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

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Product: Money transfer, virtual currency, or money service

I signed up with XXXX to aid me with credit card and payment transactions for my small business. A client paid his invoice of {$4300.00} on XXXX using their ACH option. I was notified that the process would take 2-5 business days and to expect the funds on XX/XX/15. At approx XXXX on XX/XX/15 I received an email from Square that they needed more information to process the funds. I complied by answering another 15 questions. Downloading business invoices, my DL ( again ) my banking information ( again ), corporate docs, etc... Then at XXXX I receive another email that my account has been deactivated. Just like that. I called to find out what was happening and was told they couldn't tell me anything by law. My account was locked up. The funds are unable to be refunded to my client. The told me they have the " right '' to hold the money for 90 days. I have tried to refund the money back to my client, can't do it because my account isn't active. So. The {$4300.00} will sit in Square for 90 days and then I have no idea what will happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX ATTN  CREDIT DISPUTES DEPT XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Product: Debt collection

I received a notice from Revco solution regarding a debt in XX/XX/XXXX I responded XX/XX/XXXX of XXXX, I sent them a notice of conditional acceptance and validation cease and desist affidavit they received the notification because they sign the certified mail return receipt. this company harasses me and keep sending me threatening emails. now I do not have a contract with this company, and they have my social security number my name and address which I did not authorize or give consent. I am tired of getting notices upon notices from this company with threatening abusive and oppressive language.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the bankruptcy on my Equifax credit report and Equifax claimed they verified the information through XXXX but they could not have due to a freeze on my XXXX account.
Product: Credit reporting or other personal consumer reports

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 : XXXXXXXX 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  : XXXXXXXX XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 than records of convictions of crimes which antedates the report by more than seven years.

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: Bank account or service

I went into a wells fargo bank branch on Friday XXXX/XXXX/16 to open another savings account. I was told there was something stopping me from doing that. After many hours of in person and phone contacts I was told that there was something stopping them from opening the account, perhaps a life lock freeze or credit bureau freeze and I needed to contact XXXX and XXXX which I did. They all said the same thing that I had a 7 year warning due to prior identity theft and I should be contacted at the correct phone number to ensure that it was me asking for credit or opening an account. I have had no luck getting wells fargo to understand this and am extremely frustrated. They seem to keep blaming me for putting a freeze on my finances that I have not done and seem incapable of fixing the problem. Ironic given that they are in so much trouble for opening accounts without peoples permission that they wo n't open the account for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is known for not providing accurate and updated information on consumer 's credit report. 

I am a victim of this issue. I have tried disputing several merchants that were not reporting correctly after my XXXX XXXX bankruptcy was discharged on XX/XX/2021. On XX/XX/XXXX I did a dispute to get the information updated. Within a matter of days, they closed it out as verified and accurate. When I asked them how did they verify the information, they said that the merchant verifies it and that's it. 

I asked to speak with a manager because they have overseas call centers handling our personal details which is unacceptable!!! 

XXXX XXXX, a rude and disrespectful manager called me and huffed and puffed through the phone the entire conversation. His tone was already sounding like he did not want to be at work. He raised his voice on several occasions to cut me off. 

He provided me with wrong information that I am now reporting to CFB in the hopes that Transunion is held accountable for not verifying and researching before adding accounts to a consumer 's file. 

XXXX XXXX advised me of the following details that are not true per the CFB and other government resources : 1. Transunion does not verify or research anything. He said when a dispute is filed, it goes to the merchant and they handle it. They are just a data storage company. That is NOT true. All credit reporting agencies are responsible for furnishing accurate information. 

2. Consumers can not block or freeze their reports or any other third-party reports at any given time. Transunion has and will always have access to third-party agencies even if that were possible because they can. THIS IS NOT CORRECT. Consumers can freeze their reports at any time by either requesting it via phone, online or by mail. 

Clearly, Transunion is not researching disputes properly. They are closing them and marking them as verified when they are not. This is hurting us consumers when we are trying to purchase a home, car, etc. 

