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

My name is XXXX XXXX XXXX  this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

SPS Servicing frequently calls my home phone and when I answer the person who called me has no idea my they called. SPS states that their computer told them to call me. I wish this practice to stop. I would like SPS to know why they call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Reported XX/XX/2023 XXXX Reported XX/XX/2023 XXXX Reported XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX {$390.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Debt collection

I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( XXXX ) XXXX years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report. Upon reviewing my report, I noticed several inquiries that I did not authorize. These inquiries have adversely affected my credit score and financial standing, and I am concerned about their impact. I have enclosed a copy of my credit report, with the unauthorized inquiries highlighted for your reference. I kindly ask that you investigate these inquiries and remove them from my credit report promptly.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ), inquiries related to credit or insurance transactions not initiated by the consumer should not appear on their credit report. Since I did not initiate these inquiries, it is essential that they be removed. Furthermore, non-compliance with 15 U.S. Code 1681e, which mandates the highest accuracy in credit reporting, infringes upon my consumer rights.
Product: Debt collection

XX/XX/2023 {$730.00} Not the correct amount or account information!
Product: Credit reporting or other personal consumer reports

I have asked the credit bureaus for an explanation of how an account related to a court case was verified, and they keep sending me emails stated it was verified but wont explain to me what method they used to verify this account I Subject : Request for Verification Explanation of Court Case Reporting I wrote them to request clarification on the verification of an account on my credit report. My records show a court-related entry that I believe may not have been properly verified. As I understand, courts generally do not report case information directly to credit bureaus. Given this, I am seeking to understand how this information was verified and reported on my credit file.

Could you please provide detailed information on the source of this court case entry and how it was verified for accuracy?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I started service with XXXX XXXX on XXXX/XXXX/2019, the sale associate told me that when they check my credit score that it shows up as a soft inquiry. After XXXX XXXX did the " soft pull '' it shows up on all 3 credit bureaus as a hard inquiry which lowered my credit score. I talked with 2 other associates, one in person at a store location and another thru XXXX XXXX  online chat on XX/XX/2019 that I took a screenshot of the person named XXXX that I was chatting with that confirms that the company tells potential customers that it is a soft inquiry and not a hard inquiry. He specifically says that " we are all told its a soft inquiry ''. I tried disputing it with the credit bureaus but they said that they dont handle hard inquiry disputes that I have to contact the company that did the hard pull. I contacted XXXX XXXX   and they stated that I gave them permission to check my credit report so they dont have to change or do anything about it. XXXX XXXX is lying to potential customers about the soft/hard inquiry. I applied thinking that it was gon na be a soft inquiry, otherwise I wouldnt of applied for service. I opened up services under false pretenses.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Product: Mortgage

SLS servicer for loan XXXX is refusing to comply with the closing in order to get the investor paid. Approval was given by sls on XX/XX/XXXX 2nd lien approval came XX/XX/XXXX ( received XX/XX/XXXX ) Both approval letters were provided to the buyer 's lender. Buyers lender started the loan process on XX/XX/XXXX. however with all holidays and the skeleton crews at the banks, SLS only gave 24 business days to complete a buyer loan. Buyer 's asked for extension, one was granted for 7 days hardly enough time to close the file. We are still waiting on the 2nd lien approval as well. XXXX 's lender has had less than 30 days to do this loan and SLS is bulling us and threatening us to not let us close. We asked for an extension to XX/XX/XXXX but they gave to XX/XX/XXXX we asked for 2 extra days but they refused and sent a nasty email. Values are good for 6 months. Sls is sabotaging this closing because they have ego problems with in the staff. We are asking you to please get involved to help us get a normal extension period. 
Both approval letters are attached. as you know the buyers lender will not start the buyers loan until both approval letter are received by the short sale lenders. In this case the XXXX lien approval letter lagged by 11 full days so buyers lender could not start loan until XX/XX/XXXX. SLS Mtg. was told via phone conversation of the 2nd lien date of approval and are now Sls is refusing to help their investor close instead they would rather do a foreclosure. We need help please. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting how Experian verified the completeness and accuracy of a bankruptcy record on my consumer file. In its conclusion of an investigation on XX/XX/23 report # XXXX, Experian stated that the company has certified the accuracy of this record. However, Experian has not provided me the name and address of this company and how they verified the accuracy and completeness of this record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed experian 3 times asking for the documentation that they used to verify an account on my credit report, all 3 times they have provided nothing other than a typical " account verified '' ..this will not suffice as a final answer to the request i plaed with them.in addition to not supplying me with any documentation, i was told they would not reinvestigate this dispute as if they investigated thoroughly the first 3 times ...
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Transunion are consumer reporting agencies and XXXX XXXX is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Transunion, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) states XXXX XXXX, XXXX, XXXX, and Transunion are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed.
Product: Debt collection

