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

per the lawsuit going on with equifax and them giving wrong scores per looking at my report I found many accounts reported by them inaccurately. they have federally violated the law by reporting these negative accounts. 
XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX -XXXX XXXX ACCOUNT # XXXX -XXXX  ACCOUNT # XXXX -XXXX  ACCOUNT XXXX* 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, I initiated a direct pay transaction from Well Fargo to a third party account that was also held in Wells Fargo. I thought this was going to a person, I knew. However, the account information provided to me was incorrect. The money went to an account that I don't know the owner of. 

On XX/XX/23, I called Wells Fargo to ask to reverse the transaction. I was told by the representation that since the name on the account would not match the name on the ACH, it would bounce back. 

On XX/XX/23, I called the bank again indicating the ACH had not reversed itself. They opened an case ( case # : XXXX ) and was told that I would receive a call within a day or two. 

On XX/XX/23, I called the bank again since I did not hear back from them. I was told the case was opened by mistake. Since I used direct pay, per the terms and conditions I was out of luck and it was too bad. 

Upon asking for next level I was told the same. I asked how it can be reversed and was told the receiver would have to initiate it. The receiver has a Wells Fargo account but they would not check with them to see if they want to reverse. I obviously don't know who the account holder is. 

I am out over XXXX from my business account that is unaccounted for. Wells Fargo refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.
Product: Debt collection

Lvnv Funding, LLC ( Also been reported to XXXX  by consumers ) has threaten & reported inaccurate balance due on two closed accounts that I had with XXXX & XXXX creditors issued by XXXX. Both accounts after contacting creditors in order to settle on the accounts due to payments & fees ( as well as errors ) prior to requesting payment arrangements because of foreseen financial setbacks as well as personal obligations that needed my attention. After contacting XXXX ( already enrolled w/account protection ) had came to agreement to process the settlement on account & payments to start once they contact me back to set future dates for payments, but instead XXXX close my account. The same for XXXX after reaching out to discuss payments to get good standing after attempting to return items brought on XXXX website. After accounts had been closed for months. I had started getting repeated calls & notices from Lvnv Funding which unknowing had reported to all three credit bureaus making false claims with non-accurate & non-documented information in order tactfully & deceitful claim monies. I feel this seriously violates of my consumer rights and Lvnv Funding deceptive practices to extort money from consumers like myself.
Product: Checking or savings account

I opened a Truist account online with the promo code XXXX. The bank claims that upon two direct deposit of {$500.00}, totaling {$1000.00} within 90 days will allow a {$400.00} sign on bonus to be deposited into account. So far I have met all requirements and have yet to receive my {$400.00} bonus. Seems like false advertising
Product: Credit reporting or other personal consumer reports

Transition has denied a dispute for a credit card that was disputed and got a approved but now this card is in collections and when I dispute it they deny it even though the original one was disputed and was approved
Product: Payday loan, title loan, personal loan, or advance loan

Ive reach out to this community affirm on several occasions requesting them to dilute this transaction against this merchant since the merchant cancelled my order and never refunded me. Its always a hassle on long period of time for this company to open a dispute and investigate what happen, they always push you around and the end they never respond or update. I have submitted all the proof showing the merchant canceled my order and never issue me my refund
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Late/Open
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above. Written confirmation of the removal of the frau
dulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Bank account or service

