23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, OH XXXX for incorrectly reporting an account that was included in my bankruptcy as a charged off account. The president of the company wrote back to the CFPB stating that my account had indeed been marked as included in bankruptcy even though he did not address the fact that his company would periodically change the remarks on the account and had not yet updated the reporting on XXXX and TransUnion. I then submitted disputes to both agencies regarding this account because I had spoken to an XXXX XXXX employee about a month after the president sent the letter, and she told me that they were not going to reflect my account as part of the bankruptcy. I have had no contact with the company except to dispute mistakes on my credit report so this account should have fallen off my credit report XX/XX/XXXX ( seven year mark ). All other bankruptcy related accounts have already dropped off. But every time my XXXX XXXX changes the reporting on my account, the date of last activity changes, and the date of removal is pushed back another year. In one day, my credit score dropped almost 100 points for negative activity that occurred in XX/XX/XXXX. When they update my account, it makes it seem as if the negative activity occurred recently not in XX/XX/XXXX. This account is scheduled to remain until XX/XX/XXXX; I asked both agencies to remove it citing the bankruptcy, and they did not. All they did was update the account as included in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported on XX/XX/XXXX {$0.00} -- Overview Reference Number XXXX Date Filed Reported on XX/XX/XXXX This is not showing correct info. BK was in XXXX not XXXX and should have been removed from report as it was over 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbersXXXX Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account NumberXXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account NumberXXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

Remove these inquiries. I lack knowledge about them, and the company did this without my consent.
Product: Credit reporting or other personal consumer reports

Reporting inaccurate information on my credit report and I am unable to get a supervisor on phone Ive sent in dispute letters and no response yet
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account pertains to a transaction and experience that fall under the exclusion section of the Fair Credit Reporting Act ( FCRA ) definitions and rules of construction. It was reported without my written consent, constituting identity theft as defined by the Federal Trade Commission ( FTC ). Therefore, this account must be deleted from my credit report. 
Firstly, this account is not related to any transaction authorized by me, the consumer. I did not provide any written instructions or consent to your agency to report this account. Reporting an account without the consumers explicit consent is a clear violation of the permissible purpose section of the FCRA. According to this section, credit information can only be reported with the consumers permission or for a permissible purpose defined by the FCRA, neither of which applies in this case. 
Furthermore, the reporting of this account without my authorization directly implicates your agency in willful non-compliance with the FCRA. Under the civil liability section of the FCRA, willful non-compliance holds your agency liable for damages, including actual damages, punitive damages, and costs of legal action, which includes attorney 's fees. At a minimum, I am entitled to statutory damages of {$1000.00} per violation for this willful non-compliance. In addition to the FCRA violations, this unauthorized reporting also constitutes identity theft as defined by the FTC. Identity theft occurs when personal information is used without consent to commit fraud or other crimes. In this case, my personal information was used without my permission to create and report this account, thereby meeting the definition of identity theft. As such, the account is illegitimate and should be immediately removed from my credit report. Given these clear violations, I am formally requesting that this account be deleted from my consumer report immediately. Failure to comply with this request will leave me with no choice but to seek legal action. I have been advised by my attorney that these violations provide sufficient grounds for a lawsuit under the FCRA. Not only did your agency fail to obtain my consent, but you also neglected to follow proper procedures for reporting and handling consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Hard Inquiries listed on my report that do not belong to me XXXX, XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on a letter that I sent to Equifax on XX/XX/2023. I have not received any response or update regarding my request, and I am concerned about the status of my inquiry. 

I understand that they receive many requests and inquiries, but I would appreciate it if you could provide me with an update on my request as soon as possible. I have attached a copy of my original letter for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Product: Debt collection

