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

This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Debt collection

I am being overcharged by Blitt and Gaines. We agreed to one payment a month but they are charging me twice a month. I was charged on XX/XX/XXXX in the amount of {$200.00} which I agreed to. 
XX/XX/XXXX I was charged {$120.00} which I did not agree to. 
I was charged XX/XX/XXXX in the amount of {$170.00} which I did agree. 
They are charging me XX/XX/XXXX in the amount of {$120.00} which I did not agree to. 
When I called they said they could not locate the agreement plan for {$170.00} a month even though the check ( XXXX ) shows taken from my account. 
They also said I did not have to go to court since this was not criminal court. They said since I was in a payment arrangement I would not need to go which is a lie and I would have had a default judgement. 
They are double dipping into my account which is illegal and giving false information on how to proceed when being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Detailed below is the response I received regarding a dispute I filed on XXXX XXXX XXXX 
I attached an identity theft report, my id and a statement, with that dispute. 

This letter excludes XXXX XXXX. XXXX XXXX has handled my issue like a pro. XXXX XXXX has been an outstanding help. Thank you. 

I would like to advise the credit reporting agencies ( XXXX- spoke XXXX XXXX XXXX ( claims did not receive my documents despite the fact that I submitted it through the CFRA portal. Already in violation of U.S.CODE 1681C-2.. and Equifax ) that they are violating federal law. 
15 u.s. code 1681c-2 - block of information resulting from identity theft.

a. block states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer, no later than 4 business days after the date of receipt by such agency.

It has now been 14 days since submitting my dispute through the CFPB.

Please be advised that if these accounts are not deleted promptly, I will be filing- Notice of Default opportunity to cure within the next 7 days.Thereafter, will be filing 1681N and or 1681O Civil liability for non compliance.

I have no relation or transaction with these companies therefore must be deleted promptly.

Below is the response I received and it is unacceptable. 

XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 Closed Company responded XXXX XXXX XXXX XXXX reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX  Closed Company responded XXXX XXXX XXXX XXXX reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX 

XX/XX/ Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on 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 : Equifax : XXXX XXXX XXXX account XXXX XXXX XXXX- account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX
Product: Money transfer, virtual currency, or money service

Wire withdraw of {$14000.00} from Coinbase to XXXX Business account was initiated on XXXX XXXX. This withdraw is confirmed in Coinbase 's system and has debited my account. 

The deposit never arrived. The XXXX Business account ( target wire account ) has been cancelled. I have contacted Coinbase informing them that 1 ) the wire never arrived 2 ) the wire target account has been closed. I have requested coinbase to refund the account with the {$14000.00} initial wire amount. Coinbase has been completely unresponsive. Account is XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX VIA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had this account with XXXX Credit Counseling in a group debt management program. This company called and said I had to set up a payment for this account and when I questioned if this account was already with my debt management program, they misrepresented the status of the account and told me I needed to sign up for XXXX dollar a month payment plan. They did not correct me when I asked them if this was a different account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) and account number ( XXXX**** ) ( XXXX**** ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

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

The dispute is with Bank of America, N.A. 
Attention : XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX, FL XXXX My mortgage is not showing up correctly on the 2 of the 3 major credit bureaus. It is correct on the XXXX  report as it shows the loan active with the current balance. For XXXX and XXXX XXXX the account is being reported as closed with a incorrect open balance. This inaccuracy, is greatly impacting my score with XXXX  and XXXX XXXX. In fact I was recently denied a loan for not having a mortgage as they pulled my XXXX XXXX report. My mortgage is current and on time and I am due to pay off my mortgage early. 

I am sure you can understand how this oversight is hampering my credit history. There is a HUGE discrepancy in my credit scores between the different bureaus. 

I have sent letters weekly for 5 weeks with no responses. 

