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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Foreclosure has already taken place - eviction date was XXXX. This complaint is being submitted as the result of an article which states : Wells Fargo customers may be eligible for part of {$2.00} XXXX settlement. All efforts to save my home proved fruitless. Relative to sale date of XX/XX/XXXX of the property, Wells Fargo bought it back for {$100.00}. Prior to the sale, Wells Fargo has not been successful in providing the signature card signed by the property owner on a certified mailing supposedly sent to the property address. Federal Regulations were not adhered to prior to foreclosing, which required Document 24 CFR 203.604. The Note that I signed with XXXX XXXX XXXX XXXX dated XX/XX/XXXX, states, " This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, " Secretary '' means the Secretary of Housing and Urban Development or his or her designee. '' The servicer did not prove standing that the Note was owned by the bank. A letter from Wells Fargo dated XX/XX/XXXX stated, " If you're interested in repurchasing the property, please contact the listing agent once the property is listed for sale. '' I was made aware that my home was sold to an investor prior to XX/XX/XXXX. Additionally, Wells Fargo did not respond to these questions : In the Certification of Diligent Inquiry XXXX XXXX certifies that Wells Fargo Bank N.A. directly or through an agent, has possession of the promissory note. Proof was requested of the employment and title of XXXX XXXX XXXX as it relates to Wells Fargo Bank , N.A . This individual can not be found on the XXXX XXXX site. Requested proof of the travel of that promissory note citing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey, XXXX XXXX, XX/XX/XXXX Docket No. XXXX, unpublished. Requested explanation on why there are two endorsements of the Note to Wells Fargo.
Product: Debt collection

I C SYSTEM Has been sending me collection notice in the amount of {$300.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account number XXXX -- XXXX -- XXXX and that this collection company may have violated my HIPAA rights. In these 2 months I have not received a notice in over 30 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is in non-compliance with the FCRA. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute Request - Block and Delete Fraudulent Account Due to Identity Theft Account Name : XXXX XXXX, Account Number : XXXX, Date of Opening : XX/XX/2023, Reporting Balance : {$370.00} I am writing to formally dispute the existence of the XXXX  XXXX account with the account number XXXX, which was allegedly opened on XX/XX/2023, and is currently being reported on my credit report by Equifax. I have no knowledge of this account, nor did I authorize anyone to open this account on my behalf. I believe it to be the result of identity theft.
Product: Checking or savings account

Hi, my name is XXXX XXXX. I already did complain about Citi Bank. They close my checking and saving again, and on my last complain, they was response to me and gave me check from my checking account, but they totally forgit about my saving account, I also had money on saving account!
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX EXPERIAN.COM AND XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

I received several emails and texts from this debt collector, Credit Business Services, but was not contacted in any way beforehand by my previous landlord. After consulting legal counsel, I called them to trying to get verification of this debt. They sent me a lease and bill with pictures attached, and most charges were for a cleaning fee. While we did leave the place a mess, it wasn't {$10000.00} worth. We couldn't afford to sue and were told we had as much chance of losing as we did winning, so no further action was taken. We had to leave quickly and couldn't afford to move and pay the last month 's rent, which was about {$1000.00}. We have not paid any of the balance because we don't want to give that place anymore of our money, considering how disgusting their apartments were and still likely are..
Product: Debt collection

This week of XX/XX/2022 - XXXX/XXXX/2022, I received in the mail a second part letter to a previous mail I received a few months before. It contains a remaining charge of {$36.00} after previously having a higher charge. That former charge was done by someone who used my identity. I want to be cleared of this charge and my name erased from this account that they created. They used my XXXX XXXX  to create this transaction. The debt collection company that is dealing with this is XXXX Recovery Services. 

