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

I am not liable for this debt with the following third party collections and other agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have a contract with them and they did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have received my credit report today XX/XX/2024 and I have notice that somethings are incomplete and not accurate, and accordance with the fair Credit Reporting act. Here are the list of the accounts below that has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15. USC. 1681 section 602 A. 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 an account without my written instructions.

15. USC 1681 C. ( 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 crime which antedates the report by more than 7 years.

15. USC. 168 1s -2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the.
Product: Debt collection

I had never received any notice that they were even trying to collect for an account until i seen it pop up on my credit they are saying it owed to a hospital called XXXX  XXXX i have never visited a hospital with any name like that i always have an always will us XXXX XXXX. Also the date they gave that suppose services were done i was not in any hospital on thoughs dates. They have a inaccurate address on the account that i never have even resided at. I am trying to better my life an purchase a home an this has now knocked my credit way down after a 3 year process to bring it up. This Account is invalid an is not owed from me.
Product: Checking or savings account

I got a text message claiming to be Wells Fargo from the following phone number : XXXX ( XXXX ) XXXX on XXXX, XX/XX/XXXX. The message stated the following : " Free Wells Fargo Alert : A transaction was made from your card for {$850.00} at XXXX XXXX on XX/XX/year> ( XXXX XXXX differ ). Was this you? Reply Y or N. '' I replied " N '' to the message and received a phone call from someone named XXXX XXXX XXXX I'm not 100 % sure of the last name ), who assured me several times that I was speaking with a Wells Fargo representative on a recorded line and also provided me with his 'Wells Fargo identification number XXXX as XXXX. ' He explained that someone named XXXX XXXX in XXXX, TX was trying to hack into my account and wire herself money and in order to stop this from happening, I needed to transfer my money to the representative that was working on my case. He proceeded to walk me through the steps to wire {$610.00} from my checking account and {$4400.00} from my savings account to someone named XXXX XXXX as well as an additional {$3500.00} from my savings account through XXXX to someone named XXXX XXXX. I called Wells Fargo directly on XXXX, XX/XX/XXXX and explained all of the above to a representative named XXXX, who opened a claim for the wire transactions ( not the XXXX transaction ). XXXX transferred me to a representative named XXXX, who opened a separate claim for the XXXX transaction. I am able to provide the claim case numbers upon request. I followed up on these claims on XXXX, XX/XX/XXXX and was told that both of my cases were closed and that there was no resolution available. I then received a call from my local Wells Fargo branch on XXXX, XX/XX/XXXX. A representative named XXXX XXXX left me a message stating that she had information about my claim and to give her a call back. I called XXXX back, but reached her voice mail, so I left a message. She returned my call and left me a second message stating that she had some paperwork for me to sign so that they could move my claim through to another bank. When I finally connected with XXXX at the end of the day on the XXXX, she explained that I needed to come in to my local Wells Fargo branch to sign a document so that they could ask the bank that received my wire transfer to refund me some of my money. I went to the Wells Fargo in XXXX, Pennsylvania on XXXX, XX/XX/XXXX at about XXXX XXXX  and was told that Wells Fargo could not refund me any of my money due to my having made the wire transfers. They explained that if I were to sign the paper in front of me, they could push my claim through to XXXX XXXX, which is where the non-XXXX  transferred money was allegedly transferred to. I have not heard from Wells Fargo or XXXX XXXX  since signing these papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There we're a multiple fraudlent accounts opened at Bank Of American, XXXX XXXX and A XXXX  XXXX Credit card opened in my name. I never opened these accounts nor did I ever have any association with any other these accounts because of these accounts I am unable to open an checking account with Bank of America and XXXX and Im also unable to open a credit card with bank of america
Product: Checking or savings account

Far past two years, Citi bank charged me {$12.00} a month fee. Two years ago they told me I should have a direct deposit into my citi bank account and that will waive any monthly service fee. So I set up a direct deposit. Today I noticed they have been charging me fee s for over a year. When I called ( XX/XX/2020 ) they said '' You should have a bill pay as well to waive the fee. My argument was that '' about two years ago you said I should have only direct deposit but now you are asking me to pay bill through your website? She said " Yes. Although I pay Citi credit card bill through my Citi checking account but that does not qualify for them. Two different answers by two different individuals. One of phone agent said " go ahead and complain but I am not giving you any refund, this is our policy ''. Citi bank needs to disclose all fee info to their customers and get their consent. I am hopeful that CFPB will resolve my issue with Citi Bank.
Product: Prepaid card

