23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I am disputing items that need to be deleted. According to the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. In your investigation results please provide the names, addresses, and the telephone numbers of individuals you contacted during your investigation During the investigation period these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Below are listed the account, account number and the opening date. 

XXXX XXXX XXXX - XX/XX/2023 - XXXX
Product: Debt collection

I received a robo call on my husband 's cell phone ( XX/XX/XXXX at XXXX XXXX ) and was asked to hold for a live person. Live person identified as a debt collector. First violation that they did not have authorization to call this cell number. Claimed I owed {$3700.00}. I explained that I had settled the account on XX/XX/XXXX with the hospital XXXX and had a cancelled check showing it was cashed. I also explained that another agency XXXX had contacted me in XX/XX/XXXX about the same debt and they were given the same information and I had not heard anything else from them about the debt. I sent a letter to Capio Partners LLC on XX/XX/XXXX disputing the debt and advising that they had violated the FDCPA, FRCA and TPCA with a copy of the cancelled check showing that the account was paid. I requested they send a letter to me acknowledging that they removed from my credit file and show account paid and closed. They have not sent a letter and have posted this to my credit file.
Product: Payday loan, title loan, or personal loan

XXXX at Regional Finance in XXXX, GA was EXTREMELY rude and disrespectful on XX/XX/2019. I explained to her my case on my payment. She accused me of making a fraudulent payment to get them off my back which I did not. That is tarnishing my character and completely inappropriate. I told her I didnt appreciate her attitude and she kept assaulting me. She said I do what I want to do Im mad at her because I can not pay bills. This is absolutely no way an individual should be treated. Horrible finance institution and completely unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/2021
Product: Credit reporting or other personal consumer reports

Ive done this back in XXXX for Equifax and XXXX to remove the debt. Ive sent certified documentation and they still havent removed or responded.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding the account with XXXX XXXX XXXX XXXX, listed under the following details : Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$25000.00} I am formally requesting that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, which holds you liable for negligence in failing to properly investigate and verify information. 

I believe that this account is being reported inaccurately and that XXXX XXXX XXXX XXXX has failed to properly verify and validate the balance, status, and other details of the account as required by law. Despite my previous attempts to resolve this issue, no satisfactory resolution has been provided. As such, I request that this account be immediately removed from my credit report.

I ask that you thoroughly investigate the accuracy of this information and update my credit file accordingly. If you fail to do so, I will consider pursuing further actions for civil liability as prescribed under the law for non-compliance with investigation and reporting requirements.

Please confirm receipt of this dispute and notify me of the outcome of your investigation within the 30-day period as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulated the status of limitations.

The account charged off was {$6800.00} dollars I had a payment agreement from XX/XX/XXXX to pay {$200.00} dollars per month which I have been paying on time. ( 16 months at {$200.00} dollars = {$3200.00} dollars ) I paid in full the obligation on the XXXX XXXX XXXX XXXX the agreed upon amount of {$5200.00} dollars. 
Today XX/XX/XXXX after 3 months they still have not updated the credit bureaus to reflect that payment. This is directly impacting my credit score in a negative way and the information they are reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XXXX  and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act 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, has violated my rights. 

15 U.S.C. 1681 Section 602 A. State 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.
Product: Mortgage

In XX/XX/year> XXXX misapplied my monthly mortgage payment. I have two loans with XXXX and they applied both payments to one loan instead of properly applying the payments to the accounts due despite the account numbers clearly indicated on the face of each check.
Product: Money transfer, virtual currency, or money service

Purchased XXXX BTC for {$100.00} at XXXX/XXXX/2018 XXXX on Coinbase.com and initiated a transfer to another exchange moments later. It is now almost 24 hours later and still showing " pending ''. Coinbase is refusing to initiate transfer, as transaction still shows " XXXX '' confirmations. This means they have yet to submit it to the blockchain to get authorized on the bitcoin blockchain. 

