23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. 

For the last time please take a look at my attachment and follow along : Item XXXX XXXX XXXXXXXX XXXX XXXXXXXX REFORTING TWICE ITEM XXXXXXXX XXXX XXXX XXXXXXXX Reporting twice 1. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/XXXX, closed on XX/XX/XXXX and reporting as two seperate accounts on credit report : All three agency reporting the same account last payment as : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? 2. How can you say you call the company and verified reporting inaccurate information? 3. How can you close the same account twice at the same time on a credit report?

4. How can the last payment be five ( 5 ) different dates and year??? 

Item # 2 XXXX XXXX XXXXXXXX XXXX # XXXX I have never have an account or done business with XXXX XXXX XXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXXXXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. Item XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXXXXXX XXXX XXXX Inaccurate information I now have enough credit reports to prove FCRA and FDCPA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report. 

They have all failed to mark each disputed items DISPUTED another FCRA and FDCPA violation which continues to cause damages to me : compensatory and punitive damages. 

PS : I am in possession of all credit reports to prove the violations and errors mentioned in all my disputes to the CFPB. I am giving them another chance to remove/Delete the disputed items before filing a claim in the Eastern District of Pennsylvania Federal Court .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about fraudulent accounts/Activity that are showing up on my credit report. 
Ive tried contacting the police department no one ever showed up when I called back I was told that they are short staff and will be out after I explained my situation to the dispatcher she then told me that someone will be out as soon as they are able too and no one ever showed up. 

I feel like my issue is not being taken serious and all I want is for this to be fixed and removed I am truly being affected by this and its causing me a lot of sleepless nights and distress and 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 dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any 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 1 ) information is in fact inaccurate Someone needs to be held accountable for this!
Product: Money transfer, virtual currency, or money service

Coinbase has locked my account and made myfunds unavailable to withdraw, ive contacted support multiple times now and they never give me an answer on why it has happened. I need to withdraw my money
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$9900.00}, {$9300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

3. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX FORTIVA is in violation of multiple laws set forth by Congress in regards to the following account XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( I XXXX XXXX ) and the person ( FORTIVA ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( FORTIVA ) shall not furnish any information relating to a consumer ( I XXXX XXXX XXXX to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. FORTIVA can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate because this account is income. I never received a 1099-C from FORTIVA for the cancelled debt in order to file as ordinary income. Where is my 1099-C? FORTIVA is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. FORTIVA has been committing Tax Fraud. FORTIVA has been HEREBY PUT ON NOTICE that they are furnishing incorrect & inaccurate information. 
XXXX, XXXX, and XXXX are not an affiliate of FORTIVA nor are they " Bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law and the CFPB website. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given FORTIVA whether it be written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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. The reporting of this account as a charge off is inaccurate & unlawful. Please Remove it from my consumer report.
Product: Credit card or prepaid card

I received a letter from pen fed credict union asking me for a late payment of {$15.00} dollar late fee cause I didnt pay my credict card from them I called and explain that I dont even know this bank I had never applied for this credict card and they told me that I used this card in Georgia to put gas in a car I dont have a car I live in ny I had never been In Georgia in my life They sent me to the claim department I made the claim twice already but they still sending me letters to make the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

As by Law, under 15 U.S Code 1601-  Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Money transfer, virtual currency, or money service

I opened up a spend account with Credit Karma. They denied several debit transactions that I attempted to make at XXXX. They advised me to make ACH transactions. I did. All of which they rejected, 3 days later. I incurred a return fee at XXXX and while I did receive my money back for two transactions. I have not received my funds back for the {$39.00} transaction. I made this transaction on XX/XX/2021. I have provided Credit Karma proof that they didnt release the funds to XXXX. My payment was rejected, I had to make a second payment, all of which I provided proof of. It is now 9 days later, 13 emails and 3 phone calls later. They will not provide me with the refund of {$39.00}. They continue to tell me that they will escalate my claim, this never happens. They then state that if the problem resolves itself, that I should let them know. I withdrew my remaining funds and intend to cancel this cardas soon as I receive my refund. I am simply asking for what is mine. They did not pay the merchant. They have not reimbursed me. This is theft. Thank you.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent XXXX XXXX a zelle payment for {$150.00} for a flooring project where he had sent me photos of floor he claimed to have purchased. This was done through XXXX XXXX  app using zelle. XXXX is not not responded and has appeared to have blocked me and maybe even closed his zelle account. This is fraud/scam/theft and Zelle and/or XXXX do not want to help support recovery. They are knowingly allowing fraudulent activity on their platforms with no protection for their customers. XXXX company is XXXX XXXX XXXX XXXX and is a registered company.
Product: Debt collection

Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Product: Debt collection

XXXX Services Inc. is reporting a non paid red light ticket on XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 

I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.
Product: Credit reporting or other personal consumer reports

Dispute accounts on my Experian but it was not corrected or removed. I did not sign any documents for the debt collectors that have been harassing me every day calling every hour of the day. Therefore, I am not sure what the debt is for. I provided that with Experian but they still agreed the accounts still stand as it violates federal law and my rights as a consumer. Experian investigation solution is to just call the company.
Product: Debt collection

On XXXX I contacted Alphera Finacial Services, to opt out of the sharing of my personal information with non-affiliated third parties.

Despite my request, Alphera Finacial Services, has continued to share my personal information with third parties. 

I have attached a copy of my opt-out notice to this complaint.
Product: Credit reporting or other personal consumer reports

They have failed to report the on time pay history for the months of XXXXXXXX XXXX XXXX XXXX XXXX, even after I have made numerous phone calls to rectify the problem. After my 3rd request, they when in an reported XXXXXXXX XXXX payment and still dint report the month 's preceding that payment. They were all to quick to report the debt, and charge 19 % interest, while they neglectfully negate the reporting the timely payments thereof. My credit score is suffering severely as a direct result in the holes of this pay history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts but the credit reporting agencies did not justify continuing reporting these unauthorized accounts, I'm demanding that this accounts be blocked immediately from my credit report. If not please provide physical certified documentation to support your reporting. The disputed accounts are, ( 1 ) XXXX XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX {$570.00}, ( 3 ) XXXX XXXX {$7600.00}, ( 4 ) XXXX XXXX/ Car {$0.00}, ( 5 ) XXXX XXXX {$0.00} ... 
Please remove immediately.
Product: Checking or savings account

This really involves an old issue and to this date of XXXX XX/XX/XXXX they still have not resolved it. I am including a letter I sent to XXXX XXXX. He responded with " there's nothing he can do to help me. I sent it to him certified. I know this is old, but they should still have a record of my safety deposit record. I check with them every year to see if it has turned up. Her is the letter : XX/XX/XXXX Certified Mail XXXX XXXX XXXX XXXX Wachovia Bank XXXX I am writing you concerning a safe deposit box I opened with Wachovia Bank in XXXX. The XXXX, Georgia branch on XXXX XXXX XXXX is no longer open. For the last year, I have been trying to locate my safe deposit box and its contents but to no avail. 

I contacted customer service and advised the box would possibly be at the next closest bank. There are several different branches in XXXX, Georgia. I have no idea which one to contact, so I called customer service. This is the information Wachovia should be providing me. Inarguably, there are some tracking mechanism in place to tell you exactly how and where you disposed on the boxes left at that branch at the time of closure. 

The box has gone unclaimed for over 12 years. I understand you have a XXXX  Department who handles unclaimed boxes. I was issued two keys to the box and have since misplaced them in moving. I am now and have been a long-time Wachovia  customer XXXX My address at the time was XXXX XXXX XXXX, XXXX, Ga XXXX. I was a previous XXXX  XXXX customer with an address of XXXX XXXX  XXXX XXXX, XXXX, Ga XXXX. I am a current XXXX  customer at XXXX XXXX XXXX, XXXX, XXXX, Ga XXXX.. 

