23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding the reporting of a charge-off on my credit report. The account was charged off, but the reported balance and other details vary across the three major credit bureaus ( XXXX, Equifax, and XXXX ). The inconsistencies between the credit bureaus may negatively affect my credit score and have caused me significant distress.

Under the Fair Credit Reporting Act ( FCRA ) Section 1682e ( b ), credit reporting agencies are required to ensure the information they report is accurate and consistent. Despite my attempts to resolve this matter directly with XXXX, they have failed to correct the discrepancies, and the incorrect information remains on my credit report. 

I am requesting that XXXX be required to investigate and correct or remove this inaccurate charge-off report. I believe this issue violates my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax as they said that an account that I allegedly had with XXXX  XXXX XXXX account number XXXX was been reported accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and requested of them there method of verification. They got that request on XX/XX/2021. The law states that the credit bureau should provide a copy of there method of verification within 15days of the request been made. If the company fails to abide by these guidelines then its a FCRA violation and the credit bureau should delete the disputed account from the credit profile immediately. Today is XX/XX/2021 and the credit bureau has not sent me there method of verification or deleted XXXX  XXXX XXXX from my credit profile. 
Under the Fair Credit Reporting Act if an item is unverifiable or if the credit bureau is unable to provide the method of verification then the item should be deleted from the credit report immediately as there is no way to prove if the credit bureau did any investigation in the matter. This credit bureau has failed to abide by the law and obey the dictates of the Fair Credit reporting Act. An investigation is more than say it is accurate or just running it through the E-Oscar system. The request for the method of verification was sent by certified mail and I got a receipt from the postal service saying that Equifax got my request.
Product: Debt collection

I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my XXXX  and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block Inc. ) due to the inadequacy customer service. An unfair practices. Which violate. The customer financial protection act. ( CFPA ) especially Cash App failed timely and effective measures to prevent fraud on platform.
Product: Checking or savings account

The company in question is Wealthfront.

When attempting to fund a Wealthfront account, you are forced to use their 'instant linking ' service provided by XXXX XXXX who offer similar services to XXXX. These services take your username and password for third party banking institutions and then impersonate you and scrape the bank in question 's public websites and account management portals. Wealthfront does not allow for micro deposit verification, despite their outdated documentation on their website clearly pointing to the fact that they did at some point historically.

The core issue I have here is that by forcing the use of these services, Wealthfront is forcing all of it's users to actively break the ToS of their other banking institutions by handing over their username and password to third parties. In the event of any breaches of XXXX 's stored plaintext or reversible encryption passwords, this forces all customers using such services to bear the full risk of losing all of their assets as they are forfeiting the protections provided by the third party bank 's account security mechanisms. In fact, the ToS of XXXX disclaims all liability arising from the fact that they are storing all of your account credentials. 

It is also of note that these third parties log in, scrape, anonymize and sell all of your third party bank 's transaction information, so the financial incentive for this behavior is clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, someone tried or did opened an account with On-Site Manager in my name. The reporting agency was Equifax and XXXX XXXX ID is XXXX. 
I was transferred multiple times at the company without anyone able to assist me.
Product: Consumer Loan

BMW Financial Services reported a late payment to the credit bureau after they received my payment on time. They received my payment on XX/XX/2016, and falsely did not process it until next day. As a result, a late payment was reported to the credit bureau.
Product: Credit card or prepaid card

My wife and I file for divorce over a year ago I Immediately had her taken off as authorized user then XX/XX/XXXX she was expedited a card by USAA bank received on the XX/XX/2019 Her tracking them before her card XXXX I was told she did it by activated through voice they will not give me nothing in writing She racked up {$3700.00} declined was {$340.00} they sent me out another card I was scared to get it closed The account I was Afraid USAA would no longer talk to me I held on to my card I had the sticker on it and left the sticker on it and did not activate it Somehow my card and it up activated with {$2800.00} put on it then I got a check in the mail from USAA for {$2800.00} then they want me to send the check back they told me it was for damages in what I went through They stated that it got activated and usual but will not tell me who activated it or nothing they will give me nothing in writing they're trying to make me pay for the charges they will not help me in any way and my soon to ex wife is getting away with all of this one time she put charges on my XXXX my sons with my account sit me attacks admitting she had done it they did remove that I don't think it's fair she gets away with it
Product: Mortgage

On XX/XX/2020, based on statements made by CA Gov. XXXX XXXX, I contacted US Bank regarding my mortgage. I was told that I would be given a 3 month forbearance and that during that time I would not accrue fees or penalties and I would not be reported to the credit reporting agencies. On XX/XX/2020, I received a letter from US Bank that contradicts what I was told on the phone and what is stated on the XXXX XXXX website. I called US Bank and was told that this is not their problem, they are going by what XXXX XXXX has told them and I should call XXXX XXXX. I did. XXXX XXXX said they did not know why US Bank was not complying. 

