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

This is in regard to a previous complaint I submitted on XX/XX/2023. The company responded with an itemized statement of charges. However, the account numbers provided on the statement, do NOT match the account numbers provided on my credit reports. As I mentioned in my previous complaint, I have disputed these 2 collections numerous times, due to the inaccurate information being provided/reported. These collections are also medical bills, below {$500.00}, and from what I understand, they will no longer be reporting under {$500.00}. 
The itemized statement also states that the accounts were Write Offs, for this company. And I also never had a contractual agreement with this company, nor have I ever given them my permission to share anything whatsoever on my credit report. How many laws are being broken/violated by this company? One too many for me! I am requesting the collection accounts be removed, ASAP, as well as monetary relief for the following violations, for the last 4 years that they have negatively impacted my consumer report. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose If you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in the above actions being taken against your company in small claim state proceedings ; I will also be seeking monetary relief of { {$1000.00} } per violation for : 1. ) Defamation of Character 2. ) Negligent infliction of Emotional Distress 3. ) Violations of 15 U.S.C 1666 ( b ) & 15 U.S.C 1681
Product: Debt collection

I broke a lease agreement with XXXX XXXX XXXX XXXX After some back and forth, they determined this to be an uncollectable debt and they issued a 1099. They originally sent a 1099-misc, indicating I had received a {$17000.00} payment from them. I notified them that they should have sent a 1099-c ( notice of debt cancellation ) and they assured me that they would send me the correct form to indicate they " gave '' me over $ XXXX. Of course, they didn't " give '' me any money. They " gave '' me this money in the form of debt forgiveness. Both my XXXX and XXXX reports indicate I owe them the money that they " gave '' me, which is now considered taxable income for XXXX.
Product: Mortgage

Since XXXX I have been trying to pay my mortgage to Statebridge Company, LLC and trying to find out about the unexplained mortgage increase plus an extra {$27.00} charge no one can explain. I have called several time over the past few days and no one answers the phone and the general mail box is full ( XXXX ) and can not take messages and I get disconnected. I have gone through their employee directory and dialed every extension and no one answers the phone and each voice mail states that if you leave multiple messages that will delay the call back time. My mortgage payment for the month on XXXX still has not been applied to my account and I ca n't get hold of anyone to resolve the issue and get my payments applied to my account.
Product: Debt collection

Miramed Revenue XXXX has opened 8 credit collections for one instance in XXXX, 2016 thus making my credit appear worse! 
This debt is incorrect and should be combined as one derogatory, not multiple.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to resolve this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the prompt removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the ConsumeXXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

So I had 2 late payments in XXXX due to corona virus I have sent in several complaints and this employee XXXX think she is god and the only person I can talk in customer advocacy just piles all my complaints and no else never looks at my requests to get these removed they know they were due to corona virus and no one will lift a finger help this XXXX just closes out all my complaints she thinks she is god and the one person thst works at Capital and she is very rude
Product: Credit reporting or other personal consumer reports

I sent a XXXX letter to request information on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a medical account to my  XXXX ,  XXXX   XXXX   XXXX ,  XXXX . The account was paid to his office at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , OK, on or about  XXXX   XXXX ,   XXXX  . This account was originally with  XXXX    XXXX    XXXX ,  XXXX , OK. The complete file, cancelled checks, and educational materials on correct claims filing were presented in person at their office downtown on  XXXX   XXXX   XXXX  At that time, it was agreed by all parties that this case in its entirety was closed and satisfied per contract on all parts. Now, this account keeps reappearing at various times on various credit reporting agencies both national and local. This is a gross violation of the Fair Credit Reporting Act and I have also advised these agencies repeatedly.     I expect justice to be carried out, I expect these to be removed from my credit report permanently, and I expect punishment to the full extent of the law to these agencies for repeatedly violating the Fair Credit Reporting Act and my personal rights. I also expect my credit reports to be completely and forever expunged of these items as they have been satisfied for more than three years.
Product: Credit reporting or other personal consumer reports

