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

All of the disputes that were disputed on XX/XX/XXXX still remain. The credit bureau agencies have 30 days to respond and theyre 5 days over. Please correct the items that were disputed on XX/XX/XXXX and remove. thanks XXXX XXXX federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i submitted all identity theft information more than once. My next step is to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I submitted a complaint yesterday and have found out that they sent reports to all of the creditors, saying what I do not know. I have been dealing with XXXX for the last month and all of the conversations were recorded by XXXX of course with no results. These people are going to cost me over 25 thousand dollars in interest over 6 years because of having to pay for 28 percent interest. They are holding my life hostage and I want compensated for the stress and the interest on the loan. I have talked to a pro-bono case against XXXX for the pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that XXXX XXXX americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. Thank You.
Product: Credit reporting or other personal consumer reports

This is my 9th 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. 
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
Product: Checking or savings account

On XX/XX/XXXX, Wells Fargo alerted me via phone to possible fraudulent activity on my checking account. I immediately went to log in to my onlie account via the Wells Fargo App and found that I wasn't able to due to an incorrect password. After resetting my password and logging into my account I found that my account balance was incorrect. XXXX dollars had been transferred to my account and then taken out my via a non-Wells Fargo ATM in XXXX, North Carolina. Eight ATM transactions were made for a total of {$3900.00}. That same day I called Wells Fargo and reported the transactions. They then informed me that my online account had been hacked and that the money was a cash advance from my credit card account to my checking account. In speaking to Wells Fargo ATM/Debit claims department I informed that these ATM withdrawals could not possibly have been made by myself. I live in XXXX, GA and have not left the state in over 30 days. I have never given my pin number to anyone and that my debit card never left my possession. I received a letter from the Claims Assistance Center on XX/XX/XXXX stating that because the transactions were made using my card and my pin number that they were made by me or by someone with my permission. This is not the case. I was told there was no way to appeal the decision and that the only option I had was to request the documents used in the investigation. Which I have done. I believe that further action should have been taken by Wells Fargo. I can prove that I was not in the state of North Carolina at the times that the ATM transactions took place and I don't believe they can prove that I authorized someone to make these transactions. I have been with Wells Fargo for 7 years and if they had reviewed my bank transactions that they would find I don't use non-Wells Fargo ATM 's for large withdrawals and that I have never made 8 ATM transactions in one day before. I also have never made a cash advance on my credit card. I believe I was the victim of fraud and card cloning. I was treated unfairly by Wells Fargo when they didn't take into account my account history when they made this decision. They are now seeking payment for the cash advance and will not refund me the money taken from my account so it can be transferred back to the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 an account without my written instructions.

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused serve XXXX upon me and I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawful COMPLIANT REPORTING STANDARDS such as the METRO 2 XXXX Points of Compliance and other potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( XXXX ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiable METRO 2 FORMAT compliance of reporting standard ( XXXX ). 
Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. 
I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( XXXX ). For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. 
I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!
Product: Debt collection

On XX/XX/year> @ XXXX XXXX  EST I received an SMS from a company named XXXX XXXX XXXX XXXX a collection company as to an alleged debt, supposedly related to another creditor named XXXX. I immediately opt out with STOP to cease any further contact from this company. I then begin receiving emails from this same company, XXXX XXXX XXXX as to attempts to collect again, for an alleged debt for XXXX on XX/XX/year> @ XXXX XXXX. A cease and desist demand letter was sent certified mail on XX/XX/year> and delivery confirmation was confirmed on XX/XX/year> @ XXXX XXXX  EST. In this cease and desist demand letter, I specifically noted IF You Are Any Aother Agents Of Your Company Attempts To Contact Me Further Regarding This Alleged Debt, a formal complaint will filed with the Federal Trade Commission and the Federal Credit Reporting Act, pursuant to 15 USC, 169g Sec. 809 ( b ) of the FDCPA. Now, on XX/XX/year> @ XXXX XXXX, EST, I started receiving SMS messages from now, TrueAccord Corp another collection agency, contacting me for this same alleged debt from this company XXXX. I immediately responded with STOP to cease any further contact to my cellphone from this company, TrueAccord Soon after, Ive been receiving emails from this new collection company, TrueAccord on three separate occasions, XX/XX/year> @ XXXX XXXX, then again on XX/XX/year> @ XXXX XXXX  EST then finally on XX/XX/year> @ XXXX XXXX EST. Due to this ongoing and harassing communication tactics, I sent a cease and desist letter, along with request additional information, sent certified mail on XX/XX/year> and is, at this time, pending delivery today and will be confirmed delivery by USPS ( see attached delivery schedule. 

XXXX filing this complaint as to a more formal complaint to this company, TrueAccord, an apparent agent of XXXX XXXX XXXX to immediately cease and desist this illegal, harassing and intimidating tactics of continuing to contact me after being legally notified and so noted and documented. Using this government agency to also be a record of such demands to cease and desist will be used as additional discovery evidence and documentation that XXXX XXXX XXXX as well as another agent, TrueAccord Inc that they have been put on notice both in certified mail and with this government agency to cease and dissent contract with me as to this alleged debt they seem to be attempting to collect for an alleged creditor, XXXX. Any further communication by either of this two entity companys, collections to me will be a violation of my rights Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ). Further complaints will also be filed with the NJ state attorney generals offices as well as the Federal Trade Commission. I will also file in XXXX XXXX  XXXX XXXX, small claims division for relief and and summary judgment for court cost, filing fees and damages as seen appropriate by the court for violation of my consumer rights pursuant to the above mentioned statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the incorrect information with PXXXX XXXX XXXX where all 2 Bureaus Experian and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all 2 bureaus Experian, and XXXX as well as XXXX XXXX XXXX Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are reporting an account- XXXX XXXX- on my credit file, but this account and balance do not belong to me. XXXX XXXX and I have sent numerous letters asking for the removal of this account and its deletion from the credit file, yet these credit reporting agencies are still reporting this account after months and months of requests for removal. I have attached the FTC report and the letter from XXXX for removal.
Product: Mortgage