Quite frankly this smells bad. The letter says that if I don't contact them to opt-out I will automatically be enrolled in the forbearance program. How many people are actually going to read the whole letter and discover the " fine print ''? Is US Bank trying to set up its customers for a foreclosure?
Product: Debt collection

While working with a lender to refinance my mortgage they found out that American Express had won a judgement against me in the amount of {$2000.00}. Back in XXXX of XXXX their attorney said that American Express was going to dismiss the lawsuit for which I received a letter. On XX/XX/XXXX I received a letter from American Express telling me that my account was transferred to XXXX XXXX XXXX XXXX. I wrote letters to American Express on XX/XX/XXXX requesting clarification and asking them to remove the judgement. In return I received a letter and later on several phone calls from XXXX XXXX XXXX XXXX demanding payment. I have written several letters to both companies and so far I have not received an answer. How can a creditor collect on a 7 year old debt and a judgement at the same time? Is that legal?
Product: Debt collection

My identity was stolen to set up a fraudulent account with XXXX using my social security number. 

I was informed on XX/XX/XXXX that an account in my name was in collections wit XXXX XXXX XXXX based in XXXX XXXX. They said I had a XXXX account ( account XXXX ) that had a balance of XXXX. This account has my name misspelled as " XXXX XXXX ''. The correct spelling of my last name is " XXXX ''. 

I know this is fraud for the following reasons. 

XXXX, when my identity was stolen on XX/XX/XXXX, the criminals tried to open a utility account and they used the EXACT SAME MISPELLING of my name that is in the Credence Resource XXXX report. Therefore I am certain that these are criminals who misspelled my name on XX/XX/XXXX when trying to set up a fraudulent account. ( This information is in the Clarity report I received in XX/XX/XXXX ). Both reports misspell my name in the exact same way ( " XXXX '' ). 

XXXX I have never any business with XXXX. I only have ever had XXXX cell phone account in my name and that is with XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Transunion LLC concluded its investigation and found the inquiry which was made on XX/XX/year> does not belong to me. Investigation results status show - DELETED. However, Transunion LLC deleted the wrong account - XXXX XXXX XXXX XXXX  XXXX. This is a correct account. The one that should be deleted is inquiry made by XXXX XXXX XXXX XXXX XXXX Please correct the mistake as soon as possible.
Product: Credit card or prepaid card

On XX/XX/2022 I received a letter in the mail stating my account ending in XXXX was being closed because of activity on another account. The problem is I still have a credit limit available on this particular card and I am experiencing identity theft. The very next day after the letter a website called XXXX asked me to apply for the credit card again because I am still having something called " good credit ''. I than applied for the card and was denied after the offer.
Product: Money transfer, virtual currency, or money service

After reaching out to all the banking institution that has affiliation with the day in question there has been no re-possibility on the part of the institution involved for the {$1000.00}, I attempted to transfer on XX/XX/XXXX to number XXXX XXXX XXXX through XXXX XXXX . I have been given the information from Bank of America that they acknowledged that the money of {$1000.00} I attempted to deposit into the account of my husband. They disclosed that the phone number linked to my husbands account ( Bank of America ) for no reason was linked to another account at XXXX XXXX, this mean my transfer was redirected to XXXX XXXX  where they acknowledge the money was deposited but yet they can not give me any information about the transaction. We never changed any Banking information that would cause for the money to be directed to XXXX XXXX, we don't have a XXXX XXXX  account and never had any affiliation with XXXX XXXX. Bank of America refuse to give any information regarding what account or transaction number that could assist recovering the money that was directed to a account that we have no knowledge about, we ask that they investigate the day in question or anything that can help us trace the money to the account that we never authorized. I spoke to XXXX XXXX  and they were willing to help with the necessary information but the attempt was unsuccessful due to not having enough information due to the fact that we do not have any account with them. 
I have reached out to XXXX for an investigation and they only play a blame game with Bank of America. This is highly unthinkable that this money can not be traced to the account in question. This goes to show either somebody is sleeping on their job or there is a clear conspiracy to rob me of a XXXX dollars at this crucial moment I respectfully request you to use your good officer to cause a thorough investigation into this murky banking practice that has the potential of bring the banking institution 's good name into this disrepute. Your prompt dedicated and meticulous action on this matter is high anticipated. 
Best regards!
Product: Credit reporting or other personal consumer reports

