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 USC 1681. 

Account name : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX Bankruptcy Reference # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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: Credit reporting, credit repair services, or other personal consumer reports

The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

Between XXXX I made bill payments to multiple companies. On XX/XX/XXXX I made a payment to XXXX XXXX for {$550.00}. On XX/XX/XXXX there were a total of 3 separate payments to XXXX XXXX XXXX XXXX. One of these payments was fraudulent and posted to my Wells Fargo account. 

The next day on XX/XX/XXXX the payment I made to XXXX XXXX posted to my account and caused my account to overdraft. I talked to XXXX XXXX and they returned the accidental payment of {$420.00}. However due to Wells Fargo 's bad accounting practices, when the money was returned my account was in the negative and only {$95.00} was made available to me. I confronted Wells Fargo about this on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I talked to them over the phone about the issue and on XX/XX/XXXX I went to my local Wells Fargo bank to address the issue. This shouldn't have happened because I specifically set all my accounts to decline ALL transactions if I have insufficient funds. Meaning Wells Fargo 's accounting was bad. 

Wells Fargo claimed that the missing money from their bad accounting was not their liability and everything posted how the financial system normally works. I disagree. I can not control Wells Fargo 's bad accounting but I can control where I put my money. 
I have literally just watched Wells Fargo launder money.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 at XXXX XXXX  EDT, I received a call from XXXX. The woman calling said she was with XXXX & XXXX ( who appears to be a debt collecting company if we are to believe their website ). She asked me to confirm whether XXXX XXXX XXXX XXXX has passed away. As this is my father and he did recently pass away, and as my brother and I are managing his affairs, I said yes. Then she asked if I was the executor for my dad, and I said no, that's my brother. She started asking for his information. I asked her point blank who she's representing and what this is about, but she made it sound like some laws prevented her from giving any further details to anyone but the executor. She immediately said, " So what's your brother 's phone number? '' to which I reflexively gave it to her, then immediately regretted it and went to warn my brother. 

About a week later ( XX/XX/2023 ), they had somehow obtained my brother 's mailing address as he received a letter telling him to contact them as they are seeking the executor on behalf of their client, whom they still did not disclose. ( I have attached an image of that letter to this complaint. ) Two days later ( Thursday, XX/XX/XXXX ) I received an email from them telling me to get in touch about the issue. ( I have attached a copy of this email to this complaint. ) My email app suggested that the email was part of a mailing list and gave me the option to unsubscribe, which sounded fishy. Also, my brother and I had already been managing my dad 's affairs been extremely efficient and proactive about managing our father 's affairs, so it seemed fishy. 

I just googled their " XXXXXXXX XXXX XXXXXXXX '' and the word " scam '' and found numerous 1 star reviewers of this company on the XXXX XXXX XXXX website suggesting the same pattern of scammy behavior with other folks who recently lost a loved one : ( XXXX XXXX XXXX ). 

I suspect I hope you can go after these folks and shut them down- this is the ultimate unethical behavior - preying on people who have just lost a loved one - despicable!
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIATELY! d
ue to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card or prepaid card

Citi closed my credit card account as of XX/XX/2020. I believe my account had XXXX Thank You points at the time of closure ( per my last bill statement ). Citi is not allowing me to use these points of mine. Per Citi 's letter, it states that the points are immediately forfeited and are unavailable for redemption. I do not understand why they will not let me use the points I earned. All my purchases were legitimate and made by me, and I paid all of my bills on time. I did not do anything illegal.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I used XXXX  to send money to Coinbase to purchase a cryptocurrency ( XXXX  ) the transaction went thru on XXXX  side and my coinbase account showed the money being transfered and being used to purchase the XXXX. However Coinbase never credited the XXXX to my account. I followed their customer support instructions but rather than crediting my account they keep closing the compaint. I have tried countless times to contact them both their their website and on social media. based on complaints on coinbase XXXX on XXXX  this has happened to numerous people. 
Basically coinbase has stolen money from people. earlier today ( XX/XX/XXXX ) they send me another message closing my support ticket claiming its been reseolved except it hasnt and teh XXXX is still missing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this company 3 times with the credit bureau and filed a previous report with your agency. This company had listed these 5 accounts as included in bankruptcy which is ruining my credit. These debts were actually included in a WI ch XXXX amortization of debts and the debt is almost paid in full. In my previous dispute with your agency the company responded that this XXXX plan was a WI bankruptcy alternative rather than a bankruptcy and the trade line would be removed from my and my husbands credit. It has been a few months and the debts are still showing as bankruptcy causing our credit scores to remain low.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit file I recently reviewed a collection reported by XXXX XXXX XXXX XXXX. Transunion has allowed this erroneous collection to report to my credit file. In pursuant to the FCRA section 609 (  A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Transunion. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Transunion consumer file. All information in pursuant to the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : TXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : Item # XXXX XXXX XXXX # XXXX I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Reason for Deletion This account is inaccurately reporting late payments. The original balance is {$0.00} and over the life of the account the balance remained {$0.00} until the account was It is impossible to have a late payment on an account with a zero balance.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. 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. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL, XXXX Social Security # XXXX
Product: Checking or savings account

