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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00}.
Product: Debt collection

On XX/XX/XXXX, I received a notification that a collection account had been added to my credit report. The company is IC Systems, and according to my credit report, the alleged company they are collecting on behalf of is XXXX. Over the past 12 months, this account has appeared on my credit report under several collection companies, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC on XX/XX/XXXX regarding this matter. Furthermore, as far as this IC Systems account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that IC Systems offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform IC Systems that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against them and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained an educational loan through  XXXX   XXXX   XXXX   XXXX  (   XXXX   ) in  XXXX . The loan was administered by  XXXX   XXXX .     Following my retirement at the end of  XXXX   XXXX , I received only one bill from  XXXX   XXXX , for  XXXX   XXXX . I received no more bills from them thereafter, believing the loan to be paid off after 4 years. In  XXXX  of  XXXX , I discovered that  XXXX   XXXX  had submitted negative remarks to my credit records. I contacted  XXXX    XXXX   and arranged to bring the account up to date, which I did immediately.  XXXX   XXXX  claimed their bills were returned, and phone calls unanswered. However, I had not changed my address during the prior 21 years, and received no phone calls or messages from them. In addition, a test letter generated by  XXXX    XXXX   reached me successfully.  XXXX    XXXX   agreed to correct my credit records, acknowledging that  XXXX   XXXX  had caused the delays in payment by not providing timely billing.     Since that time, I have had my credit record cleared with other agencies.  XXXX   XXXX  claims they have contacted TransUnion multiple times ( see attached ), but no correction has been made.     I paid off the loan in full in  XXXX   XXXX , after receiving a report from TransUnion showing no adverse reports.     On  XXXX   XXXX ,  XXXX , I received a notification of my  XXXX  score from a loan application, and accessed my credit report from TransUnion due to the lower than expected score. The report is again showing the adverse report from the educational loan.      XXXX    XXXX   and I have exhausted our ability to clear this record.
Product: Credit card or prepaid card

Please reopen my COMPLAINT as had til XXXX to RESPONED and HAVE NOT HEARD ANYTHING from TRUIST BANK in Regard to resolving this!!!! the COMPLAINT number is XXXX XXXX XXXX and also XXXX XXXXXXXX I NEED HELP!!!
Product: Credit reporting or other personal consumer reports

The bankruptcy currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. It is imperative that you promptly remove this account from my credit file. The XXXX XXXX XXXXXXXX case number XXXX should be deleted immediately as it is fraudulent. Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within 30 days of this letter, legal action will be initiated.
Product: Debt collection

This company called several times through out the day. On XX/XX/2021 I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution on XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k.

You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation.

Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted.

Further, because my social security number ( credit card ) was used and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your Financial Institution. The is an act of Aggravated Identity Theft.

If your Financial Institution fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
You will remove this inquiry from XXXX, XXXX, and XXXX. 
Respectfully, XXXX XXXX XXXX, XXXX Without Recourse
Product: Mortgage

I began the refinance process on my home loan with Chase mortgage on XX/XX/XXXX. Honestly this should have been a very straightforward refinance loan since we have very good credit scores and stable income. We provided every document requested in a timely manner and almost 4 months later as of XX/XX/XXXX the application was still being ignored and stalled. The Chase mortgage team was absolutely awful to work with and there was a severe lack of communication from their end with no replies to emails or phone calls for weeks. The team would constantly continue to ask for the same documents that were already sent over and over again. 110 days later I decided to withdraw my application due to the terrible customer service and absolute neglect. An important note is that an appraisal was not needed and no title work was done. 

I am filing a complaint with the CFPB because Chase has denied my request to refund the deposit that was made for the application to be processed. Under the Federal Truth in Lending Act I have the right to withdraw my application and have any money given to the bank for the loan returned to me within 20 days ( excerpt from law below ). 

