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

All three major credit bureaus XXXX, XXXX and Experian have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household. 

This consumer is putting XXXX, XXXX and Experian on notice of the value of this consumers personal data and signature and is warranted damages in the amount of XXXX XXXX dollars. 

Take Note : All XXXX XXXX XXXX ( XXXX XXXX XXXX ) Personal Information and Signatures hold a required value of XXXX XXXX dollars ( XXXX ), per incident ( request ) 15 USC 1692 ( A ) ( 4 ). Violations found may be cause for indictment/ penalties for Violation of Rights, Trademark/Copyright Infringement, Fraud, and Estate Embezzlement , etc for all parties involved. 
ACCORDING TO 15 USC1692 ( A ) 4 I XXXX XXXX I AM THE ORIGINAL CREDITOR-IN-FACT/ALL PERSONAL DATA AND SIGNATURES HOLD AN UNLIMITED VALUE/SO CALLED CREDITORS LISTED ARE DEBTORS IN FACT/XXXX/XXXX/EXPERIAN DOES NOT HAVE MY EXPRESSED CONSENT TO MY EXPRESS WRITTEN CONSENT TO FURNISH MY DATA.
Product: Credit reporting, credit repair services, or other personal consumer reports

About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I  replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Product: Money transfer, virtual currency, or money service

In XXXX I transferred XXXX XXXX tokens from the XXXX XXXX  to ANCHORUSD. This app had a 5-star rating and good reviews. Also, this site was going to participate in the XXXXXXXX XXXX drop. I transferred my coins. I could check my balance for three years, and everything seemed normal. In XXXX of XXXX, we received our XXXXXXXX XXXX I had this app on three phones and could check my balance for three years. During this time, ANCHORUSD asked me to verify my identity, which is normal. Everything seemed normal. I then noticed that I could not access my account on one of my phones and opened a ticket with them to report the problem. 

ANCHORUSD accused me of laundering money and asked me to remove all my tokens from their siteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Consulates worldwide. I currently live in XXXX XXXX, XXXX XXXX, but my home of record is XXXXXXXX XXXX. I verified my identity with them, and they were satisfied. However, I still was unable to log in to my account from one of my phones and reported this. I then started to read reviews about them online, and many others can not remove their funds from this site. I decided to move my tokens back to XXXX. I am being blocked by ANCHORUSD from doing this. I have tried for several weeks to move my coins and can not. I am repeatedly told by ANCHORUSD that they are working on the issue. 

After reading posts on ANCHORUSD, I believe them to be a scam. I want to report this so that if there is any recovery from them, I may be able to recover my coins. 

Yes, I feel stupid. Their app is still listed in XXXX and has over 4 stars. I have lots of emails. More than what I seem to be able to upload to your site. Also, there are numerous complaints about this site on the Internet. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I moved and the banks sent statements to the wrong address. I learned that the post office had the wrong forwarding address and when I discovered the issue, everything was resoled. I have always been committed to meeting my financial obligations promptly, and there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

XXXX XXXX XXXX ...., XXXX  XXXX XXXX ..., XXXX XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

My identity have been in alone with millions of people and I cant get any credit for my personal identity and my business I need all of them took off my credit report I see that its a class action lawsuit going on right now with Equifax along with other credit bureau I would like to have these things taken off of my credit for all of the negative things. Thats on there
Product: Money transfer, virtual currency, or money service

On the day from XX/XX/XXXX chase bank banned for life and closed my checking account with them, after I transfer XXXX dollars from the its to my joint account in XXXX XXXX, that I have with my husband, I tried to present the documents and tell them where the money came from because I got married last year and I haven't been working because my husband takes care of my so my XXXX  was having an amount of XXXX each month of expenses they tread me poorly and I think they even made this desicion because I'm a foreign person but I have the right to have and account because I came to the United States as XXXX and not ilegal or anything I can proof my identity I can proof where they money come from but they just banned for life over a transfer that was the money for the its, they didn't even let me explain and ended their relationship with me
Product: Debt collection

the account in the amount of XXXX is the amount they said i must pay. But i have no knowledge of this XXXX XXXX account i never opened a account with them now they are threating to sue me for something i have no knowledge of they said the account was open in XXXX in was closed XXXX of XXXX. they are saying they have been trying to contact me but i never got any calls. i have not or ever had a account with them that is fraud. now they is threating me to sue. i did contact them in told them i never had a account they were still trying to make me pay i told them i will file a police report if possible about the account because i have no knowledge of the account or the amount i even told them thats not have u spell my name on the account my name is mis spelled. if it was my account how could i get something like that wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are fraudulent on my following accounts : XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX
Product: Credit card or prepaid card

