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

XXXX XXXX XXXX XXXXXXXX, is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXXXXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( XXXX ) and the person ( XXXX XXXX XXXX XXXXXXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXXXXXX XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXXXXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXXXXXX XXXX XXXX XXXXXXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXX XXXXXXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for XXXX greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX XXXXXXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXXXXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Mortgage

loan care took over my loan and when i called XXXX and talked to a repersenitve they told me to make my payment in XXXX days. so i did and make a payment on XXXX XXXX and it showed on my balance. than on XXXX they auto drafted another payment. and from that day on i can not get it back, they want my bank statements with balance 's and everything before they can process a refund and mail me a check in XXXX days. but there web site has no secure way to do that until i complained about it. it has been more than XXXX business days now so they know the payment has cleared my bank but still need bank statements in pdf form. i think this is just not right and very unprofessional to say the least for me to have to submit to god knows who this information. they can see and know it has cleared there is no understanding by these people or bank. this is how people get hacked is passing out information that dont need to be, they have enough information to take they should be able to put it back.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( 2 ) personal credit card accounts opened at XXXX XXXX XXXX XXXX on around XXXX XXXX, XXXX bal. {$1600.00}, XXXX XXXX XXXX XXXX opened on/around XX/XX/XXXX bal {$10000.00}, XXXX XXXX  opened at XXXX on around XX/XX/XXXX bal {$260000.00}, XXXX XXXX XXXXXXXX ) opened on around XXXX, XXXX XXXX bal. {$8600.00}. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I send a wire transfer to coinbase on XX/XX/2017 purchase cryptocurrency in the amount of {$20000.00} dollars and they responded with this email. 

You recently sent a wire to fund your Coinbase or XXXX account for {$20000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing. 

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or GDAX account. For more information, visit the Bank Wire Deposit section of our payment support page. 

If have n't received your funds after 7 business days, please But now it has been well over a month and Coinbase has not done the reversal bank wire and every time I emailed then about the money they reply with a generic response that they are backed up and soon they will send all bank wire, but I need help recovering this money PLEASE HELP ME IM LOOSING HOPE AND THIS HAS COUSED A HARDSHIP ON MY FAMILY THEIR IS NO ONE TO SPEAK WITH AT COINBASE THE COMPANY HIDES BEHIND EMAILS AND WONT RESPOND.
Product: Credit card

I am writing to address a serious issue related to my personal and business accounts with Bank of America. I have been a loyal customer for over XXXX  years, maintaining a very good payment history with both my personal and business accounts. Recently, I encountered an issue where my credit limits for both personal and business accounts were suddenly decreased without justification. 

I received a letter from Bank of America notifying me of the decision to reduce the credit line on one of my personal credit cards. However, I was not informed about the reduction of my business credit card limit or the limit on another personal credit card. I discovered these reductions only when transactions were denied, causing significant inconvenience and frustration. As a long-time client with a very good payment history, I believe this lack of communication and the subsequent impact on my business is unacceptable. 

The impact on my business has been significant. As a XXXX XXXX who creates custom XXXX and XXXX XXXX, I rely heavily on my credit lines to purchase high-quality materials, maintain inventory, and manage cash flow. The sudden decrease in my credit limits has restricted my ability to fulfill client orders promptly and invest in marketing efforts to attract new clients. This has not only caused financial strain but also affected my reputation and client satisfaction. Furthermore, this issue is affecting my future business prospects and personal financial stability, as it limits my ability to expand my business and secure necessary funding. 

I am deeply concerned that Bank of America has discriminated against me by decreasing my credit limits despite my long-standing history as a reliable customer. This action seems unjustified and has further compounded the issues caused by an erroneous credit report entry by XXXX XXXX, which has incorrectly reported a business credit card on my personal credit report. 

