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

In accordance with the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Web bank/fingerhut XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no, consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on XXXX, XXXX, and Experian. All have different Amounts, a past due amount on collection items and I have a payday loan that was deleted and now is back on my credit report. I filled a dispute on XX/XX/XXXX for. XXXX which is {$1100.00} XXXX for {$3300.00}. The XXXX account doesnt have the right address. XXXXXXXX XXXX has different amounts on all 3 credit bureaus. Its a closed account with a past due balance of {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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

I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please help
Product: Credit reporting or other personal consumer reports

I checked my credit report today and was disappointed about why these inaccurate accounts are still there. I don't have any knowledge regarding those and it has also been causing me tremendous stress. Please kindly thoroughly look at the documents that I've sent regarding those.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I checked my credit report and I think it is wrong. I was told I have the right to have an investigation performed. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights : XXXX XXXX XXXX for an amount of {$8300.00} XXXX XXXX XXXX for an amount of {$3500.00} XXXX XXXX XXXX for an amount of {$2200.00} XXXX XXXX XXXX for an amount of {$1200.00} On XX/XX/2023 I sent a request to provide a copy both front and back of the alleged original contract/ agreement/ promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct and complete, upon the commercial liability of a proper of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract/ agreement or promissory note. 

I requested they provide verification and documentation that there is a valid basis for the companies charge-off of the alleged debt. 

I requested they provide proof that the alleged debt has not already been satisfied by any means available including but not limited to a tax write-off or insurance claim. 

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 : also states a consumer reporting agency can not furnish an account without my written instructions.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete the item of information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the middle of a refinance. I have signed loan docs and gone through the recission period. At closing the new lender ran a new credit report and found that my ex husbands loan is now showing delinguent instead of as a foreclosure. It was showing properly in XXXX when I received my loan approval. The new lender has my divorce papers that show this property was awarded to him, my ex and we also provided a copy of the comissioners deed to confirm the foreclosure. This is where the problem begins. The loan was with Selene Finance and the loan # XXXX and the old property address was XXXX XXXX XXXX XXXX # XXXX XXXX hawaii XXXX. I have been calling this lender since last week Wednesday and they just give me the run around and nobody there can help me. I have asked to get to corporate and many supervisors all of whom cant or wont help me and the credit bureau will not fix the incorrect reporting without a letter from selene and they tell me only only someone in customer service can do this and that I have to email them. I have done this and they still say they have no email from me. I am now being asked for extension fees in order to keep my loan approval good until such time that they decide to help me. I am going to be saving over {$600.00} per month on my payments and I would like Selene to pay any additional cost that I will incure due to the miss reporting on my credit report from this company. My email is XXXX and would appreciate anything you can do to assist me.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Regrettably, despite our previous correspondence and the efforts made thus far, the problem persists. 

I urge you to take immediate action to rectify this situation and ensure that such delays do not occur in the future. Timely account opening is crucial for me to access the services and benefits associated with my account. 

Additionally, I request transparent communication regarding the steps being taken to prevent similar occurrences in the future. It is essential to address any underlying issues to prevent such delays from happening again. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureau to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my company charged my customer credit card for amount of {$29000.00} through Wells Fargo Merchant services ( my Company had used this merchant service more that 2 years, since XXXX As a normal Wells Fargo Bank should transfer my money to my Business checking account in 48 Hours. 
After that Transaction I had other customer the next business day and I charged his credit card for amount of XXXX and Wells Fargo should transfer my money to my Business checking account.

After 2 business day I haven't received my money and I called to Wells Fargo Bank to see why they don't transfer my money, they told me my merchant account is under Risk Department review and they will hold my money until the review complete.

After that Wells Fargo Merchant Services sent mr an email and ask for some verification documents ( Customer Name, Address, Email, invoice ). I have sent that all requested documents to them but haven't heard back from them. I called them and they told me they gon na hold that money ( total XXXX $ ) for the risk of Dispute. 
Now after 14 months from that Transactions they still hold my money and never give me a date when they will release that. I asked them if you have any dispute charge on my Merchant account for 3 years and their answer was NEGATIVE. ( NONE DISPUTE ON MY MERCHUNT ACCOUNT AT ALL ).

I have hired a Lawyer for follow uo my case, he had some conversations with them but still they don't give us any date for release my money. 
It is SCAM how they can hold my money if there is no risk for dilute ( 15 months gone from my transactions and if someone would dispute this transactions has done already, but as I said there is NO dispute at all )
Product: Money transfer, virtual currency, or money service

My issue started when my job lost my direct deposits information and sent me a check by mail. However, my main issue is with my bank, Wells Fargo. On XX/XX/XXXX, I recieved my paycheck for {$940.00}. I did a mobile deposit not soon after, and wells fargo gave {$400.00} up front and the rest was supposed to be deposited after the holiday on the XXXX. 

On the XXXX, I went negative - {$480.00} due to my company withholding the funds and wells fargo taking back the fronted amount given on the XXXX. In addition to two overdraft fees. Wells Fargo informed me that the rest of my amount should be available on the XX/XX/XXXX. 

Considering I would be waiting for a while to receive my income, I transfered {$390.00} from a separate savings account. This put my new negative balance at $ XXXX. 

Fortunately, I recently recieved a settlement check from my previous job at XXXX for {$1100.00}. On XX/XX/XXXX, I went to the bank to deposit the check and cover any remaining overdraft fees. I was told the check would be available the following day on the XX/XX/XXXX.

