23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fifth Third Bank ( XXXX ) has been repeatedly and persistently calling our house phone regarding my spouse 's credit card overdue balance 7 days a week right after XXXX for 5-6 times including SUNDAY. When I answered the phone they don't tell me who they are. 

About 4 Sundays ago, I asked them not to call on Sundays ( I think her name was XXXX ) because it is not a good day for them to call. This organization ignored my request and still calls on our house phone everyday INCLUDING Sundays. 

On XX/XX/XXXX, a Fifth Third Bank representative called on our house phone again so I told her that I am willing to pay on my spouse 's behalf but they refused to accept my offer. 
On XX/XX/XXXX at XXXX, a representative from this bank called again. I told her not to call. At XXXX, another Fifth Third Bank representative called the house. Didn't they get a message? I told them AGAIN not to call on Sundays. They are disrespecting this household and interrupting my quiet Sunday  morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the fraudulent financial institution is XXXX XXXX XXXXXXXX XXXX This fraudulent account was opened by somebody else on XX/XX/2021 in the amount of {$10000.00} This account is a fraudulent account and I have filed a complaint to the federal trade commission center. Ive sent paperwork and all necessary docs to all 3 credit agencies. From the 3 agencies only EQUIFAX has taken NOT removed this account. Please delete this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT XXXX XXXX XXXX SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX  Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy.

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

My ac count with XXXX was cancelled and all equipment returned. This account was closed in person at the XXXX store at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX.
Product: Mortgage

On XXXX/XXXX/15 I contacted quickenloans ( QL 'S ) for a HARP Refi and was told I was approved but needed to pay $ 400- {$500.00} for an app fee. I advised that I wanted to discuss my options with spouse before proceeding. After discussing and contacting my mortgage Lender I decided not to proceed with QuickenLoans. I called QL 's, the representative was very persistent and matched the GFE of my lender. Since my lender offered no costs upfront, application or appraisal fees as did QuickenLoans I called back to cancel. The representative ( XXXX XXXX ) tried to match the offer by reducing closing fees to compensate so I asked for GFE ( this was now the XXXX business day ). I was informed that I needed to pay the above referenced fee to proceed ( this fee was requested on the original conversation ). I contacted CFPB to learn my rights and promptly contacted the XXXX 's rep, he informed me that I misunderstood what he said ( this was the XXXX thing I questioned and got that response ) I stated that I no longer wanted to proceed because I was disappointed with the way they conduct business and could no longer trusted them. XXXX still continued to push as to why I will not let them same me money and at no time offered to send the GFE although it has now been 4 business days since the original conversation. He even stated that all he did was take my info which I disagree with because for our conversation I believe an application was taken because be ran our credit reports and spoke to my spouse to confirm application information. Further no disclosures were sent to me my way of mail or e-mail. For comparison my discussion with my Lender XXXX and QL 's have been the same and I have received countless e-mails and mailings with disclosures from XXXX and none from QL 's. XXXX further comparison, when I informed XXXX that I needed to discuss with my spouse before moving forward I was informed that they understood that I needed to make an informed decision and to get back to them as soon as possible if I wished to proceed ( P.S. I received a GFS within XXXX mins of the call with XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a recent deposit ot {$5000.00} on XX/XX/2021 With Binance.US  - The American arm of Binance. At the time it went through fine. I made Bitcoin purchases with those funds. I got an email pn XX/XX/2021 saying that the deposit was returned and I have an outstanding balance and that i need to deposit the funds or else get liquidated for the amount ( XXXX  : XXXX, XXXX  : XXXX ). I tried to deposit a smaller amount {$2500.00}, but got an error. They said to submit a ticket with their requested information - a video with my name and date, a pdf of my bank account, etc per their email on XX/XX/2021 XXXX : XXXX, XXXX  : XXXX ). I submitted all the info on ticket # XXXX I got an automated response to try to add another payment method ( XXXX  : XXXX ). This didnt work. Subsequent attempts to add funds failed ( XXXX : XXXX ). This has NEVER happened before. I want them to liquidate the XXXX so i can remove the rest of my money off their exchange asap. 
Its not okay for them to keep money, and offer no customer service report and remediating the problem. I have successfully transferred money on this exchange for months. I dont know why this deposit was returned, adn all subsequent deposits.I sent proof of who i was as well as a bank statement.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX  XXXX - Account XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  XXXX  - Account XXXX Account Name : XXXX XXXX XXXX- Account XXXX Account Name : XXXX XXXX- Account XXXX Account Name : XXXX  XXXX - Account XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Previous CFPB complaint not on website and not resolved COMPLAINT ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports at XXXX, Equifax and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and saw that I had a public record for a tax lien, unaware of this I contacted the state of Georgia, they advised me that this was done in error and sent me the paper to send to the credit agencies because they was n't able to remove it, the credit bureau had to ... I sent it to all 3 bureaus and was deleted from my report .... that was years ago! All of a sudden equifax has reported this again making it reappear on my report after they deleted. How can that be legal? How can they delete it knowing this is a error and years later report it again?! I disputed online and they claim it 's verified to be mines. Not once did I say it was n't, what I 'm disputing is the fact that it should n't be reported and I provided them that proof from the state of GA and they deleted only to come back years later to report it again. If they do the research and see that the information was sent to them cause if it was n't it would n't be deleted in this first place. The business practices that equifax is doing is unjust and also is against the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX , XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.
Product: Credit reporting