New Information : Recently, I received a letter from Bank of America notifying me of the decision to reduce the credit line on one of my personal credit cards. However, I was not informed about the reduction of my business credit card limit or the limit on another personal credit card. I discovered these reductions only when transactions were denied, causing significant inconvenience and frustration. As a long-time client with a very good payment history, I believe this lack of communication and the subsequent impact on my business is unacceptable.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and I noticed some hard inquiries that do not have permissible purpose. I have attached the following inquiries below : XXXX ) XXXX XXXX, XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 
2 ) XXXX, XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 
3 ) XXXX XXXX XXXX XXXX XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my consumer report and notice I had XXXX late payment from XXXX different companies XXXX XXXX and XXXX XXXX and to be honest Im a smart consumer and I am fimilar with certain laws. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The XXXX accounts in questioned below should all be updated to paid as agreed on my consumer report. Please help me wityh this matter
Product: Debt collection

On XX/XX/XXXX my bank account was put on hold for {$2400.00} and a " legal fee '' was charged by the bank in the amount of {$120.00}. I spoke to XXXX from XXXX XXXX XXXX because my bank informed me they were the firm who provided them with a court order. I explained to XXXX that their information was inaccurate because the only Capital One credit card I have is currently active and in good standings, it's also a secured credit card. In prior years I had also had a Capital One bank account and if anything would have been linked to my name they would have informed me at the time. I NEVER received not a single document from this firm. Through my further investigation, I found that this same debt, I disputed when another collector attempted to collect on it. I filed a complaint against that collector and Capital One, in which Capital One responded with a letter dated XX/XX/XXXX. 
In this letter Capital One states " We have reviewed our record and found that we are not reporting this account to any of the CRAs. Please note that your account charged off on XX/XX/XXXX, and was then placed with multiple collecting agencies. The first agency was XXXX, placed on XX/XX/XXXX, through XX/XX/XXXX. The account was then placed through the XXXX XXXX ( XXXX ) with the firm XXXX XXXX XXXX, XXXX on XX/XX/XXXX. This firm was previously called XXXX XXXX XXXX XXXX XXXX. We have contacted the firm to inform them of your concerns, and have updated their records with your request for a cease on collection efforts. They have no records of having speaking to you ''. I have also faxed this letter to XXXX on XX/XX/XXXX to the fax number she provided me which is ( XXXX ) XXXX. Capital One also states that this account was opened online and there was no signed copy of an application, which could explain why I was not aware of it. I acquired my first credit card in XX/XX/XXXXwhich happened to be a secured Capital One credit card. My information must have been stolen during the several times I lost my wallet throughout the years. Once again, I never received any form of communication from Capital One or XXXX XXXX XXXX regarding this matter until I saw it in my credit report and disputed it. I've forwarded my mail through USPS to wherever I lived and never did I receive correspondence for this and I did not live at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I'm contacting the credit bureaus in order to have this corrected.
Product: Vehicle loan or lease

I have tried to get this loan modified by the company and other resource and this company Santander will not let me do anything. the interest rate is 19.08 % We got this truck in XXXX of XXXX and now it XXXX XXXX and we still owe XXXX on this truck and we have tried to get it refinance and everything no one will refinance cause of the interest rate is so high. I have tried on several occasional to get my interest rate lowered I haved tried to get everthing done but this company will not do anything to help us. My husband is a XXXX XXXX and we are finialy strap cause this truck payment is so upside down till no one will touch it.
Product: Credit reporting or other personal consumer reports

Ive disputed with Equifax, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amounts of {$190.00} and {$260.00} being reported on my Equifax credit report. Ive requested Equifax and the collection company to verify I owe such alleged debt, it has been well over 30 days for Equifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Equifax responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Equifax, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Debt collection

This debt was owed in the year XX/XX/2004, a date 14 years previous to this year. I did not begin receiving notices of the amount owed until 7 years ago. It has been another 7 years since then. My understanding of the bankruptcy laws is that the working poor have the debt discharged after 7 years. After another 7 years, there should no longer remain any record of such debt. I have neither the time nor the resources to take this matter to small claims court, to bankruptcy court, or to any other court. When I do not work, I am not paid. I do not work every month of the year. When I work, I do not work every day of the week. When I work I get paid, but only when I work. I need a break from the onerous burden of having to go to court for every little matter than time, given time, has the time to heal. May this debt collection agency be ordered to cease and desist harrassing me for a debt that long ago ceased to be held against me? It is not the original credit card company or bank servicer anyway ; it is some johnny-come-lately predator seeking to frighten me into paying it off. I owe them nothing for the fact of their having discovered this older-than-a-decade debt!
Product: Credit card or prepaid card

Credit report showing an account I am not an owner of. 

