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

On XX/XX/XXXX, I received a phone call from Corporal XXXX XXXX from the XXXX XXXX Police, reference case XXXX. An individual was using my identity to purchase cars and start loans etc. 

Prior to XX/XX/XXXX, my credit score had gone down XXXX points, and just yesterday it went down another XXXX points. I tried to dispute with the credit card companies but nothing has happened. 

From XX/XX/XXXX to today, I have submitted several disputes with XXXX. No action has been taken by them. 

These are the following on my credit report that are not me : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please help! Thank you.
Product: Credit reporting or other personal consumer reports

Equifax has decided not to remove fraud and incorrect information from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

Experian stated that XXXX XXXX and XXXX XXXX reinserted the accounts and verified that it wasn't identity theft. According to the Sec. 605B. Block of information resulting from identity theft ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I contend that the late payment entry is inaccurate. 

Under the FDCPA, it is my right to request validation of this debt and proof of the alleged late payment. 

I urge your agency to conduct a thorough investigation into this matter and provide me with the following information : Documentation confirming the date and amount of the alleged late payment. 


Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation and resolving this dispute expediently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with XXXX about my TD Bank account. The account was listed as having been charged off in XXXX and XX/XX/2020. The account was included in my Chapter XXXX bankruptcy and discharged on XX/XX/2020. TD Bank did not change my account from charged off to discharged in bankrutpcy. I called and was told by collections that they did not know how to help me.
Product: Debt collection

The account was paid off by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX. I informed the Company when they sent over the letter and sent them an email confirmation as proof of payment. But they still went ahead and reported the debt to XXXX and XXXX.
Product: Mortgage

XXXX XXXX AT XXXX REACHED OUT OT US NOTE BELOW EMAIL INTERATION Re : XXXX Fri, XX/XX/2019 XXXX XXXX   XXXX ( XXXX ) To : you ( Bcc ) + 3 more Details XXXX i called again and left message for you again today -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; MORTGAGEASSISTANCE XXXX Sent XXXX Thu, XX/XX/2019 XXXX XXXX Subject : Re : XXXX XXXX PLEASE ADDRESS WHO IS HANDLING THIS ACCOUNT??? / WHOS WHOEVER HANDLING HAS ADEQUATLEY REVIEWED ACCOUNT HAS IN DEPTH KNOWLEDGE AND EXPERTISE TO HANDLE. 
ALSO ADDRESS IN WRITING WRITTEN XXXX REQUESTS, CONCERNS IN WRITING AND REQUESTS FOR INFORMATION NOT INCLUDING BUT LIMITED COMPLAINTS AND SUCH WARRENS -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Wed, XX/XX/2019 XXXX XXXX Subject : XXXX XXXX HELLO This message is intended for XXXX XXXX. My name is XXXX XXXX and I am a Home Retention Specialist with Carrington Mortgage Services. Please call me at XXXX. I need to review the paperwork you submitted for your modification. I am here between the hours of XXXX to XXXX Pacific Standard Time. I would appreciate an opportunity to speak with as soon as possible. 

Thank you XXXX XXXX Loss Mitigation Associate Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Office Hours : XXXX XXXX to XXXX XXXX ( PST ) M F Direct Line : ( XXXX ) XXXX XXXX WE HAVE TRIED TO CALL AND LEFT MESSAGES 4 TIMES SINCE HER EMAIL NO RETURN CALL.THEY ARE TRYING TO MAKE BORROWER LOOK NON COMPLIANT AND HASTEN FORECLOSURE
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Experian informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly
Product: Money transfer, virtual currency, or money service

