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

I have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XXXX. I walked into XXXX XXXX with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( XXXX  and XXXX  ) Refused to re dispute stating it was frivolous but deleted from equifax. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. XXXX  won't re dispute they have not come back on Equifax or XXXX. 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from equfax, but XXXX  and XXXX  keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX , never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights as a consumer.
Product: Debt collection

XXXX XXXX Amount {$2200.00} This is my final written notice to you before filing a lawsuit against your company for violations. My first letter was sent to you back in XXXX to validate the alleged debt and permissible purposes error and fraud. 
The company did not provide me with the original contract as requested. This company is still attempting to do business with them. Submit all documents you used to create this frivolous account on my credit report. Without my consent you sent and created this debt on my credit report. 
Let me explain you have used my identifiable information without my signed agreement between me and your agency. That express mutual assent from both parties. This is the penalty you are going to face under the 18 usc 1028A aggravating identity theft United States v Kuc737 F3d 129,134. 
After this agency received my complaint, they responded back on XXXX XXXX that they would recalled and returned it to the original creditor. Cfpb case number XXXX. Although this agency stated that they would cease this alleged for which they were unable to proof, they contacted me on XXXX XXXX at XXXX central time. Violation. 

And today XXXX XXXX at XXXX XXXX  central they have contacted me again. 
Attached Screenshot call Consumer Enforcement as Administrative Counter Claim by Private Right of Action Notice to Source Receivable management, I am that I am the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives therefore for the surname/given name XXXX, consumer, and I have been appointed and accepted being the executor both public and private for all matters for proceeding, I hereby claim that I will d/b/a Consumer, XXXX, and autograph as the agent, attorney in fact, so be it. Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only. most high of creation only, whoever that may be and depose the following fact, so be it, now present : No other agency can do business with my name. 

According to the FTC YOU ARE banned from participating in the business of debt collection. You are facing some serious violations.
Product: Money transfer, virtual currency, or money service

Re Ally Bank. Matured Prior to XXXX {$52000.00} CD a/c No XXXX Phone calls were made to Ally in early XXXX my for funds to be received in a timely manner. 

Ally Bank have completely ignored my requests to send my funds. They created numerous ridiculous demands, such as, verification 's, needed to send my funds. 
Sent many repeated, ( 30 to 40 ) faxes over approx. 3 months. They used bully tactics in not sending my funds in timely manner, thus causing unnecessary and induced stress. 

Compensation request. 
Loss of interest caused by Ally time lag. Could have invested the funds in timely manner and received approx 3 % to $ 4 % on my funds. 

Many hours spent on the phone with Ally Bank. 
On hold -Cut off- more verification over and over with different bank employees. No help at all received. 
Wire transmission was agreed by Ally to be No Charge. 
Penalty charge to be returned to me for all of the inappropriate runaround that tAlly have forced upon me. 
They further forced me to create an online a/c when my money has been invested with them for years. More bully tactics, for time stalling wrongful illegitimate practices. 

Ally Bank ( this week ) wrongfully renewed my CD, after I provided Ally many, numerous instructions to wire my money, without further delay to me. Ally proceeded wrongfully against my instructions, by investing my funds for a further year, till XX/XX/XXXX. Bad, bad state of affairs., after 3 months approx. of asking for my money to be sent to me.. 
As of today I have not received my funds XXXX XXXX.
Product: Money transfer, virtual currency, or money service

In early XX/XX/year>, I discovered unauthorized XXXX transactions totaling approximately {$8100.00}. These occurred overnight from XX/XX/XXXX to XX/XX/XXXX, facilitated by individuals who manipulated and deceived me, leading to transactions made to several recipients without my consent. 

I immediately reported the unauthorized transactions to Wells Fargo and initiated a detailed fraud investigation request. Despite providing extensive documentation, including a detailed police report, communication logs, and evidence of the unauthorized nature of the transactions, Wells Fargo has continually denied my fraud claims. They stated that the transactions were authorized from a recognized device, disregarding the context of coercion and the ongoing police investigation, which even involved a subpoena from the detective handling the case. 