Early Warning Services , LLC has refused my dozens of requests for a copy of my free report, which is in violation of the law. They have ignored my requests to fix all of the wrong information on their report, which is in violation of the law. XXXX XXXX repeatedly has denied me for a checking account because of the false information from XXXX, a third violation of the law. XXXX  has told XXXX XXXX I have accounts in " high-risk '' status. This is false. They also told them I have " no accounts in open and present status. '' Totally false, I have numerous accounts that are open and in excellent standing. Fix this or I'll see you in court for a massive lawsuit! : )
Product: Credit reporting or other personal consumer reports

I am disputing information on my credit report and Trans Union is using Stall tactics which is a refusal to re investigate information on my consumer report that I did not give them permission to Furnish. They sent me a computer generated letter denying the re investigation on my report. By law I have the right to either hire a XXXX party or I myself can dispute any innaccurate information on my report. They were sent the proper verification, ID, Social Security, and proof of residency and still refused to reinvestigate. Attached is the proof of refusing to abide by the law. please stop with the stall tactics. You are affecting my livelihood and my job is on the line. Your refusal to re investigate and be fair and partial is shameful and unacceptable and you should be ashamed of how you break laws daily. Trans Union has been sued for frivolous reporting in the past and continue to ruin the lives of people. THis is notice to arbitrate and you have 15 days to remove this inaccurate accounts off my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Noncompliance Violation of 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute incorrect accounts on my credit reports, those are other persons accounts that have been added to my report and have affected my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681o, any party that fails to comply with FCRA requirements due to negligence is liable for damages caused by such noncompliance. 

I have previously attempted to resolve this matter on with XXXX, Transunion, yet the issue remains unresolved. Specifically, XXXX and Transunion has been negligente.g., failing to remove inaccurate information, not conducting a proper investigation, or not providing required disclosures when my name was added to unrelated accounts. This failure to act in accordance with federal law has negatively impacted me, including not be able to acquire business funding for growth of my business. 

As per my rights under the FCRA, I formally demand : Immediate correction of the inaccurate or disputed information.

A detailed explanation of the actions taken in response to this dispute.

Compensation for any damages incurred due to this noncompliance, as provided under 15 U.S. Code 1681o. 
If this issue is not resolved within the legally required time frame, I will be forced to escalate this matter by filing a complaint with the Federal Trade Commission ( FTC ), and possibly pursuing legal action. 

Please consider this letter as my final request for compliance. I expect a written response within 30 days, as required by law. 

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

I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the AMEX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TD Auto Finance for their failure to issue Form 1099-C ( Cancellation of Debt ) for a charged-off debt and for their inaccurate reporting of this debt to the credit bureaus. 

I have an account with TD Auto Finance, with the account numbers XXXX. According to the provisions of 26 U.S. Code 61 ( a ) ( 12 ) of the Internal Revenue Code, any canceled debt of {$600.00} or more is considered taxable income and must be reported by the creditor on Form 1099-C. To date, TD Auto Finance has not provided me with the required Form 1099-C for the charged-off debt on my account. 

This form is critical for my tax reporting, as I am required by the IRS to report canceled debt as income. Failure to provide the 1099-C form not only complicates my tax filing but may also constitute non-compliance with federal regulations.

Additionally, I am concerned about the accuracy of TD Auto Finance 's reporting of this debt to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from reporting false or misleading information to the credit bureaus, including improperly reporting a canceled debt as income. Specifically, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires that any information reported to the credit bureaus be accurate, including ensuring that canceled debts are reported properly to the IRS, not to the credit bureaus as income.

I request that the CFPB investigate TD Auto Finances failure to issue the required Form 1099-C and its inaccurate credit reporting practices. I would appreciate the CFPBs assistance in ensuring that TD Auto Finance complies with its obligations under the tax code and credit reporting laws.

I would greatly appreciate it if the CFPB could look into this matter and assist me in resolving the issues with TD Auto Finance.
Product: Mortgage

Received a call from a XXXX XXXX says I owe XXXX $ escrow says foreclosure will occur if not paid called pnc bank who said no nothing about this owe nothing fraudulent caller
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$35.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Vehicle loan or lease

I called on XX/XX/XXXX at approximately XXXX XXXX. The call was placed through my insurance agent at State Farm and she connected me to State Farm Bank. State Farm Bank informed me that the call was being recorded. 
I informed the CSR that I had not been receiving paper statement and she said they don't send paper statements. I told her that is what I was calling about as I wanted to receive paper statements. She said I had to log into state farm online to receive my statement. 
I again told her I would like to receive my statement via mail and she said " we don't do that. '' She said she didn't know any loan provider who would you with a paper statement. I told her that XXXX XXXX used to provide me with one and again asked for a paper statement and she said they would not do that.