i called credence debt collection customer service line on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and was connected to a shady XXXX accent reprehensive of that company that at first glance it reminded me about the fraudulent nature of these species and their expert long lasting experience in them and after few questions i asked XXXX XXXX ( which seems like a maid up name ) about a better settlement offer other than what was posted on their website so it took them a minute and came back telling me that we can get you % XXXX off the current debt to get it resolved today and that time i did not have the available funds to accept the offer so i requested him to provide me the debt verification letter and a statement in writing that im going to get the discount guaranteed when i comeback with the money to pay them and he tried going around the subjects then told me that he needs to send it to back office for processing to buy time and make shortcuts but kept on aggressively saying he wouldn't be able to get me what i need with fake reassurances. 
i receive an email 2 days after which is just a normal auto generated reminder their system sends you to remind and attempt to get a resolution which shows the website of what i already see and has 5 or % 10 discount, not what what discussed or even close and that is only thing i got from them. its like taunting my request while they clearly knew what i asked for so this really infuriated me to the point i was going to really open my mouth and put them on a hard blast but my self discipline stopped that so im here asking for justice as i just feel violated and asking for your resources or anything that can be done.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for not failing to properly investigate my disputes.l regarding inaccuracy in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, Transunions actions may also contravene Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX I am requesting Transunion remove these items from my credit report, immediately.
Product: Money transfer, virtual currency, or money service

{$340.00} was stolen from my card that was stolen! I called immediately when I noticed the fraudulent charge. Wells Fargo sent me a new card. In the meantime, the provisional credit of {$340.00} that they provided is being deducted from my account! I have been with Wells Fargo since 2013 and this is ridiculous I can see if it was a large ridiculous amount. Me or somebody I know did not make this charge!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Capital One, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

Since XX/XX/XXXX I have requested to receive my XXXX statement, information on the fraudulent findings to file a police report, fraudulent charges to dispute, and other refunds that were accepted by credit karma but not refunded to me? 

My account was closed on XX/XX/2021 by credit karma without notice. Yet refunds and direct deposits are still being accepted by credit karma. 

I have been locked out of my online account and now completely deactivated by credit karma. Blocking me from looking at any of my statements and money account to verify what is owed or any transaction history. 

This has left me with unpaid rent, insurance policies canceled, and the inability to buy basic needs. Stealing from their own consumers is criminal. 

I have attempted numerous times to resolve this and have been left with unanswered calls and emails. I've been told the department that can help me is unreachable by phone only email which never follows up.
Product: Debt collection

SinceXX/XX/XXXX I have been sending Frontline Asset Strategies {$50.00} per month to settle an old debt from XX/XX/XXXX. Each month I receive a statement saying, " Thank you for your recent payment of {$40.00} on ... '' No mention is made of the remaining {$10.00}. 

When I contacted FAS, I was told that there is a {$10.00} per month service fee, but no justification for falsely reporting the amount received was made. 

My complaint is this : ( 1 ) Each month they receive {$50.00} from me. I believe I should be receiving a receipt for {$50.00} regardless of how they allocate it. 

( 2 ) This company provides no service to me. I should not be paying them {$10.00} per month to collect {$40.00} per month. What they collect from me should be applied to the debt I owe. I should not have to pay the debt collector, to collect my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied a credit card from XXXX. When I received my letter in the mail regarding the reason for denial, it said that they received my consumer report from a company named SageStream , LLC and that my score was in the XXXX 's. My score is in the high XXXX 's, and I have never heard of this credit bureau. They stated the only way to receive a copy of my report was to send in copies of my personal documents. Even though I was hesitant ( I 've never heard of them and felt uncomfortable sending my personal documents in via fax ), I did it anyway to see what was being reported about me. <P/>I sent that information in on X/XX/17 and it is now X/X/17 and I have received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe in the month of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.
Product: Bank account or service

I am a non customer of this financial institution. I was attempting to make a deposit on my daughters ' behalf ( who is a Chase account holder ) into her account. I was at the XXXX XXXX XXXX XXXX location in XXXX XXXX, La. The incident occurred on XXXX/XXXX/16 @ XXXX. I pulled into a drive-up lane, requested a checking deposit slip, completed it and placed cash money into carrier back to teller. She asked if I had an account, I stated no I did not, that I wished to deposit into my daughters ' acct. She rudely stated, '' you ca n't do this, you must be the account holder! '' She never took the time to explain your bank 's policies on accepting cash from non customers. She is a very poor representation of your institution and certainly warrants training in customer service. I have never had an account with this bank, and certainly after this unpleasant interaction I have grave reservations in obtaining one. I informed my daughter of this incident and she as well is contemplating changing to another financial institution. I then gathered my monies from the carrier, and upon looking up at the tellers ' window, I noted she and another co-worker were standing and both staring at me talking amongst themselves. there were no other customers in teller lanes. How rude can this be?? I left quite upset, I drove to another branch in XXXX. This Chase location was much friendlier ( XXXX XXXX ). I asked teller would I be able to deposit into my daughters ' account and she stated I would only with a check. I proceeded with the transaction and left satisfied.
Product: Money transfer, virtual currency, or money service

