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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true XXXX accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Product: Money transfer, virtual currency, or money service

Using Western Union, I wired {$200.00} in cash to relatives in XXXX NC. They were unable to receive it because WU was not processing payouts due to the hurricane. I cancelled the transaction on XX/XX/XXXX. Operator XXXX told me I would receive my money back in 24-48 hours. Since then, a week and a half later, I have called 3 more times, each time being assured I would get a number that would get my cash back '' in 24-48 hours. ''
Product: Student loan

I am eligible for forgiveness under the " Public Service Loan Forgiveness '' program, having worked for a variety of XXXX ( c ) ( XXXX ) non-profits since XXXX. However, even though I have made more than the required XXXX payments ( XXXX payments as of XX/XX/XXXX ), MOHELA continues to send me a bill every month. 

Upon further investigation, I have found that MOHELA lacks proper records for XXXX of my monthly payments ( XXXX ; XXXX inclusive ). I have my checking account records proving that my loan payments were made during these periods. And my employment has been certified as qualifying for PLSF for these periods. 

As an example, I have attached a sample of a checking account statement showing my payment that MOHELA has failed to register in its records. 

I have tried, on multiple occasions, to resolve this with MOHELA, but can not even get a representative on the phone. MOHELA 's delay is placing an unnecessary burden on my family 's finances.
Product: Debt collection

I contacted this attorney over a year ago when I saw a collection on my credit report and made a good faith payment of {$25.00} and asked them to send me the information regarding the debt. They never sent me any documents. Months passed and still nothing. I again called and made another good faith payment of {$50.00}. on their website and requested the documents pertaining to this debt. I received nothing again. I contacted them and they said that the payment I made the XXXX time was for a different charge. I told them I have no idea what theyre talking about and I never received any documentation. I asked them again to send me the charges pertaining to these debts. I received nothing. A few weeks ago, I received a letter from the court stating that they were levying my account for a debt. I was never given any proper notice. I contacted them about this debt for what I found out was for XXXX XXXX and told them that this should have been paid by my insurance company but I will make monthly payments of {$50.00} a month. The gentleman on the phone mocked me and called my names. He kept talking over me and I could n't communicate anything. I felt diminished and he kept on with interrupting me and then saying he was finished talking to me then hung up. I am horrified at the harrasment I received today XXXX/XXXX/15 on the phone by this gentleman who will not let me make payment arrangements again without hanging up on me. Please help me as I can not communicate with this collection agency without being verbally abused. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Santander Consumer USA continues to robocall me after they repossessed my car and stole my personal property in the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at XXXX, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At TransUnion, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At XXXX, the payment history still shows no data for XXXX & XXXX XXXX, we have requested that XXXX, TransUnion and XXXX make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in reporting ''.
Product: Money transfer, virtual currency, or money service

I authorized two charges on XX/XX/XXXX for Ethereum ( a cryptocurrency ), for {$500.00} and {$120.00}. On XX/XX/XXXX, those charges were made AGAIN to my account, without my authorization, and with no products delivered to me.
Product: Checking or savings account

I have a checking account with Chase. I used their online bill pay to pay my mortgage each month. This month I made the mistake of selecting an old vendor for my mortgage. The account has not been active for several years.

When I noticed that I selected the wrong payee I informed Chase of the error within 24 hours. They refused to stop payment on the payment. In fact they made the situation worse by stopping payment on my payment of my mortgage to the correct payee ( XXXX XXXX ) XXXX 

From that point I have called almost daily trying to get Chase to return the funds to my account. I have escalated the issue multiple times. But the bank refuses to act even though they acknowledge they can not ascertain how the funds were sent nor whom received the funds. They are somehow claiming they sent the money where I requested. Given that I responded almost immediately and can verify that I made consistent attempts to stop the payment this is an obviously false statement on their part. 

The crux of the issue I believe stems from their inability to determine how the money was sent. I was recently told that this was not done by ach transfer but by check. If thats the case then my efforts to stop the check should have been honored immediately. 

Their first and latest statement was that I should contact the recipient payee, XXXX. This is fraught with problems as well. I have not had an active account with them for several years. When I initially contacted them several weeks ago, they informed me that they had no record of my account. Apparently they leased the name of mortgage bank to another entity. That relationship no longer exists. They were not able to help me locate the funds and suggested I contact Chase to get them to start an investigation. Obviously, I had already done that. 

I have reached out to my current mortgage bank, XXXX XXXX, to see if they indeed received multiple payments from me this month. They said no. They did inform me that the institution that owned my mortgage previously was XXXX. 

I have now called and emailed each of these institutions. I have reached out to bank professionals and attorneys. Each advise me that the bank is obligated to return my funds. 