1. I authorize withdrawals from my checking account for my payment and they do not come out. Example : I authorized a withdrawal on XXXX/XXXX/2015. It 's been 4 business days and the payment has not come out yet. Then the bank says that my payment is returned. I have enough money in my account, it just is not debited. I paid XXXX other bills, XXXX the State of Oregon, and the other the IRS, on XX/XX/XXXX. XXXX payments, also through checking account debit, came out the same day. 
2. Chase has locked me out of my online account access. I tried to log in using my account number, my social security number, and date of birth, and it locked me out. I called. I was on the phone for 24 minutes and when I finally got to someone who could help, she asked me security questions like what streets I 've lived on and where I 've worked. She told me my answers " could n't be verified ''. I do not know where Chase is getting their information about ME, but it is not correct. I KNOW where I have lived and where I have worked. I wrote them a letter to this effect, but did not get a response.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, my name is XXXX XXXX XXXX XXXX 
I am contacting you in connection with the XXXX  payment transaction, which was made on XX/XX/XXXX and currently BNY Mellon has determined that the transaction was in violation of US sanctions provided for by Order XXXX and the funds were blocked on XXXX ( BNY Mellon 's response of XXXX is attached ). 
Please read the full information below. 
According to the letter from BNY Mellon dated XXXX, BNY Mellon determined that the transaction was in violation of US sanctions provided for by Order XXXX and the funds were blocked on XXXX Based on the letter from BNY Mellon dated XXXX, XXXX XXXX XXXX applied to OFAC for a license.

OFAC reviewed the application and sent a letter stating the assigned application number : Your license application, Reference Number XXXX, has been received on XX/XX/XXXX, and assigned Case Number XXXX. Please have this Case Number available when contacting US regarding this application. 
XX/XX/XXXX OFAC sent a letter with a comment, according to which OFAC can not find data on funds that were indicated as blocked in your correspondence. I have been asked to contact the bank that blocked the funds ( BNY Mellon ) to verify that the blocking has occurred and that the information about the blocking has been sent by BNY Mellon to the Compliance Department of the Office of Foreign Assets Control ( OFAC ). 
XX/XX/XXXX XXXX XXXX XXXX sent a request to THE BANK OF NEW YORK MELLON at : XXXX, with the attachment of all necessary documents in order to provide the necessary information to OFAC after receiving a response. 
To date, the response from THE BANK OF NEW YORK MELLON has not been sent to me, my application from THE BANK OF NEW YORK MELLON has not been reviewed, therefore I can not provide the expected information to OFAC.

Please kindly check the current status of this transaction and assist in obtaining all necessary information from THE BANK OF NEW YORK MELLON. 
Thank you for your understanding and cooperation Sender 's Reference XXXX Value Date, Currency Code and Amount XXXX Sender : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Receiver : XXXX THE BANK OF NEW YORK MELLON NEW YORK, NY US Transaction Reference Number XXXX Bank Operation Code CRED Value Date, Currency Code and Amount XXXX Ordering Customer-Name & Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account With Institution XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Beneficiary Customer-Name & Addr XXXX XXXX XXXX XXXX XXXX XXXX WITHDRAWAL OF PROPERTY FROM THE TRUST MANAGEMENT OF THE CONTRACT XXXX FROM XXXX XXXX Sincerely yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Mobile : XXXX XXXX XXXX address XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed XXXX XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I can not remember dates. 
I was called and threatened with arrest warrants and was given 1 day to pay debt or I was going to jail. 
I did settle the debt with them and paid when I could but at an astronomical amount. 
The calls where non stop. 
I did tell them that I never received anything in writing and to just come and arrest me. 
Ill be waiting. 
Very stressful at a time when I had major life losses and felt worse by not being able to pay my debt. 
You would have thought I owed a loan shark with this tactics.
Product: Debt collection

I sent this Debt Buyer a dispute letter via certified mail. They signed for it and have not responded or provided proof of the alleged debt they claim i owe. I also did some research on XXXX XXXX XXXX XXXX and it turns out that they are NOT licensed in the State of Pennsylvania to collect on Auto Deficiencies. They do have a license as a debt collector but not the state specific license to collect on Auto Deficiencies. They have violated the FDCPA by collecting on a debt they are Not licensed to. They also have not provided any proof of this alleged debt which is false and misleading. I have already consulted with a consumer protection attorney.
Product: Money transfer, virtual currency, or money service