I was trying to get a loan so they sent me some money to my checking account I took it out and fifth third bank calls and said they think it fraud. I didnt have the money anymore it went for personal use thats why I needed it. Now my credit is bad and I owe the bank I got scammed and the bank says I have to pay it back
Product: Mortgage

Freedom Mortgage has held my mortgage for a number of years. In 2020 they offered to lower my rate so I refinanced and the loan closed in XXXX. The property consists of two lots that were both part of the original loan and the new loan. Both the original and new loan included an escrow account for taxes and insurance. On XX/XX/XXXX I received a notice from the county indicating the property taxes on one of the lots was delinquent and accruing additional fines. Freedom Mortgage had requested and received tax statements for both lots but had only paid for one. I immediately emailed Freedom Mortgage with the issue including attachments of all documents. I subsequently called their help line on the first business day to report the problem. Since my initial contact with them I have repeatedly emailed them all documents and have telephoned their customer service line at least twice. Each time I have had to repeat the details of the problem over again as though there was no record of my original claim. I have received several auto replies via email stating more investigation was necessary but I would have a response by dates that have both passed and my property tax remains unpaid. Freedom Mortgage must pay my property tax from my escrow account and are responsible for any additional fines that have accrued.
Product: Debt collection

On XX/XX/2023 I submitted a dispute to trans systems, who's trying to collect on a collection debt, that doesn't belong to me and and the debt i.was unaware of this debt until it appeared on my report, i was never given the opportunity to assess or dispute this before it was added and is reporting on my credit file, it has been over 45 days for them to work on my compalint, and they haven't removed this erroneous debt, I thought it was supposed to be 15 days!! Per consumer law 15 USC code 1692 g-validation of debt if you can not prove you notified me of this debt prior to adding this it needs to be REMOVED AS IT IS A VIOLATION OF MY CONSUMER RIGHTS.
Product: Bank account or service

Citi Bank has garnished my commercial escrow account without notifying me. Checks have been written and electronic payments authorized have bounced and no letter or notification have been sent to me after one week of constant inquiry with Citi Bank.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection and charge off with a PAST DUE BALANCE of {$10000.00} This is a violation of the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. As well as is in violation of 15 U.S Code 1681eb. The reporting party did not provide/send me a 1099c in regards to them claiming the debt to the IRS. The reporting company has reported to the IRS as well as on my consumer report they charged off the account. This is in violation as they have already claimed and received the remaining balance from the IRS.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer ; Account Name : Capital One Auto Finance Account Date : XX/XX/2015 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you
Product: Credit reporting or other personal consumer reports

It is my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL withPERMANENT DELETIONof these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolutions via court in my jurisdiction. 

Drawing from my research and complete comprehension XXXX nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX format fielded XXXX statements, pay status codes, alpha -/numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all or minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are eitherUNTURE, INCORRECT, INCOMPLETE, UNTIMELY, UNAWARE OF, NOT MY RESPONSIBILTY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed IMMEDIATELY, do so TODAY, even right NOW! The obvious infractions are listed below : XXXX XXXX : Account number : XXXX, How did you verify this account. 
XXXX : Account number : XXXX, How did you verify this account. 

COMPLIANCE EXPLANATION APPROACH : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. " Unless you provide testimony to facts are physically certified, this claim is unlawful to report.DELETE OR PROVEevery notation, date, balance, total XXXX XXXX, XXXX statement, identifier, and all XXXX XXXX  of confirmation, notes etc. '' As you are aware, Federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % corrections, 100 % completeness, 100 % timeless and 100 % in compliance otherwise every single item even each or all of the related regulations, mentioned or that if any or each item being reported is challenged for its legal reportability in which case and I am doing such, I demand as my legal rights allows that you follow the mandated as required by Data Furnisher to demonstrate in unabridged sufficiency of the facts exactly as composed and relayed to you. This includes substantial display of all law requisites such as proof of documented identity of the individual alleged as having ownership or proven responsibility of alleged accounts which are still unfounded claims in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acc

ordance 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. 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 informationisinaccurate.
Product: Credit reporting or other personal consumer reports

XXXX and Citi are still reporting that this credit card belongs to me. I thought we had successfully ended this the last time I reported it. It was removed and I had received a letter in the mail from Citi stating that they had no record of me on file, XXXX removed it for a long while after that. Yet I go checking my credit report today and lo and behold it's back! I'm not sure how they can claim I'm a unauthorized third party now, and claim that I owe them a debt for a credit card that I was only a authorized user of.
Product: Debt collection

Macy 's Credit Card issued a card to an old address and debt incurred was not made by me. After getting odd calls asking for me and then they would ask for customer identification info. When we ask to have a contact # back they gave the following XXXX # 's XXXX, XXXX which are neither Macy 's credit card customer helpline. After inquiring which company, they stated they were Macy 's XXXX XXXX collecting on debt. I contacted Macy 's Credit Card at XXXX and cleared the fraudulent charges with their fraud department. Afterwards, the XXXX continue 's to call every morning.