I 've tried multiple times to get a free credit report using XXXX and annual credit report and got the same problems for both saying that my information didnt match any records or any bureau records. I 've never signed up before and Iv'e never used my credit either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the first complaint I submitted to CFPB ( to be more exact refer to complaint # : XXXX ) Experian replied that : verified that the disputed information was accurate as reported. The result summaries were sent to you for review on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And with this, EXPERIAN closed the complaint on XX/XX/XXXX. On XX/XX/XXXX, I made a complaint feedback note for complaint # : XXXX and create new complaint # :XXXX, because the first one was CLOSED BY EXPERIAN . On XX/XX/XXXX, I received a notification from CFPB that EXPERIAN RESPONSE with the following statement : Unfortunately, at this time, we are unable to process your disputes, as they are not specific. We must have a specific dispute that includes the account name, account number or the name of the inquiry and the date, or if you are disputing personal information we need the specific name, address, employer or telephone number. And with this, Experian closed the complaint on XX/XX/XXXX. So, I feel extremely lost because in the first complaint, Experian said they verified and my disputed information was accurate as reported ; and in the second complaint, Experian says they can not do anything because they needs account information. This is unacceptable and I feel outraged. So, here I send you the information requested on complaint # : XXXX : XXXX XXXX : ACC # :XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX For all this five accounts  listed above, Experian failed to send proof of verification for each of the account. Also, all of these accounts were listed in a total of 9 USPS Certified Mail Letters that I send to them. I have copy of each letters as proof of verification. The LAW is clear ; all unverified accounts must be promptly deleted. Another crass error of Experian is that the date of birth is incorrect ; perhaps this is why these accounts appear.
Product: Money transfer, virtual currency, or money service

I paid my girlfriend {$600.00} in the month of XX/XX/XXXX for XX/XX/XXXX Rent through XXXX XXXX and then I was kicked out of the house without being able to live there so I paid {$600.00} and was not able to live there then I had to get a hotel to stay at. I am requesting my {$600.00} back and the bank has denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX, A FEDERALLY PROTECTED CONSUMER. 

I AM A VICTIM OF IDENTITY THEFT. THERE IS FRAUDULENT INFORMATION ON MY CREDIT REPORT THAT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IN 4 BUSINESS DAYS. 

FRAUDULENT ACCOUNTS : XXXX. Account Name : XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX FRAUDULENT PHONE NUMBERS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The services youve provided is unprofessional. Time and time again Ive attempted to resolve the issue of your company ignoring my certified letters, hanging up the phone done by your supervisors, ignoring my rights as a consumer. I have mailed off previous cretified letters to find out that they were loss and this is the third and final letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting description of the investigation In accordance with the fair credit reporting Act 15 USC 1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list accounts Below. 