I hired a husband/wife by the name of XXXX XXXX and XXXX XXXX to perform renovation work on my home. To start the renovation work they requested XXXX to purchase materials and in return I requested their credentials and XXXX license. During the city permit request process, I realized the XXXX license number provided by the couple belonged to a dead person. I notified the couple and requested return of the XXXX I paid them through the ZELLE APP available through XXXXXXXX XXXX account. They disappeared with my money and I proceeded to open a police report which is actively being investigated by a detective with the XXXX XXXX XXXX police department as A FELONY CHARGE. I also notified chase bank and ZELLE of this theft by deceipt criminal act by XXXX XXXX and XXXX XXXX. I was also able to confirm that the XXXX payments I made went into a verified bank account which belongs to XXXX XXXX. 
A verified account means ZELLE and XXXXXXXX XXXX have vetted and authenticated XXXX XXXX. 

XXXX ) So why is ZELLE and XXXXXXXX XXXX not looking at the balance sheet? 

XXXX ) Why is ZELLE and XXXXXXXX XXXX allowing XXXX XXXX and XXXX XXXX to steal from customers by condoning these criminal acts being performed through a verified account? 

XXXX ) ZELLE policy is not available on the XXXXXXXX XXXX app, why is XXXX endorsing and advertising a service that they did not get themselves? 

XXXX XXXX and XXXX XXXX are thugs and utilizing verified bank account for their malfeasance which means the bank is condoning their criminal acts. This criminal act by XXXX XXXX and XXXX XXXX did not take place in a foreign land, it happened here in the United States and I am sure this is not the first time XXXX XXXX and XXXX XXXX have utilized a dead person 's XXXX license information to steal from people. Their account should be flagged for fraudulent activity. 

ZELLE and XXXXXXXX XXXX  are no different from the the XXXX XXXX XXXX XXXX because they are all liable, lack accountability, and XXXX fraudulent acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute REASON : Remove transactional history and consumer experiences between me and you ( NelNet ) from my consumer reports. 

The creditor recently responded to a complaint I submitted to the CFPB, using stall tactics not to process my dispute. Pursuant 15 USC 1681a 2 ( A ) ( i ).

-This is not a GOOD WILL REQUEST XXXXThis is not a credit repair agency I am XXXX XXXX XXXX and I am demanding that you process my dispute, in its entirety. I will sue your company for damages and criminal acts if you do not process this dispute, with the help of the attorney general of my governing jurisdiction. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) DEPT OF ED / NELNET Making the report is NOT INCLUDED on my Consumer report! 

Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company. 

ACCOUNTS TO REFERENCE : Accounts numbers : 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

I submitted a dispute back in XXXX, and they never answered back. I then submitted another dispute in XXXX and no one ever got back with me until I came through the CFPB Ive sent my ID Ive sent proof of address Ive sent the letters and I have not received anything back until this week and when I receive information back this week they told me that they didnt receive nothing today Ive sent them and I have copies of everything that I sent to them. I am attaching everything that I have sent to them they came back and sent me a letter and said that theyre basically could do anything to my credit and Ive been on there since XXXX and were now in XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX, I received a call from Coinbase. Coinbase doesn't call customers. On the same day my email was hacked XXXX. On same day, I submitted requested for Coinbase to disable account due to suspicious activity. I have not been able to access my account since. I have followed their procedures for account recovery Case # XXXX. This is last message received on XXXX : " We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). '' It has been 8 days ( 5 business days ) and not response. Please, I need your help in freeing up my funds XXXX on Coinbase. They have the worst customer service in virtual currency. I will be moving all funds off platform to XXXX.