23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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.

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights. 
I looked at XXXX credit report on XXXX XXXX and noticed somethings are incomplete and not accurate.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

My mobile home burned XX/XX/XXXX and my insurance company paid my mortgage off with Ditech on XX/XX/XXXX in the amount of {$41000.00}. Ditech deposited the check on XX/XX/XXXX and I received a statement showing my loan was paid off and I was due a refund from my escrow. Ditech was purchased from Shellpoint Mortgage Servicing and since then they have sent me statements showing my loan was never paid and that I am accruing interest charges. I have contacted them and sent them all of the documents showing that my loan was paid off from my insurance company and that I did not owe the debt that they claim I owe. I still continue to get these statements and the balance continues to grow larger. I have hired XXXX Attorneys to represent me on this matter and they both have reached out to them, sent the documents in to Shellpoint and they still continue to sent me mortgage statements. I do not know what else to do besides file a complaint to try to resolve this matter.
Product: Debt collection

I received a notice in the mail today XX/XX/21 even thought the notice is from XX/XX/21 about a debt to XXXX. The amount is for {$590.00} and they were willing to accept {$410.00} to resolve the debt. I checked the company which was Jefferson Capital Systems and the phone numbers did not match. I also checked the account number on their official website and there was no record of the debt. I also checked my XXXX account for transactions over the past 10 years starting from today and there is no transaction of such amount. I have never been sent a letter about this debt prior to the one I received today.
Product: Mortgage

Last year around this time I paid bank America XXXX they said I was behind and five month later I received a check from them forXXXX they found my pay meant now they are saying I old themXXXX so I went to the ban I deal with and I send bank America paper that they cash the check  no respond.so now I ask them how I old u all this money went and I just gave u all XXXX back inXX/XX/XXXX so I call them and I was told I will be get a reinstatement calculation  letter so I talk to bank American back in XX/XX/XXXX so I waited a week has pass no letter so to day I went to the post office I received to different reinstatement so I call bank of American and they said they did not send to letter out so I fax them both copy of the letter .and them I was to to call the attorney that is Handel the paper and so I call them and I was told the erase the. Reinstatement went up because the file some thing in the court and I ask went it was filed so the man from the attorney office said it was filed since XX/XX/XXXX and I replied no way because the one date is good until XX/XX/XXXX so u are contradict your self and the fee wasXXXX and not even three week later another letter can out for XXXX    but I received bother letter on XX/XX/XXXX and both envelopes has the same post mark something is wrong with this picture so all this time they never send the letter out and just send both of then together and the attorney fee went fromXXXX   toXXXX  this is a rip of this is andXXXXrip of this is just a big get over on I.JUST think how many more people these company got over on I been in my home 18 year and I don’t no why mortgage company with unit u all most finished paying for your home to put these kind of tricks.but yes I do no why .so u can lose u home and they can resell and make another big profit
Product: Credit card or prepaid card

On  XXXX / XXXX /  XXXX   I pursed some product from  XXXX . I never received an invoice for this transaction for my records. I was then charged on my credit card. However, I believe the charges to be incorrect. I am unable to verify because  XXXX  refuses to provide me an actual invoice from the transaction. I believe that is because they know they over charged me and are trying to steal my money. I dispute this charge with Discover and requested an actual invoice. I received a typed letter from  XXXX , NOT AN INVOICE. I could type up a letter and have a read anything that I want. I will need to see an actual invoice form their system to prove this amount.     If they would have just emailed or mailed me an invoice in the first place, this could be easily have been resolved. That is why I believe this company is trying to cheat customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past XX/XX/XXXX my chapter XXXX bankruptcy was discharged. Originally I was going to reaffirm the car loan I had with XXXX XXXX. In XX/XX/XXXX I decided to turn the car in thru the bankruptcy rather then reaffirm the loan. Finally on XX/XX/XXXX they sent someone to pick up the car. I started checking my credit report and scores shortly after this and each time noticed that XXXX was still reporting that I had the loan and was behind on payments. I tried contacting Transunion and did a dispute and whe the investigation was complete it stated it was correct from the info they received from XXXX. I have disputed this on 3 occasions now. I have also contacted XXXX on 3 different occasions and each time the person i have talked with has said yes I was right and they would report it to there credit reporting department. Nothing is happening with this as it still is showing as a debt that is now more then 120 days behind. I have not had this vehicle since XX/XX/XXXX and would like this off my credit report.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX through VW Financial / VW Credit XXXX I have paid off the lease a month ago ( XX/XX/XXXX ) and I still haven't received my title. I have contacted the company multiple times since paying off the loan to check the status of title and every time they tell me a different time frame. Latest call was on XX/XX/XXXX and they told me there is no ETA for the title release. 
They keep making an excuse that they have a new title vendor because of which it's taking long and they are unable to provide any ETA since its a third party vendor. 
They do not provide any escalation reference number nor any email to confirm whether the request has been escalated or not. 
Rep that I spoke to on the phone on XX/XX/XXXX said that they haven't even sent out the titles for the payoffs that they received in XXXX. 
Please look at this request on priority as I am suffering a financial loss because of this issue. I am paying for the insurance for the car that I don't need and the car value is depreciating on a daily basis.
Product: Credit reporting or other personal consumer reports

I was a part of a data breach! Remove any/all inquiries from ALL credit reporting agencies including Experian, XXXX, XXXX, and XXXX.
Product: Debt collection

I was a few days late on a title loan from XXXX XXXX, as i was backing out a XXXX XXXX in XXXX XXXX when a repo truck blocked me in lift my car up then told me to get out or they would pull me out.

