23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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.

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was at work. Around XXXX I had gone on my break and found my wallet missing. I work at XXXX so I was checking to see if any of my coworkers had seen it. After about XXXX minutes I had given up finding my wallet and continued to work. Deciding to call the bank later to issue a new card. Around XXXX I had noticed that my card had a charge of 2000 listed under my purchases. I never purchase anything from XXXX that is around 2000 and was confused when the bank did not notify me. I called the bank that night and told them the situation and they said they would take a look at the incident. However, it has shown that they denied my fraud claim.
Product: Checking or savings account

On XX/XX/2022, I opened a Truist checking account. The account number is XXXX. 

On XX/XX/2022, Truist sent me a mail saying that all of my accounts have been closed for fraud prevention. I received the mail only on XX/XX/2022 when my paycheck had been scheduled to deposit into my account. 

I don't have any fraudulent activity in any of my accounts. Moreover, because they close my account, I can not withdrawl the money {$550.00} in my account. And They refused to mail me a check.
Product: Mortgage

In XXXX XXXX we contacted Wells Fargo to refinance our mortgage to a lower interest rate. 
On XXXX/XXXX/XXXX I notified our loan agent, XXXX XXXX of our XXXX/XXXX/XXXX " signing '' appointment with XXXX XXXX at XXXX and told XXXX that the papers indicated that {$970.00} was going to XXXX. I asked how to fix this as we have XXXX and the annual premium had been paid out of the original mortgage escrow account on XXXX/XXXX/XXXX. 
Neither XXXX nor XXXX showed for the signing appointment. Immediately after we signed the documents, I again contacted XXXX to tell him the error had not been corrected and ask again what we need to do to fix it. He referred me back to the title company and they referred me back to Wells Fargo. 
Wells Fargo has been putting us off over and over again ( almost 5 months now ) and still will not provide us a " closing disclosure '' that reflects the correct distribution of the {$140000.00} that we now owe them. 
XXXX XXXX has not returned any of my calls or responded to any of my email inquiries since XXXX/XXXX/XXXX when he forwarded a response from the title company with a new " final statement '' document ( which indicates the total loan amount as {$140000.00} ). That document also states " This document is not intended to replace the " closing disclosure form. '' On XXXX/XXXX/XXXX we received an amended " closing disclosure form '' from Wells Fargo which is still wrong and still indicates {$970.00} to XXXX! Since XXXX/XXXX/XXXX we have been trying to get the corrected document from XXXX XXXX at Wells Fargo Customer Care and Recovery. The last contact with XXXX was by telephone on XXXX/XXXX/XXXX indicating she still had no answer for me and had no idea when she would. 
We just want to know where that {$140000.00} really went. And it is tax time and we need to give the right information to our tax preparer. The longer this goes on the less we trust any documents we get from Wells Fargo. 
There are many more issues on this document - not just the {$970.00} homeowners insurance to XXXX which is the most glaring error. 
Can you help us to get a corrected " closing disclosure form '' from Wells Fargo that indicates where this money really went?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a wire transfer to Coinbase, Inc to deposit funds into my account. It 's now been over a 12 ( work ) days and the funds still have not been credited to my XXXX account. The transfer should have taken a day, as indicated on their web site. I tried to contact them several times but no response ( except their automated emails ). My Case number is # XXXX.I also checked the wire transfer with their bank ( XXXX XXXX XXXX ) which confirmed me they received the money on XX/XX/XXXX. 
Here 's some info about the wire transfer : Date : XX/XX/XXXX Amount : { {$2000.00} } IMAD : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous times with Experian, and sent documentation showing a collection account was paid off, and it still is reporting as otherwise on my credit. I also have asked them to remove hard inquires that should have fell off back in earlier 20221. 
They have not responded or fix the issue. My credit report is in accurate and has stopped me from getting credit.
Product: Vehicle loan or lease

Credit Acceptance offered me a horrible loan. This led to repossession of my car. They sent the repossession amount to a law office in XXXX, Ohio. Law office sent me paperwork allowing me to make payments on the loan. The day after I received the paperwork they started garnishing my wages before the date stated on the paperwork. Ive paid at least {$3000.00} off of the loan. This is not reflected on my credit report. Ive disputed the amount with XXXX. Credit Acceptance is reporting to XXXX  that the amount on my credit report is accurate. This is not true and I have court documents stating otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX AND XXXX  ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

