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

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 15 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. After multiple disputes XXXX and Experian Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX a time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX and Experian are not practicing XXXX XXXX Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Credit card or prepaid card

On XX/XX/XXXX I revieved a lifelock alert stating that TD Bank USA/Target inquired on my XXXX credit report. I NEVER attempted to open an account. I contacted TD Bank/Target and it was confirmed that someone else attempted to open a credit card using my social security number. The email address, phone number and address however were all different. TD bank agreed to put a fraud alert on the application and not issue the card. However, I would like this followed up with to make sure. I have since put a freeze on all 3 credit files. I also would like the inquirery removed from my XXXX report.
Product: Credit card or prepaid card

There was a purchase on XX/XX/XXXX for {$1400.00} which was returned. The creditor, Lowes / Synchrony bank has admitted that the original charge promotional balance was incorrectly credited and debited over a period of four months following the original transactions. I disputed their remedy for the final correction on XX/XX/XXXX. I asserted that I have a right to a Statement of Account for all charges which are owed in a date range from XX/XX/XXXX to XX/XX/XXXX. I was told to look the statements I am disputing? I called and found out additional details and got on a recorded call a Supervisor admitting that they had made errors in applying my promotional balances, credits and debits. I asked again for a Statement of Account showing all charges, credits and debits. I asked the creditor prove that the debt currently showing on my account is correct. I was refused by not getting a direct yes or no answer. My complaint is that there are transactions where my money paid was moved that I am not being shown and Lowes Synchrony Bank has failed to disclose exactly how the errors were made and that corrections made were true and accurate. Thus my overall balance owed may not have been true and correct.
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX ( XXXX ) Equifax : XXXX XXXX XXXX XXXX ) XXXX : XXXX XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

XXXX XXXX, I applied for a remote job position at my school, XXXX XXXX XXXX. A few days later, I received an email from the school ( later I discovered it was a scammer ) about that job I applied for. I foolishly followed their instructions and received a {$3000.00} check through email that I would deposit in my Wells Fargo XXXX  account for supplies. I sent the money to XXXX other people that claimed they were XXXX  representatives, XXXX XXXX ( XXXX ) with {$1500.00} ( {$43.00} for just the fee ) through XXXX, and XXXX XXXX ( XXXX ) with {$1500.00} through Wells Fargo XXXX. This happened on XX/XX/XXXX. On XX/XX/XXXX, quickly after I sent the money, I found out I was scammed and tried contacting Wells Fargo to cancel the transaction, only for them to claim it was too late ( despite the transaction pending at the time ) and I needed to file a claim. Allegedly the claim was closed because again they claim it was too late for a refund. Wells Fargo later overdraw the {$3000.00} that I didn't have in my XXXX account because they were too late to realize the check was fake. Now I have no money because Wells Fargo refused to take this case seriously. Same with XXXX because they kept telling me to talk to Wells Fargo for a refund, even though Wells Fargo wanted me to talk to XXXX about this problem.
Product: Money transfer, virtual currency, or money service

I submitted a payment through my USAA app using XXXX of {$600.00} on XX/XX/2019 to a person posing as a dog breeder. The payment was for a puppy that was never received. I called USAA and filed a complaint with XXXX on XX/XX/2019. USAA told me that there was nothing they could do. XXXX contacted me on XX/XX/2019 stating that they do not offer any protection for payments made through their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as XXXX CXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I pulled my credit report and noticed a medical debt had been reported to the credit bureaus. I sent a letter requesting VALIDATION and in return they sent me a bill requesting payment in the amount of {$1200.00} I asked for validation of the account including the services rendered the amount of each service along with my signature releasing the authorization of my personal health information. This is a HIPAA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA ... TRANSUNION AND XXXX ... REPORTING INCORRECT " XXXX '' DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company STERNRECSVCS ( Original Creditor : XXXX XXXX XXXX ) account number XXXX**. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$240.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

I Spoke again to Wells Fargo and was lied to again about my account by XXXX. XXXX refused to give me any other information to identify her other than her name. She lied that my account was under review when Wells Fargo said it was being closed. This is blatant discrimination.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I froze my credit as my information was leaked in a data breach and received an email confirmation. 