West lake portfolio management put I have a pass due payment XXXX and XXXX on my credit report and decreased my score but I had spoke to someone for arrangements before it was late and they said it would not go on my credit report they put the negative payment on my rep before it was due I would like the late payment removed Iam in the process of buying a home and this could have a negative impact on the process
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the same account multiple times thus causing my XXXX  and XXXX  score to stay in negative. The accounts are old and closed. They are being reported.muliple times.
Product: Debt collection

This company has not provided any information as to the debt but has reported it to the credit reporting agency.
Product: Money transfer, virtual currency, or money service

Yesterday at XXXX ( XX/XX/XXXX ) I went to check on my XXXX on the Coinbase app and my account said that i sent all of my money to Coinbase. The app says i gave coinbase my money at XXXX XXXX, At no time ever did I authorize this transfer or was not made aware of the transaction from XXXX. They Stole my money without permission, did not inform me of what happened to my money, i waited on the phone for 40+ minutes waiting on a representative to assist me with the problem, and the phone call disconnected. They were of no help to me and had no permission to sell or use my coins in anyway. They took XXXX XXXX which is {$510.00} and sent it to themselves now i have a XXXX balance in my Coinbase account. I tried chatting online with the company about what happened and got no help either. I made my initial purchase for the Coin on XX/XX/XXXX so Coinbase took my money in under 10 days, i have already lost {$190.00} on the coins in that time, now i have lost {$700.00} total because Coinbase took my coin. i will most likely lose more money if the coin appreciates while this claim is ongoing. Coinbase needs to give me my funds back.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Account/vehicle paid off on/about XX/XX/2023. 
A copy of sales contract was sent to me stamped " paid in full '' and congratulations to me for the payoff, but no mention of the lien release. This was received with a date of XX/XX/2023. 
I waited patiently for the title to arrive but by mid XXXX I contacted Ally customer service XXXX for assistance. 

Since XXXX, I've contacted AllyXXXX several times requesting my title and/or lien release document to be sent to me.

Of course, each time the agent supposedly documented the request and advise the pay in full office or something to that effect, would have to respond to the request and would mail the item. After the first couple of follow-up calls from me, I was told the title and/or lien document was sent and if I didn't receive it, it was probably lost in the mail system. They would request again and resend.

The last two contacts to the Ally customer serviceXXXX office I was told that the previous request was never responded to by the in office request. As of today, XX/XX/2023, same response of " No response from in office request, but will resend request for title and/or lien release for transmit to me.
Product: Debt collection

On XXXX XXXX 2016 Rise Credit kept calling my number 6 times in one day after I have ask them to not to contact me by phone and they never left a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated 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. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXX Balance : {$500.00}
Product: Checking or savings account

On XX/XX/XXXX I received a phone call from Bank of America. They informed me that my account had been hacked and closed. They labeled me a " liability '' and said i I was going to be unable to open another account with them, and moved onto a set of questions. Asking for my social security card number over the phone, which seemed illegal to me, so I refused to give that information to the person whom called me. So I ask the who, what, when, where and why of things and ... no answers. They said they could not disclose that information over an open line and told me to come into my nearest Bank of America the next day. Long story short, all I got the next day when I got there and spoke to the bank manager was one phone number to the risk department. Called them and they said my account was not hacked so they don't know why it was closed or why the manager would lie to me about the issue. Basically, no answers from them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX XXXX credit card account ending in XXXX on my Equifax credit report. It is not mine. The account has not had any updates since XX/XX/ 2023.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I would like to report an online scam involving the scammer 's account with the Bank of the west I had posted an advertisement on my college XXXX page '' University XXXX XXXX  XXXX XXXX '' that I was looking for a room mate for my apartment and I was scammed by a person who said that they would like to send me a deposit. Instead of depositing the XXXX dollars that was agreed upon, the person would send me XXXX dollars by mistake and ask to send it back. 

When none of it is true it is a common Scam that they target XXXX students, Day 1 : The scammer by the name XXXX ( Phone number XXXX ) offers to send you money of XXXX dollars, They insisted on XXXX XXXX  XXXX as they are unable to send from Bank of the West , I give my friend 's XXXX XXXX   XXXX account number to receive the money, in this case my friend Mr XXXX XXXX XXXX account was given to receive money as I only have a XXXX bank account. 