XXXX XXXX XX/XX/XXXX This account is reporting inaccurate information, account type, payment history are reporting inaccurate indifference on each bureaus, XXXX XXXX XXXX is reporting inaccuracy of credit reporting each bureaus is reporting indifference information payment history, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account is inaccurateXXXX. There is an acct reporting with no company name/any details at all but has a balance of {$870.00} open XXXX XXXX this is against the law to report. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXXXX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX Addresses need to be removed are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, sc XXXX I just received my reinvestigation back. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 i ( 7 ) because the list accounts are not accurate. The open date, date last active, and date of last payments, the accounts are not 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$2900.00}, XXXX  XXXX XXXX XX/XX/XXXX {$4000.00}XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX  Bankruptcy XXXX XX/XX/XXXX {$0.00}. XXXX : XXXX XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Hillcrest Davidson & Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # XXXX To whom this may concern, I am writing in response to your response on [ XX/XX/XXXX ], regarding my dispute of the above-referenced account. It has now been over 30 days since my initial dispute, and I have yet to receive any documentation that verifies this debt, specifically a copy of any contractual agreement signed by me, which proves that I am legally obligated to pay this debt. 
Under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of this debt. Validation requires you to provide a copy of the original contract or other evidence showing my responsibility for the debt. Your failure to provide such documentation within the 30-day timeframe required by law constitutes a violation of my rights under the FDCPA.

Additionally, under 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), my personal information can not be shared or used without my explicit consent. I was not made aware of any opt-in or opt-out processes that would allow my personal information to be sold or distributed to third-party entities. As such, I demand that this account be immediately removed from all consumer reporting agencies. 
Since no valid contractual agreement has been provided, I request that this account be deleted from all credit reports associated with my name. Failure to comply will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I expect this matter to be resolved promptly and this account to be removed from all credit reports. Please provide written confirmation within 15 days that the account has been deleted. 
Sincerely, XXXX XXXX
Product: Debt collection

Net CreditXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Was disputed on XX/XX/21 as a result of identity theft. I did not receive this loan
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Product: Mortgage

They violated the law when I asked to view my note. They told me to come to XXXX XXXX XXXX Utah when they are required to allow me local Viewing. Also XXXX agreed to postpone the auction although it went forward. Illegal foreclosure
Product: Mortgage

The past billings from NewRez, LLC have routinely been received by the XXXX thru XXXX of every month for payments due to them on the first of the month. As of today I have not received the billing that would have been expected for the payment due to them on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite being coded as " affected by natural disaster, '' VW Credit continues to report my satisfactorily paid vehicle loan as delinquent in XXXX and XXXX of 2018. I complained to VW Credit and they advised they would fix the problem. To date, this has not been done and I continue to suffer because of this.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the inaccurate information that your company has furnished to consumer reporting agencies. This inaccurate reporting has caused significant damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and housing purposes. 

TARGET/TD  Account Number : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( XXXX ) Balance : {$500.00} High Credit : {$0.00} ( XXXX ) Credit Limit : {$300.00} Past Due : {$500.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX  ( XXXX ) Date of Last Payment : XX/XX/XXXXXXXX  According to 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishing inaccurate information is strictly prohibited. The law defines a duty ( a moral or legal obligation ) for furnishers to provide accurate information. The IRS further clarifies that a charge-off is considered gross or ordinary income, which is not to be reported on consumer reports. 

I hereby demand that XXXX ceases and desists from reporting incorrect and inaccurate information immediately. Your duty as a furnisher of information under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits the furnishing of information if it is known or reasonably believed to be inaccurate. 

Furthermore, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) prohibits the continued reporting of inaccurate information after notice and confirmation of errors. I have notified you that specific information is inaccurate, and it has been confirmed that the information is, in fact, inaccurate. 

Continued reporting of this inaccurate information constitutes a clear violation of the law and has caused severe harm to me and my family. This letter serves as a final opportunity for TD BANK USA/TARGETCRED to cure and delete this erroneous account from my consumer reports.