Please help me resolve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below 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, XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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: Debt collection

This account should be included and discharged in my chapter XXXX bankruptcy of XX/XX/2015. I've disputed this account with the CRAs but this issue continues to cause me great pain and suffering as it continuously appears on my credit reports making it impossible for me to move forward towards my new years to come. I haven't even received validation of this debt.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX withdrew {$1800.00} from my checking out with USAA. I contacted USAA to ask when XXXX last attempted to collect money funds from me. They stated XX/XX/XXXX XXXX attempted to withdraw a payment and was unsuccessful. I was not contacted by XXXX in any way to inform me that I still owed a debt and they would like me to pay. I contacted XXXX. They explained that I took out a loan XX/XX/XXXX. They explained they sent emails from XX/XX/XXXX-XX/XX/XXXX to collect the debt and made several attempts to collect the monthly payment and had been unsuccessful. However, no mail was sent to me and I did not see any emails. Months went by with no word and completely unknown debt. They stated that if I wanted to loan again, I could. USAA conducted an inquiry and deposited the {$1800.00} back into my account on XX/XX/XXXX. I felt relieved that a company could not randomly withdraw large amounts of money without notice. However, on XX/XX/XXXX, the money was withdrawn again by USAA. However, no explanation from USAA was given as to why they took back the money they returned. As a single mother of a sick son, I can not handle the not being notified or at least be given notification to settle a debt with arrangements. I do not feel USAA should have taken the money without explanation and I do not agree that XXXX ( or any company ) is permitted to withdraw funds from an bank account whenever they feel. I should have been given written notification with an opportunity to settle the debt.
Product: Credit reporting or other personal consumer reports

I tried to get my credit report from Equifax, XXXX but Im having trouble getting into my account and creating one on XX/XX/year>. 
I tried to open a checking account on XX/XX/year> and they told me that there are multiple consumers associated with my social.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Public Record from a Bankruptcy XXXX XXXXXXXX on XX/XX/XXXXXXXX 
I previously disputed this public record. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. Under 15 USC 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 

Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 


Sincerely, XXXX XXXX
Product: Mortgage

I received a review the Company response to my previous complaintsand there seems to be Mortgage Fraud going on the note that was sentin by the Bank is a Robo-signed Document with missing initials signed byXXXX. I would request that the original documents be produced or I willbe forced to sue them for Fraud and Untruthful Lending Practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Informatio In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; it is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a car dealership to apply for a car loan I was told only XXXX bank would pull my credit report how ever I recently reviewed my credit report and found multiple Hard inquiries that I don't recognize I have listed them below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have told Navient repeatedly to only communicate with me by email or in writing. They claim they are not a " collection agency '' and are not subject to collection agency regulations. 
They had previously called on Tuesday, XX/XX/XXXX. I told them I had made this number do not call. They said they would do so. 
On Friday, XX/XX/XXXX at XXXX XXXX., they attempted to call me. I let the call go to voicemail. No voicemail left. 
On four seperate occasions since 2017 I have written to them asking them not to contact me by phone. As you can see above they continue to do so.
Product: Mortgage

Lakeview Loan Servicing bought my loan without my knowledge or consent from XXXX  and I've had nothing but trouble since. If I had known they were going to switch and especially that there were new terms such as fees for processing online payments, I would have applied for alternate financing!

There was some sort of an issue with the way XXXX paid my homeowner 's insurance so it was billed again and rather than checking anything, Lakeview paid it a second time. Now, they have double my annual insurance amount to cover it. I have been calling since XX/XX/XXXX when I saw that they were increasing my payments, but to no avail. I have spent numerous hours on the phone. I have sent numerous emails and they continue to ignore me. When I get them on the phone, they pretend they haven't talked to me before or have no notes and then, transfer me to non-existent lines, and I get a disconnect. I have had them talk directly to my insurance company, but they pretend to not understand! They can not be that ignorant! It is simple math!!!!

They are fully aware that the only payment to be made to my insurance company this year is {$56.00} total for the year, but they have raised my escrow amount by more than {$100.00} per month! I believe they did all of this because they know I have been struggling to make the payment. Now that I could have made the correct payment on time the last two months, I can not because I do not have the correct payment amount.

