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

In accordance with the Fair Credit Reporting act XXXX  The accounts listed below, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX. XX/XX/XXXX for {$10000.00} XXXX ) XXXX XXXX XXXX account # XXXX. XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  XXXX account # XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX and XXXX XXXX XXXX ) XXXX XX/XX/XXXX and XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX and XX/XX/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: Debt collection

gs services is atempting to collect a debt that is not mine XX/XX/2018 XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information in my report concerning an account furnished by XXXX ( XXXX XXXX XXXX XXXX ) is inconsistent and inaccurate with credit reporting bureaus. I have disputed this item numerous times and have yet to receive verification of the debt nor documentation that I engaged in a contract with my signature for an account with this company.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft and the ( 3 ) MAJOR CREDIT BUREAUS and reporting fraudulent information such as unknown addresses mix information on my credit reports like account opening dates as well as reporting dates this need to be fixed asap the FTC AND POLICE IS BEING UPLOADED TO THIS COMPLAINT.
Product: Credit card or prepaid card

filed disputes with my bank wells fargo to get my money back for my XXXX  sailing jacket size medium mens, XXXX XXXX womens denim bag, two pairs of XXXX  sz XXXX men, and 4 pairs of XXXX sneaks 3 of them sz XXXX and one sz XXXX mens that i never received and lost the case due to the fact the seller provided a signature which wasnt mine, thats not even a signature. Its just a line that anybody could have signed. and also i send wells fargo proof of my signature way before the resolution to go by so they could use as a reference and still refused to use it and im out of money
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding an account with your company, which has been included in my recent bankruptcy proceedings. Despite numerous attempts to have this account correctly marked as " included in bankruptcy '' and removed from my credit report, I continue to face challenges in resolving this issue. 

The account in question is associated with the following details : XXXX XXXX Balance Owed : {$0.00} and this account was among those listed as part of the bankruptcy filing. According to bankruptcy laws and regulations, accounts included in bankruptcy should be accurately reflected on my credit report with the appropriate notation. 

My attempts to rectify this situation have been extensive, including multiple letters, emails, and phone calls to your company 's customer service department. However, despite my efforts, the account continues to be reported as active and unpaid on my credit report, negatively impacting my credit score and financial stability. 

I want to emphasize the importance of resolving this issue promptly. As I work to rebuild my financial health after bankruptcy, having this account incorrectly listed as active severely hinders my progress. I am requesting the following actions to rectify this situation : I kindly request that you promptly update the status of the account associated with XXXX to accurately reflect that it was included in my bankruptcy filing. This notation should be reported to all major credit bureaus. 

Please take the necessary steps to ensure that the corrected information is reflected on my credit report as soon as possible. I understand that this process may take some time, but I request your assurance that it will be resolved accurately and expeditiously. 

Upon completion of the necessary corrections, please provide written confirmation that the account has been accurately marked as " included in bankruptcy '' and that this information has been conveyed to the credit reporting agencies. 

I believe that by resolving this matter promptly and accurately, we can ensure that my credit report reflects my financial status correctly and helps me rebuild my credit post-bankruptcy. Failure to address this issue may result in legal actions, as inaccurate credit reporting can have serious consequences. Please help me remove this account : XXXX XXXX Balance Owed : {$0.00}.
Product: Credit card or prepaid card

XX/XX/XXXX From : XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ; Home Tel. XXXX To : Consumer Financial Protection Bureau Ref : Wells Fargo Credit Card No. XXXX XXXX XXXX XXXX ; Unable to Get Hard Earned Reward Points Dear Sir or Madam, Wells Fargo ( WF ) bombarded us with the WF Credit card applications. We were not interested in more cards. Finally, I applied for it and start using the card to get the rewards as promised 5 %. On XX/XX/XXXX, XXXX ( XXXX Nevada ) told me that my rewards will not be at 5 % ( only for 6 months a fact concealed nicely ). She also told me that reward points will expire on XX/XX/XXXX. This came as a shock since WF did not state this during the application process. I then asked her to send me a check of the remaining reward points ( balance about {$20.00} ) and then cancel the card. She refused to do that since the reward balance is less than 25 can not be given. I stated that this is a special case in that WF lied to trap me, or at least withheld important information. Further, she told me that cancelling the card will forfeit all the reward pints. She then said that someone from the executive office will call. 

On or about XX/XX/XXXX, XXXX XXXX XXXX called but refused to release my reward points ( ref : XXXX ). 

This is not fair nor it is legal to deceive customers by perpetual cajoling to get their card and then not pay the reward legally earned. It appears that WF is still involved in unethical and shameful practices. Dishonesty is deeply ingrained in WFs culture. We are helpless senior citizens and ask you to assist us in this matter. All we are asking is to get our earned rewards. 