I am not the only one with this issue. If you visit their XXXX page ( XXXX ) you will see hundreds of other people with the same issue. It is causing us to lose money, borderline fraudulent, and morally not correct.
Product: Mortgage

citi mortgage perpetrated loan modification fraud on me ... .they added XXXX dollars to my principle for no reason ... ..they said sign this ... i said no ... they said it doesnt matter, we implemented it anyway ... .they then forged my name and sold it to XXXX XXXX ... ..WHY CANT YOU DO SOMETHING ABOUT THIS??????
Product: Bank account or service

I made an ATN DEPOSIT inside a Chase. Bank to a Chase account. I made the deposit in denominations of XXXX seconds, tens, fives, and was credit with only the twentys but XXXX of the tens and fives. The shortage of {$620.00} was reported to the Manager who called Customer Service. I was told that the credit would appear in 2 to 3 business days. I was making the deposit to cover a XXXX charge of {$1500.00}. I deposited another {$620.00} in my other chase account and electronically transferred it. The problem started when CS made the decision that the money was deposited into the wrong account although there was almost 2 hours between the ATM not recording my deposit and the second deposit to balance my account. I explained this to the young lady in XXXX plus her Supervisor who could not tell me when the machine was calibrated or checked for error. I was told by the Manager at the branch that the Technician had not serviced the machine. The CS person kept asking me why did I make the same deposit on that day. I was covering a XXXX payment. This situation has been going on for 3 months with no third party verification of checking the ATM.
Product: Checking or savings account

On XX/XX/2022 two debit card transactions were made with XXXX XXXX XXXX that had no relation to us. The transaction descriptions are as follows : XXXX POS PURCHASE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$420.00}, and XXXX POS PURCHASE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$110.00}. Both transactions were noticed before they were completed, the bank was contacted immediately, and the account was put on hold. All other accounts were also put on hold immediately, and all debit cards were cancelled. We verified with XXXX XXXX XXXX directly and confirmed that neither of the charges were related to us. A quick XXXX search shows that this is an extremely common fraud method that has happened thousands of times to others, in exactly the same way. After investigation, the bank explained that we have no ground to stand on, and that the charges would not be reversed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXXXXXX XXXX XXXX, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years, I have been trying to get items that do not belong to me removed off of my Equifax and XXXX credit reports. With XXXX, in order to dispute items on my report, I have to go through the process of contacting their customer service center in order to get rid of items that do not belong to me, but when the results come back, these items most times would never disappear, and it they do disappear, they would reappear within a month or so. With Equifax, I would have to dispute the items that do not belong to me through XXXX XXXX, but recently, when I choose to dispute these items, I am rerouted to Equifax 's website, where they ask for my personal information. Once I enter in the personal information, then I'm asked a series of questions that pertain to accounts that I may or may not have. Once those questions are answered, the window would state that Equifax is unable to process my request at this time, and I'm unable to check previous dispute results because of the same reason. Equifax and XXXX are making my life a living XXXX with keeping items on my credit reports that are not mine as well as OLD items ( 10 years old or older ) on my credit reports that are not mine. On the XXXX report, there's an item that does not belong to me that appears TWICE on the report. I need for these items that do not belong to me to be removed once and for all.
Product: Credit card or prepaid card

I had an HSBC Premier World Elite card until it was closed and converted to a HSBC Cash Rewards credit card in XXXX ( which has no annual fee ). I did not convert this card, HSBC USA did. However, I was charged an annual fee for the Premier World Elite card of {$390.00}. When my card was converted to a the Cash Rewards, I phoned in XXXX and talked to an agent and they advised me I would get a refund for the annual fee. I called back after 30 days only to find out nobody had any record of this conversation nor knew anything about conversion of bank accounts/credit cards that recently transpired in the XXXX. I have called numerous occasions asking about my annual fee refund, but unfortunately have been given the run around. So many of the agents say they will " escalate '' this and call me back. No one has ever called me back. In fact, this week alone I have called three times and have logged a almost 3 hours on the phone to resolve this issue. Why is HSBC stealing my money? I paid for the annual fee for card and benefits that no longer exist? Please give me my money back. This is a crooked business practice, HSBC. Do the right thing.
Product: Mortgage

