23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting Act, McCarthy Burgess & Wolfe has violated my rights 15 USC 1681n. Willful Noncompliance and the XXXX XXXX Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 Accounts which have been forwarded or sold to another entity ( Debt Buyer ) Shall be removed. I am requesting this account removed immediately. Upon contacting your office and being told that you no longer service this account and that it was sent back to the original creditor you declined to remove the account from my business credit report. You were also informed that this issue was a residential/personal matter that was not in anyway connected to my business entity or my business address and you still refused to remove the account. Your placed theses collection account on 2 XXXX XXXX XXXX. At this juncture you were informed orally and in writing. 

15 USC 1681n, States : ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( Debt Buyer )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution. 
Inquiry is from XX/XX/2018 XX/XX/2018
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 money was sent from my stolen phone to an unknown number. Called the bank as soon as it happened said I had to call later in the day. as it was early on in the day. Bank says it was an authorized charge as it was done using my phone. But, I had explained my phone got stolen super unfortunate that I also paid XXXX dollars to retrieve the phone back and unable to receive my funds back. Ive been a chase costumer for about 5 years this is insane. The total amount removed from my account using XXXX was XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of several cases of identity theft now I can not open a bank account because I am part of the XXXX XXXX XXXX I need to get this matter resolved immediately it is affecting my business and financial life drastically
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. The credit reporting agencies are reporting several Inaccurate accounts and Social Security numbers on my reporting as well as names and addresses. This information being reported is XXXX percent Inaccurate and it needs to be removed Immediately. For these inaccuracies have cause me grave financial trouble. Please remove Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Account Type : Auto Loan Date : XX/XX/year> Balance : {$17000.00} with {$8100.00} Past Due Phone # : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Incorrect reporting Charge-off
Product: Debt collection

I XXXX XXXX have filed an Identity theft report regarding this fraudulent account remove this from my credit report| asked for my signature which resulted in this claim against me nothing. The document that they sent to this address still does not identity this is me a. Letter of validation proving you sent this to this address does not justity this is me.There is no proven evidence so please state evidence regarding my signature and the following Original purchase agreement that shows you are the legal owner of this debt please include all terms in conditions that are included in this purchase agreement.
Product: Mortgage

After multiple phone calls to TIAA bank and also using their online contact forms I am unable to obtain my 1098 tax form from the company.

Their email reply to me is to retrieve the 1098 from their website. I have replied twice with this text below that they either are not reading or are ignoring : -- -- -- -- -- -- -- -- -- -- -- -- -- When I sign in and click on " View Year End Statement '' it still displays a message saying " Requested 1098 File Does Not Exist ''. 

I did not receive a XXXX statement with the 1098 and now I've just received my XXXX bill. 

If you can not fix the website then just attach my 1098 PDF to an email and send it to me so I can complete my taxes. 
-- -- -- -- -- -- -- -- -- -- -- -- - This is getting serious as it is preventing me from completing my 2020 taxes. This is costing me money and will eventually force me to deal with the IRS which I have never had to do before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item ( Reference # XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX ) with Experian, and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and they have no record of Experian contacting them. It is clear that they do not report to you or to any credit bureau for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to Equifax to remove inquiries that I have not made on my credit report. I discovered these inquiries while reviewing my credit report report. Each time I have made these request by phone, mail and online they have sent me the same letter, which only explained what an inquiry is. By Equifax sending me this letter and reading me this script several times allows me believe they have not reviewed the inquiries belong on my credit report or my disputes. This is the only documentation I have received. My disputes began in  XXXX  of this year. The following days I initiated disputes of these inquiries :  X/XX/2017   ,  X/XX/2017   ,  X/X/2017   ,  X/XX/2017    and  X/XX/2017   .
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Money transfer, virtual currency, or money service

I'm having verification issue with my blockchain wallet account. 
I transfer Bitcoin from XXXX in XXXX of 2023 to BlackchainXXXXXXXX in order for me to trade, the account has to be verify, I had sent several emails asking for verification, but I still have not receive any clear instruction on what is the documentation needed, however I reach out to support and sent many times emails attaching mi ID and copy of my husband Id since the account is a join account, and as prove of my identity, I have been waiting over 4 month and they don't respond to me, my Bitcoin is trap in this account. 
Blockchain.com do not responded to their customer service number or email creating a ticket # XXXX that just says Open and doesn't have any clear instructions on how to verify my identity. 
this Company is
Product: Credit reporting, credit repair services, or other personal consumer reports

After several requests, Certified letters, online complaints, and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my XXXX credit report. I do not accept a third-party reporting service co-owned by XXXX. ( LexisNexis ) This is required under the FCRA section 605.  Please advise how this item is verified as we have checked with the reporting court and they have no information from XXXX or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request LexisNexis to supply me with a verification letter regarding this matter or remove the reporting from my credit report immediately. 

Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached. 

Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit. 