I engaged with Coinbase XXXX XXXX and created an e-wallet.. I got engaged with the scamming company with somebody on XXXX, I clicked on the advertisement and after 20minutes later I got a phone call from someone with XXXX. They told me that I could make large amounts of profits if I deposit cryptocurrency on their platform, they manipulated the trades so that every client will lose money. Then I transferred my funds from my Post bank account to Coinbase at their instructions starting with small amounts, they kept calling me trying to convince me to deposit more, and after one week I transfer XXXX extra and another XXXX two weeks later totaling around XXXX ( XXXX at that time ) my money was transfer via wire transfer. They tried to get more money from them, but after I realized it was a scam I stopped all transfers. I hold Coinbase accountable for not having a contact/wallet database sufficient enough to identify risky merchants, and for not warning me about the potential danger I'm engaging with the fraudulent wallets.
Product: Debt collection

On XX/XX/XXXX, I have received a letter from Commercial Trade Inc regarding a debt I owe. 
I called them on the same day at XXXX and was told the debt was regarding a damage gate I had run in with my car. That invoices where send to my address for payment ( those were never received in any form ). A police report As filed and they had a copy of it. I couldn't get more information, and was told that I know what I did On XXXX XXXX, I send them a letter disputing that debt I didn't know recognized or owe, asking for detail about the creditor, copy of the police report also. 
As of today, XX/XX/XXXX, I have never received an answer. Also, as of today, I found that the debt was reported to the credit bureau on XX/XX/XXXX. My letter specifically says to not report the debt to the credit bureau.
Product: Mortgage

This is a follow up to a previous CFPB complaint # XXXX, which was mishandled and lied to me by PHH Ombudsman
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, 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. ( Furnisher of information to credit agencies ) are a financial institution by definition under that 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. ( Furnisher of information to credit agencies ) as the financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX 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, XXXX, and ( furnishers of information of credit agencies ), 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. ( Furnishers of information to credit agencies ) 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. '' These accounts are adverse items that are being reported 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. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. This is pertaining to GM FINANCIAL, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Debt collection

Received multiple phone calls from various numbers including the following, with an automated message that states : " Hello, we are calling with an important message from Receivables Management Partners LLC d.b.a. RMP Services LLC. This call is from a debt collector please call XXXX. '' This started right after I received notices that my info was involved in a data breach. My credit reports do not include any such debts. They are frozen and should all have a fraud alert on them now. 
All listed calls are from XXXX : XX/XX/XXXX - ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX - ( XXXX ) XXXX XX/XX/XXXX - ( XXXX ) XXXX XX/XX/XXXX - ( XXXX ) XXXX XX/XX/XXXX - ( XXXX ) XXXX XXXX - ( XXXX ) XXXX XX/XX/XXXX - ( XXXX ) XXXX XX/XX/XXXX - ( XXXX ) XXXX * I did try to call this # to inquire and got an automated service asking for my SSN to identify my account. I did not provide and assuming it was being recorded, demanded that they stop calling and send me any proof of this so called bebt in writing. I have not received any written communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE SEE ATTACHED FOR MORE INFO INCLUDING FCRA 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back in forth with these companies for months now. the last letter I received back was on XX/XX/2023, and they are not telling me nothing on why they arent taking these fraudulent accts off of my profile. I have sent the bureaus police reports and letters explaining I was a victim of Identity theft and that these accts do not belong to me. There is a XXXX XXXX and a XXXX XXXX XXXX  that arent mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 
XXXX {$120.00}
Product: Debt collection

Here 's the timeline of events XXXX. XXXX sent me snail mail around mid XXXX, notifying me about payment owed that I didn't recognize. I haven't used XXXX services in ages. 
2. I was out of town on vacation for 2 weeks during which the mail pieces arrived. 
3. Yesterday ( XX/XX/XXXX ) I received a mail notice from Transworld Systems Inc trying to collect XXXX debt for the bills above ( assumption, I don't have the original XXXX bill requests any more ) I've never entered any contract with XXXX promising them payment for any packages. I haven no idea what the bill was about. The debt is not mine and collection efforts are wrong.