The teller at Wells Fargo informed me that I had a positive balance of {$310.00}. I proceeded to ask if any Wells Fargo staff, customer service line or banker, has managed my account and waived my overdraft fees in order for me to collect my previously deposited {$390.00}. She couldn't see any man-made adjustments, so I assumed that the balance was mine considering my previous deposits of {$390.00} and {$940.00}. 

After withdrawing {$300.00} from the original {$310.00}. I noticed that night I did not have {$12.00} dollars in my account, I became negative $ XXXX. 

Realizing, I had made a mistake I went to the bank, on XX/XX/XXXX, to deposit {$280.00} dollars. While at the bank, my check for {$1100.00} was not available. She proceeded to inform me that the check was on hold for collection issues and will be available on XX/XX/XXXX. 

I currently have {$2100.00} on hold for due to collection issues although the checks are from different banks and companies. 

I could really use help considering my next paycheck will be arriving XX/XX/XXXX. Thank you for any assistance.
Product: Checking or savings account

On XX/XX/2021 I was unable to access my XXXX account via the mobile app. I had used the app previously with no problems, but on that date it gave an error that my device did not meet security requirements. I called customer service and they suggested accessing the account through a browser. I tried several browsers on different computers and got the same error, but was finally able to log into online banking from an incognito window. The CSR said I would be unable to use XXXX ( my reason for logging in that day was to send {$1000.00} for a car downpayment ) from the browser, and it would only work from the mobile app. She said they would open a ticket and look into the issue and get back to me. I was never contacted about this issue again, but was able to borrow money from a family member to get the needed funds that day. Starting on XX/XX/2021, I was no longer able to access online banking through any method ( an error said my credentials were incorrect ). I called to have this resolved on XX/XX/2021. I was told I would no longer be able to access my account due to " business reasons '' and my account would be closed. I asked to have my funds transferred to another bank and was told they would not be able to access my funds, but sometime after my account closure, they will my me a check. At this time I can not even check my balance or transaction history, and have no way of verifying if they are actually accounting for my funds.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information in my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX and XXXX   / XXXX XXXX
Product: Debt collection

Debt collection company called my father and told him I needed to call them back for legal documents I needed to sign. 

I called them back and said they were attorneys hired to pursue a judgement against me for a debt that was from 2005. They said that I was going to be charged with fraud and malicious intent to defraud the credit card company and would be required to attend a 3 day court hearing if I did not make arrangements for payment or present a settlement offer. 

I was asked if I were the responsible party for the debt when they reviewed my name, phone number, address and drivers license number. I said that I was the person that they were referencing and the debt could be mine but I wasn't sure. 

I told them that if it were my debt I would not have neglected to address the debt. 

I was told if I didn't settle or pay the debt in the amount of {$1900.00} I would be taken to court, and my wages and bank account would be garnished for the full amount of {$6800.00}. 

I asked about the statue of limitations first and they said that it didn't apply to the situation I was in as Chase Bank is FDIC insured. 

I said I would settle the debt as I was fearful that I would have legal action taken. I asked the company to send me everything we discussed in writing and they said they would email me the information within 30 minutes and if I didn't respond by end of day the deal would be off and they would pursue the lawsuit. 

After we hung up I reached out to an attorney and they advised me to get more information before providing any payment as things did not sound legal. 

After 2 hours I still had not received an email so I called the company back and requested more information and notified them I haven't received the email. 

After looking at my credit report for the past few copies I had I could not locate anything about a Chase credit card and I did recall the credit card so I asked for verification of the debt. 

The woman on the phone, XXXX XXXX, told me that she had me recorded stating that it was my debt and I was going to pay it. I told her that I need more information in writing before I'm comfortable providing payment. I told her she had not told me previously that I was being recorded and that I was questioning the validity of the debt as I couldn't locate information on it. She told me I should have known I was being recorded. 

I asked her if I was being recorded now and she said no. I asked her to record me as I was stating important information about the matter at hand. She became angry, told me the deal was off the table and they would be sueing me. I simply asked for more information and verification of the debt in question. 

I can't find anything on the business, address or phone number she provided. 

XXXX XXXX is name of company that they gave me. Elite Processing is name given to my father. 

Phone number - XXXX Lawyer - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX A law office came up at that address. I called and they told me they get multiple calls regarding this company and appears to be a scam.
Product: Debt collection

I received a call and mail to my address that I owe the company - XXXX  the sum of {$490.00}, which is false. I called the debt collection agency that the claim is false and provided them the record of me paying off my last bill. I also called XXXX, to clarify this huge error and they promised to fix it. Only for me to see a negative report on my credit report as account is reported as delinquent. This is damaging to not just my report, but to my mental and physical well-being. 
This same insurance company left an unpaid amount on the rental I was provided when I had an accident that I had to pay off myself, despite several attempts to get them to make the payment ( over {$350.00} ). The manner they treated me, led me to not renew my policy with them, as they are not customer friendly.
Product: Debt collection

I am getting repeated threatening phone calls ( legal action calls ) for another person. 
I do n't answer the calls because the number is an " unknown or no caller I d available ''. 
They leave messages telling whoever they are calling that she or her attorney needs to contact them immediately. The same person does not always call. They leave a number XXXX and an extension #. Their name is XXXX  or something like that. 
They must be calling anyone with a similar last name and phishing for the person they are calling about. In any event, their practices are unethical and disgusting. 
Please stop this activity.