Simultaneously, I have been actively cooperating with law enforcement. The involvement of the District Attorney 's office underscores the seriousness of the case. The police investigation has resulted in the arrest of two out of three suspects, highlighting the criminal nature of the transactions. 

Despite these significant legal developments and my persistent efforts to provide all necessary documentation to Wells Fargo, the bank has not reconsidered their decision. This leaves the fraudulent transactions unaddressed and continues to significantly impact my financial stability. I am seeking justice and restitution for the funds taken from me under fraudulent circumstances, and the ongoing legal actions reflect the severity of the issue.
Product: Mortgage

I have an existing mortgage at Select Portfolio Servicing , Inc . I am refinancing at a much lower rate at XXXX. I live in a XXXX XXXX XXXX Co-op. XXXX has requested that SPS send my co-op stock certificate and lease so that the mortgage transfer can be completed. According to XXXX, this should take up to three weeks, at maximum. I have been waiting nine weeks with no end in sight. I have been told by lawyers that SPS delays intentionally to hold on to the mortgage interest as long as possible to get interest or to discourage the customer from following through on the refinance. I have called them over 10 times and have received no satisfaction. They do not care about the customer and clearly are trying to delay the process to their benefit. I have spoken to the head of customer service and have had no satisfactory explanation why SPS takes at least 4 times longer than industry standard practice.
Product: Checking or savings account

I need to close my checking account XXXX current balance {$0.00} XXXX and tried to do so online and over BBT 's XXXX number but couldn't get through. I called my local branch and both the customer service representative and branch manager told me I would have to either come to the branch in person ( I don't feel safe doing so ) or to send in a notarized letter XXXX which costs money ). 

If BBT can open my account with online signatures, I should be able to close my account with online signatures or over the phone at the very least.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureaus to do a verification of everything on my credit report and they said that they did a thorough investigation and everything on my report was accurate. I also did a thorough investigation for myself and found a lot of inconsistencies and inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Reporting Act the following XXXX  accounts has violated my rights XXXX XXXX - acct # XXXX is showing wrong balance and inconsistent date last active XXXX - acct # XXXX is showing open but account is charged off and should be reporting a XXXX balance i thought. 
XXXX XXXX XXXX - acct # XXXX is also reporting inaccurate date last active XXXX XXXX XXXX  XXXX  - acct # XXXX is also reporting inaccurate date last active XXXX XXXX XXXX XXXX acct # XXXX is also reporting inaccurate date last active XXXX XXXX XXXX  XXXX acct XXXX XXXX is also reporting inaccurate date last active XXXX XXXX - acct # XXXX is also reporting inaccurate date last active Child Support Enforc -acct # XXXX is reporting open and closed on my report and also is reporting inaccurate date last active. {$2000.00} Child Support Enforc- acct # XXXX is reporting inaccurate date last active {$500.00} XXXX- acct # XXXX is reporting innacurate date last active. 
Dept Of EdXXXX XXXX is reporting innacurate date last active. and is reporting as duplicate accounts 15 U.S.C 1681 section 602 A States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Discover card has been calling my parents house ( three times a week ) for that past three weeks. I havent lived there in 25 years.
Product: Money transfer, virtual currency, or money service

I had a merchant account with Elavon Inc, my account was closed unexpectedly and without warning, leaving my company unable to pay for services and my employee 's salaries. There was no warning or evident reason for Elavon to freeze and then close my account. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, was very unattentive to my needs and rather cold, I didn't even receive a phone call from her explaining why my account was locked and subsequently closed, even though she said she would call me about the resolution. Elavon has failed to provide a resolution and they seem to not care to resolve this issue with me. Also, Elavon withdrew prior deposits from my bank account leaving me in a serious debt, when my customers have paid and received their services, but my payment ended being stolen by Elavon. They say they will hold my monies for 120 days in an impersonal template email I received from their automated system, There is no reason to hold my funds and I want them NOW!

