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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

My credit card was fraudulently charged by XXXX via XXXX on XX/XX/20 for {$210.00}. I can not connect with XXXX to file a fraud claim since I don't have a XXXX account. I disputed with my bank - Chase, however Chase said a tracking number indicated something was delivered to my address. I or anyone I know never placed any order with XXXX nor did I receive anything from the company. I requested Chase provide detail order info regarding the fraud charge and supervisor call back. However I simply got a letter indicating that the charge was valid without any order info. I tried to call the number on Chases letter to reach the fraud department however the phone line is not taking any calls. 

This is not acceptable even due to shortage of staff during the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never late I have sent 4 letters without a response XXXX XXXX XXXX Negative Negative Negative open, installment, collection, past due, assigned to attorney, collection agency, or credit grantor 's internal collection department, seriously past due XXXX XXXX XXXXXXXX Negative Negative Negative Was 30 days late XXXX time ( XXXX ). Was 60 days late 2 time ( s )., revolving,30 days late,60 days late XXXX XXXX XXXXXXXX XXXX XXXX Negative Was 30 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX )., XXXX days XXXX days late, delinquent, past due XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 30 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX )., revolving, settled,30 days late,60 days late,90 days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late XXXX time ( XXXX )., Was 30 days late XXXX time ( XXXX )., revolving,30 days late Please remove the accounts from my credit report
Product: Mortgage

XXXX XXXX XXXX and XXXX XXXX both told me they did not run a report on the borrower so i sent and paid for my earnest money and survey, plus appraisal wait never mind they both said they never do that so i have a doj lien that i showed was not mine with all my ID theft, Police report and they still refuse to do my loans i feel like i'm getting the old fashion crying about my race but keep in mind several huge company were sued b/c of this LIKE XXXX i just want the house and provided the documentation that was needed
Product: Credit reporting or other personal consumer reports

I submitted detailed dispute letters to XXXX, Experian and XXXX on XXXX, XXXX, XXXX. About a negative account. 
In stark contrast to their actions XXXX on XXXX. Upon receiving the same documentation, promptly investigated and corrected the issue, updating the account status to " Repaired ''. Thereby, accurately reflecting my credit history. However, both XXXX and Experian have failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ). They continue to report this account inaccurately, which is causing substantial harm to my financial standing. The failure to act is a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable into disputed information and correct or delete any inaccuracies within 30 days. Both agencies have failed to adhere to this legal standard.
Product: Checking or savings account

PNC has made changes that has prevents customers to be able to link accounts with 3rd party vendors. This change happens at the worse possible time at the height of the Covid-19 pandemic when consumers needed to access money in contact-less ways. 

I needed to transfer money in and out of XXXX so that I could pay people for services. Unfortunately, right when i needed this, PNC made changes that would not allow this to happen. I called to complain about this and voice my frustration. 

Now I am trying to link my account to XXXX so that I can collect rent payments and it is not allowing me to do so. I received an error message from XXXX saying that PNC has made changes that prevents being able to link accounts.
Product: Credit reporting or other personal consumer reports

Creditor Name : Jefferson Capital System Account Number : XXXX Date of Charge-Off : XXXX, XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I, XXXX XXXX was informed via email that my XXXX driver account had been deactivated due to fraudulent behavior. However the company has failed to provide me exactly in what way or how fraudulent behavior was evidently determined. The main issue with this is the lack of communication and transparency provided amongst the business. XXXX does not have a direct form of contact to the department that handles deactivation appeals. I have attempted to appeal but I have told I have to give a reason for reconsideration. However the tricky part with this is how can I dispute or appeal something when I have no knowledge of what was done. My appeal was then denied and as stated prior I cant get in touch with anyone who can give me more information regarding this. I am expected to wait XXXX days to submit another appeal and by doing so I could then communicate with the department handles it. However, waiting XXXX days on something that relied on substantially financially is a big problem. I wholeheartedly believe there has been a major mistake and the company refuses to evidently provide me with any information regarding my deactivation. In the email informing me of my deactivation it states due to continued, repeated instances where you did not proceed to the customer-designated dropoff location causing the order to be cancelled. However it fails to mention or consider that in order for an order to be cancelled the driver must undergo certain procedures and protocol to cancel an order ; Meaning in order for me to cancel an order i first have to speak to an agent who then calls the store and decides if the order needs to be cancelled or what further action needs to be taken place. If orders have to be cancelled outside of my control then how is that a basis for fraudulent behavior? XXXX drivers are received half pay compensation for any orders that need to be canceled to compensate the drivers for their gas and time it takes to get to the store or restaurant. I feel Ive been wrongly discriminated due to XXXX not wanting to repeatedly compensate me for orders having to be cancelled outside my control, so in order to save themselves money they deactivated my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 at XXXX XXXX I placed a Sell Order for .XXXX Ethereum for a total ( USD ) XXXX according to the Order Form. After having Placed the Order I received only ( USD ) XXXX. Please see the attached photographs as evidence and proof.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Midland Credit Management has violated my rights. 
XXXX XXXX were the original creditors that sold my info/account 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer reports '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Never did business with this company to owe them a debt, they purchased my personal private information without my knowledge or consent.
Product: Vehicle loan or lease

