23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I see that there are multiple accounts that I am not familiar with I have fully investigated my rights in this matter. Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.
Product: Credit reporting or other personal consumer reports

Ive done a 1099 A on all accounts that is reported on my Credit Report to balance the books. Equifax, XXXX, XXXX agencies have not updated my accounts, which theyre not doing their FUDICIARY DUTIES! This interference with Commerce title 18 Conspiracy. I have filed the proper documentation with the IRS that has been Approved and Accepted by them of all 1099 As which the IRS Treasury is the true bookkeeper in this matter. Along with filing the documents 3949A and 13909 ( forms for the Credit Unions ). This is defamation of character on my estate that they are trespassing. This is the CFPB ( Consumer Financial Protection Bureau ) your Fiduciary duties are to protect consumer by all means. I can send you all 1099s that have been accepted and approved by the IRS, if needed. It is the agencies duties to update these accounts immediately.
Product: Debt collection

My name is XXXX XXXX. I am an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and in NY. I received a call this morning on XXXX from someone claiming that I had an XXXX XXXX Account and that they would file a judgment against me in XXXX XXXX, as well as contact my employer. I am self-employed. 

I have never had an XXXX XXXX Account. Just in case I misremembered something, I confirmed this info with Barclays Bank that owns XXXX XXXX debt. These scammers have my first and last name and my full social security number! Please advise. 

The number that I received the call from was XXXX. I was told to dial XXXX to follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced both of my automobile loans to receive a lower interest rate. Initially, all of the credit bureaus had both accounts for both cars listed on my credit report. They ( XXXX, XXXX, and Experian ) dropped my credit score by almost ( XXXX ) XXXX points because of the transfer of the loans. It is inconceivable that the reduction was warranted and fair, as I have a caucasian friend who sold his house and his credit score didn't drop a point. The blatant disregard for Consumers is obvious or should be and warrants an investigation of the entities.
Product: Credit card

There were XXXX charges from XXXX XXXX for XXXXXXXX XXXX  XXXX on XXXX. I have documentation from merchant who received merchandise back of refund confirmation. XXXX XXXX refuses to acknowledge documentation issued by the Merchant contractual partner of theirs. As demonstrated documentation alleviates the consumer of items, resolution is being sought to refund both charges. Both Barclays US dispute case numbers XXXX & XXXX reference a singular refund posted on XXXX XXXX XXXX. This is unacceptable. Please accept my condolences however Barclays US proves to be unreachable and I have no more possibilities to dispute any charges as both were disputed and both their resolutions on separate charges from XXXX reference the same XXXX refund. The phone number provided on voicemail for callback, XXXX number is unreachable. This is unacceptable.
Product: Credit card

We paid it off in XX/XX/XXXX through another bank. They keep saying they did n't get the proof! Our bank and ourselves sent info. Received letter from them, again, saying they are going to redebit our account and consider it out standing.
Product: Credit reporting or other personal consumer reports

NCA and XXXX XXXX is falsely reporting on a debt that is being handled by a third party Credit Consildation company. XXXX XXXX
Product: Debt collection

On XX/XX/year> I noticed the accounts XXXX XXXX XXXX, XXXX Dept of ED, and XXXX XXXX were on my credit report. I did notauthorized any of these accounts to be opened. I also did not authorized these inquiries I found on my credit report TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 TRANSUNION 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
Product: Vehicle loan or lease

I paid off the loan in XX/XX/2023 and as of today I have not received a title. VW credit has told me on XXXX different phone calls that it has been " expedited '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a accountwithout my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX A, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete the late payments please immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Debt collection

XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, TROJAN PROFESSIONAL SE XXXX Date Opened XX/XX/2018 Balance : $ XXXX
Product: Debt collection

This has been on my credit report for two years. I have disputed the item over and over ; and now it just re apears as " new '' every so often. I have tried to contact the creditors inquiring as to what this is for to which I am met with different answers and an unsure avenue about how to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX FedLoan first report my student loan as being delinquent, after a few months I defaulted on the student loan and it was transferred from FedLoan to XXXX XXXX XXXX. ( The phone number for FedLoan is XXXX ) ( The phone number of XXXX XXXX XXXX is XXXX ) There at XXXX XXXX XXXX I made a series of on-time payments. The loan was taken out of a default status and was given a positive status. Any negative past reporting was supposed to have been deleted at this time. FedLoan did delete the negative reporting from my XXXX but not from my XXXX or XXXX, to this day they still show negative reporting and show my 5 FedLoans to be in a collections status. 
After making the series of successful payments with XXXX XXXX XXXX the loan was transferred to XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX phone number is XXXX ) I continued making on-time payments to XXXX XXXX XXXX XXXX and paid the loan off in full in XX/XX/XXXX. So the student loans have been fully paid off. 
For some reason FedLoan never deleted the collection status from my XXXX and XXXX. They did delete it from my XXXX report but not the XXXX or XXXX as they were supposed to have done. Once my student loans were out of default and reflected a positive status Fedloan was supposed to go back and delete any negative reporting from my credit reports with all 3 bureaus. Because FedLoan has not done this my XXXX and XXXX credit scores are far lower then they should be. This inaccurate reporting is effecting my XXXX and XXXX scores in such a way as to even prevent me from qualifying for a mortgage loan. When I call FedLoan to resolve this the customer service representatives I speak with over the phone act as if they don't know what to do or how to help me. Since the students loans were transferred after I defaulted to XXXX XXXX XXXX they act as if there is nothing they can do
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX  XXXX  XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute 2 Account Number : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Dispute 3 Account Number : Source of dispute information : XXXX  XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 

Dispute 4 Account Number : XXXX Source of dispute information : XXXX  XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 5 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 6 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 7 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute 8 Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : INQUIRIES : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

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

XXXX, Equifax and XXXX have violated my consumer right which has forced me to file a federal compliant and law suite please see accounts listed accounts on my Affidavit these accounts are now in litigation. PLEASE SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the following inquires and accounts. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Mortgage

Seterus did not apply my last month 's payment to my mortgage. It is going into a suspense account, which then generates a penalty, even though the payment is timely. They are also adding other unjustified charges. The Consumer Financial Protection Bureau allows these abuses to continue. They do not protect the consumer and should be disbanded.
Product: Credit card or prepaid card

In XX/XX/2022, my name and credit card number were stolen. The card itself wasn't stolen. The Bank of America XXXX XXXX XXXX alerted us about possible fraud on XXXX XXXX. I looked at the transactions and there were several XXXX dollars worth of charges that I had not made. 

Another part of the identity theft/scam was that the thief was sending XXXX XXXX and XXXX XXXX people to pick up packages and take them to XXXX or another mailing service and send the stolen packages to them. We encountered 4 different delivery people including 3 on XXXX XXXX and intercepted 2 or 3 packages. I filed a police report on XXXX XXXX and even called them to the house because one of the XXXX XXXX people wouldn't leave. 

I talked to Bank of America fraud department several times. They refunded some of the charges we disputed. However, others weren't considered fraud because they were delivered to our house. I was out of town at the end of XXXX when they would have been delivered. I suspect the thief was using XXXX XXXX to pick up and send packages to them similar to what we experienced in XXXX. Some of pending charges were to businesses that I have never patronized. These pending charges are from the same companies that Bank of America has canceled. I don't understand why these are different. 

I haven't heard from Bank of America since XXXX regarding the claim. Online it says the claim is active, but they haven't updated me. The credit card company has started to charge us late fees and interest on the pending charges that I disputed.
Product: Debt collection

Received a letter stating that there was a debt owed and that payment must be made or it would be sent to a 3rd party for collections.
Product: Checking or savings account

Bank Of America made me open a new account based on fraud and I opened up the new one the old one was not functional for a good 3-6 months than all of a sudden it was operating again and I was getting charged XXXX XXXX  monthly fee and it was only being used for the rolled over change I asked them to switch that feature to the new account I was forced to create and they refused to refund me for all the monthly fees. i told them that they are the ones who made me open a new one and that I requested for the feature to be transferred to the new account. Also they were charging me overdraft fees because they also forgot to transfer that feature very conveniently of them to not transfer these features. i think they did this to deceitfully charge these fees to their customers I believe this would be UDAAP violation and they still refuse to correct. Please help!
Product: Checking or savings account

In XX/XX/2023, I received an email stating that I had opened an account with Bank of America. Two accounts had been opened online fraudulently in my name. The email did not give any direction on how to notify the bank of fraud. I had to search their site to find out how to report this. That in itself is a problem. Then, I was asked to mail my personal info to them to verify who I was. I decided to go to the local branch to have them verify me. While at the branch I was told that the bank was aware that this had become a problem and that former clients were not being verified in person. My question is, if you know that there is a large data breach with a credit bureau, why would you accept a SSN and an email as proof that someone is who they claim online? I was verified after giving them multiple pieces of information. I have asked them to close these accounts because they have verified that I did not open them, I am still to this day receiving emails and account statements on accounts that are fraudulent. I feel that Bank of America is not protecting their clients and/or potential clients as they should. Now, someone knows that they have correct information for me because this bank allowed them to open an account using my information.
Product: Credit reporting or other personal consumer reports

Thursday, XX/XX/XXXX sent XXXX  letter to all XXXX XXXX  and collection agencies and asked them to verify my accounts and show me how they verified the accounts or please remove them, so the XXXX  said they would remove them but never sent me how they verified anything as I asked specifically to send me how they verified the accounts the companys were XXXX  XXXX XXXX {$470.00}, company XXXX XXXX XXXX XXXX XXXX  XXXX $ balance, company XXXX is XXXX  XXXX  XXXX balance, then on XX/XX/XXXX I sent XXXX  letters to XXXX  XXXX and asked for the same thing from the XXXX to delete my information and show me how the verified my information they said they would delete it, it still shows up in all XXXX XXXX  when they said information was deleted, then on Sunday XX/XX/XXXX I sent a XXXX  letter and asked the XXXX  and collection company Jefferson capital systems XXXX remove the account off my XXXX  or verify my information and send me how they verified it, they sent me back that it was verified and never sent me the information On how it was verified the account balance is {$1900.00} and they wont show me how they verified my information they also wont take it off my credit like I asked so all these companies who claimed they deleted the credit from all XXXX  XXXX  never deleted it off my account or showed me how they verified the accounts which I specifically asked for how to get them deleted from the XXXX  and to stop harassing me for accounts that claim they deleted. Last but not least I sent a XXXX  letter to XXXX XXXX XXXX and the XXXX  XXXX  the exact same questions to please delete or verify and show me how they verified my accounts via mail the account balance for this account is {$660.00} and they will not show me any proof of verification nor have they took everything they deleted off the XXXX XXXX XXXX which these companies stated they deleted it off the XXXX  and have not and its hurting my XXXX XXXX, please help me get this problem fixed with these collection companies and all XXXX XXXX XXXX XXXX, XXXX and XXXX including the collection companies that wont comply with what I am asking them for and they continue to not only not take anything they deleted off the record but the other companies who claim I owe them money when I dont. Thank you for helping me I hope to come to a resolution sooner rather then later thank you so much! I am attaching the files I sent to XXXX and the collection agencys just to show you i made contact with them
Product: Debt collection

I hope this letter finds you in good health. I am writing to express my deep concern regarding the persistent existence of fraudulent accounts on my credit report despite my repeated attempts to address this matter through your dispute resolution process. 
Account Information : XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I have previously reported the presence of these fraudulent accounts and have escalated the matter several times since then. However, to my dismay, these accounts continue to appear on my credit report, negatively impacting my credit score and financial well-being.

Despite providing clear and compelling evidence of the fraudulent activity, the persistent inclusion of these accounts on my credit report calls into question the effectiveness of the bureau 's dispute resolution process. 
I understand the importance of maintaining accurate and reliable credit reports and trust that you share my commitment to rectifying this matter urgently. I kindly request that you conduct a thorough investigation into these fraudulent accounts and take immediate action to remove them from my credit report.
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, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

On the XXXX I recieved a payment in Bitcoin from XXXX I immediatly recieved the payment including an email from Coinbase saying I will be able to use the funds after 6 confirms. 

I 've been waiting 1 month now to be able to use the money. 

Today EXACTLY 1 month after recieving the bitcoin payment it suddenly DISSAPEARED of my coinbase wallet ( transaction list ) So I basically got scammed by Coinbase the company.