Sincerely yours, XXXX XXXX Home : XXXX
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Credit reporting or other personal consumer reports

have tried to dispute these problems but no result has been given other than the run around. will not process my complaint and this is hindering my livelihood
Product: Credit reporting or other personal consumer reports

To the XXXX XXXX XXXX, I am writing to bring to your attention a matter of great concern regarding my recent examination of my credit report. Upon thorough review, I have uncovered a troubling issue the presence of fraudulent accounts that I have no knowledge of. I have initiated the process of disputing these inaccuracies and fraudulent accounts, as none of the entries on my report correspond to any transactions I have ever made. It strongly suggests that I may have become a victim of Identity Theft. 

I am dismayed to report that this is the seventh time I am attempting to address this issue. It is disheartening to witness the persistent inclusion of this inaccurate information, which continues to violate my consumer rights. I emphatically request the immediate removal of these entries, as they egregiously misrepresent my credit report. 

I trust that you will give this matter the utmost attention and ensure the necessary actions are taken promptly to rectify this grave injustice. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Previous Complaint XXXX : In response to this previous complaint Pay Pal notified me they were refunding XXXX dollars as a courtesy. But last month we mailed our payment for it to arrive in time thus avoiding a late fee. With friends I write frequently in XXXX, NC, I am familiar with the time frame with which the US Mail takes to traverse the distance to there from our home and back. But looking at their invoice, they posted our payment one date late on XX/XX/XXXX instead of the date it arrived. And five days later they accessed this account another XXXX late fee. My sources familiar with Pay Pal stated it is not uncommon for them to hold a payment so they can access a late charge. And they make millions doing this to other patrons also. I consider this a form of fraud and request a review of their activities. This may also be considered racketeering and I am sure there are laws against such treachery.
Product: Credit reporting or other personal consumer reports

Synchrony bank credit problems My credit report states I have three credit cards in weight off. The credit cards are. Jcpenny, rooms to go, and care credit. I asked the company for confirmation of debt lawful one. O need to see alllll the bills from all three credit cards with my wet signature not not not a copy. I also need to see the original contract signed with two signatures. If you can not provide this you will be in court. I feel 15 usc 1692J is for your company. You are trying to give me deceptive information. Your company cant be charged with XXXXXXXX XXXX XXXX XXXX XXXX. This is when you take the body for ransom for contracts that do not exist. Your ceo needs to correct the problem or be in a federal court house. Bring your XXXX  I mean lawyer who is a bar card holder who is a XXXX  registered agent who takes oath for the XXXX XXXX XXXX
Product: Credit card or prepaid card

I set up auto pay for my American express card so payments will be on time. After completed the form in their system ; it confirm that payment will be taken out on XX/XX/XXXX. Well XX/XX/XXXX came and no payment was taken out and i was assessed a late fee and late payment report to credit bureau. This was not right because their system was incorrect and when I contact the service department. They make it seem like it was my fault. The same thing happen prior month in regards to auto pay. Also, I originally had choose a minimum payment of {$40.00} but because of the late penalty. I have to made double payment. I attached a document that proves that their auto payment system informed me that payment was to taken out on the XXXX of XXXX but did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I noticed an unknown collection from Midwest recovery on my credit report. I contacted Midwest recovery to get more information. They stated I need to pay the {$700.00} from an account from XX/XX/XXXX. I informed that I was not aware of any account and to send verification authorizing to collect. I have yet to receive this from each call for over month now. I also informed them that this account is over the 4 year Texas statute of limitations for them to collect from anyone being that they said the account was from XX/XX/XXXX. 7 years later. Please have them remove this from my credit report expeditiously as this unknown account is over the 4 year texas limitations and 7 years to post to credit report. Thank you
Product: Credit reporting or other personal consumer reports

I am at my wit 's end with your inability to handle the clear and obvious fraud on my credit report. Despite multiple attempts, you have failed to remove the fraudulent accounts and inquiries that I did not authorize. Your lack of action is both negligent and illegal. This is my final demand before I sue you. 

Fraudulent Accounts to be Removed Immediately : 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 XXXXXX/XX/XXXX And many more previously disputed .

Legal Violations and Consequences : Your refusal to act violates : Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] 12 CFR 1006.34 ( b ) ( 5 ) FCRA Section 605B [ 15 U.S.C. 1681c-2 ] FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] 15 U.S.C. 1692c 15 U.S.C. 1681b 15 U.S.C. 1681N These laws mandate that fraudulent accounts and inquiries be removed promptly. By ignoring these regulations, you are exposing yourself to massive liability.