Someone needs to hold these folks accountable.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX {$10.00} per month since new issuer took over from XXXX XXXX  to Continental Finance After the XXXX {$10.00} charge, which I attempted to pay was declined by CONTINENTAL, I called to request an explanation which they could not satisfactorily provide. I attempted to pay the {$10.00} again, but they did not accept it. I called again to complain, and told them that I never agreed to any new servicer that would be assessing monthly maintenance fees on silent, unused accounts. I asked for my card and account to be closed. Since then, despite not making any purchases on the card AT ALL, I have been charged fees amounting to {$60.00}. I'm on the phone with them AGAIN asking for the appropriate action. The fees have adversely affected my credit report. I don't know what else to do!!!
Product: Mortgage

Wells Fargo Mortgage & Wells Fargo Home Equity had bought my XXXX & XXXX mortgages with the purchase of Wachovia in XXXX. The XXXX mortgage was paid ahead 10 months as a result of extra principal payments from XXXX. In going thru a separation with my spouse XXXX Wells Fargo allowed her individually to change the paid ahead " buffer " to a principal reduction which changed the due date from XXXX XXXX, XXXX to XXXX XXXX, XXXX ( backwards & loosing 9 months ). The correction debited the paid ahead balance and credited the interest in an amount over {$40000.00} which the lender failed to correct on the XXXX mortgage interest reporting for that year ( attached ). 7 months later the loan was on the verge of default after my numerous attempts to correct this payment adjustment but was declined numerous times. I attempted a modification with the lender however Wells Fargo entered into a unilateral mortgage agreement with my former spouse only in early XXXX to payoff XXXX existing mortgages affected by the payment misapplication ( attached ). The lender had instructions and even printed my name to be signed on the mortgage documents ( attached ) however accepted my former spouse 's signature only without a divorce decree or quitclaim deed or court order as required by statute & XXXX rules. Wells Fargo then continued to report the loan under my credit bureaus for years thereafter and has as of this day never cancelled the paid off deeds of trust. The lender actually has denied access to loan information numerous times stating I am not a borrower, however continue to claim that I am the borrower and are using my property without consent. Years later in XXXX the lender finally removed credit reporting but in late XXXX it was discovered the lender had failed to cancel the paid off deeds of trust from the XXXX refinance with my former spouse ( only ). The erroneous credit reporting disqualified me for obtaining a mortgage during that time and the unreleased deeds have prevented me from obtaining credit as they continue to show an obligation. The bank has refused to correct numerous times and has violated not only Fair Credit Reporting act but XXXX, Truth in Lending, RESPA, Fair lending, XXXX rules, XXXX XXXX XXXX CFPB rules but have used my credentials and property without permission or court order to allow an individual ( former spouse ) to obtain an artificially low interest rate ( 1 % ) on a government subsidized mortgage while at the same time increasing living expenses and preventing further credit from being obtained ( identity theft ). Wells Fargo has also denied access to closing document information regarding title insurance name and contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requted equifax to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from equifax XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

co signed a student loan for my son, he has fallen on hard times unable to pay, I have retired, and have a very limited income, unable to pay. my son will be able to take care of this himself soon. The company calls by auto dialing everyday at least XXXX times a day on weekends the calls start at XXXX continue every hour until about XXXX. I have explained my deli ma, they offer me no other solutions.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED XXXX, EQUIFAX AND XXXX SINCE XX/XX/XXXX. NO RESPONSE. My identity has been stolen you are hereby put on notice for a second time. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such XXXX, be sentenced to a term of XXXX  of XXXX  years. An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. YOU XXXX, EQUIFAX, XXXX have aided this Fraud  by not verifying these XXXX. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX Case Number : XXXX This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account. 
XXXX. Unauthorized inquiry. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX. Unauthorized inquiry. XXXX XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX. Unauthorized inquiry. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX. Unauthorized inquiry. XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! XXXX. The presence of this XXXX  on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. 
Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX. XXXX XXXX  Account Number : XXXX The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. 
Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account. 
This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX. XXXX XXXX XXXX  Account Number : XXXX Please update the status of this account to " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent certified letter to CRA 's for them to DELETE all the Inaccurate and Incorrect personal information from my consumer reports. CRA 's has failed to respond back appropriately by Updating my Consumer Report with 1 correct name, 1 correct address, 1 correct employer, and correct SS #. As a valued consumer this is causing XXXX  and XXXX  hardships for my family and I. This is unacceptable Per federal law they're in violation.
Product: Money transfer, virtual currency, or money service