I started the process of two money transfer from XXXX for TransferWise.com on XX/XX/2019, transaction numbers # XXXX of U {$1200.00} that was canceled, what a waste of time dealing with TransferWise and, # XXXX of U {$1200.00}, they send me emails to confirm that received at same day and the money should be in my XXXX XXXX XXXX account on XX/XX/2019. Now they tell me that was made the deposit and the problem is with XXXX  XXXX XXXX. I know XXXX XXXX XXXX for at least 18 years and everything works on properly time. Until today, XX/XX/XXXX XXXX XXXX  no money was credited!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/year> I deposit my payroll check via mobile to my savings account to Wells Fargo, they stated that my funds would be available next business day which was the next day XX/XX/year>. I check my account prior to going to work I seen my funds in my savings account, the amount of my check was {$1100.00}. ( XXXX ) hours later I check my account again while I was at work and my funds were gone! Wells fargo stated that they put a hold on my funds until XX/XX/year>, Now, I find that quit strange being I've always got direct deposit from the same employer who again is also a commercial account holder with the same bank. So fast forward XX/XX/XXXX is here and I check my account and still there's nothing in there, so I called customer service and spoke to several different reps because they continue to transfer to so many different departments inquiring about my missing money! No one seems to know where my money is so they open a case to investigate what happen to my money. I was told it would take approximately XXXX days to resolved the issue, i stress I don't have XXXX days because I have bills, mainly my rent to pay ... they didn't seem to care! i also stated don't the bank suppose to issue a temp credit for the amount when its under investigations!!?? No one seem to know what i was talking about..so anyway 20 days later I get a letter stating they will not be giving me my money back because it shows it was deposit at another institution!! LIES!!!!!! I've given proof, my employer/payroll has provided proof to them that WELLS FARGO received the payment for my deposit and its THEM that has my money!!! They will not release my funds to me at all, they keep stating that my employer can put a stop payment on the check but they cant because WELLS FARGO ALREADY CASHED IT!!! They continue to give me the run around about MY MONEY, this has caused me financial hardship and they even gotten proof of that.Here we are XX/XX/year> and MY {$1100.00} is still floating in WELLS FARGO XXXX, I WANT MY MONEY! I've spoken to so many reps and even went to my local branch TWICE, the branch manager tried resolving it and they were extremely rude to him as well so he escalated my issue along with a complaint about how we both were rudely treated from Customer care Reps via telephone and now there's another case open up to see WHERE MY MONEY IS!!! I need URGENT help ASAP, I may just be getting a lawyer and sue because this is unfair to me especially when my self and my employer gave them proof that they have my money.
Product: Credit card

Dispute of unauthorized credit card charges : On or about XX/XX/2016 I noticed unusual activity with my Bank of AMerica credit card ending in XXXX. Therefore, I immediately contacted B. of America and reported approx {$1200.00} of unauthorized charges. I proved Bank of America with as much information as I had and answered every one of their questions, On XX/XX/2016 I received all follow-up letter ( see attached ) requesting " additional information '' without providing that additional information in writing. Since I have family members in law enforcement, one thing I know is at all times have records documented so they can not be misconstrued and always make sure both sides have access to these records. Bank of America seems to demand a taped verbal conversation whereas, they obtain the only copy. However, I have read the complaints all over the internet that Bank of America refuses to be transparent and manipulative. Therefore, i have requested all correspondence in writing to avoid confusion. 
Below is the email i forwarded to Bank of America using their own and securely touted messaging platform. 
I have maintained a flawless credit history, never ever missing a payment in over 40 years and can not take an chances of this issue being reported inaccurately, as I am in the process of purchasing a new home sometime in the next few months. 
Additionally, Bank of America attempts to force me to download Adobe in order to view certain documents. I refuse to download adobe as they have a horrible track record of being breached or having viruses attached to downloads. As I have been a victim in the past. 
" Hi, RE : closed account ending in XXXX In response to a letter dated XX/XX/2016, which I received today ( XX/XX/2016 ), from the " Fraud and Claims '' dept. The letter is asking for additional information regarding my fraud claim. I am requesting all correspondence with respect to my fraud claim be done in writing via email or USPS. This will insure a proper and accurate record, which I am sure Bank of America supports. Verbal communications can be misinterpreted and lacks the transparency of both sides maintaining proper records. My email address is on file or you can reach me through your SECURE messaging platform. I will be happy to answer as best i can any additional questions. 
XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( U.S. DEPARTMENT OF EDUCATION ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( U.S. DEPARTMENT OF EDUCATION ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( U.S. DEPARTMENT OF EDUCATION ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( U.S. DEPARTMENT OF EDUCATION ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