I received a {$150.00} Amex e-gift card on XX/XX/2023. According to Amex, the card is accepted at ALL online retailers who accept Amex as long as the expiration date and security code is provided. I have tried using my gift card online at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All transactions were declined due to security issues although when I check the balance on the card it is {$150.00}. The purchases I tried to make were well under {$150.00}. I called Amex several times and was told misleading information, ie. that I should upload the gift card to my XXXX XXXX XXXX  and i could make purchases from there ( did not work ) ; that i could use the card to pay off my regular Amex account balance ( not true ) ; that I should try to make a purchase at another retailer ( I've tried MANY MANY retailers and spent hours online shopping only to have the purchases declined over and over! ). Furthermore, I see that many many other customers have the same complaint, that the Amex cards are useless. I am now stuck with a {$150.00} virtual card that is worthless, and Amex has run off with the money! I even tried using the gift card in the online app for my building 's laundromat! Even THAT got declined!!!!!! Amex gift card representatives are no help, they read off a script and consistently say " try it at another retailer. '' How many retailers am I supposed to try??????
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of bankruptcy laws- XXXX XXXX XXXX continued to report the loan while in bankruptcy, then after the discharge- of which the loan was included- they began reporting the loan as a charge off and continue reporting it each month impacting my credit. I will be filing suit against them for violation of FDCPA and Bankruptcy laws
Product: Money transfer, virtual currency, or money service

Please see attached ( 2 ) files. After PayPal " Executive Escalations '' denied my request for refund, I filed a dispute with my XXXX XXXX. They have been working with XXXX on this issue but, as you can see from my letter to the XXXX XXXX, nothing has been resolved after a number of weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received our 6 month auto insurance bill on or about XX/XX/XXXX. We noticed it had increased from {$1000.00} to {$1300.00} in six months. In speaking with our Insurance Agent he referred us to someone who would research the issue for us. NOTE : We had had no accidents, citations or other negative events to affect the increase in our coverage. In speaking with this Insurance Rep. she said that a red flag was observed in that we had closed an account we had had for 34 years recently. I denied we had closed any old accounts for years. There was nothing they could do about it because of what they saw reported. They did not receive specifics, so I got my 3 credit reports. I saw that the long held account had in fact been closed in XX/XX/XXXX, however, this financial institution had made a report in XX/XX/XXXX on an account that had been closed in XX/XX/XXXX. I also saw that this same institution had made a report in XX/XX/XXXX on another account which had been closed in XX/XX/XXXX. These reports on long closed accounts have had negative impact on our finances by making unnecessary misleading reports which have caused our rating to go up for insurability.
Product: Checking or savings account

I opened a wells fargo checking account on XX/XX/year> using a promo code of XXXX at the Wells Fargo branch in XXXX XXXX. The promo code says opening a saving account and depositing over {$25000.00} and maintaining it for at least 90 days from account opening date will yield {$520.00} of bonus. It is already XX/XX/XXXX and bonus is still not found on my account. 

The {$25000.00} were deposited on XX/XX/XXXX. 

account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the following Credit bureaus ( XXXX, Equifax and XXXX ) about inaccurate information on my credit file on XX/XX/2018, and to validate it. They received it on XX/XX/2018 ( see attach ) As to date ( XX/XX/2018 ) nothing was done by any of the above bureaus to remove this item, nor did I receive any correspondence back from the above bureaus within the 30 days of my dispute that they received on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

The below listed collection companies can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of these account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX LVNV Funding, LLC nor from Portfolio Recov Assoc for the cancelled debts in order to file as ordinary income. Where is my 1099-C from these collectors? Where are any copies of the IRS forms they were required to submit? They are clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00} ( but also for any amount ). This is unsatisfactory at best and CRIMINAL at worst.

The below noted " collectors '' have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information and I am ordering them to REMOVE these reports from the three credit agencies : XXXX, XXXX and XXXX. 

