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

Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX 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, credit repair services, or other personal consumer reports

There are two credit card accounts being reported by Experian that are a result of Identity theft. I have disputed these accounts on several occasions, including submitting a FTC identity theft report. Experian continues to report these accounts in violation of FCRA.
Product: Credit reporting or other personal consumer reports

The following hard credit inquiries we're pulled without my permission. 

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 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

My name is XXXX XXXX, I had an loan with a company name Ocwen Servicing Loan in which was brought out by XXXX now XXXX XXXX. At the time of transfer, I asked several account rep and Service manager to validated the payment history before assuming this loan from Ocwen Servicing. At no time XXXX now XXXX XXXX   validated or send me a verifiable payment history with Ocwen servicing Loan. I eventually paid this loan off and ask for this account to be closed. At this time, the credit report is not correct due to the date and open of the account, payment history, and the account showing closed as of XXXX17.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal student loan account opened at Dep of ED on XXXX/XXXX/XXXX under the account number XXXX an XXXX loan account opened at Dep of ED on XX/XX/XXXX under the account number XXXX a XXXX account opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries : XXXX XXXX XXXX XXXX in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used my Federal Relief check to make WellS Fargo whole while my business suffered losses commencing XXXX Covit 19 as we are in extended lock down in XXXX, New York. Hence, we are square and yet my credit score tanked 50 points!
Product: Checking or savings account

TD Bank has effectively violated the Error Resolution Procedure set forth by the EFTA ( 12 CFR 1005.11 ( C ) ( 2 ) ) On XX/XX/2019 I entered my local TD branch to notify them of several transactions that seemed suspicious. I was ordering supplies from what I thought was a legitimate supplier, and their delivery date was 3 days from when the order was placed. It has been over 3 months, I have no received anything. I told the customer service representative that I did not recognize the billing descriptors, and that it could be possible fraud or phishing, she recommended the dispute be entered as " services or product not received '' So on XX/XX/XXXX, I was mailed a letter from TD Bank stating that I, the " consumer '' needed to provide more information as to what was ordered and the expected delivery date, and that provisional credit has been denied for the amount of {$3700.00}. The reason? " Claim amount is too high to provide provisional credit, and that I have to wait 60 days until TD Bank receives communication from the merchant in question as to the validity of the transactions, before any credit will be issued. 

Now, I am a self-employed XXXX  XXXX XXXX for several processors, and I know EXACTLY what happens when a customer fills out a Regulation E form and signs it, which I did at the time of dispute on the XXXX of XXXX. TD Bank either has debited the merchant and is unwilling to provide provisional credit because they are uneducated on the process they MUST follow, or they are unable to debit the merchant because the merchant account has been closed. If they had followed the correct procedure and submitted the charge back in a timely fashion they may have received the funds. 

Regardless they have violated my rights under the EFTA to a provisional credit within 10 business days, as there is no ceiling as to the amount being a restriction in providing provisional credit. I have had this account for over 2 years, and I have 5 business accounts with TD Bank, which I am seriously considering taking elsewhere if this is not rectified immediately. 

It is now XX/XX/XXXX, and I have called the merchant, AND TD Bank every other day - I have received conflicting responses from multiple managers and reps, all saying different things. One rep even told me he was going to get me the person 's number who could " expedite '' my claim, this was interesting, so I held the line. He came back and gave me the number to my local branch. Are you kidding me???
Product: Vehicle loan or lease

My car was in an accident onXXXX my car was towed to XXXX XXXX XXXX XXXX XXXX On XX/XX/21 the finance company Westlake Financial Services went an repossessed my I'm not behind on my carnote I've always paid my carnote on time or before time now my car is at XXXX Texas XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX up for auction the insurance hasn't had the chance to look at my damages how is it possible for them to take my car and I'm not behind on my carnote My name is XXXX XXXX my phone e number is XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Subject : Demand for Removal of Charged-Off Accounts from Credit Report and Credit Profile To Whom It May Concern : I am writing to demand the immediate removal of any and all reporting charged-off accounts from my credit report and credit profile. Upon review of my credit profile and most recent credit report, I have noticed that these charged-off accounts are inaccurately reflected, and I am demanding their suppression and deletion based on specific legal grounds. According to the Internal Revenue Service XXXX IRS ) guidelines and federal case law, charge-offs are considered taxable income. In accordance with federal taxation statutes and established case law, income is defined as an accession to wealth, clearly delineated under the Sixteenth Amendment of the United States Constitution. Furthermore, case law, such as the landmark Supreme Court case Commissioner v. XXXX XXXX XXXX ( XXXX XXXX XXXX ), solidifies the principle that income encompasses any accession to wealth, regardless of source, and is subject to taxation unless explicitly exempted by law. Given the aforementioned legal precedent and IRS classification of charge-offs as taxable income, it is evident that reporting charged-off accounts as part of one 's credit profile is erroneous and misleading. Charge-offs do not reflect ongoing financial obligations or active credit balances but rather constitute a tax consequence that is separate from the creditworthiness of an individual. I am hereby demanding that the charged-off accounts listed on my credit report be promptly suppressed and removed in adherence to federal law and the established legal understanding that charge-offs should not be part of one 's credit profile due to their classification as taxable income by the IRS. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the accuracy and fairness of the information contained in consumer credit reports. As such, I expect your agency to take immediate action to rectify this discrepancy and expunge the aforementioned charged-off accounts from my credit report within 30 days of receipt of this letter. Failure to comply with this request within the stipulated timeframe will leave me with no choice but to pursue legal action to enforce my rights under the FCRA and seek remedies for the inaccuracies present in my credit report. I appreciate your prompt attention to this matter and expect a written response confirming the removal of the charged-off accounts from my credit report within the specified timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this because back in XX/XX/2020 I filed disputes with XXXX, XXXX  and Equifax. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.
Product: Prepaid card

On multiple occasions, i have submitted complaints regarding the manner in which transactions are handled and regarding the lack of knowledge or outright unprofessional behaviors observed from their support staff ( including actions taken to block me from reviewing my own account history because there was proof of them providing me misinformation. ) Everytime I report any issues, I am provided with a Reference number for the complaint they 'have registered on my behalf '. On multiple occasions, I have asked how to follow up on the submitted complaint, using the provided reference number, but they refuse to provide any information. Every single agen replies with a copy/paste message ; " Based on our review of your concerns and the actions we have taken to address them, as well as not receiving new concerns or new information, we consider the complaint to be closed. '' And then continues to paste this over and iver if i trying inquire further or ask to speak with someone of a higher position.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent Experian a certified mail letter requesting information in which I have yet to receive a response! Experian is in violation of my rights as a Federally protected Consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an alert that there was a change to my Experian, XXXX and XXXX Credit Report. When I signed into each one of my credit bureau online accounts I noticed that there was a report of 2 accounts that were reporting without my permission. One account is XXXX XXXX XXXX  and another for CAF. According to the Fair Credit Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. I did not give Experain Permission to report this on my credit profile and has attached the screenshot of the notification I received as well. I disputed the information however Experian, XXXX and XXXX has failed to comply. Things affecting my ability to obtain sufficient and fair due process to credit because of this
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates acc

ording to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or
incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I rented at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX - At their XXXX XXXX for eight years. They sent an {$890.00} debt to National National Credit systems because they allege my cat damaged the carpet. 

I was there for eight years and can prove that. Damages to carpet are normal after eight years. They said it was because of cat pee. When National Credit systems contacted me the SECOND TIME after I told Them to STOP, they sent a copy of the lease. This does nothing to prove these damages or that I am liable for them & I told them to stop. 

Residence at XXXX XXXX XXXX  XXXX XXXX, XXXX CO XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. 
The same carpet was there the whole time. 

National Credit Systems address is XXXX XXXX XXXX. XXXX GA XXXX Although their original correspondence was from XXXX CA. 

Legal aid said I could ask them to stop. I sent a note to that effect & they contacted me again.
Product: Checking or savings account

Im sending this Copy of the check I gave to a Business call XXXX XXXX XXXX and other person REMOVED LABEL and put a name on it and Cash it, that easy Wells Fargo support a thief instead of a Wells Fargo Member or Customer that I being having Accounts with you for several Years. 
I requested over the phone to place a Claim about this XXXX and since Im XXXX and my English is not god, The Representative didnt get the point of my view when I tried to explained that someone REMOVE LABEL THAT I PLACE TO THE PAYEE AND THE THIEF PUT THEIR NAME OR COMPANY NAME INSTEAD., I being Ignored. 
I place a complaint about this misunderstanding from your Wells Fargo Agent and I even received letters from you asking me to wait 10 days to hear from you and even with that, I BEING IGNORED. 
My attorney advised me to ask you in the best way and I dont like to have to go legally and Close all my accounts with you. 
Thanks in advance, I will be waiting for your response only by e-mail or mail Since I cant thrust your word anymore after you lied to me and words didnt count at all. 
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX CHECK # XXXX {$1000.00}
Product: Debt or credit management

