23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Debt collection

I have made several attempts with this company to receive the proper debt validation on this debt they allege I owe them. There have been multiple certified letters and to date the information requested has not been provided. The collection agency has reported this debt verified to the credit bureaus so I am well within my rights under FCRA to request the legal supporting documentation to validate this debt. As you can see, United Revenue will only respond that this is an emergency debt and my claims are frivolous. Requesting documentation that validate this debt that are reporting on my credit profile is not frivolous. If they have proof of what is owed and can validate this debt then they should not have no issue supplying what is requested. This explains why there are multiple unanswered complaints from them to the Better Business Bureau-their operation is not being conducted legally!
Product: Credit reporting, credit repair services, or other personal consumer reports

Opening this complaint in response to XXXX XXXX XXXX closing complaint XXXX and not addressing the complaint. XXXX response to XXXX was completely and totally misguided and did not address the complaint. XXXX responded about payment history etc. and the complaint was about an address! 

TO BE CLEAR - This is a complaint about an incorrect address for XXXX/XXXX for disputing credit reporting. Equifax is providing an incorrect address for XXXX/XXXX! Providing an incorrect address is a FCRA violation. Not sure who is to blame, Equifax or XXXX, but this is a FCRA violation! 

Equifax clearly lists the address for disputes with XXXX XXXX XXXX as XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The correct address for XXXX ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX also has an address in TEXAS - XXXX XXXX XXXX, XXXX, TX XXXX. WHAT IS THE CORRECT ADDRESS for disputing information with XXXX XXXX XXXX? This address provided by Equifax has been incorrect FOR YEARS!!!
Product: Credit card

My identity was stolen and someone opened a charge card in my name with Chase. I spoke to them several times letting them know it was fraud. They told me initially they were resolving the issue and closing the account. I kept receiving emails regarding amount due for those charges. I closed my checking account with my bank and they reimbursed the amount charged by Chase. Chase has not performed what they said they would and ignore my fraud complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX i requested my items be removed and updated. Ive never received paperwork. Now im forced to file a complaint. Attached is the letters i sent 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

discover card opened a account in my name without my permission. I have sent over police report and FTC report and court documents and they still want remove it off my credit file from XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as  possible.
Product: Mortgage

Since my last complaint on XXXX/XXXX/2016 nothing has changed with US Bank. I was informed by my case manager XXXX XXXX that my file is STILL under review and it 's been well over XXXXXXXX months now or longer. I was told by several realtors which they underwent an advance search on my home that it 's being reconstructed my loan? I need ANSWERS now so I can move forward with this. I ca n't sell my home due to the foundation being severely cracked & the home is shifting nor will the XXXX pass due to this nor can I live here under these circumstances. Back in XXXX my home was appraised for $ XXXX? how is that possible with all these issues. I had many offers of $ XXXX to purchase this home however, according to my caseworker, they WILL NOT ACCEPT any offers less that $ XXXX. question is this, the home right next door to us which US Bank owned sold for $ XXXX last year so what is the problem with ours. it is no fault of ours that the house has all these issues. no one is willing to hear us out. I 've tried to contact my *New Case-manager* XXXX XXXX XXXX XXXX XXXX/XXXX/2016 all day I received a vm which was full. I talked with CSR *XXXX and no one had a clue what was going on only to be hung up on by XXXX, and XXXX were very nasty XXXX we did find a beautiful home that was perfect for us and we were pre-approved however, we ca n't have XXXX FHA loans. This house is not suited for us any longer, it 's WAY TO SMALL, AND, the issues have not gone away. WE NEED OUT. we need our names taken off the DEED so we can move forward and live a normal life and be happy in our new home! I regret having US Bank as our lender due to an abundance of negative feedback & I refuse to have this house refinanced bc it 's NOT WORTH IT! we ca n't walk away from this home or it will ruin our credit. we ca n't do a short sell or it will ruin our credit. we ca n't auction this home off or it will ruin our credit ... As you see in the photos, we LOST everything in the flood back in XXXX as a person with a heart of gold, I would n't want my worse enemy to go through what we did that night. it was a nightmare to see all of our belongings get ruined due to this flood. I hope this makes sense. I NEED ANSWERS ASAP. NOT 2 MONTHS FROM NOW, NOT 6 MONTHS FROM NOW. this file has been under review entirely to long
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Tranunion, XXXX AND XXXX XXXX XXXX XXXX regarding this debt. The debt is reporting INCORRECTLY and have been sometime. Whatever incorrect update that was made on XX/XX/XXXX dropped my score by XXXX points!!!!! nobody can seem to get this account corrected between the two companies so I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report.

Under 15 U.S.C 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have sent certified letter XXXX XXXX # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account.

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN.

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into XXXX XXXX as well. 

