23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention to AFNI : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or  transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for  collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was offered {$450.00} bonus if I maintained {$50000.00} for 90 days. I did so and it was claimed that the 90 day period started 15 days after opening not after I funded it. This was not clearly laid out in the terms. 



Full Terms you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. 
Heres the full scoop on how to earn your bonus : Open a XXXX XXXX XXXX account between XXXXXXXX XXXX ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, ensure you enter in promotional code XXXX in the XXXX XXXX box. 
Deposit a total of {$20000.00} or more ( Deposit Amount ) of externally sourced funds ( transfers between Capital One accounts will not qualify ) within the first 15 days of account opening ( Initial Funding Period ). You will earn a bonus once youve maintained the Deposit Amount of {$20000.00} or more for 90 days following the Initial Funding Period. The amount of your bonus will be determined as follows : {$150.00} bonus The money deposited from an external bank during the Initial Funding Period was between $ XXXX {$49000.00}, and you maintained that Deposit Amount for 90 days. 
{$450.00} bonus The money deposited from an external bank during the Initial Funding Period was {$50000.00} or more, and you maintained that Deposit Amount for 90 days. 
Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above. 
If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. If at any time during the 90 days following the Initial Funding Period your Deposit Amount drops into a lower tier, you will be rewarded that tiers cash bonus. If your Deposit Amount decreases to an amount less than {$20000.00}, you will not qualify for a cash bonus. This account is subject to approval. This offer can not be combined with any other 360 Performance Savings account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Performance Savings account. The amount of your bonus will be reported on IRS form 1099-INT to the IRS ( and your state revenue authority , if required ).
Product: Money transfer, virtual currency, or money service

Wells Fargo has terminated our credit card merchant services because of an error they made. The error involved Wells Fargo divulging information to an unknown party over the phone. Wells Fargo assumed the caller was from our company but failed to ask for a verbal password. This resulted in the unknown caller being able to hack into our accounts and apply fraudulent charges. These charges amounted to over XXXX XXXX XXXX dollars. As a result, Wells Fargo terminated our merchant services and we are unable to process credits cards which is a mainstay of our business. This began last XX/XX/2020 and Wells Fargo has yet to rectify and reactivate our credit card merchant services. We have been working with them since this began and they are being of no help what's so ever. The biggest problem is they have placed us on the TMF list and we can not obtain services from anyone. The active complaint number is XXXX. They are now stonewalling us and will not even return a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COMPANY DROPPED MY CREDIT SCORE 50 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT. 

I have four inquiries from XX/XX/2018 that are still on my report and need to be removed. 

also after submitting court documents from XXXX account that's states " charged off XXXX dollars '' it still is listed on my account. Negative XXXX account is pass the 7 year mark as well and needs to be removed. 

Ever single time i call to speak to someone they hang up on you. You can never talk to a representative at experian which is really unfair. You have to keep putting in disputes and waiting 30-60 days to see if its deleted. they only send back paperwork stating that the debt is verified without any proof of how they are claiming its verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED INFORMATION TO BE REMOVED/UPDATED WITH ALL 3 CREDIT BUREAUS : XXXX, EXPERIAN, AND XXXX ; AS WELL AS XXXX XXXX XXXXXXXX SPECIFICALLY . I HAVE ALSO REQUESTED TO OPT-OUT OF THE MARKETING LISTS FOR PRE-APPROVED OFFERS. I WOULD ALSO LIKE MY INFORMATION REGARDING HARD INQUIRIES TO BE REMOVED FROM MY REPORT FOR NOT HAVING MY CONSENT.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to DISCOVER BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANKs customer service representative.
Product: Debt collection

I contacted the collection agency to obtain a settlement offer. The representative told me that I need to provide my income in order to determine if I qualified for a hardship settlement. I provided the representative with my income, and he asked me what my car payments behind, and I communicated to him that it was not. He told me that it was no way possible for me to bring in the income that I communicated, and that they would not be able to work with me. I explain to him that I had money in my savings account to help me with my bills. I also communicated to him that I do contract work, which means that my income varies based on the amount of clients that I see. He told me that they could only offer me 10 % as a settlement and that if I called back they would not offer me a settlement offer and this will report negatively on my credit. 
He told me that they could only offer me 10 % as a settlement and that if I called back they would not offer me a settlement offer and this will report negatively on my credit. 
I filed a complaint with their compliance department on the website, and no one has followed up related to the improper treatment from the representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters requesting my information be updated to Experian, XXXX, and XXXX They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.
Product: Debt collection

Debt was discharged in bankruptcy in XXXX. Received letter XXXX from 3rd party collection agency stating that I still owe original creditor. I called XXXX, XXXX XXXX XXXX, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.
Product: Credit reporting or other personal consumer reports

I keep getting soft inquiries from Experian for no apparent reason, this needs to stop now.
Product: Debt collection

Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY ADDRESS ON MY CREDIT REPORT IS INCORRECT ON THE REPORT IT GOT XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX IS NOT THE CORRECT ADDRESS THE CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