There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ARS ACCOUNT RESOLUTION XXXX XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I contacted Equifax concerning the reporting of my bankruptcy on my credit report. I filed XXXX XXXX XXXX and the items included in my bankruptcy should no longer be reported on my credit bureau. They had it updated to state will be removed 2019. I contacted them, sent copies of my Ch XXXX paperwork. Dispute results reported back included in Ch XXXX. It is my understanding the Ch XXXX information is removed 7 years from the date the bankruptcy is filed. I attempted to call the number provided on the results and was on hold for 20 minutes with no one picking up the line. I need assistance getting this corrected and would like to speak to someone in an American office that understands my dispute.
Product: Money transfer, virtual currency, or money service

I acquired the cryptocurrency called XXXX ( XXXX ) and sent it to my coinbase XXXX  address. The transaction on my crypto.com XXXX address says that it was successful, however, the XXXX never arrived on my coinbase account. After doing some research on the XXXX XXXX, turns out the XXXX on crypto.com is the native version and the XXXX on coinbase is the XXXX version ( XXXX token ). In crypto, you can not send a crypto from one blockchain to a different blockchain without converting it first. The main issue i have with this situation is that coinbase did not notify people that the XXXX on their exchange is the XXXX ( Ethereum ) version of the XXXX, not the native version. Long story short, I lost my funds and want them back. There is a simple solution to this problem, however, the user would require their private keys from their wallet, however, coinbase does not provide their customers with their private keys. When attempting to contact customer support, everything is automated, and none of the automated answers can help me with this particular issue that can be solved in minutes if I could talk to a real person. At the very least, they could at least list both the XXXX XXXX  version and the XXXX  native version and make it OBVIOUS that they are both different to prevent mistakes like this from happening again. XXXX and XXXX did this by simply placing a " XXXX '' in front of their wrapped currency ( XXXX and XXXX respectively ). Wrapping is simply making a native currency functional in the XXXX blockchain.
Product: Money transfer, virtual currency, or money service

DMB Financial added XXXX additional payments to my contract, which was for 42 payments of {$350.00} to pay of settlements made with 4 creditors. My total debt before settlement was XXXX. DMB settled for a total of {$9800.00}. After paying the full 42 payments, never missing any payments, I sent a total of {$14000.00} to DMB Financial, making their " service fee '' {$4900.00}. Some of the accounts were not settled until well after a year of starting the program. I was advised not to answer any phone calls from creditors, to either " ignore '' or " block '' them. I was not in default of behind on payments when first starting he program. I had a tremendous unforeseen family emergency that required me to seek help for debt relief. I was asked not to make any more payments so it was " easier '' to settle and show a hardship. I was promised that my credit would eventually be better than when I first started the program. Being I wasn't behind any payments at that time, my credit was not bad at all to begin with. It is much worse now and I have not missed any payments on any other accounts such as mortgage or car payment. 
I would like for someone to explain to me why an additional {$700.00} is needed to finish paying off my last creditor? How much out of that {$700.00} is DMB 's fee? I was left under the impression that all 4 creditors were going to be paid each month, splitting up the {$350.00} into 5 parts, 4 portions for my creditors and XXXX portion for DMB 's fee. 
How many payments did I make in the beginning before settling the first account that DMB put into their own pocket before starting negotiations with my creditors? I paid DMB Financial more than any of the creditors that were settled with. How is that helping people with their debt relief?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX # 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: Checking or savings account