I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. Please correct this matter immediately and provide me an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom at may concern : I know my right under the Fair Credit Reporting Act. In 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. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX 15 usc 1681 section 602 A. states I have a right to privacy.

15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 usc 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: Money transfer, virtual currency, or money service

First the identity theft was after scam. I didn't know I was being scammed until the wire transfer was done. And I kept trying confront the person, the account that the money went to had nothing to do with customs, that's how I learned, it was a scam. After that the same person got a hold of my account information, trying to deposit a bad check. So learn the whole story before denying me anything. You did not investigate because you don't even have story correct. Maybe your involved in the scam.
Product: Credit reporting or other personal consumer reports

To whom may concern, please be advised I have been discussing mortgage assistance options with XXXX XXXX XXXX from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXX XXXX XXXX and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate XXXX XXXX XXXX  for their practices in general and in specific with mortgageassistance
Product: Credit card or prepaid card

Synovus Bank took {$220.00} for pre paid debit card. on XX/XX/XXXX, XXXX XXXX XXXX took the money and same day mail me a letter on XXXX XXXX then mail me a letter stating they need make sure it me and ask for copy of my drivers license. Utility. 
They took the money I paid extra to expedite the card. This company is nothing but a scam.
Product: Checking or savings account

Navy Federal has overdrawn my account on many occasions with my bank accounts reflecting lower balances then the amount of a payment and often time the bank will authorize those payments to some how go through.
Product: Credit card or prepaid card

On XX/XX/2018 at an XXXX XXXX I bought a {$200.00} Mastercard gift card, issued by U.S. Bank.

On XX/XX/2018 I went online to register the card. I discovered it had been registered to someone else. In addition two purchases were not mine : XX/XX/2018 {$160.00} at XXXX XXXX XX/XX/2018{$4.00} for XXXX I called the customer service number on the back of my card. I was instructed to fax three pieces of information : 1. front and back of gift card 2. government ID 3. receipt of purchase OnXX/XX/2018 I faxed that information, accompanied by a cover letter.

I have received no response.

OnXX/XX/2018 I called again. I was told no live person can help me, and I must fax the information again.

I've read on online forums that fraud is prevalent with U.S. Bank-issued Mastercards. I've read that U.S. Bank will not respond to consumer complaints of fraud. I've read that a resolution is offered only through a CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with capital one was closed in XXXX of 2020 by capital one with NO BALANCE. In XXXX of 2020 a disputed charge was added back to the account and I was not made aware of it. The account began to accrue interest as well as late fees. The account has now been marked 30 days past due even though I have never been late on this card. It now shows on my credit report as closed as of XX/XX/2020 its in collections when CAPITAL ONE has NEVER attempted to contact me to inform me that a dispute was added back to my account. They stated they mailed out statements to an incorrect address. Ive lived at the same address for over 5 years and have never changed my address with capital one. How ironic is it that when my account is closed and money is owed you guys tell me I changed my address so you had no way of contacting me! I had no access to online banking they restricted access in XXXX of 2020 I just regained access XX/XX/2020. So there was no way for me to get a fair chance at paying this balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to have the following information deleted from my file. I have recently been denied for a heating system and when I pulled my credit report I noticed a account that does not belong to me reporting on my file. I also noticed about seven inquires that dont belong to me. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible so that I can get the repairs I need done without having to pay thousands of dollars that I do not currently have.
Product: Payday loan, title loan, personal loan, or advance loan

Charged additional for a insurance product that I was instructed i had to have in order to get a loan and additional interest was charged with one main financial
Product: Debt collection

I XXXX XXXX am a XXXX year old retired woman. I along with my husband are on a fixed social security income. In addition, my husband has been hospitalized most of 2019 and is in a XXXX. I keep receiving invoices from a law firm located in Pennsylvania, claiming that they are trying to collect a debt from a debt buyer known as LVNV Funding LLC. The letter also claims that the original creditor was XXXX XXXX XXXX  XXXX. I believe that this debt is so old that it can no longer be collected in the state of Tennessee. However, I can not pay this collection, and between my husband 's health and my own personal issues, I request a full history of this debt, including its sale to the debt buyer entity. I request forgiveness of this debt in exchange for a 1099C income against me and my personal income taxes. I simply have no money to pay on this invoice, and I along with my husband are in poor health. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a XX/XX/2020 letter from XXXX XXXX  indicating non-approval of my application for a credit card, I requested a free credit report from Sagestream LLC in a forwarding of the letter on XX/XX/2020 ( attached file ) to the address provided in the letter, per FCRA law.To date, I have not received the free credit report from Sagestream used in the credit decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this bureau regarding ALL the unauthorized hard inquiries reporting on my consumer file that I DID NOT AUTHORIZE. They never contacted me back with any answers, they never removed the hard inquiries and their customer service would not help and take care of the negative inquiries reporting to your credit report. This inaccurate information they are reporting is hindering me from being approved for any loans or future credit. I need this investigated and these hard inquiries listed below removed immediately.XXXX/XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX/XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX