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

Per request from XXXX XXXX XXXX XXXX - and without issue and interference - credit bureaus other than TransUnion updated my credit report so that the XXXX inquiries dated XX/XX/2022 and XX/XX/2022 are not reflected as hard inquiries. 


When I have contacted TransUnion, I have been repeatedly told that there isnt record of requests from XXXX XXXX XXXX Department. ( This does not explain the XXXX inquiry to the XXXX Department at XXXX in XXXX ). 


TransUnion has also sent me down rabbit holes with instructions to mail written authorizations for XXXX to comply with XXXX requests to update my credit report and to mail copy of confirmation letters that XXXX sent me of these requests. After doing so I called the Escalation Department for XXXX XXXX XXXX XXXX XXXX times XX/XX/2022 : The first phone call verified that the requested copies and authorization were received. 

The second phone call was a three-way call with the case manager at the XXXX XXXX XXXX XXXX When the Customer Dispute Center transferred the call to the XXXX XXXX, communication with the case manager was refused. 


The third time I called, the person I spoke with was reprimanding that hard inquiries can not be changed to soft inquiries, that TransUnion can not contact banks, and XXXX has to contact TransUnion. Which XXXX has done. 


She also instructed that I send a XXXX letter of authorization for TransUnion to discuss my file with XXXX. This is in addition to the prior letter of authorization that without splitting hairs authorizes discussion. 


The XXXX XXXX XXXX case manager has advised me that he has never encountered anything like this, that XXXX 's requests to TransUnion were electronically communicated as is normally done without issue and interference ; and furthermore, it is untrue that TransUnion can not amend hard inquiries to soft inquiries, and untrue that TransUnion can not contact XXXX. 


As a formality, the 2nd letter of authorization that TransUnion has asked of me is forthcoming. There is no assurance that the request is sincere. There was no point to the prior authorization and copies of documents that TransUnion requested and subsequently argued were without merit.
Product: Money transfer, virtual currency, or money service

I transferred by Coin Base holdings into my personal XXXX account and I have never been credited by Coin Base. I have sent several emails but with no response or solution to my transaction. There is no customer service number that is operative in order to speak to a live representative in regards to my transaction. The transactions on XX/XX/2020 where : 1. {$220.00} 2. {$160.00} 3. {$350.00} 4. {$46.00} I sent all of these transactions to my email : XXXX and was never credited. I am attaching the report with the " send '' transactions highlighted in yellow.
Product: Debt collection

I am writing to request the intervention and assistance in a matter concerning LVNV Funding LLC and Resurgent Capital Services, both of whom have been reporting an alleged debt on my credit report, account number # XXXX, which I assert does not belong to me. I have taken all reasonable steps to resolve this matter directly with the aforementioned creditors, but have encountered unresponsiveness and non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending them an initial written dispute letter, in accordance with the FCRA, formally inquiring about a debt of {$1600.00} that they have been reporting on my credit report. I unequivocally stated in my letter that I have no knowledge or record of opening any account with their organization, nor do I have any reason to believe that the aforementioned debt is legitimate or attributable to me.

In response to my dispute, LVNV Funding LLC redirected me to Resurgent Capital Services, stating that the alleged debt is being managed by the latter, and Resurgent responded with a hurried letter for payment, without proof of debt ownership. 

In accordance with the FCRA, I promptly sent a follow-up letter to Resurgent Capital Services , and LVNV Funding LLC seeking validation of this debt and demanding that they provide clear and convincing evidence that I am responsible for the alleged obligation. However, as of the date of this correspondence, I have not received any response or communication from either LVNV Funding LLC or Resurgent Capital Services. Their lack of response not only contravenes my rights as a consumer under federal law but also undermines the integrity of the credit reporting system.

Both LVNV Funding LLC and Resurgent Capital Services continue to report the same account number # XXXX on my credit profile, without providing me with any verifiable proof that this debt is indeed mine. 

I believe that my rights under the FCRA and FDCPA have been violated, as I have diligently followed the prescribed procedures for disputing and validating a debt, yet have encountered a flagrant disregard for these legal requirements by both LVNV Funding LLC and Resurgent Capital Services.
Product: Credit reporting or other personal consumer reports

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. you are in violation and this needs be addressed immediately. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as Equifax conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Equifax, XXXX, or any furnisher of information to credit agencies to share my personal information. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and Equifax and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card

On XX/XX/24 I booked and paid for a hotel reservation through a supposed hotel-booking website called " XXXX ''. Once I arrived at the hotel ( a XXXX XXXX location ) to check-in, I was told they had found my reservation but no payment had been made. I was then made to pay for the entire reservation again, and I have attached a receipt showing this entire separate payment directly to the hotel. 

