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

I have been disputing the following inaccuracies since early XX/XX/2020 which can viewed directly through the Consumer Financial Bureau from previous complaints I have submitted regarding this same issue. On XXXX XXXX the creditor XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX. the reported account number that is shown in connection with this inaccuracy is # XXXX. This account was dismissed by a License California Judge court ordered dismissal yet they refused to remove this account on several occasions dating back to XXXX of 2020 when I first dispute this account the credit bureau will temporary remove the account off of my credit file and then weeks later add it back which I have proof of, They have done the same with other inaccurate accounts such as XXXX XXXX XXXX  which has been paid off since XXXX XXXX which I have provided the receipts proof of to the credit bureau once again they refuse to completely remove their inaccurate information provided on this account and keep it off of my account they will once again remove it for a couple of weeks and the add the inaccurate information back. Credit bureau has also reported XXXX XXXX  as a delinquent /closed account which is inaccurate I provided them with the proof of the paid off account several times via digital through the CFPB and by physical mail yet they refuse to remove this account as well since early XXXX of 2020 also temporary removing the inaccuracy just to add it back a couple of weeks later.
Product: Credit card

I signed up for a Citibank XXXX Card where they promised me {$350.00} If I spent {$2000.00} within the first three months. I did that and they only gave me {$150.00}.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CB INDIGO, I am writing this letter to dispute the following information that appears on my credit report : XXXX/ identiring information : This company i percine fraudie incute informain or such XXXX XXXX XXXX requested ins so I May review to see if this is actually an account that belongs to me Thank you for your assistance in this matter. 
Sincerely, XXXX  XXXX XXXX XXXX 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which is a law that governs how consumer credit reports are accessed and how personal information is handled. The law 's purpose is to ensure that consumer reporting agencies ( CRAs ) are fair, impartial, and respectful of consumers ' privacy rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out numerous times to Experian to have XXXX XXXX XXXXXXXX XXXX XXXX XXXX removed from my report, to no avail. XXXX and XXXX have removed the address. I live in the state of XXXX  and have provided my updated address information. I am not at that address and would like to prevent identity theft with credit card offers & etc. still going to that address. I have reached out to the creditors as advised and the supervisors they can't update my address on closed accounts. I contacted the creditors for the open accounts and they have been updated with my XXXX  address with the creditors.
Product: Checking or savings account

On XX/XX/XXXX, I deposited {$20000.00} into my savings account at Bank of America. On XX/XX/XXXX, XXXX XXXX withdrew the {$20000.00} from the account the check was written on and Bank of America put a hold on the funds for 10 days until XX/XX/XXXX. 

I called Bank of America on XX/XX/XXXX at XXXX am XXXX and spoke with XXXX and her supervisor XXXX XXXX who gave me her employee number : XXXX ). I was told that the money had not been verified by XXXX XXXX and the hold would be in place for 10 days. 

On XX/XX/XXXX at XXXX am XXXX, I spoke with XXXX at the XXXX XXXX XXXX and asked to speak with a supervisor because she would not be able to help. XXXX XXXX was the supervisor who came on the line. I asked for his employee number and he told me that they do not have employee numbers. Either he or XXXX intentionally lied to me while I tried to resolve this issue. XXXX informed me that funds have not been verified and no funds were received after four days. Not a likely scenario given the electronic nature of banking. 

XXXX XXXX and/or Bank of America is using the legal deadline of 10 days to profit off of my money. Since the money is in neither my savings account nor the checking account from which the check was written, the banks for nine days are using the money for their own profit. This is unethical, immoral and designed to exploit the under privileged and minorities, who use personal checks to a greater degree. 

Please stop this practice, since in this day with the automation in the banking system there is no valid reason to hold funds for ten days after the funds have been removed from the account from which the check originated. While the ten-day hold is there to ensure funds are available in the originating account, once the funds have been withdrawn from that account there is no need for the extended hold. The only purpose is to enable one or both of the banks to profit off of their clients money. XXXX XXXX has a reputation of abusing their clients. This matches their modus operandi. 

I am asking that the XXXX stop excessive holds banks use to profit on money that is not their own. 

Thank you for your time and effort in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looks like XXXX is going to ignore the laws of Texas, and rules set by the cfpb, in XXXX the account for XXXX XXXX XXXX reported by bank of America because the 7 year 's to remove had passed, it was removed from all the credit reporting agencies, in XXXX the account was moved over to XXXX a debt collector, they started making up statements, that was false, first a lawyer sent me a letter to cure the account XXXX, then XXXX sends a statement in XX/XX/XXXX, for XXXX, in XX/XX/XXXX one for XXXX, then one in XXXX for XXXX, al these supposedly pass due amount s, now XXXX has put it back on my credit report, reporting like a new mortgage, they changed all the amounts, not reporting the last payment was XX/XX/XXXX, according to the fair credit reporting act, once a account is removed it can't be put back on, and changing all the information is illegal, and can file suit.also justice Dept ruled it illegal
Product: Credit reporting or other personal consumer reports