I'm a XXXX XXXX XXXX and I was approached by an " investor '' who worked in XXXX XXXX, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. 
He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade and move the market. Foolishly I tried investing {$1000.00}. I sent it to XXXX via wire and there it was exchanged for crypto currency and from there it was transferred to a XXXX XXXX where an exchange named XXXX was accessed through a " XXXX XXXX ''. After a few deposits he had me switch to from XXXX to XXXXnow it is obvious that XXXX had XXXX out the scam and shut them down. The first investment went so well that I decided to invest $ XXXX and of course the gains were astounding ( 30-50 % ). At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade which was open for 48 hours. Immediately after placing the trade he called me to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed ( 48hrs ) to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX to help " protect '' the position. Just before the trade was set to expire he called me and tried once again to get me to get the $ XXXX and or trade the last $ XXXX in my account and I told him no I was done. 
The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform which was held inside my XXXX wallet was fictitious and there were never any real trades made. 
The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number XXXX in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings
Product: Credit card

Representatives with U.S. Bank provided incorrect information on four separate occasions in the last ten ( 10 ) days. Billing errors include : ( 1 ) Failure to credit my account properly, ( 2 ) Failure to mail my statement to my current address resulting in no billing statements for three months, ( 3 ) Failure to provide additional information regarding my current balance, and ( 4 ) Failure to validate the debt reflected in the past due balance. I believe a portion of the " disputed amount '' and finance charges are part of my current balance and listed as " past due ''. U.S. Bank failed to correct the statements for the months affected by fraudulent transactions after credits were issued resulting in incorrect amounts due. The law states I do not have to pay the amount in question or any portion of the minimum amount due while the claim is under investigation. I believe U.S. Bank is in violation of my rights by restricting my account after receiving a formal dispute letter advising of my recent identity theft and refusing to send my replacement cards until I brought the alleged past due account current. Please see Attachment I listing detailed back up data for violations indicated above. 
Every time I call I have to repeat my story. I continually get transferred to Collections, Fraud Department and Customer Service and never get any type of resolution on my account. How do we get this resolved before I have to contact a lawyer?
Product: Debt collection

I have received my response from Portfolio Recovery, regarding my complaint over their non-response to my demanding their proof as to their adherence to the law with regards to the FCRA. They still have not demonstrated compliance with section 1681s-2 of the Fair Credit Reporting Act, they have not shown where, per my request in a letter to them, where they notified me, the consumer that they supplied the legally required Notice regarding their furnishing of adverse information to the credit reports, thereby doing damage to that consumers credit report. They ignored my initial letter requesting their proof of compliance with this law, as I only learned they were reporting on my credit when I checked my credit report, not from being notified of that by them, and I filed a complaint against them with the CFPB due to their non-response. 
Just yesterday I received letters from Portfolio saying they needed information from me in order to proceed forward with their investigation. They deflected the basis of my dispute issue and didnt even reference it as the enclosed document shows. Their response had absolutely nothing to do with the basis of my prior complaint. They are reporting information on my credit, it is therefore THEIR burden to prove that they are doing so in a legal and valid manner. They have not done this and their deflection demonstrates an inability to properly document their permissible purpose in accessing and reporting on my credit. Either they can answer this seemingly simple request for information to show that they followed the law or they cant. And if they cant then they didnt handle this alleged claim on me lawfully then they have no business accessing my credit or reporting items on my credit file, items that theyve never been able to prove in the first place. They should be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to Experian on this issue of fraudulent accounts as well as the creditor the accounts are listed below all are fraudulent accounts reporting on my Experian account XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Can't connect my XXXX  investing account with my PNC account