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

I am sending you my dispute for the hundredth time. CRA is obligated by the FCRA to report accurate accounting. I have advised you on several instances with verifiable proof and supporting documentation that you are reporting derogatory items on my consumer report that has since been removed from your companion CRAs because your reporting should match across all 3 platforms. You have 4 days according to LAW to remove such items. If you are not the assigned agent for this account, please forward to the appropriate agent assigned to Satisfy pursuant to the signed Security Exchange Ace of XXXX under 17 CFR 424 that you will not commit language fraud or do solicitations. and the rules outline in the Trust Indenture Act of XXXX. Also, please forward to me a complete copy of my Credit File. The instruction for this security includes securities fraud and violation of my right to privacy. Although securities fraud takes on many forms. In fact, unbeknownst to me, you are and have been making money from my information and likeness without my consent. Privacy violation pursuant to Privacy Act of XXXX ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; The instructions does not include wiping out my credit history completely as I am in need of my credit report and credit file. XXXX has engaged in unfair and deceptive practices pursuant to 16 CFR 433.2-3 Your agency Violated my rights to privacy. The laws you are violating is clearly stated here. The civil liability law under which I will sue is identified here. Moreover, this is false reporting bcs this item was not furnished to you by the courts, or do you list the actual furnisher which violates the FCRA 15 Ucs 1681 but rather you purchased this negative information for profit. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You need my written consent to add anything to my consumer report and I did not give this authorization therefore you are in violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Product: Checking or savings account

I'm the executor for my sister who passed on XX/XX/XXXX. I have personally handed the death certificate, copy of the will, Power of Attorney ( when she was still alive ) and all other Wells Fargo forms they requested by them. Each time I gave them what they requested they would hand me another form to complete. Did not give me all the forms at once. This happened several times during the month of XXXX. It started to get worse when I had my last conversation with XXXX XXXX on XXXX / XXXX XXXX. I had made XXXX trips to the W F office, dropping of documents, prior to her death. When I was on the phone with him telling him if my sisters passing, and asking for some information, he chuckled and said that he could not deal with me anymore only the Beneficiaries. He said paperwork that I submitted to this point was no good because of her passing.. I went off on him asking why he thought this was funny? Since then I have been trying to guide the Beneficiaries thru this process and have gotten no where to this day XX/XX/XXXX. Their office is about XXXX miles away from me. Anything that they gave me to fill out or needed I personally drove there and handed it to them. There are XXXX Beneficiaries and they use the U S mail as one is out of state and the other XXXX are in state. I also spoke to a XXXX XXXX, who is a branch Mgr there, and got no where. In short I was told they never received a death certificate, which I personally handed to them. Gave them a copy, which they said was ok, and last week was told it was no good. They said that they did not receive proper paperwork from XXXX of the Beneficiaries when both were mailed at the same time. Paperwork had to be redone and sent. Was told nothing could be done until all paperwork was completed together. Once that was done XXXX stated that she forgot another form that needed completion and that would be sent out but not until she came back as she was out of the office for period of time. XXXX stated also that she just got the " lost '' form from the beneficiary. This is going to be 5 months since my sisters passing and we are no where. This branch is demonstrating that they are unorganized and unprofessiinal. My feeling this is being done deliberately because of my last conversation with XXXX XXXX. I can't see any firm being run like this and be successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in the late XXXX 's early XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX, I attempted to transfer XXXX XXXX  token from my XXXX XXXX  to Binance.US wallet. I mistakenly entered the wrong number in the memo field ( the wallet address was correct ) and as a result the funds were never delivered to my Binance.US wallet. After doing a quick XXXX search, I learned that this is a common, fixable problem and that for a fee ( XXXX typical transfer fee ) Binance.US can/will recover the funds. With that information, I submitted a ticket through Binance 's website. Given that Binance has multiple communication channels for service issues, I also shared that submitted ticket via their XXXX XXXX account. The next day, I heard from a Binance customer service rep in email requesting that I send the recovery fee so they could start the recovery process. They also replied on XXXX. Turns out the email was from a scammer and I lost those funds. Resubmitted a ticket with new information and heard back from Binance who confirmed that I had been scammed and that they could not help me recover the lost recovery fee I had sent over to the scammers. That said, they reassured me that they would recover my original lost funds but it was going to take some time. There was a backlog so they couldn't commit to a timeframe for the funds to appear. Weeks later, I have received no funds BUT they did send me a survey asking me if customer service had successfully solved my problem and if so, was I satisfied. Sensing that this might go on unresolved, I searched again to see what others were saying about this process and many offered that Binance.US is known for scamming their customers and typically doesn't resolve the issue until formal complaints were submitted. That's why I am submitting a complaint today. I hope this leads to a resolution. I've got the transaction details, email exchanges and XXXX posts from my interactions with Binance.US. Finally, I understand and accept that I will need to pay the recovery fee but the money lost far exceeds that XXXX fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023 I tried TWICE to get my free online credit reports at annualcreditreport.com and all three credit reporting companies, XXXX, transunion, and XXXX  claimed an error or problem and denied giving me my report. All the information that I carefully entered was entirely correct and this used to work before with the same personal information, so the problem must be on their end. It is not acceptable to have to send snail mail or call each credit reporting agency since that is what annualcreditreport.com is for. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. 