On XX/XX/XXXX I tried to unfreeze my credit to apply for a credit card and a bank account. The website and password recovery was not working despite spending an hour trying. I called the number from my freeze email conversation and spent XXXX min on various phone trees trying to get assistance either with the website or with unfreezing my credit. The phone tree said it would unfreeze my credit and provide me a confirmation number but bugged out and never provided XXXX. I was unable to get an agent despite saying I need XXXX several times and was told they could only connect me in " special circumstances '' but not what those circumstances are. I even tried to reach out through twitter but have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$750.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Beginning back in 2020 my information was compromised in several attacks that occurred over a for year span between XXXX, XXXX XXXX, XXXX XXXX, XXXX  which works on behalf of my XXXX coverage XXXX XXXX XXXX XXXX XXXX. As a result I am filling out this complaint as I am a XXXX veteran who was injured in the line of duty who had multiple issues with my personal data and secured information from banking, social security number, debit cards, emails, documents were exposed over several data breaches. I have notified said companies and credit bureaus with all documents to help assist me in this matter. Yet I have been targeted by debt collectors and companies who do not want to help yet they treat and talk to me with disrespect and treat me as if I am a criminal and furthermore they try to intimidate me into paying on accounts or even paying back money or items I never purchased or loans I never applied for. I have tried to be as helpful as possible this has caused several issues within my marriage my personal business life and a direct hit to my character reputation and my physical and mental health and which it has made things worse because it has been very difficult for me to get my restored. These attacks occurred during times were I was either dealing with a major surgery or I was in the hospital and because of my health issues I was unable to notice this or I was not capable of contacting said companies. Due to my health issues and both mental & physical health I would not been able to physically or verbally consent to these accounts. I have been both verbally abused and accused of opening credit cards or applying for loans. I have contacted companies directly debt collectors and gotten police reports Identity theft reports locked my credit file and yet these companies keep insisting I am not providing enough evidence. I am on the verge of suing all companies and bureaus involved because all this did was push me further into XXXX and has made my anxiety and XXXX become worse, I have even contemplated taking my life as this has ruined me and caused me to not even be able to get things for my family my wife and kids have suffered the most and that what hurts the most not being able to obtain the things I want and need for them. I wanted to move to a new state and purchase a new home but this is hindering my progress, my car notes and bank accounts have been closed and my cars are on the way of being repossessed because of the fraudulent activity has caused several returned check fees that total more than {$10000.00} between both vehicles.
Product: Checking or savings account

I am filing a compliant against Capital One regarding the deceptive practices related to their XXXX credit card accounts. Capital One misrepresented the credit account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Credit Card performance account. this deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the TRUTH in Credit Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX and saw some hard inquiries that did not have permissible purpose. I have also attached evidence. 

1. XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( XXXX XXXX XXXX ). 
2. XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( XXXX XXXX XXXX ). 
3. XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( XXXX XXXX XXXX ). 
4. XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
5. XXXX XXXX XXXX  XX/XX/XXXX Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
6. XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
7. XXXX XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
8. XXXX XXXX via XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 

9. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ).
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX  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 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: Money transfer, virtual currency, or money service

On XX/XX/2019 I login to my coinbase account ( https : //www.coinbase.com ) and I notice it says " Account is restricted '' I can not send or sell or withdraw my funds ( money ). It says to contact support and submit a ticket I did that but when I went to support page my ticket is nowhere to be found. I called there support number a few times +XXXX  XXXX XXXX ( US/Intl ) and I get a automated responses to submit a support ticket, each option i choose i get the same response I can not talk to a real person. I have also XXXX on XXXX  to coinbase support about my issue with no response. 

My Coinbase support case # XXXX I was looking online around different fourms and told the best way to get a response from coinbase is to file a complain - " Don't waste your time trying anything else. Immediately file a complaint with the CFPB. It is the ONLY way they will pay any attention to you. There are countless posts just like this and that has been the only solution that works. I was stuck for months, filed a complaint and received help the next day. Takes 5 min https : //www.consumerfinance.gov/ It is ridiculous you have to do this, but despite all the hype, Coinbase continues to be inept at some of the most basic fiduciary responsibilities. ''
Product: Mortgage

