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 U.S.C. 1681. 

Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX, Account 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/year> I made a pay anyone of {$100.00} to my friends mobile phone number the same way ive done before with other friends. Instead of the usual text message they receive, I received a notification with a chime tag that had received my money. I immediately contacted them and they said it could take up to 45 days to get the money back and if it was needed they would credit my account the 100 %. That same day I received an email saying my claim was denied. I contacted them again and they re opened my only to deny it again on XX/XX/year> the next day.
Product: Checking or savings account

Bank of America randomly closed my account. I had no knowledge of this happening or that it was even going to happen. If I would have been notified, I could have took the necessary precautions to make sure I received MY MONEY on time, and paid MY BILLS ON TIME! They will not provide ANY reason whatsoever as to why the account was closed. They have held my money for over 5 days. I am completely in THE DARK, as to what is going w the account, what I did, where my money is, and when its coming. This forever will be the worst bank I have ever dealt with. I have rent, bills, and insurance to pay that I have defaulted on due to this issue. I have been denied access to MY MONEY that I HAVE earned via my job. I have had my lights cut off, my internet to work cut off, and more due to this inconveniencing issue. They denied my request to go to the actual branch and withdrawal my money after proof of identity. They have hung up on me numerous times. They have argued with me. No one will help. This is absolutely unbelievable. It is unprofessional. If you ask me, it's also inhumane to treat people this way and do things of this nature during a nationwide declared pandemic.
Product: Debt collection

I have repeatedly contacted ELAN FINANCIAL SERVICE to dispute an inaccurate debt they are reporting as belonging to me. I have requested verification of the debt on several occasions and the company has refused, saying they do not need to verify anything with me. I requested they only contact me by mail and to provide a verification of debt as recently as XX/XX/XXXX by calling them at their listed contact of ( XXXX ) XXXX and again was refused verification. I have disputed this with XXXX and XXXX, where I was informed that they don't actually require any documentation of the debt to confirm it's legitimacy, they just rely on the company stating the debt is verified. All my disputes are marked as debt confirmed but have no documentation attached. I believe this is a wilful violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Vehicle loan or lease

I have requested a 1099-c for this debt and have yet to receive it from westlake financial XXXX
Product: Credit card or prepaid card

Today XX/XX/19 I attempted to make a purchase at XXXX for {$2.00} and get {$100.00} cash back. My transaction was declined in the store. I checked my balance on their app and it still showed {$210.00}. I went to another register. Attempted to purchase {$5.00} worth of stuff with {$100.00} cash back and was declined I tried again and was declined I went to the ATM and was giving a message about reaching my daily limit. I then get an email saying the previous XXXX declined transactions were completed in my account and my funds were taken although I never competed any purchases. This company doesnt have live customer service. I was trying to buy groceries for myself and my XXXX daughters. Needless to say I was on able to buy the groceries. I also needed to pay for my laptop that is in the pawnshop today by XXXX XXXX that now has not been done that was the reason for me trying to get cash back. After sending several emails trying to get help all I was told is it will take XXXX hours. Now after waiting several hours I still do not have my money nor has the company provided an XXXX as to when the funds will be returned they took my last money and I need it back immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Trade Commission Consumer Response Center XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2021 To Whom It May Concern : This letter is a formal complaint against XXXX, Equifax and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. 
1. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law.

2. there are two accounts, in particular which they just refuse to investigate, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 
XXXX. I've actually disputed with XXXX  XXXX and XXXX XXXX several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX And I've sent every piece of proof that both XXXX and XXXX and Equifax could possibly need to correct this erroneous information on my credit report yet they refuse to do so. 
That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them. 
I'm well aware of the thousands of other complaints against these agencies on a daily basis. So my question is, where does it stop? And does your commission know about the feature they have in their " electronic verification process '' known as a " reply all '' function which allows the creditor to verify an account without ever even looking at it and/or investigating it? It's right on their website! And if you do know about this, how in the world can you justify it?! Please investigate the credit reporting practices of this company. I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that REQUIRE them to remove the disputed accounts in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CER STS REC XXXX
Product: Credit card or prepaid card