JP Chase Morgan bank Credit card was opened on XX/XX/1994, I was 7 years old at the time.

Chase bank has no information on the account and nothing on their end shows any such account associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Discover Financial Services placed an inquiry on my report. I responded to a Pre-Approved offer by XXXX that stated that my credit report would not be effected. I did not authorize Discover or XXXX to place this inquiry in my report. Although XXXX  guaranteed that my report would not be hurt, it was done against my will. 
I have tried contacting Discover numerous times by phone but no one answers to my calls.
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. 
Account name 1 : XXXXXXXX XXXX Account number XXXX : XXXX Account name 2 : XXXX XXXXl Account number 2 : XXXX I looked at my Equifax credit report back in XXXX and noticed some things are incomplete and inaccurate. It ranges from everything to dates being wrong, credit limits wrong, balances wrong and most importantly Payment history inaccurate. I have sent numerous dispute letters and can not get them to delete or modify the accounts appropriately. My screenshots from XXXX prove the misinformation they are spreading that remains on my credit report. According to the fair credit reporting act whenever a consumer reporting agency prepares a credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any further investigation 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- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are not supposed to 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. 

Please hold Equifax accountable by making them remove these accounts from my credit report and send me a copy of the updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Ive managed to keep up with my payments consistently. 
But on the date of *XX/XX/XXXX & XXXX XXXX My payments show up as late because I wasnt allowed to use two cards ( Two Different Forms of Payment ) to make a payment that forced me to pay the other portion a day later causing my credit score to drop by 94 points. It will be a great relief to get this removed from my credit report. Its not that I didnt have the money to pay it, but rather I wasnt aware that two different cards couldn't be used. If there is a recording you will hear me mention this to the operator that night *XX/XX/XXXX. * I read the agreement and I dont see where I am not able to use two different debit cards. Please accept this as a goodwill letter I would greatly appreciate it and thank you for your time & service in advance.
Product: Debt collection

I got sold a bad lemon car through us auto sales. The car broke down within 60 days of purchasing. They didnt want to fix the car through warranty because my agreement was written incorrectly and I didnt sign the new contract. I need it off my record.
Product: Debt collection

I have received information from the credit reporting bureaus that this collection is accurate, yet I have not receive a verification and validation letter to show proof that this collection is accurate and owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 n 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 XXXX 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 n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I have an online account with BBVA. I am attempting to access my money in the account, and have the funds sent to me, and close the account. As of today, there is {$10000.00}. 

The bank is not allowing me to have access to the funds that I have. They refuse to send me a check with the funds. They insist that I travel to a branch to take out the funds, even though the closest branch is over 1000 miles away from me, and they solicited my business in the mail. 

Alternatively, they will charge me fees, a ) for me to transfer the money to myself, with daily and monthly limits on how much I can obtain, and b ) will set limits on wire transfers to myself, and c ) charge daily and monthly fees once I obtain the monies that are mine. 

Additionally, I have spent hours upon hours on the telephone attempting to get someone to help me, and I am being transfered from person to person, and get hung up on all the time. It appears that the bank 's MO is just to make people 's life so difficult that they just feel that it isn't worth it. 

I would like to be able to access all the money in the account, free of charge, and to close the account. I do not beleive that I am the only one in this predicament, and this is how the bank earns income. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting incorrect information on the account listed as XXXX. There are late payment s listed on the account that are inaccurate. Transunion knows a consumer credit account is open ended and therefore can not be late. The late payments are also listed as 30 60 90 120 120 which is also inaccurate. Transunion stated that the information was verified as accurate I would like the documents used or persons name in which they spoke with to confirm this information about me. Credit bureaus are required to conduct reasonable investigations and Transunion have not.