My HELOC payment is due on the XXXX  of every month. It should be calculated about 25 days before it is due. My XXXX payment is still showing {$0.00}. That can not be correct because I am carrying a balance of {$34000.00} so I should owe roughly {$350.00} each month depending on interest rate. This is shellpoints error that they will later try to hold me accountable for ( I.e. doubling my payment for the following month which will be a struggle for me to cover. I called Shellpoint and spoke to someone twice this week ( XX/XX/XXXX and XX/XX/XXXX ). I was given no information in the first call ( XX/XX/XXXX ) and she stated someone would call me back in 24 hrs. That did not happen. I called back a second time ( XX/XX/XXXX ) and still got no answers. I need my payment calculated so I can pay it before the due date of XXXX. This company has had my HELOC for 4-5 mos and theyve screwed up my payments every month except last month.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry. According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.
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. 

Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX money # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : 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 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: Money transfer, virtual currency, or money service

in the month of XX/XX/year>, zelle transferred around XXXX to the wrong user and would not refund me my money, i contacted the companys customer service but they could not give me the service i requested in order to refund me as they stated that once money is sent they have no responsibility or liability. this is ridiculous as they have no fraud protections set in place for these types of situations.
Product: Debt collection

I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the creditors which say they do not have any of my information i have contacted the credit bureaus and they will not remove it the inquiries on my credit report that i did not authorize
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent an ACH payment to my daughters account at XXXX  XXXX from my account at US Bank. This payment was to be for a deposit to her IRA. My understanding is that she could only accept {$5000.00} for an ACH, so the payment amount was {$4900.00}. After several days, the ACH had not gone through, but the payment had posted to my US Bank account. I called XXXX XXXX, and they needed the ACH Trace ID to find the transaction. I have called US Bank many times over the past 5 weeks, and the Fraud Department keeps submitting a dispute to their disputes department, because they admit that the required Trace ID was never given to the ACH transaction, and they can not track the funds. After going back and forth, today I spoke again with the Fraud Department, and they resubmitted the dispute again. Meanwhile, no funds have been transferred to XXXX XXXX for over 5 weeks. US Bank needs to provide me the mandatory Trace ID for both the transmittal of the ACH, and the receipt from XXXX  XXXX, so that XXXX XXXX can find the payment. I do not believe the payment was ever sent, which is a sentiment shared by some of the people I have spoken to at US Bank.
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 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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: 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 dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a prepaid debit Visa gift card for {$75.00} as a XXXX gift. My sister-in-law included a copy of the receipt. She purchased it from XXXX on XX/XX/22. 

It is issued by XXXX XXXX. I activated the card and set a PIN. The card has not worked at any stores that I've tried both online and in person. I called and was told the first time that it hadn't been properly activated and was now fixed. I called again when the card failed to work and was told that it would work in 20 minutes after it was reactivated. I called yet again when it didn't work to request a new card and am now being told that my card was flagged for fraud and that if I want to use it I need to fax a copy of my driver 's license along with the card to " prove '' my identity. I asked to speak with a supervisor and was denied by two different call center employees. I find this preposterous. It's a prepaid Visa gift card that I should be able to give away if I want to. 

I was told to fax or send my information to the following : fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Wells Fargo home mortgage has contacted me two times looking for another person. I informed them on XXXX/XXXX/2016 that I am not that person and to remove my number from their contact list. They asked me to give a message to that person which is a violation of the FDCPA. I was contacted again on XXXX/XXXX/2016 by Wells Fargo home mortgage looking for the same person. I again informed them that I am not that person and to remove my number from their contact information and to not call. The 2nd call is a violation of the FDCPA.