Elavon , Inc has stolen {$5200.00} from me and I want it back immediately, there is no lawful reason for them to have withdrawn money from my bank account and to withhold my {$5200.00}. They can not provide a reason for them keeping my money, my customers paid for their services and received them and I'm the one that doesn't get paid, plus my employees have to go without their pay?! This is unnaceptable!
Product: Credit card or prepaid card

Hello, On XXXX/XXXX/XXXX I was utilizing Citi Cards website, signed into my personal credit card section. They advertised an opportunity to sign up for a promotional APR for their Citi Dividend Mastercard, with the following terms noted - Must sign up no later than XXXX/XXXX/XXXX XXXX XXXX XXXX APR for new purchases, excluding a few items like balance transfers and fees XXXX XXXX XXXX APR good through XXXX/XXXX/XXXX I clicked accept on the offer and my account page reflected the same. 

I re-reviewed the offer as i do n't tend to carry unpaid Credit Card balances, so ensuring the promo specifics was a high priority for me. Everything was as I understood, and I logged off for the evening.I generally wait until the next business day before utilizing any offers like that to ensure there are no timing issues ( i.e. it goes into effect next business day ). 

After planning some purchases with my wife later that night, i logged on this morning XXXX/XXXX/XXXX to validate once again the terms set forth by Citi prior to making my purchase. However upon visiting the my offers section the offer now said it was valid only for purchases made THROUGH XXXX/XXXX/XXXX, which is 100 % not what it said previously. 

I assumed it was a display error, so called Citi to validate prior to making my purchase. They advised they only saw the offer showing for purchases made through XXXX/XXXX/XXXX. I explained the situation and the rep had her manager reviewer, but they both said they saw the same thing. 

This is extremely upsetting as Citi has essentially lied to me in an effort to encourage me to make large purchases, knowing i 'd be subject to a high APR on those purchases. I do n't understand how this can happen with such a large financial services company. 

I asked the representative to escalate further with a few validation questions. 
Why would i be able to accept an offer that expired that same night - do all of their offers allow you to accept them until the date they expire? Why was it still showing on my available offers today ( XXXX ) if it had expired? 

I 've never complained about a credit card before, but being lied to is beyond what i can accept especially from a financial company.
Product: Credit reporting or other personal consumer reports

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. 

Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP THIS ACCOUNT WAS ONCE REMOVED BEFORE AND NOW APPEARS UNDER A NEW COMPANY NAME BUT FROM SAME COMPANY THIS IS A CFPB XXXX AND THEY SHOULD BE FORCED TO PAY {$100.00} FINE PER MONTH THIS ACCOUNT HAS BEEN REPORTED SINCE IT WAS SUPPOSED TO BE REMOVED.
Product: Debt collection

After checking my credit report on XX/XX/XXXXI noticed that there was an open collection with XXXX XXXX  reporting that was opened XX/XX/XXXX. I've never had any communication with this company and there was never any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act for withholding notices. I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under the FCRA occur when a creditor fails to notify you when it supplies negative credit information to a Credit Reporting Agency. A creditor fails to notify you of your right to dispute inaccurate credit information. They've also are in violation due to prohibition of trying to collect on a debt that has resulted from identity theft. I would like to file a complaint to have this reporting deleted from my credit report and I would like to have this company blocked from future reporting of this account. This company has performed unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Discover make a hard inquiry for finance Institution Information Discover XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Debt collection

