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

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for XXXX  months now. TRANSUNION has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.
Product: Debt collection

First, I never received notification from Diversified Recovery Bureau, I had to notify them after XXXX stated that XXXX XXXX XXXX in XXXX GA had my account at the tune of {$2400.00}. Im a Veteran and I agreed to Settled with XXXX for {$870.00}, I only borrowed {$1400.00}, and made XXXX payments in the amount of {$160.00} each. I spoke with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX but she only gave me the Run around. I spoke with XXXX XXXX supervisor with Diversified Recovery Bureau and offered {$870.00} to Settled {$1400.00} debt, to-date Ive not heard back from XXXX XXXX XXXX as of a matter of a Fact he, XXXX XXXX XXXX XXXX, and stated that I wasnt to CALL DIVERSIFIED RECOVERY BUREAU and that he was sending my Account back to XXXX XXXX XXXX XXXX Im prepared and Ready to Settle this very small matter RIGHT NOW at this very moment!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

To Whom It May Concern, Account # XXXX This letter serves as a formal Notice of Dispute and Pre-Arbitration Demand regarding the alleged debt you claim I owe. Since you purchased this alleged debt from XXXX, you are subject to the arbitration agreement included in the original XXXX agreement. 

I am well aware that initiating arbitration under this agreement will cost your company thousands of dollars. Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. 

Settlement Offer : I demand a payment of {$XXXX} as compensation for the XXXX, emotional distress, and financial hardship this alleged debt has caused me. 
You must delete this tradeline from all credit reporting agencies and any other parties to whom it has been reported.

Documentation Request : To validate your claim, you must provide the following : 1. The chain of assignment or title of the debt, showing how and when you acquired it.

2. The date of first delinquency.

3. The amount of my last payment and supporting records.

If you fail to provide this information, it will constitute a violation of the Fair Credit Reporting Act ( FCRA ) and demonstrate that your reporting is inaccurate. 

Please be aware that if this matter escalates to arbitration, I am fully prepared to proceed, understanding that the initiation fees alone will cost your company over {$XXXX}. 

You have 14 days from the receipt of this letter to respond with the requested documentation and confirm whether you accept this settlement offer. Failure to respond appropriately within the specified time frame will leave me no choice but to initiate arbitration and pursue all legal remedies available to me. 

This letter is not a waiver of any rights under federal or state law. I urge you to take this opportunity to resolve this matter efficiently and avoid further financial and reputational consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to file a dispute with XXXX and XXXX about an item on my credit file showing incorrect dates that affects the time limits as to how long the debt remains on my credit report. The collections account in question shows the wrong first date of delinquency which in turns allows for the item to remain on my credit report for a total of 9-years. I have records I received from the collection agency that shows the last day of payment on the account being XX/XX/XXXX and no subsequent payments made on the account thereafter. After the account was past due for 30-days no other payments were made on the account which would have put the date of first delinquency at XX/XX/XXXX. XXXX  and XXXX  has listed the date of first delinquency as XX/XX/XXXX, which is incorrect. This date is exactly 2-years after the correct date of first delinquency. Attempts to provide evidence for this has not worked as XXXX and XXXX does not allow me to upload supporting documentation on their website. I attempted to dispute this information after receiving my free credit report from the website XXXX  and XXXX and XXXX has refused to let me dispute the collections account and instead made me pay for their service which costs {$19.00}. After purchasing their credit monitoring service to file a dispute, I am still not allowed to file a dispute with supporting documentation. The incorrect information concerning the first date of delinquency remains on my credit report with XXXX  and XXXX. The collections account in question should be removed from my credit file on XX/XX/XXXX not XX/XX/XXXX. 