Hello, the house that I am currently staying in is going into foreclosure. The main chunk of this problem began when the member of family, also one staying in this house, did not notify me of any form of delinquent payments. They have been stacking up since XXXX of 2015, and I was not made aware of this until last month. It was also the end of last month when we got up the spare money to pay up the delinquent payments. Though the bank refused to accept the money, telling us that the house is being foreclosed upon. 
The reason they do not want to talk to us is because when our mother died intestate, and had no will. Her death was approximately two years ago, I was told that a lawyer was being talked to for probate. However, I do not know how legitimate these claims of my sister are. 
I would like help to get the house payments current, as it is today on XXXX XXXX, 2015 the amount owed is approximately {$2900.00}. I, have a vested interest in keeping the house, where as XXXX of the XXXX of us siblings do not. The third, my elder sister, does not seem to have a vested interest in keeping the property. I will also be consulting a housing counselor to see what can be done. I will also be writing a letter and sending it via certified mail, after obtaining assistance form a counselor. 
I do n't know if it will have this on a later step, but I do make enough money to pay easily up to {$600.00} a month on the mortgage. If there is anything else that needs to be obtained, I am free to be talked to about this matter. I do also have the FHA number that can be given at any time, if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian FICO score dropped XXXX points. The notes indicate a late payment. When going through each individual account, there was no late payment, whatsoever.
Product: Bank account or service

XXXX XXXX, a hotel, charged me {$250.00} for a " smoking fee '' because they said they seen me smoking inside the hotel room. I called and complained to the manager because I DONT EVEN SMOKE. The manager hung up on me and I made a claim with Wells Fargo. Wells Fargo credited my account for the {$250.00} but they just took it out today. I am not going to have {$250.00} stolen from me. This is absolutely ridiculous and complete theft.
Product: Credit reporting or other personal consumer reports

XXXX, OPP LOANS ACCT XXXX is breaking the consumer law pertaining to and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT be corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE
Product: Bank account or service

I was making a transaction on XXXX using my bank of america debit card and the transaction never went through. Moreover, they sent me a text message saying there is an unusual activity and asked me to confirm if it was me making the transaction. I sent a reply back saying yes and also called them and informed the same. Regardless of all this, the next message from them is that the card has been blocked! 
When i called them again, they put me on hold for 33 min searching for questions to ask about authentication. Finally, they dont even ask the questions but simply ask me to walk in to a bank of america center with my ID proofs. I live in XXXX in Minnesota and there is no bank of america in a XXXX mile radius! I tried talking to the supervisor but she has been arrogant enough to even accept that there has been so much trouble caused and in return was rude enough to say thats how the organization works!! 
Now i just need to travel a XXXX miles for just trying to purchase something online.!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that XXXXXXXX XXXX had inaccurately reporting information monthly on my crafty report as if there is new/updates information for this account and there has not been any updates or activity on this account in about 6 years. When I brought this issue to the attention of all 3 crafty bureaus they gave me the run around a claiming they didnt understand my request. I was clear in my statement of incorrectly reporting an account which has had no activity. XXXX XXXX  continues to report just recently as XX/XX/XXXX. 2022 in this Closed account. 

They should not be reporting on a closed account that has had ABSOLUTELY NO ACTIVITY IN 6 years!!! They continue to report it as activity hence extending the 7 year expiration time which is illegal!!! 

They have been avoiding addressing this issues spitefully.
Product: Checking or savings account

My vehicle was broken into, my phone and wallet were stolen. The perpetrator accessed my phone, bank account and made a string of unauthorized actions. A dispute claim was filed with Bank of America on XX/XX/24 for {$180000.00}. A decision was made in less than XXXX hours. I filed for a reconsideration once my police report was finalized. My dispute has been open for more than XXXX business, I've not received any new information, no credit. I contacted Bank of America today, on XX/XX/24 with no updates. Every single associate I've spoken with has told me different information or no information at all.
Product: Debt collection

Portfolio Recovery Associates, LLC ( PRA ) alleges that I owe them and/or their client or affiliate company XXXX XXXX XX/XX/XXXXa sum of money amounting to {$390.00}. I was made aware of this for the first time on XX/XX/2020. Consequently, I contacted PRA and requested validation of this unknown account. Tangible documentary evidence clearly showing that I have a legal contractual obligation to pay PRA and/or its affiliate - XXXX XXXX XX/XX/XXXX. To date, PRA has failed to provide such validation. Instead, PRA sent me letters bearing inaccurate personal information, including addresses with which I am not affiliated, and has failed to delete the derogatory information from my credit reports. PRA actions represent a clear violation of the FDCPA and given their refusal to properly validate this debt, I am left with no option but to sanction the help of CFPB in an attempt to have this matter resolved without the need for litigation which I prepared to initiate depending on the outcome of this complaint. As a consumer, I believe it is fair to request validation of any debt to which I am accused of owing. PRA ought to comply and provide the requisite information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX  later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.