My information with XXXX has been breached and here is the proof and the reuse to delete these accounts XXXX XXXX XXXX Account # XXXX {$13000.00} Midland Funding Account # XXXX {$710.00} Midland Funding Account # XXXX {$690.00} XXXX XXXX Account # XXXX {$430.00} XXXX XXXX Account # XXXX {$2300.00} So please delete these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a phone call from someone impersonating a representative from WellsFargo Bank. They said that I had Fraudulent activities on both my checking and savings account. I believed them since this has happened before and turned out to be true. So the representative asked me if I traveled to XXXX and I said no. He also claimed that there were four flagged Fraudulent amounts on my account. He proceeded to tell me that they might have access to my account and know my routing number and account numbers so I need to change my username and password. He sent a Wells Fargo message saying to put my username and cancel. I did. He sent another Wells Fargo message, but this time, it said put my password and cancel. I told him that I dont know my password since its saved on my phone. He gave me a temporary password so I can get into my account. So the representative told me that I need to make a wire transfer of money from both accounts to new accounts. I proceeded to send my checking account money to the new account and I was moving the {$13000.00} from my savings account to the new account also, but I made a mistake and put {$1300.00} only. It was canceled. I tried to send the {$13000.00} three times, but it wouldnt allow it. The representative told me that he was going to send me a new debit card since my accounts were supposedly compromised and to go to a bank and take out {$13000.00} from my account so I can transfer it to my new Debit card. I went to the bank and withdrew {$13000.00}. The representative gave me the debit card to put it on XXXX XXXX. After I did, I tapped the phone to the ATM tap and deposited the {$13000.00} into this Fraudulent debit card that I thought was mine. After an hour, I called Wells Fargo to see my progress and thats when I saw that it was Fraudulent. Even thou i sent in a substantial amount of evidence that i was frauded, WellsFargo refused to refund me.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting collections on my credit report, for accounts I am not liable for, nor signed contracts for. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Again, I do not have accounts with the following companies. 

-XXXX  acct # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX
Product: Debt collection

I am within the grace period for paying on the Lending Club account which due was XX/XX/XXXX. They started calling my cellphone on XX/XX/XXXX and now my employer everyday since XX/XX/XXXX. I informed them on XX/XX/XXXX that my employer does not want my personal calls coming to the office number of XXXX. Do cease calling this number. They have called the office every day as late as XXXX XXXX  on XX/XX/XXXX. They said, they would remove the number from their list but they haven't. They have my cellphone number to contact me.
Product: Credit card

I submitted a dispute on XX/XX/XXXX for {$5400.00} and as of XXXX XX/XX/year>2024 it has not been resolved. I provided several information that provided clearer proof that I was scammed or a victim of a bait and switch and was giving no resolve. 

The people in the dispute center did not understand what a webinar was and kept asking me the same questions, even with proof, Citi has a reputation of not resolving disputes. They did not help nor protect as they say they would.
Product: Debt or credit management

I have been trying to get in contact with XXXX XXXX about a debt my wife owes. I am trying to reach a settlement to not waste our time paying on something for XXXX years. It has been XXXX hours with no contact and I just want this resolved. Their phone number does not let me through and they will not respond to my emails regarding her account. Their info is listed below XXXX Certification No : XXXX XXXX Certification No : XXXX Certified Since : XX/XX/year> XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 10 hard stops on my credit report from XXXX  in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX  XXXX - XXXX, XXXX- XXXX, XXXX  XXXX, XXXX- XXXX 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 a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is erroneously reporting a new account loan number XXXX for {$2200.00} through XXXX XXXX posted on XX/XX/XXXX and I do not and never had a contract with XXXX XXXX with this loan number. Experian is also reporting the account as 120 days past due when this new account never appeared before as they recently opened the trade line on my file on XX/XX/XXXX. I never consented nor signed this new loan contract and immediately asked for validation and never received any validation of this new contract. The monthly payment amount and the loan number Looks like fraud as I dont recognize either of them.
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 1681XXXX 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 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. 
Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to misreport any information on my credit history.. Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me 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

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am victim of scam. I wire transferred {$20000.00} to XXXX XXXX XXXX XXXX acct under false pretenses and fraud. on XX/XX/2022 under the instruction from a scammer. Once I discovered that I was scammed I went to XXXX XXXX to file a claim. XXXX XXXX did nothing and would not assist in recovering my funds. I was told to make a claim with my bank. My bank requested a wire reversal but XXXX XXXX has not reach out to my bank. We are still waiting since XX/XX/XXXX. XXXX XXXX has not responded.The lack of urgency on the Beneficiary bank made in accomplice to the fraud because they failed to protect the victim and they holding an account that is involved in money Laundering. Through my own investigation, I was able to contact XXXX XXXX and he admitted that he received my wire but he took the funds out immediately and transferred the funds to the scammer by purchasing bXXXX. XXXX XXXX has done nothing and has not responded to my bank 's request. Therefore XXXX XXXX has become an accomplice to this action by doing nothing to resolve and not following their zero tolerance Fraud policy. The XXXX XXXX would not let me make claim because I was not a member even through I had all the evidence. XXXX XXXX is indirectly assisting in money laundering and criminal activity keeping this account open and allowing this individual to laundered money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech Financial LLC is still showing my XXXX mortgage loan as a charge off on the credit bureau. This account was started with XXXX XXXX XXXX and was transferred over to Ditech Financial LLC. Ditech is showing this was last reported in XXXX, however this account was paid in full in XXXX when my house was sold. There was a full payoff at that time and nothing was charged off. 
Ditech has been near impossible to contact and get any information from. There are well over XXXX attempts at resolving this with them with no contact back. When I did talk to someone, they just keep transferring you elsewhere ... horrible customer service.
Product: Checking or savings account