CHARGED OFF ACCOUNTS REPORTING : XXXX XXXX XXXX Balance {$620.00} Balance updated XXXX XXXX, XXXX  LVNV FUNDING LLC Balance {$670.00} Balance updated XXXX XXXX, XXXX  LVNV FUNDING LLC Balance {$550.00} Balance updated XXXX XXXX, 2024 PORTFOLIO RECOV ASSOC Balance {$450.00} Balance updated XXXX XXXX, XXXX
Product: Debt or credit management

I called XXXX and Equifax to dispute addresses, phone, numbers and hard inquiries that are on my credit report. 
In response I was told to make this report first and send it to them.
Product: Debt collection

Amount apparently owed : around {$900.00}, and another loan taken out without my permission nor knowledge, XX/XX/year> Constant harassment calls ( 2x daily, earlier and later than legal times ), robocalling, very rude communication, being cursed at by a representative, yelling, threats of jail, threats of doing anything they can to ruin my credit, calling and not identifying themselves or giving any information about themselves in order to attain my information, telling me if I don't pay them today they'll sue, etc. Incredibly unprofessional and stressful, not to mention illegal. I've been dealing with this nearly a year now.
Product: Debt collection

I have explained under the FCRA that the debt that this company is trying to collect is not valid. I have sent out a letter XX/XX/2018. I have also mailed out a second letter on XX/XX/2018 asking to validate the debt in which they have not. I mailed out my third letter on XX/XX/XXXX under the FCRA and asked to provide documents with my original signature in which they have not. I have also mailed out a cease and desist letter out on XX/XX/XXXX after receiving numerous calls from various numbers under that company. They have also reinserted debts onto my report without notifying me.
Product: Credit reporting or other personal consumer reports

I XXXX, XXXX XXXX XXXX  in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EQUIFAX, INC through the CFPB about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : 1.Settlement Offer 2.Civil Cover Sheet ( dated XX/XX/2023 ) 3.CAF via IRS, Power of Attorney, Fee Schedule 4.CFPB case numbers, EQUIFAX, INC consumer report date and confirmation numbers 5.Bill of Particulars 6, Passport Card ( Identification )
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to ask XXXX to update status as paid/settled on my credit report and they continue to give me the run around... I paid this account off with XXXX XXXX on XX/XX/23 and I continue to ask XXXX to update the information as such and they will not.. I have placed this account in dispute over 10 times and keep getting the same results... I settled in the amount of {$310.00} and have mailed and faxed in paid letter documents and XXXX XXXX removed their trademark from my credit file back on XXXX thanks. 
I also have a complaint with XXXX XXXX in the same fashion... I paid/settled this account with XXXX XXXX XXXX on XX/XX/23 in the amount of {$190.00} and have placed this account in dispute at least 5 times and they continue to say that this account is being reported accurately.. I have sent paid documents by mail and over the 3 major credit bureaus and they still have not updated the information to my credit file as such... The collection company has sent over information that this account is paid and they have yet to update the information on my credit file .... Thanks... 
I also have a complaint with Oliphant collection agency for a HQ shopping account... I have also asked them to update the status on my credit file that this account is paid/settled on XX/XX/23 in the amount of {$230.00} and have sent over documents and disputed this account as such and they have yet to update on my credit file ... Thanks. 
I also have a complaint with XXXX XXXX XXXX  for XXXX XXXX Credit Card ... I paid/settled this account on XX/XX/23 in the amount of {$290.00} with XXXX XXXX XXXX and have placed this account in dispute over 5 times and sent disputes via US postal service and XXXX XXXX XXXX has yet to update my credit report as such ... .XXXX credit services have since deleted their trademark from my credit file with all 3 major bureaus but Bank of Missouri has yet to update my credit file... Thanks... 



I also have a complaint with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX ... I have placed this account in dispute with all 3 major credit bureaus at least 5 times and have sent in dispute via US postal service and they have yet to update the status as paid/settled... I paid this account off on XX/XX/23 in the amount of {$280.00} with XXXX XXXX XXXX .... XXXX XXXX XXXX have since deleted their trademark from my credit file with all 3 major credit bureaus but XXXX XXXX XXXX has yet to update my credit files..Thanks..
Product: Credit reporting, credit repair services, or other personal consumer reports

On my EQUIFAX report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX i do not recognize these account. It is not Mine. Do to it is not mine it mist be removed under the FCRA. Please request proper investigation with proof if investigation under title 15 usc 1681. XXXX XXXX is my name. This communication is being sent to a XXXX computer. A XXXX AI machine, but that are not my wishes. Send this correspondence to a real human. Not a machine. I am a human I can not talk to a machine. -all accounts reporting on my credit report shouldve been investigated. Request what investigation was done.