I have an Apple Goldman Sachs card. I booked a hotel XX/XX/2022 for a stay at the XXXX XXXX through their XXXX XXXX XXXX website for XXXX XXXX XXXX The cost was {$1000.00} I canceled this reservation on XX/XX/2022. The cancelation deadline was XX/XX/2022 ( 1 day before arrival ). The hotel charged me anyway and I disputed with Apple Goldman Sachs. The hotel provided their stance on the dispute which was that there was no cancelation allowed due to it being the XXXX XXXX XXXX  and also that I booked from a third party and there is not cancelations allowed. I did not plan a stay at this hotel for the XXXX XXXX XXXX and a quick XXXX will show you that the XXXX XXXX XXXX was in XXXX. My stay was in XXXX. I also did not book through a third party. I booked directly through XXXX XXXX XXXX website for XXXX XXXXXXXX XXXX stay. Another quick XXXX will show that is the only way to directly book at this hotel. I provided screen shots of all of this to Apple Goldman Sachs and they have not done one ounce of research for me at all. The dispute gets denied and I open it up again. I ask for proof from the hotel and each time they state they investigated yet they still send me the same notes as the first dispute. This has been going on for months now. I am so upset that Apple Goldman Sachs has not done anything on my behalf. I do not carry a balance on this card and I also have amazing credit. I need help with this investigation and Apple Goldman Sachs to do their due diligence on my case. They have done nothing. Every time I call, Apple agrees with me, they send me to a Goldman Sachs rep and they also agree with me. What is going on???? You are allowing this specific hotel to rip people off and Apple Goldman Sachs is not doing any investigation when I am showing fact and the hotel is not!
Product: Mortgage

You sent me checks dated 2021, so they got returned. 

Re-send check numbers XXXX and XXXX, totaling {$5700.00}
Product: Vehicle loan or lease

I leased a XXXX  XX/XX/XXXX. I tried to pay through the website XXXX, but could not set up payment with the VIN, as it indicated I could. I needed an account number. I called the dealer but they were not affiliated with the finance company. I contacted the finance company, but they only had my previous car loan information. I sent an email XX/XX/XXXX to customer service through their website requesting an account number and never received a response. On XX/XX/XXXX, I received a phone call from the Hyundai Finance collections department attempting to collect a past due debt. I had to press them to look into the account and they indicated my first bill was issued XX/XX/XXXX, two weeks after the first due date. I had not yet received the bill at the time of the call. When the bill came it showed the account was past due. The collections agent agreed to waive the late charge and took my payment over the phone. I received a phone call XX/XX/XXXX, again from the collections department attempting to collect a past due debt. They told me the XX/XX/XXXX payment was not made. I paid it again, and I paid for my upcoming XXXX payment. Afterward, I examined my bank account, I saw that money was taken from by bank account XX/XX/XXXX, issued to Hyundai Finance. I called their customer service. They told me the payment was not made. After pressing them and some time into the conversation they found they had applied the payment to the wrong account. I was told a refund would take 30-45 days to process. I am without this needed money and they will not return it for 30-45 days. How can this be legal? How can a finance company be this incompetent? Surely this company is not following guidelines. Something should be done to prevent them from operating in this way. They did not provide a method to pay, then harassed with collections, then took money and didn't apply it to the account, and then refused to return the money for 30-45 days.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FIRST XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights XXXX 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Bank of America nevered responded or called me about opening up an account for my trust I have them my trust documents and still no response so they turned me down I have issue with them in the past with old accounts when someone used my identity to open up bank accounts in my name I been having issues with getting them disputed 12 usc 1431 these are the duties of the bank to provide service to the customer or consumer 15 usc 1681 my identity has been or privacy has been taken and used for whatever they wanted
Product: Debt collection

Send debt validation letter to midland debt company over year ago havent received nothing Robo calls all day from this company 5 days a week harassing letters to my address this company is practicing illegal tactics under fair, credit act I want to take legal action for harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that are listed on my credit report. I am particularly concerned about the accounts that are listed as late payment, charge off, and collection. The following are the accounts that I am disputing : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account MEDICAL XXXX Collection Account 04 XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX. XXXX Charge Off Account I do not believe that these accounts are accurate and request that you investigate the matter thoroughly. I have included a copy of my credit report with this letter for your reference. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. I am invoking this right to ensure that my credit report reflects an accurate and up-to-date picture of my credit history. 