If the fraudulent accounts and inquiries are not removed within 7 days, I will take you to court and seek {$1000.00} per violation, plus {$10000.00} in damages for emotional distress and hardship. I will also escalate this issue to the CFPB and FTC, which may result in further penalties for your company. 

This is your final warning. Comply with federal law, or face the consequences
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 without my written instructions 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 without my written instructions In accordance with the Fair Credit Reporting act XXXX OF 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 without my written instructions In accordance with the Fair Credit Reporting act XXXX OF 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 without my written instructions i also have an unauthorized inquiry reporting XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I purchased XXXX LTC/BTC coins on Coinbase then approx. a week later they disappeared from my wallet.I called coinbase, they sent an email asking for screenshots.I sent them right away then heard nothing.A couple of weeks later I emailed them again.They asked for the same screenshots which were sent within minutes.I waited a couple of weeks and received no response.I emailed coinbase again and called each time they ask for the same information.
Product: Credit reporting or other personal consumer reports

I disputed two accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  both of which reported inaccurate negative payment statuses. These accounts had a significant negative impact on my credit score, preventing me from obtaining a mortgage. 

I received a notification from Experian stating that the accounts were " verified '' as accurate. However, Experian did not provide any documentation or proof of the investigation conducted to verify the accuracy of the information, despite my requests. I have also contacted XXXX XXXX XXXX XXXX XXXX XXXX directly, and they have failed to provide any proof supporting the negative information on my credit report. 

I am concerned that the companies involved have not conducted a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ). I have made several attempts to request proof of the verification process but have not received any valid documentation from any of the parties. I believe that this is a violation of my rights under the FCRA, and I am requesting that the inaccurate information be corrected or removed immediately. 

This issue has directly affected my ability to secure a mortgage and has caused significant financial harm. I would appreciate the CFPBs assistance in investigating this matter and ensuring that the companies involved comply with the FCRA.
Product: Credit reporting

I contacted Experian in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Experian again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Experian that there were none showing. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my accounts : ( XXXX XXXX, XXXX XXXXF XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, PXXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charged off account ( personal loan ) with XXXX XXXX, I settled it in full with the collection agency XX/XX/2019. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XXXX XXXX XXXX bank has once again reported this account to the credit bureaus as a negative, unpaid account with a balance e owed. Why are the continuously reporting a closed paid account every month?
Product: Credit card or prepaid card

Keep getting phone calls from a company wanting to lower my interest rates on credit cards for wells Fargo Chase XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any credit cards. Also was called wanting to take out an extensive warranty on a car I do not own. How do I resolve these issues?
Product: Credit card

I am trying to recover funds for a transaction dated around XX/XX/2023 for {$180.00}. I had a billing issue with XXXX XXXX in XXXX option and the merchandise and ended up filing disputes with CitiBank in order to recover my funds. 

The seller, XXXX and I resolved things but I prematurely withdrew my Citibank disputes in order to attempt to fix things and I ended up having to pay XXXX with another credit card. They were no longer going to take funds from a disputed transaction. 

I am ok with XXXX at the moment but, because I withdrew my disputes, Citibank reversed the provisional credit but XXXX ended up sending them back the funds for those transactions. I called XXXX to confirm this. Both parties are claiming that I need to talk to the other and no one is willing to resolve the matter. 

Meaning I had to pay XXXX {$180.00} with another card to resolve the original plan and Citibank currently has another {$180.00} for the reversed disputes. Ive reached out to them and had supervisors request to open disputes but nothing has helped me recover my funds from that debt. Citibank refuses to help or credit my account with that duplicate charge. So dont ever withdraw your disputes or even open them to begin with with Citibank XXXX Both parties are claiming that I need to talk to the other and no one is willing to resolve the matter.
Product: Debt collection

I am receiving repetitious phone calls. Usually about XXXX XXXX that are intended to annoy, abuse, or harass me or any person answering the phone. There is usually no one on the end when I do answer. When I am not home a long off the hook type of sound is left on my answering machine each time.
Product: Credit card or prepaid card

I purchased a NetSpend card in 2015 I made a purchase use an online casino games and I also have been trying to use the car to get my government benefits which is social security my social is XXXX several counts has been in my name and I think there are still active and I asked them why I can't activate a card and they do not tell me anything they tell me I just can't open a car anymore I never did nothing to make them not accept me for having a car I filed a identity theft I'm with the city of XXXX XXXX Police Department on XXXX XXXX and when I got my report it came back identity theft was Financial off to NetSpend cards and I was the victim