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

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX/ATLS/FORTIVA is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX XXXX  is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Debt or credit management

Leasing through Tempoe, at XXXX. Did not disclose information on the lease and over charged.
Product: Credit card or prepaid card

On XX/XX/2022, I received an unsolicited Citi Custom Cash credit card from Citibank. That same day, I tried to call the Citibank fraud number to cancel the card and request it be removed from my credit report, but I was on hold for XXXX minutes before giving up. I will try again tomorrow, but in the meantime, wanted to report this to CFPB.
Product: Bank account or service

My funds are no longer secure at Wells Fargo. Advertisements have infiltrated between line items of my checking account online, a breach of ethics and privacy. I have tried from XXXX, 2016 to present, at the corporate level, to have them removed and get an answer as to why it was initiated XXXX XXXX # XXXX XXXX. They have been unable or unwilling to remove them. I have lost control of my account and so has Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 60 days ago I sent the credit reporting agencies a letter regarding some information on my consumer report that I never consented to be reported. I have been patient with my time but enough is enough. The FCRA stated that any disputes should be completed within 30days. I don't see where the law that is allow 45 or 60days to respond if so please show me in writing or else I expect a response to my complaint immediately!!! I as a natural person ( consumer ) who is protected under federal law demand these accounts to be removed from my consumer report. There is a clear violation that the law has been broken, I'm tired of my request being ignored so something needs to be done about this.
Product: Credit reporting or other personal consumer reports

recently review a copy of my credit report and noticed that incorrect accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit Account Name 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: Debt collection

I hope this finds you well, Over the past week, Citibank has repeatedly called me in an attempt to reach my wife ( XXXX ) and to collect on some current that she owes ; I am *Not* a co-signer on any of these debts. 

Not only have they continued to harass me while at work via my personal cell - they also identified that they were " Citibank '' which is also a violation of CFPA by giving out the institution where debts are currently owed.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX do not reflect the latest information on my mortgage account with Nationstar. All three reflect the last update as of XXXX XXXX.update mortgage account information.
Product: Credit card

I can not get my total Statement due on my QVC card..I have called XXXX  times I have been transferred XXXX  times nobody can tell me the total balance do on my Q VC account they only tell me that the amount do is {$15.00} XXXX XXXX only I want the total balance synchrony and QVC will not tell me the balance due so I could pay my card off And the total Balance DUE is not on their statements. This should be against the law. Please assist in getting my total balance due on the account so I can pay it off without interest!
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX Experian : Bankruptcy XXXX  XXXXdischarged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX XXXX : XXXX  XXXX bankruptcy discharged Case Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL XXXX  is reporting inaccurate payment history across CA 's, please Delete accounts per the Fair Credit Act.

There are 5 accounts with the same number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, XXXX  and Equifax. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  or XXXX XXXX XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.
Product: Mortgage

My husband and I currently have a mortgage with  Wells Fargo, NA. In   XXXX ,   XXXX   our home underwent a fire and was severally damaged. Our homeowner insurance paid out in  XXXX  of   XXXX  . We forwarded the payment to  Wells Fargo Property Loss  Department. During this time we were temporarily relocated to an apartment unit. We communicated with  Wells Fargo  throughout this process to give them updates on the restoration on the property and request for funds to repair our home.  Wells Fargo  released the funds in small amounts making it difficult to purchase materials in bulk and completion in a timely manner.   As we approached the  XXXX  month timeline of being out of our home and awaiting release of funds to complete our restoration process, we informed the property loss department that we were running out of Additional Living Expense funds and that the insurance company would no longer be paying our expenses. We urged them to send the remaining funds so that our home could be completed and we could move back into our home before the deadline we were given by the insurance company. We were basically told by one Representative that they were not releasing the money because we would spend it and not make repairs. I found this to be appalling since they had inspectors to come to our home to view the progression of repairs that we had made to our home.   To date, we are no longer in our apartment and have had to move out. We are currently renting an additional home and paying for this out of pocket. We are still paying our Mortgage along with utilities at our home, along with the same expenses at our temporary place. We are paying double bills due to  Wells Fargo  's delay in payment. This is not fair and has caused us unwarranted expenses. We have been devastated by the events that have occurred in our life with my husband almost losing his life due to the fire. It has been an emotional roller coaster,  one  that could have been avoided.     We are seeking your assistance in having this matter resolved. Thank you so much.
Product: Money transfer, virtual currency, or money service

The company to send complaint to : Crypto.com contact @ crypto.com Crypto.com is headquartered in XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. 