Account name : XXXX  Account # : XXXX Company : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX  Account # : XXXX**** In accordance with the Fair Credit Reporting act XXXX Account # XXXX***, has violated my rights. 

Account name : XXXX XXXX  Account # : XXXX Company : XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account XXXX Company : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX Account number : XXXX Company : XXXX XXXX & XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to ask questions and they did ask if I wanted to open an account, I advised to them no. XXXX XXXX XXXX  they called me and asked if I was in the market to purchase a new home, they did ask me a series of questions, not realizing they were doing a hard inquiry not only once it is showing up three times on my report. The Hard inquiries. With XXXX, I am not sure of what this inquiry is for. As for the XXXX XXXX XXXX, I do have an account with XXXX XXXX, but it is for my checking and savings account, I am not sure what the inquiry was for. XXXX XXXX I have no clue. 
All I am wanting is to please have these Hard Inquiries deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report as they were opened or made without my authorization : Accounts to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be blocked : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to capitol I was unable to get though due to high call volume. I tried to contact capital one though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since capital one refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by capital one 's own company. They still refused any assistance on resolving the error and sent a letter saying they will not remove the error late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just trying to fix my credit as a tax paying working American. I have rights under 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed on XXXX XXXX and Experion be removed. I have the right to Privacy and these XXXX companies have tarnished my hood standing.
Product: Credit card or prepaid card

On XX/XX/2019 my house closed. One of the provisions was to pay off certain notes with various lending institutions. One was a credit card at U. S. Bank XXXX. Unfortunately the title company gave U.S. Bank information on a loan rather than the credit card as directed by a Court Order ( XXXX County NO XXXX, XXXX ) thus creating an error. 
U. S. Bank has been requested numerous times to reverse their action and pay off the credit card with the loan amount and reinstitute the loan, however they refuse! It has been almost 4  months ; their actions have blocked me from obtaining a place to live. Created a negative impact on my treating XXXX XXXX by not having steady place to live, create a routine so I am able to neither cook a special diet nor maintain a healthy living environment. They instead of paying it off per court order have sent it to collection and adversely affected my credit. 
I had planned to move my Tax office to my new home however the office stuff gathers dust in a storage unit and I try to maintain contact thru the internet. I have no office! 
As a XXXX Veteran with XXXX  XXXX wanting to spend what is left of his life in peace and tranquility I have ended up living out of the back of my van, motels and an apartment while my personal & business items are in three storage lockers. 
I have no king size bed but instead a recliner. 
All this because U.S. Bank refuses to correct an accounting error and just ignores it hoping as a XXXX Veteran with XXXX   XXXX  just dies and goes away.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX ) Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and you neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account Number starting in XXXX
Product: Debt collection

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

I am requesting that LVNY Funding LLC provide me with the Purchase Agreement, bill of sale, and why they entitled to collect on this debt. I do not owe said amount, I did not enter into a contract with XXXX. Please remove the negative reporting from my credit report. 

( B ) Reporting information after notice and confirmation of errors LVNV Funding LLC is in violation of 15 USC Section 1681 S2. " A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered incorrect personal information on my credit report including an outdated address and multiple incorrect variations of my name. I filed disputes with XXXX, Equifax and XXXX but have not received a satisfactory resolution.
Product: Checking or savings account

So I'm still waiting for the {$200.00} from XXXX and also that first Hawaiian bank said that they're still working on that issue and now just the other day I found out some unwanted transactions in my bank account!!!! I didn't recognize these charges from a XXXX XXXX or ever used my debit card to buy services or anything for that matter. The charges so far are now {$21.00} and now I told my bank but I wanted these charges not posted!!! Also, waiting for the {$200.00} for that unwanted post
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$670.00} Charged off XXXX XXXX XXXX Date XXXX Balance Owed : {$2700.00} Charged off XXXXXXXX XXXX Date XXXX Balance Owed : {$3400.00} Charged off XXXX XXXX Date OpenedXXXX Balance Owed : {$10000.00} XXXX off XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened:8/23/2019 Balance Owed : {$4500.00} Collection
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$20000.00}, {$5600.00}, XXXX, {$0.00}, {$10000.00}, {$7700.00}, {$0.00}, {$4800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$4100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$20000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$5600.00} -This is not my account. 









4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- PERSONAL LOANS 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$7700.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- XXXX ACCOUNT 10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB, FTC, Police Report. 




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

I notified the company that the information in the report the provided to a prospective landlord was inaccurate and they sent me a link to this web site
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX