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

I told all the of the " Big 3 '' nationwide consumer Credit Reporting Agencies, Equifax, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX ( # XXXX ), XXXX- ( # XXXX XXXX XXXX XXXX- ( # XXXX ), XXXX XXXX- ( XXXX XXXX ), XXXX ( # XXXX XXXX, XXXX- ( # XXXX ), XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX- ( # XXXX ) I received notice from all three CRA 's ( XXXX, Equifax and XXXX ) that everything was verified as complete and accurate and that my disputes have now been completed and closed out. I am confused, how is it possible they " investigated '' all these accounts and declared them as accurate and verified if information such as : Account Open Date, Date of Last Activity, Payment Amount, and so much more is absolutely incorrect. Not only that but all 3 of the CRA 's are reporting different information. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 ( A ) States that I have the right to privacy 15 USC 1681 Section 604 ( A ) Section ( 2 ) States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that 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 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. 

These companies do not comply with or even attempt to be in compliance with Metro 2 credit reporting and I have all the supporting docs/evidence to support my claims.
Product: Credit reporting or other personal consumer reports

You report inaccurate debt information to my credit file. Please stop. Per terms of the contract there was a surplus of escrow funds for a year. The escrow was canceled XX/XX/2022 prior to purchase and XX/XX/2022 after purchase. But u continued to illegally hold escrow money and breach the contract by not refunding that amount to me. U are a thief and criminal. XXXX breached and then published inaccurate info on my credit file like its not illegal. It is illegal. It is in dispute. I beg u to stop reporting fake info on my credit file. The payment per month was NEVER with escrow. Please stop. No escrow payment is {$2100.00} not {$2700.00}. U stole that money from me for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not made any kind of business with all this accounts. All this information is incorrect. 
Please delete all this wrong information off my credit report.
Product: Checking or savings account

I went to Regions ATM and used my card and it went through the entire process and no money came out but the money has been removed from my card.. It was all the money I had left and Regions told me This happens All the Tim They told me I was taking a risk using that ATM and its nothing they can do. The clerk told me I maybe I should get a bank account because it was a government issued card. She was so unbothered by me like I was the ground she walked on and it was not a concern of hers. She even said like if I stick my XXXX XXXX card in there and no money comes out I called my bank and they will give me money back. She said I never knew they gave yall cards with money on it anyway like why? I told her Im sorry Im a XXXX mom working my way to provide for my kids and I needed a extra set of help that Im grateful for but Im working hard so my kids want have to. 

Address XXXX XXXX XXXX XXXX, TN XXXX United States
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the collections accounts from my credit file. I have not signed any contract of made in agreements with these company and they no right to report on my file. I have received any form a debt validation in a timely manner or at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurately reporting my old XXXX XXXX account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.
Product: Money transfer, virtual currency, or money service

Hello, I have 2 wire transfer withdraws that have been initiated through a cryptocurrency company called Coinbase in which i sold Bitcoin through them at market price to deposit in my checking account. Both of these wire transfers withdraws were initiated XX/XX/XXXX and show completed XX/XX/XXXX on their website. However both of these wire transfers have yet to be posted to my verified XXXX checking account. It has been 15 business days, way too long, even with the 5 business day delay for wire transfers they state on their website. Keep in mind they also charged {$25.00} dollars each for wire withdraws which have not been processed in a timely matter. I already have a support ticket that has been open for over 2 weeks thate has yet to be resolved, Case ID : XXXX. One wire transfer was for XXXX Bitcoin ( BTC ) for {$220.00} that shows completed on XX/XX/XXXX, reference code XXXX. The other was for XXXX Bitcoin ( BTC ) for {$240.00} that shows completed on XX/XX/XXXX, reference code XXXX. 

My Email for reference is XXXX
Product: Checking or savings account

Hello - I received a promotional offer in the mail form CHASE. Open a checking account, meet the promotional terms, get {$300.00}. Open a savings account, meet the promotional terms, get {$200.00}. Open both, meet the promotional terms of both, get {$600.00}. The promotional offer code is XXXX XXXX XXXX XXXX. I went through the motions of applying, only to be stopped by an error message stating that my address is a XXXX address, and therefore I can not open an account without going into a local CHASE branch. I don't live in XXXX ( I've never even been to XXXX ), and there are no CHASE branches in my local vicinity, so I tried calling CHASE customer service and unfortunately didn't get very far. I was told that since there are no CHASE branches by me, that I can't open an account ( which I'm fairly certain is incorrect - why send me the promotional offer and then advise me that I can't open an account? ). Therefore, I'm hoping that I can get someone experienced at CHASE who can assist me with opening these accounts via submitting a CFPB complaint. The offer states that I have until XX/XX/2019 to take advantage of the offer. I've attached a ppt with screenshots of the " wall '' I'm being met with.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX Partial Acct # XXXX
Product: Checking or savings account

There was fraudulent activity on my account on XX/XX/XXXX. Unauthorized checks came through my account that I didn't write nor did I authorize anyone to write. ( Hence since Ive had the account Ive never written a check or ordered checks ) After 30 business days I have not gotten any correspondence or information on the status of the investigation. I was told initially I would be contacted in 10 business days. To date I've called, went to the branch on several occasions and to no avail no one seemed to have an answer on the progress of the investigation. I called today XX/XX/XXXX and spoke with a TD representative, she gave me the name and the phone number to the agent that was handling my case ( XXXX XXXX ), however the number happened to be disconnected. I am aware that after 10 business days if there is no resolution on the investigation than a provisional credit will be issued. I spoke to a TD rep on XX/XX/XXXX and was told that was not the case. At this point I am very frustrated ; this has been a financial hardship and a great inconvenience. I need my money to be returned and my account to be cleared.
Product: Debt collection

I am writing to formally dispute the validity of an account that appears on my credit report. The accounts in questions, XXXX has been reported as opened without my authorization and contains charges that I did not make. I became aware of potential identity theft and fraud concerning my personal information back in 2020. As a precautionary measure, I contacted the appropriate authorities and was advised to freeze my credit until the issue was resolved. Despite taking this action, it appears that my concerns were not adequately addressed, and unauthorized activity has still occurred on my credit report. Under the Fair Debt Collection Practices Act, Section 1692c ( e ), I am entitled to dispute the validity of any debt claimed by a debt collector. I am exercising this right and requesting immediate removal of the aforementioned account from my credit report. I urge you to conduct a thorough investigation into this matter and provide me with written confirmation of the actions taken to rectify this situation. Additionally, I request that any charges associated with this unauthorized account be removed promptly to prevent further damage to my credit standing. Please consider this letter as a formal request for resolution under the provisions of the Fair Credit Reporting Act. I expect a timely response and resolution to this matter. Thank you for your prompt attention to this issue. Sincerely, XXXX XXXX
Product: Debt collection

FDCPA Violation Threats to take legal action, After I disputed with XXXX file number XXXX on XX/XX/2023 XXXX consumer relations..on XX/XX/2023 I got a threat to be sued in the mail.
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. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 also 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: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Debt collection

Tis debt is from 3rd party. Have paid {$400.00} to one party and then I get call from cross recovery that they are going to serve me to sue me. Also not getting any paperwork at all for this debt, when I asked for sale purchase that it was mine just ignored me. I asked to have the {$400.00} from other debt collector XXXX XXXX XXXX they would not accept, but payments were going to same collection place XXXX XXXX XXXX i feel i have not been fully or correctly served
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  sold a secured credit card account in  XX/XX/XXXX  to  XXXX   XXXX , this account was opened in   XX/XX/XXXX .  I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting age ncy, Especially   XXXX  and  XXXX , Transunion recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All   XXXX   credit bureaus are not allowing me to dispute this account online now. Please help me.
Product: Checking or savings account