Barclays Bank issued the XXXX XXXX Credit Card, which includes a benefit for up to a {$50.00} statement credit for online subscription services after spending {$5000.00} or more on the card per cardmember year. My cardmember year starts on XX/XX/XXXX and end on XX/XX/XXXX, the next year. I've spent more than {$5000.00} during the XXXX cardmember year, with {$44.00} in approved subscription services XXXX XXXX, XXXX XXXX XXXX. As of XX/XX/2019, 45 business days after the end of the calendar year, XXXX has only issued {$14.00} as a statement credit for those subscription services. They are missing {$30.00}. I have tried resolving this issue directly with XXXX four times, one via phone and three times via secure online messaging. They have not agreed to issue any statement credits.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft i have some inaccurate on my credit profile. I will like to put a security freeze.
Product: Checking or savings account

On Saturday, XX/XX/XXXX I noticed a fraudulent debit pending in my checking account. I reported the transaction to Wells Fargo 's Fraud Department. It appeared that someone had paid a bill online using my checking account information. Wells Fargo advised me that it could have been the result of transposed numbers and that they would reverse the debit. On Tuesday,XX/XX/XXXX, additional fraudulent debits hit the account, similar to the first one. Wells Fargo closed the account and did what they called a " lost/stolen transfer ''. I was told that they would not allow any new fraudulent electronic debits to post and received an email with a list of previous electronic debits that were not fraudulent that they said they would allow to post. I began to use the new bank account, but on Friday, XX/XX/XXXX, received an email that my new account was overdrawn. I immediately called Wells Fargo and was told that they had allowed at least one more fraudulent debit to post. I was told by the Wells Fargo agent  that they should not have done a lost/stolen transfer, but closed out the account altogether. On Saturday, XXXX XXXX, Wells Fargo opened a third account for me. I was also advised that they had paid two more fraudulent debits. The second account remains in negative status, is assessing overdraft fees and only the first fraudulent debit was reversed. I was told on Monday, XX/XX/XXXXthat it would take 7-10 business days for Wells Fargo to process the fraud claim and refund the money to my account. However, the remaining fraudulent debits occurred as a  result of the fact that Wells Fargo allowed the transactions to post after they were notified about the fraud and had advised me verbally and in writing that they would be rejected. I 've spent over eight hours of billable time trying to resolve these issues and, as such, it has affected my business and my clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the attached report. I am a victim of identity theft and did not make these charges. This is an ongoing issue that is affecting my credit health. I ask that the items be deleted as fast as possible to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should NOT be furnished on my consumer report as they are in VIOLATION!!! 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 under 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. 
Fraudulent & Harmful / Negative Accounts XXXX - Account # : XXXX Account Opened : XX/XX/XXXX LATE PAYMENTS REPORTING XXXX Account # : XXXX Account Opened : XX/XX/XXXX LATE PAYMENTS REPORTING XXXX XXXX  - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$5700.00} CONTINUED ON NEXT PAGE XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3000.00} XXXX XXXX XXXX  - Account XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3200.00} XXXX XXXXXXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3000.00} XXXX - Account # : XXXX Account Opened XXXX XX/XX/XXXX Balance Reported : {$1400.00} XXXX XXXXXXXX - Account # : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1500.00} XXXXXXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$2500.00} UNAUTHORIZED INQUIRIES CONTINUED. 
Inquiry Name - XXXX XXXXXXXX Auto Financing Inquiry Date - XX/XX/XXXX TransUnion Inquiry Name - XXXX Auto Loans Inquiry Date - XX/XX/XXXX TransUnion Inquiry Name - XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry Date - XX/XX/XXXX XXXX Inquiry Name - XXXXXXXX XXXX Savings and Loan Companies Inquiry Date - XX/XX/XXXX XXXX Inquiry Name - XXXX Auto Reseller Inquiry Date - XX/XX/XXXX XXXX Inquiry Name - XXXX XXXX XXXX Bank Credit Cards Inquiry Date - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. Validate Account XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a US Bank ReliaCard to access my unemployment benefits from PA and US Gov't ( even though I've consistently requested a Direct Deposit with each weekly unemployment claims ). I filed my original claim on XX/XX/2020 and haven't had ability to access my funds since. The delay in receiving my card was beyond believable. 