Background : I opened a new Wells Fargo Way2Save Savings account on XX/XX/23 under the " {$520.00} promotion ''. The promotion was to open a new savings account and deposit {$25000.00} within 30 days of account opening and keep the funds till day 90 of account opening. The {$520.00} bonus will be credited within 30 days after meeting the qualification. 
Problem - I opened Way2Save Savings account on XX/XX/23 and deposited {$25000.00} on XX/XX/23 in the account and kept it till XX/XX/23 which is more than the 90 day period. So all these requirements were met as per their Terms & conditions of the offer which makes me eligible to receive the bonus. Even after meeting all the requirements I did not get the {$520.00} bonus in my account. 
Efforts - I reached out to Wells Fargo customer support multiple times through phone call and requested to credit the bonus amount but I was given false excuses of not giving the bonus which did not make sense. When I asked for concrete details, they could not answer and created a ticket in their system but I haven't gotten the bonus yet in my account. This is the reason I decided to file the CFPB complaint. I have also attached the pdf of offer XXXX XXXX XXXX. 
Account email - XXXX Account # - XXXX Ticket Ref No - XXXX Resolution- I met all the requirements of the XXXX XXXX  XXXX of the {$520.00} promotion offer and they just don't want to pay the bonus for no reason and I want them to hold true by their XXXX XXXX XXXX conditions of the offer and provide the {$520.00} bonus credit in my account.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am writing to formally dispute the validity of a collection accounts appearing on my credit report. These accounts are over seven years old and appears to have been re-aged, which violates federal law. Additionally, I believe the account is tied to identity theft. I am requesting the immediate removal of the following fraudulent collection accounts from my credit report : 1.Collection Agency Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered Fraud : XX/XX/XXXX XXXX Agency Name : HP SEARS Collection Original Creditor : HP SEARS Date Fraud Began XXXX XX/XX/XXXX Date I Discovered Fraud : XX/XX/XXXX Legal Basis for Removal 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Section 605 ( a ) : Reporting Timeframe Negative information, including collections, can not be reported for more than 7 years from the date of first delinquency ( DOFD ). These accounts are beyond this timeframe and must be removed. 
Section 611 : Dispute Resolution As part of my dispute, I request that you investigate and verify the accuracy of these accounts. If you can not verify their legitimacy within 30 days, you are required by law to remove them. 
Section 623 ( a ) ( 5 ) : Responsibility of Furnishers Re-aging the date of delinquency is a violation of FCRA. This appears to have occurred in the accounts listed above. You are obligated to report the correct XXXX, which determines the reporting timeframe. 

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( 8 ) : Misrepresentation Reporting false or misleading information, such as incorrect dates or account re-aging, violates the FDCPA. 
Section 809 ( b ) : Validation of Debts If the collection agency can not validate the debts and prove they are legitimate, they must cease all collection efforts and delete the accounts from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, a transaction of mines was not approved so I called AMEX immediately to inquire why. They tried to lie repeatedly and said I had a return payment on my XXXX XXXX XXXX XXXX  of {$35.00} which was an absolute lie. I even called their bluff and had them 3 way call my bank the payment came from and the bank confirmed the payment came out on their end on the scheduled date of the payment. Showing there was an issue on their systems end! Instead they denied my credit limit increase citing the fake return payment excuse that was confirmed on their recorded line to be inaccurate. Ive been with American Express since 2018 with 6 cards, 3 high yield savings account and a rewards checking account plus a personal loan. Never late or returned payment now theyre trying to stick a fraudulent one on me to deny my credit limit increase!