I have submitted a complaint previously to the Broker ( XXXX XXXX XXXX XXXX ) as I was told by the Lender ( Capital Mortgage Services ) they were providing incorrect information to me. The complaint number is XXXX. However, after receiving a response from XXXX XXXX XXXX XXXX it was stated that the loan was closed incorrectly and by Capital Mortgage Company. We were originally told that we were going to making " interest only payments '' for the construction period of 12 months from the start of construction. However, that was incorrect. Therefore XXXX XXXX XXXX  XXXX stated they included a reserve account and that would provided monthly payments to our mortgage during the construction period. I've attached the documents that was SIGNED at the closing of our mortgage that states we were supposed to have a reserve account. I have reached out numerous times to Capital Mortgage Company and was told they would provide information and be in touch. This has now gone on for a month and NO ONE has responded or came up with a plan to make this right. We are currently having to make fully amortized payments every month while paying rent and building our home. We also have not received any money for the construction as of today. We closed our loan in XX/XX/2018. So we are also paying on money we don't have! We were told by both our lender and broker that upon closing we would be able to take our first draw. That was not true at all and have no money to provide to our contractor as  of today. I am demanding that something be done to provide monthly payments to our loan each month so we can afford to pay rent and build our home. I also want to be able to make draws on a timely manner so we can fund our contractor up front. No contractor would start the building process without any funds up front. The company that is in charge of processing our draws would like our contractor to pay for all cost upfront then be reimbursed. All of this from the closing of our loan to the draw process seems very unreasonable and I can't imagine this is how things are supposed to be processed. Please let me know ASAP!!
Product: Prepaid card

Received {$25.00} gift card. Tried to check balance on XXXX by entering card number and XXXX digit code, but website said please try again. I tried at least 4 times and Im sure the numbers Im entering are correct. Then I tried to call the XXXX number on the back and it said the account can not be found. The card expires XX/XX/year> so thats not the issue either. I would like US Bank National Association to issue a new, functional card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have a police report on file stating the XXXX account on my credit report was opened fraudulently. This account had been previously deleted already but is now reporting again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$950.00} claims I owe. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

XX/XX/2019 Chase denied credit based on a number of accounts opened in a 2 year period reference # XXXX and not my credit worthiness. The reason the other accounts were opened is due to companies competing with lower rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are allowing hard inquiries and hard hits affect my credit score whereas it was at a fair credit score and now at its lowest ever. Before the end of XXXX XXXX XX/XX/2023, my credit score was at XXXX with XXXX, Equifax and slightly low in XXXX XXXX XXXX. Hard inquiries from unknown sources started to hit and attack my credit score and now it's as low as XXXX. I cancelled my credit repair online subscriptions because the money that I was shelling out didn't make any difference. I went through the process of contacting by writing a letter and disputing accounts that were saying inaccurate information. After spending over {$50.00} in both credit monitoring and credit repair companies online that guarantees that results will be reflected after thirty days, now my credit score is as low as it have ever been. I see dealerships that I don't recognize and other companies that have used my social security to affect my credit score and drop it down more than XXXX pts. I even took an unsecured credit card to boost it but while seeking solutions to help increase it is decreasing what little effort that I am trying to do. So what's the use of acting in good faith and follow the steps of improving ones ' credit score but these type of unexplained actions are occurring impacting your credit by more than XXXX points over night. How is that done?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 4 complaints against Equifax asking them to provide me with the additional information they went on record on XXXX the XXXX and claimed they had that validated the debt between me and XXXX XXXX XXXX. The attached document ( Equifax XXXX ) is what they keep mailing to me in response to my complaints, There is nothing on that document that is different from the one I submitted in my complaints ( XXXX, XXXX, XXXX, XXXX ) that Equifax said they had the additional information on. Equifax keeps sending me the same identical information that they attached to my dispute resolution on XXXX the XXXX. ( See Equifax dispute 3 ). I want to see this additional information they claim to have. The information they keep mailing to me is not additional information from the original creditor that validated this debt. This is the same exact information that Equifax supplied me on XXXX the XXXX. This debt is not a valid debt and Equifax is lying when they say they have additional information that validates the debt. The SC Attorney General office Consumer Protection division has already opened a fraud investigation against XXXX XXXX XXXX for making up bogus s debts and supply them to the credit bureaus to scam people into paying these debts. I have a legal right to see this addition ( NOT THE SAME BUT ADDITIONAL ) information Equifax claims they have from the original creditor that validated this debt.Read the attached document I received in the mail from them today. This is not additional information that validates this debt. In the part of the document that says additional information there is nothing there. I want to see this additional information. Stop sending me the identical information you sent attached to my dispute resolution on XXXX the second. The information they keep XXXX So far the CFPB once again has taken no action against Equifax even though Equifax is denying me my rights by not showing me this alleged addition information they claim to have.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I initiated a wire transfer on XX/XX/17, the following business day Ally Bank froze my account. It's been 7 days that I can't login to my account or access any of my funds. I called their " Loss Prevention Line '' and answered the security questions requesting that they unfreeze my account but they keep saying they are looking into it and never get back to me in a timely manner. I don't know how long more this is going to go on for but it's unacceptable.