EQUIFAX : ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX CHILD SUPPORT ACCOUNT XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX  XXXX- IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE  XXXX : XXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a joint chapter XXXX bankruptcy on XXXX XXXX, 2017 with my spouse. That bankruptcy was discharged on XXXX XXXX of 2017. My credit report with Equifax is still not reporting any information on my bankruptcy. It is not even showing that I filed. But, it 's showing correctly on my husbands report. I contacted Equifax and was told they are just a credit monitoring agency and they do n't make any updates to the report. Since XXXX of this year, I have spoken to at least 8 different reps. Today ( XXXX XXXX ) after my husband viewed his report, it showed that XXXX XXXX was the vendor that was reporting this information to Equifax. I talked to XXXX with XXXX XXXX today ( XXXX XXXX ) at XXXX CT. She told me that they were the public record vendor for Equifax. She also told me that XXXX XXXX  is reporting MY bankruptcy information to Equifax, but Equifax is not obligated to report any information about my bankruptcy on my credit report. She directed me to call Equifax. So I called Equifax again today and spoke to XXXX at XXXX CT. XXXX told me it 's the courts responsiblity to report my bankruptcy information to the court. I confirmed with the bankruptcy court, they do n't report anything to credit bureaus, the bureaus have their own vendors where they get that information from. I asked XXXX if there was another department or someone who was more knowledgeable about the situation, he said everyone there would say the same thing and they have the same information that he has, so he could n't transfer me. I 've been trying to get this information updated for 2 months now. Now I know they have this information, but are just refusing to report my bankruptcy. Not only that, but they told me I could dispute all of my debts, but even if all of my creditors report my debt as discharged in bankruptcy, my credit report will never update to reflect the bankruptcy in the public records section of my report. I also want to mention that this bankruptcy is showing on my husbands credit reports. Since we filed jointly and only 1 notice goes out to the bureaus with both of our information on it. I know they received the proper notification.
Product: Credit reporting

I have several hard credit inquiries on my credit report I have not approved any agencies to inquire about my credit.Also there are accounts that are over 8-years old that I have asked to be removed and they 're still there and when I request they be removed I am given the run around.
Product: Debt collection

On XXXX a letter of certify Cease and desist letter was send to their company. 

This whole XXXX I receive 2-4calls per day 2-3 days out of the week from different numbers phone id shows its Portfolio Recovery Associates no voice mail left I just block each number but every time it calls from different number. Please help
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft, my information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed immediately.
Product: Money transfer, virtual currency, or money service

It's WhiteFlower again, on the XXXX of XX/XX/2021 I got a response concerning my complaint, I'm really frustrated with what you people are doing to me right now, paypal is working based on limited information, I've waited six months, approximately 180 days, now you say it's because I received benefit from Ohio and I live in Texas, do you know which state I've worked before coming to such conclusion, my employer has payed taxes into the system that contributes towards UI funds in the state where they operate which is ohio, so I claim my benefit in the state from where I've worked. You have no right to hold on to my money, I'm going to write to senator Ted Cruz concerning this if I don't get a reasonable response on how to get my money back, because I have all my proof and you guys are working based on limited information.
Product: Debt collection

I was contacted by debt collector on XXXX by phone the name of frontline assets strategy about a debt they say I owe. I told him I need more information from you before we speak about this, he began to ask for personal information from me which I was not comfortable giving, he said I need personal information from u before we can discuss anything he then proceeded to tell me my address where I work and was persistent on saying he knows that is me, i believe his commments to me were Illegal or unethical communication tactics, also by telling me u clearly know about this debt and saying I can see on your credit report u have closed other accounts and etc. so this must be yours. He continued to ask to verify my self with social security number I told him I wasnt giving him that, I requested to send debt validation letter to the address they had on file he would never confirm he would do that. I told him to only contact me viva mail or email. I also sent them an email as well to send debt validation letter to address on XXXX, and XXXX to date as of XXXX I still have not received debt validation letter. They responded to my second email of request and said since I had denyed knowledge of this, which I never said, and they were sending me a fraud packet to fill out. I feel I have asked within fdcpa regulations to request a debt validation letter and I still have not received one. Oringal creditor was XXXXXXXX, XXXX XXXX and current creditor is XXXX XXXX XXXX. There current name of creditor is frontline assets strategy, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, mn XXXX. Any help in this would be greatly appreciated I have tried with them and have received nothing in the mail.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ( XXXX ) XXXX XXXX LVNV Funding, LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Demand for Collection Activities Dear Sir/Madam, I am writing to formally request that L

VNV Funding, LLC cease and desist all collection efforts, including but not limited to phone calls, written correspondence, or any other form of communication, regarding the alleged debt referenced in your recent communications.