I was told the contents are then forwarded to the Georgia Department of Revenue. Of course, I contacted Georgia Dept. of Revenue and they have no record of such. They have referred me back to Wachovia. 

The amount of " run around '' I have encountered regarding this matter is tantamount and very poor customer service. Realizing a lot of time has passed, I humbly request a little more assistance from Wachovia  to help bring this issue closer to closure. 

I would really appreciate someone helping resolve this matter. As a long-time customer, I do look forward to your assistance in a timely fashion. 

My current email is XXXX and my telephone contact is XXXX XXXX XXXX. 

Looking for to your response. 

Thank you. 

XXXX XXXX XXXX
Product: Mortgage

US Bank Home Mortgage reported my account as 120 days late, and it is showing a 0 balance. It shows that I have paid the balance, and lists that the account is closed, but the account status states " Derrogatory '' and still says 120 days late. Prior to selling my home in XXXX, I was put on a mortgage assistance plan which lowered my monthly payments and was supposed to bring my account current ( I believe this happened in XXXX, the home was sold in XXXX ). 

The reason my account became derogatory was because when I called in XXXX of XXXX, I was told that my account was in good standing. I called again a few days later to double check, and was told the same, however it turned out that one of my payments had been returned. For at least two months I went back and forth with customer service being told that it was in good standing despite having mail stating that I missed a payment. 

Eventually I spoke with a customer service rep who looked further into the details of my account and found that at this point, multiple payments had been returned, and my home was at risk of foreclosure ( this was in early spring I think ). They would not accept partial payment ( which is what they considered the payment for that current month ), and I was not in a position to pay multiple mortgage payments at once ( I was going through a divorce and on a tight budget that only covered one month 's mortgage payment per month ). 

I then applied for and was enrolled into a mortgage assistance program and was accepted, which I was told would bring my account to good standing. A few months later I sold the house, which paid off the mortgage in full, back in XXXX. Back then, I had the dates and times of my calls with customer service, but at this point, more than three years later, I don't have those details anymore since all of this should have been resolved when I enrolled in the mortgage assistance program, and certainly it should have been resolved when the mortgage was paid in full at the sale of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to Capital One who currently holds the account. 

I have disputed XXXX with XXXX, XXXX, and XXXX. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. 

I also called XXXX bank XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to capital one. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XXXX OF XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to capital one, whom they reported my account closed in XXXX to, the account was no longer in their system. It did not exist. This is a problem as Capital One only has statements up until XX/XX/2019, is stating my account was closed as ofXX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called Capital One ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XXXX and that is all the data they have from XXXX. The rep from Capital One told me to call XXXX to see if they could do something about my card being closed and inaccurately reported, but XXXX stayed they no longer have my account information in their system. Additionally, the XXXX capital one rep told me that I could just reapply if XXXX   couldnt provide any information. I re-applied for the XXXX card through capital one and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information pastXX/XX/2019. This account, the one that wasnt closed at all actually, the one XXXX  ILLEGALLY closed this month XXXX when they transferred/dont even have access to or own my account. 

Im literally stuck with a plummeting credit score, loss of time spent trying to correct this, and paying for a closed card that has no actual records beyondXX/XX/19on either end.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report, which has adversely affected my credit score. This is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Recently, my account balance was incorrectly reported. The correct balance of my account is {$XXXX}. However, the agencies reported that my balance increased, which is not true. Specifically, my balance decreased from {$XXXX} to {$XXXX}, and the correct current balance is {$XXXX}. 

According to 15 U.S. Code 1681 - Section 602 ( a ), I have a right to privacy. Additionally, 15 U.S. Code 1681 - Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Therefore, the erroneous reporting not only misrepresents my financial status but also violates my rights under these provisions. 

I request that the inaccurate information be corrected immediately, and my credit score be adjusted to reflect the accurate balance of {$XXXX}. Please confirm receipt of this letter and inform me of the steps being taken to resolve this issue.