I am at a loss of what to do! This is an incredibly dishonest company!!!
Product: Credit card

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.cash.app. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX XXXX XXXX Based upon the understanding that www.cash.app is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to CashApp. Unfortunately, as of the date of this complaint, www.cash.app refused to provide the requested information upon our justified request. By refusing my request, www.cash.app failed to provide the required information about the VASPs hosting the beneficiary wallets, which I have made a series of transactions, www.cash.app does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.cash.app represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Checking or savings account

My account was charged multiple transactions by international companies ranging from XXXX, XXXX XXXX, and XXXX. I had not recognized these transactions and so I called and was within the right timeframe to report said transactions for fraud, and the fraud claim was denied by Wells Fargo. They are violating FEDERAL REGULATION E and their own fraud policies. I have called numerous times and sent emails that I will attach below and have not gotten the correct result yet regarding this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not employed at XXXX XXXX. I am a XXXX XXXX. Please send verification of change to me XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Online application for Sam 's credit was submitted on XX/XX/XXXX. A copy of driver 's license was required XXXX a video of myself. Application was then denied based on unable to verify identity which is ridiculous. When I called in a XXXX apologized & said, that I shouldnt have had to go thru this process, which seems to give Synchrony the right to deny applications based on race. The XXXX promised to call back XXXX  never did. Synchrony never sent a letter of denial only stating that I needed to verify my identity. The credit dept XXXX hung up on me during the call XXXX never called back. Spoke with XXXX XXXX, on XX/XX/XXXX who promised to have a XXXX follow up within XXXX hours. XXXX was advised that I recently learned that Synchrony Bank has seriously erroneous/fraudulent information on my XXXX credit report regarding XXXX credit card accounts XXXX & XXXX & XXXX XXXX XXXX XXXX XXXX closed accounts section. They show the account open for XXXX months with no XXXX made XXXX  a {$100.00} credit limit which is insane.
Product: Debt collection

I did not recieve any written or verbal notification of this debt. Have called to resolve, both the debt collector, and utility company it stemmed from. Both could not help me either verify/or pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In section 15 you sc 1681 section 602a State I have right to privacy 15 USC 1681 section 604a section 2 it also States a consumer report agency can not furnish an account without written instructions USC 1681 c A5 section States no consumer reporting agency may make any consumer reporting containing any of the following of information any other adverse items of information which in a dates the report by more than 7 years other than records of convictions of crime in accordance with The Fair credit reporting act the list of inquiries has XXXX my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 USC 1681s-2 A person shall not furnish any information relating to a customer or consumer or reporting agency if the person knows or has reasonable cost to believe that the information is incorrect
Product: Payday loan, title loan, or personal loan

A illegal title loan was done which is illegal is XXXX. The rate of 98.65 % is illegal also made self the company my lawyer illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 





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
Product: Consumer Loan

Car Hop and UAC are reporting incorrect information on my credit reports. I have made a lot of calls to them and nothing gets fix. I get treated very poorly by there reps and hung up on. They have that I missed payments when I didnt and reported that this account was charged off when it was not, it was still a open and active account. I paid it off now and it says I paid a closed charged off account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was just served summons from Discover bank ( today XX/XX/scrub>XXXX XXXX XXXX  ) about a credit card I owe them I have tried multiple times to reach out to their attorney office without any response. I was XXXX ot even able to get to leave a voicemail. I was previously paying XXXX XXXX to help me repay this debt but fell on hard times and my the money we now get is being used to repay people we owe. I believe XXXX and associates purposefully did not contact me and take me to court. This is very traumatizing to me as I have never been called to court before and this may negatively impact my future as I have a federal student loan for my current studies to help me be more prepared for my career where I will better able to repay the debt. I owed XXXX this was the only credit card I had and actually loved discover and also took out a personal loan with them. It now shows I owe them XXXX. I am not able to repay either unless in low installments as we are very indebted. I am a civil servant trying to obtain my teaching license in my present state. I am afraid this lawsuit may negatively impact me. Please help me