I can not access their website, even when I use the credentials I specified. NONE of my security question answers work, and even though the card is activated, I can not access my User ID and Passcode. 

I've reached out to US Bank consistently for 2 weeks and have not been able to connect with an agent once!!! I am regularly on hold for over an hour. My last attempt resulted in waiting on hold for 1.5 hours, only to be hung up on. 

I have no way to access over {$19000.00} in unemployment funds. I can not even request a PIN on my card since they will not verify my identity. This has been This is completely unacceptable and the fact that my funds were supposed to be direct deposited into my DDA, and instead I was issued this prepaid debit card ( which requires me to pay FEES every time I want to access or transfer funds ) smells like an UDAAP issue to me.

I'm sure this issue has come up during your quarterly meetings with their Head of Retail or Head of Payments, correct? Have you been  monitoring their call volumes, AHT, and call abondment rates during COVID?

Regarding the State of PA, I have evidence of repeated demands to have my funds direct deposited to no avail.
Product: Debt collection

I filed a previous complaint regarding M.A.R.S. Inc and XXXX XXXX XXXX with this agency regarding the false reporting of a collection account to the credit reporting bureaus. I also attached court documentation. Since this agencies decision, we again went to court due to XXXX XXXX XXXX  not paying the judgment against them in my favor. This was a small claims judgment in XXXX County KS # XXXX on XX/XX/17 for {$490.00} plus court costs and fees. The judge ruled that they were not to offset this amount on what they " claimed '' I owed them as I owed them nothing. However, they have continued to report this as a collection account in the amount of {$880.00}. They originally were reporting this collection amount as {$1400.00}. They even verified this debt to the CFPB during the original investigation stating this amount was verified by XXXX XXXX XXXX   as correct, when they knew full well that it was not. I sent M.A.R.S Inc all of the court documentation and they continued to knowingly report a fraudulent account.
Product: Debt collection

I have received several phone calls from an unknown number. Several times tried to reach out to the caller to find out what the calls were about. the calls were always late at night or even in the late evenings. Today as of XX/XX/year> I answered a call from ( XXXX ) XXXX who claimed to be a debt collector, from a " Credence Resource Managment, '' a so-called debt collection company. He made false statements and was unprofessional. I have never seen any mail or calls from the company XXXX so I doubt this accurate. I asked for an itemized list and he refused to mail it. He and his company have no proof of this debt, I would like this to be looked into by your agency. This is my first consumer complaint, please contact me if you need more information. XXXX bless and thank you. - XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXXXXXX Account # : XXXX and Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX and Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX and XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX and XXXX XXXX5 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: Mortgage

This complaint is an additional complaint f

rom the two previous filed complaints. In regards to the timeline Mr. Cooper provided, I would request a call log and recording history be reviewed regarding our mortgage. 
As of XX/XX/XXXX, we personally made SEVERAL phone calls to Mr. Cooper to follow-up regarding the status of our account in order to resume payments since Mr. Cooper took over the loan during the partial claim transfer. During this time, we were told that MR. COOPER would be sending us NEW partial claim documents that would be in the name of Mr. Cooper instead of our previous service provider. We were originally told that Mr. Cooper would not be able to accept any of the document addressed to XXXX, the previous loan provider. XXXX also told us to wait on sending in the partial claim documents since Mr. Cooper would need to send new ones and since XXXX transferred the account, there was no need for the documents to be sent to XXXX. 
After a few weeks of no status change, a different representative told us to go ahead and mail the original partial claim documents to Mr. Cooper anyways in hopes to speed up the approval process. During this time, we attempted several times to make payments on the account. As stated in the last claim, the documents were successfully mailed and received in XX/XX/XXXX. Due to this lengthy approval process, we were informed that the partial claim would now extend for the month of XX/XX/XXXX and payments would resume as of XXXX. 
At no point during this approval process did Mr. Cooper contact us and notify us of UPDATED payment amount due.