The scammer deposits XXXX dollars instead of XXXX and calls me to ask me to send it back, now the scammer mentions that her brother Mr.XXXX has a XXXX account and I can also send it to them through the app called " XXXX '' by the email XXXX. I go ahead and send the money from my XXXX account to the scammers account through XXXX. Meanwhile my friend confirms that the money is received in his account and I send it. 

What has happened in the background is that the scammer has called XXXX XXXX XXXX and lied as if it was my friend mr XXXX and that someone is trying to deposit money into his account and to stop it. The bank sends a code to my friends account number and we think that it is a confirmation number for the bank to authorize the money to be received. 

This is where the XXXX  XXXX XXXX 's loophole made things worse. The actual money is stopped by the scammer before it gets to my friend 's account, but the bank releases a temporary credit and the money shows in his account as received. 

Day 2 : We do not suspect anything, but the scammer continues to call us saying that the money was accidentally deposited twice and requested we should send it back. 

I do send the money XXXX dollars again from my XXXX XXXX when my friend saw the increased balance in his account due to XXXX XXXX XXXX 's temporary credit deposited again. 

The scammer stops responding now and has received two XXXX dollars and we know that the scammer has the account 's phone number tied to the Bank of the West and XXXX XXXX. 

I have complained to the police : case number XXXX ( XXXX XXXX police, XXXX XXXX, Michigan ) My friend 's account now stands closed as the scammer might have access. 


I complained to my XXXX XXXX, XXXX customer care and received no support. 

Phone numbers used by the scammer : XXXX, XXXX emails : XXXX, XXXX XXXX
Product: Student loan

On XX/XX/XXXX an automatic direct debit payment of {$580.00} was withdrawn from my bank account by XXXX XXXX but that payment was never applied to my account. I have called XXXX XXXX several times about this. First they had no record of the payment they asked me to get some information from the bank about the withdrawal and call back. When I called back the first person I spoke to hung up on me but I finally got someone to listen to me but I was transferred several times to different operators. Then finally I got someone who seemed to know what he was doing but he still couldn't find my payment. He told me to upload my bank statement showing the withdrawal to my account and he would send the complaint to his supervisors. Weeks later having heard nothing I called again I was told the complaint was submitted on XX/XX/XXXX more than a week after my initial call and he told me it would be up to 15 business days before I get resolution. I called again after 15 business days had passed and no resolution and was told it would take 30 to 35 business days. It has now been over 2 months since my payment was withdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase on XX/XX/XXXXat Home Depot for a refrigerator for {$4100.00}, but included the incorrect delivery address. I called Home Depot to change it, but they said it couldn't be changed. It was suggested to cancel the order and place a new one with the correct delivery address. I wanted to used my Home Depot Credit Card to get 0 % interest for 12 months. Since the first transaction was showing pending and my credit limit was {$5000.00}, I wasn't able to make the second purchase without calling the credit card company to cancel the pending charge. I did this the same day, XX/XX/ and then made a subsequent purchase for {$410000.00} on the same dayXX/XX/XXXX with my Home Depot Credit Card. Then a few days later, the initial charge went through on my credit card and put my over my credit limit. I called the credit card company and tried to correct the situation. They suggested calling Home Depot to cancel the transaction. I called Home Depot. They said to call the Credit Card Company. I called back to the Credit Card Company to file a Dispute. I filed the dispute and have a letter to say the dispute is resolved, however I have not been credited the {$4100.00} to my account and my credit report has shown me over my credit limit and it is impacting my credit score.
Product: Checking or savings account

I opened an citi account since day 1 i started having problems. I wired transfered all my money to my other account and closed my account. I asked the representative if my wire transfer will be affected from closure they said no so i went thru closing. Out of 2 wire transfer one didnt go thru. I called at least 6 times and customer service either putting me on hold or giving me another number to call. My 13 k is lost and now my account is closed. Ill call again in the morning but i know nothing will be resolved. I regret to even come close to citi bank. I want my money
Product: Bank account or service

i use my credit card tp purchase airline travel an hotel, the agency mess up and admitted to the wrong doing, my bank gave me the money back and did n't pursue the money from the agency like they told me they would. now i am stuck with XXXX in fees.