There was a XXXX scam that happened to my account. I did not authorize this, XXXX is provided by Citizens Bank. The amount was {$750.00}, the bank refuses to stand by their XXXX  and protections on the account and they refuse for whatever reason to return the stolen money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX XXXX   XXXX  And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company
Product: Mortgage

this began when XXXX told me the only way they could modify my mortgage was for me to be behind on my pymnts. This was back in XXXX. The loan person said that if I would miss XXXX payments, then I could apply for a modification, and they would then be able to help me.. But as long as I was current, they could not modify my loan. So, i missed the XXXX payments they told me to, and applied for the modification. I did everything they told me to do,, The paperwork was incredible,, and I have submitted XXXX times,, re- submitted,, re-supplied " lost documents '' to them,, they have given me nothing but a complete run around. Now, as of XXXX XXXX, they transferred me to SPS..I was assured by SPS that they would get the modification done quickly and effectively,, and they apologized about what XXXX had put us through,. Ok, It is no different with SPS.. they have asked over and over again for the same documentation,, and I have provided it. The only thing I can say is that SPS allows me to submit via e mail,, and that helps a lot,, it also gives me proof that they received the documents. It is much better than faxing over and over again. So, the amount of money they say I am behind is incorrect. The payment when it was with XXXX was figured wrong for about XXXX months, becuase XXXX messed up my escrow analysis. XXXX wrote me in XXXX of XXXX telling me finally, that they had messed up my payment amt,, and that I was correct, and that my payment was not {$1500.00} per mo,, but it was {$1000.00} per mo,, then,, they transferred it to SPS,, and sps is using the incorrect amt of {$1500.00} too.. Even thought hey can clearly see my statements from XXXX,,, and even the sps statements show the XXXX amt.. ok,, it has now been XXXX months with no modification. PLease help me.. This has ruined my credit,, I was at a XXXX credit score when this began,, the hardship lasted XXXX year,, we can make normal payments,, my credit score has gone down to XXXX because of this XXXX.. and clear violation of my rights. They are running rough-shod all over me,, and no one will listen.. We are good people.. I am not leaving my home,, my mom XXXX in this house,, I raised my XXXX boys in our house,, I just want a modification.. Now, they say that they need XXXX more months of bank statements. that the last batch I sent them, the underwriters could not decipher the income on the deposits.. even thought the deposit amounts match the XXXX income statements exactly. We are XXXX employed, ,have been for XXXX years.. have good income,, all our tax returns are in order, ,they have them all,, This is our primary home,, I am begging for you to help me, XXXX My files on XXXX and SPS are over XXXX " thick XXXX. I have kept all correspondence.. they have not filed foreclosure ... .they are asking me if we have a copy of the note,, they can not find it.
Product: Credit reporting or other personal consumer reports

Ive submitted countless debt request validation letters. Ive submitted documents Ive called. I spent countless hours on the phone to speeding. These things have never been forwarded accurately and there some are still closed. Still reporting as a negative XXXX refused to just help me out and its causing turmoil and great grief to the point where I cant even get alone I cant even finance a vehicle, I demand they removed everything that is reported accurately, countless data, breaches, etc. 
XXXX XXXX XXXX battery breach XXXX XXXX Trans Union breach I mean, countless that reaches it which is exposed. All my information has caused me to have my credit report completely annihilated with negative information. Its not mine. I demand that they remove this because it should be illegal for them to be so negligent with my personal information.
Product: Credit reporting or other personal consumer reports

I took a loan with XXXX XXXX XXXX to pay for a vacation. I lost my job shortly afterwards, I lost my vehicle and my home as well. 

I have no money, unemployment benefits or any financial assistance. My family has shunned me due to my XXXX  and I have no friends due to XXXX XXXX as well as XXXX. 

I told them I was not able to pay, but they still reported to the credit bureaus but NEVER EVEN VERIFIED ANY LATE PAYMENTS AND I PAID THE ACCOUNT PRIOR TO BEING CHARGED OFF. 

THEY ALSO GOT BOUGHT OUT BY ANOTHER ENTITY THAT DOES NOT SHOW UP ON MY CREDIT REPORT.