23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Repeated Cold Calls from " Discover '' offering to lower my interest Rate. 

I have not had a Discover account for years. 

I have repeatedly asked them to stop calling me ; but the calls continue. 

Most recent call came from XXXX on XXXX at XXXX AM CST My numbers are in the " Do Not Call '' registry
Product: Credit reporting or other personal consumer reports

I was involved in an accident. I reported it to Prestige Financial in XXXX XXXX XXXX Utah whom I received the loan through. Prestige Financial would not help me like they stated instead told the guy at the repair shop that they would help them sue me. I was going through a rough time. Prestige Financial has repeatedly lied to the credit report agencies about false balances. They have lied an stated that they was included in my bankruptcy and was not. They have threatened me that they are going to come and get me. Please view there reviews on XXXX and the XXXX XXXX XXXX I do not know how they know when my credit score increase because they will close and charge off a false balance and then reopen it again on my credit reports. XXXX has allowed them to repeatedly do this. I am beyond stressed with this company.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$20000.00}.
Product: Vehicle loan or lease

My information was used to obtain two different loans one from XXXX XXXX and XXXX XXXX XXXX. I have mailed in documentation to the financial institutions denial of financial responsibility forms signed by a notary. The companies have not stopped harassing me and they want me to pay for something associated with fraud. I have requested a contract with a signature that belongs to me and they have yet to produce one whatsoever. I have mailed to them proof that the debt and loan does not belong to me and they have not produced any validation of any agreement that verifies I have any loan or promise to pay XXXX XXXX or XXXX XXXX XXXX any financial responsibility.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit I came across unauthorized inquiries. Remove immediately. 

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: Credit reporting, credit repair services, or other personal consumer reports

Transunion is continiung to report closed accounts that are not permitted to be on my account because i never gave them permission to have my information in writing. This is identify theft to house my information without my written consent. They also didnt respond to my invoice for damages.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Money transfer, virtual currency, or money service

I work with several international contractors who prefer to be paid through Wise. 

I created a Wise account, which was immediately suspended ( I don't know the exact reason why, but I think I may have typo 'd my own birthday when entering it ). 

I spent XXXX months going through a lengthy " appeal '' process, in which they required me to take multiple selfies, upload passport and drivers license, write special numbers down and take pictures of those next to my documents, etc. 

After all of that, they said they decided to permanently ban me from the platform, saying they could not tell me why they made this decision and made it clear that it was impossible to appeal. 

I am now working at a different company which requires me to have access to Wise since it is the company 's preferred payment system -- I am however unable to access Wise because my phone number is connected to my old banned account which they refuse to release, appeal, or delete.
Product: Debt collection

I have never had an account with Portfolio Recovery Associates, I don't owe them any money, nor had I had a account with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I disputed Public Record information on my consumer report under FCRA requirements of 15 USC 1681 ( a ) ( 4 ) accuracy and fairness of credit reporting. Consumer reporting agencies have a GRAVE responsibility to report fairness, impartiality, and a respect for the consumers right to PRIVACY. However Experian refused to provide me with my rights as a consumer a method of verification. I then recorded a call with Experian on XX/XX/2021 and asked for their method of verification under the requirements of the FCRA, I was told that information was not available and I can dispute the error again. Which Experian did not reinvestigate, they just sent me the previous investigations results. Experian has broken several FCRA violations. Experian did not submit nor forward any of my documentary proof to any furnisher because XXXX  technology limitations do not permit authenticity of consumer documents and PRIVACY CONCERNS. I have taken on this investigation and I have proof that USBK COURT did not and does not sell information to data furnishers. However, XXXX XXXX does sell and purchases bundled data which is how errors get reported. XXXX XXXX admitted the error and removed the error. Experian NEVER INVESTIGATED my bankruptcy dispute which is a violation to my consumer rights. Please show your documentary evidence since you have it and its verified otherwise 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishings knowing there are errors.
Product: Checking or savings account

I got scammed from a person on XXXX  claiming to be an XXXX  XXXX. He is running a scam preying on sick people. I first heard of him from my grieving page on XXXX for women who are or have faced multiple miscarriages. His XXXX address and XXXX  number was provided so I contacted him via XXXX messenger on XX/XX/XXXX because I had just went through unexplained XXXX. He asked me for {$1000.00} to help cure my XXXX. I bargained and he agreed to {$250.00}. I send him the money through XXXX on XX/XX/XXXX. He immediately contacted me back saying he needs to send me stronger medication and asked for another {$500.00}. Again I bargained and he agreed to {$150.00} which I send through XXXX on XX/XX/XXXX. Then he said he has my package ready and needs me to send {$1000.00} for prayer. That's when I knew he was a fraud. He posted my package on instagram which had my personal information so others started calling me telling me he is a scam artist and that his medicine has made them sick. Others asked me if he is legit because he keeps taking money from them. I asked for my money back but he blocked me. I than reached out to my my bank which is Bank of America to reverse/retrieve my {$400.00}. They opened a claim number ( XXXX ) but then the bank got back to me and said they will not be able to retrieve the money even though it was a scam. 
The scammer 's info is as following : XXXX is XXXX XXXX  messenger XXXX XXXX. Or Email : XXXX His XXXX account through this : XXXX XXXX. XXXX  XXXX XXXX # XXXX. Checking acct # XXXX Account : XXXX XXXX Country : USA Amount $ Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny. XXXX
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS -- ( XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Last year, Santander Bank failed to pay my taxes from escrow. After going through that experience, with the assistance of the CFPB, they sent me a letter from their Executive Office saying this would not happen again and the CFPB complaint was closed. 