Starting in XX/XX/XXXX through XX/XX/XXXX, I was involved in a cryptocurrency trading scam. I met a person via XXXX dating site. I was asked to " invest '' using a fraudulent copy of Crypto.com XXXX  wallet. ( see below ) I wired money to Crypto.com XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$20000.00} within Crypto.com, money was converted to crypto and transferred to the fake websites ( XXXX XXXX XXXX. These websites are identical and appear to be owned by a XXXX company XXXX XXXX XXXX. Once theCrypto was loaded to these websites, I was instructed to make trades which appeared to be very profitable. I started with small amounts and even withdrew ~ {$10000.00} initially to ensure my money was safe. As the transactions got higher, the profits got higher until I finally decided to withdraw at least my investment plus the amount need to cover income taxes- it was that large withdrawal that was not completed, and my account was subsequently frozen. the only contact email I have with the person I was working with is an email address, XXXX details of the transactions between the website/exchanges are in the attached documents.
Product: Checking or savings account

On XXXX. I trued to send $ to my husbands chime account with the pay anyone feature. They said it was suspicious. Ive sent money to him in past never a problem before. So they sent me to fraud department. They asked all of my personal information. And when asked to provide state id. I dont have 1 at this time. So they signed me out of my account on my phone in chime application. I went to get state ID it will take 4-6 weeks to arrive. I even tried ordering A new card and activating that, but they still said I cant activate my new card that came to my address associated with my chime card even though I called them on the phone that was associated with my Chime account and answered all my personal information questions and the end I was hung up on 3 times. I feel this is unfair. Ive had this account since 2012 never have I provided my ID. I want my money! I did nothing wrong for them to hold my money.
Product: Consumer Loan

This complaint is in reference to Santander Consumer USA account # XXXX. I have sent legal documents to this company that releases me from any and all obligations to the allege account. I have sent several certified mail receipt USPS to this company. Until recently, I receive a document from this company to remove there name from my credit report. However, this account is still showing on my XXXX Credit report as a charge- off account. This company has not complied to any of the federal guidelines in reference to credit reporting. According to the fair credit reporting act section 609 ( A ) ( 1 ) ( A ), a company is required by federal law to verify- through physical verification - any and all accounts they report to the credit reporting agencies. Otherwise, anyone paying for credit reporting services can fax, mail, or email in fraudulent account information. On numerous occasion I presented documentation of this account not belonging to me. After several attempts, the company finally responded. I have enclose document receive with this complaint. I have been keeping a careful record of my communication with this company for legal purposes only. Considering Santander is acting in bad faith, I am prepare to file charges against this company for ; Defamation, Negligent enablement of Identity fraud, and violation of the fair debt collection practices act ( including but not limited to section XXXX ) if this matter persist.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmatio
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Violation Account Info XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX Employers XXXX XXXX XXXX
Product: Mortgage

The XXXX XXXX, XXXX and Mr. Cooper are violating The Virginia foreclosure laws by foreclosing on my house on XX/XX/XXXX. According to Virginia foreclosure laws a sale can not be held less than 8 days following the first advertisement or more than thirty days following the last advertisement. Also, the advertisement must be published in the local newspaper. My Deed of Trust specified to make advertisement a week for two weeks. In their last foreclosure sale scheduled onXX/XX/XXXX the Trustees only made one advertisement and that was on XX/XX/XXXX. That advertisement was supposed to run through XX/XX/XXXX. That is not what Virginia Foreclosure Laws said. It said once a week for two weeks. So there was no second advertisement made in XX/XX/XXXX. So, trustees is taking the only one and first advertisement made in XX/XX/XXXX as its second advertisement and that violates the Virginia Foreclosure Laws. The Laws did not say sale can not held more than thirty days following the First advertisement. It say more than thirty days following the second advertisement. So, technically the Trustees is violating the foreclosure laws in its quest to foreclose on house that came in quick succession following theXX/XX/XXXX foreclosure sale.
Product: Vehicle loan or lease

I financed my vehicle through US AUTO SALES of XXXX, XXXX. I paid off my loan in its entirety XX/XX/XXXX and was told I would receive my title in the mail. My title never came and every time I tried to call I would be put on hold for hours and then when I finally reached a live person they would say they've already received my " request '' and hang up. This back and forth continued through the pandemic until US AUTO SALES closed their doors abruptly early in XXXX for unlawful business practices. My car remains in their name according to my tag office. I can't sell or trade in my XXXX XXXX without my title. I paid over {$300.00} a month for XXXX  months and paid off my loan. The title is rightfully and legally mine. Now that they are closed I have no way to retrieve it. Please help me. I know there is an existing federal lawsuit against them for double charging customers so I would like to add to the case against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a car loan from XXXX XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My XXXX report has a different closing month of the account along with an extra month of payment reported. My XXXX  report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. Transunion reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of 2017. Most importantly I have obtained a full payment history from the XXXX website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.