1635. Right of rescission as to certain transactions ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

I have spoken with Chase multiple times and once again will not return my phone calls or work with me to resolve this issue whatsoever. Withholding funds from the consumer and denying a refund for no reason at all needs to stop immediately.
Product: Mortgage

I had a house in XXXX OR. I paid the mortgage loan monthly. I traveled to XXXX in XXXX 2010. When I returned home in XXXX OR in XXXX 2010, surprisingly, I found that my house was sold by my XXXX loaner Key Bank. At that time, I had n't receive any notice of foreclosure of my house. It was wrong to take away my own home without my permission. I have been complaining to various departments many times.
Product: Debt collection

On XX/XX/16 my son had dental work performed by XXXX XXXX XXXX XXXX XXXX. We were told we owed a substantial amount of money prior to his procedure. So I withdrew the money from my 401K. Paid a large fee for early withdrawal, and paid taxes on the money we withdrew to pay XXXX for his services. This money was paid to them directly. Then during a follow up visit, I was told by the receptionist that we had a large credit on our account of {$1200.00} and would be getting a refund check due to us overpaying. I could only assume it was because we carry double dental coverage. We did receive the check a couple of weeks later and decided that since we had already paid the penalty fees and taxes for early withdrawal, then we would apply that money to other medical debts. Then we received a letter from XXXX stating they refunded in error and that they now wanted the money back. They had ample time to review this. I did not ask for money back, I never asked for a refund, they told me that we were due the refund because I overpaid them. We can not take another withdrawal from our 401K. We can not afford to pay more taxes and early withdrawal penalties either. This was their error, not mine therefore I should not be penalized for their terrible bookkeeping practices.
Product: Credit card

On XX/XX/year>, Bank of America notified me that there appeared to be fraudulent charges on my credit card. Bank of America then texted me and asked, " Did I authorize this activity? Reply YES or NO. '' on back-to-back charges of {$2500.00}, {$2500.00}, and $ XXXX immediately responded with " NO '' to each charge ( text is attached ). I then spoke with a fraud supervisor who explained that Bank of America 's policy is that once I reply " No '' to Did I authorize this activity? I would not be responsible for those charges. Since then, I have made several attempts to dispute these charges with Bank of America and they have refused- stating the merchant submitted to them a form contract from my ex-husband with my account number. I asked them to review the form- which does not show me giving authorization by initials or signature on page XXXX ( XXXX Credit Card XXXX ) that was submitted. The card information was mistakenly entered by auto-fill and did not include the correct CVV number. I filled out a police report explaining the events and an affidavit stating I did not authorize any charges and that I should close the account to protect it from any further fraudulent activity.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2014, XX/XX/2014, XXXX XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XXXX, XX/XX/2014, XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing in response to your letter regarding my dispute over the inaccurate late payment reporting on my credit reports for the account referenced below. 
Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Disputed Late Payment Information : XXXX. TransUnion : Reported late payment for XX/XX/year>. 
XXXX. XXXX : Reported late payment for XX/XX/year>. 
This account was in fact Paid on Time during the disputed periods. I am requesting an immediate correction to the inaccurate 30-day late payment entries to reflect the accurate status of Paid on Time.
Product: Credit reporting or other personal consumer reports

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  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Product: Checking or savings account

I just received a call from Wells Fargo letting me know that they are still looking into this claim And they would send a letter stating so I just opened my email to find a message from this site and it shows claim is closed Doesnt make sense!!!
Product: Money transfer, virtual currency, or money service

For a living, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023, I received payment for one of these trips ( {$5400.00} ) through PayPal. When I logged on and tried to withdraw the funds to my bank account, PayPal decided to permanently limit my account due to activity in my account thats inconsistent with their User Agreement. I was never explained the reason to their decision. When they permanently limit an account, all money in your balance is held for 180 days. They give you no other solution other than wait. 