This year, the same thing happened. They did not pay from escrow, I received penalties and interest from the Town of XXXX, and had to pay the taxes from my own funds. 

I faxed the receipt from the Town of XXXX on XX/XX/XXXX to Santander. I have the cover letter and receipt, which I sent to Santander. I am submitting that information as an attachment to my complaint.

Santander has still not refunded my escrow for the tax that I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Checking or savings account

I opened my online banking app one day, the second week of XXXX I believe, And noticed that there were several transactions that werent made by me, but someone had access to my XXXX XXXX  Mounting {$50.00} each from states like XXXX  and XXXX that Ive never been to. I contacted Bank of America to file a claim, They declined my claim of over {$2000.00} stating that I permitted these transactions online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from XXXX and TXXXX. I have 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 and negligence 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 punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Product: Credit reporting

On XXXX XXXX 2015 I notified the credit bureaus that I was a victim of ID Theft and sent in police report, utility bill ( as proof of address ), ID Theft Affidavit, social security card and drivers license and requested the freeze. I sent certified to Experian and they signed for it on XXXX XXXX. I did not get a response. I resent all the documents on XXXX XXXX, 2015, and they signed for it on XXXX XXXX 2015. I still never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
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 : 1. XXXX Account number : XXXX, Account name : 2. XXXX, Account number : XXXX, Account name : 3. XXXX Account number : XXXX, Account name : 4. XXXX Account number : XXXX, Account name : 5. XXXX Account number : XXXX, Account name : 6. XXXXXX/XX/XXXX Account number : XXXX, Account name : 7. XXXX XX/XX/XXXX Account number : XXXX, Account name : 8. XXXX XX/XX/XXXX Account number : XXXX, Account name : 9. XX/XX/XXXX Account number : XXXX, Account name : 10. XXXX Account number : XXXX, Account name : 11. XXXX Account XXXX : XXXX, Account name : 12. XXXX Account number : XXXX, Account name : 13. XXXX Account number : XXXX Account name : 14. XXXX XXXX XX/XX/XXXX USA Account number XXXX Account name : 15. XXXX XX/XX/XXXX, XXXX Account number : XXXX 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 ms 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

I have been waiting since XXXX for Dispute XXXX to be resolved and on XX/XX/2023 XXXX responded to the chargeback request and money was returned to Chime but wasnt made available to me. When inquiring about the missing funds for the approved transactions thats had be charged back and the documentation for Dispute XXXX that they reopened and closed again on XX/XX/2023 after I sent further documentation showing I couldnt have made the charges they closed my account with no explanation and didnt provide any of the requested documents.
Product: Credit reporting

Transunion intentionally and knowingly reports different credit scores to lenders than consumers. 
Transunion has reported to me on XXXX different credit monitoring services credit scores that are XXXX point HIGHER than they reported to merchants when I recent applied for credit. 
This DUAL reporting system Transunion & other credit companies use causes consumers more money due to high rate loans and refuses for credit. I have been harm by several refusals for credit over the past XXXX days AND HIGHER interest rates for loans due to this FALSE reporting by Transunion.
Product: Debt collection

The collection agency XXXX XXXX XXXX ( original creditor was Comenity Bank ) send me a letter today stating that they will sue me, and take legal action towards a collection account. However, this account was deleted from my credit report on the three creditors : XXXXXXXX, XXXX and XXXX  since the account met the requirements from FCRA. The account was opened in XX/XX/2014 according to their records and the amount owed is {$2000.00}. I called them immediately to resolved the issue and they kept accusing me and harrasing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.
Product: Credit reporting or other personal consumer reports

I am restating my request for the elimination of inaccurate information and inquiries from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), with the specified removal timeframe not exceeding 4 business days. This matter has been previously communicated in my earlier correspondences dated XX/XX/2024 and is reiterated here, accompanied by my re-attached FTC report # XXXX. I urge you to proceed with the removal of the following items resulting from the alleged identity theft : 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: Credit reporting or other personal consumer reports

I been having problems with trans Union in freezing my credit report which left me susceptible to credit fraud. I have had my identity stolen due to their failure to protect my credit report.
Product: Vehicle loan or lease

Vehicle was repossessed by company. 
Company sent letter of notice to sell vehicle after XX/XX/23 if full payment not received before date. 
I accepted the offer and tendered payment in ACCORD AND SATISFACTION in the amount of {$11000.00} on XX/XX/23 using XXXX money order XXXX which was subsequently cashed by the company. 
Clearly prior to the deadline date of the notice.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding to inaccurate data on my credit report.
Product: Credit reporting or other personal consumer reports

I just looked on my credit report from TransUion on XXXX XXXX I saw some hard inquiries that did not have permissible purpose I also attached evidence XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how Experian violated my rights.
Product: Checking or savings account

In XXXX  at XXXX my husband uses a ATM from Bank of America in XXXX to make a deposit in my account. However, the ATM went wrong, and the deposit was no completed so do not appears on my bank records and also the ATM took all the money. Was {$47000.00}. We called the bank a lot of times and they instructed us to open a Claim Process, but however, we received the answer that it would not be possible to give us the money back.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''