XX/XX/XXXX I was preparing to pay my XXXX XXXX credit card bill from my Wells Fargo checking account ending in XXXX when i observed there was a significant dropped of cash amount on my checking since i always make sure that my checking always have sufficient amount because mainly all my auto pay from my mortgage and other bill pays were linked to this checking account. I tracked the account activity on my checking account and found out on XX/XX/XXXX unauthorized amount of {$8100.00} was charged on my checking account under BILL PAY XXXX XXXX XXXX XXXX XXXX XXXX ON-LINE and also before that there was an online transfer of cash amount of {$5200.00} from my Wells Fargo Active cash card, now i have an additional charge balance of {$5200.00} on my Wells Fargo credit card which i haven't authorized or done. I back tracked more on my checking account activity and found another unauthorized charge of {$7900.00} last XX/XX/XXXX also under BILL PAY XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ON-LINE. I never owned an XXXX XXXX I reported this fraud activity at that same day XX/XX/XXXX and closed those compromised accounts. Wells Fargo proceeded their investigation regarding my online fraud claim Claim # XXXX and determined the transactions and transfers were authorized and closed the claim, I requested those documents they used on their investigation which made them to decide that it was a legit/authorized transaction from me. I contacted the XXXX XXXX XXXX. yesterday XX/XX/XXXX and confirmed that i dont have an XXXX XXXX  under my apple account case # XXXX, The XXXX XXXXXXXX XXXX representative tried to contact XXXX XXXXXXXX XXXX in regards to this issue but unable to get through since I don't have an account number with them. I already filed a police report on this and also submitted a report on IC3 internet crime complaint of the Federal Bureau of Investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I opened the XXXX XXXX  account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.
Product: Checking or savings account

There was a company that kept trying to withdraw {$2.00} from this account over and over again and each time that it did so the bank kept charging me a return check fee of {$34.00} and this happened so many times that they closed the account with me still owing them all this money for return check fees even though I don't even know what this company was that was trying to charge {$2.00} and I asked the bank to put a stop to it keeping me from getting other bank accounts and affecting my credit.
Product: Debt collection

XXXX XXXX of Idaho turned me into CBI for a {$100.00} debt that I paid on XXXX/XXXX/15. They have refused to communicate with CBI that I did, in fact, pay the debt, and CBI subsequently calls me weekly, and has now falsely reported to the credit bureau that I owe the debt. I have been in communication with both the provider of services and collection agency to get this issue cleared up, and the provider of services is refusing to communicate with the collection agency.
Product: Debt collection

I CHECKED MY XXXX CREDIT REPORT AND IT SHOWED A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) CONTACT PERSON XXXX XXXX ( MANAGER ). XXXX WAS CONTACTED ABOUT THE FRAUD ALSO AND DID NOTHING.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I contacted avant asking them to provide me with a pay off amount. I was told the payoff amount was XXXX. On XX/XX/XXXX they received my check in the amount of XXXX. They sent me a confirmation email stating they have posted my payment to my account. After two years they started reporting to the credit bureaus in XXXX of this year stating that I was behind on my payments. When they were clearly paid off 2 years ago. I called them to ask what this was about and they told me I still had a balance with them because I didnt make XXXX payment in XX/XX/XXXX. But it clearly says in the payoff quote if you pay before XX/XX/XXXX XXXX will your be your pay off amount and they received my payment on XX/XX/XXXX. I asked them what needed to be done and they told me well you can take care of your balance but we cant tell you that balance until you have made 6 months of payments. I have disputed their reporting of late payments with transunion and they removed their account from my credit report. XXXX will not remove from my credit report they are telling me everything is accurate. I am currently waiting on an answer from XXXX. This company is horrible and try to get more money. Something is clearly wrong if after 2 years they decide to report to credit. They need to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD AUTO FINANCE
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  signed me up for a loan with Ally lending, which I didnt not want .when I called and complained to them, they said I must come in person to talk to them to cancel the loan. When I got there the XXXX XXXX XXXX threatened me saying I have to received their service or they will sue me, jail time and that their lawyer will make me pay the loan amount and thousands of dollars more if I tried to dispute the loan of {$17000.00} and she also stated that she will not cancel the loan .she took out in my name .i dont not agreed to this loan, for I was tricked into signing papers for just a plan, I have been  suffering from an XXXX  XXXX since XXXX XXXX, and medically I was never cleared for any XXXX XXXX  of such, anyways, because the medical treatments that I am receiving Then and currently would put my life At risk. Alley lending is sending bills with interest and Late charges totaling as of date {$17000.00}. I did call ally lending the day I got the bill and filed a complain and dispute with them with no help to have it resolves.i have send them letters also.