Waypoint Resource Group intentionally supplied the credit reporting agency with false information in order to extend the date of the debt on my credit file. This activity is fraudulent and in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I went online in XX/XX/2021 to get my annual Equifax credit report. At this time, their system said it " encountered an error '' with no explanation given and that I had to call them. I called them and was given the run around that I needed to verify my identity by mail. I never received identity verification mail so I called them again in XX/XX/2021 and they did manage to solve the error when trying to get an XXXX. However, the system gave a new error instead that it was unable to provide the report online and only by mail. This took 5 weeks to receive which is XXXX. and the letter I got in XX/XX/2021 only said " Our records show that you have already received your annual credit report from Equifax ''. I have never received an annual credit report from Equifax, not within the past year nor ever actually. I would call them again but at this point I think it's clear they're being abusive. It is unlawful to withhold my credit report like this. 

Please let me know what steps to take.
Product: Credit reporting or other personal consumer reports

Hi my identity was stolen i still live with my mom in my hometown and multiple apartments out of state and credit cards were opened in my name that I had no knowledge of. Recently, I mailed multiple letters requesting verification of inaccurate accounts reporting on my credit report. All the bureaus including XXXX, Equifax and XXXX ensured that all accounts on my credit report was verified. When in all actuality i never consented anything to be reported on my credit report given im just starting to build credit for future reference.
Product: Debt collection

Credence keeps calling me for debt collection for XXXX XXXX XXXX. But I called XXXX XXXX XXXX and XXXX XXXX XXXX told me all accounts have been payed and that I should dis regard the calls from credence. Credence keeps calling me and I dont know what to do. The guy in the phone started getting very annoyed with me because I wouldnt pay. It felt like he was harassing me. I was never notified by XXXX XXXX XXXX that I even owe this money. Something doesnt seem right. I feel like Im being scammed.
Product: Debt collection

I have been harassed by this company for several years regarding an alleged debt, without any verification of the debt amount, account number, or the original creditor. On XX/XX/XXXX, I made another attempt to contact them via email, but I have yet to receive a response
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at XXXX XXXX XXXX XXXX XXXX IL XXXX from XXXX this was my home and I owned it until we sold PLEASE TAKE THE FOLLOWING OFF MY CREDIT REPORT I never lived at XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX I never lived at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX
Product: Checking or savings account

Netspend closed my account and I am unable to access my funds they wont give me any other info only that they will mail it in form of a check inacoupleweeks
Product: Credit reporting

please find attached the FTC and the dispute letter, for which i have been sending to XXXX credit agencies for many times and they have not been able to resolve this issue, i am a victim if ID theft and have the police report attached to mu documents. 
XXXX accounts are not authorized and need to be removed from my records ( attached dispute letter ).
Product: Checking or savings account

Bank is unable to generate a statement for the month of XXXX as they promised they would. They provided a statement from XX/XX/XXXX to XX/XX/XXXX. What is needed is a statement from XX/XX/XXXX to XX/XX/XXXX. 

I am trying to close on a home and need a monthly statement. I've worked with the bank directly for over a month and have been told to be patient. I was told today that they are unable to produce the statement. No good explanation has been offered.
Product: Checking or savings account

I am still continuing to have issues with Fifth Third bank. I am beyond sick of issues and fees with this bank I called in because I was assessed two {$37.00} fees, and the guy couldnt even give me a clear answer at first as to why the fees were even assessed to my account because the one transaction he claimed that made my account negative was not the actual one so then he said it was two other transactions and it short my account was charged a {$37.00} fee for being overdrawn {$1.00} approximately and then a separate transaction for 10 or {$11.00} from XXXX I have been having continuous issues with the my advanced feature on the app not working and at the time I had more than enough funds to initiate the my advance feature which shouldve covered the -11 or {$12.00} on top of that I wouldve had up funds of the 11 or {$12.00} in my account if I did not have unauthorized transactions on my account that I had to file dispute for for companies charging me illegally without my permission Furthermore, I want to add that I did try to even use the 24 seven chat feature at Fifth Third offers, and I spoke with an agent who said that he was looking into the matter of the fees and the transactions, but never actually came back to respond to give me any account information for almost 30 minutes he kept reading my messages I said OK and read but the agent actually never responded. Ive been having nothing but customer service issues and overdraft fee issues with this bank repeatedly I always bring my account to the positive by the end of the day if my account is negative at all and if theres other ways that Im supposed to do that because once again, Fifth Third mobile app is not working and sending me messages saying that its not able to do transfers and so forth then what am I supposed to do? How am I supposed to know to go through other platforms on Fifth Third to fix their technical issues that keep happening, especially when the 24 seven customer support doesnt provide any help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX Collection date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax is reporting incorrect information onto my consumer report. My name is listed incorrectly and the addresses that are listed are incorrect. My name is XXXX XXXX this is the only name that should be listed and this is the correct spelling anything else is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX  XXXX there should be no other address listed on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory in XXXX. 