If this hold isnt released, I will not be able to provide the trip my guest paid for. My guest wont understand that this is PayPals fault, not mine. Consequently, a bad review from this guest can destroy what I do for a living, which would destroy every other aspect of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I determined that said reports contained a Bank of America mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did Bank of America ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, XXXX and XXXX. Each dispute was summarily rejected as frivolous. The negative and antiquated Bank of America account remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to Experian. The account is also reporting on my XXXX and XXXX   reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.
Product: Credit card

In XX/XX/XXXX my financial institution informed there were suspected fraudulent charges with my checking account number. Since then I have also noticed a hard inquiry from Fortiva Bank for a new line of credit. I have contacted their company to confirm if there is an active credit card account however they stated the request for new credit line was denied in XXXX. All of this as come about after filing my tax return with XXXX XXXX XXXX which is who I've only released my personal information to since XX/XX/XXXX. This hard inquiry has affected my credit score tremendously and I would like for it to be removed as this was an unauthorized inquiry/request.
Product: Consumer Loan

We received a letter from Wells Fargo Auto Finance stating that we have paid in full and satisfied the requirements of our Auto Loan, however they are reporting our loan as transferred and charged off instead of paid in full for the original account. Wells Fargo transferred the loan within their own company after the loan has been already satisfied. The loan has negative impact on our credit report and the bureaus refuse to change it after we have provided proof of a Wells Fargo Letter stating the original loan has been paid in full and satisfied under the original conditions before Wells Fargo did an internal transfer of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced both of my automobile loans to receive a lower interest rate. Initially, all of the credit bureaus had both accounts for both cars listed on my credit report. They ( XXXX, Equifax, and XXXX ) dropped my credit score by almost ( XXXX ) XXXX points because of the transfer of the loans. It is inconceivable that the reduction was warranted and fair, as I have a caucasian friend who sold his house and his credit score didn't drop a point. The blatant disregard for Consumers is obvious or should be and warrants an investigation of the entities.
Product: Debt collection

These are Medical bills/debt. For which I have been granted 100 % financial assistance/forgiveness on ALL medical bills. Wakefield and Associates keep adding these bills to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Account name : XXXX XXXX XXXX XXXX  Account # XXXX balance {$140.00} Account name : XXXX XXXX Account # XXXX, balance {$990.00} Account name : XXXX XXXX  Account # XXXX, status Account closed 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 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: Mortgage

They lied to me regarding my loan modification. I tried to save my house, they took it from me illegally. Help me Thank you, XXXX XXXX
Product: Credit reporting 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. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX 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 don't 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 and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Im submitted to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any account listed on an ID theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX  XXXX Balance Owed : {$810.00}
Product: Money transfer, virtual currency, or money service

Date : XX/XX/XXXX Amount in transaction : {$200.00} ( including {$3.00} transaction fee ) On XX/XX/XXXX, I decided to purchase approximately 200 dollars worth of bitcoin through Coinbase. The transaction went through successfully. Following the transaction, a window prompted me to verify my identity. Part of verifying my identity included my date of birth, which is XX/XX/XXXX. Shortly after submitting my address and date of birth in order to verify my identity, I received an email from coinbase explaining that restrictions had been placed on my account due to the fact that I am under XXXX. Because of the restrictions, I am unable to sell the bitcoin that is in my account, or send it to another account. The bitcoin is laying frozen in my account, and I can do nothing with it. This effectively means that this company is withholding XXXX dollars from me. 

At the time when I created my coinbase account ( over one year ago ), they did not have a policy stating that users had to be over XXXX. This new policy was implemented only a few months ago. I was never made aware of this change in policy - I never received an email, nor was I informed of this change when logging into the site. I think it is unfair that coinbase allows users to give them money without requiring identity verification, only to withhold that users money when they fail the ensuing identity test, especially when the user is never made explicitly aware of the policies & requirements involving identity. 

I was unable to get a hold of coinbase through the phone, as I was repeatedly met by an answering machine. I sent a support ticket, but I am skeptical as to how effective this will be, as most people in my position have commented online that coinbase can take months to resolve similar issues.