 

On XX/XX/2022 received a credit alert that my credit file was disclosed. 
To : US Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - XXXX
Product: Credit reporting

I have noticed XXXX accounts on my credit report that I am un aware of. 
XXXX XXXX and XXXX. I have tried to contact these companies by the address listed on the report for debt validation and have gotten no response. I would like Equifax to investigate and provide me with documentation they receive.
Product: Bank account or service

A check was given to me for services rendered. The check posted and was cleared. 2 months later my bank informed me that the check was fake and was returned. This check was for XXXX. Check writers bank ( wells fargo ) never contacted me to ask if person who wrote check stayed at our Group Home. I have all kinds of proof that check writer and his wife both stayed with us for XX/XX/XXXX. My complaint is about the process the bank followed to arrive at their conclusion. If it is a fact that both husband and wife stayed with us then HOW DID THEY PAY FOR SERVICES rendered??? Did wells fargo ask for proof of how they paid for this service? NO they did not. Why not? 
The check writer signature is the same as on our Resident Agreement Contract. But if you notice when we took him and his wife to the doctors for a XXXX he signed for both him and his wife. Both signatures are different and also different from the alleged fake check. I would like proof from wells fargo how they paid for these services. This reversal never should have occurred until these questions are asked of the merchant. EXAMPLE You take XXXX friends to florida and rent a nice beach house for a month for XXXX and then lets say 5 months later I call wells fargo and say hey wait a minute I did not write or sign that check. Wells fargo says oh ok ... ... ... ..and then BOOM ... ... ... merchant is now out the money they worked hard for. There must be something in place that will help the merchant also. My belief is that wells fargo did not follow proper steps to keep the merchant side protected. I am very happy to supply any witness or document proof to show in fact both husband and wife did in fact stay at our Group Home for XX/XX/2016. My efforts in all of this is not about just getting my money back but to also look at Banking Institution Policies and procedures that end up hurting the merchants. 
Wells Fargo could very easily contact us but they choose not to. 
I am surprised this type of thing is not being used by world wide scammers ... ... ... ... ..it seems like a perfect scam. Just open an account with wells fargo and then go on vacation and then 3 months later say you never wrote the check. Wells fargo will check a few signatures and then just get your money back.
Product: Debt collection

Collection Agencies : XXXX XXXX XXXX  and XXXX XXXX XXXX The above collections are trying to collect from me under false pretenses and they are damaging my credit report. They have reported themselves as the XXXX XXXX when I never applied for anything from them. This is fraudulent and they are in violation. I don't even have an application on file with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had earlier filed a complaint regarding to TransUnion on XX/XX/2022 that they are reporting incorrect SSN on my credit report asking TransUnion to correct SSN on my credit report. I was requested to send in my SSN card, copy of my driver 's license and a cover letter which I have sent in twice already but when I call to follow up, I do not have any positive response from the credit bureau hence been tossed to and fro over the phone, having conversations with minimum 3-5 representatives all of them giving different informations and ends up giving me different case/file numbers ; # XXXX, XXXX, XXXX. This is hindering my finances and ability to close on my home Please see the attached.
Product: Checking or savings account

On XX/XX/2023 I deposited a check for {$2500.00} in my checking account from a local bank into my Flagstar checking account. Even though Flagstar received the funds from the deposit within a day they are still refusing to release my money in my account without cause or reason. Today is XX/XX/2023 and they have told me they intend to hold my money until XX/XX/XXXX with no cause or reason. Flagstar is illegally holding my money so they can collect interest on the funds.
Product: Credit card

I purchased XXXX items from Kohl 's using Kohl 's Charge Card online ( order # XXXX XXXX. I refused delivery with the carrier and the items were returned to Kohl 's. Kohl 's has refunded XXXX item but refuses to refund the other item and Kohl 's Charge refuses to reverse the charge. I never got possession of the item so expect the charges to be reversed. There were purchased together and shipped under the same tracking number and where refused delivery at the same time. So I am puzzled why Kohl 's have decided to reverse the charge for XXXX but not the other.
Product: Mortgage

We closed on our mortgage through XXXX on XXXX/XXXX/2016. Our first payment is due XXXX XXXX, and I received a random phone call on XXXX/XXXX/16 from Freedom Mortgage telling me they bought my loan. The representative on the phone told me my payment was due XXXX, then changed it to XXXX. When I go online it says XXXX/XXXX/16 first payment is due. I never received a fifteen day notification that my mortgage loan was transferring and now I am trying to get a straight answer as to who I send my first payment through. I have received no bills from anyone.
Product: Credit reporting or other personal consumer reports

Still working on the issue, WELL TRUTH BE TOLD ONLY THING EXPERIAN IS WORKING ON IS HOW TO SWINDLE THE NEXT XXXX  AS REQUESTED FORWARDED TO F.T.C AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm reported an account as charged off on my XXXX  credit report. No account number was furnished. The said balance was {$290.00}. Although the payment status of said account is reflected as " Paid account/was a collection account, insurance claim or government claim or was terminated for default ''. The last monthly reports for XXXX and XXXX stated that the account is still showing as Charged off and not in good standing as it should for a paid account. This is in violation of the agreement proposed by affirm to settle part of the balance to report the account as paid and in good standing. 

Additionally, there was another account with a balance of {$520.00} settled on the same day which is showing as 90 late on XXXX and Charged off on XXXX. These are in contradictions with the timeframe of the settlement and payment.