I asked portfolio recovery for all this information and they did not and could not provide any info and still added the debt to my credit report
Product: Mortgage

On XX/XX/XXXX-18 my agent submitted an offer and all documents to Ditech for the short sale. She has continually been asking about postponing the foreclosure sale date, but Ditech keeps saying they are missing documents even though my agent has sent them in repeatedly. when she called in today she was told they couldn't review the offer until they had a postponement of the sale date, which is THIS FRIDAY!
Product: Credit reporting, credit repair services, or other personal consumer reports

So I got a used car loan from XXXX XXXX, and they put the wrong address on my account, I stay at XXXX XXXX XXXX XXXX NC. They put some Virginia address where I didn't stay at.
Product: Credit reporting, credit repair services, or other personal consumer reports

My realtor checked my credit profile and there is a collection on all three bureaus for {$290.00} from CCS COLLECTIONS ALLEGED ACCOUNT # XXXX that does not belong to me I sent CCS a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from CCS XXXX This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I called the XXXX to verify this debt and no one could give me information on such a claim. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the XXXX XXXX XXXX ( XXXX ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.
Product: Money transfer, virtual currency, or money service

The account is locked, i can't buy new bitcoins, ethereum, etc.
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Case ID: XXXX Updated: XX/XX/XXXX XXXX PDT Created: XX/XX/XXXX XXXX PDT
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XXXX XXXX.
XX/XX/XXXX XXXX
why are my buys disabled?
Coinbase Support
XX/XX/XXXX XXXX
Hello and thank you for contacting us.

Our records indicate that you may be writing in to us asking about a cancelled order or the inability to buy digital currency using our platform.

Cancellations and account restrictions are applied by our automated software, and sometimes in error. If your account or an order you placed has been negatively affected by this, we sincerely apologize.

We definitely want our good customers to be able to buy digital currency with us easily. If you feel that a cancelled order or account restriction was made in error, or you have another issue that needs to be addressed, please reply to this email letting us know.

Also, please take a moment to ensure that you have verified your ID with us. You can double-check this by navigating to https://www.coinbase.com/XXXX and checking to see if your ID document is on file with this. Please note that we may not be able to review your case until that document has been uploaded.

Thanks for your understanding as we continue to grow and improve our services.
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XXXX XXXX XX/XX/XXXX XXXX
I Think there is an error.
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XXXX XX/XX/XXXX XXXX, "Coinbase Support"  XXXX XXXX:
XXXX XXXX
XX/XX/XXXX XXXX
Hi, any news? buys are still disabled!!!

Too much time to solve a simple thing..i think i will move to another platform.
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XXXX XXXX XX/XX/XXXX XXXX
Hi, my buy are still disabled.
What can i do?
It's one month that i'm waiting for a reply and If i will not have it in
few days I think I will close my account.

Best Regards XXXX XXXX -------------------------------------------------------
XXXX XXXX XX/XX/XXXX XXXX
I've uploaded 2 documents but it says that only one is present but in the page there are two
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XX/XX/XXXX XXXX Good morning, 
i've uploaded 2 ids but i have still limitation on my account.
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XXXX XXXX.
XX/XX/XXXX XXXX
Good morning, 
i've uploaded 2 ids but i have still limitation on my account.
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XXXX XXXX
XX/XX/XXXX XXXX
document re-uploadedI've tried to contact them 
i'm still having this issue since months and no one from the support have fixed it..
I've tried to reupload my documents but nothing has changed.
I'm seriously thinking about closing my account because of the lack of support.
Will someone answer to my questions? thanks

Best regards,

XXXX XXXX
Product: Checking or savings account

My account was put in review to be closed after a few months. They gave me no set date on when it would be finalized, they also gave me no reason for why it was closed. I asked to have the remaining balance sent to an XXXX account already linked. They refused because they said my number wasnt registered in my name even though they verified me in XXXX different ways INCLUDING SSN. They have been very difficult to work with and I have no idea when Ill be getting my money. After the situation occurred I did some research and learned that this is very common with this company.
Product: Credit card

I was trying to resolve fraud with citi, i am an id theft victim. In the last week we discovered the fraud spanned back much further than thought. I was on the phone with citi, we discovered non-matching ending and beginning balances, we discovered at least one false merchant. Then i was hung up on. This displays an unwillingness of citi bank to resolve my identity theft. They are coercing me to either pay the false charges of a felon or lower my score. That is extortion.