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.
Product: Credit reporting or other personal consumer reports

I disputed this account because I have consumer rights for negative items to not be reported on my consumer report.
Product: Mortgage

My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender. I have requested documents for a loan modification in an effort to assume the loan and they said that there is not enough time to process my request.
Product: Checking or savings account

To Whom it May Concern, This is formal notice you are in violation of Regulation E ( Reg E ) and I gave plenty of notice that your company was about to be in violation of Reg E. Here is the timeline that I may use in my private right of action against Bank of America , unless you credit my account immediately for the transactions in dispute. 
XX/XX/XXXX - I submit my formal, written Reg E dispute, with all requirements that my Bank of America statement says are required to initiate the Unauthorized Transactions ( Copy of Complaint Attached ) Complaint ID XXXX XX/XX/XXXX I received an email from XXXX and a second e-mail ( same text ) from the case specialist XXXX that states amongst other things they have received my CFPB complaint. I will start the Reg E 10 business days to resolve or provide provisional credit here XX/XX/XXXX I sent email to XXXX XXXX asking why my Reg XXXX disputes havent been submitted yet. 
-- -- -- -I receive no response, copy of email string for all communications attached XX/XX/XXXX I sent an email to XXXX XXXX reminding them of their Regulatory obligation to submit my disputes. 
-- -- -- -- I received no response XX/XX/XXXX I sent an email to XXXX XXXX to advise them more than XXXX business days has past, they have not started the investigation ( The BofA app advises you of active investigations ), they have not provided provisional credit. 
-- -- -- -- I received no response XX/XX/XXXX I submit this CFPB complaint to put BofA on notice of their violations and add to my potential private right of action against BofA Because of BofAs failures, I am requesting they provide final credit my account for the XXXX charges I disputed on my XX/XX/XXXX dispute and provide monetary compensation in lieu of me pursuing this in court. I am a financial services attorney and could easily bring this case myself, but since the regulation provides for attorney fees I will likely use one of my many contacts to represent me. I prefer to handle this matter without litigation. I look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

As a natural person and consumer of the United States. In accordance with 15 USC 1681 Dept of Education has violated my right by reporting inaccurate account number and Last reporting dates on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXXXXXX Acct # It does not provide the account numbers for these cases ; There is XXXX in total. 

15 U.S.C. 1681 section 602A states ; I have the right to privacy. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX Account has violated my rights. 

604A section 2 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

My personal information is incorrect with Equifax. They all have inaccurate personal information on my credit report.
Product: Credit reporting or other personal consumer reports

I have verified that my credit reports are accurate and up to date. However, the significant differences between my credit scores are causing me harm, particularly when lenders rely on the lower score to make decisions. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as the credit reporting agencies are responsible for ensuring the accuracy and consistency of their data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Dept of Ed XXXX  XXXX  Experian are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. Thank you
Product: Checking or savings account

HITo file a complaint against Wells Fargo Bank, ANNUAL XXXX WITH WITH FARGO BANK AND MY CASE REVIWING HER NAME IS XXXX  SHE CLOSE MY ACOUNT BY MISTAKE BECAUSE SHE SNT ME WRONG APPLACATIONS AND I RECIVED SHE REMOVED THE HOLD ON MY ACCOUNTS AND THE ACCOUNTS BUT ONLY CHECKING BAck active and saving closed account XXXX, Case number : XXXX Wells Fargo employees involved in my case.is XXXX and i calle dher supervisor many times and i left voice massages and i dont recived call back form any of them i hope to help me to get my money back above XXXX  XXXXand reopen my account taken acutions to resolve the problem here some of the emiles i had complaint to wellsfargo branch and call center and resolution team all promisted to fix the issued but nothing happened here few emails We received your concerns XXXX XX/XX/XXXX, XXXX to me Title : Wells Fargo logo - Description : Wells Fargo logo Case number : XXXX Account number ending in : XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for sharing your concerns with us. We know this needs our attention, and were looking into it for you. 

Whats next Well respond within 10 business days from the date you contacted us. If we need more time to research and respond to you, well let you know. 

Were here to help We appreciate the time and effort you took to contact us. If you have questions, please contact us at XXXX. Were ready to help you Monday through Friday from XXXX XXXX XXXX XXXX XXXX Central Time. We accept telecommunications relay service calls. 



Sincerely, Small Business Resolution Team For security reasons, please do not respond to this email with any personal or account information. 

This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply email and delete this message. Thank you for your cooperation. 

We may collect personal data as part of the complaint resolution process. For the categories of personal data that Wells Fargo may collect and how we use it, see the Wells Fargo California Consumer Privacy Act Notice at Collection at https : //www.wellsfargo.comXXXX. See additional Wells Fargo privacy notices at https : //www.wellsfargo.comXXXX. 

XXXX Wells Fargo Bank , N.A . 
On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : I have made the request for the holds to be removed from your account and I will advise you once I have been notified of the results. 



From : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX, XXXX XXXX Subject : Wells Fargo app cations case XXXX XXXX
Product: Money transfer, virtual currency, or money service

Between the dates of XX/XX/year> until XX/XX/year>, my accounts with Cashapp has close because of what they term as sharing violations. I thought this was a private app made for sharing with peer to peer payments amongst each other or friends. 

I had all my accounts open and close with warning. I didn't even get a chance to use some of them. I feel they're bias or someone on staff is dictating my relationship resources from making money. 

It could be discriminative in the actions of Cash.app. I had a friend that like to share payments to help her investment planning. Also, I like to use cash.app to help move money to my accounts or make payments to other resources. I also like move money to cash.app from other resources. 

They have limit my abilities to move money without leaving home to a store to do a cash deposit at a register to reload to accounts. 

My accounts in phone numbers of XXXX, XXXX and XXXX all has been closed. What is the app about? a peer to peer or business currency exchanges I thought.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX '', Capital One Auto Finance on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions. I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself.
Product: Debt collection

I received a letter from American Coradius International , Inc. for an amount owing XX/XX/XXXX of {$60.00}. I contactedXX/XX/XXXX because I would have no reason to owe them any money and they indicated it was a fraud or scam letter and to disregard.
Product: Debt collection

In accordance with the laws of the state of California, California Civil Code Section 1526 and California Commercial Code Section 3311, once a final payment has been remitted and accepted by a creditor or lender, payment is deemed paid in full. It does not matter whether or not the total amount of debt was paid as long as a written notice signifying final payment and final payment is written on the check clearly. XXXX of said payment is final. The creditors legal department knew this, yet the company refused to return the check and accepted it as final payment. 

The credit agencies had removed this debt from my credit report ; however, as recent as XXXX of this year, the creditor, JP Morgan Chase reported it again to the credit agencies, and it was re-added to my credit report. I contacted the credit bureaus, and they each refused to remove the delinquency. This has negatively affected my credit score. Please remove the collection and debt from my credit report and any references to late payments and mark the payment as paid in full. 

Dates and amounts are as follows : Date of payment - XX/XX/XXXX   Receipt of payment XX/XX/XXXX  Amount of payment {$790.00}
Product: Credit card

No rolling balance, paid in full, interest charged. XXXX  store card ... .stating may take months to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to release a copy of my report so I can address the inaccuracies within.
Product: Money transfer, virtual currency, or money service

I was sent money via Venmo in the amount of {$400.00}, two separate {$200.00} sends from XXXX XXXX on XX/XX/2023. 

He did so, and as soon as the money hit my Venmo account, I transferred it to my bank account. He either sent the money with insufficient funds in his bank account, or he disputed the charge, but either way it required the money to be paid back to his bank account which Venmo had to do. 

As a result, they froze my Venmo account and I am unable to access the money that is currently in it. 

Ive reached out multiple times through different chains of communication to no avail and now they are claiming that I have to pay back via debit or credit card the {$400.00} balance to them which is robbery
Product: Vehicle loan or lease

I obtained a loan from United finance back in XXXX to purchase a XXXX XXXX XXXX. Ive been paying on it every since. Im occasionally past the due date but almost always within the 10 day grace period. Ive been late past that a few times when spending excessive amounts of money to fix the car. I always communicated with them if there as an issue. My ex husband went in and got a car a XXXX XX/XX/XXXXwhich was a lemon. He took the car back and requested it be auctioned. They sent a letter saying it was sold for a few XXXX dollars and after fees barely anything applied to the balance. That has nothing to do with my car. I missed a call from them today and I logged on later in the evening to set a payment for the XXXX when I get paid, however, upon logging in I see my account shows as closed. And it is NOT!
Product: Credit card

XX/XX/year> Booked a XXXX XXXX for travel from XX/XX/year> to XX/XX/year>, Ticket was purchased using my XXXX XXXX XXXX of XXXX with a cash balance due of {$150.00} that was charged to my Citi credit card. BOOKING id XXXX XXXX XXXXXX/XX/year> I cancelled these flights with no penalty. 
XX/XX/year> Spoke with XXXX at Citi XXXX XXXX who informed me my XXXX points would appear refunded to my account in XXXX  days. 
XX/XX/year> PARTIAL REFUND of XXXX points was back in my account. 
XX/XX/year> Spoke with XXXX at Citi XXXX who in turn spoke with her supervisor to inquire why I wasn't refunded the full amount of XXXX. Promised to call me back in XXXX hours on the status of the XXXX balance. She never called. 
XX/XX/year> Spoke with XXXX at Citi XXXX and upon checking informed me it was in " second escalation level support '' and to expect an email within XXXX hours. Never received email. 
XX/XX/year> Spoke with XXXX at Citi XXXX and again was told it would be escalated to resolve why I haven't received the balance of my points.