1. Identity Theft BMW FIN SVC Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violate my right XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my right XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my right XXXX account # XXXX, has violated my right. 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 state a consumer reporting agency can not fumish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided a letter to the XXXX back in XXXX and for some reason, it has taken more time than it should and this information is incorrect on my report. Since it has taken more than 30 days the law states that these items should be deleted asap. I have provided my identification along with supporting documents showing that I am the one disputing these items. It is unfair that these items are affecting my personal ability to move forward in life.
Product: Debt collection

I received a collection notice for " XXXX XXXX '' which is my married name and my XXXX name, but I do not use it on any credit applications. 
The debt is {$180.00} plus {$17.00} interest. The holder is supposedly XXXX XXXX XXXX XXXX. 

This is not a valid debt. The collection agency ( Collection Bureau of America ) has failed to provide proof of the debt.
Product: Mortgage

Something is terribly wrong in my mortgage balance. I purchased my home at  XXXX   XXXX   XXXX  in  XXXX , Virginia in the year  XXXX . I have never missed a payment or ever been late with a payment since purchasing the home at said address. I have not ever made a refinanced loan to my knowledge since purchasing this home. However  XXXX   ( Bank of America )  have a balance of {$160000.00} remaining balance with a term of  XXXX  remaining years to pay. Some is fishy about this and when I asked to see the refinance package that BAC supposedly have on file they sent me  XXXX  sheets of paper that looks to be forged signatures. Also, the date of the alleged time was in the year of  XXXX  during the real estate crash. The previous loan was with  XXXX   XXXX  that  XXXX  purchased their loans.  XXXX  # is #  XXXX .
Product: Checking or savings account

Wells Fargo opened 2 accounts without my knowledge and authorization. The accounts were a Wells Fargo XXXX Checking account ending in XXXX and Wells Fargo XXXX XXXX ending in XXXX. I learned of these accounts while filing a complaint for identity theft add-on products I did not authorize. I have been trying to get a resolution since XXXX of this year concerning the unauthorized opening of these accounts however have just been given the run around. I understand the CFPB has fined Wells Fargo their illegal practice of secretly opening unauthorized accounts. Unfortunately, Wells Fargo has engaged in unfair, deceptive, and abusive acts or practices. I have been affected by being charged wrongfully for overdraft fees, unauthorized add-on products & unauthorized opening of accounts. I work in privacy and compliance and know the importance of safeguarding consumer data. I also know the negative affect when a company refuses to protect consumers data. I have included the statements and unsigned application Wells Fargo provided to me the beginning of this year which proves negligence.
Product: Checking or savings account

Today, XX/XX/XXXX, Simple customer accounts were transferred to BBVA. We are not able to access our account or funds. Their website keeps returning errors, even after they stated that they fixed it, and the phone line they gave us to call them, is out of service. Their is literally no one around to fix this problem. They are also hiding tweets that complain, so that other people can not find out the issues.
Product: Debt collection

I rented an apartment via XXXX XXXX in XXXX MD, I agreed that the debt was owed, I paid {$1300.00} of the debt and the remaining {$4600.00} on XX/XX/XXXX. I submitted proof of payment for the {$4600.00} by submitting my bank statement to XXXX Compliance Department in XXXX and again on XX/XX/XXXX. I also disputed this item with XXXX XXXX as well, XXXX XXXX did not ask me for any supporting documentation and refused to removed the debt based on the feedback from XXXX. I am requesting your help in getting this item removed. 