I dispute the validity of the debt and request that you provide proof of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). Until such time as you provide valid proof of the debt, I demand that all collection activities stop immediately.

Please consider this letter as a formal notice that, under my rights provided by the FDCPA, I am requesting the following : 1. Immediate cessation of all collection attempts related to this alleged debt, including phone calls, letters, and any other form of communication.

2. Verification of the debt you claim I owe, including the original creditor, the amount, and the basis for the claim.

Please note that if you continue to pursue this matter without providing adequate proof of the debt, or continue harassing me with further collection attempts, I will take all necessary actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office.

In accordance with the law, I expect written confirmation that you have received this letter and will honor my request.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are reporting XXXX and XXXX XXXX XXXX on my credit. I have no idea where any of these come from. I reported asking what theyre reporting and how do I owe as we never did business. There are companies continuing to make false verifications to collect fraudulent payments that arent owed to them. I would like a true investigation not false verified. All documents need to be sent to me as Ive never signed anything with either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  account # XXXX, has violated my rights 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 with my written instructions
Product: Credit card or prepaid card

I used my Citibank Credit card to purchase XXXX XXXX airline ticket. The ticket was given to me through XXXX but the charge on my credit card shows " XXXX XXXX ''. XXXX XXXX cancelled my ticket and had to provide me a full refund. XXXX at first was not giving me a full refund, so i started a dispute with citibank. XXXX after 2 months finally agreed to refund me the full amount upon which i closed the dispute. But after passing of further 2 months XXXX did not refund me the money. I called XXXX XXXX and they said that XXXX has charged the credit card and they will provide the refund. I was surprised to hear this and got suspicious. I tried to call XXXX but there helpline will not let me connect to any help line and says my Itinerary number is not valid. i can not connect with XXXX, so i called the citi disputes center and told them that XXXX confirmed to me that I will get a refund but has not responded. Citi tried to open the dispute again but told me that they can not re-open this dispute. 
Upon calling XXXX XXXX  they say XXXX can help me get the refund. Both XXXX and XXXX XXXX are not helping and Citi dispute team has not helped. As a consumer i have been played and lost my valuable money and time. The winner here are corporate giants XXXX and XXXX XXXX and I can not do much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX, has violated my rights. 

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

TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD letter to XXXX, XXXX, and Transunion since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.
Product: Credit card

In XX/XX/year>, Barclay Bank credit card sent me a letter, stating that I haven't used there credit card in a few months and if I don't they will close my account, so I used the credit, in XXXX I paid balance off, in XX/XX/year> the bank sent another letter stating that since i couldn't manage my finances they lowered my credit limit more than half from {$11000.00} to {$5000.00}. And stated for me to call if i wanted the amount back. When i called i was told by rep that they have to pulled my credit report to requalify. I don't want my credit report pulled because i have present and back. When i called i was told by rep that they have to pulled my credit report to requalify. I don't want my credit report pulled because i have present and future dealing that its best to keep my credit report XXXX score it tack. And they don't seem or care to realize that pulling a frivolous report does damage. Along with their harassment of stating i dont manage finances when i a 10 year costumer that has never been late, usually pay over the minimum or in full when used, and never been late. And to mention that I've paid them more than they loan. This my second time reporting this companies shady practice and request an investigation be done on them. I am not able to close the account at this time because it's part of my longest credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my creditors, XXXX XXXX & XXXX Account XXXX, continues to report me to Experian as " delinquent '' after I settled this account at least a year ago. In fact, it says on my report that this account was settled ( Paid in settlement. {$500.00} written off ). And yet the company is still reporting to Experian each month that I am delinquent, when I already settled this account. I have disputed this account twice with Experian, and Experian has refused to remove the derogatory remarks that continue to be added to my report each month, even though this account was settled at least a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XXXX  Case Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Capital one I receive hard inquiries that I did not approved I will like it deleted and removed off my report.