The reference number for the remaining charge is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/2022 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license and utility bill showing proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I was involved in an accident on XX/XX/year>. The other party ran the stop sign and I did not have time to avoid the accident. As a result, I hit the car that illegally ran the stop sign. XXXX paid the damages to their customer to fix their car. Later, XXXX made an attempt to collect the money from me. I wrote a letter denying any fault in the accident because the violator was the negligent party. XXXX forwarded the loss they incurred to the subrogation department, afni, branched in XXXX, XXXX. Currently, afni is attempting to dubiously collect the loss from me, which the loss was a result of negligence by XXXX  customer. I will be categorically denying this claim and I will address this issue with afni via a letter.
Product: Credit card or prepaid card

hi iam making a complaint with bestbuy for a tv promotion i have bought a tv with my credit card and i been making my payments but just to find out yesterday i call bestbuy credit card customer service and ask them what was my tv balance they say {$630.00} they never apply my payments to my promotion they apply my promotion payment to the balance of the card and now it say that my promotion balance is {$630.00} so i tell them to take out the balance money to puted in the promotion they say they could do it so now they tell me to make another pay and that they was going to apply on the promotion i dont even believe what they say so i see somebody with the same problem so i contact CFPB would you help please i would like to make a compalint to get all the XXXX dollar apply to my promotion or going to sue them because this is a scam from bestbuy  lets all complaint deceptive billing
Product: Money transfer, virtual currency, or money service

On this date, I received an email from PayPal to verify that the funds requested. I signed on immediately to " deny/decline '' and then it said to contact PayPal. I did. I went through the recording, and selected " unauthorized '' - I received an agent who I could barely understand. He said my PayPal account was hacked. He tried to download software as part of the process and when I asked to explain, he got upset. He wanted to my check my account to see it was charged and I was not about to check any accounts while I was online and then run a virus/security check. He kept pushing me to do it. He yelled at me. I told him I feel like he was part of a scam and hang up. I accessed from different browser and device - called - same argumentative demeaning people. So I tried their chatbot. It does appear that the charge was declined and not charged to my associated account. I then tried to close my account and they keep stonewalling me. Someone deposited {$5.00} and it says I need to claim but to do that, I need associate an account ( I deleted them ). I am not going to do that knowing my account was hacked and give hackers info to other accounts. The staff got really upset and rude. It looks like my account was not charged for the erroneous charges ( the one that was attached to my PayPal ) - I just want to close my account and they won't let me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of two erroneous child support entries on my consumer report. The discrepancies within these entries raise significant concerns regarding their accuracy and compliance with the Fair Credit Reporting Act ( FCRA ), as well as the Federal Trade Commissions ( FTC ) guidelines for consumer reporting. The following inaccuracies pertain to the accounts in question : Child Support Account XXXX Date Opened :XX/XX/2023XX/XX/year> Unpaid Balance : {$18000.00} Current Rating : Collection/Charge-off Comments : Placed for Collection This account lists a balance of {$18000.00} with collection/charge-off status but lacks any relevant payment history or evidence of prior attempts to resolve or notify me of the debt. Additionally, the absence of an accurate high balance and the arbitrary comments raise doubt about the validity of this account 's information. 

Child Support Account XXXX Date Opened XX/XX/2023XX/XX/year> Unpaid Balance : {$8600.00} Current Rating : Collection/Charge-off Comments : Account Seriously Past Due and Assigned to Attorney or Collection Agency Similar to the first account, this listing reflects an outstanding balance without corroborative history or lawful support. The alleged collection status contradicts actual payment efforts and fails to accurately represent my creditworthiness. No detailed payment record, historical balance, or application of funds is provided, further casting doubt on the account 's legitimacy. 