This item on my credit report is keeping me from being able to rent homes/apartment thus leaving me in a position to be XXXX
Product: Credit reporting or other personal consumer reports

I submitted a consumer dispute letter disputing the " Incompleteness '' and " Maximum Possible Accuracy '' of EXPERIAN and XXXX reporting of my consumer information. I discovered that their reporting of my consumer information violates section 15 U.S.C 1681S-2 " Rule of Construction '' and " Maximum Possible Accuracy '' because it does NOT comply with the " Rule of Construction ''. These violations has caused me damages. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX EXPERIAN DATE OPENED : XX/XX/XXXX XXXX  DATE OPENED : XX/XX/XXXX EXPERIAN XXXX LAST REPORTED : XX/XX/XXXX XXXX  DATE LAST REPORTED : XX/XX/XXXX EXPERIAN XXXX LAST ACTIVE : XX/XX/XXXX XXXX  DATE LAST ACTIVE : XX/XX/XXXX
Product: Debt collection

XXXX XXXX has handed my fraudulent identity theft case over to Lloyd & McDaniels PLC to sue me over a credit card that I never opened, never authorized to be opened, never used to charge anything, and never paid for. I am being harassed by this law firm in Kentucky and am to appear in court on XX/XX/2021 for an account that is fraudulent. I have written to them, filed disputes numerous times thru the 3 credit reporting companies, with XXXX XXXX themselves, and with their prior law firm XXXX in XXXX XXXX Florida. This needs to stop!
Product: Money transfer, virtual currency, or money service

I am filling a complains against Cash App ( Block , Inc . )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to delete an account that is not mine, I have sent a validation letter to the company and got no response. I have disputed the account on numerous occasions asking for a deletion. I recently had to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. XXXX  has also deleted a bankruptcy off of my report They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if XXXX  fails to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. Equifax countines to lie to me and tell me the bankruptcy court is providing and verifying this public record information to them but they don't. attached is a email from the bankruptcy court and email from pacer and documentation from XXXX   showing bankruptcy deletion. Please read carefully before lying again! I also filed a Id theft report numbered XXXX
Product: Mortgage

I own a condo in XXXX and fell behind in my condo fees because of a dispute. The condo assn filed a document threatening to sell the property at auction XXXX XXXX, 2016. I am XXXX % current on my mtg payment. This dispute is about condo fees and the bank 's collateral. I understand that the property is collateral for the loan. I wanted them to be aware of the threat to their collateral. 
As soon as I rec 'd the doc, I forwarded it to Nationstar Bank. I called them several times and sent emails and they told me repeatedly, someone from the legal dept would return my call. This went on for weeks. I hired an atty who was able to get them moving. When I did hear from their atty, XXXX XXXX, he requested, on the day of the auction, an extension. He stated that his office needed more time. Obviously, this was not acceptable to the board. I borrowed some money and I wired the funds when I did not hear from Nationstar atty. Unfortunately, the board atty, XXXX XXXX, said it was too late. I have no way of verifying what time the money was received by the other side. Now, my bank will not talk to me without an atty!! How do I get any service without paying an atty?. This can not be happening in America.
Product: Money transfer, virtual currency, or money service

I was sent some money on 2 different occasions abd was told in order to receive the money i have to send {$200.00} XXXX for security verification then send another {$200.00} XXXX for another kind of fee. And then another {$200.00} and I'll vet my money which i never did receive and then yesterday i was supposed to be receiving another transaction and i sent some more money only to hear i need to send another {$50.00} for bank fee What is up with that and i also was told that i will get all that money reimbursed back to me XXXX haven't received any of the money that was promised to me