None of the institutions has done so.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ACCT # XXXX ~XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX ACCT # XXXX ~XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX ACCT XXXX * XXXX ~XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX SELF # XXXX ~XXXX XXXX ACCT # *5978 15 U S C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U S C 1681 SECTION 604 A SECTION XXXX 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 or crimes which antedates the report by more then 7 years. 15 U S C 1681s 2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a targeted offer for opening a Citi Priority checking account with a bonus of 50,000 XXXX XXXX miles after completing certain requirements. I met the requirements months ago but the miles have not posted to my account. According to their support team, my XXXX XXXX number was missing and that is the reason for the miles not posting. Over a month ago I contacted them with my XXXX   number and was told the miles would post in 7 days. That didn't happen so I contacted them again, and again I got the same response. I am tired of wasting my time with Citi representatives and would like the CFPB to step in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am questioning the capacity of the bureau in doing their investigation about this matter. Below are the inaccurate accounts that still reporting in my credit report : 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: Debt collection

I have already disputed this debt and submitted an FTC identity theft report on the XXXX of XXXX this year, this account is still reporting to my credit report as of today. I am filing this new dispute as something relevant has just been brought to my attention. I would like to be clear that I have had no business with the original company XXXX, but even if this were a legitimate debt it is no longer legally collectable in the state of California as per the states Code of Civil Procedure 337. As stated in my XXXX credit file this account was opend in XXXX of XXXX this is far past the statute of limitaions and as such this account should be removed from my credit file. I would also like to note that this account information is reported differently on my XXXX and XXXX files and to my knowledge this is also a violation of the FCRA. On my XXXX file it is listed as AWA COLLECTIONS XXXX
Product: Money transfer, virtual currency, or money service

I use the XXXX app for advances of my paycheck and now PNC Bank has limited my access to it in my time of need. Please help.
Product: Credit card or prepaid card

Capital One is violation of their responsibility to protect card holders. At issue is website I paid for that was never delivered. According to the merchant 's own information it shows that the website was never completed. A simple check of going to the URL shows the website was never completed yet for some odd reason Capital One thinks they don't have to charge back the merchant for not providing the services rendered. Capital One needs to be investigated. A review on their XXXX page shows many other customers who are being denied valid charge back cases. I will be contacting attorney for class action lawsuit and the government needs to step in and audit their charge back cases to see how many people are being harmed by Capital One 's egregious policies of denying charge backs for ridiculous reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive a statement for the month of XXXX and XXXX of 2018 from my Kohl 's acct. XXXX submitted to the credit bureau that I missed 60 days of payment. 

This is not acceptable. I should have been notified that my acct was late or behind!
Product: Checking or savings account

Wells Fargo says to try to work out disputes with company first, then let them know. I've tried and I've come across a very bad situation that needs upper level help .... 

My father, XXXX XXXX, has been forced to move out of his home for quite a while due to disabling XXXX XXXX. Im a POA and have only recently bothered to check his bank accounts due to his stressful life events preventing proper handling of those concerns. Ive now realized that although he believes he expressed a notice to his utility and other service providers, there have been charges to his bank account from vendors and services operators for which he is not able to use as a service. 

Especially at the bank level, XXXX expressed his competency concerns with Wells Fargo. Although hed moved out in 2016, and due to reverse mortgage rules, Wells Fargo took over the home soon after, Wells Fargo tolerated the inappropriate charges. Wells Fargo now claims they didn't do the takeover since they transferred their reverse mortgages to another company. If responsibility should be due to the mortgage holder, former or latter, I would note that I left a note on XXXX belongings which contained sensitivity personal belongings, and I did not hear a word. Either the bank, the mortgage holder or the reverse mortgage takeover workers, or those service operators, shouldve been responsible to prevent inappropriate charges to a XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I have not worked since I had XXXX because I am having a lot of complications with my health. They are still calling me from their cell phone I asked for it to be taken care of and they have ignored the complaint. Since they have ignored everything I will be suing them because I have rights.
Product: Credit card

Please expunge any notations of late payments and revise the status to indicate either " paid now '' or " as agreed. '' I consistently adhere to timely payments for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and saw there's a bankruptcy being reported without my consent. I have a right to privacy. This unauthorized reporting has caused me financial damage and great stress! I was recently denied approval of a XXXX  due to this intrusive reporting! 

XXXX XXXX XXXX  XXXX XXXX : XXXX Equifax is also in violation of 15 USC 1681 ( a ) ( 4 ). A consumer reporting agency can not furnish any information on my consumer report without my written instruction.
Product: Credit card or prepaid card

This began with Wayfair retail harassing and racially profiling me being XXXX while shopping. Citibank ongoing harassment and retaliation against me because I filed complaints about their harassment and ongoing XXXX profiling me. My account was closed due to Citibank stating my account was closed due to non payment and Bad payment history! 

I have never paid this account late nor have I missed any payments! My payment history is perfect! 

Citibank retaliated against me because I filed complaint XXXX. 

I called them requesting in writing the reason for closing my account. Citibank refused my request and hung up the telephone. 

Citibank employees ongoing harassment against me because I am XXXX XXXX and was shopping while being XXXX. Citibank refused to tell me how my payment history was bad! 

They have caused me unjustified financial injuries and I have done nothing but being an XXXX XXXX woman! I have nobody standing up for me! I stand up on my own and companies like CitiBank continues to hire XXXX  people in positions that they are allowed to harass, discriminate and do racially motivated harassment towards their XXXX Customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing  reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.