I responded you can't block me in an restrict my movement that is holding me against my will and it's called false imprisonment. As i was still in the vehicle the driver began driving off with me in the car. They drove about 15 feet then stopped, i told them i alerted the police an that this was actually a kidnapping. One of the repo men said XXXX XXXX told us take your car an please call the cops back an tell them everything is fine. They first blocked me endangering my life and others then threatened to pull me out the car and after that drove off with me in the vehicle. California law states any unwanted movement of a person more than 3 feet i believe is kidnapping.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX XXXX XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX XXXX I purchased 9 tickets from XXXX for an XXXX game between the XXXX XXXX XXXX to be played on XX/XX/2020. A week after making that purchase California had state wide Shelter in Place order. I immediately contacted XXXX via phone and email with no response. I then contacted Capital One credit card service and filled a dispute. I was issue a temporary credit which has since been reversed. I submitted paper work showing proof of purchase as well as a statement regarding my refund. Capital One responded but saying that their hands were tied if XXXX didnt have a agreement with me regarding a refund or credit. Both XXXX and Capital One have been unhelpful in resolving this issue and Im currently unemployed and out of {$900.00} because two major companies can care less about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted RISE on XX/XX/XXXX by certified mail. I requested verification of the account XXXX. It is being reported incorrectly as included in bankruptcy when I have never been in bankruptcy. 
I received a response XX/XX/XXXX stating " With the information provided on your earlier letter, we have not been able to confirm that we have the correct account identified '' They asked for the following : First and last name with the last 4 digits of my social security number ( which I included ), my entire birth date and the zip code of my home address and complete home number with area code. 
All these items were included which is why I was able to receive their letter! 

I sent another letter XX/XX/XXXX same as the first letter with no response. I also placed a phone call to the following number XXXX on XX/XX/XXXX leaving a message which has not been returned as of XX/XX/XXXX.
Product: Checking or savings account

I have deposited one at Chase Bank. The check returned to me by my landlord before is a check in my name. I know it is in my account. Hello, hello people tell me. This check is not me I cant cash it in. Then Ill tell him, Ill tell the bank, if there is no way to give it to me first, then you will return the money to him. 

The previous account will be returned at XXXX o'clock differently. They said that he must write a check. This person asks for a refund. Then I said I cant do it, and the person with the mobile ticket refunds. They just do. Say, then. This check can only be the same for them, and son Hold lives over there. Because if he grows up and doesnt return it, then I can get the money I get now. If it doesnt return, Just being there after they have been there, I'll just ask. 

Isnt it? It means drifting into your hands. Thats because you have the final say, I dont have it, and I cant ask you to refund it. The refund will go to his previous account, and the account will be refunded. You can still tell me, definitely Asking me to take a person to the bank, I said I cant take me to tell them many times. And I told them about this before, and I called them about 100 months ago. I told them on the phone. 

Today, one or two months later, if they still didnt help me, they just got it there, or they kept saying wait for me and wait for me to wait for me to go in. I said people before me said that I cant If I can go in, its okay for me, but he is actually him, and I cant ask him to go in with me because of who this is, especially the landlords who gave me things and asked for money.. 

And if I post something, he can go to other countries not in the United States, so I can't go in.
Product: Debt collection

This debt was a business loan, and was discharged by the courts due to the fact it was a business debt and unemployed both my husband and I and the debt was dismissed. This debt was bough and you guys are trying to collect from an item that was discharged, thats where there arent any judgments. Your eliminar of this item as per the FCRA, is to be removed immediately. 

Thank you. 

XXXX XXXX XXXX
Product: Debt collection

The debt is from XXXX XXXX that claims I took a student loan out with them back in XXXX. I have never done business with XXXX XXXX after closing my account in XXXX. This is a revolving issue that gets sent from debt collector to debt collector. The debt is not mine, nor has any ever provided any information that shows the debt is mine and is a real debt owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed, and I have several accounts that have inaccurate information and I will be filing a police report to remove the information thats unknown its so much information thats inaccurate XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  SEVERAL ACCOUNTS showing inaccurate and incomplete information, I will be filing a police report.
Product: Debt collection

XXXX XXXX is a division of XXXX that either no longer exists or is not providing meaningful service. 
They discontinued tower service on a device I had. 
Their customer service division provides misinformation, doesn't answer the phone, hangs up. 
Information can not be found on the internet. 

The point of sale ( XXXX ) store refused to take device back and refused to close account. 

Basically, XXXX XXXX refuses to close accounts- even when they no longer provide a service. 