on XX/XX/2019 my mom sent me {$200.00} to my cash app which is " XXXX XXXX '', the phone that that my cash app was downloaded to is no longer in service and when i tried to log back into my account with my new phone it sent a confirmation number to my " old '' phone number which is NO longer in service, this caused me to create a new account using the same email address as my old account, my new account is " XXXX XXXX '', when i logged into my new account my bank account information was already saved, but i could not see the {$200.00} because it is SOMEHOW stuck in my old cash app account. I have contacted customer support countless times and i received a email on XX/XX/2019 stating that all i had to do was send them my old account info along with my new account info and they would merge my cash app accounts leading me to retrieve my funds of {$200.00}, and they have yet to do so, Im making a complaint because their options for customer support are poor. I do not feel like they are going to get me my money base on reviews ive seen, please help me resolve this issue, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is showing up on my credit reports. It is not my account it belongs to my wife. This account is showing a balance even though, with a scheduled payment due even after I filled for Bankruptcy and was discharged. I filled a dispute on XX/XX/2018. It has now been over 60 days and this company fails to properly correct my reports.
Product: Credit card or prepaid card

Capital One, I purchased a multi colored XXXX jacket about from an store located in XXXX XXXX, CA however when I got home I have notice the thread is coming off. A day later I drove back to the store which is about 100 miles away from my home and told the sales clerk I wanted to return the defective jacket. Unfortunately, the sales clerk I originally purchased it from never gave me the receipt but I have the tags if that helped. She refused to return the jacket and stated that there is nothing she could do. I offered to show her a copy of my credit card pending transaction but she still refused. I would like to return it but dont live close. I have called and sent numerous emails to this company but they are ignoring me or offering any sort of solution. I dont feel like its fair I spent money on a jacket thats defective. I contacted XXXX via XXXX corporate office and they advised to dispute the transaction. Im asking the company to send me a pre paid shipping label so that I can send the defective jacket back. Please issue a refund back to my original method of payment. Thank you, XXXX XXXX
Product: Checking or savings account

. My checks would hit and then all of a sudden all this money would be gone. Im like now wait a minute I havent spent anything my check just cleared. All the stuff I had pending from weeks ago would all stop pending all at once. Thats how they been getting people. Then its {$25.00} for every transaction that goes into overdraft. I use to call and go smooth off and a few days later Ill have a few hundreds back in my account. It was crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The need to remove XXXX XXXX from showing in my hard Inquiries It shows negatively on my credit report please remove I have no affiliation with this company. I haven't had any dealings with any card company besides my own bank since before 2015. Thank you so much for your help.
Product: Debt collection

This is a formal complaint against LVNV LLC located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX. and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check my credit card account on XX/XX/XXXX and noticed a charge from Experian XXXX XXXX XXXX XXXXXXXX of {$26.00} on XX/XX/XXXX, I later noticed this recurring monthly charge of {$26.00} has occurred since XXXX so three times without my knowledge, no emails, letters, calls from Experian confirming any of these charges. I called Experian and spoke to a customer rep XXXX who said it was because I requested my three credit reports which I thought was part of my free annual request on XX/XX/XXXX. Instead, they parlayed that into a monthly recurring 'premiere membership ' again which I did not consent to, did not receive any confirmation purchase email, and setup as a RECURRING MONTHLY PAYMENT! On XX/XX/XXXX I disputed all three charges with my XXXX card, but Experian dishonestly if not fraudulently signed me up for a recurring service, something I'd expect from more nefarious sales companies, but not one of the XXXX major credit reporting agencies, seems like a conflict of interest for them to be selling these services that it appears most people don't want and they don't explicitly explain what it is. It's egregious, dirty thing to do to consumers, and should be illegal.
Product: Debt collection

I have tried to reach this company ( National Credit Systems ) concerning a debt on my credit report. There is no address or phone number to reach this company. Please remove the amount of {$500.00} from my credit report. This debt was over seven years ago which is past the statute of limitations. The company has changed the dates to make it look as if the debt is current to collect on. Thank You
Product: Mortgage

I have contacted the mortgage servicer BSI 4 different times requesting correction, clarification and refund of late fees that were not accurate. I have been charged 3 times for payments that I know were not late beyond the per agreement date. The account has been paid off, it took BSI nearly a month to finalize the payoff and send my refund, I have not received a closing statement from them as I asked nor the refund of late fees.
Product: Credit reporting or other personal consumer reports

Credit reporting agency has failed to update personal information such as correct name and correct address on my credit file. 

Other names and addresses on file are not mine and I am not associated with the other addresses