I did three loan modifications after my home came out of bankruptcy my bankruptcy was dismissed I received letter in XXXX of XXXX stating my loan modification was complete I never received a denial or approval I filed a complaint with FHA in XXXX of XXXX due to the lack of correspondence my mortgage was raised in XXXX after I show the lender I had lost income I also requested another loan modification XXXX of XXXX for one never to be sent out I also requested another loan modification XX/XX/XXXX of XXXX to be told there's a 7-Day request from a different department before it could be mailed out so my modifications still will not be mailed out until XX/XX/XXXX and now US Bank has ordered me to appear in court XX/XX/XXXX as well as I need them to fix my credit score and how they're reporting this is been going on between me and them for a year-and-a-halfdue to this current situation I have no credit score I'm on XXXX which is fixed income and then I've lost another set of income but they're refusing to work with me I've been in my home for over 10 years and there making it impossible for me to refinance with a new lender this house was caught up in the mortgage fraud with the same lender 3 years ago and I don't trust this this time I really need an investigation into what's going on here.. I'm not trying to be XXXX   with my children due to a clerical error for miscommunication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters/disputes to Trans Union, XXXX, and XXXX about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX
Product: Credit reporting

I filed a complaint with Transunion through this website and they continue to tell me that they will get back with me in 60 days. THEY HAVE NOT! They continue to say that they verified the bankruptcy that is on my credit report through XXXX and XXXX! 
In the case of XXXX v. XXXX the court ruled that they ca n't claim any court or government agency investigated or verified any public record, and that means they ca n't claim they verified it through a court website or XXXX. All those court websites state they do not guarantee the accuracy of the information on the website, and no third party looking at court records is qualified to make a verification as they are not a first hand party and have no first hand knowledge. I am Demanding to know who claimed to verify and I want their name, company they work for and all their contact information as they are slandering you and liable should you take legal action against them and their vendor. 
Please also note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ). 

This company does not care about the law and keeps making these errors that they are fully aware of that is an error! This will be my last complaint. I NEED TO HEAR BACK FROM THEM OR I WILL TAKE THEM TO COURT AND SUE THEIR XXXX!
Product: Mortgage

I was in bankruptcy, the trustee paid the company over {$40000.00} then I paid them three years thereafter.They sold my mortgage and the money the bankruptcy Court paid never was put on my balance.So I am trying to find out what happened.This is a very slow process.Can or will you help.Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach by Equifax- their records indicate my information was stolen. Their website is attempting to enroll people that were effected in a XXXX account that waives their right to sue Equifax for their security lapses. I, along with millions of others, are now open to potential identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan thruough XXXX. I just received a denial letter. Whicj is fine. I know my scores are im the high XXXX. In the denial letter some company named XXXX had a way lower score. Who is this company. I have never heard of them. Theu are reporting incorrect information to companies and having companies deny us credit. This is not fair. Csm something be done?
Product: Credit reporting or other personal consumer reports

n 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 : National credit adjust # XXXX Account name : XXXX # XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are reporting XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. I am a victim of identity theft and I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX . I do not have a contract with either company and I have never lived at this location. They did not provide me with the original contract as requested. In addition, XXXX is being reported on my XXXX report in the same manner. This information on both reports is incorrect.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan and make payments through an app. After XXXX payments there is now a convenience fee. I contacted them told them I didnt agree to that and it wasnt disclosed in the beginning. They told me there was nothing they can do because they are now getting charged that by their payment processor. I told them I understand and thats fine for new customers but it was never part of our agreement. Still they said there was nothing they can do but I told them you just cant change things in the middle of a loan like that. They still refused to offer any solution. I have a feeling they have done this to everyone and it isnt right.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2022 an invoice was sent from the company I was a vendor for in the amount of {$1000.00} to my XXXX  XXXX XXXX account. I used the service provided by the Square Company. They chose to deactivate my account after what their policy viewed as improper usage of their platform. I was sent an email on XX/XX/XXXX conveying to me that they would hold my money for 90 days after which they would send me an email notifying me that they were releasing the funds to my bank account. The scheduled date of release was XX/XX/2022. I called On the XXXX and lodged a formal inquiry as to where was my money and I was told that I would receive an email which I have yet to receive.
Product: Credit reporting or other personal consumer reports

I have in the past months attempted to reach out XXXX in hopes of getting these inaccurate inquiries removed - and their representative has responded that they will be removed yet to this day, they appear in my credit report and it is damaging my scores in ways you can not imagine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit XXXX after another including XXXXXXXX XXXX  own XXXX has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by XXXX servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for XXXX months, received a XXXX and XXXX signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a XXXX XXXX loan .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.
Product: Debt collection

Equifax is reporting an auto loan from XXXX XXXX that I have never opened. I have never had any business with this company, nor have I ever made any payments to them. I have disputed this account multiple times, yet Equifax continues to verify it without providing any documentation to support its legitimacy. I have requested proof of this alleged debt, including a signed contract or validation documents, but Equifax has failed to provide any. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to verify the accuracy of reported information. However, they have failed to produce any evidence of this debt and continue to report incorrect payment history, negatively affecting my credit score. 
Also, on XX/XX/year> at or around XXXXXXXX XXXX I spoke to a live agent at Equifax regarding my dispute, and he refused to provide the method of verification ( MOV ) used to verify this fraudulent account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), as I have a legal right to this information. Instead of providing documentation, the agent was rude and dismissive, refusing to comply with my request. This is further proof that Equifax has failed to properly investigate this dispute. I am demanding that this account be immediately deleted, and that Equifax be held accountable for failing to comply with federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.