Portfolio Recovery has been reporting on my credit files for nearly 7 years now. My husband died XX/XX/2011 which is why I was unable to continue paying for it. My income was reduced because his income stopped after he died.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted trans union on multiple occasions and submitted disputes about the reporting of a car loan that was included on a XXXX XXXX bankruptcy. Yet it still shows active on my account and is now effecting my ability to purchase a house. I have sent letters and called but their only response was it wasnt included in your bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Capital one owes me points accumulated on a credit card which were going to be used in order to pay the credit cards balance. Instead the company closed the account suddenly without warning and sent the account into collections.
Product: Debt collection

I have new and updated information regarding Complaint Number XXXX : Hayt , Hayt & Landau , P.L . has provided false, deceptive, and misleading information in its previous response. It is a fact as seen in the attached documents that Hayt , Hayt & Landau , P.L . has identified themselves as a debt collector and its communication is in reference to collecting an alleged debt. Hayt, Hayt & Landau, P.L., a third-party debt collectors involvement in this matter is misleading as its participating as both a debt collector and as an attorney. Congress has deemed such behavior unlawful. I request Hayt , Hayt & Landau , P.L . to disclose under the Freedom of Information Act to disclose how it and its attorneys are participating as both debt collector and attorneys.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent account from my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score has been drastically lowered by XXXX and trans union even though there is no derogatory info on credit report and last hard inquiry was from XX/XX/2022 by a company I dont know of and to my knowledge did not authorize to run my credit.
Product: Debt collection

I forgot to return a XXXX internet equipment when I was renting an apartment three years ago and thus owed XXXX a couple hundreds. Instead of trying to contact me, XXXX just went ahead asked a company called Diversified Consultants Inc to collect the money. This collections agency called me last year but the agent is extremely unprofessional and acted exactly like frausters trying to blackmail me money. They did not explain why I owed money ( I had no clue that time ), and did not even trying to communicate with me, stopped me when I tried to ask questions and never listened. They just tried to intimidate and scare me to pay them the money thru phone. When I searched this company online, everyone said this company is a scam ( if you XXXX it you will know ). So I took them as a scam because they acted so and everyone said so!

Months later, I saw this collection account on my bureau report then I realized this company is actually a collection agency. I paid the money off immediately with XXXX and tried to contact the agency see if they can help me remove the collection accounts because they did not communicate well. But again, they acted like a scam and extremely rude. They said they can't even tell me whether they are collecting money for XXXX  until they confirmed my account. It is so ridiculous.

I think I should be properly contacted by a legitimate company that can tell me why I owe the money when I actually owed the money. But it is not the case. Right now I wish this company to disappear to make the world a better place, and at the same time I hope they could work with the bureau to remove the collection accounts from my bureau report so I can have a credit score that actually reflect my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below has incorrect balance. 

1. XXXX XXXX XXXX Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about an account that was reporting the wrong open collection date. 

This account is with XXXX XXXX, XXXX XXXX. They initially reported my account to XXXX XXXX agency in XXXX after 4 years of reporting, it was then given to Meridian in XXXX. 

Meridian now reports the first open date of this collection account as XXXX. This is not the initial collection date of the account from XXXX XXXX, XXXX XXXX  that was reported to XXXX originally XXXX. 

I called XXXX XX/XX/XXXX to verify the information and that it is correct and that Meridian received the account in XXXX. However, they did not carry forward the initial collection year date from XXXX XXXX, XXXX XXXX as XXXX, but reported it as XXXX which starts a new 7 year period of reporting. This account has already been reported for 4 years ( XXXX ) already with a credit reporting agency XXXX. 

I contacted Meridian and asked them to provide me with the first date this account was open and they continue to state that it was XXXX. I asked for specific information about the property and I could not get anything. 

I contacted XXXX and filed 3 disputes ( XX/XX/XXXX and XX/XX/XXXX ) to get this resolved. XXXX said that the information will remain the same each investigation took a matter of 24-48 hours. I do not know how the investigation was conducted. 

As part of my dispute, I provided XXXX with the credit report from XXXX that shows that this business initially reported this account to XXXX in XXXX, but the initial collection date of this account remains at XXXX.