I was attempting to get a loan with TD Auto Finance at the recommendation of my dealership. I was trying to purchase a new XXXX XXXX with XXXX XXXX in XXXX, TX. TD Auto Finance had already pulled my credit successfully and were trying to verify who I am by using my phone number ( something they say they have to do with a 3rd party software ). The software gave them an error and they were unable to verify my identity after doing a hard inquiry on my credit. Neither they or the dealership was able to provide me with answers. Shame on TD for doing a hard inquiry and not being able to proceed with the loan. I even asked for a manager or supervisor and was told that was not an option. It isnt fair that as a consumer my credit is damaged from a company I am trying, and fully qualified to get a loan with, for them to simply turn me away due to an error with their system. Their customer support is nonexistent and I am very disappointed in their response. The dealership is recommending I reapply with another bank which isnt fair to me because that results in another hard inquiry into my credit. The number I was given to contact TD Auto Finance is XXXX, option XXXX. I was instructed to ask for a bank interview with an underwriter. I have had my same phone number for 15 years and never had a different cell phone number. Why they insist on using a phone number verification I am not sure. But it seems like a poor system to do business with qualified people.
Product: Credit reporting or other personal consumer reports

my credit profile is reporting inaccurately and some accounts are fraudualy opened needs to be deleted there are thousands of people with my name or same information please delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/20 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything from these accounts such as money, goods, services or any other benefit from these accounts that were opened without my consent ; I never made any payments or purchases with these accounts and I have already filed a police report.
Product: Debt collection

I expressed to the debt collector who initially called me about a payday loan that was taken out in my name that i thought it was a case of identity theft and that i requested papers to be sent to me through mail and I have yet to receive them. She transferred me to another person ( male ) who said " looking at your file, it is apparent you dont pay any of your bills '' and cursed at me and hung up on me. All of this when i was just trying to calm him down from being rude. I told him that wasnt neccessary the way he was speaking to me, and this man hung up on me before i could get any other information.
Product: Debt collection

In Virginia, the statute of limitations for traditional debts that most people worry about ranges from three to five years for most types of debts, including credit cards, mortgages, auto loans, oral debts, and medical debts. 
Auto Loans : 4 years ( from sale of repossession ) Its important to note that the statute of limitations clock begins ticking from the date of the last activity on the account, such as the last payment made or acknowledgment of the debt. If no activity occurs for five years, the debt may become time-barred. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Sent court papers to address I hadn't lived at since 1999.. 
XX/XX/2019 date of judgement For XXXX Garnished my wages with out my acknowledged till work told me... 

XXXX XXXX XXXX XXXX XXXX  went bank rupt. So not sure why being Garnished by what law states
Product: Student loan

Servicer Reported late but I have proof payments were made those months. Servicer refuse to update and reporting late. I have attached proof if payments for the period they claim I am late.
Product: Checking or savings account

Wells Fargo Line Of Business Escalated Complaints Acknowledgement & Case Manager Introduction Thu, XX/XX/2020 XXXX XXXX ( XXXX XXXX To : you Details Dear XXXX XXXX, We wanted to let you know that we have received your inquiry, and our research team expects to provide you with a resolution within 10 business days from XX/XX/2020. 

As part of researching your concerns, we may be reaching out to get more information but were here to help with any questions you have along the way. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, we can be reached at XXXX from Monday through Friday, XXXX XXXX. to XXXX XXXX. and Saturday, XXXX XXXX. to XXXX XXXX Mountain Time. 

For reference, your case number is XXXX Thank you. 
We appreciate your business. 

Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC I have made several phne calls to Wells Fargo and tried to resolve the issue. They do not call me back and do not even email me. I was hung up on a call today XX/XX/2020. I have a XXXX retirement account with Wells Fargo and attempted to set up an online account to access it. The person who originally set up account was ok. My quarterly by mail paperwork that comes from Wells Fargo Retirement Services suggested to open an online account to access up to date information on this account. I did so. It also talked about 2 step authentication for added security. When I attempted to set up 2 step authentication my account got locked.It has been 3 weeks and employees at Wells Fargo I have spoken to do not know how to fix problem. They tell me I must visit a branch to resolve issue. I worked for XXXX and they have hundreds of employees all over XXXX XXXX in states with no Wells Fargo Banks. Are all of us not going to be able to access our accounts online? All I asked them to do is unlock account and help get 2 step authentication set up and they don't seem or are unwilling to do so. This is the worst bank I have ever dealt with in 40years of banking. They have very unprofessional and ignorant people who can not properly give excellent customer service. They closed my last case above saying I need to go to a branch to get it resolved.Lowes should consider replacing Wells Fargo as there Retirement Account Manager.
Product: Credit card or prepaid card

Today XXXX is the XXXX time Citibank has notified me of what they call a potential fraud on XXXX or more of my Citibank credit cards. They put a hold on my accounts & I'm required to re-register my cards ( I have XXXX accounts ). They can not or will not identify what has caused the fraud notification & my investigation does not show any fraudulent transactions. I can only conclude that their fraud identifying algorithm is too sensitive. These situations take me away from my work & cause me to loose valuable time ( XXXX XXXX XXXXXXXX XXXX  ) from work and it causes undue stress for no reason at all. 
I hope you can help me & others with this situation. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXXXXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with HSBC. Their advertisement even today on XX/XX/XXXX on their web site stating " Rewards with no limit or expiration ''. All my points worth {$910.00} as of XX/XX/XXXX are no longer there. I want the money back. Please help me
Product: Debt collection

My auto loan account was purchased by XXXX XXXX in XXXX  This debt is in the process of being resolved by way of Arbitration. I have mailed the documents to this agency along with a Demand Letter. This original debt was with an Unlicensed Lender in North Carolina that charged an APR rate of 28 %, which is an illegal Usury amount in North Carolina. I have obtained a lawyer to assist with this process.
Product: Money transfer, virtual currency, or money service

XXXX  has taken thousands of dollars refused to change email and password for me after my password phone and such were stolen. I sent the police report and documents to no avail. Cashapp also denied my XXXX dispute from the robbery.