XXXX XXXXXXXX nonetheless continues to bill, after mail and in person notification of intent to close account. 

Eventually bills are turned over bill to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX I don't necessarily have a complaint against this agencies. Except they are buying debt from broken companies. 

Obviously, I am not going to pay this egregious fraud. 

But my credit score is being damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been a victim of identity theft in the past. I am still recovering from this and have spent thousands to restore my good credit and my good name. 

Meanwhile, Equifax, a company which has refused to entertain some of my identity theft claims in the past, now, in an egregious act of fiscal irresponsibility, allowed my identity to be stolen AGAIN. 

You ca n't stand against these credit bureaus. They have all the means at their disposal, and they did NOTHING to  safeguard the security of the accounts of millions. Sure. They 're offering a " free '' credit protection as some sort of malarkey recompense, but how reliable is that when it 's being run by the same organization that allowed the private information of millions of customers around the globe to be compromised in the first place? 

And these credit bureaus affect your entire LIFE as an average person. They affect your ability to ever buy a home. They affect your ability to get a loan for your new car or for your education. They can even impact your ability to get a job that pays a decent enough wage to have a debt-free life someday! The fact that they have so much responsibility, and were so careless with it, is an egregious breach of consumer protection justice. 

Equifax needs to hang up its hat, stop messing with the lives of millions of Americans, issue more than a stupid apology and an enrollment in a free " protection ' company run by the same folks who let our identities be stolen in the first place, and stop ruining the lives of millions with their capricious judgments based on nothing but the whims of greedy bankers. They ruin lives for a living, and then they let hackers ruin even more. They need to be out of business. NOW.
Product: Money transfer, virtual currency, or money service

Was scammed into wire transferring money to a friend who was part of a investment scam. He had a XXXX XXXX and then was walked through an investment scam and sent money to my supposed investment account and was walked through trading on a platform that I came to find out was not real. 

I have contacted wells fargo and have tried XXXX support and can not get anywhere. 

I reported the fraud site to the XXXX  and still have not heard anything. 

It is a large amount of money XXXX and it seems nobody can help. 


I have transfers and accounts that money went to. 

XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$1000.00} XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$3500.00} XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$3500.00} XX/XX/2022 from Wells Fargo Savings XXXX Number Wire Transfer Srf # XXXX Trn # XXXX Account # {$50000.00} XX/XX/2022 from Wells Fargo Savings XXXX Number Wire Transfer Srf # XXXX Trn # XXXX Rfb # XXXX to Account # {$25000.00} XX/XX/2022 from Wells Fargo Savings XXXX Number XXXX Transfer Account # XXXX XX/XX/2022 From XXXX XXXX XXXX Account # XXXX Wire XXXX to Wells Fargo Account # XXXX XX/XX/2022 From XXXX XXXX  XXXX Account # XXXX Wire XXXX to Wells Fargo Account # {$46000.00} Total of {$170000.00} Money was a Loan and was supposed to be used for a project that was awarded. 
I was told by him that his account was compromised and that he had been hacked and lost all the funds. 
I questioned if he had called Wells Fargo fraud department. He said he had and that is all the info I got. 
Why didnt Wells Fargo stop the Fraud and why did they let that amount of money get transferred to his account and why did they let it move to some other account other then a legit Company that supplied building materials. 
This was a loan and was supposed to be returned in 6 months. 









Please help!
Product: Debt collection

GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX ( XXXX ) XXXX XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$770.00} XX/XX/XXXX. {$2100.00} XX/XX/XXXX. {$60000.00} I am a victim of identity fraud. These are the transactions I have in collections for apartments in other states. I have never resided in another state than XXXX. GENSESIS CREDIT MANAGEMENT is the collection company trying to collect money from this. I have disputed this sooo many times. I have made police reports. And I have made an account on XXXX I have mailed copies to the agency and my credit companies. I have had all XXXX of my credit sites frozen for years and these still somehow get through and put on my collections. I am sick and tired of this!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Debt collection

I am writing to formally dispute the inaccurate information being reported on my credit report for the Account ( XXXX ) .I have verified the balance on the account ( XXXX ) with DISCOVER BANK as Paid in full. Even received a verification which proved the balance on the account is paid in full. However, DISCOVER BANK continues to report a higher balance on the account indicating I still had a balance left to be paid. The inaccuracy violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which ensures that only accurate and complete information is reported. owed on an auto loan for a repossessed vehicle that was subsequently sold. This reporting is inaccurate and violates federal laws under the Fair Credit Reporting Act ( FCRA ). 


Violations : 1. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information to credit reporting agencies. Providing false and misleading information. 
2. FCRA 611 ( a ) : Failure to ensure maximum possible accuracy in credit reporting. DISCOVER BANK continued reporting of the account with a balance misrepresents my financial obligations. 
3. Unfair Practices : By not updating and reporting with complete accuracy the account balance, DISCOVER BANK shows deceptive practices that may harm my creditworthiness and financial reputation. 

Request : I demand that this account be deleted from my credit report immediately due to the false and unverifiable information being reported. I request a full investigation into this matter and expect a resolution within 30 days as required by law.