23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I filed a claim. Claim number is XXXX. 

It was for XXXX fraudulent transactions on debit card ending in XXXX. I was issued a temporary credit of {$160.00}. 
On XX/XX/year> Wells Fargo reversed the temporary credit claiming they received proof the transactions were not fraudulent. I called Wells Fargo asking what proof. They told me several stories and I spoke with XXXX escalated managers. The first transaction was for {$72.00} for a liquor store called XXXX claiming I purchased Gasoline. I have never been to this store and this store in fact does NOT even have gasoline there. No gas pumps no gas period. They showed no proof other than a card was inserted and no pin used. I was issued a new card immediately upon the initial call on XX/XX/year> when I called to report fraud. 
The second transaction was for {$90.00} from XXXX through their vendor XXXX XXXX. Wells Fargo told me the reason this temporary credit was reversed was because XXXX XXXX sent picture of items delivered to my home. The picture is of items on a doorstep with no address located in picture and is not my home. Furthermore, I have snapshots of chat I had with XXXX today, XX/XX/year> where as XXXX shows me that they in fact agreed that refund should be issued and actually was issued, but in wrong amount. XXXX said they only refunded {$2.00} and agree items were never delivered or ordered from me. Unfortunately they can't issue refund any longer as it from 30 days plus ago, but that my bank should have refunded it and they never disputed it. Which is why picture that was supposedly sent to Wells Fargo from them was not my home, as they never sent them a picture! Wells Fargo basically refused to listen to reason and said Good Luck trying to get the money back and that filing a complaint here with you will only cause in retaliation and possibly closure of my XXXX plus year old bank account! I will include pictures of all this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The follow ing accounts are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXXXXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 3 collection accounts for dispute with Equifax at the end of XXXX. Their determination was timely, but incomplete and incorrect. I submitted the exact same disputes to XXXX  and they removed the collections from my report. Equifax removed one, and said that the other 2 are valid, when they are not.
Product: Mortgage

Back onXX/XX/XXXX after a escrow analysis that would have raised my mortgage payment, my husband who is sole borrower requested if lender Mr. Cooper formally Nationstar would get rid of cushion in order to keep payment same. They agreed and refunded us approx {$1400.00} dollars in which we returned half back in escrow account. After paying XXXX payment I got XXXX statement which said their was {$1600.00} in escrow. Since I knew I would be paying XXXX payment on the XXXX we called and they told us they pay town on the XXXX of quarter due. So onXX/XX/XXXXI planned to call and make up difference in escrow to cover a tax payment Due XXXX I was shocked to find out they had made payment without telling me on XX/XX/XXXX and I have no statement as of today stated that payment. My current statement which was issued on XX/XX/XXXXindicated nothing of this transaction. My escrow account became {$730.00} negative so I made an over the phone payment to escrow today to bring us to positive balance. I will be able to provide documents when I get access to scanner. 

My husband went back thru old statements and discovered they had down this in past paid 2 weeks early and there were months they paid on XXXX ( town gives grace period till the XXXX ) which is what we were told via customer service when we lost cushion so I could keep track and know when I had to have the escrow covered for property taxes. 

In summary all my closing papers indicate is that they must escrow and pay taxes. This is very frustrating because I need three months worth of escrow payments to make these quarterly tax payments and I was not given chance when they paid XXXX quarter early. How early are they allowed and they did this with no indication on statement I do not call them every month for additional dismemberment info, I was going by latest statement which was not even correct. My husband requested taxes be taken out so that is pending. I just want to know if they had the right to do this. I also believe that the constant increases were partially due to them paying taxes early before I had the chance to give them my payment by the first. The past tax increase would have only been a XXXX $ increase that is why we asked for cushion to be removed. We FHA streamlined 4 years ago to bring payment down that is why the cushion was removed, we have never been late since start.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Bank account or service

Synchrony Bank the issurer of my Amazon Store Card has demonstrated unfair practices concerning my account. Example : credits and adjustments my be reflected in my account but latter placed back onto my account as a charge. My XX/XX/XXXX statement is a fine example where 1. credits and adjustments were made purchases as well. 2. At closing I had {$130.00} available and a balance of {$1600.00}. 3. Interest charge is {$38.00}. My new balance is {$1600.00}. At this time my credit limit is {$1800.00}. 4. At closing, my credit limit is reduced to {$1700.00} and my available credits is XXXX. No addition information was supplied until after my statement arrived ten days latter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$750.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On, XXXX I was contacted XXXX regarding a charged-off debt they continue to claim is owed. However, they have refused to provide sufficient documentation to validate the debt. 

I specifically requested : A copy of the original signed agreement proving the debt is mine. They refused to provide this. 
A 1099-C form if the debt was canceled or written off, as required by IRS regulations XXXX They refused to provide this as well. 
Clarification on the debts statuswhether it is still owed, forgiven, or sold to a third party. 
Despite my requests, XXXX continues to report this charged-off debt, affecting my credit. Their refusal to provide proof of the debt and necessary documentation raises concerns about inaccurate credit reporting and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to intervene and require XXXX to : Provide a signature page proving I authorized this debt. 
Clarify whether they still own the debt or if it has been sold. 
Issue a 1099-C if the debt was written off and meets IRS criteria XXXX 
Correct or remove any inaccurate credit reporting. 
XXXXs lack of transparency and refusal to provide verification is causing financial harm. I request an investigation into their practices and appropriate corrective action.
Product: Credit reporting

Equifax claims they can not send my my credit report and I need to go away
Product: Credit card or prepaid card

I was traveling and I was charged for service I didnt use, i tried contacting my bank and provided with all the proofs but they didnt resolve it although it was fraudulent activity. Because merchant misguided and mis communicated. 
This credit card institute did the same thing with me twice in three years although enough proofs were provided, they are not cooperative at all. 
I am complaining about them now that my friend has the same issue with this credit card institution. 
Please take action
Product: Credit reporting or other personal consumer reports

I submitting this request to inform that I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XX/XX/XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, AZ XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$18000.00} XXXXXX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$11000.00} XX/XX/XXXX( Original Creditor : XXXX XXXXXX/XX/XXXXXXXX Balance : {$980.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX) XXXX Balance XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXX/XX/XXXXXXXX Balance XXXX {$0.00} XX/XX/XXXX ( Original Creditor :XX/XX/XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX Balance : {$540.00}XX/XX/XXXXXX/XX/XXXX
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. 

Account Name : XXXXXXXX XXXX  Account Number : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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: Checking or savings account

Approximately 14 days ago I opened an email from Experian offering 7 days of free service on my credit. I don't need the service, I already pay for the service with XXXX XXXX. I didn't sign up for the service or agree to any terms. On XX/XX/2020 Experian charged my XXXX XXXX bank account {$23.00}. I called Experian and aftegoing through various menu 's and wait times, I got a customer service representative, who said that I was charged the money because I didn't cancel the account. I explained that I had no account information, no agreement that was presented to me or my signature on an established account. The Rep. stated that I had set up the account and if I read the " small '' print it clearly stated that I must pay without a refund service if I didn't cancel. Experian does not have in their possession a signed agreement from me, nor did they provide with an agreement or any any account numbers or explanation of services. They simply used the opening of an e-mail to assume an account and they accessed my bank account- without my permission.
Product: Credit reporting or other personal consumer reports

None of these places have I applied to. I have an alert on my credit profile to contact me when credit is pulled and I have not gotten any call to authorize. Someone is applying under my 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter XXXX. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX, XXXX XXXX Unverified Account XXXX XXXX, XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX-XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Each oof the inquiries above where done without my permission or knowledge and have ask them to please fix them by removing the inquiries. 
* My name is incorrect showing XXXX XXXX on my file Each of the below are incorrect addresses on my file * XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several loans that I consolidated from Navient to XXXX. There is one loan remaining with Navient that has not been moved that is causing my credit score to continue to drop. Loan #  XXXX. This loan is being recorded as joint. IN XX/XX/1999, my ex spouse and I were trying to consolidate his XXXX loan and my loan with XXXX. We were told that we could not consolidate the loan because his loan was in default. However, my loan was placed into his name. For nearly 20 years we have disputed this and have gotten NO results. They have constantly reported negatively on my credit report and his. Just recently, I spoke to XXXX at Navient XX/XX/XXXX. She said she was going to look into this as a top priority, but our credit scores has since drop down 74 point. I need help in getting this loan out of my ex husbands name ( XXXX XXXX ) so I can consolidate with my other loans with XXXX. This has hindered my as well as his ability to obtain credit. We need help ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report indicates I have opened a credit report with ELAN Financial Services on XXXX XXXX, 2017. I have contacted the company, both by phone and by mail and informed them that I have NOT initiated opening of an account with ELAN Financial Services, not authorized anyone else to do so. And I have filed a dispute with the Credit Reporting Company ( XXXX ). The response from ELAN was " we have determined the account information submitted by XXXX XXXX to the consumer reporting agencies is accurate ''. Further attempts to contact ELAN have not been fruitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email saying XXXX company check my credit for mortgage in zip code XXXX. I don't live in the area it's not me. I didn't apply for any mortgage. Please stop this.
Product: Credit card or prepaid card

On XXXX XXXX, I thought about getting my first car so I decided to check on my credit report. I seen that there is an open credit card on my file that I have no idea of, I tried to file a dispute with the XXXX credit beraus and they declined it because said that it was accurate information. I really need help with this I dont know who what or how someone did this in my name but it has to stop.