At this point, I realized I had been defrauded by the " merchant '' in question, and explained this to the Apple Card Support team. They opened a dispute on XX/XX/24. I followed up with the Apple Card Support team every few weeks after this date, because this seemed like an obvious case of merchant fraud and I was confused why it had yet to be resolved. Ultimately, on XX/XX/24, I received an email stating that the 'dispute had been resolved in the merchant 's favor '. It seems the standard Apple Card Support team is ill-equipped to deal with this obvious case of merchant fraud, and as a loyal Apple customer I am disappointed that this is the case. I would like this to be resolved immediately, and for the Apple Card Executive team to share what steps they will take in the future to prevent having to escalate such a simple case through the CFPB.
Product: Checking or savings account

I sold my motorcycle to someone I met through XXXX XXXX on XX/XX/2021. The buyer came from out of town and gave me what he claimed was a cashier 's check, the amount was {$12000.00}. The check says it is from XXXX  XXXX XXXX. I deposited that check the next day on XX/XX/2021 into my checking account at First Merchants Bank. 
I was contacted by a manager at the bank the following Monday, XX/XX/2021, to inform me that the check had bounced due to insufficient funds. My bank said they would try to run it again and they would let me know. I followed up with the bank on Friday, XX/XX/2021, and I was informed that the check had not bounced the second time and that the " higher ups '' had requested the physical check so that they could look into it. I was told that this was a good sign, and that we should know something in a week. I stopped back in on XX/XX/2021. The manager had not heard anything, which he said was also a good sign. So, while I was there, he called the " higher up '' who had requested the check, who told him that everything should be fine ; she said most of these things are figured out within a week. I was told that there should not be a problem. So, I waited a little longer to be sure. 
I returned to the bank on Tuesday, XX/XX/2021, and I was told by a different manager that the check had cleared and that they had collected on it. I asked very explicitly, " Does this mean it is now okay to spend that money? '' I was told yes. So, I used that money for a down payment on a new truck. 
Much to my surprise, I was buying dinner a month later on XX/XX/2021, and my debit card was declined. I checked my checking account, and it was plunged deep into the negative. My account had been charged {$12000.00}. The charge was for a check with an incorrect routing number. The same check that I had been told was cleared and collected on. 
I went to my bank the next day, XX/XX/2021, assuming it was a mistake. I was told that it was not a mistake and that there was nothing that they could do about it. I was told that there was no safety net or protection for this sort of thing. I was told to contact the police, and that there was nothing else that they as the bank could do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached correspondence mailed to Experian. Experian followed with an email ( also attached ) stating that it appeared the dispute didn't come from me. This is a ridiculous response and evidence that Experian is using automation to avoid actual investigations. I provided a driver license, social security card, and a bank statement as identity verification.
Product: Debt collection

Midwest Recovery Systems is reporting to my credit reports that I owe {$370.00} for a XXXX XXXX XXXX XXXX membership I never had as of XXXX XXXX, XXXX. This debt is not mine and I want them to remove their reporting from all of my credit reports. I have sent them two letters in the past 30 days ( the first letter was sent on XXXX XXXX, XXXX ) and they have not responded. I have also filed a complaint with the Better Business Bureau against them.
Product: Checking or savings account

Regarding the check XXXX XXXX  XXXX for $ XXXX is details of the fraud. 