These inaccuracies violate the FCRA requirements, as the FCRA mandates that information on consumer reports be fair, accurate, and substantiated. The discrepancies in both accountsincluding their inflated balances, ambiguous comments, and inconsistent collection actionsdemonstrate the inaccuracies. Therefore, I am requesting the immediate removal of these child support entries from my report under FCRA Section 611 for inaccuracy and incompleteness.
Product: Checking or savings account

XX/XX/2020 deposit of {$18000.00}. I received a letter stating that I put {$1800.00}. XXXX XXXX I received a letter from Wells Fargo Bank stating what happed and the corrections of {$16000.00} was made. The full amount was made and deposited in checking account ending in XXXX. I was using checking account ending in XXXX. Each time there was a transfer it cost me {$35.00} and there were plenty. Also Wells Fargo would transfer an amount from account ending with XXXX into account ending in XXXX and would show as a withdrawal. That was a deposit into acct XXXX which would have been added money. Wells Fargo showed that as withdrawal in acct ending in XXXX meaning spent money. A subtraction. XX/XX/2020 {$1000.00} and XX/XX/2020 XXXX as deduction.. Also XX/XX/2020 {$600.00} ups money order to XXXX west XXXX XXXX unknown. There are a few others found. I am not sure of this statement because I paid othe bills
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights under : 15 USC 1681 Section 602 which states that I have the right to privacy, furthermore 15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Lastly under 15 USC 1666b a creditor may not treat a payment on a credit account on an open-ended consumer credit plan as late
Product: Payday loan, title loan, or personal loan

I've been approved for {$500.00} and never received a loan yet
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I opened the XXXX XXXX XXXX XXXX trade line in XXXX. The first delinquency was reported over XXXX years ago in XX/XX/XXXX. Per FCRA, a consumer has the right to dispute items on their credit report that are inaccurate and outdated. When I settled the balance, it was advised it would be reflected as paid and cease negative reporting. Per my settlement, I expected this account to be deleted. Since, Ive found derogatory information on my credit report that is inaccurate. I requested that the derogatory information be removed as it violates the Fair Credit Reporting Act and the credit furnishers are ignoring my requests and not providing details of how they verified the account. Also, when Ive disputed the information, it re-aged on my credit file as if its a more recent delinquency which further brings down my score. The furnisher and credit reporting bureaus are acting unethically, unlawfully and willfully engaging in wrongdoing. The FCRA laws that has been violated is : Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report bad credit information is removed after seven ( 7 ) years. FCRA Section 6:05 B, it is illegal to report information on my credit report. without my permission. According to the Fair Credit Reporting Act 15 USC 1681 section 602 it requires promptly modify or deleting the information, or block its reporting. In Section 623 ( b ) ( 1 ) ( E ) and Section 623 ( a ) ( 5 ) If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. With that all considered, this file should not be reported on my credit report. It passes the statue of limitations and violates the law. The trade-line has been deleted on one credit report, except for on the XXXX and Equifax reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Someone made a account in my name with a credit loan and now my credit score went all the way down and I contact the company it was and they told me they would fix the problem but never did
Product: Money transfer, virtual currency, or money service

My account has been disabled since XX/XX/XXXX, due to the fact that my account login was canceled, since then I have not been able to count on a XXXX  support service, my emails do not respond and I have my fonts trapped in the account. My case number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The  Bureaus i s reporting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX  County, ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor of his  Estate to the Bureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. The Bureaus failed to follow up on this information and was negligent in trying to collect the money. The refore they should not be allowed to report it as my debt.    Respectfully   XXXX   XXXX   XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On my Chase credit card, I have pre approved and amount that I can take as a loan. 
In XXXX I needed to do a big purchase, I took {$9000.00} to be paid in. XXXX times of XXXX ( which in am totally ok on paying in it ) This value of {$300.00} already contain interest fee over that XXXX. 
Every month I pay my credit card statement balance full. But I have been charged an interest loan fee! 
When you going to click next and agree theres no mention that you will have to pay apr over the value total of the loan. 
Which if I knew I would have taken from a loan company bc when I take a loan I expect to pay for the monthly payment only. 
I believe if you are offering a loan you should tell your consumer exactly how much they will pay every month. Bc theses fees are impacting my budget. 
That being said. If you are using Chase for a loan, be aware you wont pay what they tell You. Unless you have money to pay your loan full next month which again doesnt make any sense if you are getting a loan.

Chase be Clear with you bank holder! Just really let your consumer know what hes paying for. 
I wont be getting loans with you again.