Please note that if the investigation determines that any of the above accounts are not accurate, complete, or verifiable, I request that they be removed from my credit report immediately. In addition, I request that you provide me with written confirmation of the removal. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

There was a loan taken in my name from a company called XXXX which I had no knowledge of or received money from. A company called Cach LLC bought the loan from them and originally called me in XX/XX/XXXX through Fresh View Solutions, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from XXXX or CACH LLC. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX XXXX XXXX who attempts to collect money on behalf of CACH LLC, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what XXXX requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from XXXX or CACH LLC. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. Experian was provided with a letter I received from XXXX stating the loan was paid. I also have proof showing XXXX was who deducted the FULL payment from my bank account.
Product: Checking or savings account

On XX/XX/2022, I received a letter advising that TD Bank was closing five of my accounts with them. After several years of doing business with them, I believe I am being discriminated against. I have never deposited a check that bounced ; never wrote a check that I did not have funds for ; I have never had overdraft fees ; I almost always maintain my minimum required balance. In addition, I have always been respectful and courteous to all bank employees that I have communicated with. Further, I ensure that all account transactions are legitimate. I do not believe that there was a reason to interrupt my banking status with this bank. Though the relationship is at will, I feel I am discriminated against.
Product: Mortgage

Him XX/XX/XXXX, I worked with Envision lending in XXXX XXXX XXXX, Utah and XXXX XXXX who was representing Envision lending. The mortgage broker XXXX XXXX at that time helped me get into a adjustable rate mortgage and an interest only mortgage for our home with the understanding, if we made our payments on time in approximately three years we could refinance to a fixed rate mortgage and a lower interest rate. Around XX/XX/XXXX we reconnected with XXXX XXXX who informed us we could get a 5 % fixed interest rate because of our timely payment. On or about XX/XX/XXXX, I met with XXXX XXXX and signed a fixed rate mortgage with the understanding the mortgage would then be at 5 % mortgage. I began making my mortgage payments, on the new mortgage shortly thereafter. Several months later we were notified concerning a payment reduction on the mortgage. We paid the mortgage until we were put into a position financially where we could not afford the payment. We were sued by Bayview loan servicing , LLC, the alleged creditor, XXXX XXXX company the alleged trustee and XXXX and Associates the law firm that is representing XXXX and also owning XXXX in XXXX XXXX XXXX. I have never signed a contract or agreement with Bayview Loan Servicing , LLC, nor have I paid any payment, agreed to pay any payment or are in default to Bayview loan servicing LLC. I have defended the case pro se and in the process of reviewing what I could find in my records I came across to the envelope that included the mortgage information from the second mortgage that I had not looked at as I received it months later after I took out the mortgage. Inside the envelope I found XXXX CDs which contained XXXX separate loans. XXXX of the loans was signed XX/XX/XXXX, the other loan appears to have been signed on XX/XX/XXXX. We do not recall applying for a second loan nor being told we had taken out another loan. Also the loan from XX/XX/XXXX was a 6.627 % loan with the fixed rate and the loan on XX/XX/XXXX was a 5.62 % loan with a fixed rate. On XX/XX/XXXX I received a change of creditor notification f him rom Bayview Loan Servicing LLC. Under the FDCPA 1692, section 803 " definitions '' it appears Bayview loan servicing LLC is not a creditor as defined in 1692a ( 4 ) I am a consumer as defined in 1692 a ( 3 ). Bayview Loan Servicing , LLC appears to be a 1692 a ( 6 ) debt collector, collecting a 1692a ( 5 ) debt and are not a Party in standing but third party debt collectors attempting through a judicial foreclosure, to remove our family from the home. We would appreciate assistance in this matter as Bayview Loan Servicing LLC through XXXX XXXX have continued to move forward without proving standing. We would appreciate your assistance in the resolution of this matter.