XX/XX/XXXX XXXX negotiated a check deducted from my account XX/XX/XXXX check deposited into XXXX account XX/XX/XXXX XXXX XXXX Citizens bank called to advise someone was trying to cash the check and had deposited it in their account via ATM. She had stopped the check from being cashed. 
XX/XX/XXXX Stopped into XXXX XXXX XXXXXXXX XXXX. advised the situation and was told since the check was negotiated once it can not be presented again.. 
XX/XX/XXXX XXXX XXXX appeared on my XXXX account. I was advised by XXXX XXXX XXXX branch  that XXXX  had sent the memo to them XX/XX/XXXX Police Report filed advising the check was stolen from my car.And the person tried to get it cashed. Police report # XXXX XX/XX/XXXX Reached out to XXXX  fraud dept, spoke to XXXX XXXX, he advised he only handles {$5000.00} min. He advised me to close all my accounts with XXXX  and reopen new ones. Which I did. 
XX/XX/XXXX Affidavit signed with XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Reached out to XXXXXXXX XXXX Fraud dept - we spoke many times to figure out what had happened. I believe the check since it was a mobile deposit on my end and was made out to cash it was stolen from my car. XXXX filed a fraud with Citizen Bank on XX/XX/XXXX - Advising them the check can not be cashed and it has fraud marked on it. Citizens holds the fraud for 90 days and the issued should be solved by XX/XX/XXXX, which is when I should have my {$3000.00} XX/XX/XXXX Speaking to XXXX XXXX XXXX Citizens she advised the person who stole the check and committed fraud had closed the account and Citizens sent him a check for {$3000.00}. Everyone is questioning how this happened knowing the history of this case. Citizens put a stop payment on their end on this check. 
The check has not been cashed the person who stole the check is in XXXX  My XXXX Has been with Citizen Bank over 90 days I do not have an account with Citizens only XXXX XXXX has reached out to Citizen fraud dept or XXXX XXXX XXXX Citizen to find out the status. I do not have an account with Citizens only with XXXX  which leaves me in a difficult situation In short I would like to have my money back into my new XXXX  account. 
Please advise if you can help me or who I should speak to. 
Much appreciated. 
XXXX XXXX
Product: Mortgage

on XX/XX/17 my wife XXXX XXXX filed for Chapter XXXX Bankruptcy case number XXXX. The house was listed on the schedules as she is on title and has to list any properties she owns. She and myself are on title. She is not on the mortgage. My loan is with Chase. Loan number XXXX. Chase has now stopped reporting my account to the 3 credit bureaus as they state I am in bankruptcy. This is affecting me because I can not reaffirm the debt as I am not the one who filed for bankruptcy. My wife can not reaffirm the debt because she is not on the mortgage loan. I called Chase to inquire about this and they said my wife needs to sign a reaffirmation agreement. I explained to them she is not responsible for the debt she is only on title. The reaffirmation is only for the person on the debt that filed bankruptcy. I can not reaffirm the debt either because I have not filed bankruptcy. My wife has asked her XXXX XXXX   and she has advised her that Chase should be reporting the account as current because it is not her debt and I have not filed for bankruptcy.
Product: Debt collection

My XXXX XXXX account was in good standing for years. Recently the bank added a few miscellaneous charges that totaled {$360.00}. I communicated with the bank informing them that this is not my debt. The bank said they made a mistake by paying me an extra {$360.00}. Therefore they want me to pay this amount. I do not owe the bank any funds. And even if I did, the bank made the mistake by paying me {$360.00} so that not my mistake. I have bank statements showing my account is in good standings and ever miscellaneous charge is incorrect. I am not responsible for the debt. Please tell the debt collector to dismiss this case and reinstate my lost credit scores.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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

Mercedes Benz has reported several accounts being over 30 days late from XXXX to XX/XX/2022. This is inaccurate. They are reporting being 30 days late even though agreements were in place for deferments and/or the account was paid before 30 days. 

Also, I also made Mercedes Benz aware of the repeated phones calls daily from XXXX until XXXX when the account is 2 days late. The calls continue until you have made payment. Continuous calling even though I have spoken with someone and they have noted the account. The calls continue. I informed Mercedes that this is harrassment with the repeated calls daily all throughout the day. This is also a problem when I am working with my employer when the phone keeps buzzing all day. Emergency calls can't get through to me because Mercedes have calls on automatic until you make a payment, no matter if you spoke with a representative.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. 
The company has acknowledged this error and aware about my disability due to work injury and has committed to updating the status and do not report anything late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and the tracking these transactions was unfeasible.The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, Credit Karma listed all accounts closed, and Consumer Deceased remarks on my XXXX reports. I am very much alive, and wish to know that was complete and accurate information sent to Credit Karma directly from XXXX.
Product: Credit card

Purchased wrong items at Macys online using a Macy 's Gift Card. Items wrong sizes. Customer service tells me to place new order for exchange using my Macy 's credit card account and they will then credit this account for exchange. 
Macy 's incorrectly ships XXXX replacement orders when they receive the returned items. 
After 45 Days of waiting and contacting Macy 's numerous times, Macy 's has still been unable to correct charges on my credit card account, and Macy 's has charged a late fee as well for not paying my credit card account on time for the incorrect charges to the account. 
Macy 's has been unable to track my accounts and purchases. All the items have been returned, and there still has not been a full credit to my Macy 's credit card account or the Gift card. Macy 's representatives were unable to identify any problems and dismissed my complaints as well. 
No confidence with Macy 's credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX